Price cut $45K3D tour
$745,000
851 NE 1st Avenue #2606, Miami 33132
Est. $7,643/mo with 20% down incl. HOA
Listing courtesy of Rainbow Investment Realty Inc · BeachesMLS
$810,000650 NE 32nd Street #3707, Miami, FL 33137
Listing courtesy of The Keyes Company - Miramar · 954-852-7890 · 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 30, 2026, unless a row says otherwise.
- Price
- $810,000 · $902/sqft
- Property taxes
- $9,000/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
- $1,277/moFrom the listing, unconfirmed
- Fee covers
- Internet, Security, Sewer, Trash, Water, Elevator, Hot Water, Recreation Facility, Pool Service
- 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 10 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 30, 2026
- Monthly payment (estimate)
- $7,209/mo: $4,416 loan + $1,283 tax + $233 insurance + $1,277 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
- 2018 · 55 stories
- Days on market
- About 37 days
- Price history (this listing)
- Listed Sep 27, 2026.
Details
- TypeCondo
- Beds1 bd
- Baths2
- Size898 sqft
- Year built2018
- Parking1 garage
- PoolCommunity
- WaterfrontYes: Seawall, Bayfront
- ViewWater, Bay
- NeighborhoodPARAISO BAY CONDO
- ZIP33137
- MLS #A12096980
- To the beachAbout 3.8 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Elegantly Corner 1BR 2 Baths plus separate Den/Study/2nd Bedroom with private full bath. Views from all rooms. Paraiso Bay Community is a 12-acre 4 Hi-Rise Luxury Residential Development on Biscayne Bay. Master Association of Paraiso Bay and Gran Paraiso encompasses 2 floors of exceptional amenities, including several club and meeting rooms, wine room, cigar room, 100' diameter resort pool deck, and jacuzzi with towel service, spa, theatre room, tennis courts, bowling alley, game rooms, several indoor and outdoor kitchens and bars, and fitness centers. Excellent concierge services with many fitness classes and community events: On-line building reservation system. One car Self Parking. Every closet was custom-designed by Ornare, the luxury brand known for fine materials and precise craftsmanship. Motorized drapes throughout the residence let you control light and privacy at the touch of a button.
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 30, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2018, after 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
- 2018 (8 years old)
- Stories
- 55
- HOA / condo fee
- $1,277/mo (from the listing, unconfirmed)
- Fee covers
- Internet, Security, Sewer, Trash, Water, Elevator, Hot Water, Recreation Facility, Pool Service
- Pets
- Yes
- Milestone inspection
- Due by Dec 31, 2048 for buildings 3+ stories (local officials can require it at 25 years).
- 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
Zach will reply as soon as he can.
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.