Price cut $61K3D tour
$368,000
355 NW 31st Street #203, Miami 33127
Est. $3,202/mo with 20% down incl. HOA
Listing courtesy of The Keyes Company - Miramar · BeachesMLS
$345,000770 NE 69th Street #2B, Miami, FL 33138
Listing courtesy of Keller Williams Realty Miami Beach · 305-695-1112 · 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
- $345,000 · $331/sqft
- Property taxes
- $4,652/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
- $1,404/moFrom the listing, unconfirmed
- Fee covers
- Insurance, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Common Areas, Elevator, Hot Water, 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 VE: high-risk coastal flood area, base flood elevation 10 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 27, 2026
- Monthly payment (estimate)
- $4,064/mo: $1,881 loan + $546 tax + $233 insurance + $1,404 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
- 1965 · 9 stories
- Days on market
- About 64 days
- Price history (this listing)
- Listed Aug 28, 2026.
Details
- TypeCondo
- Beds1 bd
- Baths1.5
- Size1,042 sqft
- Year built1965
- Parking1 garage
- PoolCommunity
- WaterfrontYes: Bayfront
- ViewBay
- FurnishedUnfurnished
- NeighborhoodPALM BAY CONDOMINIUM
- ZIP33138
- MLS #A12079805
- To the beachAbout 3.7 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Direct Biscayne Bay and marina views frame this oversized 1,042-square-foot 1 Bed/1.5 Bath residence, offering exceptional space and light in one of Miami’s top waterfront enclaves. The unit features an expansive open plan where the kitchen, living, and dining areas breathe together naturally, framed by floor-to-ceiling glass. Proportion and flow are both right, complemented by a walk-in closet, dedicated additional storage, assigned covered parking, dishwasher, and pet-friendly policies. The marina fronting the property is under active restoration and generating rental income with completion expected within the year. Palm Bay is one of Miami's more distinctive addresses. A low density waterfront community originally developed as a private tennis club, set on eight acres of landscaped grounds beneath a canopy of mature oaks. It feels closer to a private park than a condo complex. Residents enjoy a bayfront pool, jacuzzi, modern fitness center, and tennis/pickleball courts, plus direct water access for paddleboarding and kayaking. A private gate connects directly to Legion Park next door. Minutes from the beach, the Design District, Downtown Miami, I-95, and MIA, this is the ultimate retreat in the heart of the Upper Eastside. Fully funded reserves, concrete restoration nearly complete, and Seller to pay current special assessment in full at closing.
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 VE: high-risk coastal flood area. High-risk area with wave action (a FEMA Special Flood Hazard Area). Lenders require flood insurance for federally backed mortgages here. Source: FEMA National Flood Hazard Layer, checked Oct 27, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1965, 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.
Condo health facts
- Building
- Not listed - ask Zach
- Year built
- 1965 (61 years old)
- Stories
- 9
- HOA / condo fee
- $1,404/mo (from the listing, unconfirmed)
- Fee covers
- Insurance, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Common Areas, Elevator, Hot Water, Pool Service
- Pets
- Yes
- Milestone inspection
- This building is 61 years old. Florida requires a milestone structural inspection for condo buildings 3+ stories by Dec 31 of the year they turn 30 (local officials can require it at 25), then every 10 years. Ask Zach for the report.
- 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 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, 9:34 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.