645 NE 77th St # 6, Miami FL 33138, MIAMI, FL, 33138
Active353 days on marketListed Aug 26, 2025MLS #A11865627
About this home
645 NE 77th St # 6, Miami FL 33138
The perfect spot when you think of Miami living , Quaint 2 story gated complex with pool and parking and on canal leading to intracoastal. This much sought after Miami upper eastside location has amazing proximity to all the hot spots Miami has to offer. This is the a nice size studio with large kitchen and recently renovated bath. Saltillo tile floors through out unit. Unit currently tenant occupied. Appointments with minimum 24 hour advance notice
Facts & features
The home at a glance
0
Bedrooms
1
Bathrooms
360
Sqft
1953
Year built
$472
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.
$1,944 /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
$1,944/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.
$/sqft vs Miami actives
$472 vs $511
Days on market
353 vs 66 typical
Where $472/sqft sits among the 400 Miami 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 Upper Eastside
Get to know Miami. See the full Miami guide →
Upper Eastside — neighborhood snapshot
Population
14,642
Median age
43
Median income
$80,911
Median home value
$854,030
Avg household
2
Households w/ children
1,433
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 market
$508K → $590K
Miami median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
36 of 400
Miami actives have cut their price
Median sold price, Miami, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% below the MIAMI 33138 median. See the full Miami market guide →
Paper trail
This home's history
Reality check
What actually sold near 645 NE 77th St # 6
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$290,000
8101 Biscayne Blvd # 513, Miami FL 33138
0 bd · 1 ba · 534 sqft · $543/sqft · 33 DOM
Sold · May ’26$220,000
650 NE 64th St # G506, Miami FL 33138
0 bd · 1 ba · 571 sqft · $385/sqft · 182 DOM
Sold · Mar ’26$180,000
880 NE 69th St # 14H, Miami FL 33138
0 bd · 1 ba · 580 sqft · $310/sqft · 57 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 645 NE 77th St # 6 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 645 NE 77th St # 6 — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
645 NE 77th St # 6 FAQs
What would the monthly payment be for 645 NE 77th St # 6, Miami FL 33138?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,944/mo — principal and interest, the actual property-tax bill, the $525/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 645 NE 77th St # 6, Miami FL 33138?+
The association fee works out to $525 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 645 NE 77th St # 6, Miami FL 33138?+
The most recent tax bill on record (2025) was $2,200. 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 645 NE 77th St # 6, Miami FL 33138?+
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?+
At $169,999, this home is listed about 72% below the Miami median of $610,000. The market section on this page shows how the area is trending.
Which schools are assigned to 645 NE 77th St # 6, Miami FL 33138?+
Morningside K-8 Academy (elementary), District Instructional Center (Dic) (), Horace Mann Middle School (middle), Booker T. Washington Senior High (high), 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
Five things that matter here
01Under the MIAMI 33138 market on paper
$169,999 is 48% below the MIAMI 33138 median of $329,950, and at $472/sqft it sits under the Miami average of $651.
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 $525/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
353 days on market against a Miami median of 66 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Morningside K-8 Academy, District Instructional Center (Dic), Horace Mann Middle School, Booker T. Washington Senior High, Instructional Center System Wide, Title I Migrant Education Program — Morningside K-8 Academy rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Eastside R.E. Investments LLC · Ernesto Seda. MLS #A11865627.
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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