Waterfront home — 2380 NE 196th Street · Enchanted Lake · Miami
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 2380 NE 196th Street, Miami, FL 33180
A photo-rich, always-current edition with the home’s details, neighborhood lifestyle, assigned and nearby schools, ownership planning, and applicable waterfront guidance.
Open property magazine$5,675,000
2380 NE 196th Street, Miami, FL 33180
Miami, FL, 33180
Listed by Miles Goldstein Real Estate
2380 NE 196th Street, Miami, FL 3318090 ft of water frontageBoat length ~70 ft · preliminary
Listed by Miles Goldstein Real Estate
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
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
20% down · 6.75% interest · 30-year loan
Principal, interest, taxes and insurance. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $29,446/mo
- Property tax (after sale) est.
- $7,929/mo
- Homeowners insurance est.
- $2,365/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
2380 NE 196th Street, Miami, FL 33180
Estimated cash to close est.
$1,230,000.67
Down payment plus Florida taxes, title, lender and prepaid costs.
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Loan amount (calculated): $4,540,000.00
Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.
Edit closing costs & prepaids
Assumes both policies cover identical land and dates, with loan coverage within owner coverage—even if the seller pays owner title. Minimum lender premium $25. Turn off if not eligible. Endorsement allowance defaults to one $25 endorsement; actual requirements and premiums vary (Florida 69O-186.005).
Appraisal starts at $650. Waterfront and luxury homes may require a higher fee; confirm with your lender.
Tax uses existing ZIP estimates (after sale); insurance uses existing site estimates. Edit with your quote. If HOA insurance is included, confirm separate unit-owner coverage. Missing HOA costs are excluded—not assumed zero.
Estimated cash to close est.
$1,230,000.67
- Down payment est.
- $1,135,000.00
- Mortgage note documentary stamps est.
- $15,890.00
- Mortgage intangible tax est.
- $9,080.00
- Lender’s title insurance est.
- $25.00
- Lender title endorsements est.
- $25.00
- Lender fees est.
- $1,500.00
- Appraisal est.
- $650.00
- Owner’s title insurance est.
- $16,594.00
- Title search & examination est.
- $125.00
- Municipal lien search est.
- $150.00
- Settlement / closing fee est.
- $450.00
- County recording (deed) est.
- $30.00
- County recording (mortgage) est.
- $120.00
- Inspection, wind mitigation & 4-point est.
- $900.00
- Survey est.
- $500.00
- Property tax escrow (2 months, after sale) est.
- $15,857.50
- Insurance escrow (2 months) est.
- $4,729.17
- First-year insurance premium est.
- $28,375.00
- HOA / condo contribution or transfer est.
- Not provided
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Mortgage stamps: $0.35 per $100 or fraction. Intangible tax: 0.2% of loan. Title uses Florida 69O-186.003 base rates. Assumes 2 months of tax/insurance escrow for financed purchases plus first-year insurance; cash purchases have no lender escrow.
Before deposits and credits. Prepaid interest and other contract costs are not included. Discounts and title endorsements must be confirmed by the title company. Title search, municipal lien search, settlement and recording are pass-through title company charges for cash and financed buyers alike; the municipal lien search is priced by each city and can run higher (e.g. Boca Raton $150, Coral Gables $220).
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Insurance & flood
- Flood zone (FEMA)
- Zone AEFlood insurance required
- Homeowners insurance est.
- $2,365 / month
Flood insurance is required with a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender). The monthly insurance estimate above does not include flood insurance — see "Show details" for the flood rules and the official FEMA map.
Source: FEMA National Flood Hazard Layer · Date checked: Oct 23, 2026
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
Flood zone: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 23, 2026
- Roof type
- Concrete
- Roof year
- 2026 (assumed from year built)
- Impact windows / doors
- Impact Glass (Partial)
- Shutters
- Not provided —
- Window features
- Impact Glass (Partial)
- Year built
- 2026
Homeowners insurance: $2,365 / month est.
Special Flood Hazard Area. With a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender), flood insurance is required.
The FEMA map is a strong indication, not the final answer: your lender orders its own flood zone determination. Cash buyers are not required to carry flood insurance, but on the water it is strongly recommended.
Florida rule: by 2027, Citizens policyholders must carry flood insurance even outside a flood zone, unless the Citizens policy excludes wind coverage. The FEMA map does not show this.
How flood insurance is priced (FEMA Risk Rating 2.0)
Flood insurance is priced home by home, so two neighbors on the same canal can pay very different amounts. Premiums depend on the home's elevation (first-floor height above the expected flood level), distance to water (ocean, Intracoastal, canal or river), the type of flood risk (storm surge, heavy rain or river overflow), the cost to rebuild, the foundation and construction type, and past flood claims on the property.
Federal flood insurance (NFIP) pays at most $250,000 for the building and $100,000 for contents. A luxury waterfront home needs private flood insurance or an "excess flood" policy on top.
Before an offer: pull the official FEMA flood map (FIRMette), ask the seller for an elevation certificate (it largely decides the price), ask whether the seller's existing NFIP policy can be transferred to you (sometimes at a lower rate), and have an insurance agent check prior flood claims (CLUE report). New NFIP policies usually have a 30-day wait before they take effect — don't leave it until the week of closing.
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
About This Property
Find similar homesBrand new waterfront construction in Enchanted Lake, a guard gated enclave minutes from Aventura, Sunny Isles and North Miami. Soaring ceilings and an exceptional floor plan are matched by a level of finish rarely delivered at this scale. The custom chef's kitchen features Gaggenau appliances and a finished walk in pantry, a full outdoor kitchen with grill, sink, refrigerator, heating plate and covered dining. Extensive millwork throughout including built in wall units and bar. Second floor pajama lounge with wet bar and dedicated refrigeration. DAYORIS Filo Muro frameless floor to ceiling doors, 48x48 imported European porcelain, 10 ft impact windows on the first floor and 9 ft on the second. Every closet fully built out. Massive laundry with custom cabinetry. Dual gas tankless water heaters, natural gas and city sewer. Two car tiled garage plus secondary driveway. Brand new 90 ft seawall with 66 x 12 fenced dock. Professionally landscaped with underground irrigation, fully gated, and offered decorator furnished. Move in ready. Brand new waterfront construction in Enchanted Lake, a guard gated enclave minutes from Aventura, Sunny Isles and North Miami. Soaring ceilings and an exceptional floor plan are matched by a level of finish rarely delivered at this scale. The custom chef's kitchen features gas powered Gaggenau appliances and a finished walk in pantry, a full outdoor kitchen with grill, sink, refrigerator, heating plate and covered dining. Extensive millwork throughout including built in wall units and bar. Second floor pajama lounge with wet bar and dedicated refrigeration. DAYORIS Filo Muro frameless floor to ceiling doors, 48x48 imported European porcelain, 10 ft impact windows on the first floor and 9 ft on the second. Every closet fully built out. Massive laundry with custom cabinetry. Dual gas tankless water heaters, natural gas and city sewer. Two car tiled garage plus third car parking. Brand new 90 ft seawall with 66 x 12 fenced dock. Professionally landscaped with underground irrigation, fully gated, and offered decorator furnished. Move in ready.
Property Details
2380 NE 196th Street, Miami, FL 33180 · Miami
Location
2380 NE 196th Street, Miami, FL 33180
Dock & Draft Match™
90 ft stated water frontage less the local Miami side-line buffers
Boat length ~70 ft · preliminary
What buyers ask about this home
What are the estimated monthly carrying costs at 2380 NE 196th Street, Miami, FL 33180?+
Property tax (after sale): $7,929/month est.; homeowners insurance: $2,365/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $10,293/month est. Principal and interest: $29,446/month; PMI: $0/month. Total for the payment scenario shown: $39,740/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 2380 NE 196th Street, Miami, FL 33180?+
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 2380 NE 196th Street, Miami, FL 33180 need flood insurance, and what drives the premium?+
Most of 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 2380 NE 196th Street, Miami, FL 33180?+
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 2380 NE 196th Street, Miami, FL 33180?+
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 2380 NE 196th Street, Miami, FL 33180?+
This listing has been on the market 14 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
Miami. Distinct neighborhoods, local dining and shopping, with downtown, Brickell and MiamiCentral as everyday destinations.
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
Virginia A Boone-Highland Oaks School
Elementary · 0.7 mi from this home · 20500 Ne 24Th Ave, Miami
Zone boundaries published by Miami-Dade County Public Schools.
Other options for this address
Bridgeprep Academy Of North Miami Beach
Elementary · Charter · Grades PK–8 · North Miami Beach
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
Mati Talent Institute Private School
Pre-K & Kindergarten · Private · Grades PK–12 · Hallandale Beach
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
Simon Gedz
Realtor® since 1995
Interested in this property?
$5,675,000 · MLS A12103837
$5,675,000
2380 NE 196th Street
2471 NE 201st Street, Miami, FL 33180
Listed by Miami Connections Realty LLC
COUNTY SQUIRE ESTATES SEC
5 bd · 5 ba · 3,866 sq ft
$2,690,000
View details20431 NE 14th Court, Miami, FL 33179
Listed by Elite Realty Partners, Inc.
MALVINA PARK
3 bd · 2 ba · 1,765 sq ft
$560,900
View details
1150 NE 205TH Terrace, Miami, FL 33179
Listed by Home Sold Realty LLC
Lucky Star Estates
3 bd · 2 ba · 1,221 sq ft
$549,700
View details808 NE 191st Street, Miami, FL 33179
Listed by K & A Realty
CHAMPION LAKES
4 bd · 3 ba · 2,361 sq ft
$850,000
View details8270 NE 2nd Court, Miami, FL 33138
Listed by Screen Realty
INDIAN MOUND PARK
3 bd · 1 ba · 1,342 sq ft
$625,000
View details462 NE 64th Street, Miami, FL 33138
Listed by Gold Rose Realty, Inc.
NORTH GATE
2 bd · 1 ba · 1,512 sq ft
$788,000
View details