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
$5,900,0005222 Fisher Island Drive #5222, Miami Beach, FL 33109
Listing courtesy of Rivero Real Estate , Inc. · 561-843-7673 · 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 31, 2026, unless a row says otherwise.
- Price
- $5,900,000 · $3,026/sqft
- Property taxes
- Not listed - ask Zach
- HOA / condo fee
- $4,448/mo (listed as $13,345 quarterly)From the listing, unconfirmed
- Fee covers
- Cable TV, Security, Water, Common Areas
- Special assessments
- None listed
- Mandatory club / membership
- Required per the MLS. Membership fee per the MLS: $450,000. Ask Zach for the current club costs
- 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 27, 2026
- Monthly payment (estimate)
- $46,190/mo: $32,167 loan + $9,342 tax + $233 insurance + $4,448 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
- 1992 · 8 stories
- Days on market
- About 238 days
- Price history (this listing)
- Listed Mar 10, 2026.
Details
- TypeCondo
- Beds2 bd
- Baths2.5
- Size1,950 sqft
- Year built1992
- Parking2 garage
- PoolCommunity
- WaterfrontYes: Ocean Access, Seawall, Bayfront
- ViewGarden, Skyline, Bay
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodBAYVIEW FISHER ISL CONDO
- ZIP33109
- MLS #A11978123
- To the beachAbout 0.7 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Rare Bayview waterfront unit on exclusive Fisher Island with sweeping, unobstructed views of Biscayne Bay and Miami skyline. Extensively renovated with exceptional craftsmanship, this 2 bedroom, 2.5 baths plus a den/office/gym. Residence has deep double oversized terraces totaling over 1,280 sqft, with rear terrace featuring unobstructed panoramic waterfront views with its western exposure.Unit has over 1,950 square feet of interior living space and features top-of-the-line finishes and appliances. The residence also offers the opportunity to expand the interior living space by up to an additional 622 square feet, with association approval. Features include: Custom Italian built-in closets, striking marble counter tops, venetian plaster, impact resistant hurricane sliding glass windows and doors. Premium Appliances: Liebherr refrigerator, freezer, and wine refrigerator, Wolf electric cooktop and microwave, Miele smart oven, Bosch dishwasher, Stiebel tankless hot water heater and UniFi high-speed router. Top of the line Sony large screen TV's throughout.Large private storage room 147 Sqft. Two garaged parking spaces and two golf cart spaces.
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 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 1992, 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
- 1992 (34 years old)
- Stories
- 8
- HOA / condo fee
- $4,448/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Security, Water, Common Areas
- Pets
- Yes, Pet Restrictions Possible
- Milestone inspection
- This building is 34 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.
Chat with Zach
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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 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.