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+55 photosAerial View — 3121 NE 51st Street 204e · Heritage Landings Condo · Fort Lauderdale
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Open property magazine$440,000
3121 NE 51st Street 204e, Fort Lauderdale, FL 33308
Fort Lauderdale, FL, 33308
2 bd · 2 ba · 1,300 sqft
Listed by LoKation
3121 NE 51st Street 204e, Fort Lauderdale, FL 33308
Listed by LoKation
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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 · Conforming loan
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $2,283/mo
- Property tax (after sale) est.
- $560/mo
- Insurance included in HOA
- $0/mo
- HOA
- $1,150/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
3121 NE 51st Street 204e, Fort Lauderdale, FL 33308
Estimated cash to close est.
$97,806.50
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): $352,000.00Conforming loan
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.
$97,806.50
- Down payment est.
- $88,000.00
- Mortgage note documentary stamps est.
- $1,232.00
- Mortgage intangible tax est.
- $704.00
- 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.
- $2,275.00
- 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.
- $1,120.50
- Insurance escrow (2 months) est.
- $0.00
- First-year insurance premium est.
- $0.00
- 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.
- $0 / 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: Nov 4, 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: Nov 4, 2026
- Roof type
- Composition
- Roof year
- 2025 (per listing remarks)
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Bay Window(S)
- Year built
- 1966
Homeowners insurance: $0 / month est.
Association insurance is included in the stated HOA fee. Confirm separate unit-owner coverage with an 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 homes"Experience the very best of coastal living in desirable Lauderdale by the Sea, perfectly tailored for beach lovers and boating enthusiasts alike. This remodeled, open floor plan concept residence offers approximately 1,300 square feet of light-filled living space, featuring 2 spacious bedrooms and 2 updated bathrooms, all ideally located on the canal with water views just 600 Ft from the Intracoastal. The thoughtfully upgraded kitchen features white shaker cabinetry, granite countertops, stainless steel appliances, and the added convenience of an in-unit washer and dryer. The primary suite enjoys picturesque water views and a generous walk-in, custom closet. Boaters will appreciate the direct ocean access with no fixed bridges, along with available boat slips at an exceptional value. Boat Experience luxury waterfront living in the heart of Fort Lauderdale. This beautifully renovated residence offers stunning wide water views, dockage available up to 50', and direct ocean access with no fixed bridges — a true boater's dream, Pet Friendly community. Property showcases premium finishes, upscale materials, and sophisticated coastal elegance throughout. Enjoy seamless indoor-outdoor living while being just moments from fine dining, shopping, entertainment, and the beach. The unit has been pre-inspected and includes a one-year home warranty for added buyer confidence. Building inspections have been completed, reserves paid and updated, providing peace of mind and exceptional value. Whether you're seeking a primary residence, seasonal retreat, or luxury waterfront investment, this move-in-ready opportunity delivers the ultimate South Florida lifestyle. Reserves have been paid current building reserve is funded. All Certification and SIRS have been completed, with recent community upgrades: New Elevators, Dock, Pool and AC water towers, new roof 2025. New LG Washer Dryer Combo, AC, and Tankless Hot Water Heater. Seller offering a flooring allowance at closing.
Building health
- Building
- Heritage Landings· MLS
- Year built
- 1966· MLS
- Stories
- 4· 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, Pet Restrictions Possible· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $1,150 / 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.)
≈ $3,993/mo
3121 NE 51st Street 204e, Fort Lauderdale, FL 33308 · Fort Lauderdale
Location
3121 NE 51st Street 204e, Fort Lauderdale, FL 33308
Dock & Draft Match™
Dock / slip — ask about dock
Boat fit not verified. Confirm dock length, depth, bridges and ocean access before buying.
One home, every check
Dock & Draft Match™ brings this home's dock length, low-water depth, every bridge, the ocean run, frontage and yacht size together in one place. Estimate only, not guaranteed. Verify before you buy or sell.
What buyers ask about this home
What are the estimated monthly carrying costs at 3121 NE 51st Street 204e, Fort Lauderdale, FL 33308?+
Property tax (after sale): $560/month est.; homeowners insurance: $0/month est.; HOA: $1,150/month. Fixed ownership costs before a mortgage: $1,710/month est. Principal and interest: $2,283/month; PMI: $0/month. Total for the payment scenario shown: $3,993/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 3121 NE 51st Street 204e, Fort Lauderdale, FL 33308?+
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 3121 NE 51st Street 204e, Fort Lauderdale, FL 33308 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 I check about the association before buying 3121 NE 51st Street 204e, Fort Lauderdale, FL 33308?+
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 3121 NE 51st Street 204e, Fort Lauderdale, FL 33308 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Fort Lauderdale 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 3121 NE 51st Street 204e, Fort Lauderdale, FL 33308?+
This listing has been on the market 2 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
Pompano Beach Middle School
Middle school · 3.3 mi from this home · 310 Ne 6Th St, Pompano Beach
Zone boundaries published by Broward County Public Schools.
Other options for this address
Shepherd Of The Coast Lutheran School
Elementary · Private · Christian · Grades K–8 · Fort Lauderdale
New Generation Montessori Children'S Academy
Elementary · Private · Grades PK–PK · Pompano Beach
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
Lighthouse Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades 4–12 · Oakland Park
Millennium Leadership Christian Academy Inc
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Parkland
Ameribelge Center For Education
Pre-K & Kindergarten · Private · Grades PK–11 · Fort Lauderdale
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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