885 NE 76th St, Miami FL 33138, MIAMI, FL, 33138
Active156 days on marketListed Mar 9, 2026MLS #A11971541
About this home
885 NE 76th St, Miami FL 33138
Experience elevated waterfront living in the gated community of Belle Meade. This expansive residence offers 6 bedrooms, 5.5 bathrooms, and a fully enclosed office, providing a spacious and flexible layout ideal for both everyday living and entertaining. Situated on 61 feet of prime waterfront, the property features a new seawall and a private boat dock with direct ocean access and no fixed bridges, making it a true boater’s retreat. Its location offers exceptional privacy and minimal boat traffic, creating a peaceful waterfront setting rarely found in Miami. The home’s 12-foot ceilings and expansive living areas create a bright, open atmosphere, complemented by high-end finishes throughout. The chef’s kitchen is appointed with Sub-Zero and Wolf appliances, custom MiaCucina cabinetry, and an oversized island with built-in seating and storage, designed for both functionality and gathering. Outdoor living is equally impressive, featuring a covered lounge with summer kitchen overlooking the saltwater pool and spa, and a private interior courtyard perfect for relaxing or entertaining year-round, creating a true indoor-outdoor lifestyle. Additional features include a permanent generator and two-car garage with two additional driveway parking spaces. Home is offered unfurnished; photos have been virtually staged.
Facts & features
The home at a glance
6
Bedrooms
5.5
Bathrooms
5,111
Sqft
2
Garage
2021
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.
$414 /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
$414/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 Miami actives
$7 vs $513
Days on market
156 vs 66 typical
Where $7/sqft sits among the 400 Miami 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 Upper Eastside
Get to know Miami. See the full Miami guide →
Upper Eastside — neighborhood snapshot
Population
14,642
Median age
43
Median income
$80,911
Median home value
$854,030
Avg household
2
Households w/ children
1,433
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Miami market
$508K → $590K
Miami median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
36 of 400
Miami actives have cut their price
Median sold price, Miami, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% below the MIAMI 33138 median. See the full Miami market guide →
Paper trail
This home's history
Reality check
What actually sold near 885 NE 76th St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$6,350,000
895 NE 76th St, Miami FL 33138 · same community
5 bd · 4.5 ba · 4,303 sqft · $1,476/sqft · 176 DOM
Sold · May ’26$6,400,000
549 NE 95th St, Miami Shores FL 33138
5 bd · 6.5 ba · 5,109 sqft · $1,253/sqft · 57 DOM
Sold · Jun ’26$6,600,000
1200 NE 94th St, Miami Shores FL 33138
5 bd · 5.5 ba · 5,155 sqft · $1,280/sqft · 32 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 885 NE 76th St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 885 NE 76th St — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
885 NE 76th St FAQs
What would the monthly payment be for 885 NE 76th St, Miami FL 33138?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $414/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 885 NE 76th St, Miami FL 33138?+
The listing reports pets: Restrictions Or Possible Restrictions. 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 Miami?+
At $35,000, this home is listed about 94% below the Miami median of $610,000. The market section on this page shows how the area is trending.
Which schools are assigned to 885 NE 76th St, Miami FL 33138?+
Morningside K-8 Academy (elementary), District Instructional Center (Dic) (), Horace Mann Middle School (middle), Booker T. Washington Senior High (high), Instructional Center System Wide (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the MIAMI 33138 market on paper
$35,000 is 89% below the MIAMI 33138 median of $329,950, and at $7/sqft it sits under the Miami average of $651.
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
156 days on market against a Miami median of 66 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Morningside K-8 Academy, District Instructional Center (Dic), Horace Mann Middle School, Booker T. Washington Senior High, Instructional Center System Wide, Title I Migrant Education Program — Morningside K-8 Academy rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $50,000, now $35,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Compass Florida, LLC · Carley Pina. MLS #A11971541.
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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