David Ramirez
Short-Term Rental Eligible
$1,895,0005 bd4.5 ba4,264 sqft$444 /sqft$12,480 /mo all-in ↓

4135 SW 186th Way, Miramar FL 33029, MIRAMAR, FL, 33029

Active44 days on marketListed Jul 1, 2026MLS #A12046275

WaterfrontSingle Family ResidenceSUNSET LAKES PLAT TWO,Sunset Lakes

About this home

4135 SW 186th Way, Miramar FL 33029

Exquisitely appointed lakefront estate in the prestigious community of Sunset Lakes, offering breathtaking, unobstructed water views from a private, beautifully landscaped lot. This spacious residence features 5 bedrooms plus a dedicated office or optional 6th bedroom, 4.5 baths, and a 3-car garage. Meticulously maintained and thoughtfully upgraded, this home offers a new roof, gutters, and fresh exterior paint completed in 2022, elegant paver driveway and walkways, refreshed landscaping in 2026, and a brand-new saltwater heated pool and spa completed in 2024. The freshly painted interior showcases refined finishes throughout, including marble flooring on the main level, new engineered hardwood flooring in the office and three bedrooms, and hardwood flooring along the staircase and upper level. The large kitchen opens to the family room and features quality countertops, crown molding, spacious cabinetry, a butler’s pantry, and a built-in desk area near the breakfast nook for added convenience. The expansive primary suite offers stunning lake views and a professionally designed, spa-inspired primary bath fully renovated in 2026. Additional features include smart locks and a smart garage door system. This is a rare opportunity to own a luxury, turnkey waterfront residence in one of South Florida’s most sought-after gated communities, offering resort-style amenities and an exceptional lifestyle.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

4,264

Sqft

3

Garage

2002

Year built

$444

Per sqft

WaterfrontLake & Pool & Water view

Inside

FlooringMarble
AppliancesDishwasher · Dryer · Electric Range · Electric Water Heater · Microwave · Refrigerator · Washer
InteriorFirst Floor Entry · Closet Cabinetry · Other · Pantry · 3 Bedroom Split · Volume Ceilings · Walk-In Closet(s) · Family Room · Utility Room/Laundry
LaundryUtility Room/Laundry
CoolingCentral Air · Electric
HeatingCentral · Electric

Outside & construction

RoofBarrel Roof
ConstructionCBS Construction
ViewLake · Pool · Water
FacesSouthwest
ParkingDriveway · Paver Block
ExteriorOther

Community & fees

HOA fee$310/mo
Taxes (2025)$12,889/yr
CommunityClubhouse · Exercise Room · Gated Community

Utilities & systems

WaterMunicipal Water

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.

$12,480 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,225
PMI (est., until 20% equity)$711
Property tax — 2025 actual bill$1,074
HOA fee — from the listing$310
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $189,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $189,500
Interest rate6.00%
Loan term

Estimated payment

$12,480/mo

Principal & interest$10,225
PMI (est., until 20% equity)$711
Property taxes (actual bill)$1,074
HOA / condo fee$310
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $1.9M
$1.2MedgeAI estimate $1,398,335 · range $1.3M$1.7M$2.0M

vs edgeAI estimate

+35.5%

$/sqft vs Miramar actives

$444 vs $320

Days on market

44 vs 44 typical

Where $444/sqft sits among the 400 Miramar actives

101
78
100
47
35
39 · this home
$240–276$276–312$312–348$348–384$384–420$420+

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.

The investor lens

Two ways this home pays

This home sits inside Sunset Lakes, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunitySunset Lakes
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,649/mo median

MarketMiramar
Annual gross at median$31,788
Gross yield on this price1.7%
Homes for rent right now243

Live Miramar rental listing data — this home’s rate depends on size, condition and furnishing.

Where it sits

Inside Sunset Lakes

Map of 4135 SW 186th Way, Miramar FL 33029 inside its neighborhood boundary

Sunset Lakes is a short-term-rental community. See the full guide →

Sunset Lakes — neighborhood snapshot

Population

6,049

Median age

36

Median income

$201,836

Median home value

$757,747

Avg household

3

Households w/ children

895

For the school run

Broward County School District

ElementarySunset Lakes Elementary School★★★★
HighEverglades High School★★★★
MiddleGlades Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Miramar market

Seller’s marketLeans buyer9.4 months of inventoryBuyer’s market

$1.3M$580K

Miramar median sold, yr/yr

96.3%

Sale-to-list ratio (12 mo)

33 of 400

Miramar actives have cut their price

Median sold price, Miramar, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 181% above the MIRAMAR 33029 median. See the full Miramar market guide →

Paper trail

This home's history

Jul 1, 2026Listed at $1,895,000 · 44 days on market since
2002Built · SUNSET LAKES PLAT TWO,Sunset Lakes

Reality check

What actually sold near 4135 SW 186th Way

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2791 SW 190th Ave, Miramar FL 33029Sold · Dec ’25

$760,000

2791 SW 190th Ave, Miramar FL 33029 · same community

4 bd · 3 ba · 2,314 sqft · $328/sqft · 32 DOM

4724 SW 195th Way, Miramar FL 33029Sold · May ’26

$1,845,000

4724 SW 195th Way, Miramar FL 33029

6 bd · 4.5 ba · 4,264 sqft · $433/sqft · 11 DOM

4194 SW 189th Ave, Miramar FL 33029Sold · May ’26

$2,000,000

4194 SW 189th Ave, Miramar FL 33029

6 bd · 4.5 ba · 4,264 sqft · $469/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4135 SW 186th Way — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4135 SW 186th Way — 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.

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Straight answers

4135 SW 186th Way FAQs

What would the monthly payment be for 4135 SW 186th Way, Miramar FL 33029?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,480/mo — principal and interest, the actual property-tax bill, the $310/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 4135 SW 186th Way, Miramar FL 33029?+

The association fee works out to $310 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4135 SW 186th Way, Miramar FL 33029?+

The most recent tax bill on record (2025) was $12,889. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 4135 SW 186th Way, Miramar FL 33029 be rented short-term?+

Yes — this home sits inside Sunset Lakes, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

How does the price compare to other homes in Miramar?+

At $1,895,000, this home is listed about 264% above the Miramar median of $519,948. The market section on this page shows how the area is trending.

Which schools are assigned to 4135 SW 186th Way, Miramar FL 33029?+

Sunset Lakes Elementary School (elementary), Everglades High School (high), Glades Middle School (middle) — Broward 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

$1,895,000 runs 181% above the MIRAMAR 33029 median — but at 4,264 sqft it's also nearly 3 times the size of the typical Miramar listing.

02Zoned for nightly rentals

Sunset Lakes is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

04Strong assigned schools

Sunset Lakes Elementary School, Everglades High School, Glades Middle School — Sunset Lakes Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of Real Broker LLC · Sandra Rathe. MLS #A12046275.

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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