Gated community home — 3062 SW 189th Avenue · Sunset Lakes Plat One · Miramar
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 3062 SW 189th Avenue, Miramar, FL 33029
A photo-rich, always-current edition with the home’s details, neighborhood lifestyle, assigned and nearby schools, ownership planning, and applicable waterfront guidance.
Open property magazine$1,249,000
3062 SW 189th Avenue, Miramar, FL 33029
Miramar, FL, 33029
Listed by Mike Ramirez Real Estate Corporation
3062 SW 189th Avenue, Miramar, FL 33029
Listed by Mike Ramirez Real Estate Corporation
Add this home to your tour day
Pick up to 6 homes. Simon confirms times with each listing agent, then sends you the final schedule.
0 of 6 homes in your tour
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
- $6,481/mo
- Property tax (after sale) est.
- $1,454/mo
- Homeowners insurance est.
- $482/mo
- HOA
- $310/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
3062 SW 189th Avenue, Miramar, FL 33029
Estimated cash to close est.
$275,124.94
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): $999,200.00
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.
$275,124.94
- Down payment est.
- $249,800.00
- Mortgage note documentary stamps est.
- $3,497.20
- Mortgage intangible tax est.
- $1,998.40
- 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.
- $5,698.00
- 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.
- $2,907.17
- Insurance escrow (2 months) est.
- $964.17
- First-year insurance premium est.
- $5,785.00
- 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 X 0.2 Percent Annual Chance Flood Hazard in Combined Riverine and Coastal ZoneNot federally required
- Homeowners insurance est.
- $482 / month
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 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: X
Moderate mapped flood risk; flooding is still possible.
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 2026
- Roof type
- Spanish Tile
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Partial)
- Shutters
- Not provided —
- Window features
- Impact Glass (Partial)
- Year built
- 2000
Homeowners insurance: $482 / month est.
- Annual premium est.
- $5,480
- Fees & taxes est.
- $305
- Annual total est.
- $5,785
- Likely range est.
- $4,917–$6,942
- Dwelling coverage est.
- $685,000
- Other structures est.
- $13,700
- Personal property est.
- $137,000
- Loss of use est.
- $68,500
- Hurricane deductible (2%) est.
- $13,700
Based on the listing: 2,740 sq ft · built 2000 · one story.
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 · inland 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.
Zone X. Flood insurance is not federally required, but it is strongly recommended and usually available at lower rates.
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 homesStunning remodeled 5BR/3BA SINGLE-STORY pool home with 3-car garage in the highly sought-after gated community of Sunset Lakes! The desirable one-story design means no stairs to climb, offering comfort and convenience for all ages. High ceilings and an open floor plan create an impressive sense of space, making the home feel even larger, brighter and more inviting.Beautiful 42" x 42" modern porcelain tile flows throughout the entire home, complementing the sophisticated contemporary design. The kitchen and all three bathrooms have been beautifully remodeled in elegant white finishes. The spacious primary suite features a gorgeous oversized custom walk-in closet with extensive built-in organizers, along with a completely remodeled primary bathroom.The upgrades continue outside. A new white-paver driveway with additional front parking provides exceptional curb appeal and added convenience. The pool deck and expansive patio area have also been completely redone with coordinating white pavers, creating a beautiful setting for entertaining and enjoying the South Florida lifestyle.Additional highlights include impact-resistant windows and doors throughout, newer A/C systems, and many more upgrades. Located in Sunset Lakes, one of Miramar's most sought-after communities.5 Bedrooms • 3 Bathrooms • SINGLE STORY • No Stairs • High Ceilings • Open Floor Plan • 3-Car Garage • Pool • Impact Windows & Doors • Extensively Remodeled • Move-In Ready!
Property Details
3062 SW 189th Avenue, Miramar, FL 33029 · Miramar
Location
3062 SW 189th Avenue, Miramar, FL 33029
What buyers ask about this home
What are the estimated monthly carrying costs at 3062 SW 189th Avenue, Miramar, FL 33029?+
Property tax (after sale): $1,454/month est.; homeowners insurance: $482/month est.; HOA: $310/month. Fixed ownership costs before a mortgage: $2,246/month est. Principal and interest: $6,481/month; PMI: $0/month. Total for the payment scenario shown: $8,726/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 3062 SW 189th Avenue, Miramar, FL 33029?+
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 3062 SW 189th Avenue, Miramar, FL 33029 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 an inspection focus on for a home like 3062 SW 189th Avenue, Miramar, FL 33029?+
In coastal South Florida, prioritize roof age and permit history, whether windows and doors are impact-rated, the seawall and dock condition on waterfront lots, drainage and elevation, plumbing type, and any open or expired permits with the city. These items, not cosmetics, drive both price and insurability.
What extra costs come with the pool at 3062 SW 189th Avenue, Miramar, FL 33029?+
A pool typically adds ongoing service, chemicals and electricity, plus periodic resurfacing and equipment replacement. Verify the safety barrier meets Florida code, which is required for insurance and resale.
Is there room to negotiate on 3062 SW 189th Avenue, Miramar, FL 33029?+
This listing has been on the market 40 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
Zone boundaries published by Broward County Public Schools.
Other options for this address
City/Pembroke Pines Charter Middle School
Middle school · Charter · Grades 6–8 · 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
Interested in this property?
$1,249,000 · MLS A12088393
$1,249,000
3062 SW 189th Avenue
3920 SW 195th Terrace, Miramar, FL 33029
Listed by Florida Realty of Miami Corp
SUNSET LAKES PLAT TWO
5 bd · 5 ba · 3,361 sq ft
$1,295,000
View details2654 SW 181st Terrace, Miramar, FL 33029
Listed by Elite Realty Partners, Inc.
SILVER LAKES PHASE III PA
5 bd · 3 ba · 3,378 sq ft
$889,000
View details18041 SW 33rd Street, Miramar, FL 33029
Listed by 1st Vision Realty of Florida Inc
SILVER LAKES PHASE III RE
5 bd · 3 ba · 3,034 sq ft
$850,000
View details17731 SW 23rd Street, Miramar, FL 33029
Listed by Related General Realty, LLC.
SILVER LAKES PHASE III
4 bd · 3 ba · 2,082 sq ft
$695,000
View details
17621 SW 31ST Court, Miramar, FL 33029
Listed by RE/MAX Select Group
SILVER LAKES PHASE III REPLAT
4 bd · 3 ba · 2,491 sq ft
$695,000
View details17536 SW 48th Street, Miramar, FL 33029
Listed by HomeSmart
SUNSET FALLS PLAT 1
5 bd · 4 ba · 3,372 sq ft
$1,150,000
View details