Listing courtesy of Miami Waterfront Realty · BeachesMLS
$4,199,00013305 Biscayne Island Terrace, North Miami, FL 33181
Listing courtesy of Beachfront Realty Inc · 305-534-4242 · BeachesMLS
Full disclosure: what this home really costs
9 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 Nov 1, 2026, unless a row says otherwise.
- Price
- $4,199,000 · $1,314/sqft
- Property taxes
- $46,805/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 $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 29, 2026
- Monthly payment (estimate)
- $30,052/mo: $22,893 loan + $6,648 tax + $511 insurance. 20% down, 7.24% rate (Freddie Mac, week of October 29, 2026), 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 1971 · 1 story
- Days on market
- About 147 days
- Price history (this listing)
- Originally listed at $4,799,000; last price change Sep 4, 2026; listed Jun 8, 2026. Down $600,000.
Details
- TypeHouse
- Beds4 bd
- Baths3
- Size3,195 sqft
- Year built1971
- Parking2 garage
- PoolPrivate
- WaterfrontYes: No Fixed Bridge, Ocean Access, Canal Front, No Fixed Bridges
- ViewBay, Canal
- FurnishedUnfurnished
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodKEYSTONE ISLAND NO 5
- ZIP33181
- MLS #A12032670
- To the beachAbout 1.5 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
*MOTIVATED SELLER* Deeded Dock for BIG YATCHS plus a 24,000lbs BOAT LIFT, located in Island 5, “the most desirable island in Keystone Point”. Experience the ultimate South Florida waterfront lifestyle in this beautifully renovated canal-front residence. Situated on an oversized 15,000± SF lot with direct ocean access and no fixed bridges, this exceptional property is a true boater’s dream, FIVE MINUTES AWAY FROM HAULOVER SANDBAR AND HALOUVER OCEAN ACCESS.Offering 4 bedrooms, 3 full baths, and nearly 3,200 SF of living space, the home features abundant natural light, and a seamless open layout designed for both comfortable living and entertaining. Parking for 10 vehicles. High-impact windows and sliding glass doors provide peace of mind while showcasing beautiful water views throughout.The resort-style backyard is highlighted by a sparkling pool overlooking the canal, creating the perfect setting for outdoor dining, relaxing, and enjoying Miami’s year-round sunshine. Whether departing by boat for a day on the water or entertaining guests poolside, this home delivers an unmatched waterfront lifestyle.Ideally located close to Bal Harbour, Aventura, Sunny Isles Beach, world-class shopping and fine dining. Opportunities to own a move-in-ready waterfront home with an oversized lot and unrestricted ocean access are increasingly rare. A truly exceptional property where luxury, boating, privacy, and location come together in one remarkable offering. Located within the highly desirable gated community of Keystone Point, this beautifully renovated waterfront residence offers a rare combination of luxury, privacy, and direct boating access. Positioned on an oversized approximately 15,000-square-foot lot, the property enjoys direct ocean access with no fixed bridges, making it ideal for boating enthusiasts seeking unrestricted navigation to Biscayne Bay and the Atlantic Ocean.The residence features four bedrooms and three full bathrooms with approximately 2,927 square feet of adjusted living area and 3,195 square feet of total living area. The thoughtfully designed floor plan provides a seamless flow between living, dining, family, and outdoor entertainment spaces, maximizing both comfort and functionality.Recent renovations have enhanced the home’s appeal while maintaining a timeless elegance. Ceramic flooring extends throughout the interior, creating a sophisticated and cohesive aesthetic. Large impact-rated windows and sliding glass doors provide abundant natural li
Monthly payment calculator
Rate: 7.24% 30-year fixed average (Freddie Mac, week of October 29, 2026). Your own rate may differ; you can change it here.
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 29, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1971, 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
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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
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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 Nov 2, 2026, 6:06 AM 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.