12945 Cherry Rd, North Miami FL 33181, NORTH MIAMI, FL, 33181
Active176 days on marketListed Feb 13, 2026MLS #A11964843
About this home
12945 Cherry Rd, North Miami FL 33181
Beautiful Waterfront property located in the highly sought out gated community of Keystone Point! Corner home featuring a great spacious layout with tons of natural light, renovated bathrooms, shiny pristine well maintained terrazo floors, spacious kitchen, large pool, 1 car garage, large driveway with plenty of parking, dock for your boat with direct access to Biscayne Bay and Haulover Inlet in minutes! No fixed bridges. Great location centrally located near Bal Harbor, Aventura Mall, restaurants, beaches, grocery stores, and more. Whether you’re a home buyer seeking to create your forever home or an investor looking for your next project, this property delivers outstanding potential in an exceptional location. Don’t miss this rare chance to invest in a high-demand area with strong future value.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,143
Sqft
1
Garage
1955
Year built
$1,155
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$14,958 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$14,958/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+90.7%
$/sqft vs North Miami actives
$1,155 vs $267
Days on market
176 vs 78 typical
Where $1,155/sqft sits among the 365 North Miami actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Keystone Point
Get to know North Miami. See the full North Miami guide →
Keystone Point — neighborhood snapshot
Population
2,029
Median age
40
Median income
$102,460
Median home value
$1,158,300
Avg household
2
Households w/ children
162
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The North Miami market
$555K → $538K
North Miami median sold, yr/yr
95.4%
Sale-to-list ratio (12 mo)
30 of 365
North Miami actives have cut their price
Median sold price, North Miami, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1276% above the NORTH MIAMI 33181 median. See the full North Miami market guide →
Paper trail
This home's history
Reality check
What actually sold near 12945 Cherry Rd
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$2,650,000
12900 Ixora Cir, North Miami FL 33181 · same community
2 bd · 3 ba · 2,472 sqft · $1,072/sqft · 20 DOM
Sold · Oct ’25$940,000
12942 Ixora Rd, North Miami FL 33181 · same community
3 bd · 2 ba · 1,620 sqft · $580/sqft · 32 DOM
Sold · Apr ’26$4,600,000
2125 Ixora Rd, North Miami FL 33181 · same community
6 bd · 5.5 ba · 4,147 sqft · $1,109/sqft · 48 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 12945 Cherry Rd — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12945 Cherry Rd — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
12945 Cherry Rd FAQs
What would the monthly payment be for 12945 Cherry Rd, North Miami FL 33181?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,958/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 12945 Cherry Rd, North Miami FL 33181?+
The most recent tax bill on record (2025) was $6,182. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in North Miami?+
At $2,475,000, this home is listed about 739% above the North Miami median of $295,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12945 Cherry Rd, North Miami FL 33181?+
David Lawrence Junior K-8 Center (elementary), North Miami Middle School (middle), Alonzo & Tracy Mourning Senior High School (high), District Instructional Center (Dic) (), Instructional Center System Wide (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$2,475,000 runs 1276% above the NORTH MIAMI 33181 median — but at 2,143 sqft it's also nearly twice the size of the typical North Miami listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
176 days on market against a North Miami median of 78 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Florida Realty of Miami Corp · Maria Pereira. MLS #A11964843.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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