Price cut $296K3D tour
$1,599,000
8950 Harding Avenue, Surfside 33154
Est. $10,906/mo with 20% down
Listing courtesy of London Foster Realty · BeachesMLS
$1,500,0008934 Harding Avenue, Surfside, FL 33154
Listing courtesy of The Brokerage South Florida Real Estate, LLC. · 786-509-6846 · 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 Aug 26, 2026, unless a row says otherwise.
- Price
- $1,500,000 · $1,265/sqft
- Property taxes
- $16,658/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 $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)
- $10,262/mo: $7,389 loan + $2,375 tax + $498 insurance. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 1935 · 1 story
- Days on market
- About 237 days
- Price history (this listing)
- Originally listed at $1,650,000; last price change Aug 26, 2026; listed Mar 5, 2026. Down $150,000.
Details
- TypeHouse
- Beds3 bd
- Baths2
- Size1,186 sqft
- Year built1935
- PoolPrivate
- ViewPool
- Laundryin-unit
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodSECOND AMD PLAT OF NORMAN
- ZIP33154
- MLS #A11971937
- To the beachAbout 0.2 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Charming beach house in Surfside just steps from the ocean, offering the ideal blend of comfort, privacy, and coastal living. This 3 bedroom, 2 bathroom home features an open living and dining area with high ceilings, hurricane impact windows and doors, and abundant natural light. The kitchen has been updated with new countertops, and the primary bathroom has been renovated. Updated electrical and fresh interior paint contribute to a truly move-in-ready home.The spacious, private backyard includes a heated pool, creating an ideal setting for relaxing, entertaining, and year-round enjoyment. Ideally located near the Surfside Community Center, Bal Harbour Shops, and top dining, with convenient access to both Miami International and Fort Lauderdale airports.
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 1935, 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 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.
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Listing courtesy of The Brokerage South Florida Real Estate, LLC. · 786-509-6846 · 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 28, 2026, 3:53 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.