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+45 photosWaterfront home — 13305 Biscayne Island Terrace · Keystone Island · North Miami



















































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Open property magazine$4,199,000
13305 Biscayne Island Terrace, North Miami, FL 33181
North Miami, FL, 33181
4 bd · 3 ba · 3,195 sqft
Listed by Beachfront Realty Inc
13305 Biscayne Island Terrace, North Miami, FL 33181
Listed by Beachfront Realty Inc
Add this home to your tour day
Pick up to 6 homes. Simon confirms times with each listing agent, then sends you the final schedule.
0 of 6 homes in your tour
Estimated monthly payment
$31,058/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 $31,058/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 homes*MOTIVATED SELLER* Deeded Dock for BIG YATCHS plus a 24,000lbs BOAT LIFT, located in Island 5, “the most desirable island in Keystone Point”. Experience the ultimate South Florida waterfront lifestyle in this beautifully renovated canal-front residence. Situated on an oversized 15,000± SF lot with direct ocean access and no fixed bridges, this exceptional property is a true boater’s dream, FIVE MINUTES AWAY FROM HAULOVER SANDBAR AND HALOUVER OCEAN ACCESS.Offering 4 bedrooms, 3 full baths, and nearly 3,200 SF of living space, the home features abundant natural light, and a seamless open layout designed for both comfortable living and entertaining. Parking for 10 vehicles. High-impact windows and sliding glass doors provide peace of mind while showcasing beautiful water views throughout.The resort-style backyard is highlighted by a sparkling pool overlooking the canal, creating the perfect setting for outdoor dining, relaxing, and enjoying Miami’s year-round sunshine. Whether departing by boat for a day on the water or entertaining guests poolside, this home delivers an unmatched waterfront lifestyle.Ideally located close to Bal Harbour, Aventura, Sunny Isles Beach, world-class shopping and fine dining. Opportunities to own a move-in-ready waterfront home with an oversized lot and unrestricted ocean access are increasingly rare. A truly exceptional property where luxury, boating, privacy, and location come together in one remarkable offering. Located within the highly desirable gated community of Keystone Point, this beautifully renovated waterfront residence offers a rare combination of luxury, privacy, and direct boating access. Positioned on an oversized approximately 15,000-square-foot lot, the property enjoys direct ocean access with no fixed bridges, making it ideal for boating enthusiasts seeking unrestricted navigation to Biscayne Bay and the Atlantic Ocean.The residence features four bedrooms and three full bathrooms with approximately 2,927 square feet of adjusted living area and 3,195 square feet of total living area. The thoughtfully designed floor plan provides a seamless flow between living, dining, family, and outdoor entertainment spaces, maximizing both comfort and functionality.Recent renovations have enhanced the home’s appeal while maintaining a timeless elegance. Ceramic flooring extends throughout the interior, creating a sophisticated and cohesive aesthetic. Large impact-rated windows and sliding glass doors provide abundant natural light, energy efficiency, storm protection, and beautiful views of the surrounding waterfront setting.The kitchen and living areas are designed for modern living and entertaining, offering generous space for family gatherings and social events. The primary suite and additional bedrooms provide flexibility for families, guests, home office use, or multigenerational living arrangements.Outdoor living is a defining feature of the property. The backyard offers a private tropical setting with a swimming pool overlooking the canal. The expansive lot provides ample room for entertaining, outdoor dining, recreation, and future customization. The waterfront location allows residents to enjoy boating, fishing, paddleboarding, and the South Florida lifestyle directly from their own property.Biscayne Island Estates is recognized as one of North Miami’s most sought-after waterfront communities, offering a secure gated environment and convenient access to many of South Florida’s premier destinations. Residents are located just minutes from:* Bal Harbour Shops* Aventura Mall* Sunny Isles Beach* Haulover Beach and Marina* Oleta River State Park* Fine dining and entertainment venues* Private and public schools* Major highways and airportsThe property’s strategic location allows convenient access to Downtown Miami, the Design District, Wynwood, Miami Beach, Fort Lauderdale, and both Miami International Airport and Fort Lauderdale-Hollywood International Airport.Features believed to be of particular interest include:* Gated waterfront community* Direct ocean access* No fixed bridges* Oversized approximately 15,000 SF lot* Renovated interior* Four bedrooms* Three full bathrooms* Ceramic flooring* Impact-rated windows* Impact-rated sliding doors* Abundant natural light* Waterfront pool* Canal frontage* Excellent indoor-outdoor flow* Move-in-ready condition* Ideal for boating enthusiasts* Prime North Miami locationThis property presents an exceptional opportunity for buyers seeking a primary residence, seasonal retreat, investment property, or waterfront lifestyle home in one of Miami’s most desirable boating communities. The combination of location, lot size, renovations, impact protection, pool, waterfront setting, and unrestricted ocean access creates a compelling offering that is increasingly difficult to find in today’s market.All measurements, dimensions, square footage, lot size, waterfront specifications, and other information are believed to be accurate but should be independently verified by the buyer and buyer’s representatives. Property is shown by appointment only. Contact listing agent for additional information, access instructions, and showing availability. ??????
Ask Simon about boat size
Boat length limit: 73 ft est. — verify · Dock: Not provided — Ask Simon
min · est.
2.0 nm
low tide depth
Enter draft
bridges on the route
31.8 ft lowest
Run to the ocean
Map © Esri · saved route, planning only
Water depth on the way out
about 9 ft at low tide (estimate, canal not surveyed)
Charted route depths do not confirm private dock depth, current shoaling or safe passage; verify with your captain.
Today’s tide · Eastern time
Current tide prediction not provided — Ask Simon
Route bridges & sources
Bridges on the route
SR A1A Bal Harbour · fixed · 31.8 ft
Depth sources
Army Corps survey · Intracoastal Waterway, Miami-Dade County · surveyed Feb 13, 2025 · shallowest 10 ft on your route
Army Corps survey · Bakers Haulover Inlet · surveyed Aug 6, 2025 · shallowest 7 ft on your route
NOAA chart (updated weekly)Tides
Tides: NOAA tide predictions, nearest station
Estimate only, not guaranteed. Verify before you buy or sell.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 13%
The seller has come down from $4,799,000 to $4,199,000 — a $600,000 reduction since it came on the market.
158 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.)
≈ $31,058/mo
13305 Biscayne Island Terrace, North Miami, FL 33181 · North Miami
Location
13305 Biscayne Island Terrace, North Miami, FL 33181
Dock & Draft Match™
Dock / slip — ask about dock
Boat length up to ~73 ft · verify
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 13305 Biscayne Island Terrace, North Miami, FL 33181?+
Property tax (after sale): $7,563/month est.; homeowners insurance: $1,708/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $9,270/month est. Principal and interest: $21,788/month; PMI: $0/month. Total for the payment scenario shown: $31,058/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 13305 Biscayne Island Terrace, 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 13305 Biscayne Island Terrace, 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 13305 Biscayne Island Terrace, 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 (cast iron and polybutylene are common in homes of this era), 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 13305 Biscayne Island Terrace, 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 13305 Biscayne Island Terrace, North Miami, FL 33181?+
This listing has been on the market 158 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 · 1.0 mi from this home · 15000 Bay Vista Blvd, North Miami
North Miami Middle School
Middle school · 2.4 mi from this home · 700 Ne 137Th St, North Miami
Alonzo & Tracy Mourning Senior High School
High school · 1.2 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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