345 Ocean Dr # 303, Miami Beach FL 33139, MIAMI BEACH, FL, 33139
Active113 days on marketListed Apr 24, 2026MLS #A12000159
About this home
345 Ocean Dr # 303, Miami Beach FL 33139
Lowest Priced Unit "WITH DEEDED COVERED PARKING SPOT" in Ocean Pointe. A Gem of a Building Amongst All Others On The Beach In The "South of Fifth" Neighborhood - Directly on the Sand! With Covered Parking in the Exclusive Tier One Front Lobby Entrance Area - a $70,000 Value Alone! After 5 Years of Renovations This Building Boasts a New Heated Pool Overlooking The Atlantic Ocean, State of The Art Gymnasium, Spa Restrooms and Cedar Saunas, Locked Bicycle and Paddleboard Rooms, Sleek New Modern Lobby and a Private Beach Entrance. Well Maintained Quiet Building with 24/7 Doormen. This Unit has Moroccan Terracotta Flooring Throughout, Open Kitchen, New Hurricane-Proof Windows & Door. Enjoy the Sunsets On This Triple Sized Balcony. Beachfront Resort Style Living in the Chic "South of Fifth" Neighborhood. With a $50,000 Price Drop This is Excellent Value At This Price Point!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
659
Sqft
1
Garage
1970
Year built
$645
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.
$4,138 /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
$4,138/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
+6.7%
$/sqft vs Miami Beach actives
$645 vs $728
Days on market
113 vs 91 typical
Where $645/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 South Pointe
Get to know Miami Beach. See the full Miami Beach guide →
South Pointe — neighborhood snapshot
Population
4,221
Median age
56
Median income
$154,293
Median home value
$1,403,275
Avg household
2
Households w/ children
304
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 507% above the MIAMI BEACH 33139 median. See the full Miami Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 345 Ocean Dr # 303
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$385,000
345 Ocean Dr # 703, Miami Beach FL 33139 · same community
1 bd · 1 ba · 659 sqft · $584/sqft · 358 DOM
Sold · May ’26$475,000
Nearby listing · same community
1 bd · 1 ba · 662 sqft · $718/sqft · 82 DOM
Sold · Dec ’25$425,000
345 Ocean Dr # 605, Miami Beach FL 33139 · same community
1 bd · 1 ba · 662 sqft · $642/sqft · 154 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 345 Ocean Dr # 303 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 345 Ocean Dr # 303 — 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
345 Ocean Dr # 303 FAQs
What would the monthly payment be for 345 Ocean Dr # 303, Miami Beach FL 33139?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,138/mo — principal and interest, the actual property-tax bill, the $945/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 345 Ocean Dr # 303, Miami Beach FL 33139?+
The association fee works out to $945 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 345 Ocean Dr # 303, Miami Beach FL 33139?+
The most recent tax bill on record (2025) was $4,114. 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 345 Ocean Dr # 303, Miami Beach FL 33139?+
The listing reports pets: Restrictions Or Possible Restrictions. 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 $425,000, this home is listed about 35% below the Miami Beach median of $649,900. The market section on this page shows how the area is trending.
Which schools are assigned to 345 Ocean Dr # 303, Miami Beach FL 33139?+
Miami Beach South Pointe Elementary School (elementary), Miami Beach Senior High School (high), Miami Beach Nautilus Middle School (middle), 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
Four things that matter here
01Positioned at the premium end
$425,000 runs 507% above the MIAMI BEACH 33139 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $945/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Miami Beach South Pointe Elementary School, Miami Beach Senior High School, Miami Beach Nautilus Middle School, District Instructional Center (Dic), Instructional Center System Wide, Title I Migrant Education Program — Miami Beach South Pointe Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Realty · John McCarthy Jr.. MLS #A12000159.
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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