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+24 photosWaterfront home — 2039 NE 123rd Street · Areta Estates · North Miami
South Florida Luxury Living
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Open property magazine$850,000
2039 NE 123rd Street, North Miami, FL 33181
North Miami, FL, 33181
2 bd · 3 ba · 1,444 sqft
Listed by Beachfront Realty Inc
2039 NE 123rd Street, 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
$6,448/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 $6,448/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 homesRare waterfront opportunity in the highly desirable Areta Estates! This beautiful 2-bedroom, 2.5-bath waterfront townhouse is a zero-lot-line home that lives like a single-family residence, with no HOA and no maintenance fees. Perfect for boating enthusiasts, the property includes a private deeded dock with quick access to Biscayne Bay and the Atlantic Ocean through Haulover Inlet.The open-concept floor plan is filled with natural light and a beautiful kitchen and a full-size washer and dryer. The spacious living and dining areas open to a private waterfront patio, creating the perfect indoor-outdoor space for entertaining or relaxing.Upstairs, the primary suite offers a walk-in closet, a beautifully updated en-suite bathroom, and a private balcony overlooking the canal. A generously sized second bedroom and an additional flexible space provide room for a home office, gym, or sitting area. Ideally located east of Biscayne Boulevard, just minutes from Bal Harbour Shops, beaches, Whole Foods, Publix, fine dining, and major highways. Surrounded by multi-million-dollar waterfront homes, this move-in-ready property offers an exceptional combination of luxury, boating, and prime location. Great for investors! No rental restrictions and no application needed! A must see!
Ask Simon about boat size
Boat length limit: 78 ft est. — verify · Dock: Not provided — Ask Simon
min · est.
Not provided
low tide depth
Enter draft
bridges on the route
Not provided
Run to the ocean
Saved route not provided — Ask Simon
Map © Esri · saved route, planning only
Water depth on the way out
Saved depth segments not provided — Ask Simon
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
No bridges on this route
Depth sources
NOAA chart (updated weekly)Tides
Tides: NOAA tide predictions, nearest station
Estimate only, not guaranteed. Verify before you buy or sell.
Property Details
Dogs
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Cats
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Your costs (est.)
≈ $6,448/mo
2039 NE 123rd Street, North Miami, FL 33181 · North Miami
Location
2039 NE 123rd Street, North Miami, FL 33181
Dock & Draft Match™
Dock / slip — ask about dock
Boat length up to ~78 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 2039 NE 123rd Street, North Miami, FL 33181?+
Property tax (after sale): $1,531/month est.; homeowners insurance: $507/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $2,038/month est. Principal and interest: $4,410/month; PMI: $0/month. Total for the payment scenario shown: $6,448/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 2039 NE 123rd Street, 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 2039 NE 123rd Street, 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 2039 NE 123rd Street, 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 2039 NE 123rd Street, 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 2039 NE 123rd Street, North Miami, FL 33181?+
This listing has been on the market 44 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 · 1.8 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 · 2.0 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.
Open the magazine
Simon Gedz
Realtor® since 1995
Interested in this property?
$850,000 · MLS A12096677
$850,000
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