$8,900,0001028 88th Street, Surfside, FL 33154
Listing courtesy of Ocean Club Realty, Inc. · 305-361-2020 · BeachesMLS
Full disclosure: what this home really costs
8 of 12 answered from real sources. Anything not in the listing says so, and one tap asks Zach. Nothing here is guessed. Source: BeachesMLS listing, updated Sep 21, 2026, unless a row says otherwise.
- Price
- $8,900,000 · $2,704/sqft
- Property taxes
- $85,000/yr (2025 bill). A new owner's bill is reset from the sale price and is usually higher; Zach can pull the county estimate.
- HOA / condo fee
- Not listed - ask Zach
- What the fee covers
- Not listed - ask Zach
- Special assessments
- Not listed - ask Zach
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $5,975/yr (homeowners policy, county average). Get a real quote before you offer.Florida OIR county average with wind, data as of Mar 31 2026
- Flood zone
- Not listed - ask Zach
- Monthly payment (estimate)
- $58,429/mo: $43,839 loan + $14,092 tax + $498 insurance. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 1945 · 2 stories
- Days on market
- About 40 days
- Price history (this listing)
- Listed Sep 18, 2026.
Details
- TypeHouse
- Beds5 bd
- Baths4
- Size3,291 sqft
- Year built1945
- PoolPrivate
- WaterfrontYes: No Fixed Bridge, Bayfront
- ViewBay
- NeighborhoodSECOND AMD PLAT OF NORMAN
- ZIP33154
- MLS #A12091897
- To the beachAbout 0.6 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Build your masterpiece in Surfside. Prime 10,000 Square foot waterfront lot with direct ocean access and no fixed bridges. This highly coveted street is experiencing a massive luxury boom with gorgeous, ultra luxury modern mansions currently being built, all around. While you design and permit your custom architectural masterpiece, capitalize on continuous rental cashflow. The existing 5 bedroom 4 bath pool home features 20 foot ceilings, open floor plan with lots of light, lots of closet space, travertine and wood floors throughout and a spacious dock with shore power and beautiful sunset views. Build the ultimate estate, walking distance to the beach, houses of worship, Billionaire enclave: Indian Creek Island and Bal harbor Shops, all while zoned for the Top rated A+ Ruth K. Broad Bay Harbor School district. Rarely do these lots with these views become available.
Monthly payment calculator
Estimate, not a loan offer. Tax default: the higher of the seller's bill and about 1.9% of price (Florida resets a new owner's assessment). Insurance default: Florida OIR county average with wind, data as of Mar 31 2026. Rate is an assumption; your lender sets the real one. Zach doesn't take lender or title referral fees.
Florida risk facts
- Flood zone
- Not checked yet. Look it up on FEMA's map or ask Zach.
- Wind and building code
- Built in 1945, before the statewide Florida Building Code took effect in 2002. Ask for the wind mitigation report; it can lower insurance. My Safe Florida Home offers free inspections and grants when funded.
- Disclosure
- Florida sellers must give you a flood disclosure about known flood damage, insurance claims and federal assistance (§689.302).
We don't show crime scores or rate neighborhoods. Every listing is open to everyone.
Start an offer
- Pre-approval letter or proof of funds (cash)
- The price you'd offer and your deposit
- Financing type and closing date
- Inspection period you want (often 10-15 days)
- A signed buyer agreement with Zach (Florida practice before touring or offering)
Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.
Ask Zach anything
One tap opens a text with this address filled in.
Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM.
From finding it to the keys, one agent
- Find it
Every home for sale and rent from the MLS, with the real monthly cost. Or tell Zach what you want and he looks for you. - Tour it
Same day when the listing side allows, in person or live video. - Afford it
Real Florida costs up front: taxes, HOA, insurance, flood zone, assessments. Buyers: pre-approval with a lender you choose. Renters: your renter résumé and documents in one place. - Make the offer or apply
Zach writes the offer or the application, negotiates, and handles the association approval. - Close or get the keys
Zach tracks every deadline through inspections, condo documents and closing or lease signing, then stays your agent after.
Report a problem with this listing
Wrong price, already sold, wrong photos, or something that looks like a scam copy? This goes straight to Zach, who fixes or escalates it within 2 business days.
Never send a deposit by Zelle, Cash App, wire or crypto, and never before you've seen the home with a licensed agent.
Chat with Zach
Zach typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.
Your messages go to Zach only. Reply STOP anytime and he won't follow up again.
Listing courtesy of Ocean Club Realty, Inc. · 305-361-2020 · BeachesMLS
All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright ©2026 BeachesMLS, Inc. Listing data last updated Oct 27, 2026, 4:51 PM ET. Listing information is deemed reliable but not guaranteed. zach.homes estimates and Zach's notes are shown separately from MLS data and labeled with their source.