815 NE 76th St, Miami FL 33138, MIAMI, FL, 33138
Active106 days on marketListed Apr 24, 2026MLS #A12007216
About this home
815 NE 76th St, Miami FL 33138
Fully renovated waterfront residence in the gated community of Belle Meade, set on one of the highest elevation lots in the neighborhood. Positioned above current flood requirements and eligible for a favorable flood certificate, offering a rare advantage for waterfront ownership in Miami. Completed in 2020, this fully permitted renovation included all new electrical, plumbing, and structural upgrades. The home features a new roof, dual HVAC systems, tankless water heaters, buried FPL power lines, and hurricane impact windows and doors throughout. The interior showcases a custom Italkraft kitchen with Sub-Zero and Wolf appliances including convection oven, steam oven, warming drawer, and wine storage. Natural stone finishes, a custom wood bar, and spa-style bathrooms with Hansgrohe fixtures elevate the design. Smart home features include Lutron lighting, Cat 5 wiring, and a multi-zone Sonos sound system inside and out. Outdoor living is equally impressive with a saltwater pool, electric heater, outdoor kitchen, and professionally landscaped grounds. The new composite dock includes a 27,000 lb boat lift & 76 feet of water frontage, power, water, and lighting, ideal for boaters. Turnkey, high-elevation waterfront living in one of Miami’s most sought-after gated enclaves.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,309
Sqft
2020
Year built
$1,964
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.
$39,280 /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
$39,280/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
+164.1%
$/sqft vs Miami actives
$1,964 vs $513
Days on market
106 vs 66 typical
Where $1,964/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 1870% above the MIAMI 33138 median. See the full Miami market guide →
Paper trail
This home's history
Reality check
What actually sold near 815 NE 76th St
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$2,750,000
7701 NE 8th Ave, Miami FL 33138 · same community
4 bd · 2 ba · 2,305 sqft · $1,193/sqft · 82 DOM
Sold · May ’26$3,600,000
5600 N Bayshore Dr, Miami FL 33137
4 bd · 3.5 ba · 3,421 sqft · $1,052/sqft · 58 DOM
Sold · Mar ’26$1,500,000
754 NE 71st St, Miami FL 33138
5 bd · 3 ba · 3,192 sqft · $470/sqft · 166 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 815 NE 76th St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 815 NE 76th 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
815 NE 76th St FAQs
What would the monthly payment be for 815 NE 76th St, Miami FL 33138?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $39,280/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 815 NE 76th St, Miami FL 33138?+
The most recent tax bill on record (2025) was $19,311. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 815 NE 76th St, Miami FL 33138?+
The listing reports pets: Restrictions Or Possible Restrictions. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Miami?+
At $6,500,000, this home is listed about 966% above the Miami median of $610,000. The market section on this page shows how the area is trending.
Which schools are assigned to 815 NE 76th 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
Four things that matter here
01Positioned at the premium end
$6,500,000 runs 1870% above the MIAMI 33138 median — but at 3,309 sqft it's also nearly 3 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.
03Strong 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.
04The price has already moved
Listed at $6,975,000, now $6,500,000 — a $475K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Serhant · Jason Sims. MLS #A12007216.
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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