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10445 SW 226th St, Miami, FL, 33190

5beds
3baths
3,256sqft
$699,900
$215price/sqft
$4,453/moest. monthly cost
$178,120/yrincome needed

About This Home

Spacious 5BR/3BA two-story residence offering 3,726 total sq ft in the highly desirable Enclave at Black Point Marina. This well-designed floor plan features a convenient first-floor bedroom and full bath, ideal for guests, multigenerational living, or a home office. Bright open living and dining areas flow into a large kitchen equipped with stainless steel appliances, wood cabinetry, and a breakfast nook. The second floor features an oversized primary suite with walk-in closet, along with three additional bedrooms. Tile and laminate flooring throughout. Enjoy outdoor living with a screened enclosure, fenced backyard, and renovated flame-safe certified Tiki hut—perfect for entertaining. Additional highlights include impact front and garage doors, automatic garage opener, two A/C units (one replaced on 2022), gutters, and low HOA fees of $80/month. Conveniently located near Black Point Marina, Homestead Air Reserve Base, hospitals, shopping, parks, schools, and major highways. Easy to show.

Getting Around

15
WalkingCar-Dependent
32
TransitSome Transit
52
BikeBikeable

Schools

3/10
Goulds Elementary SchoolGrades PK-50.8 mi
5/10
Cutler Bay MiddleGrades 6-82.2 mi

Construction

Condition

  • Year built: 2013

Materials

  • Roof: Curved/S-Tile Roof
  • Construction materials: Concrete Block Construction

Type & Style

  • Home type: SingleFamily
  • Architectural style: Mediterranean
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Microwave,Electric Range,Refrigerator,Self Cleaning Oven,Washer
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Pantry,Walk-In Closet(s)
  • Window features: Partial Accordian Shutters,Partial Panel Shutters/Awnings,Hurricane Shutters,Blinds
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Ceiling Fan(s),Central Air,Electric

Interior Area

  • Total structure area: 3,726
  • Total interior livable area: 3,256 sqft

Property

Details

  • Parcel number: 3060170230530
  • Zoning: 0102

Features

  • Stories: 2
  • Entry location: First Floor Entry
  • Pool features: R30-No Pool/No Water
  • Patio & porch: Patio,Screened Porch
  • Fencing: Fenced
  • Has view: Yes
  • View description: Lake
  • Has water view: Yes
  • Water view: Lake

Lot

  • Lot size: 5,000 sqft
  • Features: Less Than 1/4 Acre Lot

Parking

  • Total spaces: 2
  • Parking features: Driveway,Paver Block,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

  • Coastal Flooding
    Coastal FloodingModerate
  • Cold Wave
    Cold WaveModerate
  • Hurricane
    HurricaneModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Cold Wave
Hurricane
Heat Wave
Inland Flooding
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 $3,539$42,468
Home Insurance *$197$2,364
Property Taxes $390$4,680
Electricity $327$3,932
Total$4,453$53,436
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$152,674/yr
40% on housing$133,590/yr
45% on housing$118,746/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

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 33190$218
Miami-Dade County$639

vs Homes Sold Last Month

Median $/sqft

ZIP 33190$308
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
2026-05-12Price change$700,000
2026-02-22Listed for sale$730,000
2026-02-21Listing removed$730,000
2025-11-19Price change$730,000
2025-10-11Price change$745,000
2025-08-23Price change$759,900
2025-07-29Listed for sale$769,900
2020-11-18Sold$435,000
2020-08-28Pending sale$435,000
2020-08-05Listed for sale$435,000
2013-04-09Sold$295,000

For Sale by Agent

AgentIris Quinones-Gonzalez
BrokerageCorporeal Realty Corporation

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