3D tour
$4,500,000
5445 Collins Avenue #TH2, Miami Beach 33140
Est. $35,388/mo with 20% down incl. HOA
Listing courtesy of Prime Beach Realty Inc. · BeachesMLS
$5,495,0005025 Collins Avenue #1103-1104-1105, Miami Beach, FL 33140
Listing courtesy of United Realty Group Inc. · 954-450-2000 · BeachesMLS
Full disclosure: what this home really costs
12 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 31, 2026, unless a row says otherwise.
- Price
- $5,495,000 · $996/sqft
- Property taxes
- $92,000/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
- $8,669/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Elevator, Hot Water
- 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 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 28, 2026
- Monthly payment (estimate)
- $47,561/mo: $29,959 loan + $8,700 tax + $233 insurance + $8,669 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
- 1995 · 24 stories
- Days on market
- About 136 days
- Price history (this listing)
- Originally listed at $6,495,000; last price change Jul 28, 2026; listed Jun 19, 2026. Down $1,000,000.
Details
- TypeCondo
- Beds4 bd
- Baths4.5
- Size5,517 sqft
- Year built1995
- Parking3 garage
- PoolCommunity
- WaterfrontYes: Deeded Beach Access, Ocean Access, Ocean Front
- ViewPool, Water, Bay, Direct Ocean, Intracoastal, Ocean
- Laundryin-unit
- NeighborhoodCAPOBELLA CONDO
- ZIP33140
- MLS #A12039934
- To the beachUnder 0.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
PRICE IMPROVEMENT!Welcome to an extraordinary waterfront residence offering nearly 6,000 SF of interior living space plus expansive wraparound terraces with breathtaking panoramic views of the Atlantic Ocean, Intracoastal Waterway, and Miami skyline. This one-of-a-kind 4-bedroom, 5-bathroom home is surrounded by spectacular water views from virtually every room, filling the residence with natural light and creating an exceptional indoor-outdoor living experienceA private elevator entry opens to grand living and dining areas designed for both comfortable everyday living and effortless entertaining. The spacious updated kitchen features new appliances, beautiful countertops, abundant cabinetry, and a generous breakfast area, combining style and functionality.The expansive primary suite offers stunning sunrise views, a spacious bath, and oversized closets, while each additional bedroom provides privacy and comfort with its own en-suite bathroom. Rarely available and impressively scaled, this residence offers the feel of a private waterfront estate in the sky, perfect for those seeking space, elegance, and the ultimate Miami Beach lifestyle.Enjoy resort-style amenities, direct beach access, and an unbeatable oceanfront location just minutes from Bal Harbour, South Beach, fine dining, shopping, and entertainment. Perfectly positioned along one of Miami Beach’s most prestigious stretches of coastline, this extraordinary triple-combination residence represents a rare opportunity to own one of the largest and most impressive homes in a boutique oceanfront setting. Offering nearly 6,000 square feet of interior living space complemented, wraparound terraces, the residence delivers a level of scale, privacy, and sophistication seldom available in today’s market.From the moment the private elevator opens directly into the residence, the experience is one of elegance, openness, and effortless luxury. Expansive living spaces are framed by walls of glass that capture uninterrupted views of the Atlantic Ocean, the Intracoastal Waterway, and the sparkling Miami skyline, creating a breathtaking backdrop that changes beautifully from sunrise to sunset.Designed for both grand entertaining and comfortable everyday living, the residence flows seamlessly from formal gathering spaces to intimate family areas, with every room benefiting from abundant natural light and spectacular water views. The generous proportions throughout create an atmosphere more reminiscent of a private w
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 28, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1995, 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
- 1995 (31 years old)
- Stories
- 24
- HOA / condo fee
- $8,669/mo (from the listing, unconfirmed)
- Fee covers
- Maintenance Grounds, Elevator, Hot Water
- Pets
- Yes
- Milestone inspection
- This building is 31 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 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.