3D tour
$199,000
498 NW 165th St Road #D205, Miami 33169
Est. $2,385/mo with 20% down incl. HOA
Listing courtesy of Direct Realty Solutions · BeachesMLS
$239,9009300 W Flagler Street #214C, Miami, FL 33174
Listing courtesy of La Rosa Realty Beaches LLC · 954-526-7318 · BeachesMLS
Full disclosure: what this home really costs
12 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 31, 2026, unless a row says otherwise.
- Price
- $239,900 · $253/sqft
- Property taxes
- $3,653/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
- $350/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Security, Trash, Water, Common Areas, Recreation Facility
- Special assessments
- None listed
- 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
- Zone AH: high-risk flood area, base flood elevation 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 29, 2026
- Monthly payment (estimate)
- $2,271/mo: $1,308 loan + $380 tax + $233 insurance + $350 HOA. 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
- 1973 · 2 stories
- Days on market
- About 42 days
- Price history (this listing)
- Originally listed at $249,900; last price change Oct 18, 2026; listed Sep 21, 2026. Down $10,000.
Details
- TypeCondo
- Beds2 bd
- Baths1.5
- Size948 sqft
- Year built1973
- PoolCommunity
- ViewOther
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodSOUTH WINDS CONDO
- ZIP33174
- MLS #A12094704
- To the beachAbout 13 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
RARE MIAMI VALUE! LOCATION + CONVENIENCE + POTENTIAL! NEW PRICE $239,900 reflects the repairs and updating needed—an opportunity to transform this diamond in the rough into your own Miami oasis! Enjoy a tranquil, gated community with green courtyards, pool, BBQ and sitting areas, ample guest parking and a LOW $350/month HOA! Residents appreciate the community's management and upkeep. LIVE WHERE A CAR IS OPTIONAL! Walk across the street to Walmart, supermarkets, restaurants, shops, gym and public transportation! Approx. 5 min to MIA and FIU; convenient to major malls, medical facilities, Downtown Miami and Miami Beach. This 2-story CORNER unit offers privacy with NO neighbors above, 2 BRs, 1.5 baths and flexible space for a home office or other use. NO age restrictions; leasing permitted from Day 1 per HOA management. One assigned parking space. No elevator. THE LOCATION IS THE JEWEL. THE RENOVATION IS YOUR OPPORTUNITY! Priced for its condition, not its potential. Call agent for showing.
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 AH: high-risk flood area. A FEMA Special Flood Hazard Area (about a 1% chance of flooding each year). Lenders require flood insurance for federally backed mortgages here. Source: FEMA National Flood Hazard Layer, checked Oct 29, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1973, 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
- 9300
- Year built
- 1973 (53 years old)
- Stories
- 2
- HOA / condo fee
- $350/mo (from the listing, unconfirmed)
- Fee covers
- Maintenance Grounds, Security, Trash, Water, Common Areas, Recreation Facility
- Pets
- Yes
- Milestone inspection
- The listing shows 2 stories. Florida's milestone inspection covers condo buildings 3+ stories, so it may not apply here - ask Zach to confirm.
- Reserve study (SIRS)
- Required for condo buildings 3+ stories; with 2 stories listed it may not apply. Ask Zach, or check the state condo database (DBPR).
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 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
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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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.