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+66 photosLuxury home — 815 NE 13th Street · Fort Lauderdale








































































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Open property magazine$4,795,000
815 NE 13th Street, Fort Lauderdale, FL 33304
Fort Lauderdale, FL, 33304
Listed by Coldwell Banker Realty
815 NE 13th Street, Fort Lauderdale, FL 33304
Listed by Coldwell Banker Realty
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 · Jumbo loan
Jumbo loan: put down about $3,962,250 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
- $24,880/mo
- Property tax (after sale) est.
- $6,947/mo
- Homeowners insurance est.
- $1,998/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
815 NE 13th Street, Fort Lauderdale, FL 33304
Estimated cash to close est.
$1,041,000.16
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): $3,836,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $3,962,250.00 or more to stay conforming.
Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.
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.
$1,041,000.16
- Down payment est.
- $959,000.00
- Mortgage note documentary stamps est.
- $13,426.00
- Mortgage intangible tax est.
- $7,672.00
- 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.
- $14,563.00
- 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.
- $13,893.33
- Insurance escrow (2 months) est.
- $3,995.83
- First-year insurance premium est.
- $23,975.00
- 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 X 0.2 Percent Annual Chance Flood Hazard in Coastal ZoneNot federally required
- Homeowners insurance est.
- $1,998 / month
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: X
Moderate mapped flood risk; flooding is still possible.
Source: FEMA National Flood Hazard Layer · Date checked: Oct 23, 2026
- Roof type
- Not provided —
- Roof year
- Not provided —
- Impact windows / doors
- Not provided —
- Shutters
- Not provided —
- Window features
- Not provided —
- Year built
- 1961
Homeowners insurance: $1,998 / month est.
Zone X. Flood insurance is not federally required, but it is strongly recommended and usually available at lower rates.
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 homesAPPRAISED OCTOBER 2026 | PRICED BELOW APPRAISED VALUE! Exceptional investment opportunity in Fort Lauderdale's evolving NE 13th Street corridor. NE815 | Urban Commons features a freestanding ±8,495 SF commercial building on an oversized ±27,094 SF parcel with three commercial suites, two established income-producing tenants, and approximately 5,700 SF of available restaurant space. The former Milk Money restaurant features a fully built-out commercial kitchen, expansive bar, outdoor patio, and rare drive-thru capability. Significant value-add potential through increased rental income, tenant diversification, or owner occupancy. Excellent visibility, ample parking, and proximity to Downtown, Las Olas, Flagler Village, and Wilton Manors. An outstanding acquisition opportunity! **PROPERTY CONFIGURATION & INVESTMENT POTENTIAL** The property consists of three commercial suites, including two established businesses operating under long-term leases and the former Milk Money restaurant, comprising approximately 5,700 SF of existing restaurant and hospitality space. The operating coffee shop and boutique barber salon provide an established income stream and consistent customer activity. The former restaurant premises offer significant value-add potential for a future operator or owner-user seeking an existing hospitality infrastructure. **FORMER MILK MONEY RESTAURANT | ±5,700 SF** The former Milk Money restaurant occupies approximately 5,700 SF and features an extensive commercial buildout, including a fully equipped commercial kitchen, substantial built-in bar, spacious dining areas, outdoor patio, and highly desirable drive-thru capability. The existing improvements provide a substantial foundation for a future restaurant, hospitality concept, or other compatible commercial use, subject to applicable zoning and governmental approvals. **THE DRIVE-THRU ADVANTAGE** One of the property's most distinctive features is its existing drive-thru capability. Drive-thru facilities are highly sought after by restaurant operators, quick-service concepts, coffee brands, and franchise groups. Combined with the existing commercial kitchen, ample onsite parking, strong street visibility, and substantial parcel size, this feature enhances the property's appeal and long-term investment potential. Future drive-thru operations remain subject to verification of applicable permits and approvals. **EXISTING INCOME & VALUE-ADD OPPORTUNITY** The property benefits from two established, income-producing commercial tenants, providing an existing revenue stream while offering substantial upside through the approximately 5,700 SF former restaurant premises. For investors, the combination of existing income and vacant commercial space creates an opportunity to increase overall rental revenue and strengthen the property's investment performance. For owner-users, the property offers the potential to establish their own business within the former restaurant premises while benefiting from the income generated by the two existing tenants. **ADDITIONAL PROPERTY HIGHLIGHTS** - Freestanding commercial building with three suites - Two established businesses operating under long-term leases - Approximately 5,700 SF of existing restaurant and hospitality space - Fully built-out commercial kitchen - Substantial built-in bar and dining areas - Outdoor patio - Existing drive-thru capability - Ample onsite parking - Excellent visibility and street frontage - Established customer activity from existing businesses - Significant value-add and income growth potential - Potential owner-user occupancy - Future repositioning or redevelopment potential, subject to applicable approvals **STRATEGIC LOCATION** Situated along Fort Lauderdale's NE 13th Street corridor, the property benefits from its proximity to established residential neighborhoods, restaurants, local businesses, and ongoing commercial investment. Conveniently located near Downtown Fort Lauderdale, Las Olas Boulevard, Flagler Village, Victoria Park, Wilton Manors, Fort Lauderdale Beach, Federal Highway (US-1), and Interstate 95. The surrounding corridor's residential and commercial activity supports the property's long-term appeal for restaurant, retail, hospitality, and service-oriented uses. **INVESTMENT OPPORTUNITY** NE815 | Urban Commons offers a combination of established rental income, substantial existing improvements, and future income potential within a single commercial acquisition. The oversized parcel, freestanding building, existing restaurant infrastructure, and drive-thru capability provide multiple opportunities for investors seeking long-term value creation or owner-users seeking a centrally located commercial property. **SHOWINGS & ADDITIONAL INFORMATION** Showings are strictly by appointment only. Please do not disturb existing tenants, employees, customers, or operating businesses. Additional property information, existing lease details, and appraisal documentation may be made available to qualified prospective buyers upon request. All information is deemed reliable but not guaranteed. Buyers and their representatives must independently verify all information, including building and land measurements, financial information, lease terms, appraisal details, zoning, permitted uses, drive-thru approvals, and future development potential. Any proposed use or redevelopment is subject to applicable governmental approvals. Offering terms and availability are subject to change without notice.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 10%
The seller has come down from $5,350,000 to $4,795,000 — a $555,000 reduction since it came on the market.
277 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
815 NE 13th Street, Fort Lauderdale, FL 33304 · Fort Lauderdale
Location
815 NE 13th Street, Fort Lauderdale, FL 33304
What buyers ask about this home
What are the estimated monthly carrying costs at 815 NE 13th Street, Fort Lauderdale, FL 33304?+
Property tax (after sale): $6,947/month est.; homeowners insurance: $1,998/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $8,945/month est. Principal and interest: $24,880/month; PMI: $0/month. Total for the payment scenario shown: $33,825/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 815 NE 13th Street, Fort Lauderdale, FL 33304?+
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 815 NE 13th Street, Fort Lauderdale, FL 33304 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 815 NE 13th Street, Fort Lauderdale, FL 33304?+
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.
Is there room to negotiate on 815 NE 13th Street, Fort Lauderdale, FL 33304?+
This listing has been on the market 277 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
North Side Elementary School
Elementary · 0.6 mi from this home · 120 Ne 11Th St, Fort Lauderdale
Sunrise Middle School
Middle school · 0.8 mi from this home · 1750 Ne 14Th St, Fort Lauderdale
Fort Lauderdale High School
High school · 0.5 mi from this home · 1600 Ne 4Th Ave, Fort Lauderdale
Zone boundaries published by Broward County Public Schools.
Other options for this address
Mount Bethel Christian Academy
Elementary · Private · Christian · Grades PK–7 · Fort Lauderdale
Somerset Academy Village Charter Middle School
Middle school · Charter · Grades 6–8 · Wilton Manors
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
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
Lighthouse Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades 4–12 · Oakland Park
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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