Price cut $45K3D tour
$745,000
851 NE 1st Avenue #2606, Miami 33132
Est. $7,643/mo with 20% down incl. HOA
Listing courtesy of Rainbow Investment Realty Inc · BeachesMLS
$630,0007993 SW 9th Terrace, Miami, FL 33144
Listing courtesy of Fausto Commercial Realty Consultants Inc · 786-748-7373 · 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 31, 2026, unless a row says otherwise.
- Price
- $630,000 · $508/sqft
- Property taxes
- $6,488/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 $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 AH: high-risk flood area, base flood elevation 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 29, 2026
- Monthly payment (estimate)
- $4,666/mo: $3,435 loan + $998 tax + $233 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
- 1983 · 1 story
- Days on market
- About 179 days
- Price history (this listing)
- Originally listed at $729,000; last price change Sep 10, 2026; listed May 8, 2026. Down $99,000.
Details
- TypeCondo
- Beds3 bd
- Baths2
- Size1,240 sqft
- Year built1983
- Laundryin-unit
- NeighborhoodFONTAINBLEAU GDNS
- ZIP33144
- MLS #A12016113
- To the beachAbout 11 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Nestled in the heart of Westchester, this 1,240-square-foot residence offers the rare opportunity to own a property that functions like a single-family home with the benefits of condo ownership. Located in a well-established community known for its central convenience and deep cultural roots, this home provides immediate access to some of Miami’s best authentic dining and local parks and destinations such as the Airport, FIU, and larger municipalities throughout Miami. All accessible through major highways like the Palmetto Expressway, 836, and SW 8th Street that are seconds from the home. The property’s unique "single-family condo" status is its greatest asset, offering a private yard and independent residence while sharing a lot with only one neighbor. The specific legal configuration often results in lower individual property tax burdens and reduced maintenance overhead compared to traditional fee-simple homes, presenting a unique "buy-in" opportunity for an area where median prices have recently climbed. This property stands as a great alternative as it lives and feels like a single-family home for those seeking a quiet, residential lifestyle in one of Miami-Dade’s most resilient neighborhoods but is legally a condo for ease of maintenance.
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 29, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1983, 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
- 1983 (43 years old)
- Stories
- 1
- HOA / condo fee
- Not listed - ask Zach
- Fee covers
- Not listed - ask Zach
- Pets
- Yes, No Restrictions
- Milestone inspection
- The listing shows 1 story. Florida's milestone inspection covers condo buildings 3+ stories, so it may not apply here - ask Zach to confirm.
- Reserve study (SIRS)
- Required for condo buildings 3+ stories; with 1 story listed it may not apply. Ask Zach, or check the state condo database (DBPR).
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 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.
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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 3, 2026, 2:05 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.