Listing courtesy of KWG Realty Group LLC · BeachesMLS
$1,295,000488 NE 18th Street #5009, Miami, FL 33132
Listing courtesy of Serhant · 561-203-2762 · 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 8, 2026, unless a row says otherwise.
- Price
- $1,295,000 · $932/sqft
- Property taxes
- $13,747/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
- $1,475/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Common Areas, Elevator, Hot Water, Recreation Facility, Pool Service
- Special assessments
- None listed
- 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
- Zone AE: high-risk flood area, base flood elevation 11 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 27, 2026
- Monthly payment (estimate)
- $10,818/mo: $7,060 loan + $2,050 tax + $233 insurance + $1,475 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
- 2018 · 53 stories
- Days on market
- About 55 days
- Price history
- Not listed - ask Zach























Details
- TypeCondo
- Beds2 bd
- Baths2.5
- Size1,390 sqft
- Year built2018
- Parking1 garage, 1 spaces
- PoolCommunity
- WaterfrontYes: Bayfront
- ViewCity, Water, Bay, Ocean
- Laundryin-unit
- NeighborhoodARIA ON THE BAY CONDO
- ZIP33132
- MLS #B26083575
- To the beachAbout 3.7 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Fifty floors above Biscayne Bay at Aria on the Bay, Residence 5009 is a fully furnished two-bedroom, two-and-a-half-bath home with bay, Miami Beach, and ocean views. From the moment the elevator opens into your private foyer, you are greeted by designer wallcoverings and the attention to detail of a top bicoastal interior designer, who renovated it as her own Miami pied-à-terre. No one has lived in it since. Floor-to-ceiling impact glass and 9-foot ceilings frame the view: across the bay to the heart-shaped Pace Picnic Island, the Venetian Causeway, the Miami Beach skyline, and the Atlantic. At this height it is private and quiet, and the northern exposure keeps the rooms cool through the afternoon. The living room is built around a floor-to-ceiling media wall in white lacquer and wood veneer, its floating unit topped in hand-selected Tempest Crystal quartzite. Concealed LED lighting, a backlit wallpapered soffit, and Sonos surround sound turn it into the centerpiece of the room at night. The open kitchen has a quartz island, a hand-glazed zellige backsplash, and a new, never-used Frigidaire Gallery induction cooktop; off the kitchen are an Ornare-fitted hall closet and an added open pantry not on the standard floor plan. The primary suite is the showpiece. A built-in bed wall of channel-tufted panels, mirrors, and pendants sits under an illuminated soffit, with floating nightstands in waterfall-edge quartzite. Floor-to-ceiling cabinetry is built deep enough for designer shoe and handbag collections in their original boxes, and a waterfall-quartzite desk and dresser sits across from the bed. Frameless frosted-glass doors open to his-and-hers Ornare walk-in closets and continue into the bath. The second bedroom sits on the far side of the plan for privacy; the Miami sunrise comes up over the bay outside its window, as if you were floating above the water. It has its own walk-in closet and en-suite bath. Storage is rare for a two-bedroom: his-and-hers walk-ins and a walk-in in the second bedroom, floor-to-ceiling primary cabinetry for shoe and handbag collections and a built-in dresser, closed storage along the full media wall, a lift-up storage bed, an Ornare hall closet, and an added pantry not on the standard plan. The 310-square-foot curved terrace opens from the living room and both bedrooms; one end catches the sunrise over the bay, the other the sunset over the city. This is Unit V, a plan built only on floors 48 to 51 and the largest two-bedroom
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 27, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2018, after 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
- 2018 (8 years old)
- Stories
- 53
- HOA / condo fee
- $1,475/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Common Areas, Elevator, Hot Water, Recreation Facility, Pool Service
- Pets
- Yes, Cats OK, Dogs OK, Size Limit, Pet Restrictions Possible
- Milestone inspection
- Due by Dec 31, 2048 for buildings 3+ stories (local officials can require it at 25 years).
- 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 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.
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 will reply as soon as he can.
Your messages go to Zach only. Reply STOP anytime and he won't follow up again.
Similar homes in Miami
Listing courtesy of First Realty of Miami,LLC. · BeachesMLS
Listing courtesy of Jad Realty, LLC. · BeachesMLS
Listing courtesy of EXP Realty LLC · BeachesMLS
Listing courtesy of Serhant · 561-203-2762 · BeachesMLS
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 3, 2026, 2:05 PM 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.