3D tour
$3,900,000
4470 Alton Road, Miami Beach 33140
Est. $27,936/mo with 20% down
Listing courtesy of Cervera Real Estate Inc. · BeachesMLS
$3,995,000661 86th Street, Miami Beach, FL 33141
Open house: Nov 1, 2026, 5:00 PM to 7:00 PM
Listing courtesy of EXP Realty LLC · 888-883-8509 · BeachesMLS
Full disclosure: what this home really costs
9 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
- $3,995,000 · $1,937/sqft
- Property taxes
- $47,938/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
- Zone AE: high-risk flood area, base flood elevation 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 31, 2026
- Monthly payment (estimate)
- $28,604/mo: $21,781 loan + $6,325 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
- 1950 · 1 story
- Days on market
- About 45 days
- Price history (this listing)
- Originally listed at $4,700,000; last price change Oct 20, 2026; listed Sep 17, 2026. Down $705,000.
Details
- TypeHouse
- Beds4 bd
- Baths3
- Size2,063 sqft
- Year built1950
- Parking1 garage
- PoolPrivate
- WaterfrontYes: Bayfront
- ViewWater, Bay, Direct Ocean, Ocean
- NeighborhoodBISCAYNE BEACH-2ND ADDN
- ZIP33141
- MLS #A12090938
- To the beachAbout 0.4 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Experience the best of Miami Beach waterfront living in this beautifully renovated 4-bedroom, 3-bath home offering 50 feet of waterfront, direct ocean access and no fixed bridges. A bright, open floor plan connects the kitchen, dining and living areas, all overlooking the water. Step outside to a private tropical retreat featuring a heated pool recently resurfaced and retiled, Tiki hut, BBQ area and waterfront entertaining spaces. Recent upgrades include a new A/C system, tankless water heater, and new washer and dryer. Additional features include impact windows, lush tropical landscaping, a charming covered front porch and private driveway parking. Ideally located near the beach, Surfside, Bal Harbour and Indian Creek, the home offers an exceptional combination of boating, outdoor living and the relaxed Miami Beach lifestyle, surrounded by an evolving mix of luxury residences and new construction.
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 31, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1950, 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 31, 2026, 10:34 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.