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Buying a waterfront house in Miami is the dream of many, offering stunning views, direct access to the sea and a sense of luxury and exclusivity. However, before making this decision, it is crucial to consider several factors to ensure that your purchase is smart and without unpleasant surprises. Here are some important points to consider:

Things to consider when buying a waterfront house in Miami

1. Verification of Elevation and Flood Risks

Miami is known for its low-lying and flood-sens- susceptible areas. Be sure to check the elevation of the property and the flood history. Homes in flood-prone areas may require more expensive flood insurance.

2. Necessary Insurance

In addition to flood insurance, check what other insurances are needed. Insurance against hurricanes and tropical storms is essential in Miami, and can significantly impact your annual cost of ownership.

3. Climate Conditions

Miami is a city subject to hurricanes and tropical storms. Make sure that the house is equipped with hurricane-proof windows and doors, and consider the general structure of the house to withstand severe weather conditions. Learn all about the hurricane season in Florida

4. Rules of Navigation and Water Use

If you intend to use the water for navigation, fishing or swimming, check the local rules. Some areas may have specific restrictions on water use, permitted vessel sizes and recreational activities.

5. Property Maintenance and Conservation

Waterfront properties require extra maintenance due to exposure to salt water, moisture and other elements. This may include the maintenance of decks, docks, drainage systems and corrosion protection.

6. Privacy and security

Consider the level of privacy and security offered by the location of the house. Busy areas may have more boat traffic and tourists, while more isolated areas may offer greater privacy, but may require additional security measures.

7. Environmental Impact and Sustainability

Verify that the property complies with environmental regulations. The construction and maintenance of waterfront houses should follow guidelines to protect local ecosystems, such as mangroves and coral reefs.

8. Local Infrastructure

Assess the local infrastructure, including the quality of roads, availability of public services (water, sewage, electricity) and access to emergency services. Proximity to hospitals, supermarkets and other conveniences is also crucial.

9. Resale Value

Water-facing properties usually maintain or increase their value over time. However, factors such as sea level rise and climate change can impact appreciation. Consider the long-term appreciation potential and the liquidity of the property in the real estate market.

10. Total Cost of Ownership

Calculate the total cost of ownership, including maintenance, insurance, taxes and other expenses. Waterfront properties tend to have higher costs, and it is important to have a clear view of all associated expenses.


Buying a waterfront house in Miami can be an excellent lifestyle and investment decision, as long as all factors are carefully considered. By evaluating all the aspects mentioned above, you will be better prepared to make an informed purchase and enjoy all the benefits of living by the water.

About AMG International Realty

AMG International Realty is a global real estate company specialized in Florida and aimed at the foreign public. If you want to know more about houses facing the canal, lagoon, bay or sea in Miami, contact me right now and talk to me by WhatsApp: +1 305 761 2655 (Heloisa Arazi).

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