, SURFSIDE, FL, 33154
Active180 days on marketListed Jan 20, 2026MLS #A11949424
About this home
Spectacular direct oceanfront residence featuring 3 bedrooms, 3 bathrooms, and a spacious den. Enjoy uninterrupted ocean vistas from the Living/Dining areas and every bedroom, creating a truly immersive coastal living experience. Bright, modern interiors blend comfort with contemporary elegance, ideal for both refined entertaining and serene beachfront living. The gourmet kitchen showcases premium finishes and exceptional functionality. Ideally situated in the heart of Surfside, just a 3–5-minute walk to the world-renowned Bal Harbour Shops, gourmet restaurants, houses of worship, and luxury boutiques. The highly regarded Ruth K. Broad Bay Harbor K-8 is also within approximately a 10-minute walking distance. Located in a prestigious true oceanfront building offering full-service amenities including beach service, fitness, front desk, valet parking, and Shabbat elevator. Residents enjoy access to Surfside’s top recreational amenities, including the oceanfront Community Center with multiple pools, fitness and wellness programs, tennis facilities, and beautifully maintained parks. 6 plus-month rent terms permitted. A remarkable opportunity to enjoy the best of direct oceanfront living in one of Miami’s most coveted communities.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,600
Sqft
2
Garage
1965
Year built
$7
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$235 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$235/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Surfside actives
$7 vs $834
Days on market
180 vs 41 typical
Where $7/sqft sits among the 104 Surfside actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Surfside
Get to know Surfside. See the full Surfside guide →
The numbers that matter
The Surfside market
3 of 104
Surfside actives have cut their price
This home is listed 98% below the Surfside median. See the full Surfside market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,050,000
Nearby listing · same community
2 bd · 2 ba · 1,266 sqft · $829/sqft · 30 DOM
Sold · Sep ’25$688,140
9499 Collins Ave # 411, Surfside FL 33154 · same community
1 bd · 2 ba · 924 sqft · $745/sqft · 99 DOM
Sold · Dec ’25$1,400,000
8811 Hawthorne Ave, Surfside FL 33154
2 bd · 2 ba · 1,654 sqft · $846/sqft · 136 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Robert Holmgren
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Live availability from Robert's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
FAQs
What would the monthly payment be for ?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $235/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at ?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Surfside?+
At $10,400, this home is listed about 98% below the Surfside median of $647,500. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the Surfside market on paper
$10,400 is 98% below the Surfside median of $647,500, and at $7/sqft it sits under the Surfside average of $604.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
180 days on market against a Surfside median of 41 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $12,000, now $10,400 — a $2K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Citadel Realty · Esther Farache. MLS #A11949424.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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