3 bed 2 bath luxury home for sale at 6195 Moss Ranch Road, Pinecrest, FL — Town & Ranch Ests

1 / 13

Photo 2 of 6195 Moss Ranch Road, Pinecrest, FL in Town & Ranch Ests — luxury home for sale

Photo 3 of 6195 Moss Ranch Road, Pinecrest, FL in Town & Ranch Ests — luxury home for sale

Photo 4 of 6195 Moss Ranch Road, Pinecrest, FL in Town & Ranch Ests — luxury home for sale

Photo 5 of 6195 Moss Ranch Road, Pinecrest, FL in Town & Ranch Ests — luxury home for sale

+8 photos

Luxury home — 6195 Moss Ranch Road · Town & Ranch Ests · Pinecrest

Photo 6 of 6195 Moss Ranch Road, Pinecrest, FL in Town & Ranch Ests — luxury home for sale

Photo 7 of 6195 Moss Ranch Road, Pinecrest, FL in Town & Ranch Ests — luxury home for sale

Photo 8 of 6195 Moss Ranch Road, Pinecrest, FL in Town & Ranch Ests — luxury home for sale

Photo 9 of 6195 Moss Ranch Road, Pinecrest, FL in Town & Ranch Ests — luxury home for sale

Photo 10 of 6195 Moss Ranch Road, Pinecrest, FL in Town & Ranch Ests — luxury home for sale

Photo 11 of 6195 Moss Ranch Road, Pinecrest, FL in Town & Ranch Ests — luxury home for sale

luxury

Pool: In Ground

$3,600,000

6195 Moss Ranch Road, Pinecrest, FL 33156

Pinecrest, FL, 33156

3 bd · 2 ba · 1,699 sqft

Listed by Compass Florida, LLC

luxury

6195 Moss Ranch Road, Pinecrest, FL 33156

TOWN & RANCH ESTS

Pinecrest, Miami-Dade County, FL, 33156

$3,600,000Available

Listed by Compass Florida, LLC

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

Add to my 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

$22,798/ month

20% down · 6.75% interest · 30-year loan · Jumbo loan

Jumbo loan: put down about $2,767,250 or more to stay conforming. What's different?

A bigger down payment, often 10–20% or more
A higher credit score, often 700+
More cash reserves, often 6–12 months of payments
Full income documentation, sometimes a second appraisal on large loans

Other options: Conforming first mortgage plus a home equity loan for the rest ("piggyback"); Portfolio or private bank loans; Cash. Each lender sets its own rules.

Principal, interest, taxes and insurance. Property Tax (after sale). Estimated; not a lender quote.

Principal & interest: $18,680/mo
Property tax (after sale) est.: $3,497/mo
Homeowners insurance est.: $622/mo
HOA: $0/mo

Estimate only, not guaranteed. Verify before you buy or sell.

Cash to close

6195 Moss Ranch Road, Pinecrest, FL 33156

Open calculator

Estimated cash to close est.

$767,587.67

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.

Purchase price ($)County

Cash purchase

Down payment (%)

Interest rate (%) est.

Loan amount (calculated): $2,880,000.00Jumbo loan

Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $2,767,250.00 or more to stay conforming.

Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.

Buyer pays owner’s title insurance

Buyer default: Broward / Miami-Dade. Seller default: Palm Beach. Your contract controls.

Edit closing costs & prepaids

Lender fees ($) est.Appraisal ($) est.Title endorsements allowance ($) est.Title search & examination ($) est.Municipal lien search ($) est.Settlement / closing fee ($) est.County recording — deed ($) est.County recording — mortgage ($) est.Inspection / wind / 4-point ($) est.Survey ($) est.Annual property tax after sale ($) est.Annual homeowners insurance ($) est.HOA / condo contribution or transfer ($) est.

Simultaneous owner and lender title policies

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.

$767,587.67

Down payment est.: $720,000.00
Mortgage note documentary stamps est.: $10,080.00
Mortgage intangible tax est.: $5,760.00
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.: $11,575.00
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.: $6,993.17
Insurance escrow (2 months) est.: $1,243.50
First-year insurance premium est.: $7,461.00
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): Not available —
Homeowners insurance est.: $622 / month

Source: FEMA National Flood Hazard Layer · Date checked: Nov 9, 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: Not available —

Source: FEMA National Flood Hazard Layer · Date checked: Nov 9, 2026

Roof type: Barrel
Roof year: Not provided —
Impact windows / doors: Not provided —
Shutters: Not provided —
Window features: Not provided —
Year built: 1952

Homeowners insurance: $622 / month est.

Annual premium est.: $7,156
Fees & taxes est.: $305
Annual total est.: $7,461
Likely range est.: $6,342–$8,953
Dwelling coverage est.: $662,610
Other structures est.: $13,252
Personal property est.: $132,522
Loss of use est.: $66,261
Hurricane deductible (2%) est.: $13,252

Based on the listing: 1,699 sq ft · built 1952 · one story · 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 · inland rating band · roof 6–15 years old · 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.

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.

Open FEMA flood map & FIRMette

Insurance estimates vary widely. Get a real quote before you make an offer.

Estimate only, not guaranteed. Verify before you buy or sell.

Bedrooms

Bathrooms

1,699

Sq. Ft.

About This Property

Find similar homes

An exceptional property. An extraordinary opportunity to create what comes next. Set on a sprawling 37,940-square-foot builder’s acre along desirable Moss Ranch Road, this property offers an outstanding setting for a custom estate in the heart of Pinecrest. Envision a beautifully designed residence, expansive outdoor entertaining spaces, and thoughtfully landscaped grounds—all created around your own vision of South Florida living.The existing residence is offered at land value, with the opportunity centered on the generous lot and its sought-after location. Pinecrest’s highly regarded public schools and proximity to exceptional private schools are among the area’s most compelling draws, making educational opportunities a defining part of its appeal. Beautiful parks, community activities, shopping, and dining further enrich the lifestyle that makes Pinecrest such a special place to call home. Boating enthusiasts can enjoy outings on Biscayne Bay from Matheson Hammock and Black Point marinas, adding another dimension to an exceptional setting.For those seeking a place to build something truly personal, 6195 Moss Ranch Road offers the space, setting, and location to bring that vision to life.

Property Details

Property Type

Single Family Residence

Year Built

1952 (74 yrs old)

Lot Size

0.87 acres (37,897 sq ft)

Price / Sq Ft

$2,119

Community

TOWN & RANCH ESTS

MLS #

A12119932

Location

Pinecrest, Miami-Dade County, FL, 33156

Listed

11/7/2026

Days on Market

QR code

Scan to open this home on any phone

Pool: In Ground

View: Garden

Cooling: Central Air

Heating: Central

Parking: Circular Driveway

Parking: Garage

Parking: Attached Garage

Parking: Attached

Roof: Barrel

Construction: Block

2-Car Garage

1 Story

Subdivision: TOWN & RANCH ESTS

Your costs (est.)

≈ $22,798/mo

6195 Moss Ranch Road, Pinecrest, FL 33156 · Pinecrest

Location

6195 Moss Ranch Road, Pinecrest, FL 33156

What buyers ask about this home

What are the estimated monthly carrying costs at 6195 Moss Ranch Road, Pinecrest, FL 33156?+

Property tax (after sale): $3,497/month est.; homeowners insurance: $622/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $4,118/month est. Principal and interest: $18,680/month; PMI: $0/month. Total for the payment scenario shown: $22,798/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 6195 Moss Ranch Road, Pinecrest, FL 33156?+

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 6195 Moss Ranch Road, Pinecrest, FL 33156 need flood insurance, and what drives the premium?+

Most of Pinecrest 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 6195 Moss Ranch Road, Pinecrest, FL 33156?+

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 pool at 6195 Moss Ranch Road, Pinecrest, FL 33156?+

A pool typically adds ongoing service, chemicals and electricity, plus periodic resurfacing and equipment replacement. Verify the safety barrier meets Florida code, which is required for insurance and resale.

Is there room to negotiate on 6195 Moss Ranch Road, Pinecrest, FL 33156?+

This listing has been on the market 0 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 Pinecrest, 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

Miami Intl Airport (MIA)

9.8 mi · ~18 min drive

South Beach, Miami Beach

13.5 mi · ~25 min drive

Fort Lauderdale–Hollywood Intl (FLL)

30.2 mi · ~57 min drive

Brightline Fort Lauderdale Station

33.6 mi · ~63 min drive

Downtown Fort Lauderdale / Las Olas

33.7 mi · ~63 min drive

Downtown Boca Raton / Mizner Park

49.8 mi · ~93 min drive

Drive times are estimates based on straight-line distance at typical South Florida traffic speeds. Actual times vary with traffic and routing.

Search all schools near this home →

Assigned schools for this address

Pinecrest Elementary School
Elementary · 1.6 mi from this home · 10250 Sw 57Th Ave, Miami
Ratings
(305)667-5579 Directions
Palmetto Middle School
Middle school · 1.2 mi from this home · 7351 Sw 128Th St, Miami
Ratings
(305)238-3911 Directions
Miami Palmetto Senior High School
High school · 1.4 mi from this home · 7431 Sw 120Th St, Miami
Ratings
(305)235-1360 Directions

Zone boundaries published by Miami-Dade County Public Schools.

Other options for this address

ElementaryMiddle schoolHigh schoolPre-K & Kindergarten

ST. Louis Covenant School
Elementary · Private · Catholic · Grades PK–8 · Pinecrest
Ratings
1.2 mi(305) 238-7562 Directions
Pinecrest Presbyterian Day School
Elementary · Private · Christian · Grades PK–K · Pinecrest
Ratings
1.5 mi(305) 666-3377 Directions
True North Classical Academy At Pinecrest
Elementary · Charter · Grades PK–8 · Pinecrest
Ratings
1.5 mi(786)840-9333 Directions
Sunrise School Of Miami
Elementary · Private · Grades PK–6 · Palmetto Bay
Ratings
1.6 mi(305) 274-6562 Directions
Somerset Academy Continental
Elementary · Charter · Grades PK–5 · Miami
Ratings
2.4 mi(305)860-3730 Directions
ST. Thomas Episcopal Parish School
Elementary · Private · Catholic · Grades PK–5 · Coral Gables
Ratings
2.5 mi(305) 665-4851 Directions
American Academy Of Pinecrest
High school · Private · Grades 12–12 · Pinecrest
Ratings
2.2 mi(305) 233-5723 Directions
Fusion Academy - Miami
High school · Private · Grades 6–12 · Miami
Ratings
2.5 mi(305) 831-0041 Directions
Our Lady Of Lourdes Academy
High school · Private · Catholic · Grades 9–12 · Miami
Ratings
2.8 mi(305) 667-1623 Directions
Academica International Studies
High school · Private · Grades 7–12 · Miami
Ratings
3.4 mi(305) 776-1150 Directions
Palmer Trinity School
High school · Private · Christian · Grades 6–12 · Palmetto Bay
Ratings
3.8 mi(305) 969-4205 Directions
Westminster Christian Private School, Inc.
Pre-K & Kindergarten · Private · Christian · Grades PK–12 · Palmetto Bay
Ratings
1.7 mi(305) 233-2030 Directions
Gulliver Preparatory School Inc,
Pre-K & Kindergarten · Private · Grades PK–12 · Pinecrest
Ratings
2.5 mi(305) 666-7937 Directions
Carrie Brazer Center For Autism
Pre-K & Kindergarten · Private · Grades K–12 · Miami
Ratings
3.6 mi(305) 271-8790 Directions
Palmetto Bay Academy
Pre-K & Kindergarten · Private · Grades 5–12 · Miami
Ratings
4.2 mi(786) 293-5353 Directions

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

Call Simon · (954) 562-1798

Interested in this property?

$3,600,000 · MLS A12119932

Want to see it in person? Pick a day and time (optional)

Your message

I'm pre-approved or paying cashI agree that Simon Gedz may call or text me about these homes. Consent is not required to buy. Message and data rates may apply. Reply STOP to opt out.Or chat on WhatsApp

Add to my tour