13040 N Bayshore Dr, North Miami FL 33181, NORTH MIAMI, FL, 33181
Active95 days on marketListed May 15, 2026MLS #A12019361
About this home
13040 N Bayshore Dr, North Miami FL 33181
Beautifully designed Key West-style waterfront home blending timeless architecture with the best of South Florida living. This spacious five bedroom, four-bathroom residence offers an effortless indoor-outdoor lifestyle, with warm coastal charm, inviting living spaces, and a layout designed for both relaxed everyday living and entertaining. Set along 75 feet of prime waterfront, the property seamlessly connects to the tranquil canal with beautifully maintained outdoor spaces and a very spacious backyard that captures the essence of luxury island living. Rich in character and filled with natural light, this residence is located within the gated community of Keystone, offering a rare combination of privacy, charm, and true waterfront living in one of the area’s most desirable settings.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,542
Sqft
2
Garage
2015
Year built
$1,553
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.
$36,738 /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
$36,738/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
+105.4%
$/sqft vs North Miami actives
$1,553 vs $267
Days on market
95 vs 78 typical
Where $1,553/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 2957% 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 13040 N Bayshore Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$2,300,000
13105 Coronado Dr, North Miami FL 33181 · same community
3 bd · 2 ba · 2,412 sqft · $954/sqft · 89 DOM
Sold · Jul ’26$12,500,000
13000 N Bayshore Dr, North Miami FL 33181 · same community
7 bd · 7.5 ba · 6,718 sqft · $1,861/sqft · 160 DOM
Sold · May ’26$2,275,000
Nearby listing
3 bd · 3 ba · 3,525 sqft · $645/sqft
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 13040 N Bayshore Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13040 N Bayshore Dr — 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
13040 N Bayshore Dr FAQs
What would the monthly payment be for 13040 N Bayshore Dr, North Miami FL 33181?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $36,738/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 13040 N Bayshore Dr, North Miami FL 33181?+
The most recent tax bill on record (2025) was $58,054. 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 $5,500,000, this home is listed about 1764% 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 13040 N Bayshore Dr, 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.
Keep looking
Similar homes nearby
Listing courtesy of The Brokerage South Florida Real Estate, LLC. · Joel Lusky. MLS #A12019361.
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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