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8415 Harding Ave #15
Miami Beach, FL 33141
Listing courtesy of Keller Williams Eagle Realty (Ana Patricia Cruz). Contact: [email protected].
Charming 1-Bedroom Residence Steps from the Beach Unique and full of character, this 1-bedroom, 2-full-bath residence offers a flexible layout in a fantastic Miami Beach location. The apartment features beautiful original Dade County pine throughout, adding warmth and historic charm. The residence includes a full kitchen, plus a Murphy bed and additional kitchenette in the living area, providing excellent flexibility for guests, a home office, or separate living space. With two separate entrances, the layout offers added privacy and versatility. Ideally located on Harding Avenue at 84th Street, directly across from the park and beach, you can enjoy the best of the Miami Beach lifestyle just steps from your door. Conveniently situated near Bal Harbor Shops, restaurants, cafés, shopping, FIU’s Biscayne Bay Campus, Mount Sinai Medical Center, Aventura Mall, and Biscayne Boulevard, with easy access to surrounding Miami neighborhoods. A distinctive Miami Beach property combining location, character, and a versatile floor plan—perfect as a primary residence, vacation home, or investment opportunity.
- Principal and interest
- $1,593
- Property tax
- $422
- Homeowners insurance
- $200
- HOA
- $871
An estimate, not a loan offer. The rate and insurance are assumptions to edit with your own quotes; Florida insurance varies widely by age, construction and distance to the coast. Flood insurance and PMI are not included.
Estimate: the price times the Miami-Dade County average total millage (18.49 mills, Florida Department of Revenue, 2025 average total millage by county), less the homestead exemptions. The actual bill depends on the city, the assessed value and special assessments. Save Our Homes then caps annual assessment increases at 3% or inflation, whichever is lower.
Inside the 1% annual chance floodplain. Lenders require flood insurance on a financed home; ask for the elevation certificate.
Sources: FEMA National Flood Hazard Layer and the Florida Division of Emergency Management evacuation zones, looked up at the listing point. Confirm with an elevation certificate and your insurer.
- Base flood elevation
- 8 ft (NGVD29)
- Ground elevation
- 3.9 ft
- Distance to the coast
- 0.1 mi
- NFIP flood policies nearby
- $440 to $970 a year
Bare ground at the point (USGS 3DEP, NAVD88), not the finished floor.
Straight line to the nearest salt-water shoreline (ocean, bay or lagoon).
Middle half of 284 NFIP condo unit policies in ZIP 33141, A zones, policies effective 2025-10-01 to 2026-10-01. What owners paid, not a quote for this home.
Sources: FEMA National Flood Hazard Layer (panel 12086C0326L, effective 2009-09-11), USGS 3DEP, Florida Division of Emergency Management, OpenStreetMap coastline, FEMA OpenFEMA NFIP policies. Checked 2026-10-02. Wind and homeowners premiums are not shown: no public source publishes them at this level, and they vary with roof age, construction and the carrier. Public map data looked up at this location, not a survey or an insurance quote. Confirm with an elevation certificate, the county and your insurer. FEMA flood map
This building was built in 1947, according to the county property appraiser.
If it has three or more habitable stories, Florida law (s. 553.899, F.S.) requires a milestone structural inspection by December 31 of the year it reaches 30 years of age, then every 10 years; for a building of this age the first one was due by December 31, 2024. A local building official may require it at 25 years near salt water.
Condominium buildings of three or more stories also need a structural integrity reserve study (s. 718.112(2)(g), F.S.) at least every 10 years; associations formed on or before July 1, 2022 had to complete one by December 31, 2025.
Dates follow from the statutes and the year the county appraiser lists for the building, not from the association's records. Ask the association for its milestone inspection report, its most recent structural integrity reserve study and any approved or proposed special assessments, and review them before you buy.
Listing data provided by the Southeast Florida Multiple Listing Service (MIAMI REALTORS®). The data is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and is deemed reliable but is not guaranteed accurate by the MLS. Atlantic Luxury Advisors is a real estate team at Keller Williams Realty. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.