David Ramirez
$750,000$775,0004 bd2.5 ba2,463 sqft$305 /sqft$5,134 /mo all-in ↓

18144 SW 20th Street, Miramar FL 33029, MIRAMAR, FL, 33029

Active105 days on marketListed May 6, 2026MLS #B26024935

Reduced $25KWaterfrontPrivate poolSingle Family ResidenceSILVER LAKES PHASE III,Coconut Bay

About this home

18144 SW 20th Street, Miramar FL 33029

Stunning 4 Bed / 2.5 Bath lakefront home filled with natural light and soaring ceilings upon entry. The first floor features an oversized primary suite with a spacious bathroom and ample closet space. Enjoy a large open-concept kitchen and expansive living areas, perfect for entertaining. Step outside to a spectacular backyard patio with serene lake views. Upstairs offers three additional bedrooms and a full bath. Additional highlights include a new roof (2025), A/C (2023), hurricane protection, and low HOA.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,463

Sqft

0.15 ac

Lot size

2

Garage

1995

Year built

2

Levels

$305

Per sqft

Private poolWaterfrontBay & Lake & Water & Bay View & Lake View viewPets allowed

Inside

FlooringCarpet · Ceramic Floor · Tile · Wood
AppliancesDishwasher · Dryer · Ice Maker · Microwave · Electric Range · Refrigerator · Washer
InteriorBuilt-in Features · Closet Cabinetry · French Doors · Vaulted Ceiling(s) · Volume Ceilings · Florida Room
CoolingCeiling Fan(s) · Central Air · Paddle Fans
HeatingElectric

Outside & construction

RoofBarrel · Tile · Barrel Roof · Tile Roof
ConstructionCBS Construction · Stucco
ViewBay · Lake · Water · Bay View · Lake View
FacesEast
Parking2 Or More Spaces · Awning · Covered · Driveway · Guest · No Boats · Parking Garage
ExteriorBarbeque

Community & fees

HOA fee$234/mo
Taxes (2025)$4,946/yr
PetsYes
CommunityTennis · Exercise Room · Maintained Community · Mandatory Hoa · Picnic Area · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Cable Available · Electricity Available · Phone Available · Sewer Available · Water Available
WaterPublic

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.

$5,134 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property tax — 2025 actual bill$412
HOA fee — from the listing$234
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $75,000Loan30-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% · $75,000
Interest rate6.00%
Loan term

Estimated payment

$5,134/mo

Principal & interest$4,047
PMI (est., until 20% equity)$281
Property taxes (actual bill)$412
HOA / condo fee$234
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 $750K
$684KedgeAI estimate $757,976 · range $713K$846K$880K

vs edgeAI estimate

−1.1%

$/sqft vs Miramar actives

$305 vs $321

Days on market

105 vs 44 typical

Where $305/sqft sits among the 400 Miramar actives

101
77 · this home
100
47
35
40
$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.

Where it sits

Inside Silver Lakes

Map of 18144 SW 20th Street, Miramar FL 33029 inside its neighborhood boundary

Get to know Miramar. See the full Miramar guide →

Silver Lakes — neighborhood snapshot

Population

16,862

Median age

43

Median income

$169,489

Median home value

$569,224

Avg household

3

Households w/ children

2,016

For the school run

Broward County School District

ElementarySilver 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)

34 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 11% above the MIRAMAR 33029 median. See the full Miramar market guide →

Paper trail

This home's history

CurrentPrice reduced to $750,000 $25K
May 6, 2026Listed at $775,000 · 105 days on market since
1995Built · SILVER LAKES PHASE III,Coconut Bay

Reality check

What actually sold near 18144 SW 20th Street

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

18033 SW 20th St, Miramar FL 33029Sold · Nov ’25

$568,400

18033 SW 20th St, Miramar FL 33029 · same community

3 bd · 2 ba · 1,843 sqft · $308/sqft · 72 DOM

3360 SW 195th Ter, Miramar FL 33029Sold · Apr ’26

$899,000

3360 SW 195th Ter, Miramar FL 33029

4 bd · 2.5 ba · 2,506 sqft · $359/sqft · 31 DOM

3310 SW 192nd Ave, Miramar FL 33029Sold · May ’26

$905,000

3310 SW 192nd Ave, Miramar FL 33029

4 bd · 2.5 ba · 2,506 sqft · $361/sqft · 31 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 18144 SW 20th Street — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 18144 SW 20th Street — 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

18144 SW 20th Street FAQs

What would the monthly payment be for 18144 SW 20th Street, Miramar FL 33029?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,134/mo — principal and interest, the actual property-tax bill, the $234/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 18144 SW 20th Street, Miramar FL 33029?+

The association fee works out to $234 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 18144 SW 20th Street, Miramar FL 33029?+

The most recent tax bill on record (2025) was $4,946. 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 18144 SW 20th Street, Miramar FL 33029?+

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 Miramar?+

At $750,000, this home is listed about 44% above the Miramar median of $519,900. The market section on this page shows how the area is trending.

Which schools are assigned to 18144 SW 20th Street, Miramar FL 33029?+

Silver 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

Five things that matter here

01Positioned at the premium end

$750,000 runs 11% above the MIRAMAR 33029 median — but at 2,463 sqft it's also 55% larger than the typical Miramar 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

105 days on market against a Miramar median of 44 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

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

05The price has already moved

Listed at $775,000, now $750,000 — a $25K cut. The full history is in the market section below.

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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