8827 Harding Ave, #1, Surfside (Miami Beach), FL 33154 Property Records

Miami-Dade County property record for 8827 Harding Ave, #1, Surfside, FL 33154

Property Summary

Property Type	Condominium
Details	4 bd · 2.5 ba · 1,920 sqft · built 1980
Owner	Individual Name on File
Last Sale	$670,000 (Feb 2021)
Tax Bill	$9,477 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Feb 2021 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`14-2235-040-0010`

Property Details

APN / Parcel Number

Primary APN	`14-2235-040-0010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,920 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Condo/Apartment

Location & Zoning

Street Address	8827 HARDING AVE, 1
City	SURFSIDE
State	FL
Zip	33154-3418
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	5700
Legal Description	JOEL CONDO UNIT 1 UNDIV 50% INT IN COMMON ELEMENTS OFF REC 11843-1890 FAU 14-2235-005-0341 OR 14581-2318 0590 1
Legal Range	42E
Legal Township	52S
Legal Section	35
Legal Subdivision	JOEL CONDO
Legal Block	5
Jurisdiction	DADE FL
Township / Civil Division	MIAMI BEACH
Census Block Group	5
Census Block	5023
Census Tract	3804

Owner

Source: Miami-Dade County records, as of October 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	8827 HARDING AVE, 1, SURFSIDE, FL 33154-3418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2018	Deed of Trust, Mortgage · ARM LUXURY MORTGAGE CORP
Feb 11, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
May 9, 2018	Warranty Deed, Transfer · ARM LUXURY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 11, 2021 · Amount on File
Deed Sale	Feb 11, 2021 · Amount on File
Prior Sale	May 9, 2018 · Amount on File
Deed Document Number	2021110576
Deed Book / Page	32347 / 1623
Prior Transfer Date	Apr 1, 2015
Prior Transfer Doc	0000220180
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	8827 HARDING AVE # 1, 1, SURFSIDE, FL 33154-3418
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000335278
Date	Jun 7, 2018
Book Page	31004/3107
Instrument	2018R0335278

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company
Address	STAMFORD, CT 06901

Agreement

Type	ARM
Amount	Amount on Record
Term	359 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	May 1, 2023
Change Frequency	Annually
Min Rate At Change	6.87%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	11.8%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	Feb 11, 2021
Property Address	8827 HARDING AVE # 1, 1, SURFSIDE, FL 33154-3418
Document Number	0000110576
Book / Page	32347 / 1623
Map Reference	MB 11843 PG 1890
Instrument Date	Feb 3, 2021
Instrument	2021R0110576
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$4,020.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1160 KANE CONCOURSE STE 301, 1160, BAY HARBOR ISLANDS, FL 33154-2059

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8827 HARDING AVE # 1, 1, SURFSIDE, FL 33154-3418

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DADE FL
Recording Date	May 9, 2018
Property Address	8827 HARDING AVE # 1, 1, SURFSIDE, FL 33154-3418
Document Number	0000277804
Book / Page	30971 / 0088
Map Reference	OR 11843 PG 1890
Instrument Date	May 1, 2018
Instrument	2018R0277804
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7700 CONGRESS AVE STE 3210, 7700, BOCA RATON, FL 33487-1358

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1160 KANE CONCOURSE STE 301, 301, BAY HARBOR ISLANDS, FL 33154-2059

Mortgage

Document Number	0000277805
Date	May 9, 2018
Instrument	2018R0277805

Lender

Name	LUXURY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	May 1, 2023
Change Frequency	Annually
Min Rate At Change	6.87%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	11.8%

Tax Assessment & Valuation

Source: Miami-Dade County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Miami-Dade County
Municipality	Surfside Town
Unified School District	Dade County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,477.00 (-1.26%) Homeowner's exemption	$550,408 (+3.88%)	$550,408 (-)
2023	$9,598.00 (+6.5%) Homeowner's exemption	$529,832 (+3%)	$550,408 (+7%)
2022	$9,012.00 Homeowner's exemption	$514,400	$514,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 25, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	8.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 201 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	294 units insured incl. 93 condo units
Nearby Flood Claims	12 (2017–2024)
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Sep 2017 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF SURFSIDE serves 5,744 people · EPA ID FL4131424
Water Source	Purchased groundwater from MDWASA - MAIN SYSTEM
Last State Inspection	Dec 2023
Lead	3 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Breezeline Cable · Fiber in parts of the area	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Google Fiber, Hotwire Communications, Xfinity.

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