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Fort Lauderdale area · Oakland Park, Florida · 2026

Buying a second home in Fort Lauderdale

A second home that can pay its own way, if you choose to rent it. Here is what owning one costs month to month, what a brand-new home saves you, and a checklist for owning from a distance, using two new pool homes in Oakland Park, about 20 minutes from FLL, as the worked example.

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Unit B at 3541 NE 13th Ave: private plunge pool and sun yard
Unit B's private plunge pool and sun yard, 3541 NE 13th Ave, Oakland Park.
Unit B living room at 3541 NE 13th Ave, professionally staged
Now selling · 3541 NE 13th Ave, Oakland Park

A Florida second home, brand-new and ready

Two 5-bedroom, 6-bath homes with private plunge pools, completed 2026, each on its own deed. Three minutes from Wilton Drive's restaurants, bars and nightlife, with Fort Lauderdale beach and Las Olas close by.

5 bedrooms6 full bathsPrivate plunge poolCompleted 2026
$1,485,000 each · pricing for buyers of both — ask Share
See the homes →Unit AUnit BBuy both

The math, plainly

The same figures as the Home Buyer Guide. Your lender sets the rate and terms; get your own insurance quote.

Before your mortgage · per month(est.)
HOA fee: almost all of it pays the building's hazard, wind and flood insurance; the rest is a small roof reserve~$375
Property tax, estimated on the purchase price (Florida reassesses at sale)~$2,250
Your own unit policy (HO-6: interior, contents, liability)~$333 (est.)
Before your mortgage and utilities≈ $2,960
Financing example · one homeillustration
Purchase price$1,485,000
Down payment, 20%− $297,000
Loan$1,188,000
Principal & interest, 7.00%, 30 years≈ $7,900 /mo
HOA fee, property tax and unit policy≈ $2,960 /mo
All-in a month (est.)≈ $10,860
Or put half down
Loan $742,500 · principal & interest≈ $4,940 /mo

Seller's estimates (est.), not a guarantee. The financing figures are an illustration, not a loan offer. Utilities are yours; the homes are all-electric with two new AC systems each.

Source: Home Buyer Guide, 26 Oct 2026

Run your own numbers

Pick a home, set your down payment and rate, and choose how you'll use it. The monthly cost and, if you rent it, the rental math update as you go. Every figure is an estimate.

Home $1,485,000 each
Buying both? Pricing for buyers of both: ask Share.
Down payment
Interest rate
Loan term
Rates change daily. Ask Andrew for today's rate.
How you'll use it
Weeks a year you'll use it yourself
Renting is an option, not a requirement. Choose "Second home" to see what renting the rest of the year could add.
Rental scenario estimate, not a guarantee
Management
Your unit policy (HO-6) a year
About $4,000 a year (est.), from a local agent's preliminary quote. Get a quote; enter it here. Rental use may cost more.

Your monthly cost before rental income

$0a month (est.)
Principal & interest
Property tax (est.)$2,250
HOA fee (est.)$375
Unit policy
All-in
loan amount
principal & interest a month
all-in a month, before rental income

Utilities are not included (all-electric). The homestead exemption applies if it becomes your primary residence; ask your tax adviser.

If you rent it

rent a year (gross, est.)
operating income a year, before the mortgage
left each year after the mortgage
What's included in these numbers
HOA fee: about $375 a monthAlmost all of it pays the building's hazard, wind and flood insurance; the rest is a small roof reserve. A two-owner HOA.
Property tax: about $27,000 a year (~$2,250 a month)A new-construction estimate based on the purchase price. The homestead exemption applies if it's your primary residence.
Your unit policy (HO-6): about $4,000 a year (est.)A local agent's preliminary quote for an owner-occupied policy. Your own quote depends on you; rental use may cost more.
Utilities: about $11,400 a yearAll-electric. Counted only when the home is rented.
Booking and payment costs: 8.5% blendedAcross Airbnb, Vrbo and direct bookings. Rental only.
Supplies, repairs, software and licences: about $11,300 a yearAbout $14,300 at the Top 10% level (more stays). Rental only.
Rent: about $225K a year gross, or $323K at the Top 10%What comparable pool homes nearby earn once established. Owner weeks take their share of the year out. Estimate, not a guarantee.
Not includedClosing costs, furniture, mortgage insurance, income tax, and the guest-paid cleaning fees and tourist taxes.

Estimates for illustration only, not a loan offer or a guarantee of rental income. STR-eligible, subject to licensing: each owner applies for their own City of Oakland Park licence.

Andrew SassenProducing Branch Manager, Lower · NMLS ID 925963103 NE Second Ave, Delray Beach, FL 33444

Share's favourite lender for buyers here. He meets buyers where they are.

(954) 708-4739 · asassen@lower.com · lower.com/lo/asassen
Call AndrewEmail Andrew
Talk to ShareSharon "Share" Ross, REALTOR® · The Rockstar Group, brokered by eXp Realty

561.374.4582 · Sharon@RockstarHomeGroup.com

Call ShareEmail Share

Why brand-new matters when you live somewhere else

An older house is a project you manage by phone. A new one mostly asks you to lock the door.

Impact-ratedwindows and doors throughout: nothing to put up when a storm comes
Completed 2026built to today's code; no deferred maintenance and no one else's renovation
1.68 ft abovebase flood elevation at the finished floor (flood zone AE)
Two AC systemsone per floor, plus two washer-dryer sets, so a fault never takes the whole house
240-volt EV chargerin each carport, with parking for four
Private plunge pool5 × 15 ft, with a pavers and white-gravel sun yard
Cleared to financeconfirmed lendable; conventional financing is available
A two-owner HOAyour home on its own deed; no amenities, clubhouse or management company to fund

Rent it when you're away

An option, not a requirement. Each home is STR-eligible, subject to licensing: the City of Oakland Park has confirmed in writing (letter obtained through Becker & Poliakoff) that each condominium unit can hold its own Short-Term Rental License. You would apply in your own name, pass the City's inspection and hold a Florida DBPR licence. The rules, plainly →

Comparable pool homes nearby earn about $225K a year gross once established. Keep six owner weeks a year, self-manage the rest, and about $124,000 a year is left toward the mortgage (about $84,000 with a manager). Estimate, not a guarantee.

6 weeksfor you, in the example
~$124,000a year toward the mortgage, self-managed (est.)
~$225Ka year gross: what comparable pool homes nearby earn once established
~$84,000a year with a manager (est.)

Source: Buyer Handout, 26 Oct 2026

The second-home checklist

InsuranceThe HOA fee carries the building's hazard, wind and flood policy. You buy your own unit policy (HO-6) for the interior, contents and liability: get a quote before you offer.
FloodZone AE, finished floor 1.68 ft above base flood elevation. Flood cover on the building is in force; a lender may also ask for flood cover on your unit.
HomesteadThe homestead exemption applies if the home becomes your primary residence. Ask your tax adviser how that fits your plans.
Locking upImpact-rated windows and doors mean no shutters to fit. Set the AC, arrange someone to check in after storms, and keep Broward County's hurricane pages handy.
ManagementUse it yourself only, rent it yourself, or hire a manager. If you rent, the City licence is in your name and must be renewed each year.
Getting hereAbout 20 minutes from FLL airport without traffic, and about 7 minutes from the beach.

Source: Home Buyer Guide, 26 Oct 2026 · Broward County: hurricane preparedness · City of Oakland Park: Short-Term Rentals · OpenStreetMap routing (OSRM)

3541 NE 13th Ave, Unit B · Samsung kitchen, quartz countersUnit B · Samsung kitchen, quartz counters
Virtually staged3541 NE 13th Ave, Unit A · Main suiteUnit A · Main suite
3541 NE 13th Ave, Unit B · Plunge poolUnit B · Plunge pool
3541 NE 13th Ave, Unit B · Upstairs living roomUnit B · Upstairs living room

The Home Buyer Guide (PDF)

Two pages: the homes, the monthly costs, the HOA in plain words, the financing example and how to buy.

Download the guide ↓

Questions second-home buyers ask

Straight answers, using 3541 NE 13th Ave as the example.

Can I finance a second home here?
Yes. The homes at 3541 NE 13th Ave are confirmed lendable and conventional financing is available, like any residential purchase. At 20% down, a $1,188,000 loan at 7.00% over 30 years is about $7,900 a month in principal and interest. Share can connect you with a lender.
Can I use it six weeks a year and rent the rest?
You can, if you choose to. Each home is STR-eligible, subject to the City's licensing, and you would apply in your own name. In the example, keeping six owner weeks and self-managing leaves about $124,000 a year toward the mortgage. Estimate, not a guarantee.
What is the HOA fee?
About $375 a month. Almost all of it pays the building's hazard, wind and flood insurance; the rest is a small reserve for a new roof in 15–20 years. It is a two-owner HOA: you and your neighbour.
What will insurance cost?
The building policy is inside the HOA fee. Your own unit policy (HO-6) depends on you and your use. A local agent's preliminary quote is about $4,000 a year (est.); rental use may cost more, so get your own quote.
Do I get the homestead exemption?
The homestead exemption applies if it becomes your primary residence. Ask your tax adviser.
How do closing and title work?
It is a normal residential purchase: financing welcome, a 10-day inspection period, and closing and title through Becker. Share has the contract ready.

More local guides

Wilton Manors Halloween 2026Oakland Park is risingGlenwood GardenNew construction in Oakland ParkOakland Park & Wilton Manors guideShort-term rental rules, city by cityThe parks next door3541 NE 13th Ave: the homes

Talk to Share

Share Ross, REALTOR®
Share RossSharon "Share" RossREALTOR®
561.374.4582Sharon@RockstarHomeGroup.comThe Rockstar Group, brokered by eXp Realty

Ask about 3541

Tell Share how you'd use it: a second home, an investment, or buying both. She'll send the buyer handout and set up a showing.

Email Share561.374.4582
Figures are the seller's estimates (est.) from the Home Buyer Guide and Buyer Handout of 26 October 2026, not a guarantee; the financing figures are an illustration, not a loan offer, and the rental figures are estimates that depend on season, reviews and the market. STR-eligible, subject to licensing: each owner applies for their own City licence and a Florida DBPR licence. This page is general information, not legal, tax or financial advice; speak with your own advisers. 3541 NE 13th Avenue, Units A & B, Oakland Park, FL 33334, listed by Share Ross, The Rockstar Group, brokered by eXp Realty. Equal Housing Opportunity.
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