3D tour
$1,200,000
Address not published, Miami 33162
Est. $8,940/mo with 20% down
Listing courtesy of Vista Mar Realty Group Inc. · BeachesMLS
$1,380,000910 NE 81st Street, Miami, FL 33138
Listing courtesy of Realty Hub · 407-900-1001 · 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 Oct 30, 2026, unless a row says otherwise.
- Price
- $1,380,000 · $763/sqft
- Property taxes
- $13,937/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 $5,975/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)
- $10,207/mo: $7,524 loan + $2,185 tax + $498 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
- 1949 · 1 story
- Days on market
- About 108 days
- Price history (this listing)
- Originally listed at $1,680,000; last price change Oct 30, 2026. Down $300,000.
Details
- TypeHouse
- Beds4 bd
- Baths3
- Size1,808 sqft
- Year built1949
- ViewGarden
- LaundryLaundry Tub
- NeighborhoodSHORECREST
- ZIP33138
- MLS #A12055302
- 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
Price improvement. Stunning legal duplex on an oversized lot, nestled on a beautifully established, tree-lined street in highly sought-after, trendy Shorecres in desirable Miami's Upper East Sidet! The unique MiMo-style main residence features 3 bedrooms and 2 baths, soaring high ceilings with skylights, luxurious marble flooring, and an open-concept layout filled with natural light. Recent upgrades include a new roof (2021), new impact windows and doors (2024) and a new instant water heater (2026), fresh paint throughout (2026). The tranquil backyard is home to a self-contained 1-bedroom, 1-bath cottage, lush landscaping and spacious yards that provide exceptional privacy and a room for a pool. Relax with a cocktail, fire up the BBQ, or enjoy the peaceful tropical setting. A mature mango tree produces thousands of delicious mangoes each season.Ideally located just a 5-minute walk to Biscayne Bay, trendy restaurants, shops, a shopping plaza with a supermarket and gym, only 10 minutes drive to the beach, the Design District, and Wynwood, and 20 minutes to Downtown Miami, Miami International Airport, and Aventura. This exceptional property offers the perfect blend of vibrant city living and serene tropical tranquility, making it ideal as a primary residence, multigenerational home, or income-producing investment. The backyard of this property is the highest point of the neighborhood. No flooding concerns. More updated pictures will be posted soon.
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 1949, 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.
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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, 8:35 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.