Price cut $45K3D tour
$1,130,000
5323 NW 109th Court, Doral 33178
Est. $8,776/mo with 20% down incl. HOA
Listing courtesy of Winsome Realty · BeachesMLS
$1,124,0009890 NW 86th Terrace, Doral, FL 33178
Listing courtesy of True Brokers, LLC · 786-333-2250 · 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
- $1,124,000 · $420/sqft
- Property taxes
- $14,624/yr (2026 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
- $437/moFrom the listing, unconfirmed
- 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 $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
- Not listed - ask Zach
- Monthly payment (estimate)
- $8,856/mo: $6,128 loan + $1,780 tax + $511 insurance + $437 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
- 2014 · 2 stories
- Days on market
- About 23 days
- Price history (this listing)
- Listed Oct 9, 2026.
Details
- TypeHouse
- Beds4 bd
- Baths3.5
- Size2,674 sqft
- Year built2014
- Parking4 garage
- PoolCommunity
- WaterfrontYes: Lake Front
- ViewLagoon, Lake
- Laundryin-unit
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodDORAL BREEZE
- ZIP33178
- MLS #A12104108
- To the beachAbout 15 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Lakefront 4-bed, 3.5-bath home in Grand Bay, one of Doral's most sought-after gated communities, fully renovated and move-in ready. A bright open-concept layout with soaring ceilings, porcelain flooring, and designer finishes offers over 3,200 total sq ft for everyday living and entertaining.The backyard is built for the South Florida lifestyle, with a custom pergola, built-in BBQ area, and panoramic lake views perfect for outdoor dining, entertaining guests, or watching the sunset.Set on a 5,000 sq ft lot with a spacious driveway and oversized 4-car garage. Recent upgrades include on interior makes this home one of a kind.Residents enjoy a resort-style clubhouse with pool, fitness center, and sauna, plus tennis and basketball courts and beautifully maintained green spaces. Easy access to Downtown Doral, CityPlace Doral, Miami International Airport, Trump National Doral, area schools, restaurants, shopping, parks, the Turnpike, and SR-836.Waterfront living, quality finishes, and a central Doral location. Schedule your private 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 2014, after 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, 10:34 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.