Price cut $100K3D tour
$470,000
492 NW 203rd Terrace, Miami Gardens 33169
Est. $4,290/mo with 20% down incl. HOA
Listing courtesy of Grant and Associates Real Estate INC · BeachesMLS
$580,000671 NW 204th Street, Miami Gardens, FL 33169
Listing courtesy of Brokers, LLC · 954-384-1616 · 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
- $580,000 · $327/sqft
- Property taxes
- Listed as $916,117/yr (2025 bill), about 158% of the price, which looks like a typo in the listing. Not used in the estimate below (it uses about 1.9% of price); ask Zach.
- HOA / condo fee
- $453/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Security, Sewer, Trash, Reserve Funds, Pool Service
- Special assessments
- None listed
- 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 AE: high-risk flood area, base flood elevation 6 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 29, 2026
- Monthly payment (estimate)
- $5,044/mo: $3,162 loan + $918 tax + $511 insurance + $453 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
- 2022 · 2 stories
- Days on market
- About 153 days
- Price history (this listing)
- Listed Jun 2, 2026.
Details
- TypeTownhouse
- Beds4 bd
- Baths2.5
- Size1,773 sqft
- Year built2022
- Parking3 garage
- PoolCommunity
- WaterfrontYes: Lake Front
- ViewLake
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodVISTA LAGO
- ZIP33169
- MLS #A12029844
- To the beachAbout 5.9 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Now for sale ? Professionally designed and featured on HGTV, this completely upgraded modern residence offers over $50,000 in renovations and elevated designer finishes throughout. Featuring soaring ceilings, unobstructed views with a beautiful partial lake view, luxury curtains, and designer lighting throughout the home.The chef’s kitchen showcases handcrafted zellige tile, modern matte black faucets, custom design beams, and curated finishes that create a warm contemporary aesthetic. Additional upgrades include hardwood stair steps, new black stair railings, handwoven details, upgraded half bathroom wall treatments, and large commercial-grade luxury vinyl flooring upstairs.The primary suite was transformed into a spa-inspired retreat with Moroccan lighting and tile, a European panel feature wall, rain shower, and custom wall treatments. One bedroom has been converted into an oversized custom closet but can easily be converted back into a fourth bedroom if desired.The backyard was fully redesigned for entertaining with custom lighting, oversized marble pavers, turf, and a built-in custom brick BBQ and pizza oven.A rare turnkey designer home with thoughtfully curated upgrades throughout - 15 minutes from Aventura. Easy to show — DM for details and private showings.
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: 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 29, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2022, 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.
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.
Similar homes in Miami Gardens
Text Zach
Price cut $40K3D tour
$485,000
20366 NW 4th Path, Miami Gardens 33169
Est. $4,173/mo with 20% down incl. HOA
Listing courtesy of Gilvan Realty Corp · BeachesMLS
3D tour
$489,000
21115 NW 14th Place #2, Miami Gardens 33169
Est. $4,241/mo with 20% down incl. HOA
Listing courtesy of IVC Realty Group LLC · BeachesMLS
3D tour
$530,000
20352 NW 6th Avenue, Miami Gardens 33169
Est. $4,700/mo with 20% down incl. HOA
Listing courtesy of Legacy Group Real Estate, LLC. · BeachesMLS
Listing courtesy of Brokers, LLC · 954-384-1616 · 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.