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+7 photosLuxury condo — 2640 NE 135th Street 312 · Keystone Bay Condo · North Miami
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Open property magazine$200,000
2640 NE 135th Street 312, North Miami, FL 33181
North Miami, FL, 33181
1 bd · 2 ba · 1,010 sqft
Listed by Keller Williams Realty Premier Properties
2640 NE 135th Street 312, North Miami, FL 33181
Listed by Keller Williams Realty Premier Properties
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Estimated monthly payment
$2,324/mo
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 $2,324/mo · principal, interest, taxes, insurance and HOA. Verify before you buy.
Cash to close includes the down payment, lender and title costs, taxes, insurance prepayments and escrow deposits. Editable estimate only.
Insurance and flood: Zone not provided · verify insurance quotes before buying.
About this home
Find similar homesImagine starting your day with a coffee on your private balcony overlooking Arch Creek Preserve. Then finish your day with peaceful water views & watching the sunset from your pool overlooking the Intracoastal Waterway. Welcome to Keystone Bay, where waterfront living meets comfort, convenience, and exceptional value.This spacious 1-bedroom, 1.5-bath residence offers over 1,000 square feet of well-designed living space, providing room to relax, entertain, or work from home. The bright, open layout maximizes natural light while creating a warm and inviting atmosphere.Enjoy the community pool, tranquil waterfront setting, and the rare privacy of overlooking a protected natural preserve instead of neighboring buildings. Ideally located near Bal Harbour, Aventura, beaches, shopping, dining, FIU Biscayne Bay Campus, and major highways, this home is perfect as a primary residence, vacation getaway, or investment property.If you've been searching for affordable waterfront living in one of North Miami's most desirable locations, this is an opportunity you won't want to miss.Some photos have been virtually staged using AI technology.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
303 days on market
Longer time on market usually means the seller is more open to negotiating on price and terms.
Price reductions and days on market come from this listing's MLS record. This is an initial market signal, not a formal appraisal or full comparable market analysis.
Building health
- Building
- KEYSTONE BAY CONDO· MLS
- Year built
- 1972· MLS
- Stories
- 3· MLS
- Units
- Not provided —
- Milestone inspection
- Not provided —
- Milestone date
- Not provided —
- SIRS
- Not provided —
- SIRS date
- Not provided —
- Special assessments
- Not provided —
- Assessment amount
- Not provided —
- Assessment purpose
- Not provided —
- Assessment due date
- Not provided —
- Reserves
- Not provided —
- Minimum lease term
- Not provided —
- Rentals per year
- Not provided —
- Pet rules
- Yes, Pet Restrictions Possible· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $564 / month · billed Monthly· MLS
Last updated Not provided, source: MLS remarks —
Always review the association's milestone inspection report, SIRS, budget and the last 24 months of board minutes before you buy.
Property Details
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Your costs (est.)
≈ $2,324/mo
2640 NE 135th Street 312, North Miami, FL 33181 · North Miami
Location
2640 NE 135th Street 312, North Miami, FL 33181
One home, every check
Dock & Draft Match™ brings this home's dock length, low-water depth, every bridge, the ocean run, frontage and yacht size together in one place. Estimate only, not guaranteed. Verify before you buy or sell.
What buyers ask about this home
What are the estimated monthly carrying costs at 2640 NE 135th Street 312, North Miami, FL 33181?+
Property tax (after sale): $360/month est.; homeowners insurance: $362/month est.; HOA: $564/month. Fixed ownership costs before a mortgage: $1,286/month est. Principal and interest: $1,038/month; PMI: $0/month. Total for the payment scenario shown: $2,324/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 2640 NE 135th Street 312, North Miami, FL 33181?+
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 2640 NE 135th Street 312, North Miami, FL 33181 need flood insurance, and what drives the premium?+
Most of North Miami 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 2640 NE 135th Street 312, North Miami, FL 33181?+
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 2640 NE 135th Street 312, North Miami, FL 33181 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many North Miami 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 2640 NE 135th Street 312, North Miami, FL 33181?+
This listing has been on the market 303 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 North Miami, 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.
Mater Biscayne Academy North Miami Elementary School
Elementary · Charter · Grades PK–5 · North Miami
Mater Biscayne Academy North Miami Middle School
Middle school · Charter · Grades 6–8 · North Miami
Advance Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades K–12 · North Miami
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
The home, in a magazine
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Simon Gedz
Realtor® since 1995
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