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+39 photosLuxury home — 3420 Charles Avenue · Frow Homestead · Miami
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Open property magazine$1,150,000
3420 Charles Avenue, Miami, FL 33133
Miami, FL, 33133
5 bd · 2 ba · 1,344 sqft
Listed by Compass Florida, LLC
3420 Charles Avenue, Miami, FL 33133
Listed by Compass Florida, LLC
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Estimated monthly payment
$7,755/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 $7,755/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 homesSet within Coconut Grove’s historic Charles Avenue corridor, in the heart of the area now recognized as Little Bahamas, this 1930 residence presents a rare opportunity to restore and thoughtfully renovate a property with genuine cultural significance.Situated on a 5,000 SF lot and currently configured as 5 bedrooms and 2 bathrooms, the home is an opportunity to create your perfect home. The existing front porch adds a sense of character and arrival, while the lot offers room to thoughtfully enhance the property over time. Future improvements, additions, exterior changes, and other redevelopment plans may be subject to applicable historic preservation review and approvals. The property is currently tenant occupied and can remain so while future plans and permitting are pursued. The buyer will need to verify current configuration, permit history, dimensions, and any allowable improvements. There are driveways on either side of the property.For the buyer who values location, legacy, and the chance to create something meaningful within an important historic context, this is an uncommon offering in the Grove. NOTE SEVERAL PICTURES ARE VIRTUALLY STAGED TO SHOW ENDLESS POSSIBILITIES FOR THIS HOME
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 12%
The seller has come down from $1,300,000 to $1,150,000 — a $150,000 reduction since it came on the market.
203 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
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Your costs (est.)
≈ $7,755/mo
3420 Charles Avenue, Miami, FL 33133 · Miami
Location
3420 Charles Avenue, Miami, FL 33133
What buyers ask about this home
What are the estimated monthly carrying costs at 3420 Charles Avenue, Miami, FL 33133?+
Property tax (after sale): $1,419/month est.; homeowners insurance: $369/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $1,788/month est. Principal and interest: $5,967/month; PMI: $0/month. Total for the payment scenario shown: $7,755/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 3420 Charles Avenue, Miami, FL 33133?+
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 3420 Charles Avenue, Miami, FL 33133 need flood insurance, and what drives the premium?+
Most of 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 an inspection focus on for a home like 3420 Charles Avenue, Miami, FL 33133?+
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 3420 Charles Avenue, Miami, FL 33133?+
This listing has been on the market 203 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
Miami. Distinct neighborhoods, local dining and shopping, with downtown, Brickell and MiamiCentral as everyday destinations.
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 Grove Elementary School
Elementary · 0.4 mi from this home · 3351 Matilda St, Coconut Grove
Ponce De Leon Middle School
Middle school · 1.6 mi from this home · 5801 Augusto St, Coral Gables
Coral Gables Senior High School
High school · 1.1 mi from this home · 450 Bird Rd, Coral Gables
Zone boundaries published by Miami-Dade County Public Schools.
Other options for this address
ST. Stephen'S Episcopal Day School
Elementary · Private · Catholic · Grades PK–5 · Coconut Grove
Somerset Academy Charter Middle School (South Miami Campus)
Middle school · Charter · Grades 6–8 · South Miami
Carrollton School-Sacred Heart
Pre-K & Kindergarten · Private · Catholic · Grades PK–12 · 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
Interested in this property?
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