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+35 photosLuxury condo — 1435 E Brickell Avenue 3212 · Millennium Tower Condomin · Miami
South Florida Luxury Living
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Open property magazine$1,700,000
1435 E Brickell Avenue 3212, Miami, FL 33131
Miami, FL, 33131
2 bd · 3 ba · — sqft
Listed by New Age Properties
1435 E Brickell Avenue 3212, Miami, FL 33131
Listed by New Age Properties
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.
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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 · Jumbo loan
Jumbo loan: put down about $867,250 or more to stay conforming. What's different?
- A bigger down payment, often 10–20% or more
- A higher credit score, often 700+
- More cash reserves, often 6–12 months of payments
- Full income documentation, sometimes a second appraisal on large loans
Other options: Conforming first mortgage plus a home equity loan for the rest ("piggyback"); Portfolio or private bank loans; Cash. Each lender sets its own rules.
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $8,821/mo
- Property tax (after sale) est.
- $2,899/mo
- Homeowners insurance est.
- $708/mo
- HOA
- $4,063/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
1435 E Brickell Avenue 3212, Miami, FL 33131
Estimated cash to close est.
$374,494.84
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): $1,360,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $867,250.00 or more to stay conforming.
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.
$374,494.84
- Down payment est.
- $340,000.00
- Mortgage note documentary stamps est.
- $4,760.00
- Mortgage intangible tax est.
- $2,720.00
- 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.
- $6,825.00
- 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.
- $5,798.17
- Insurance escrow (2 months) est.
- $1,416.67
- First-year insurance premium est.
- $8,500.00
- 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)
- Not available —
- Homeowners insurance est.
- $708 / month
Source: FEMA National Flood Hazard Layer · Date checked: Not provided
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: Not available —
Source: FEMA National Flood Hazard Layer · Date checked: Not provided
- Roof type
- Not provided —
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Not provided —
- Window features
- Blinds
- Year built
- 2003
Homeowners insurance: $708 / month est.
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 homesWHY SETTLE FOR ORDINARY CONDO LIVING WHEN YOU CAN OWN THE FOUR SEASONS EXPERIENCE?Welcome to five star living at the iconic Four Seasons Miami, where luxury, convenience and investment potential meet. Perched on the 32nd floor, this 1,747-SF corner residence features 2 bedrooms, 2.5 baths, a full kitchen and generous living and dining areas.Enjoy resort style pools, fine dining, concierge services, spa facilities, INCLUDED Equinox fitness club membership and valet parking all at your fingertips.LIVE BEAUTIFULLY. EARN WHEN YOU’RE AWAY!Why own a Miami retreat that sits empty while you travel? Arrive, enjoy your private home base and the Four Seasons lifestyle, then explore rental income opportunities while you’re away. An established rental history provides insight into the property’s income potential; details available to qualified buyers. Rental use and management services are subject to applicable building rules and agreements.Ideal for a full-time resident, jet-setting owner or savvy investor. In the heart of Brickell, steps from exceptional dining, shopping and entertainment.Why simply stay at the Four Seasons when you can own the experience?
Club membership available in this community
The listing remarks mention a club or community membership.
Membership dues, initiation and waitlists are set by the club and can change — always verify with the association before writing an offer.
Building health
- Building
- MILLENNIUM TOWER CONDOMIN· MLS
- Year built
- 2003· MLS
- Stories
- 70· 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· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $4,063 / 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.)
≈ $16,491/mo
1435 E Brickell Avenue 3212, Miami, FL 33131 · Miami
Location
1435 E Brickell Avenue 3212, Miami, FL 33131
What buyers ask about this home
What are the estimated monthly carrying costs at 1435 E Brickell Avenue 3212, Miami, FL 33131?+
Property tax (after sale): $2,899/month est.; homeowners insurance: $708/month est.; HOA: $4,063/month. Fixed ownership costs before a mortgage: $7,670/month est. Principal and interest: $8,821/month; PMI: $0/month. Total for the payment scenario shown: $16,491/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 1435 E Brickell Avenue 3212, Miami, FL 33131?+
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 1435 E Brickell Avenue 3212, Miami, FL 33131 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 I check about the association before buying 1435 E Brickell Avenue 3212, Miami, FL 33131?+
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 1435 E Brickell Avenue 3212, Miami, FL 33131 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many 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 1435 E Brickell Avenue 3212, Miami, FL 33131?+
This listing has been on the market 0 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.
Chapman Partnership Early Childhood Center N
Pre-K & Kindergarten · Public · Grades PK–PK · Miami
Chapman Partnership Early Childhood Center South
Pre-K & Kindergarten · Public · Grades PK–PK · Miami
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
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Simon Gedz
Realtor® since 1995
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