3D tour
$1,200,000
Address not published, Miami 33162
Est. $8,940/mo with 20% down
Listing courtesy of Vista Mar Realty Group Inc. · BeachesMLS
$1,600,0006600 SW 45th Street, Miami, FL 33155
Listing courtesy of Keller Williams Capital Realty · 305-662-7325 · 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 Nov 2, 2026, unless a row says otherwise.
- Price
- $1,600,000 · $775/sqft
- Property taxes
- $13,227/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
- None listed
- 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
- Zone AH: high-risk flood area, base flood elevation 9 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 30, 2026
- Monthly payment (estimate)
- $11,754/mo: $8,723 loan + $2,533 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
- 1953 · 1 story
- Days on market
- About 111 days
- Price history (this listing)
- Originally listed at $1,700,000; last price change Aug 7, 2026; listed Jul 14, 2026. Down $100,000.
Details
- TypeHouse
- Beds4 bd
- Baths3
- Size2,065 sqft
- Year built1953
- PoolPrivate
- ViewOther
- NeighborhoodBIRD ROAD TERRACE
- ZIP33155
- MLS #A12048453
- To the beachAbout 9.3 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Brand new property in Bird Rd Terrace 4 bed/3 baths with 2,065 sq. ft. under air and 2,640 sq. ft. of total construction with a 15’ x 30’ pool and a 550+ sq. ft. terrace. This house was built on an 11,000 sq. ft. lot. Brand new electric, plumbing, AC, and metal roof. This stunning, turn-key residence has been completely transformed with immaculate modern finishes throughout. Features a durable, contemporary metal roof and impact windows that fill the home with natural light. Step inside to an open and airy layout boasting neutral porcelain tile flooring, recessed LED lighting, and crisp, clean lines. The primary and secondary bathrooms are beautifully designed with floating wood vanities, chic matte fixtures, custom floor-to-ceiling tile work, and seamless glass showers. A dedicated laundry room comes fully equipped with a modern front-load washer/dryer set and a utility sink. Perfect for remote work or a growing family, the layout includes bright, versatile bedrooms/office spaces with ample closet space. Step outside to your ultimate backyard retreat, featuring a sparkling, pristine pool surrounded by an expansive pool deck, lush green grass, and towering palm trees—ideal for entertaining or relaxing in total privacy. Don't miss this move-in ready gem!
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 AH: 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 1953, 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.