Listing courtesy of KWG Realty Group LLC · BeachesMLS
$950,0009840 SW 3rd Street, Miami, FL 33174
Listing courtesy of Real Broker, LLC · 855-450-0442 · BeachesMLS
Full disclosure: what this home really costs
9 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
- $950,000 · $485/sqft
- Property taxes
- $11,112/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
- Not listed - ask Zach
- 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 AH: high-risk flood area, base flood elevation 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 30, 2026
- Monthly payment (estimate)
- $7,181/mo: $5,179 loan + $1,504 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
- 1980 · 1 story
- Days on market
- About 117 days
- Price history (this listing)
- Listed Jul 9, 2026.
Details
- TypeHouse
- Beds4 bd
- Baths2
- Size1,959 sqft
- Year built1980
- Parking1 garage
- PoolPrivate
- ViewOther
- LaundryIn Garage
- FurnishedUnfurnished
- NeighborhoodWEST GARDEN SUB 1ST ADDN
- ZIP33174
- MLS #A12047488
- 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
Discover the perfect blend of comfort, style, and convenience in this beautifully maintained 4-bedroom, 2-bath home located in the heart of Miami's desirable suburbs. Designed for both everyday living and entertaining, this home features hurricane-impact windows and doors, a durable tile roof, and a spacious 1-car garage.Step outside to your own private backyard retreat, complete with a sparkling in-ground pool surrounded by premium travertine pavers that are naturally slip-resistant and remain cool underfoot—even on the hottest Florida days. The covered open lanai provides the ideal space for outdoor dining, relaxing, or hosting family and friends, while the fully fenced yard offers privacy and room for pets or play.Inside, you'll appreciate the peace of mind provided by the HVAC system replaced in 2020, along with a functional floor plan that offers comfortable living for families of all sizes.The location is hard to beat—just 2.3 miles from Florida International University, 2.4 miles from SR-826 (Palmetto Expressway), 2.6 miles from SR-836 (Dolphin Expressway), 2.8 miles from Dolphin Mall, 3.1 miles from the Florida Turnpike, and only 8.5 miles from Miami International Airport. Whether you're commuting, shopping, dining, or traveling, everything you need is just minutes away.Don't miss this exceptional opportunity to own a move-in-ready home in one of Miami's most convenient locations. The property is currently being leased and used for short-term rentals. Submit requests for showings via ShowingTime. Showing times available on Tuesdays in August. Showing times M-Th may be available in July; contact the listing agent first for confirmation. Seller requests 45-day closing. Submit all offers on the FAR BAR As-Is contract with verbiage in Other Terms & Conditions: “Seller to select Title Company and pay Buyer’s Title Policy; Buyer to pay Documentary Stamps.” Seller will consider fully financed offers without appraisal contingency. Include Proof of Funds (cash) or Prequalification Letter (financing) and signed Flood and Seller’s Disclosures. Incomplete offers may be rejected. Please submit all offers to patrick@HomesAndLoansSimplified.com. Title Company; Elizabeth Barreiro, Blue Empire Title & Escrow, LLC The information and materials provided in this listing are believed by the listing agent to be reliable; however, as they are supplied by third parties, their accuracy and completeness cannot be guaranteed. Accordingly, all information in this listing, r
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 30, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1980, 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.
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 3, 2026, 3:06 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.