1201 20th St # 401, Miami Beach FL 33139, MIAMI BEACH, FL, 33139
Active37 days on marketListed Jul 10, 2026MLS #A12046593
About this home
1201 20th St # 401, Miami Beach FL 33139
Beautifully furnished, 3-bedroom residence at Palau Sunset Harbour. Best line in the building with NW corner exposure and expansive wrap-around terrace. This expansive terrace is unique to the 4th floor in terms of size offering outdoor dining and living along the tranquil waterway. Modern, white finishes paired with porcelain flooring throughout. Open floor plan featuring waterfront master bedroom + walk-in closet, large walk-in pantry and laundry room. Guest bedrooms feature walk-in closets and en suite baths. Palau offers full-service amenities with rooftop pool, fitness center, 24-hour front desk and valet. Enjoy the best of Miami Beach with a variety of restaurants, shopping and fitness studios at your doorstep. PROPERTY AVAILABLE UNTIL JANUARY 4TH, 2027.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
1,959
Sqft
3
Garage
2016
Year built
$7
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$258 /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
$258/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Beach actives
$7 vs $728
Days on market
37 vs 91 typical
Where $7/sqft sits among the 394 Miami Beach 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 Bayshore
Get to know Miami Beach. See the full Miami Beach guide →
Bayshore — neighborhood snapshot
Population
3,848
Median age
39
Median income
$136,874
Median home value
$1,296,558
Avg household
2
Households w/ children
301
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 Beach market
$285K → $525K
Miami Beach median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
19 of 394
Miami Beach actives have cut their price
Median sold price, Miami Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 81% below the MIAMI BEACH 33139 median. See the full Miami Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 1201 20th St # 401
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$2,115,000
1201 20th St # 304, Miami Beach FL 33139 · same community
2 bd · 2.5 ba · 1,440 sqft · $1,469/sqft · 82 DOM
Sold · Nov ’25$750,000
1201 20th St # 313, Miami Beach FL 33139 · same community
1 bd · 1.5 ba · 701 sqft · $1,070/sqft · 230 DOM
Sold · Dec ’25$1,625,000
1024 Lenox Ave # 4, Miami Beach FL 33139
4 bd · 3.5 ba · 2,120 sqft · $767/sqft · 58 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1201 20th St # 401 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1201 20th St # 401 — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1201 20th St # 401 FAQs
What would the monthly payment be for 1201 20th St # 401, Miami Beach FL 33139?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $258/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1201 20th St # 401, Miami Beach FL 33139?+
The listing reports pets: No. 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 Beach?+
At $13,500, this home is listed about 98% below the Miami Beach median of $649,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1201 20th St # 401, Miami Beach FL 33139?+
Miami Beach Senior High School (high), Miami Beach Nautilus Middle School (middle), North Beach Elementary School (elementary), 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.
The brief
Three things that matter here
01Under the MIAMI BEACH 33139 market on paper
$13,500 is 81% below the MIAMI BEACH 33139 median of $70,000, and at $7/sqft it sits under the Miami Beach average of $1,073.
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
Miami Beach Senior High School, Miami Beach Nautilus Middle School, North Beach Elementary School, District Instructional Center (Dic), Instructional Center System Wide, Title I Migrant Education Program — North Beach Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Douglas Elliman · Joseph Schafer. MLS #A12046593.
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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