$425,0006570 SW 12th Street #7-6570, West Miami, FL 33144
Listing courtesy of JFA Realty Co · 305-644-8880 · 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 30, 2026, unless a row says otherwise.
- Price
- $425,000 · $370/sqft
- Property taxes
- $3,788/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
- $234/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Maintenance Structure, Trash
- Special assessments
- Not listed - ask Zach
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $6,136/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 X (shaded): moderate flood risk. Flood insurance optional; often worth pricing.FEMA flood map, checked Nov 1, 2026
- Monthly payment (estimate)
- $3,735/mo: $2,317 loan + $673 tax + $511 insurance + $234 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
- 1994 · 2 stories
- Days on market
- About 21 days
- Price history (this listing)
- Listed Oct 12, 2026.
Details
- TypeTownhouse
- Beds2 bd
- Baths2.5
- Size1,150 sqft
- Year built1994
- NeighborhoodVILLAS OF WEST MIAMI COND
- ZIP33144
- MLS #A12105530
- To the beachAbout 9.9 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to this adorable, well maintained two story townhome located in the desirable West Miami area just minutes from Coral Gables! Enjoy the convenience of being within walking distance of charter schools, supermarkets, two nearby parks (one for children and another for your four-legged fur babies) This inviting home features two parking spaces outside, once inside there are two spacious bedrooms upstairs each with its own en suite bathrooms and private lookout balconies, perfect for enjoying fresh air and a little outdoor retreat. There is also a convenient half-bathroom downstairs ideal for guests. The open concept layout seamlessly connects the kitchen, dining area, and living room, creating a comfortable space for everyday living and entertaining. Step outside to the private back terrace, perfect for hosting friends, enjoying your morning coffee, or unwinding at the end of the day.This townhome is a wonderful opportunity for buyers seeking comfort and accessibility in a desirable Miami location.Showings by appointment. Please provide proof of funds or a mortgage pre-approval letter when requesting a showing.
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 X (shaded): moderate flood risk. Outside the high-risk area but inside the 0.2% annual-chance (500-year) floodplain. Flood insurance is optional and often worth pricing. Source: FEMA National Flood Hazard Layer, checked Nov 1, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1994, 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
Zach will reply as soon as he can.
Your messages go to Zach only. Reply STOP anytime and he won't follow up again.
Listing courtesy of JFA Realty Co · 305-644-8880 · BeachesMLS
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.