13305 Biscayne Island Ter, North Miami FL 33181, NORTH MIAMI, FL, 33181
Active70 days on marketListed Jun 8, 2026MLS #A12032670
About this home
13305 Biscayne Island Ter, North Miami FL 33181
*MOTIVATED SELLER* Deeded Dock for BIG YATCHS and 24,000lbs. BOAT LIFT. Experience the ultimate South Florida waterfront lifestyle in this beautifully renovated canal-front residence located in the prestigious gated community of Keystone Point. Situated on an oversized 15,000± SF lot with direct ocean access and no fixed bridges, this exceptional property is a true boater’s dream with unrestricted salt water access, close to Halover’s sandbar and quick main canal access. Offering 4 bedrooms, 3 full baths, and nearly 3,200 SF of living space, the home features abundant natural light, and a seamless open layout designed for both comfortable living and entertaining. Parking for 10 vehicles. High-impact windows and sliding glass doors provide peace of mind while showcasing beautiful water views throughout. The resort-style backyard is highlighted by a sparkling pool overlooking the canal, creating the perfect setting for outdoor dining, relaxing, and enjoying Miami’s year-round sunshine. Whether departing by boat for a day on the water or entertaining guests poolside, this home delivers an unmatched waterfront lifestyle. Ideally located close to Bal Harbour, Aventura, Sunny Isles Beach, world-class shopping and fine dining. Opportunities to own a move-in-ready waterfront home with an oversized lot and unrestricted ocean access are increasingly rare. A truly exceptional property where luxury, boating, privacy, and location come together in one remarkable offering.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2
Garage
1971
Year built
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.
$30,024 /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
$30,024/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.
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)
Median sold price, North Miami, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2401% 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 13305 Biscayne Island Ter
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$4,512,000
1177 Kane Concourse # 505, Bay Harbor Islands FL 33154
3 bd · 3.5 ba · 98 DOM
Sold · May ’26$3,147,000
1177 Kane Concourse # 504, Bay Harbor Islands FL 33154
3 bd · 3.5 ba · 15 DOM
Sold · Nov ’25$700,000
1150 101st St # 303, Bay Harbor Islands FL 33154
3 bd · 2 ba · 1,304 sqft · $537/sqft · 107 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 13305 Biscayne Island Ter — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13305 Biscayne Island Ter — 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
13305 Biscayne Island Ter FAQs
What would the monthly payment be for 13305 Biscayne Island Ter, North Miami FL 33181?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $30,024/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 13305 Biscayne Island Ter, North Miami FL 33181?+
The most recent tax bill on record (2025) was $46,805. 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 $4,499,000, this home is listed about 1425% 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 13305 Biscayne Island Ter, 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
$4,499,000 runs 2401% above the NORTH MIAMI 33181 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $4,799,000, now $4,499,000 — a $300K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Beachfront Realty Inc · Alan Orozco. MLS #A12032670.
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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