646 NE 81st St, Miami FL 33138, MIAMI, FL, 33138
Active61 days on marketListed Jun 8, 2026MLS #A12029329
About this home
646 NE 81st St, Miami FL 33138
Private gated English Tudor estate on a rare 17,000+ SF triple lot in Miami’s coveted Upper East Side. Offering more than 3,500 square feet of living space, this beautifully renovated residence blends timeless architectural character with modern upgrades and expansive outdoor living. Recent improvements include wide-plank European flooring throughout, impact windows and doors, a new inverter A/C system, and a renovated chef’s kitchen featuring Sub-Zero refrigeration, a six-burner gas range with double ovens, and a distinctive poured-concrete floor. Original Tudor details and a classic fireplace add warmth and character throughout the home. Designed for the South Florida lifestyle, a spacious covered patio overlooks the heated glass-tiled saltwater pool, creating the perfect setting for entertaining and year-round enjoyment. Lush tropical landscaping and producing mango, avocado and coconut trees create a private, resort-like setting. Adding remarkable flexibility, the detached, fully independent two-story guest house offers more than 700 square feet of additional living space with its own entrance, full kitchen, bedroom, 1.5 bathrooms, laundry, and separate living area, ideal for guests, extended family, a private office, gym, creative studio, or income-producing opportunity. Close to the Design District and Wynwood, this rare offering combines privacy, space, character, and convenience in one of Miami’s most desirable neighborhoods. A Beautiful Miami Home! Make It Rein!
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
3,530
Sqft
1925
Year built
$694
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.
$15,463 /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
$15,463/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.
$/sqft vs SHORECREST
$694 vs $663
Days on market
61 vs 66 typical
Where $694/sqft sits among the 7 homes for sale in SHORECREST
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)
0 of 7
SHORECREST have cut their price
Median sold price, Miami, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 643% above the MIAMI 33138 median. See the full Miami market guide →
Paper trail
This home's history
Reality check
What actually sold near 646 NE 81st St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$2,590,000
741 NE 80th St, Miami FL 33138 · same community
4 bd · 4 ba · 3,168 sqft · $818/sqft · 200 DOM
Sold · Mar ’26$1,150,000
813 NE 81st St, Miami FL 33138 · same community
5 bd · 3.5 ba · 3,123 sqft · $368/sqft · 3 DOM
Sold · Nov ’25$1,102,500
820 NE 80th St, Miami FL 33138 · same community
4 bd · 3 ba · 2,638 sqft · $418/sqft · 200 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 646 NE 81st St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 646 NE 81st 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
646 NE 81st St FAQs
What would the monthly payment be for 646 NE 81st St, Miami FL 33138?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,463/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 646 NE 81st St, Miami FL 33138?+
The most recent tax bill on record (2025) was $13,966. 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 $2,450,000, this home is listed about 302% above the Miami median of $610,000. The market section on this page shows how the area is trending.
Which schools are assigned to 646 NE 81st 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
Three things that matter here
01Positioned at the premium end
$2,450,000 runs 643% above the MIAMI 33138 median — but at 3,530 sqft it's also nearly 3 times the size of the typical Miami listing.
02Garden & Pool views
The garden and pool view is part of what you're buying — views hold value independently of the structure.
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.
Keep looking
Similar homes nearby
Listing courtesy of Keller Williams Miami Beach · Kathrin Rein. MLS #A12029329.
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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