9890 NW 86th Ter, Doral FL 33178, DORAL, FL, 33178
Active115 days on marketListed Apr 22, 2026MLS #A12004172
About this home
9890 NW 86th Ter, Doral FL 33178
Welcome to 9890 NW 86th Terrace, Doral, FL 33178, an exceptional fully renovated lakefront residence located in the prestigious Grand Bay community in the heart of Doral. This beautifully upgraded home offers 4 bedrooms and 3.5 bathrooms, with over 3,200 total square feet of thoughtfully designed living space. Built in 2014 and recently enhanced with modern renovations, the property features a stylish two-story layout, elegant porcelain flooring, and bright, open interiors filled with natural light. The home’s living spaces flow seamlessly, creating the perfect balance between comfort and sophistication—ideal for both everyday living and entertaining. Step outside to a private backyard retreat overlooking the lagoon, where a custom designed pergola and barbecue area set the stage for unforgettable gatherings. This outdoor space has been carefully designed to elevate the lifestyle experience, offering both relaxation and entertainment in a serene waterfront setting. Situated on a 5,000 sq ft lot, the property also includes a spacious driveway and a 4 car garage, along with solid concrete block construction and a durable S-tile roof for long-term quality and peace of mind. Located within Grand Bay, one of Doral’s most sought-after communities, residents enjoy access to resort-style amenities, top-rated schools, and close proximity to fine dining, shopping, and major highways.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,674
Sqft
4
Garage
2014
Year built
$486
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$9,318 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,318/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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.
vs edgeAI estimate
+15.7%
$/sqft vs Doral actives
$486 vs $382
Days on market
115 vs 48 typical
Where $486/sqft sits among the 400 Doral 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 Doral
Get to know Doral. See the full Doral guide →
DORAL 33178 — neighborhood snapshot
Population
65,515
Median age
38.2
Median income
$91,338
Median home value
$499,300
Avg household
3.17
Households w/ children
9,609
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Doral market
$835K → $690K
Doral median sold, yr/yr
96.8%
Sale-to-list ratio (12 mo)
22 of 400
Doral actives have cut their price
Median sold price, Doral, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 484% above the DORAL 33178 median. See the full Doral market guide →
Paper trail
This home's history
Reality check
What actually sold near 9890 NW 86th Ter
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$899,900
Nearby listing
4 bd · 4 ba · 2,655 sqft · $339/sqft · 334 DOM
Sold · Nov ’25$920,000
10563 NW 66th St, Doral FL 33178
4 bd · 4 ba · 2,655 sqft · $347/sqft · 248 DOM
Sold · Nov ’25$765,000
6640 NW 105th Pl, Doral FL 33178
4 bd · 4 ba · 2,655 sqft · $288/sqft · 12 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
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9890 NW 86th Ter — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9890 NW 86th Ter — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9890 NW 86th Ter FAQs
What would the monthly payment be for 9890 NW 86th Ter, Doral FL 33178?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,318/mo — principal and interest, the actual property-tax bill, the $437/mo association fee 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.
How much are the HOA fees at 9890 NW 86th Ter, Doral FL 33178?+
The association fee works out to $437 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9890 NW 86th Ter, Doral FL 33178?+
The most recent tax bill on record (2025) was $14,624. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 9890 NW 86th Ter, Doral FL 33178?+
The listing reports pets: More Than 20 Lbs. 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 Doral?+
At $1,300,000, this home is listed about 132% above the Doral median of $560,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9890 NW 86th Ter, Doral FL 33178?+
Dr. Rolando Espinosa K-8 Center (elementary), Ronald W. Reagan/Doral Senior High School (high), Ruben Dario Middle School (middle), Instructional Center System Wide (), District Instructional Center (Dic) (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$1,300,000 runs 484% above the DORAL 33178 median — but at 2,674 sqft it's also nearly twice the size of the typical Doral listing.
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
115 days on market against a Doral median of 48 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of True Brokers, LLC · Leandro Corrente. MLS #A12004172.
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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