Tips for buying waterfront property in Miami

Waterfront living is one of Miami’s biggest attractions, offering stunning views, direct water access, and a vibrant lifestyle. But buying a waterfront property comes with unique considerations. Here’s what you need to know before making your move.

1. Decide Which Type of Waterfront Fits Your Lifestyle

Miami offers several waterfront options:

• Oceanfront – Direct access to the beach and panoramic views.

• Bayfront – Calmer waters, ideal for boating and sunset views.

• Canal-front – Often more affordable, with boat dock access.

• Intracoastal – Popular for boating enthusiasts with direct ocean access.

2. Understand Flood Zones and Insurance Costs

Waterfront homes in Miami are often in designated flood zones, which can affect insurance costs.

• Check FEMA flood maps for your property’s flood risk.

• Get quotes for both flood insurance and windstorm insurance.

• Ask about the home’s elevation and past flooding history.

3. Inspect the Seawall or Dock

If the property has a seawall, dock, or boat lift:

• Hire a marine contractor to inspect it.

• Check for cracks, erosion, or damage.

• Confirm whether permits are required for repairs or replacement.

4. Factor in Maintenance and Saltwater Exposure

Salt air and humidity can cause faster wear on materials.

• Look for homes built with corrosion-resistant fixtures and marine-grade materials.

• Budget for more frequent painting, sealing, and HVAC maintenance.

5. Check Boating and Water Access Rules

If you plan to dock a boat, confirm:

• Water depth at low tide

• Bridge clearances on your route to open water

• Local speed limits and no-wake zones

6. Work With a Waterfront Specialist

An agent who specializes in Miami waterfront real estate can help you:

• Evaluate water quality, tidal changes, and property orientation

• Navigate city and county permitting requirements

• Find properties that fit your boating and lifestyle needs

7. Consider Resale Value

Waterfront homes in Miami hold strong appeal, but factors like view, dock size, and water access can significantly affect future value.