280 SW 20th Rd # 904, Miami FL 33129, MIAMI, FL, 33129
Active105 days on marketListed Apr 29, 2026MLS #A12009486
About this home
280 SW 20th Rd # 904, Miami FL 33129
Rare opportunity to own one of the largest and most flexible penthouse lofts in the area—a uniquely oversized two-level residence offering exceptional volume and design potential. This spacious 1BR/1.5BA showcases soaring ceilings, expansive living areas, and sliding glass doors that open to the balconies and bring in abundant natural light for a true loft-style feel. Two private balconies frame open city and partial bay views, while the versatile footprint can be easily reimagined or customized to fit a variety of lifestyles—ideal for an end-user seeking a distinctive home or an investor eyeing upside potential. The kitchen features stainless steel appliances, and the primary bath has been tastefully updated. Additional highlights include a walk-in closet, ample storage, and a functional two-story layout that enhances privacy and separation of spaces. Walk to Brickell's shops, restaurants, and daily conveniences—minutes from Downtown Miami, Coconut Grove, Coral Gables, and Key Biscayne, with easy highway access.
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
1,276
Sqft
1
Garage
2005
Year built
$391
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.
$4,633 /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
$4,633/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
−50.9%
$/sqft vs Miami actives
$391 vs $513
Days on market
105 vs 66 typical
Where $391/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 Coral Way
Get to know Miami. See the full Miami guide →
Coral Way — neighborhood snapshot
Population
40,864
Median age
43
Median income
$83,194
Median home value
$548,495
Avg household
2
Households w/ children
4,292
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 8% above the MIAMI 33129 median. See the full Miami market guide →
Paper trail
This home's history
Reality check
What actually sold near 280 SW 20th Rd # 904
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,385,000
2665 SW 17th Ave, Miami FL 33133
2 bd · 2 ba · 1,281 sqft · $1,081/sqft · 315 DOM
Sold · Dec ’25$1,283,000
1600 S Bayshore Ln # 4B, Miami FL 33133
2 bd · 2 ba · 1,269 sqft · $1,011/sqft · 30 DOM
Sold · Sep ’25$1,045,000
1600 S Bayshore Ln # 3A, Coconut Grove FL 33133
2 bd · 2 ba · 1,310 sqft · $798/sqft · 44 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 280 SW 20th Rd # 904 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 280 SW 20th Rd # 904 — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
280 SW 20th Rd # 904 FAQs
What would the monthly payment be for 280 SW 20th Rd # 904, Miami FL 33129?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,633/mo — principal and interest, the actual property-tax bill, the $750/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 280 SW 20th Rd # 904, Miami FL 33129?+
The association fee works out to $750 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 280 SW 20th Rd # 904, Miami FL 33129?+
The most recent tax bill on record (2025) was $6,777. 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 280 SW 20th Rd # 904, Miami FL 33129?+
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 $499,000, this home is listed about 18% below the Miami median of $610,000. The market section on this page shows how the area is trending.
Which schools are assigned to 280 SW 20th Rd # 904, Miami FL 33129?+
Coral Gables Senior High School (high), Francis S.Tucker K-8 Center (elementary), Ponce De Leon Middle School (middle), 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.
Keep looking
Similar homes nearby
Listing courtesy of The Keyes Company · Jaime Karduss Gutierrez. MLS #A12009486.
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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