1 / 39



+34 photos312 Sw 12th Ave--50 — 312 SW 12th Avenue · Sailboat Bend · Fort Lauderdale








































South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 312 SW 12th Avenue, Fort Lauderdale, FL 33312
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$889,000
312 SW 12th Avenue, Fort Lauderdale, FL 33312
Fort Lauderdale, FL, 33312
Listed by Coldwell Banker Realty
312 SW 12th Avenue, Fort Lauderdale, FL 33312
Listed by Coldwell Banker Realty
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. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $4,613/mo
- Property tax (after sale) est.
- $1,389/mo
- Homeowners insurance est.
- $348/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
312 SW 12th Avenue, Fort Lauderdale, FL 33312
Estimated cash to close est.
$198,350.27
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): $711,200.00
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.
$198,350.27
- Down payment est.
- $177,800.00
- Mortgage note documentary stamps est.
- $2,489.20
- Mortgage intangible tax est.
- $1,422.40
- 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.
- $4,520.00
- 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.
- $2,777.50
- Insurance escrow (2 months) est.
- $695.17
- First-year insurance premium est.
- $4,171.00
- 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 Coastal FloodplainFlood insurance required
- Homeowners insurance est.
- $348 / 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 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: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 2026
- Roof type
- Flat
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Not provided —
- Window features
- Not provided —
- Year built
- 1949
Homeowners insurance: $348 / month est.
- Annual premium est.
- $3,866
- Fees & taxes est.
- $305
- Annual total est.
- $4,171
- Likely range est.
- $3,546–$5,006
- Dwelling coverage est.
- $402,750
- Other structures est.
- $8,055
- Personal property est.
- $80,550
- Loss of use est.
- $40,275
- Hurricane deductible (2%) est.
- $8,055
Based on the listing: 1,611 sq ft · built 1949 · 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.
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 homesExceptional Sailboat Bend house & cottage offering the privacy and feel of two fully separate homes near Las Olas, Downtown, Riverwalk and Brightline. The front residence features 3 bedrooms, 2 bathrooms, an inviting layout and a spacious fenced patio designed for entertaining and relaxed South Florida living. Privately positioned in the rear, the fully renovated 2-bedroom, 1-bath cottage includes its own private entrance, dedicated laundry room, expansive fenced yard and a true standalone-home experience rarely found in traditional house-and-cottage properties. With private parking and distinct outdoor spaces for each residence, the property offers remarkable flexibility for guests, extended living arrangements, owner occupancy or income-producing use. This configuration creates possibilities far beyond a conventional duplex. An owner can occupy one residence while using the other for visitors, extended living arrangements, a private workspace, seasonal accommodations or potential rental income, subject to regulations and approvals. Investors gain two distinct living environments without sacrificing the privacy that often disappears in traditional multifamily layouts. Because access, parking and outdoor areas are independently arranged, daily life in either residence can feel separate. The property's outdoor spaces further distinguish the experience. The front patio creates a welcoming setting for morning coffee, open-air dining and gatherings, while the large rear yard provides room to relax, garden, play or enjoy time with pets. Fencing around both areas adds definition and allows each household to use its exterior space independently. This combination of private interiors and dedicated outdoor areas gives the property the character of a residential compound rather than a standard two-unit arrangement. The location adds another layer of convenience. Historic Sailboat Bend is known for its tree-lined streets, eclectic architecture and established neighborhood atmosphere, all remarkably close to Fort Lauderdale's urban core. The Broward Center for the Performing Arts, restaurants, coffee shops, nightlife and everyday conveniences are nearby, with major roadways and Fort Lauderdale Beach within easy reach. Whether heading to a show, dining along Las Olas, walking the Riverwalk or catching a Brightline train, residents can enjoy quick access to many of the city's most popular destinations. This is a compelling option for buyers who want a primary home with a genuinely separate guest residence, those seeking space for a hybrid work-and-live arrangement, or investors looking for adaptable residential income potential. It also allows future owners to change how the property functions as their needs evolve—without compromising privacy between the two residences. Few properties combine this degree of separation, outdoor space, central location and versatility while retaining the warmth and character of a neighborhood setting. The result is a rare Sailboat Bend opportunity offering the freedom to live in one residence, use both, or enjoy the entire property as one private urban retreat.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 6%
The seller has come down from $949,000 to $889,000 — a $60,000 reduction since it came on the market.
146 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.
Property Details

Dogs
Welcome here

Cats
Welcome here
312 SW 12th Avenue, Fort Lauderdale, FL 33312 · Fort Lauderdale
Location
312 SW 12th Avenue, Fort Lauderdale, FL 33312
What buyers ask about this home
What are the estimated monthly carrying costs at 312 SW 12th Avenue, Fort Lauderdale, FL 33312?+
Property tax (after sale): $1,389/month est.; homeowners insurance: $348/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $1,736/month est. Principal and interest: $4,613/month; PMI: $0/month. Total for the payment scenario shown: $6,349/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 312 SW 12th Avenue, Fort Lauderdale, FL 33312?+
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 312 SW 12th Avenue, Fort Lauderdale, FL 33312 need flood insurance, and what drives the premium?+
Most of Fort Lauderdale 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 312 SW 12th Avenue, Fort Lauderdale, FL 33312?+
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 (cast iron and polybutylene are common in homes of this era), and any open or expired permits with the city. These items, not cosmetics, drive both price and insurability.
Is there room to negotiate on 312 SW 12th Avenue, Fort Lauderdale, FL 33312?+
This listing has been on the market 146 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
Fort Lauderdale. Venice of America — 165+ miles of navigable waterways, Las Olas dining, and easy I-95 / Brightline access.
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
North Fork Elementary School
Elementary · 0.5 mi from this home · 101 Nw 15Th Ave, Fort Lauderdale
New River Middle School
Middle school · 2.6 mi from this home · 3100 Riverland Rd, Fort Lauderdale
Zone boundaries published by Broward County Public Schools.
Other options for this address
Mount Bethel Christian Academy
Elementary · Private · Christian · Grades PK–7 · Fort Lauderdale
ST. Thomas Aquinas High School
High school · Private · Catholic · Grades 9–12 · Fort Lauderdale
Edith Robinson Christian Academy
High school · Private · Christian · Grades 9–12 · Fort Lauderdale
Permission To Succeed Education Center
Pre-K & Kindergarten · Private · Grades PK–12 · Port ST. Lucie
Permission To Succeed Education Center
Pre-K & Kindergarten · Private · Grades K–12 · Port ST. Lucie
The International Family Academy
Pre-K & Kindergarten · Private · Grades K–12 · Fort Lauderdale
Murl Windsor Academy At Hollywood
Pre-K & Kindergarten · Private · Grades PK–12 · Fort Lauderdale
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.

1029 NE 9th Avenue, Fort Lauderdale, FL 33304
Listed by The Keyes Company
PROGRESSO
3 bd · 2 ba · 1,278 sq ft
$595,000
View details
700 N Victoria Park Road, Fort Lauderdale, FL 33304
Listed by MLS Realty Of Weston, LLC
VICTORIA HIGHLANDS AMD PLAT
3 bd · 2 ba · 1,299 sq ft
$1,349,000
View details
2141 SW 23RD Avenue, Fort Lauderdale, FL 33312
Listed by Better Homes & Gdns RE Fla 1st
FLAMINGO PARK SEC
4 bd · 4 ba · 3,280 sq ft
$1,850,000
View details620 SW 38th Terrace, Fort Lauderdale, FL 33312
Listed by Fortuna Properties Group Inc
MELROSE PARK SEC 7
4 bd · 3 ba · 1,512 sq ft
$635,000
View details
1515 NE 16TH Street, Fort Lauderdale, FL 33304
Listed by Compass Florida LLC
Poinsettia Heights
3 bd · 3 ba · 1,710 sq ft
$675,000
View details3649 SW 16th Street, Fort Lauderdale, FL 33312
Listed by MQ Realty Group
FAIRFAX BROLLIAR ADD
3 bd · 3 ba · 1,176 sq ft
$550,000
View details