Waterfront home — 2500 Mercedes Drive · Harbor Beach · Fort Lauderdale
South Florida Luxury Living
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A magazine dedicated to 2500 Mercedes Drive, Fort Lauderdale, FL 33316
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Open property magazine$27,500,000
2500 Mercedes Drive, Fort Lauderdale, FL 33316
Fort Lauderdale, FL, 33316
Listed by One Sotheby's International Realty
2500 Mercedes Drive, Fort Lauderdale, FL 33316300 ft of water frontageMega Yacht range · Boat length ~280 ft · preliminary
Listed by One Sotheby's International Realty
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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
- $142,692/mo
- Property tax (after sale) est.
- $52,081/mo
- Homeowners insurance est.
- $1,331/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
2500 Mercedes Drive, Fort Lauderdale, FL 33316
Estimated cash to close est.
$5,809,600.84
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): $22,000,000.00
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.
$5,809,600.84
- Down payment est.
- $5,500,000.00
- Mortgage note documentary stamps est.
- $77,000.00
- Mortgage intangible tax est.
- $44,000.00
- 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.
- $61,325.00
- 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.
- $104,162.17
- Insurance escrow (2 months) est.
- $2,662.67
- First-year insurance premium est.
- $15,976.00
- 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 AE Coastal FloodplainFlood insurance required
- Homeowners insurance est.
- $1,331 / 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
- Flat
- Roof year
- 2025 (per listing remarks)
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Tinted Windows
- Year built
- 2005
Homeowners insurance: $1,331 / month est.
- Annual premium est.
- $15,671
- Fees & taxes est.
- $305
- Annual total est.
- $15,976
- Likely range est.
- $13,579–$19,171
- Dwelling coverage est.
- $2,226,563
- Other structures est.
- $44,531
- Personal property est.
- $445,313
- Loss of use est.
- $222,656
- Hurricane deductible (2%) est.
- $44,531
The estimated rebuild cost is above the Citizens Property Insurance coverage cap for this county, so this home would need a private carrier.
Based on the listing: 6,250 sq ft · built 2005 · 2 stories · roof from 2025 · impact windows / shutters · luxury finish level.
Dwelling coverage uses living area × county rebuilding cost. Selling price and land value are not included. The monthly estimate includes fees and applicable taxes.
Broward inland rates were calibrated against two supplied policies; other county and coastal rates have not yet been calibrated against real quotes.
Assumed where the listing is silent: concrete-block construction · coastal rating band · gable roof · 2% hurricane deductible · admitted carrier; no surplus-lines tax. A newer roof, a hip roof shape, or a higher deductible can lower the premium; frame construction can raise it.
Educational estimate only, not an insurance quote. Actual premiums depend on the carrier, inspections, discounts, and underwriting. Flood insurance not included. Simon Gedz is a Realtor, not a licensed insurance agent.
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 homesThis one of a kind, Intracoastal trophy point lot estate in highly desirable Harbor Beach features up to 8 bedrooms, 6.5 baths, 300+/- feet of waterfront with spectacular views and one of the best docks in Fort Lauderdale. The marble clad residence plus guest house/captain’s quarters offers super yacht dockage for a 100+ vessel on the south side while preserving wide water Intracoastal views on the west side. 5 minutes to Port Everglades Inlet. Mature banyan trees and tropical landscaping surround the property and give it a private, resort like feel. The living areas flow seamlessly to the pool and outdoor living spaces and the property is ideally suited for large scale entertaining. The primary suite features 2 bedrooms and spectacular Intracoastal views. Tropical Modernism in Harbor BeachThis one of a kind, Intracoastal point lot estate features 300+/- feet of waterfront with spectacular views and one of the most coveted docks in Fort Lauderdale. The marble clad primary residence plus guest house/captain’s quarters sits on a lot size of approximately 21,256 square feet. The property features up to 8 bedrooms, 5 full baths and one half bath.DockageThe dockage is ideally suited for those with a large vessel or vessels who want easy and direct ocean access. Port Everglades Inlet is within 5 minutes of the property. Given the prevailing winds, the south facing dock plus floating dock is one of the best in town for docking a large vessel of over 100’ or multiple vessels. Dockage on the south side of the property also allows for unobstructed Intracoastal views from the west side of the property. Or, use the wraparound concrete dock for multiple vessels, as you wish.Primary Residence - Lower Level The lower level features a gracious double door covered entry with expansive views across the living room to the Intracoastal waterway. The oversized living and dining room flow seamlessly out to the terrace, pool and dock and feature some of the finest Intracoastal views in Fort Lauderdale. The Bulthaup kitchen features extra deep countertops, an island with oversized hood and a pantry. The breakfast area is adjacent to the tropical screened porch with marina views. The lower level also features a full bath, storage closet and a den or bedroom with direct access to the terrace, pool and dock.Primary Residence - Upper LevelThe upper level features an expansive primary suite with wraparound views and direct access to the covered balconies and upper level terraces. Enjoy an oversized walk in closet plus an oversized primary bath with dual vanities and separate water closet. The primary suite also features a connecting bedroom with balcony access for the possibility of a 2 bedroom suite or adjacent gym. The upper level also features 2 additional bedrooms, one of which is used as a home office. All bedrooms offer balcony access. Additional features include a full bath plus a laundry room with 2 washers and 2 dryers. The sky terrace is also accessed from the upper level and is a perfect flexible space for yoga, meditation, an outdoor gym or as you wish. Additional living space could also be constructed in this area as the roof was engineered for future living space.Enclosed BreezewayThe enclosed breezeway features a powder room and connects the main house with the guest house/captain’s quarters. The breezeway can also be accessed from the front and rear of the property, making it ideal for indoor/outdoor entertaining.Guest House/Captain’s QuartersThe two story guest house features a lower level living area/lounge with full kitchen and a bedroom with a full bath and private entry; ideal for a VIP suite or captain’s quarters. The upper level features 2 additional bedrooms with en suite baths and direct access to the upper level balconies and terraces. A washer and dryer is also included.Pool, Terraces, Dock and Mature Tropical Landscaping Enjoy the oversized, Intracoastal view pool plus expansive covered and uncovered terraces on both levels, which are ideal for sun or shade, as you wish. The property also features a bocce court and gardens with mature tropical trees that are one of a kind and offer shade and privacy. The entire property is ideally suited for indoor/outdoor entertaining on both a small or large scale.Oversized 3 Car Garage with Sky Terrace The oversized 3 car garage offers extra depth for storage and workshop space and features commercial doors. The roof of the garage was constructed to allow for future living space, if desired, in lieu of the sky terrace, which is a perfect flexible space for yoga, meditation, an outdoor gym, or as you wish.Additional Details and FeaturesThe home was designed by architect Ed LeBlanc and constructed by Miller Construction. Additional features include a whole house natural gas generator, a whole house charcoal water filtration system, Cat 5 wiring, A/C with multiple zone control, 2 tankless natural gas water heaters plus a new roof in 2025 with solar panels.Harbor BeachHarbor Beach is Fort Lauderdale’s most exclusive address and offers amenities and services like no other. Residents enjoy a private beach club, private marina and a private security patrol. The neighborhood commands some of the highest prices in South Florida and is ideally located just minutes to the international airport, downtown/Las Olas, Port Everglades and all major roads.Fort LauderdaleIdeally located midway between Palm Beach and Miami, Fort Lauderdale is a world class city and is known as the Yachting Capital of the World and The Venice of America for good reason. The city continues to shine with billion dollar improvements such as the brand new Pier Sixty-Six Resort and Marina, the upcoming redevelopment of Bahia Mar as a St. Regis property and the first Michelin starred restaurant in town at the Four Seasons Fort Lauderdale Beach Resort. Las Olas and downtown continue to evolve for the better and the city has become a vibrant, year round destination that attracts sophisticated residents from around the world.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
498 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
2500 Mercedes Drive, Fort Lauderdale, FL 33316 · Fort Lauderdale
Location
2500 Mercedes Drive, Fort Lauderdale, FL 33316
Dock & Draft Match™
300 ft stated water frontage less the local Fort Lauderdale side-line buffers
Boat length ~280 ft · preliminary
What buyers ask about this home
What are the estimated monthly carrying costs at 2500 Mercedes Drive, Fort Lauderdale, FL 33316?+
Property tax (after sale): $52,081/month est.; homeowners insurance: $1,331/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $53,412/month est. Principal and interest: $142,692/month; PMI: $0/month. Total for the payment scenario shown: $196,104/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 2500 Mercedes Drive, Fort Lauderdale, FL 33316?+
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 2500 Mercedes Drive, Fort Lauderdale, FL 33316 need flood insurance, and what drives the premium?+
Most of Fort Lauderdale 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 2500 Mercedes Drive, Fort Lauderdale, FL 33316?+
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 2500 Mercedes Drive, Fort Lauderdale, FL 33316?+
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 2500 Mercedes Drive, Fort Lauderdale, FL 33316?+
This listing has been on the market 498 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
Fort Lauderdale. Venice of America — 165+ miles of navigable waterways, Las Olas dining, and easy I-95 / Brightline access.
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
Harbordale Elementary School
Elementary · 1.0 mi from this home · 900 Se 15Th St, Fort Lauderdale
Sunrise Middle School
Middle school · 2.8 mi from this home · 1750 Ne 14Th St, Fort Lauderdale
Fort Lauderdale High School
High school · 3.4 mi from this home · 1600 Ne 4Th Ave, Fort Lauderdale
Zone boundaries published by Broward County Public Schools.
Other options for this address
ST. Thomas Aquinas High School
High school · Private · Catholic · Grades 9–12 · Fort Lauderdale
Edith Robinson Christian Academy
High school · Private · Christian · Grades 9–12 · Fort Lauderdale
Murl Windsor Academy At Hollywood
Pre-K & Kindergarten · Private · Grades PK–12 · Fort Lauderdale
Permission To Succeed Education Center
Pre-K & Kindergarten · Private · Grades PK–12 · Port ST. Lucie
Permission To Succeed Education Center
Pre-K & Kindergarten · Private · Grades K–12 · Port ST. Lucie
The International Family Academy
Pre-K & Kindergarten · Private · Grades K–12 · Fort Lauderdale
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.

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