Price cut $450K3D tour
$9,500,000
5 Grove Isle Drive #M204, Coconut Grove 33133
Est. $73,267/mo with 20% down incl. HOA
Listing courtesy of One Sotheby's International Realty · BeachesMLS
$10,000,0005 Grove Isle Drive #M301, Coconut Grove, FL 33133
Listing courtesy of Compass Florida, LLC · 305-851-2820 · 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
- $10,000,000 · $2,633/sqft
- Property taxes
- Not listed - ask Zach
- HOA / condo fee
- $6,658/moFrom the listing, unconfirmed
- What the fee covers
- Not listed - ask Zach
- Special assessments
- None listed
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $1,816/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 VE: high-risk coastal flood area, base flood elevation 16 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 29, 2026
- Monthly payment (estimate)
- $77,162/mo: $54,520 loan + $15,833 tax + $151 insurance + $6,658 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
- 2026 · 7 stories
- Days on market
- About 46 days
- Price history (this listing)
- Listed Sep 17, 2026.
Details
- TypeCondo
- Beds4 bd
- Baths4.5
- Size3,798 sqft
- Year built2026
- Parking2 garage
- PoolCommunity
- WaterfrontYes: Bayfront
- ViewPool, Skyline, Water, Bay, Direct Ocean
- NeighborhoodVita at Grove Isle
- ZIP33133
- MLS #A12090492
- To the beachAbout 4.4 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
An exceptional waterfront residence at Vita at Grove Isle, by renowned developer Ugo Colombo, is located on a private island accessed through a security-staffed gatehouse and offers 1,119 SF of expansive terraces with unobstructed views of Biscayne Bay. The residence features a private elevator foyer entry, 10' FT ceilings, and Italian marble flooring throughout. The chef’s kitchen includes an oversized island, Miele appliances, and Molteni&C cabinetry with a built-in wine cooler. The primary suite opens to the bayfront terrace and features spa-inspired bathrooms with Italian stonework, a glass-enclosed steam shower with rainfall showerhead, dual vanities, and a spacious walk-in closet. All secondary bedrooms are ensuite with walk-in closets and terrace access. Smart home technology includes a Crestron system and Lutron HomeWorks lighting. Residents receive membership to the prestigious Grove Isle Racquet & Yacht Club, along with 24/7 valet and concierge services, two pools, a fitness center and spa, tennis, padel and pickleball courts, restaurant, private clubhouse, and more. The residence includes two valet parking spaces, with a private garage and boat slip available for purchase exclusively with the developer unit.
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: 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 VE: high-risk coastal flood area. High-risk area with wave action (a FEMA Special Flood Hazard Area). Lenders require flood insurance for federally backed mortgages here. Source: FEMA National Flood Hazard Layer, checked Oct 29, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2026, 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
- 2026 (new)
- Stories
- 7
- HOA / condo fee
- $6,658/mo (from the listing, unconfirmed)
- Fee covers
- Not listed - ask Zach
- Pets
- Yes, Pet Restrictions Possible
- Milestone inspection
- Due by Dec 31, 2056 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.
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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 1, 2026, 7:36 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.