9415 Harding Ave, Surfside (Miami Beach), FL 33154 Property Records

Miami-Dade County property record for 9415 Harding Ave, Surfside, FL 33154

Property Summary

Property Type	Retail Store
Details	4,230 sqft · built 1952
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$3,500,000 (Jan 2020)
Tax Bill	$56,871 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jan 2020 Sale & Line of Credit
Flood Zone	Zone AE (high risk)
APN	`14-2235-007-0640`

Property Details

APN / Parcel Number

Primary APN	`14-2235-007-0640`

Interior

Stories	1 Story
Building Area	4,230 sqft Gross Area
1st Floor Area	4,230 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1975
Exterior Material	Concrete Block/Stucco
Construction Type	Concrete Block
Roof Type	Bowstring Truss
Roof Material	Slate
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	9415 HARDING AVE
City	SURFSIDE
State	FL
Zip	33154-2803
Property Category	Commercial
Property Type	Commercial > Retail > Retail Store
Local Zoning Code	6000
Legal Description	ALTOS DEL MAR NO 6PB 8-106 LOTS 31 & 32BLK 4 LOT SIZE 50.000 X 100 OR 16668-2437 0195 4
Legal Range	42E
Legal Township	52S
Legal Section	35
Legal Subdivision	ALTOS DEL MAR NO 6
Legal Block	4
Legal Lot Number	31,32
Jurisdiction	DADE FL
Township / Civil Division	MIAMI BEACH
Census Block Group	1
Census Block	1013
Census Tract	3804

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	9415 HARDING AVE, SURFSIDE, FL 33154-2803
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Jan 3, 2020	Grant Deed, Transfer · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2020 · Amount on Record
Deed Sale	Jan 3, 2020 · Amount on Record
Prior Sale	Nov 20, 2015 · Amount on Record
Deed Document Number	20204982
Deed Book / Page	31754 / 4251
Prior Transfer Date	Dec 16, 2019
Prior Transfer Doc	0000004982
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DADE FL
Property Address	9415 HARDING AVE, SURFSIDE, FL 33154-2803
Document Number	0000183840
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9415 HARDING AVE SURFSIDE FL 331542803, SURFSIDE, FL 33154-2803

Mortgage

Document Number	0000183840
Date	Mar 20, 2020
Book Page	031865/001000
Instrument	183840

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 N TRYON ST, CHARLOTTE, NC 28246-0100

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 19, 2040

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DADE FL
Recording Date	Jan 3, 2020
Property Address	9415 HARDING AVE, SURFSIDE, FL 33154-2803
Document Number	0000004982
Book / Page	031754 / 004251
Instrument Date	Dec 16, 2019
Instrument	4982
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21,000.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9415 HARDING AVE SURFSIDE FL 331542803, SURFSIDE, FL 33154-2803

Mortgage

Document Number	4983
Date	Jan 3, 2020
Book Page	031754/004257
Instrument	4983

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 N TRYON ST, CHARLOTTE, NC 28246-0100

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 2, 2040

Interest

Rate Type	Adjustable Rate
Rate	2%

Mortgage

Document Number	4984,
Date	Jan 3, 2020
Book Page	031754/004278
Instrument	4984

Lender

Name	BANK OF AMERICA
Type	Bank
Address	101 N TRYON ST, CHARLOTTE, NC 28246-0100

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	2%

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	$56,871.00 (+5.97%)	$2,940,000 (-6.28%) Land $2,625,000 Building $315,000	$2,940,000 (-6.28%) Land $2,625,000 Building $315,000
2024	$53,667.00 (+5.23%)
2023	$51,001.00 (+10.48%)	$3,137,000 (+4.57%) Land $2,625,000 Building $512,000	$3,137,000 (+4.57%) Land $2,625,000 Building $512,000
2022	$46,163.00	$3,000,000 Land $2,500,000 Building $500,000	$3,000,000 Land $2,500,000 Building $500,000

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 Record median of 110 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	857 units insured incl. 747 condo units
Nearby Flood Claims	41 (1979–2024)
Claims Outside the SFHA	16 of 41
Most Recent Claim	Jun 2024 · rainfall accumulation
Claims by Event	Hurricane Irma, Oct 2017 · 5 claims Severe Storms And Flooding, Oct 2000 · 3 claims Hurricane Andrew, Aug 1992 · 5 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 366 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Fiber	2,000 / 2,000
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Google Fiber, Hotwire Communications.

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