Price cut $15K3D tour
$1,585,000
814 Monterey Street, Coral Gables 33134
Est. $11,662/mo with 20% down
Listing courtesy of Miami New Realty · BeachesMLS
$1,795,000831 Cortez Street, Coral Gables, FL 33134
Open house: Nov 1, 2026, 7:30 PM to 9:30 PM
Listing courtesy of Real Broker, LLC · 855-450-0442 · 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 1, 2026, unless a row says otherwise.
- Price
- $1,795,000 · $897/sqft
- Property taxes
- $19,605/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 $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 X: minimal flood hazard (per FEMA map). Flood insurance optional; often worth pricing.FEMA flood map, checked Oct 30, 2026
- Monthly payment (estimate)
- $13,139/mo: $9,786 loan + $2,842 tax + $511 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
- 1946 · 1 story
- Days on market
- About 92 days
- Price history (this listing)
- Originally listed at $1,998,000; last price change Sep 11, 2026; listed Aug 2, 2026. Down $203,000.
Details
- TypeHouse
- Beds3 bd
- Baths3
- Size2,002 sqft
- Year built1946
- Parking1 garage
- ViewGarden
- Laundryin-unit
- NeighborhoodCORAL GABLES GRANADA SEC
- ZIP33134
- MLS #A12064051
- To the beachAbout 8.0 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Fully remodeled house in Coral Gables, Miami. With comprehensive, top-to-bottom renovations, this home offers the rare feel of new construction in one of Miami’s most sought-after neighborhoods.Experience refined living in this beautifully reimagined 3-bedroom, 3-bath residence. Completely renovated with a focus on comfort and style, the house highlights a bright open-concept layout, a private tropical courtyard, and a stunning chef’s kitchen outfitted with top-tier appliances. Designed for both everyday living and effortless entertainment. The property features a spacious primary suite and a well-appointed junior suite. Set on a desirable corner lot, the home welcomes you with a brand-new driveway, lush landscaping, and the peace of mind of impact and soundproof windows throughout. Modern lighting enhances the expansive living spaces. What makes Coral Gables stand out: Architecture & charm, Lifestyle, Top institutions, Iconic spots, Dining & shopping. In real estate terms, Coral Gables is one of the most desirable and stable luxury markets in South Florida. Gorgeous and professionally designed. A must-see opportunity to own a turnkey home.
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 X: minimal flood hazard (per FEMA map). Outside FEMA's mapped high-risk area. Many flood claims still come from outside high-risk zones, so a quote is worth getting. 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 1946, 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 1, 2026, 7:36 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.