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+58 photosWaterfront home — 13040 N Bayshore Drive · Coronado Harbor · North Miami
South Florida Luxury Living
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Open property magazine$4,999,000
13040 N Bayshore Drive, North Miami, FL 33181
North Miami, FL, 33181
4 bd · 4 ba · 3,542 sqft · 75 ft of water
Listed by The Brokerage South Florida Real Estate, LLC.
13040 N Bayshore Drive, North Miami, FL 33181
Listed by The Brokerage South Florida Real Estate, LLC.
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Estimated monthly payment
$36,223/mo
Know your costs before you buy
Work through three numbers: your estimated monthly payment, the cash needed at closing, and insurance & flood.
Estimated monthly payment $36,223/mo · principal, interest, taxes, insurance and HOA. Verify before you buy.
Cash to close includes the down payment, lender and title costs, taxes, insurance prepayments and escrow deposits. Editable estimate only.
Insurance and flood: AE · verify insurance quotes before buying.
About this home
Find similar homesBeautifully designed Key West-style waterfront home blending timeless architecture with the best of South Florida living. This spacious five bedroom, four-bathroom residence offers an effortless indoor-outdoor lifestyle, with warm coastal charm, inviting living spaces, and a layout designed for both relaxed everyday living and entertaining.Set along 75 feet of prime waterfront, the property seamlessly connects to the tranquil canal with beautifully maintained outdoor spaces and a very spacious backyard that captures the essence of luxury island living. Rich in character and filled with natural light, this residence is located within the gated community of Keystone, offering a rare combination of privacy, charm, and true waterfront living in one of the area’s most desirable settings.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 9%
The seller has come down from $5,500,000 to $4,999,000 — a $501,000 reduction since it came on the market.
182 days on market
Longer time on market usually means the seller is more open to negotiating on price and terms.
Price reductions and days on market come from this listing's MLS record. This is an initial market signal, not a formal appraisal or full comparable market analysis.
Property Details
Your costs (est.)
≈ $36,223/mo
13040 N Bayshore Drive, North Miami, FL 33181 · North Miami
Location
13040 N Bayshore Drive, North Miami, FL 33181
Dock & Draft Match™
Boat size needs on-site verification
Boat fit not verified. Confirm dock length, depth, bridges and ocean access before buying.
One home, every check
Dock & Draft Match™ brings this home's dock length, low-water depth, every bridge, the ocean run, frontage and yacht size together in one place. Estimate only, not guaranteed. Verify before you buy or sell.
What buyers ask about this home
What are the estimated monthly carrying costs at 13040 N Bayshore Drive, North Miami, FL 33181?+
Property tax (after sale): $9,004/month est.; homeowners insurance: $1,280/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $10,284/month est. Principal and interest: $25,939/month; PMI: $0/month. Total for the payment scenario shown: $36,223/month est. Flood insurance is not included. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 13040 N Bayshore Drive, North Miami, FL 33181?+
Usually yes. In Florida the assessed value resets to market value in the year after a sale, so the seller's current tax bill is rarely what a new owner pays. Budget roughly 1.8–2.0% of the purchase price annually until you file for homestead exemption and the Save Our Homes cap (or the 10% non-homestead cap) starts limiting increases.
Does 13040 N Bayshore Drive, North Miami, FL 33181 need flood insurance, and what drives the premium?+
Most of North Miami sits in a FEMA flood zone, and lenders require flood coverage in high-risk zones. Premiums are driven by elevation certificate, flood zone, roof age and shape, and whether the home has impact windows or accordion shutters. Ask for the current declarations page, the four-point inspection and wind mitigation report early — they set your real cost of ownership.
What should an inspection focus on for a home like 13040 N Bayshore Drive, North Miami, FL 33181?+
In coastal South Florida, prioritize roof age and permit history, whether windows and doors are impact-rated, the seawall and dock condition on waterfront lots, drainage and elevation, plumbing type, and any open or expired permits with the city. These items, not cosmetics, drive both price and insurability.
What extra costs come with the waterfront at 13040 N Bayshore Drive, North Miami, FL 33181?+
Waterfront ownership adds seawall maintenance and eventual replacement, dock and lift servicing, higher flood and wind premiums, and salt-air upkeep on exterior finishes and equipment. Confirm bridge height and water depth at low tide if you plan to keep a boat.
Is there room to negotiate on 13040 N Bayshore Drive, North Miami, FL 33181?+
This listing has been on the market 182 days. Leverage comes from days on market, price history, comparable closed sales and the seller's motivation — not from a fixed percentage. I pull the full history and the true comps before we write, so the offer is built on what the property is actually worth today. Call or text (954) 562-1798 for that analysis.
Neighborhood & Commute
Located in North Miami, this property offers the South Florida lifestyle — warm-weather living year-round with easy access to the Atlantic coast, A-rated schools, and major business centers.
Approximate Drive Times
Drive times are estimates based on straight-line distance at typical South Florida traffic speeds. Actual times vary with traffic and routing.
Assigned schools for this address
David Lawrence Jr. K-8 Center
Elementary · 1.3 mi from this home · 15000 Bay Vista Blvd, North Miami
North Miami Middle School
Middle school · 1.9 mi from this home · 700 Ne 137Th St, North Miami
Alonzo & Tracy Mourning Senior High School
High school · 1.4 mi from this home · 2601 Ne 151St St, Miami
Zone boundaries published by Miami-Dade County Public Schools.
Other options for this address
Mater Biscayne Academy North Miami Elementary School
Elementary · Charter · Grades PK–5 · North Miami
Mater Biscayne Academy North Miami Middle School
Middle school · Charter · Grades 6–8 · North Miami
Sports Leadership And Management (Slam) Middle School - Nor
Middle school · Charter · Grades 6–8 · North Miami Beach
Yeshiva Toras Chaim Toras Emes Rohr Middle School
Middle school · Private · Jewish · Grades 6–8 · North Miami Beach
Sports Leadership Arts Management Charter High School (Nort
High school · Charter · Grades 9–12 · North Miami Beach
Advance Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades K–12 · North Miami
Archdiocese Of Miami Virtual Catholic School
Pre-K & Kindergarten · Private · Catholic · Grades K–12 · Miami Shores
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
The home, in a magazine
A closer look at this home and its lifestyle — dedicated to you and your family.
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Simon Gedz
Realtor® since 1995
Interested in this property?
$4,999,000 · MLS A12019361
$4,999,000
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