9540 Bay Dr, Surfside FL 33154, SURFSIDE, FL, 33154
Active220 days on marketListed Dec 16, 2025MLS #A11916061
About this home
9540 Bay Dr, Surfside FL 33154
This nearly completed modern estate by Kobi Karp offers 13,060 SF of stunning architecture, gleaming sunsets, and seamless indoor-outdoor living. Designed as a private resort on a rare 22,750 SF double lot in walkable Surfside, with 125’ of intracoastal waterfront, this 7-bed, 9.5 bath residence features a showstopping great room, first floor junior primary suite, Italian millwork and exquisite marble throughout, home gym with sauna/steam, office, cabana, pajama lounge, and home theater. Towering glass walls fade into the horizon, framing wide-bay views with plentiful natural light. A breathtaking infinity pool, spa, and yacht-ready dock overlooking the wide waterway make this the ultimate waterfront retreat.
Facts & features
The home at a glance
7
Bedrooms
10
Bathrooms
13,060
Sqft
5
Garage
2026
Year built
$2,986
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.
$235,545 /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
$235,545/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 Surfside actives
$2,986 vs $811
Days on market
220 vs 41 typical
Where $2,986/sqft sits among the 103 Surfside 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 Surfside
Get to know Surfside. See the full Surfside guide →
SURFSIDE 33154 — neighborhood snapshot
Population
14,435
Median age
40.9
Median income
$87,806
Median home value
$741,400
Avg household
2.58
Households w/ children
1,804
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Surfside market
3 of 103
Surfside actives have cut their price
This home is listed 11075% above the SURFSIDE 33154 median. See the full Surfside market guide →
Paper trail
This home's history
Reality check
What actually sold near 9540 Bay Dr
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$1,507,425
9473 Byron Avenue, Surfside FL 33154 · same community
3 bd · 2 ba · 1,798 sqft · $838/sqft · 2 DOM
Sold · May ’26$1,250,000
9508 Byron Ave, Surfside FL 33154 · same community
2 bd · 2 ba · 1,322 sqft · $946/sqft · 1 DOM
Sold · Jun ’26$42,973,750
56 Bal Bay Dr, Bal Harbour FL 33154
7 bd · 8.5 ba · 10,801 sqft · $3,979/sqft · 2 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 9540 Bay Dr — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9540 Bay Dr — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
9540 Bay Dr FAQs
What would the monthly payment be for 9540 Bay Dr, Surfside FL 33154?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $235,545/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 9540 Bay Dr, Surfside FL 33154?+
The most recent tax bill on record (2025) was $123,815. 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 Surfside?+
At $39,000,000, this home is listed about 5923% above the Surfside median of $647,500. The market section on this page shows how the area is trending.
Which schools are assigned to 9540 Bay Dr, Surfside FL 33154?+
Ruth K. Broad Bay Harbor K-8 Center (elementary), Miami Beach Nautilus Middle School (middle), Miami Beach 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
Four things that matter here
01Positioned at the premium end
$39,000,000 runs 11075% above the SURFSIDE 33154 median — but at 13,060 sqft it's also nearly 12 times the size of the typical Surfside listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
220 days on market against a Surfside median of 41 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Ruth K. Broad Bay Harbor K-8 Center, Miami Beach Nautilus Middle School, Miami Beach Senior High School, District Instructional Center (Dic), Instructional Center System Wide, Title I Migrant Education Program — Ruth K. Broad Bay Harbor K-8 Center rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Coldwell Banker Realty · Jonathan Mann. MLS #A11916061.
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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