zach.homesRealty Hub 754-332-7529

Zach Curtis, REALTOR®, Realty Hub, license SL3664129 · 754-332-7529

$475,000915 RUTLAND Street, Opa-Locka, FL 33054

3 bd · 2 ba · 1,504 sqft · Price cut $10,000 · On the market about 52 days · Active

Listing courtesy of Realty 100 · 954-859-2100 · 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 Oct 28, 2026, unless a row says otherwise.

Price
$475,000 · $316/sqft
Property taxes
$2,152/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: “Beautiful, move-in-ready 3-bedroom, 2-bath single-family home with 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 $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 31, 2026
Monthly payment (estimate)
$3,853/mo: $2,590 loan + $752 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
1954 · 1 story
Days on market
About 52 days
Price history (this listing)
Originally listed at $485,000; last price change Oct 28, 2026. Down $10,000.
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Details

  • TypeHouse
  • Beds3 bd
  • Baths2
  • Size1,504 sqft
  • Year built1954
  • Parking4 spaces
  • NeighborhoodOPA LOCKA PL NO 3
  • ZIP33054
  • MLS #B26075579
  • To the beachAbout 7.9 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)

Check your commute (opens maps)

From the listing

Beautiful, move-in-ready 3-bedroom, 2-bath single-family home with NO HOA! This well-maintained property features a bright, functional layout, updated kitchen cabinetry, spacious living areas, a cozy fireplace, tile flooring throughout, and plenty of parking. The home offers a great layout with plenty of potential, perfect for adding your personal touch. Major updates include a roof approximately 9 years old, A/C approximately 2 years old, and water heater approximately 3 years old. Enjoy an oversized backyard with plenty of room for entertaining, pets, or future expansion. Additional highlights include a dedicated laundry area and abundant natural light. Conveniently located near major roads, schools, shopping, and dining. Perfect for first-time homebuyers or investors!

Virtual tour

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.

Estimate closing costs for this home

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 31, 2026. This is a map lookup, not an official flood zone determination.
Wind and building code
Built in 1954, 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

  1. Pre-approval letter or proof of funds (cash)
  2. The price you'd offer and your deposit
  3. Financing type and closing date
  4. Inspection period you want (often 10-15 days)
  5. A signed buyer agreement with Zach (Florida practice before touring or offering)

Rather not check the box? That's fine. Zach will call or email instead.

Zach will reply as soon as he can. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.

Tour 915 RUTLAND Street, Opa-Locka, FL 33054

Pick a time; same-day tours when the listing side allows. Zach confirms with the listing agent and texts you. Before a buyer tour Zach sends a short, plain-language buyer agreement to sign.

Pick a day

Same-day: 21 times left today, soonest 9:00 AM.

Rather not check the box? That's fine. Zach will call or email instead.

Zach will reply as soon as he can. Your info goes to Zach only. Never sold, never shared. You choose how he reaches you, and STOP always works.

Ask Zach anything

One tap opens a text with this address filled in.

Is it still available?What's the HOA really?Can I see it today?What would you offer?

Zach will reply as soon as he can.

From finding it to the keys, one agent

  1. 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.
  2. Tour it
    Same day when the listing side allows, in person or live video.
  3. 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.
  4. Make the offer or apply
    Zach writes the offer or the application, negotiates, and handles the association approval.
  5. 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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Listing courtesy of Realty 100 · 954-859-2100 · 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 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.

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