20478 NW 4th Ct, Miami Gardens FL 33169, MIAMI GARDENS, FL, 33169
Active114 days on marketListed Apr 27, 2026MLS #A12008795
About this home
20478 NW 4th Ct, Miami Gardens FL 33169
WOW Welcome to the former model home (2023) of this boutique gated community—selected as the showcase residence for having the best lot and premium view in the entire development. This exceptional 3-bedroom, 2.5-bath townhouse offers 1,595 SqFt of thoughtfully designed living space, featuring a 1-car garage plus a brick-paved driveway accommodating two additional vehicles. The open-concept layout highlights a modern kitchen with quartz countertops, stainless steel appliances, tile flooring, elegant light fixtures, and expensive special window treatments throughout. The home also includes accordion shutters and a built-in Smart Home system for added convenience and security. As the original model home, this property enjoys a prime lot with enhanced privacy and an ideal backyard setting, fully fenced and finished with pavers—perfect for entertaining and enjoying beautiful sunset views. Located within an exclusive gated community of only 113 homes, residents benefit from resort-style amenities including a fitness center, pool, and clubhouse. Flexible financing options available—purchase with as little as 3.5% down (FHA, conventional, or down payment assistance programs).
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,595
Sqft
1
Garage
2022
Year built
$345
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.
$4,858 /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
$4,858/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
+15.1%
$/sqft vs Miami Gardens actives
$345 vs $352
Days on market
114 vs 36 typical
Where $345/sqft sits among the 261 Miami Gardens 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 Andover
Get to know Miami Gardens. See the full Miami Gardens guide →
Andover — neighborhood snapshot
Population
655
Median age
33
Median home value
$357,362
Avg household
3
Households w/ children
87%
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 Gardens market
$524K → $500K
Miami Gardens median sold, yr/yr
99.0%
Sale-to-list ratio (12 mo)
18 of 261
Miami Gardens actives have cut their price
Median sold price, Miami Gardens, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 305% above the MIAMI GARDENS 33169 median. See the full Miami Gardens market guide →
Paper trail
This home's history
Reality check
What actually sold near 20478 NW 4th Ct
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$590,000
620 NW 194th St, Miami Gardens FL 33169
3 bd · 2 ba · 1,627 sqft · $363/sqft · 85 DOM
Sold · Dec ’25$549,000
19245 NW 12th Ave, Miami Gardens FL 33169
4 bd · 2 ba · 1,561 sqft · $352/sqft · 140 DOM
Sold · Feb ’26$549,000
601 NW 187th St, Miami Gardens FL 33169
4 bd · 2 ba · 1,530 sqft · $359/sqft · 13 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 20478 NW 4th Ct — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20478 NW 4th Ct — 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
20478 NW 4th Ct FAQs
What would the monthly payment be for 20478 NW 4th Ct, Miami Gardens FL 33169?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,858/mo — principal and interest, the actual property-tax bill, the $458/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 20478 NW 4th Ct, Miami Gardens FL 33169?+
The association fee works out to $458 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20478 NW 4th Ct, Miami Gardens FL 33169?+
The most recent tax bill on record (2025) was $9,112. 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 20478 NW 4th Ct, Miami Gardens FL 33169?+
The listing reports pets: Yes. 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 Gardens?+
At $550,000, this home is listed about 5% above the Miami Gardens median of $523,999. The market section on this page shows how the area is trending.
Which schools are assigned to 20478 NW 4th Ct, Miami Gardens FL 33169?+
Andover Middle School (middle), Norland Elementary School (elementary), Miami Norland Senior High School (high), 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
01Positioned at the premium end
$550,000 runs 305% above the MIAMI GARDENS 33169 median — but at 1,595 sqft it's also 17% larger than the typical Miami Gardens listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
114 days on market against a Miami Gardens median of 36 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Brokers, LLC · Marianela Bracho. MLS #A12008795.
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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