3D tour
$345,000
900 Bay Drive #319, Miami Beach 33141
Est. $3,858/mo with 20% down incl. HOA
Listing courtesy of Florida Capital Realty · BeachesMLS
$279,000401 69th Street #407, Miami Beach, FL 33141
Listing courtesy of Dezer Platinum Realty LLC · 305-932-1000 · BeachesMLS
Full disclosure: what this home really costs
11 of 12 answered from real sources. Anything not in the listing says so, and one tap asks Zach. Nothing here is guessed. Source: BeachesMLS listing, updated Oct 18, 2026, unless a row says otherwise.
- Price
- $279,000 · $299/sqft
- Property taxes
- $4,328/yr (2025 bill). A new owner's bill is reset from the sale price and is usually higher; Zach can pull the county estimate.
- HOA / condo fee
- $1,260/moFrom the listing, unconfirmed
- Fee covers
- Sewer, Trash, Water, Common Areas, HVAC Maintenance
- Special assessments
- Yes – amount not listed, ask Zach
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $2,801/yr (HO-6 condo policy, county average). Get a real quote before you offer.Florida OIR county average with wind, data as of Mar 31 2026
- Flood zone
- Not listed - ask Zach
- Monthly payment (estimate)
- $3,309/mo: $1,374 loan + $442 tax + $233 insurance + $1,260 HOA. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 1970 · 17 stories
- Days on market
- About 47 days
- Price history (this listing)
- Originally listed at $295,000; last price change Oct 18, 2026; listed Sep 11, 2026. Down $16,000.
Details
- TypeCondo
- Beds1 bd
- Baths1
- Size934 sqft
- Year built1970
- Parking1 garage
- PoolCommunity
- ViewSkyline
- Neighborhood401 BLU OF NORTH BEACH CO
- ZIP33141
- MLS #A12087110
- To the beachAbout 0.2 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to this spacious and bright 1bed, 1bath residence in the heart of Miami Beach. This inviting unit features abundant natural light, a spacious balcony, ample closet space, impact windows, a well-appointed kitchen with stainless steel appliances, and laminate and ceramic flooring. Enjoy lower monthly electric costs with the air conditioning electricity included in the HOA.Located just two blocks from the ocean, this residence offers the best of the Miami Beach lifestyle, with easy access to the beach, shopping, dining, cafés, and everyday conveniences. Building amenities include a rooftop pool, fitness center, 24-hour front desk and security, and parking. Conveniently located near Publix, Starbucks, restaurants, shops, and public transportation, with easy access to South Beach, Bal Harbour, and Downtown Miami. A great opportunity for both homeowners and investors. Easy to show!
Monthly payment calculator
Estimate, not a loan offer. Tax default: the higher of the seller's bill and about 1.9% of price (Florida resets a new owner's assessment). Insurance default: Florida OIR county average with wind, data as of Mar 31 2026. Rate is an assumption; your lender sets the real one. Zach doesn't take lender or title referral fees.
Florida risk facts
- Flood zone
- Not checked yet. Look it up on FEMA's map or ask Zach.
- Wind and building code
- Built in 1970, before the statewide Florida Building Code took effect in 2002. Ask for the wind mitigation report; it can lower insurance. My Safe Florida Home offers free inspections and grants when funded.
- Disclosure
- Florida sellers must give you a flood disclosure about known flood damage, insurance claims and federal assistance (§689.302).
We don't show crime scores or rate neighborhoods. Every listing is open to everyone.
Condo health facts
- Building
- Not listed - ask Zach
- Year built
- 1970 (56 years old)
- Stories
- 17
- HOA / condo fee
- $1,260/mo (from the listing, unconfirmed)
- Fee covers
- Sewer, Trash, Water, Common Areas, HVAC Maintenance
- Pets
- Yes
- Milestone inspection
- This building is 56 years old. Florida requires a milestone structural inspection for condo buildings 3+ stories by Dec 31 of the year they turn 30 (local officials can require it at 25), then every 10 years. Ask Zach for the report.
- Reserve study (SIRS)
- Condo buildings 3+ stories must have a structural integrity reserve study. Look up the building's filing in the state condo database (DBPR) or ask Zach for the document pack.
Facts only, from the listing and state law. We don't grade buildings. How Florida's condo safety laws work.
Start an offer
- Pre-approval letter or proof of funds (cash)
- The price you'd offer and your deposit
- Financing type and closing date
- Inspection period you want (often 10-15 days)
- Condo documents review: Florida gives you a review period after you receive the association documents
- A signed buyer agreement with Zach (Florida practice before touring or offering)
Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.
Ask Zach anything
One tap opens a text with this address filled in.
Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM.
From finding it to the keys, one agent
- Find it
Every home for sale and rent from the MLS, with the real monthly cost. Or tell Zach what you want and he looks for you. - Tour it
Same day when the listing side allows, in person or live video. - Afford it
Real Florida costs up front: taxes, HOA, insurance, flood zone, assessments. Buyers: pre-approval with a lender you choose. Renters: your renter résumé and documents in one place. - Make the offer or apply
Zach writes the offer or the application, negotiates, and handles the association approval. - Close or get the keys
Zach tracks every deadline through inspections, condo documents and closing or lease signing, then stays your agent after.
Report a problem with this listing
Wrong price, already sold, wrong photos, or something that looks like a scam copy? This goes straight to Zach, who fixes or escalates it within 2 business days.
Never send a deposit by Zelle, Cash App, wire or crypto, and never before you've seen the home with a licensed agent.
Chat with Zach
Zach typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.
Your messages go to Zach only. Reply STOP anytime and he won't follow up again.
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All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright ©2026 BeachesMLS, Inc. Listing data last updated Oct 28, 2026, 3:53 AM ET. Listing information is deemed reliable but not guaranteed. zach.homes estimates and Zach's notes are shown separately from MLS data and labeled with their source.