Gated community home — 12923 SW 31st Court 146 · Melrose Point Condo · Miramar
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Open property magazine$410,000
12923 SW 31st Court 146, Miramar, FL 33027
Miramar, FL, 33027
Listed by Miami New Realty
12923 SW 31st Court 146, Miramar, FL 33027
Listed by Miami New Realty
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Pick up to 6 homes. Simon confirms times with each listing agent, then sends you the final schedule.
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Know your costs before you buy
Work through three numbers: your estimated monthly payment, the cash needed at closing, and insurance & flood.
Estimated Monthly Payment
20% down · 6.75% interest · 30-year loan
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $2,127/mo
- Property tax (after sale) est.
- $518/mo
- Homeowners insurance est.
- $271/mo
- HOA
- $463/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
12923 SW 31st Court 146, Miramar, FL 33027
Estimated cash to close est.
$95,234.84
Down payment plus Florida taxes, title, lender and prepaid costs.
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Loan amount (calculated): $328,000.00
Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.
Edit closing costs & prepaids
Assumes both policies cover identical land and dates, with loan coverage within owner coverage—even if the seller pays owner title. Minimum lender premium $25. Turn off if not eligible. Endorsement allowance defaults to one $25 endorsement; actual requirements and premiums vary (Florida 69O-186.005).
Appraisal starts at $650. Waterfront and luxury homes may require a higher fee; confirm with your lender.
Tax uses existing ZIP estimates (after sale); insurance uses existing site estimates. Edit with your quote. If HOA insurance is included, confirm separate unit-owner coverage. Missing HOA costs are excluded—not assumed zero.
Estimated cash to close est.
$95,234.84
- Down payment est.
- $82,000.00
- Mortgage note documentary stamps est.
- $1,148.00
- Mortgage intangible tax est.
- $656.00
- Lender’s title insurance est.
- $25.00
- Lender title endorsements est.
- $25.00
- Lender fees est.
- $1,500.00
- Appraisal est.
- $650.00
- Owner’s title insurance est.
- $2,125.00
- Title search & examination est.
- $125.00
- Municipal lien search est.
- $150.00
- Settlement / closing fee est.
- $450.00
- County recording (deed) est.
- $30.00
- County recording (mortgage) est.
- $120.00
- Inspection, wind mitigation & 4-point est.
- $900.00
- Survey est.
- $500.00
- Property tax escrow (2 months, after sale) est.
- $1,035.67
- Insurance escrow (2 months) est.
- $542.17
- First-year insurance premium est.
- $3,253.00
- HOA / condo contribution or transfer est.
- Not provided
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Mortgage stamps: $0.35 per $100 or fraction. Intangible tax: 0.2% of loan. Title uses Florida 69O-186.003 base rates. Assumes 2 months of tax/insurance escrow for financed purchases plus first-year insurance; cash purchases have no lender escrow.
Before deposits and credits. Prepaid interest and other contract costs are not included. Discounts and title endorsements must be confirmed by the title company. Title search, municipal lien search, settlement and recording are pass-through title company charges for cash and financed buyers alike; the municipal lien search is priced by each city and can run higher (e.g. Boca Raton $150, Coral Gables $220).
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Insurance & flood
- Flood zone (FEMA)
- Zone AE Combined Riverine and Coastal FloodplainFlood insurance required
- Homeowners insurance est.
- $271 / month
Flood insurance is required with a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender). The monthly insurance estimate above does not include flood insurance — see "Show details" for the flood rules and the official FEMA map.
Source: FEMA National Flood Hazard Layer · Date checked: Oct 24, 2026
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
Flood zone: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 24, 2026
- Roof type
- Not provided —
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Not provided —
- Window features
- Not provided —
- Year built
- 2004
Homeowners insurance: $271 / month est.
- Annual premium est.
- $2,948
- Fees & taxes est.
- $305
- Annual total est.
- $3,253
- Likely range est.
- $2,765–$3,904
- Dwelling coverage est.
- $301,625
- Other structures est.
- $6,033
- Personal property est.
- $60,325
- Loss of use est.
- $30,163
- Hurricane deductible (2%) est.
- $6,033
Based on the listing: 1,270 sq ft · built 2004 · 2 stories.
Dwelling coverage uses living area × county rebuilding cost. Selling price and land value are not included. The monthly estimate includes fees and applicable taxes.
Broward inland rates were calibrated against two supplied policies; other county and coastal rates have not yet been calibrated against real quotes.
Assumed where the listing is silent: concrete-block construction · coastal rating band · roof 6–15 years old · gable roof · standard finish · 2% hurricane deductible · admitted carrier; no surplus-lines tax. A newer roof, a hip roof shape, or a higher deductible can lower the premium; frame construction can raise it.
Educational estimate only, not an insurance quote. Actual premiums depend on the carrier, inspections, discounts, and underwriting. Flood insurance not included. Simon Gedz is a Realtor, not a licensed insurance agent.
Special Flood Hazard Area. With a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender), flood insurance is required.
The FEMA map is a strong indication, not the final answer: your lender orders its own flood zone determination. Cash buyers are not required to carry flood insurance, but on the water it is strongly recommended.
Florida rule: by 2027, Citizens policyholders must carry flood insurance even outside a flood zone, unless the Citizens policy excludes wind coverage. The FEMA map does not show this.
How flood insurance is priced (FEMA Risk Rating 2.0)
Flood insurance is priced home by home, so two neighbors on the same canal can pay very different amounts. Premiums depend on the home's elevation (first-floor height above the expected flood level), distance to water (ocean, Intracoastal, canal or river), the type of flood risk (storm surge, heavy rain or river overflow), the cost to rebuild, the foundation and construction type, and past flood claims on the property.
Federal flood insurance (NFIP) pays at most $250,000 for the building and $100,000 for contents. A luxury waterfront home needs private flood insurance or an "excess flood" policy on top.
Before an offer: pull the official FEMA flood map (FIRMette), ask the seller for an elevation certificate (it largely decides the price), ask whether the seller's existing NFIP policy can be transferred to you (sometimes at a lower rate), and have an insurance agent check prior flood claims (CLUE report). New NFIP policies usually have a 30-day wait before they take effect — don't leave it until the week of closing.
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
About This Property
Find similar homesLAKE VIEWS!* Direct lake access from this three-bedroom, three-bathroom townhouse in Melrose Point at Monarch Lakes. The 1,432-square-foot layout features three full bathrooms and a patio overlooking the water. One bedroom and a full bathroom are conveniently situated on the ground floor, offering added flexibility or comfortable accommodations for guests.Located in a gated community with 24-hour security and resort-style amenities, including a clubhouse and swimming pool. The homeowners association (HOA) fee includes complimentary Wi-Fi. The property offers easy access to the shops and restaurants along Miramar Parkway, as well as I-75 and the Florida Turnpike. A unique opportunity to own a home with direct lake access and the convenience of a ground-floor living arrangement in one of Miramar’s established communities. LAKE VIEWS!* Direct lake access from this three-bedroom, three-bathroom townhouse in Melrose Point at Monarch Lakes. The 1,432-square-foot layout features three full bathrooms and a patio overlooking the water. One bedroom and a full bathroom are conveniently situated on the ground floor, offering added flexibility or comfortable accommodations for guests.Located in a gated community with 24-hour security and resort-style amenities, including a clubhouse and swimming pool. The homeowners association (HOA) fee includes complimentary Wi-Fi. The property offers easy access to the shops and restaurants along Miramar Parkway, as well as I-75 and the Florida Turnpike. A unique opportunity to own a home with direct lake access and the convenience of a ground-floor living arrangement in one of Miramar’s established communities.
Property Details
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12923 SW 31st Court 146, Miramar, FL 33027 · Miramar
Location
12923 SW 31st Court 146, Miramar, FL 33027
What buyers ask about this home
What are the estimated monthly carrying costs at 12923 SW 31st Court 146, Miramar, FL 33027?+
Property tax (after sale): $518/month est.; homeowners insurance: $271/month est.; HOA: $463/month. Fixed ownership costs before a mortgage: $1,252/month est. Principal and interest: $2,127/month; PMI: $0/month. Total for the payment scenario shown: $3,379/month est. Flood insurance is not included. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 12923 SW 31st Court 146, Miramar, FL 33027?+
Usually yes. In Florida the assessed value resets to market value in the year after a sale, so the seller's current tax bill is rarely what a new owner pays. Budget roughly 1.8–2.0% of the purchase price annually until you file for homestead exemption and the Save Our Homes cap (or the 10% non-homestead cap) starts limiting increases.
Does 12923 SW 31st Court 146, Miramar, FL 33027 need flood insurance, and what drives the premium?+
Most of Miramar sits in a FEMA flood zone, and lenders require flood coverage in high-risk zones. Premiums are driven by elevation certificate, flood zone, roof age and shape, and whether the home has impact windows or accordion shutters. Ask for the current declarations page, the four-point inspection and wind mitigation report early — they set your real cost of ownership.
What should I check about the association before buying 12923 SW 31st Court 146, Miramar, FL 33027?+
For a Florida condo, review the milestone structural inspection and the Structural Integrity Reserve Study, current reserve balances, any pending or recently voted special assessment, the association's insurance and its litigation history. Ask how many units are owner-occupied and whether the lender will approve the building — a poorly funded association is the single biggest hidden cost in a condo purchase.
Can 12923 SW 31st Court 146, Miramar, FL 33027 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Miramar luxury buildings limit leases to once or twice a year with a minimum term and require board approval and an application fee. Request the declaration and rules before your inspection period ends if rental income matters to your plan.
Is there room to negotiate on 12923 SW 31st Court 146, Miramar, FL 33027?+
This listing has been on the market 23 days. Leverage comes from days on market, price history, comparable closed sales and the seller's motivation — not from a fixed percentage. I pull the full history and the true comps before we write, so the offer is built on what the property is actually worth today. Call or text (954) 562-1798 for that analysis.
Neighborhood & Commute
Located in Miramar, this property offers the South Florida lifestyle — warm-weather living year-round with easy access to the Atlantic coast, A-rated schools, and major business centers.
Approximate Drive Times
Drive times are estimates based on straight-line distance at typical South Florida traffic speeds. Actual times vary with traffic and routing.
Assigned schools for this address
Coconut Palm Elementary School
Elementary · 0.7 mi from this home · 13601 Monarch Lakes Blvd, Miramar
New Renaissance Middle School
Middle school · 2.0 mi from this home · 10701 Miramar Blvd, Miramar
Zone boundaries published by Broward County Public Schools.
Other options for this address
Mother Of Our Redeemer Catholic School
Elementary · Private · Catholic · Grades PK–8 · Hialeah
Renaissance Charter Middle School At Pines
Elementary · Charter · Grades PK–8 · Pembroke Pines
Love Outreach Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades 4–12 · Miramar
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
Simon Gedz
Realtor® since 1995
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