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12821 SW 147th Lane Rd, Miami, FL, 33186

3beds
2baths
1,874sqft
$649,900
$347price/sqft
$4,445/moest. monthly cost
$177,800/yrincome needed

About This Home

Centrally located, Amazing condition, three bedroom two bath, very spacious home w/ Office space that can be a 4th bedroom. Move in ready large common areas, living room, Florida room and office space (or 4th bedroom). Walk in closets, this is a great home ! very close to many shopping locations and Metro Zoo. Easy access to highways, large covered terrace and spacious back yard. Enough room for a boat on the side of the house. A Must see, call LA for appointment. ** Seller will Contribute towards buyers Closing Costs **

Getting Around

10
WalkingCar-Dependent
27
TransitSome Transit
43
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 1987

Materials

  • Roof: Shingle
  • Construction materials: CBS Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Pantry,Split Bedroom,Vaulted Ceiling(s),Volume Ceilings,Walk-In Closet(s)
  • Window features: Hurricane Shutters,Skylight(s),Blinds
  • Flooring: Ceramic Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total structure area: 2,446
  • Total interior livable area: 1,874 sqft

Property

Details

  • Parcel number: 3059230010840
  • Zoning: 0100

Features

  • Stories: 1
  • Entry location: First Floor Entry
  • Pool features: R30-No Pool/No Water
  • Exterior features: Lighting,Room For Pool
  • Fencing: Fenced
  • Has view: Yes
  • View description: None
  • Residential vegetation: Fruit Trees

Lot

  • Lot size: 7,828 sqft
  • Features: Less Than 1/4 Acre Lot

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Heat Wave
Lightning
Tsunami

FEMA Declared Disasters in Miami-Dade County and Florida

Flood
Hurricane
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,286$39,432
Home Insurance *$524$6,288
Property Taxes $438$5,256
Electricity $197$2,366
Total$4,445$53,340
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$152,400/yr
40% on housing$133,350/yr
45% on housing$118,533/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$347This listing

vs Other Active Listings

Avg $/sqft

ZIP 33186$280
Miami-Dade County$639

vs Homes Sold Last Month

Median $/sqft

ZIP 33186$355
Miami-Dade County$404

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-22Price change$699,000
2026-02-04Listed for sale$719,900

For Sale by Agent

AgentMayte Loro
BrokerageLuft Realty

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