Luxury home — 5425 SW 190th Avenue · Griffin 345 · Southwest Ranches
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 5425 SW 190th Avenue, Southwest Ranches, FL 33332
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$3,200,000
5425 SW 190th Avenue, Southwest Ranches, FL 33332
Southwest Ranches, FL, 33332
Listed by Keller Williams Legacy
5425 SW 190th Avenue, Southwest Ranches, FL 33332
Listed by Keller Williams Legacy
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
- $16,604/mo
- Property tax (after sale) est.
- $3,229/mo
- Homeowners insurance est.
- $1,241/mo
- HOA
- $71/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
5425 SW 190th Avenue, Southwest Ranches, FL 33332
Estimated cash to close est.
$692,962.67
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): $2,560,000.00
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.
$692,962.67
- Down payment est.
- $640,000.00
- Mortgage note documentary stamps est.
- $8,960.00
- Mortgage intangible tax est.
- $5,120.00
- 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.
- $10,575.00
- 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.
- $6,458.67
- Insurance escrow (2 months) est.
- $2,482.00
- First-year insurance premium est.
- $14,892.00
- 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 AHFlood insurance required
- Homeowners insurance est.
- $1,241 / 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: AH
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 2026
- Roof type
- Barrel
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Partial)
- Shutters
- Not provided —
- Window features
- Blinds
- Year built
- 1990
Homeowners insurance: $1,241 / month est.
- Annual premium est.
- $14,587
- Fees & taxes est.
- $305
- Annual total est.
- $14,892
- Likely range est.
- $12,658–$17,871
- Dwelling coverage est.
- $1,519,500
- Other structures est.
- $30,390
- Personal property est.
- $303,900
- Loss of use est.
- $151,950
- Hurricane deductible (2%) est.
- $30,390
The estimated rebuild cost is above the Citizens Property Insurance coverage cap for this county, so this home would need a private carrier.
Based on the listing: 4,052 sq ft · built 1990 · one story · luxury finish level.
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 · 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 homesPRIVATE SOUTHWEST RANCHES ESTATE ON 2.5 ACRES | 6 BEDROOMS + DEN | 4 BATHS | CORNER LOTDiscover the rare opportunity to own a private 2.5-acre estate in the heart of Southwest Ranches, where space, privacy, and the true Florida ranch lifestyle come together. Set on a spectacular 109,039 SF corner lot, this expansive 6-bedroom + den, 4-bath residence welcomes you through a grand circular paver driveway.Inside, a light-filled foyer opens to impressive 20+ foot volume ceilings in the main living areas, creating an exceptional sense of scale and elegance. The chef's kitchen is designed for entertaining and features luxury appliances, while marble and tile flooring flow throughout the home.Step outside and experience your own private Florida retreat, surrounded by lush tropical landscaping and generous open space. The expansive grounds provide endless possibilities for enjoying the outdoors, entertaining, gardening, equestrian living, or creating your own private farm oasis—subject to applicable Town regulations and approvals.Horses and agricultural uses are part of the unique Southwest Ranches lifestyle, with zoning regulations designed to preserve the area's rural and agricultural character.This is the best of both worlds: the privacy and freedom of a private farm estate with the convenience of being minutes from everything South Florida has to offer. A truly exceptional property in one of Broward County's most desirable rural communities. GREAT SCHOOLS !
Property Details
Dogs
Welcome here
Cats
Welcome here
5425 SW 190th Avenue, Southwest Ranches, FL 33332 · Southwest Ranches
Location
5425 SW 190th Avenue, Southwest Ranches, FL 33332
What buyers ask about this home
What are the estimated monthly carrying costs at 5425 SW 190th Avenue, Southwest Ranches, FL 33332?+
Property tax (after sale): $3,229/month est.; homeowners insurance: $1,241/month est.; HOA: $71/month. Fixed ownership costs before a mortgage: $4,541/month est. Principal and interest: $16,604/month; PMI: $0/month. Total for the payment scenario shown: $21,145/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 5425 SW 190th Avenue, Southwest Ranches, FL 33332?+
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 5425 SW 190th Avenue, Southwest Ranches, FL 33332 need flood insurance, and what drives the premium?+
Most of Southwest Ranches 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 5425 SW 190th Avenue, Southwest Ranches, FL 33332?+
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.
Is there room to negotiate on 5425 SW 190th Avenue, Southwest Ranches, FL 33332?+
This listing has been on the market 63 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 Southwest Ranches, 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
Manatee Bay Elementary School
Elementary · 1.6 mi from this home · 19200 Manatee Isles Dr, Weston
Silver Trail Middle School
Middle school · 1.8 mi from this home · 18300 Sheridan St, Southwest Ranches
West Broward High School
High school · 3.3 mi from this home · 500 Nw 209Th Ave, Pembroke Pines
Zone boundaries published by Broward County Public Schools.
Other options for this address
Franklin Academy Pembroke Pines High School
High school · Charter · Grades 6–12 · Pembroke Pines
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?
$3,200,000 · MLS A12074836
$3,200,000
5425 SW 190th Avenue
5301 SW 190th Avenue, Southwest Ranches, FL 33332
Listed by Palma Realty Group
GRIFFIN 345 PLAT
5 bd · 4 ba · 4,204 sq ft
$2,699,997
View details6110 SW 190th Avenue, Southwest Ranches, FL 33332
Listed by Coldwell Banker Realty
GRIFFIN 345 PLAT
4 bd · 4 ba · 4,645 sq ft
$2,700,000
View details5600 SW 195th Terrace, Southwest Ranches, FL 33332
Listed by Rotundo Bros Miami Real Estate
GREEN GLADES SOUTH
4 bd · 4 ba · 2,596 sq ft
$1,675,000
View details18301 SW 50th Street, Southwest Ranches, FL 33331
Listed by AG Real Estate Advisors, LLC
Rolling Oaks
4 bd · 3 ba · 3,292 sq ft
$2,750,000
View details18901 SW 63rd Street, Southwest Ranches, FL 33332
Listed by Have Mercy Real Estate Inc
GRIFFIN 345 PLAT
6 bd · 3 ba · 3,643 sq ft
$2,400,000
View details4830 SW 196th Lane, Southwest Ranches, FL 33332
Listed by Blue One Realty, LLC
GREEN GLADES
3 bd · 2 ba · 1,740 sq ft
$2,000,000
View details