3D tour
$729,800
398 NE 5th Street #4006, Miami 33132
Est. $5,683/mo with 20% down incl. HOA
Listing courtesy of KWG Realty Group LLC · BeachesMLS
$825,000610 NE 164th Terrace, Miami, FL 33162
Listing courtesy of Element Real Estate Group · 786-206-9077 · BeachesMLS
Full disclosure: what this home really costs
8 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
- $825,000 · $375/sqft
- Property taxes
- $8,500/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
- Not listed - ask Zach
- What the fee covers
- Not listed - ask Zach
- Special assessments
- Not listed - ask Zach
- Mandatory club / membership
- Not required per the MLS
- 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
- Not listed - ask Zach
- Monthly payment (estimate)
- $6,302/mo: $4,498 loan + $1,306 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
- 1956 · 1 story
- Days on market
- About 15 days
- Price history (this listing)
- Listed Oct 16, 2026.
Details
- TypeHouse
- Beds5 bd
- Baths4
- Size2,201 sqft
- Year built1956
- Parking4 garage
- ViewGarden
- NeighborhoodPLEASANT VILLAGE
- ZIP33162
- MLS #A12107893
- To the beachAbout 4.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to this beautifully renovated 5-bedroom, 4-bathroom home with in-law quarters in North Miami Beach,ideally located approximately 10 minutes from Aventura and Sunny Isles Beach. Enjoy this home with beautifulflat tile roofing system and new stucco. This move-in-ready residence features all-new electrical, plumbing, airconditioning, and ductwork for added comfort and peace of mind. At the heart of the home is a stunning designerkitchen featuring quartzite countertops, European-style minimalist cabinetry, gola system for easy no handleopening, stainless-steel appliances and a dedicated coffee/bar area with a wine cooler. Impact windows and doors,recess lighting and 40 x 40 porcelain tile throughout the home. The master suite features an organized customcloset with a His & Hers shower and wood bathroom sink vanity. The spacious layout opens to an expansivebackyard with plenty of room for entertaining, relaxing, or creating your own private oasis. Also, the property isfully fenced for security. A convenient circular driveway provides ample parking and easy access. Perfect forgenerational living where multiple families can live with their own privacy or excellent income potential with theseparate side living area (2/1) that may be ideal. Seller offering up to $20000 in credit for buyers closing cost or2-1 rate buy down that will lower monthly payment by reducing current rate 2% less. Come see for yourself.
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
- Not checked yet. Look it up on FEMA's map or ask Zach.
- Wind and building code
- Built in 1956, 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 replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM.
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 typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.
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 Oct 30, 2026, 10:20 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.