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
$1,945,0008943 Hawthorne Avenue, Surfside, FL 33154
Listing courtesy of Compass Florida, LLC · 305-315-2396 · 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 19, 2026, unless a row says otherwise.
- Price
- $1,945,000 · $500/sqft
- Property taxes
- $16,671/yr (2026 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)
- $13,158/mo: $9,581 loan + $3,080 tax + $498 insurance. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 2026 · 2 stories
- Days on market
- About 9 days
- Price history (this listing)
- Listed Oct 19, 2026.
Details
- TypeHouse
- Beds7 bd
- Baths5.5
- Size3,893 sqft
- Year built2026
- PoolPrivate
- NeighborhoodSECOND AMD PLAT OF NORMAN
- ZIP33154
- MLS #A12107956
- To the beachAbout 0.5 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
8943 Hawthorne Ave presents a rare opportunity to build a stunning modern residence in the heart of Surfside, offering 4,009 SF of thoughtfully designed space w/ the unique ability to personalize the home by selecting your own finishes and materials.With approved plans, this exceptional new construction project is designed to feature 7 BR's & 5.5 BA's, combining contemporary architecture w/ spacious, thoughtfully designed living areas.The ground level offers 3 BR's, expansive living & dining areas. The spacious kosher chef’s kitchen is designed w/ a 72-inch fridge/freezer, an island, and a breakfast area overlooking the backyard & pool. The private outdoor retreat features a large covered patio w/ a pergola, a BBQ area & a spacious pool, perfect for both entertaining & everyday relaxation.The 2nd flr features 4 BR's, a comfortable lounge area, laundry rm & 4 terraces. The luxurious primary suite includes an expansive walk-in closet & a windowed spa-inspired BR w/ a soaking tub, separate shower & double-sink vanity.Ideally situated in one of Surfside’s most desirable blks, this property is w/in a striking distance to the tot lot, tennis & basketball courts, Surfside Community Center & pools, and the beach w/ complimentary beach services for Surfside residents. Just moments from local dining, Bal Harbour Shops & houses of worship, this is an outstanding opportunity to create a custom luxury residence in one of Miami’s most sought-after coastal communities.
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 2026, 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.
Similar homes in Surfside
Text Zach
3D tour
$1,925,000
9524 Byron Avenue, Surfside 33154
Est. $13,028/mo with 20% down
Listing courtesy of GuildStone Group LLC · BeachesMLS
Price cut $150K3D tour
$1,500,000
8934 Harding Avenue, Surfside 33154
Est. $10,262/mo with 20% down
Listing courtesy of The Brokerage South Florida Real Estate, LLC. · BeachesMLS
Price cut $400K3D tour
$2,295,000
301 88th Street, Surfside 33154
Est. $15,436/mo with 20% down
Listing courtesy of KD Prime Properties International, LLC · BeachesMLS
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 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.