Snug Harbor Homes for Sale

Snug Harbor is an age-restricted 55+ community in Miami, Miami-Dade County, Florida, governed under the Housing for Older Persons Act (HOPA). Homes are priced from $635,000 to $995,000. At least one resident per home must be 55 or older. Pure Equity lists homes in Snug Harbor and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.

Pure Equity Realty covers Snug Harbor and the Miami area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows 3 Snug Harbor Miami homes for sale as of October 2026. The median asking price is $675,000. Asking prices run from $615,000 to $959,000.

That is 6% above the Miami median of $639,000. On a per-foot basis, homes here ask about $524 per square foot, compared with $497 across Miami. So the median price buys roughly 1,300 square feet of living area.

Listings here have averaged 155 days on the market. That tracks the Miami average of 138 days, so pricing and terms follow the wider city market.

Homes listed in Snug Harbor date from 1980, so they are about 46 years old.

All of these homes predate Florida's 2002 statewide building code. So roof age, window protection and the wind mitigation report matter a great deal for insurance.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Snug Harbor includes waterfront homes. Waterfront lots in South Florida often sit in FEMA special flood hazard areas, where lenders require flood insurance. Before you commit, look up the address on the FEMA Flood Map Service Center and ask the seller for an elevation certificate.

Here is what the median Snug Harbor price means in Florida closing terms. At $675,000, a 20% down payment comes to about $135,000, leaving a loan near $540,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $1,890. Next, the intangible tax of 0.2% adds about $1,080. Buyers normally pay both at closing.

On the seller side, Miami-Dade charges deed stamps of 60 cents per $100 on a single-family home, about $4,050 at this price. Condos and other property types pay a higher rate.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.

Recent Snug Harbor listings show assignments to Paul Laurence Dunbar K-8 (elementary), Citrus Grove (middle) and Booker T. Washington (high). However, boundaries can change each year, so confirm the assignment for a specific address with Miami-Dade County Public Schools.