1 / 288950 Harding Ave, Surfside FL 33154
Surfside, FL
List Price
$1,599,000
Type
Single Family
Bedrooms
4
Bathrooms
3
Price / SqFt
$834/sqft
Price reduction
15.6% below original list — was $1,895,000
From the listing
I am pleased to present this lovely, spacious home located in the heart of Surfside, Florida. Perfectly situated for those who love the coastal lifestyle, this property allows you to spend your days at the beach, as it is located literally two blocks from the ocean. This well-maintained residence features a bright and open layout, including a spacious kitchen, dining room, living room, and an additional den. Originally a 3-bedroom, 2-bathroom home, the garage has been converted into a 4th bedroom. This additional room features its own separate entrance, making it an ideal space for guests or an in-law suite. Key features of the home include: - Spacious Interior: Larger than many typical Surfside homes and shows beautifully. - Recent Upgrades: Features a brand-new roof. - Prime Location: A short walk to the Bal Harbour Shops, Publix, and the Surfside Community Center. - Community Centered: Conveniently located within walking distances to houses of worship. This is truly a wonderful family home in one of South Florida’s most desirable neighborhoods. Please let me know if you would like to schedule a viewing or if you have any questions.
Property Information
- Square Feet
- 1,917
- Units
- 1
- Days on Market
- 128
- Status
- active
Location
- County
- Miami-Dade County
- Zip Code
- 33154
- Coordinates
- 25.8757, -80.1227
Represented by Academia
Academia Real Estate Corp can represent you on this property. Use the inquiry form to have a licensed broker reach out with full details and next steps.
Permit history
Permit records
Live permit data isn’t available via open data for this jurisdiction yet — check the official record directly.
Private inquiry
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Why this deal
- 15.6% off original list price
- Value-add opportunity
- Represented end-to-end by Academia
- Active listing — move quickly
Deal Score
56/100
Fair
is scored →
Scored neutral: our comparable-sale selection is being rebuilt so that it no longer references the asking price, and we will not score equity from an estimate we are not willing to publish.
15.6% off original list (full marks at 25%+).
128 days on market (full marks at 120+ — more time = more leverage).
No explicit distress language in the public remarks.
A screen of the public MLS data we have — not an appraisal, valuation, or investment advice. Factors marked “assumed” were missing from the feed and scored neutral.
Deal scorecard
How four stakeholders read this deal
Risks
- Thin estimated equity (<10%) — limited margin for error
- Roof age ~54 yr — approaching or beyond Citizens' 25-yr eligibility threshold; may require replacement or Citizens' roof inspection
- Flood zone AE — mandatory flood insurance required (NFIP or private); adds to carrying cost
What a super-investor sees
Investor
Investor equity estimate based on ARV from closed MLS comps minus list price and estima…
- Thin estimated equity (<10%) — limited margin for error
What a bank sees
Lender / financing
Lender financeability estimate based on list price, ARV, and condition signals. Not a f…
What an insurer sees
Insurance / 4-point
Insurability read from roof, electrical, plumbing and HVAC ages in the public record. M…
- Roof age ~54 yr — approaching or beyond Citizens' 25-yr eligibility threshold; may require replacement or Citizens' roof inspection
- Flood zone AE — mandatory flood insurance required (NFIP or private); adds to carrying cost
What a GC / AHJ sees
Permits / condition
Permit records for Surfside are not machine-readable by us yet, so no permit search was run. Verify directly with the building department.
4-point — last permit
- Roofnot covered
- Electricalnot covered
- Plumbingnot covered
- HVACnot covered
Estimates from public data — not an appraisal, insurance quote, or financing commitment. Insurability as of 2026-10-18. Verify with licensed professionals.
Deal calculator
Value-add deal calculator
8950 Harding Ave, Surfside FL 33154, Surfside, FL
ARV is seeded from the asking price, not from comps — enter your own after-repair value. We are rebuilding comparable-sale selection so it no longer references the ask, and we will not pre-fill this field from an estimate we are not publishing.
Recommended max offer
$1,015,020
Room vs list (above list)
$583,980
Est. equity
-$214,980
-13% of ARV, at list
ROC at list
-12%
Est. all-in at list
$1,813,980
list + rehab + txn + carry
70% rule MAO
$1,097,300
Estimates only — not investment advice or an offer. ARV is drawn from recent closed comps; rehab from a rate-card range. Verify ARV, rehab, and all costs with a licensed professional before acting.