Gated community home — 9181 Carlyle Avenue · Altos Del Mar · Surfside
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 9181 Carlyle Avenue, Surfside, FL 33154
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$3,870,000
9181 Carlyle Avenue, Surfside, FL 33154
Surfside, FL, 33154
Listed by Douglas Elliman
9181 Carlyle Avenue, Surfside, FL 33154
Listed by Douglas Elliman
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
- $20,081/mo
- Property tax (after sale) est.
- $4,410/mo
- Homeowners insurance est.
- $489/mo
- HOA
- $0/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
9181 Carlyle Avenue, Surfside, FL 33154
Estimated cash to close est.
$823,420.33
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): $3,096,000.00
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.
$823,420.33
- Down payment est.
- $774,000.00
- Mortgage note documentary stamps est.
- $10,836.00
- Mortgage intangible tax est.
- $6,192.00
- 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.
- $12,250.00
- 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.
- $8,819.00
- Insurance escrow (2 months) est.
- $978.33
- First-year insurance premium est.
- $5,870.00
- 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.
- $489 / 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 22, 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 22, 2026
- Roof type
- Concrete
- Roof year
- 2021 (assumed from year built)
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Blinds
- Year built
- 2021
Homeowners insurance: $489 / month est.
- Annual premium est.
- $5,565
- Fees & taxes est.
- $305
- Annual total est.
- $5,870
- Likely range est.
- $4,990–$7,044
- Dwelling coverage est.
- $1,010,354
- Other structures est.
- $20,207
- Personal property est.
- $202,071
- Loss of use est.
- $101,035
- Hurricane deductible (2%) est.
- $20,207
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: 2,727 sq ft · built 2021 · 2 stories · roof from 2021 · 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 · inland 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 homesExceptional Newer Construction in the Heart of Surfside. Located in one of Surfside's best pockets, just a few blocks from the beach and shops, this exceptional residence offers the rare combination of newer construction, impeccable finishes, and an ideal location in coveted 33154. Thoughtfully and meticulously finished by its current owner, the home showcases high-end materials and sophisticated design throughout, with a great floorplan. Featuring four bedrooms, with three bedrooms upstairs and a private bedroom downstairs, providing an ideal separation of living and sleeping spaces. Large glass sliding doors open to a beautiful backyard with a private pool and bbq area which creates a tranquil outdoor retreat just moments from the ocean.A comprehensive security system, smart-home technology and integrated communications wiring, allow for seamless connectivity throughout the residence. The gated entrance and covered carport easily accommodate 4-5 vehicles.The location is truly exceptional—with the town of Surfside, Bal Harbor, shops, beaches, markets, schools and houses of worship all nearby. A rare opportunity to own a beautifully finished, move-in-ready home in one of Miami’s most desirable and accessible residential neighborhoods.
Property Details
Dogs
Welcome here
Cats
Welcome here
9181 Carlyle Avenue, Surfside, FL 33154 · Surfside
Location
9181 Carlyle Avenue, Surfside, FL 33154
What buyers ask about this home
What are the estimated monthly carrying costs at 9181 Carlyle Avenue, Surfside, FL 33154?+
Property tax (after sale): $4,410/month est.; homeowners insurance: $489/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $4,899/month est. Principal and interest: $20,081/month; PMI: $0/month. Total for the payment scenario shown: $24,979/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 9181 Carlyle Avenue, Surfside, FL 33154?+
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 9181 Carlyle Avenue, Surfside, FL 33154 need flood insurance, and what drives the premium?+
Most of Surfside 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 9181 Carlyle Avenue, Surfside, FL 33154?+
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 pool at 9181 Carlyle Avenue, Surfside, FL 33154?+
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 9181 Carlyle Avenue, Surfside, FL 33154?+
This listing has been on the market 6 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 Surfside, 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
Ruth K. Broad Bay Harbor K-8 Center
Elementary · 0.6 mi from this home · 1155 93Rd St, Bay Harbor Islands
Nautilus Middle
Middle school
North Miami Beach Senior High
High school · 4.7 mi from this home · 1247 Ne 167Th St, North Miami Beach
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
Yeshiva Toras Chaim Toras Emes Rohr Middle School
Middle school · Private · Jewish · Grades 6–8 · North Miami Beach
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.
Simon Gedz
Realtor® since 1995
Interested in this property?
$3,870,000 · MLS A12107796
$3,870,000
9181 Carlyle Avenue
9217 Bay Drive, Surfside, FL 33154
Listed by The Brokerage South Florida Real Estate, LLC.
ALTOS DEL MAR NO 5
3 bd · 4 ba · 1,869 sq ft
$3,299,000
View details8945 Dickens Avenue, Surfside, FL 33154
Listed by GuildStone Group LLC
SECOND AMD PLAT OF NORMAN
3 bd · 2 ba
$3,600,000
View details9416 Abbott Avenue, Surfside, FL 33154
Listed by Keller Williams Eagle Realty
ALTOS DEL MAR NO 6
5 bd · 5 ba
$4,000,000
View details9280 Byron Avenue, Surfside, FL 33154
Listed by The Brokerage South Florida Real Estate, LLC.
ALTOS DEL MAR NO 5
6 bd · 6 ba · 4,077 sq ft
$4,999,000
View details8901 Hawthorne Avenue, Surfside, FL 33154
Listed by Douglas Elliman
SECOND AMD PLAT OF NORMAN
3 bd · 4 ba · 2,151 sq ft
$2,675,000
View details8818 Carlyle Avenue, Surfside, FL 33154
Listed by Keller Williams Eagle Realty
SECOND AMD PLAT OF NORMAN
3 bd · 2 ba · 1,418 sq ft
$2,400,000
View details