3D tour
$13,750,000
1982 NE 119th Road, North Miami 33181
Est. $97,253/mo with 20% down incl. HOA
Listing courtesy of Property Pro Partners, LLC. · BeachesMLS
$16,495,00013395 Biscayne Bay Drive, North Miami, FL 33181
Listing courtesy of Compass Florida, LLC · 305-315-2396 · 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 Oct 31, 2026, unless a row says otherwise.
- Price
- $16,495,000 · $2,494/sqft
- Property taxes
- $75,708/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 10 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Nov 1, 2026
- Monthly payment (estimate)
- $116,558/mo: $89,930 loan + $26,117 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
- 1980 · 2 stories
- Days on market
- About 18 days
- Price history (this listing)
- Listed Oct 15, 2026.
Details
- TypeHouse
- Beds6 bd
- Baths5.5
- Size6,613 sqft
- Year built1980
- Parking2 garage
- PoolPrivate
- WaterfrontYes: Canal Front, No Fixed Bridges
- ViewBay, Canal
- NeighborhoodKEYSTONE ISLAND NO 5
- ZIP33181
- MLS #A12031686
- To the beachAbout 1.3 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
A Rare Biscayne Bay Waterfront Estate | 300 Feet of Water Frontage.Set on an extraordinary half-acre point-like setting in the gated Keystone Islands, this exceptional estate offers approximately 300 feet of water frontage and sweeping panoramic views across Biscayne Bay.With 6,613 square feet of living space and 8,025 total square feet, the six-bedroom residence combines expansive entertaining areas, walls of glass, elegant finishes, and seamless indoor–outdoor living.Resort-style grounds feature a waterfront pool, expansive terraces, tropical landscaping, and a private dock with direct boating access and no fixed bridges.Just minutes from Bal Harbour, this is an exceptionally rare opportunity to own a substantial waterfront property defined by privacy, scale, and extraordinary bay views.The interiors further enhance the home’s exceptional setting, creating living experience that takes full advantage of its remarkable positioning. Rich marble and wood flooring, custom built-ins, and walls of glass fill the interiors with natural light while framing spectacular water views throughout.An extraordinary combination of location, scale, and waterfront living, this estate presents a truly rare offering in one of Miami’s most coveted waterfront communities.
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 Nov 1, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1980, 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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Zach will reply as soon as he can.
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.
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Listing courtesy of Compass Florida, LLC · 305-315-2396 · 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 Nov 1, 2026, 7:36 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.