$9,250,00012685 N Bayshore Drive, North Miami, FL 33181
Listing courtesy of Miami Waterfront Realty · 305-970-2884 · 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 Oct 20, 2026, unless a row says otherwise.
- Price
- $9,250,000 · $1,505/sqft
- Property taxes
- $17,370/yr (2024 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 $6,136/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
- Zone AE: high-risk flood area, base flood elevation 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 27, 2026
- Monthly payment (estimate)
- $60,720/mo: $45,563 loan + $14,646 tax + $511 insurance. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 2025 · 3 stories
- Days on market
- About 712 days
- Price history
- Not listed - ask Zach
Details
- TypeHouse
- Beds6 bd
- Baths8
- Size6,146 sqft
- Year built2025
- Parking2 garage
- PoolPrivate
- WaterfrontYes: No Fixed Bridge, Canal Front
- ViewBay, Canal
- NeighborhoodKEYSTONE ISLAND NO 3
- ZIP33181
- MLS #A11693544
- To the beachAbout 1.9 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Discover this top-of-the-line, ultra-smart home in Keystone Point’s gated Millionaire’s Row. Built by a renowned local builder w/impeccable detail, this 6BR/8BA custom home w/finest finishes. Breaking ground Summer ’25 & completing Fall ’26, buyers can still customize. Designed for luxury living, this home includes a private elevator, spacious service quarters w/direct entrance, and a large playroom/theater room for entertainment. The open floor plan, high ceilings, 2-car garage enhance both elegance and functionality. Enjoy 75 ft. of water frontage, stunning canal views, and fast ocean access—just minutes to open waters. Perfect for a luxurious waterfront lifestyle, this home blends elegance, security, & convenience. Don’t miss this rare opportunity to customize and create your dream home
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
- Zone AE: high-risk flood area. A FEMA Special Flood Hazard Area (about a 1% chance of flooding each year). Lenders require flood insurance for federally backed mortgages here. Source: FEMA National Flood Hazard Layer, checked Oct 27, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2025, after 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 Miami Waterfront Realty · 305-970-2884 · 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.