10124 SW 228th Ter, Miami FL 33190, MIAMI, FL, 33190
Active114 days on marketListed Apr 20, 2026MLS #A12003763
About this home
10124 SW 228th Ter, Miami FL 33190
PROPERTY PRICED TO SELL!!! Beautiful lakefront townhome located in the highly desirable Crystal Cay community. This well-maintained property offers a spacious open-concept layout, modern finishes, and serene water views—perfect for both relaxing and entertaining. Featuring 3 bedrooms and 2.5 bathrooms, this home provides comfort, functionality, and abundant natural light throughout. Enjoy a low HOA and a vibrant community lifestyle with amenities including a swimming pool, fitness center, children's play area, and dog park. Ideally located near scenic bike and walking trails leading to Black Point Marina, perfect for outdoor enthusiasts. Conveniently located near major highways, shopping, dining, and schools. A great opportunity to own in one of South Miami-Dade’s fastest-growing communities. EASY TO SHOW! Book your showings today!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,587
Sqft
2021
Year built
$251
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.
$3,642 /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
$3,642/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
−12.8%
$/sqft vs ENCLAVE SOUTH PHASE 2
$251 vs $316
Days on market
114 vs 66 typical
Where $251/sqft sits among the 11 homes for sale in ENCLAVE SOUTH PHASE 2
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 Miami
Get to know Miami. See the full Miami guide →
MIAMI 33190 — neighborhood snapshot
Population
17,280
Median age
35.1
Median income
$75,876
Median home value
$371,200
Avg household
3.13
Households w/ children
2,484
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)
1 of 11
ENCLAVE SOUTH PHASE 2 have cut their price
Median sold price, Miami, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the MIAMI 33190 median. See the full Miami market guide →
Paper trail
This home's history
Reality check
What actually sold near 10124 SW 228th Ter
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$390,000
10031 SW 228th Ter, Miami FL 33190 · same community
3 bd · 2.5 ba · 1,587 sqft · $246/sqft · 47 DOM
Sold · Dec ’25$435,000
10103 SW 231st Ln, Miami FL 33190 · same community
3 bd · 2.5 ba · 1,544 sqft · $282/sqft · 37 DOM
Sold · Nov ’25$452,000
9925 SW 228th Ter, Miami FL 33190 · same community
3 bd · 2.5 ba · 1,539 sqft · $294/sqft · 73 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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 10124 SW 228th Ter — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10124 SW 228th Ter — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
10124 SW 228th Ter FAQs
What would the monthly payment be for 10124 SW 228th Ter, Miami FL 33190?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,642/mo — principal and interest, the actual property-tax bill, the $252/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 10124 SW 228th Ter, Miami FL 33190?+
The association fee works out to $252 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10124 SW 228th Ter, Miami FL 33190?+
The most recent tax bill on record (2025) was $8,457. 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 10124 SW 228th Ter, Miami FL 33190?+
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 $399,000, this home is listed about 35% below the Miami median of $610,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10124 SW 228th Ter, Miami FL 33190?+
Goulds Elementary School (elementary), Cutler Bay Middle (middle), Miami Southridge Senior High (high), Title I Migrant Education Program (), Instructional Center System Wide (), District Instructional Center (Dic) () — Dade 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
$399,000 runs 18% above the MIAMI 33190 median — but at 1,587 sqft it's also 32% larger than the typical Miami listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $445,000, now $399,000 — a $46K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Eagle Realty of South Florida · Paola Soto. MLS #A12003763.
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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