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646 NE 81st St, Miami, FL, 33138

4beds
5baths
3,530sqft
$2,450,000
$694price/sqft
$19,081/moest. monthly cost
$763,240/yrincome needed

About This Home

Private gated English Tudor estate on a rare 17,000+ SF triple lot in Miami’s coveted Upper East Side. Offering more than 3,500 square feet of living space, this beautifully renovated residence blends timeless architectural character with modern upgrades and expansive outdoor living. Recent improvements include wide-plank European flooring throughout, impact windows and doors, a new inverter A/C system, and a renovated chef’s kitchen featuring Sub-Zero refrigeration, a six-burner gas range with double ovens, and a distinctive poured-concrete floor. Original Tudor details and a classic fireplace add warmth and character throughout the home. Designed for the South Florida lifestyle, a spacious covered patio overlooks the heated glass-tiled saltwater pool, creating the perfect setting for entertaining and year-round enjoyment. Lush tropical landscaping and producing mango, avocado and coconut trees create a private, resort-like setting. Adding remarkable flexibility, the detached, fully independent two-story guest house offers more than 700 square feet of additional living space with its own entrance, full kitchen, bedroom, 1.5 bathrooms, laundry, and separate living area, ideal for guests, extended family, a private office, gym, creative studio, or income-producing opportunity. Close to the Design District and Wynwood, this rare offering combines privacy, space, character, and convenience in one of Miami’s most desirable neighborhoods. A Beautiful Miami Home! Make It Rein!

Getting Around

93
WalkingWalker's Paradise
51
TransitGood Transit
56
BikeBikeable

Schools

Construction

Condition

  • Year built: 1925

Materials

  • Roof: Other,Shingle
  • Construction materials: CBS Construction

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Microwave,Oven,Washer
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 5
  • Full bathrooms: 3
  • 1/2 bathrooms: 2

Features

  • Entrance Foyer,Other,Pantry,Split Bedroom,Volume Ceilings,Cottage,Separate Guest/In-Law Quarters,Maid/In-Law Quarters,Storage
  • Door features: High Impact Doors,French Doors
  • Window features: Complete Impact Glass,Blinds,Drapes,High Impact Windows,Impact Glass
  • Flooring: Concrete,Tile,Wood
  • Fireplace: Yes
  • Attic: Pull Down Stairs

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,530 sqft

Property

Details

  • Parcel number: 0132070161910
  • Zoning: 0100

Features

  • Stories: 2
  • Entry location: First Floor Entry,Foyer
  • Private pool: Yes
  • Pool features: In Ground,Pool Only
  • Patio & porch: Awning(s),Deck,Open Porch
  • Exterior features: Lighting
  • Has spa: Yes
  • Fencing: Fenced
  • Has view: Yes
  • View description: Garden,Pool
  • Residential vegetation: Fruit Trees

Lot

  • Lot size: 0.39 Acres
  • Features: 1/2 To Less Than 3/4 Acre Lot,Cul-De-Sac

Parking

  • Total spaces: 6
  • Parking features: Detached Carport,Additional Spaces Available,Driveway,Guest,Paver Block,Slab/Strip,Garage Door Opener,Garage Apartment
  • Covered spaces: 6
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 6

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Cold Wave
Heat Wave
Lightning
Tsunami

FEMA Declared Disasters in Miami-Dade County and Florida

Flood
Hurricane
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $12,388$148,656
Home Insurance *$2,320$27,840
Property Taxes $4,018$48,216
Electricity $355$4,263
Total$19,081$228,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$654,205/yr
40% on housing$572,430/yr
45% on housing$508,826/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$694This listing

vs Other Active Listings

Avg $/sqft

ZIP 33138$693
Miami-Dade County$639

vs Homes Sold Last Month

Median $/sqft

ZIP 33138$740
Miami-Dade County$404

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-08Listed for sale$2,450,000
2019-06-20Sold$755,000
2019-05-03Pending sale$825,000
2019-04-25Price change$825,000
2019-04-04Listed for sale$850,000
2019-03-20Pending sale$850,000
2019-02-28Price change$850,000
2019-01-16Price change$950,000
2018-09-17Price change$998,000
2018-08-13Listed for sale$1,098,000
2011-12-27Sold$372,500
2011-07-10Price change$399,000
2011-03-03Price change$449,000
2011-01-27Price change$469,900
2009-11-12Price change$579,000
2009-10-10Listed for sale$799,000
2009-04-03Listing removed$785,000
2009-01-16Listed for sale$785,000
2002-03-05Sold$332,000
2000-03-14Sold$205,000
1996-05-17Sold$160,000

For Sale by Agent

AgentKathrin Rein
BrokerageKeller Williams Miami Beach

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