Price cut $60K3D tour
$460,000
2329 NW 122nd Terrace, Miami 33167
Est. $3,772/mo with 20% down incl. HOA
Listing courtesy of Miami New Realty · BeachesMLS
$450,000650 NE 195th Street, Miami, FL 33179
Open house: Nov 7, 2026, 5:00 PM to 8:00 PM
Listing courtesy of United Realty Group Inc · 954-450-2000 · 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 27, 2026, unless a row says otherwise.
- Price
- $450,000 · $260/sqft
- Property taxes
- $5,806/yr (2026 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
- $250/moFrom the listing, unconfirmed
- Fee covers
- Trash, Common Areas
- 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)
- $3,677/mo: $2,217 loan + $713 tax + $498 insurance + $250 HOA. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 1986 · 2 stories
- Days on market
- About 14 days
- Price history (this listing)
- Originally listed at $460,000; last price change Oct 27, 2026; listed Oct 14, 2026. Down $10,000.
Details
- TypeTownhouse
- Beds3 bd
- Baths2.5
- Size1,732 sqft
- Year built1986
- PoolCommunity
- WaterfrontYes: Other
- ViewOther, Water
- NeighborhoodTHE GREENS AT THE CALIF C
- ZIP33179
- MLS #A12107423
- 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
STUNNING CORNER Townhome FHA APPROVED LOW HOA Welcome to this beautifully updated 3-bedroom townhouse featuring a modern kitchen, renovated bathrooms, and a bright, spacious layout with plenty of natural light! Major upgrades include a 2018 ROOF, NEW A/C (2024), and NEW STOVE, REFRIGERATOR & MICROWAVE (2025)! Enjoy the privacy of a desirable corner unit in a fantastic location near shopping, dining, and major highways. LOW HOA FEES & FHA APPROVED! Perfect for first-time homebuyers or anyone looking for comfort, style, and affordability. TEXT LISTING AGENT FOR SHOWING INSTRUCTIONS. THIS ONE WILL NOT LAST!
Monthly payment calculator
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 1986, 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 27, 2026, 4:51 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.