Price cut $65K3D tour
$390,000
9499 Collins Avenue #205, Surfside 33154
Est. $3,804/mo with 20% down incl. HOA
Listing courtesy of Basel Boutique Real Estate · BeachesMLS
$399,9008888 Collins Avenue #103, Surfside, FL 33154
Listing courtesy of Vylla Home · 813-965-0505 · BeachesMLS
Full disclosure: what this home really costs
11 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 Sep 9, 2026, unless a row says otherwise.
- Price
- $399,900 · $548/sqft
- Property taxes
- $4,668/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
- $502/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Sewer, Trash, Water, Reserve Funds, Roof Repairs
- Special assessments
- Yes – amount 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
- Not listed - ask Zach
- Monthly payment (estimate)
- $3,338/mo: $1,970 loan + $633 tax + $233 insurance + $502 HOA. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 2000 · 5 stories
- Days on market
- About 341 days
- Price history (this listing)
- Last price change Jul 10, 2026; listed Nov 21, 2025.
Details
- TypeCondo
- Beds1 bd
- Baths1.5
- Size730 sqft
- Year built2000
- Parking1 garage
- PoolCommunity
- ViewWater, Ocean
- FurnishedUnfurnished
- NeighborhoodSURFSIDE PALMS CONDO
- ZIP33154
- MLS #A11918032
- To the beachAbout 0.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome to your Surfside beach escape—just steps from the sand and the Atlantic Ocean! This charming 1-bedroom, 1.5-bath condo at Surfside Palms offers the perfect blend of comfort, convenience, and coastal living. Enjoy ocean breezes from your oversized balcony with partial ocean views or start your morning with a stroll to the beach—just around the corner.Inside, the home features a spacious living area, an efficient kitchen with abundant cabinetry, a serene bedroom with generous closet space, and an en-suite bath. Additional conveniences include an in-unit washer and dryer and a dedicated garage parking space.Surfside Palms is a boutique Mediterranean-style building with a pool, spa, and relaxed beach-town atmosphere. The location is exceptional—walk to the beach in seconds, enjoy nearby dining along Harding Ave, and take a short drive to world-class luxury shopping at Bal Harbour Shops or the vibrant nightlife, restaurants, and culture of South Beach.Experience the best of coastal living in one of Miami’s most desirable beachfront neighborhoods. Welcome home to Surfside Palms. Seller financing available.
Monthly payment calculator
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
- Not checked yet. Look it up on FEMA's map or ask Zach.
- Wind and building code
- Built in 2000, 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
- 2000 (26 years old)
- Stories
- 5
- HOA / condo fee
- $502/mo (from the listing, unconfirmed)
- Fee covers
- Maintenance Grounds, Sewer, Trash, Water, Reserve Funds, Roof Repairs
- Pets
- Yes, Pet Restrictions Possible
- Milestone inspection
- Due by Dec 31, 2030 for buildings 3+ stories (local officials can require it at 25 years).
- 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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Listing courtesy of Vylla Home · 813-965-0505 · 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 Oct 27, 2026, 4:51 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.