12909 SW 64th Ln, Miami FL 33183, MIAMI, FL, 33183
Active17 days on marketListed Jul 2, 2026MLS #A12047280
About this home
12909 SW 64th Ln, Miami FL 33183
Beautifully updated 2-bedroom, 2-bathroom townhouse in the desirable Sunset Harbour community. This move-in ready home features impact windows, a beautifully updated kitchen with quartz countertops and a farmhouse drop sink, modern finishes throughout, renovated bathrooms, laminate flooring, a new washer and dryer, and a new roof replaced at the end of 2024. Enjoy a bright, open layout and a private fenced patio perfect for relaxing or entertaining. Conveniently located near shopping, dining, top-rated schools, parks, and major highways, with access to community amenities including a pool, tennis courts, basketball courts, clubhouse, and playground. A wonderful opportunity to own in one of the area's most desirable communities.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,199
Sqft
1989
Year built
$384
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.
$3,496 /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
$3,496/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
+9%
$/sqft vs Miami actives
$384 vs $491
Days on market
17 vs 26 typical
Where $384/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 Sunset Harbour
Get to know Miami. See the full Miami guide →
Sunset Harbour — neighborhood snapshot
Population
2,279
Median age
46
Median income
$101,943
Median home value
$364,147
Avg household
3
Households w/ children
188
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
$495K → $560K
Miami median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
44 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 100% above the MIAMI 33183 median. See the full Miami market guide →
Paper trail
This home's history
Reality check
What actually sold near 12909 SW 64th Ln
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$410,000
12873 SW 65th Ter, Miami FL 33183 · same community
2 bd · 2.5 ba · 1,170 sqft · $350/sqft · 98 DOM
Sold · Feb ’26$460,000
6481 SW 129th Ave, Miami FL 33183 · same community
2 bd · 2 ba · 1,170 sqft · $393/sqft · 24 DOM
Sold · Jun ’26$455,000
12849 SW 65th St, Miami FL 33183 · same community
2 bd · 2.5 ba · 1,170 sqft · $389/sqft · 55 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
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12909 SW 64th Ln — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12909 SW 64th Ln — 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
12909 SW 64th Ln FAQs
What would the monthly payment be for 12909 SW 64th Ln, Miami FL 33183?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,496/mo — principal and interest, the actual property-tax bill, the $95/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 12909 SW 64th Ln, Miami FL 33183?+
The association fee works out to $95 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12909 SW 64th Ln, Miami FL 33183?+
The most recent tax bill on record (2025) was $3,951. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Miami?+
At $460,000, this home is listed about 8% below the Miami median of $500,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12909 SW 64th Ln, Miami FL 33183?+
Howard D. McMillan Middle School (middle), Miami Sunset Senior High School (high), Royal Green Elementary School (elementary), Instructional Center System Wide (), Title I Migrant Education Program (), District Instructional Center (Dic) () — Dade County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of Iconic Miami Realty · Ana Gonzalez. MLS #A12047280.
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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