2445 Lake Pancoast Dr # J, Miami Beach FL 33140, MIAMI BEACH, FL, 33140
Active159 days on marketListed Mar 12, 2026MLS #A11982219
About this home
2445 Lake Pancoast Dr # J, Miami Beach FL 33140
Great investment opportunity- new tenant through July 2027. Enjoy the best of South Beach in this beautiful studio located in a charming, tree-lined neighborhood just across the walking bridge from the ocean. This bright second-floor residence offers peaceful water views and the privacy of no upstairs neighbors, fully equipped open kitchen with desirable gas range & dishwasher, great closet space and central a/c. The well-maintained waterfront building already passed the recertification and features a dedicated parking lot, sparkling pool, beautifully landscaped barbecue and picnic areas, and is set along the water—perfect for relaxing or entertaining. Ideally located on a quiet street in the heart of South Beach, yet just steps to the beach, dining, shopping, and everything the area has to offer. A rare opportunity to own in a peaceful waterfront setting just moments from the ocean and all the energy of South Beach.
Facts & features
The home at a glance
0
Bedrooms
1
Bathrooms
400
Sqft
1956
Year built
1
Levels
$738
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,799 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,799/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+33.4%
$/sqft vs Miami Beach actives
$738 vs $728
Days on market
159 vs 91 typical
Where $738/sqft sits among the 394 Miami Beach actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bayshore
Get to know Miami Beach. See the full Miami Beach guide →
Bayshore — neighborhood snapshot
Population
3,848
Median age
39
Median income
$136,874
Median home value
$1,296,558
Avg household
2
Households w/ children
301
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Miami Beach market
$285K → $525K
Miami Beach median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
19 of 394
Miami Beach actives have cut their price
Median sold price, Miami Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% below the MIAMI BEACH 33140 median. See the full Miami Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 2445 Lake Pancoast Dr # J
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$315,000
1052 Ocean Dr # C405, Miami Beach FL 33139
0 bd · 1 ba · 406 sqft · $776/sqft · 1 DOM
Sold · Jun ’26$290,000
1052 Ocean Dr # C407, Miami Beach FL 33139
0 bd · 1 ba · 389 sqft · $746/sqft · 83 DOM
Sold · Feb ’26$150,000
1060 Pennsylvania Ave # 4, Miami Beach FL 33139
0 bd · 1 ba · 380 sqft · $395/sqft · 25 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2445 Lake Pancoast Dr # J — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2445 Lake Pancoast Dr # J — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2445 Lake Pancoast Dr # J FAQs
What would the monthly payment be for 2445 Lake Pancoast Dr # J, Miami Beach FL 33140?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,799/mo — principal and interest, the actual property-tax bill, the $495/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2445 Lake Pancoast Dr # J, Miami Beach FL 33140?+
The association fee works out to $495 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2445 Lake Pancoast Dr # J, Miami Beach FL 33140?+
The most recent tax bill on record (2025) was $3,328. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2445 Lake Pancoast Dr # J, Miami Beach FL 33140?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Miami Beach?+
At $295,000, this home is listed about 55% below the Miami Beach median of $649,450. The market section on this page shows how the area is trending.
Which schools are assigned to 2445 Lake Pancoast Dr # J, Miami Beach FL 33140?+
Miami Beach Senior High School (high), Miami Beach Nautilus Middle School (middle), North Beach Elementary School (elementary), District Instructional Center (Dic) (), Instructional Center System Wide (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the MIAMI BEACH 33140 market on paper
$295,000 is 24% below the MIAMI BEACH 33140 median of $389,500, and at $738/sqft it sits under the Miami Beach average of $1,073.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Miami Beach Senior High School, Miami Beach Nautilus Middle School, North Beach Elementary School, District Instructional Center (Dic), Instructional Center System Wide, Title I Migrant Education Program — North Beach Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of The Keyes Company · Danell Van Orden. MLS #A11982219.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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