Licensed Florida real estate brokerage
Buy a Home with a licensed agent in Miami Gardens, FL
Buy a Home in Miami Gardens and the surrounding area, with a licensed real-estate professional. No obligation.
Miami Gardens is an older housing market: Census data (ACS 5-year, 2022) puts the median year built at 1968, and much of the stock dates to the Carol City and Norland building boom of the 1950s and 60s. Buying here means planning around the age of the house, because insurability, roof condition, flood zone and wind features can matter as much as the floor plan. Most homes in the city are owner-occupied, so a purchase usually means dealing with an individual seller and that seller's disclosures.
A licensed real-estate professional, either Premier Real Estate Group Inc or a licensed agent we refer you to, will contact you by phone or email. They can help you search, tour, write an offer, work through the inspection period and coordinate with your lender and title company. The first consultation is free and carries no obligation.
Much of the housing here is single-story concrete block and stucco with flat or low-slope roofs, terrazzo or tile floors, carports or one-car garages, and jalousie or aluminum windows in unrenovated homes. Original galvanized hardware, aging aluminum tracks and pre-code garage doors are common and rarely rated for today's Miami-Dade High-Velocity Hurricane Zone wind standards. That ties directly to insurance cost and insurability, which depend on roof age, a four-point inspection and wind-mitigation documentation. Newer infill subdivisions and townhome communities built since the 1990s are more likely to have attached garages, impact windows and HOA or gated-entry management, so the association process may apply to them. Because Hard Rock Stadium sits in the city, buyers who might consider short-term rental use should check HOA rules and local requirements first.
What to know in Miami Gardens
Insurance on a 1960s-era home
Insurers commonly ask for a four-point inspection (roof, electrical, plumbing, HVAC) on older homes, and roof age and condition are frequently the deciding factor in whether coverage is offered at all. Talk to an insurance agent before your inspection period ends.
Wind mitigation credits
A licensed inspector can document roof-to-wall connections and impact-rated openings on the uniform mitigation form OIR-B1-1802. Older homes with jalousie or aluminum windows may have fewer qualifying features, and savings vary by insurer.
Flood zone and flood insurance
Flood zones come from FEMA maps, and a lender generally requires flood insurance in a Special Flood Hazard Area. Homes outside one can still flood, and standard homeowners policies generally exclude flood damage. Review the seller's flood disclosure (s. 689.302, F.S.).
Humidity, corrosion and moisture
Year-round humidity and a hot wet season from May through October can corrode garage door springs, hinges, gate hardware and lock cylinders, and can leave duct systems damp enough to grow mold. Ask your inspector to look closely at these items.
HOA approval in newer communities
Townhome and infill communities may have an HOA or gated-entry management. Associations may require buyer approval and estoppel certificates, so review the governing documents and budget before you commit.
Closing taxes in Miami-Dade
Miami-Dade County has its own deed rate, covered under the rules section below. Who pays each item is set by the contract and is negotiable.
How we help
- Home search by your prioritiesWe search by budget, bedrooms, commute and must-haves, and flag homes where age, roof or window type may affect insurance.
- Showings in person or by videoTour homes in Carol City, Norland, Andover and elsewhere in person or by video, with notes on the features insurers ask about.
- Written buyer agreement and offersYou will see the brokerage relationship disclosure and any written buyer agreement before we write an offer with financing and inspection provisions.
- Inspection period guidanceWe help you line up general, four-point and wind-mitigation inspections and review flood zone and insurability questions while the inspection period is running.
- HOA document reviewFor homes in an association, we help you read the governing documents, budget and rules and track any approval process.
- Lender and title coordinationWe coordinate with your lender and the title company or closing attorney through closing.
Florida rules and paperwork in Miami Gardens
In Florida, expect a brokerage relationship disclosure (transaction broker is the default unless another relationship is set in writing), possibly a buyer representation agreement, and a written purchase contract. Sellers must provide a flood disclosure (s. 689.302, F.S.) and disclose known material defects. In Miami-Dade, the documentary stamp tax on the deed is 60 cents per 100 dollars of the price, plus a surtax of 45 cents per 100 dollars when the property is not a single-family residence (s. 201.02, F.S.). A new mortgage carries documentary stamp tax of 35 cents per 100 dollars of the amount financed (s. 201.08, F.S.) and a nonrecurring intangible tax of 2 mills (s. 199.133, F.S.). Who pays each item is set by the contract and is negotiable. Try the free Florida Doc Stamp & Closing Tax Calculator at /tools/florida-closing-costs. After closing, a buyer who makes the home a primary residence can apply for the homestead exemption and Save Our Homes cap with the Miami-Dade County property appraiser, generally by March 1 of the year after moving in. Verify license status with the Florida DBPR, Division of Real Estate, and confirm requirements with your lender, insurer and a Florida attorney.
Premier Real Estate Group Inc is a licensed Florida real estate brokerage (broker license BK3314523). Verify at Florida DBPR.
Timing and next steps
Florida buyer activity is strongest from roughly January through May, and inventory choices and negotiating room often improve in the slower fall months. In Miami Gardens, hurricane season runs June through November, so insurance questions and roof or opening upgrades can compete for attention, with a pre-storm rush on garage door reinforcement, gate operators and impact hardware each spring. Timing depends on the market and your situation, and nothing here is a prediction. To get started, call (888) 440-3766 or send a request with the form on this page for a free consultation.
We also help buyers in nearby areas including Opa-locka, Miami Lakes, Hialeah, North Miami Beach, Miramar, Hollywood, Aventura and Pembroke Pines, and in Miami Gardens communities such as Carol City, Bunche Park, Norland, Andover, Lake Lucerne, Rolling Oaks, Scott Lake, Opa-locka North, Country Club and Vista Verde.
Buy a Home in Miami Gardens: common questions
- Why does the age of Miami Gardens homes matter when buying?
- Census data shows a median year built of 1968, so many homes predate current wind standards. That can affect insurance, which often hinges on roof age and condition, and a four-point inspection is commonly requested.
- Do I need flood insurance for a home in Miami Gardens?
- A lender generally requires it if the home is in a FEMA Special Flood Hazard Area, and homes outside one can still flood. Check the flood zone and the seller's flood disclosure before your inspection period ends.
- What closing taxes apply to a purchase in Miami Gardens?
- Because it is in Miami-Dade, the deed rate is 60 cents per 100 dollars of the price, plus 45 cents per 100 dollars if the property is not a single-family residence. Mortgage taxes may also apply, and who pays is negotiable in the contract.
- How do I get the homestead exemption after buying?
- Apply with the Miami-Dade County property appraiser, generally by March 1 of the year after you move in. It applies to a primary residence and caps assessment increases under Save Our Homes.
- Does a licensed agent cost me anything to talk to first?
- No. The consultation is free with no obligation. A licensed professional will contact you by phone or email.
Tell us what you're looking for — Miami Gardens
Budget, bedrooms, area and timing. A licensed real-estate professional will contact you to start the search.
Licensed brokerage
Premier Real Estate Group Inc
Broker of record Maxim Bohadana, Florida broker license BK3314523
(888) 440-3766