3D tour
$729,800
398 NE 5th Street #4006, Miami 33132
Est. $5,683/mo with 20% down incl. HOA
Listing courtesy of KWG Realty Group LLC · BeachesMLS
$849,8889120 Little River Drive, Miami, FL 33147
Listing courtesy of The Cardenas Group Realty · 800-314-1404 · 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
- $849,888 · $301/sqft
- Property taxes
- $12,000/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
- None per the listing: “NO HOA.”Listing remarks, word for word, unconfirmed
- 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
- Not listed - ask Zach
- Monthly payment (estimate)
- $6,478/mo: $4,634 loan + $1,346 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
- 1962 · 1 story
- Days on market
- About 22 days
- Price history (this listing)
- Listed Oct 9, 2026.
Details
- TypeHouse
- Beds4 bd
- Baths3
- Size2,822 sqft
- Year built1962
- Parking2 garage
- WaterfrontYes: Canal Front
- ViewCanal
- LaundryIn Garage
- FurnishedUnfurnished
- NeighborhoodNORTH SHORES
- ZIP33147
- MLS #A12103752
- To the beachAbout 6.4 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Welcome home to 9120 Little River Dr. This charming, spacious, fully renovated home with 4 bedroom 3 bathroom home offers 3488 sq. in a convenient Miami location. 18750 sq ft lot New impact windows, new roof and much more. The updated/eat-in kitchen features quartz countertops, stainless steel appliances, ample cabinet space, flowing into a living/dining area with new laminate flooring, natural light. Two main suites offer walk-in closet and the additional bedrooms are generously sized and versatile for guests, a home office, or a growing family. Also offers an inlaw quarters with separate entrance, 2 car garage. Outside, enjoy a fenced backyard, covered patio, mature landscaping, room for entertaining Parking includes a circular driveway, 2 car garage. Recent updates include: roof, A/C 2026, impact windows, paint, flooring, kitchen. Ideally located with easy access to major roadways, shopping, dining, and the Design District, Wynwood, and Miami Beach, this home is perfect for first-time buyers or large families. NO HOA. Schedule your showing today!
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
- Not checked yet. Look it up on FEMA's map or ask Zach.
- Wind and building code
- Built in 1962, 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 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.