12631 SW 28th Street, Miramar FL 33027, MIRAMAR, FL, 33027
Active47 days on marketListed Jul 2, 2026MLS #B26048602
About this home
12631 SW 28th Street, Miramar FL 33027
Beautiful lakefront 4-bedroom, 2.5-bath residence with a 2-car garage located in the gated community of Monarch Lakes in West Miramar. This well-maintained home features a dramatic two-story living room filled with natural light, tile flooring throughout the main level, and wood laminate upstairs. The functional layout includes separate living and family rooms, a breakfast area, and a formal dining space, ideal for both everyday living and entertaining. Step outside to a spacious private backyard offering mature landscaping, serene lake views, and no rear neighbors for added privacy. Situated on a quiet cul-de-sac with an expansive driveway and accordion shutters for storm protection. Conveniently located near I-75, the Florida Turnpike, and SR-826, and zoned for top-rated schools, this ho
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,497
Sqft
0.18 ac
Lot size
2
Garage
2002
Year built
2
Levels
$290
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.
$5,635 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,635/mo
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.
vs edgeAI estimate
−8.7%
$/sqft vs Miramar actives
$290 vs $321
Days on market
47 vs 44 typical
Where $290/sqft sits among the 400 Miramar 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 Monarch Lakes
Get to know Miramar. See the full Miramar guide →
Monarch Lakes — neighborhood snapshot
Population
5,623
Median age
42
Median income
$126,148
Median home value
$531,541
Avg household
3
Households w/ children
819
For the school run
Broward County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Miramar 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 263% above the MIRAMAR 33027 median. See the full Miramar market guide →
Paper trail
This home's history
Reality check
What actually sold near 12631 SW 28th Street
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$870,000
12735 SW 47th St, Miramar FL 33027
4 bd · 2.5 ba · 2,684 sqft · $324/sqft · 0 DOM
Sold · Apr ’26$760,000
4527 SW 129th Ave, Miramar FL 33027
4 bd · 2.5 ba · 2,684 sqft · $283/sqft · 253 DOM
Sold · Jul ’26$790,000
12818 SW 47th St, Miramar FL 33027
5 bd · 3 ba · 2,872 sqft · $275/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 12631 SW 28th Street — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12631 SW 28th 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.
Straight answers
12631 SW 28th Street FAQs
What would the monthly payment be for 12631 SW 28th Street, Miramar FL 33027?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,635/mo — principal and interest, the actual property-tax bill, the $183/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 12631 SW 28th Street, Miramar FL 33027?+
The association fee works out to $183 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12631 SW 28th Street, Miramar FL 33027?+
The most recent tax bill on record (2025) was $13,292. 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 12631 SW 28th Street, Miramar FL 33027?+
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 $725,000, this home is listed about 39% above the Miramar median of $519,948. The market section on this page shows how the area is trending.
Which schools are assigned to 12631 SW 28th Street, Miramar FL 33027?+
Coconut Palm Elementary School (elementary), New Renaissance Middle School (middle), Everglades High School (high) — Broward 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
$725,000 runs 263% above the MIRAMAR 33027 median — but at 2,497 sqft it's also 57% 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.
03Strong assigned schools
Coconut Palm Elementary School, New Renaissance Middle School, Everglades High School — Everglades High School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
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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