1028 NE 84th St, Miami FL 33138, MIAMI, FL, 33138
Active157 days on marketListed Mar 6, 2026MLS #A11977095
About this home
1028 NE 84th St, Miami FL 33138
Located in the highly desirable Shorecrest / Davis Harbor neighborhood, this beautifully restored waterfront residence sits on an oversized 13,248 square foot lot with 72 Feet of Waterfront and No Fixed Bridges, offering easy Direct Access to Biscayne Bay. The property has 2,898 total square feet of living area according to the survey and appraisal. The main home features 3 bedrooms and 2 bathrooms with bright, open living spaces that blend classic architectural charm with modern comfort. A detached 1-bedroom, 1-bathroom guest house with a fully equipped kitchenette provides the perfect space to host visitors. Surrounded by lush landscaping and designed for both relaxing and entertaining, this property presents a rare opportunity to enjoy Private Waterfront Living in one of Miami’s most charming residential neighborhoods.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,898
Sqft
4
Garage
1924
Year built
$1,207
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.
$24,472 /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
$24,472/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
+74.7%
$/sqft vs Miami actives
$1,207 vs $513
Days on market
157 vs 66 typical
Where $1,207/sqft sits among the 400 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 Upper Eastside
Get to know Miami. See the full Miami guide →
Upper Eastside — neighborhood snapshot
Population
14,642
Median age
43
Median income
$80,911
Median home value
$854,030
Avg household
2
Households w/ children
1,433
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Miami market
$508K → $590K
Miami median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
35 of 400
Miami actives have cut their price
Median sold price, Miami, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 960% above the MIAMI 33138 median. See the full Miami market guide →
Paper trail
This home's history
Reality check
What actually sold near 1028 NE 84th St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$2,055,000
731 NE 70 St, Miami FL 33138
5 bd · 3.5 ba · 2,916 sqft · $705/sqft · 164 DOM
Sold · Apr ’26$1,900,000
7431 Center Bay Dr, North Bay Village FL 33141
3 bd · 3 ba · 2,926 sqft · $649/sqft · 13 DOM
Sold · Dec ’25$6,500,000
1070 Belle Meade Island Dr, Miami FL 33138
3 bd · 3 ba · 2,860 sqft · $2,273/sqft · 268 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 1028 NE 84th St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1028 NE 84th St — 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
1028 NE 84th St FAQs
What would the monthly payment be for 1028 NE 84th St, Miami FL 33138?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $24,472/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 1028 NE 84th St, Miami FL 33138?+
The most recent tax bill on record (2025) was $49,435. 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 Miami?+
At $3,499,000, this home is listed about 474% above the Miami median of $610,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1028 NE 84th St, Miami FL 33138?+
Morningside K-8 Academy (elementary), District Instructional Center (Dic) (), Horace Mann Middle School (middle), Booker T. Washington Senior High (high), 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
Five things that matter here
01Positioned at the premium end
$3,499,000 runs 960% above the MIAMI 33138 median — but at 2,898 sqft it's also nearly 2 times the size of the typical 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
157 days on market against a Miami median of 66 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Morningside K-8 Academy, District Instructional Center (Dic), Horace Mann Middle School, Booker T. Washington Senior High, Instructional Center System Wide, Title I Migrant Education Program — Morningside K-8 Academy rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $3,690,000, now $3,499,000 — a $191K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Realty · Attila Yildiz. MLS #A11977095.
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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