3D tour
$2,999,999
Address not published, Sunny Isles Beach 33160
Est. $24,380/mo with 20% down incl. HOA
Listing courtesy of Miles Goldstein Real Estate · BeachesMLS
$3,890,0004027 194th Trail, Sunny Isles Beach, FL 33160
Listing courtesy of Douglas Elliman · 305-866-4566 · BeachesMLS
Full disclosure: what this home really costs
10 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 30, 2026, unless a row says otherwise.
- Price
- $3,890,000 · $1,143/sqft
- Property taxes
- $15,489/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
- $800/moFrom the listing, unconfirmed
- What the fee covers
- Not listed - ask Zach
- Special assessments
- Not listed - ask Zach
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $5,975/yr (homeowners policy, county average). Get a real quote before you offer.Florida OIR county average with wind, data as of Mar 31 2026
- Flood zone
- Zone AE: high-risk flood area, base flood elevation 7 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 30, 2026
- Monthly payment (estimate)
- $28,665/mo: $21,208 loan + $6,159 tax + $498 insurance + $800 HOA. 20% down, 7.24% rate (Freddie Mac, week of October 29, 2026), 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 1996 · 2 stories
- Days on market
- About 98 days
- Price history (this listing)
- Originally listed at $3,995,000; last price change Aug 27, 2026; listed Jul 27, 2026. Down $105,000.
Details
- TypeHouse
- Beds5 bd
- Baths4
- Size3,403 sqft
- Year built1996
- Parking2 garage
- PoolPrivate
- ViewGarden
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodGOLDEN GATE ESTATES & MAR
- ZIP33160
- MLS #A12059057
- To the beachAbout 0.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Perfectly positioned between Sunny Isles Beach and Golden Beach, this exceptional residence offers a rare beachside lifestyle in one of South Florida’s few gated single-family communities with a private marina, tennis courts, playground, and beach access just steps away. Taken down to the studs and completely reimagined by a top designer, this is far more than a renovation. Virtually every major component has been replaced, including electrical, plumbing, roof, and impact windows and doors, creating a rare turnkey home with the quality and feel of new construction. Soaring ceilings, abundant natural light, and an open floor plan highlight 5 bedrooms plus a flexible media room easily converted to a 6th bedroom. A private courtyard pool is nestled within a lush tropical setting, ideal for relaxing or entertaining. Premium Leicht cabinetry is featured throughout the kitchen and baths, complemented by Dacor WiFi-enabled smart appliances, a built-in full-size refrigerator, separate full-size freezer, and two Gaggenau dishwashers. Set on a private corner lot near the community entrance, this home offers one of the easiest entrances and exits in the neighborhood while remaining just steps from the beach. A concealed storage room provides secure space for valuables. Adjacent to prestigious Golden Beach, this home offers many of the same coveted coastal lifestyle benefits at a compelling value in one of South Florida’s most desirable beachside locations.
Monthly payment calculator
Rate: 7.24% 30-year fixed average (Freddie Mac, week of October 29, 2026). Your own rate may differ; you can change it here.
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
- Zone AE: high-risk flood area. A FEMA Special Flood Hazard Area (about a 1% chance of flooding each year). Lenders require flood insurance for federally backed mortgages here. Source: FEMA National Flood Hazard Layer, checked Oct 30, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1996, 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.
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)
- 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
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Zach will reply as soon as he can.
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.
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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 Nov 2, 2026, 6:06 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.