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815 NE 76th St, Miami, FL, 33138

4beds
4baths
3,309sqft
$6,500,000
$1,964price/sqft
$49,959/moest. monthly cost
$1,998,360/yrincome needed

About This Home

Fully renovated waterfront residence in the gated community of Belle Meade, set on one of the highest elevation lots in the neighborhood. Positioned above current flood requirements and eligible for a favorable flood certificate, offering a rare advantage for waterfront ownership in Miami. Completed in 2020, this fully permitted renovation included all new electrical, plumbing, and structural upgrades. The home features a new roof, dual HVAC systems, tankless water heaters, buried FPL power lines, and hurricane impact windows and doors throughout. The interior showcases a custom Italkraft kitchen with Sub-Zero and Wolf appliances including convection oven, steam oven, warming drawer, and wine storage. Natural stone finishes, a custom wood bar, and spa-style bathrooms with Hansgrohe fixtures elevate the design. Smart home features include Lutron lighting, Cat 5 wiring, and a multi-zone Sonos sound system inside and out. Outdoor living is equally impressive with a saltwater pool, electric heater, outdoor kitchen, and professionally landscaped grounds. The new composite dock includes a 27,000 lb boat lift & 76 feet of water frontage, power, water, and lighting, ideal for boaters. Turnkey, high-elevation waterfront living in one of Miami’s most sought-after gated enclaves.

Getting Around

79
WalkingVery Walkable
48
TransitSome Transit
51
BikeBikeable

Schools

9/10
Morningside K-8 AcademyGrades PK-80.8 mi
3/10
5/10

Construction

Condition

  • Year built: 2020

Materials

  • Roof: Aluminum
  • Construction materials: Concrete Block Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Electric Water Heater,Ice Maker,Microwave
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Bar,Built-in Features,Closet Cabinetry,Kitchen Island,Storage
  • Door features: High Impact Doors
  • Flooring: Ceramic Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,309 sqft

Property

Details

  • Parcel number: 0132070350050
  • Zoning: 0100

Features

  • Stories: 1
  • Entry location: First Floor Entry
  • Private pool: Yes
  • Pool features: In Ground,Fenced,Heated
  • Patio & porch: Awning(s),Patio
  • Exterior features: Barbecue,Built-in Barbecue,Lighting
  • Has spa: Yes
  • Has view: Yes
  • View description: Bay,Canal
  • Has water view: Yes
  • Water view: Bay,Canal
  • On waterfront: Yes
  • Waterfront features: Ocean Access,Canal Front,No Fixed Bridges,WF/Pool/Ocean Access
  • Frontage length: 76

Lot

  • Lot size: 0.30 Acres
  • Features: 1/4 To Less Than 1/2 Acre Lot

Parking

  • Total spaces: 2
  • Parking features: Attached Carport,Circular Driveway,Covered
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: Yes
  • Carport spaces: 2

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 $32,867$394,404
Home Insurance *$6,156$73,872
Property Taxes $10,603$127,236
Electricity $333$3,996
Total$49,959$599,508
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,712,880/yr
40% on housing$1,498,770/yr
45% on housing$1,332,240/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

$1,964This listing

vs Other Active Listings

Avg $/sqft

ZIP 33138$680
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
2026-04-24Listed for sale$6,975,000
2025-09-23Listing removed$21,000
2025-08-26Listed for rent$21,000
2025-08-25Listing removed$21,000
2025-07-16Listed for rent$21,000
2017-06-07Sold$1,079,000
2017-05-16Pending sale$1,250,000
2017-03-28Listed for sale$1,250,000
2011-04-19Sold$660,000
2011-02-11Price change$699,000
2010-07-02Price change$869,000
2010-02-18Listed for sale$895,000
1998-10-01Sold$262,500
1994-06-09Sold$175,000

For Sale by Agent

AgentJason Sims
BrokerageSerhant

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