Price cut $124K3D tour
$875,700
2865 NW 22nd Avenue, Miami 33142
Est. $6,659/mo with 20% down
Listing courtesy of Pinnacle Realty of Florida Corp · BeachesMLS
$999,000569 SW 5th Street, Miami, FL 33130
Listing courtesy of Compass Florida, LLC · 305-697-5402 · BeachesMLS
Full disclosure: what this home really costs
9 of 11 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
- $999,000 · $467/sqft
- Property taxes
- $4,147/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
- None per the listing: “With no HOA fees, no restrictive condo rules, and no elevator wait times, you have the liberty to manage your property on your own terms.”Listing remarks, word for word, unconfirmed
- What the fee covers
- Not listed - ask Zach
- Special assessments
- Not listed - ask Zach
- 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 9 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 31, 2026
- Monthly payment (estimate)
- $7,527/mo: $5,447 loan + $1,582 tax + $498 insurance. 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
- 1922 · 2 stories
- Days on market
- About 44 days
- Price history (this listing)
- Listed Sep 19, 2026.
Details
- TypeMulti-family
- Size2,140 sqft
- Year built1922
- NeighborhoodCITY OF MIAMI SOUTH
- ZIP33130
- MLS #A12092079
- To the beachAbout 4.0 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Experience the perfect blend of immediate rental income and long-term development potential with this exceptionally maintained duplex in the heart of Miami. Situated just moments from the vibrant energy of Brickell, this property offers a rare opportunity to own in one of Miami’s most sought-after urban corridors.Whether you are a savvy investor looking to capitalize on a high-demand rental market or an owner-occupant seeking the ultimate "house-hack," this property delivers. The layout features a spacious 3-bedroom, 1-bathroom residence on the ground floor and a beautifully remodeled 1-bedroom, 1-bathroom retreat upstairs, complete with newer appliances and views of the iconic Brickell skyline.Enjoy the total freedom and privacy that only a detached lot can provide. With no HOA fees, no restrictive condo rules, and no elevator wait times, you have the liberty to manage your property on your own terms. The structure is anchored by a roof replaced just five years ago, offering immediate peace of mind and reduced maintenance overhead.Ideally positioned near world-class dining and luxury shopping, this is a strategic move for those eyeing both lifestyle perks and significant long-term land value appreciation. Secure your footprint in Miami’s most exciting urban center and take advantage of the diverse possibilities this unique property offers.
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 31, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1922, 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
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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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.