Listing courtesy of One Sotheby's International Realty · BeachesMLS
$3,200,000Address not published, Surfside, FL 33154
Listing courtesy of Citadel Realty · 305-866-8000 · 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 Sep 30, 2026, unless a row says otherwise.
- Price
- $3,200,000 · $2,055/sqft
- Property taxes
- $24,181/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
- $2,265/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Common Areas, Elevator, Roof Repairs, Pool Service
- Special assessments
- Yes – amount not listed, ask Zach
- 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
- Not listed - ask Zach
- Monthly payment (estimate)
- $23,327/mo: $15,762 loan + $5,067 tax + $233 insurance + $2,265 HOA. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 1965 · 12 stories
- Days on market
- About 48 days
- Price history (this listing)
- Listed Sep 10, 2026.
Details
- TypeCondo
- Beds3 bd
- Baths3
- Size1,557 sqft
- Year built1965
- Parking2 garage
- PoolCommunity
- WaterfrontYes: Deeded Beach Access, Ocean Access, Ocean Front
- ViewPool, Direct Ocean, Ocean
- FurnishedFurnished
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodSPIAGGIA OCEAN CONDO
- ZIP33154
- MLS #A12086266
- MapMap location not available
From the listing
Exceptional oceanfront residence at Spiaggia in the heart of Surfside, with direct, unobstructed Atlantic Ocean views and immediate beach access. This spacious 3-bedroom, 3-bath home plus den features a highly desirable layout that combines comfort, elegance and generous living spaces—designed for everyday living and memorable moments with family and friends. Expansive living and dining areas are filled with natural light, while the flexible den is ideal for a home office, media room or guest space.Enjoy true oceanfront living in a full-service beachfront condominium offering beach service, oceanfront pool, gym, attended lobby, valet parking and Shabbat elevator.Privileged location at the crossroads of Surfside, Bal Harbour and Bay Harbor Islands, just a few minutes’ walk from Bal Harbour Shops, fine dining, boutiques, houses of worship and the Surfside Community Center, offering fitness, aquatic and recreational amenities including tennis, swimming and kayaking. Experience a unique coastal lifestyle where nature and convenience come together—wake up to the Atlantic, enjoy the scenic oceanfront boardwalk for walking, jogging or biking, and easily access dining, shopping and everyday essentials without needing a car. A rare opportunity to own in one of Miami’s most sought-after coastal communities.Cryptocurrency-funded offers condidered, subject to mutual acceptable terms. Exceptional oceanfront residence at Spiaggia in the heart of Surfside, offering direct, unobstructed Atlantic Ocean views and immediate beach access directly from the building. Every bedroom enjoys ocean views, complemented by beautiful water vistas from the living and dining areas, kitchen, den, and private balconies. Explore the residence through an interactive virtual tour featuring the floor plan and room-by-room photography, designed to showcase the home’s remarkable connection to the ocean.This well-designed 3-bedroom, 3-full-bath residence plus den offers a highly desirable layout, generous living and dining areas, abundant natural light, and a versatile den ideal for a home office, family room, media space, or guest accommodations. Additional conveniences include an in-unit washer and dryer and valet parking service for residents and guests.Spiaggia is a full-service beachfront condominium located directly on the beach, with no need to cross Collins Avenue or any other street to reach the sand. Resort-style amenities include dedicated beach service, an oceanfront swimming pool, gy
Monthly payment calculator
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 1965, 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
- Not listed - ask Zach
- Year built
- 1965 (61 years old)
- Stories
- 12
- HOA / condo fee
- $2,265/mo (from the listing, unconfirmed)
- Fee covers
- Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Common Areas, Elevator, Roof Repairs, Pool Service
- Pets
- No
- Milestone inspection
- This building is 61 years old. Florida requires a milestone structural inspection for condo buildings 3+ stories by Dec 31 of the year they turn 30 (local officials can require it at 25), then every 10 years. Ask Zach for the report.
- Reserve study (SIRS)
- Condo buildings 3+ stories must have a structural integrity reserve study. Look up the building's filing in the state condo database (DBPR) or ask Zach for the document pack.
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 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 27, 2026, 4:51 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.