280 South Coconut Lane, Miami Beach
technical data · neighborhood and transit
Quick answers
- Is 280 South Coconut Lane in a flood zone?
- Yes. FEMA maps it in Zone AE, a high-risk flood area with a base flood elevation of 9 ft. Federally backed lenders require flood insurance.
- What is the 2026 conforming loan limit in Miami-Dade County?
- $832,750 for a single-unit home, per FHFA. Larger loans are jumbo loans.
- What natural disasters is 280 South Coconut Lane at risk for?
- FEMA's National Risk Index rates the area relatively moderate overall, with elevated hurricane and coastal flooding risk.
Safety and environment
FEMA natural hazard risk
Relatively Moderate
Highest for this area: hurricane, coastal flooding. These drive insurance cost here.
FEMA National Risk Index, census tract
FEMA flood zone
Zone AE
Special Flood Hazard Area: a 1% or higher chance of flooding each year. Base flood elevation 9 ft. Lenders backed by federal programs require flood insurance here. Ask for the elevation certificate and an insurance quote before you commit.
FEMA National Flood Hazard Layer (FIRM)
Wildfire risk
Very Low
Wildfire risk is low enough that standard home insurance usually covers it.
FEMA National Risk Index
Nearest public schools
3,350 ft
MIAMI CHILDREN'S MUSEUM CHARTER SCHOOL (3,350 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
Major airport
7.7 mi
Miami International (MIA). Aircraft may be audible under approach paths.
FAA large-hub airports
Conforming loan limit 2026
$832,750
Miami-Dade County. Mortgages up to this amount qualify for Fannie Mae and Freddie Mac pricing. Above it, the loan is a jumbo with stricter terms.
FHFA Conforming Loan Limit Values, one-unit
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More on South Coconut Lane
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What's worth checking in person before deciding.
- This is a house, not an apartment. Check the lot boundaries, car access, and how water drains from the yard after rain, including whether the neighboring lot sits higher and could send water toward the property.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- Check the roof, gutters, and downspouts for signs of leaks or recent repairs, especially if it has rained recently.
- Ask what heating system is in place (own boiler, wood, gas) and request the last winter month's bills.
- Knock on a neighboring gate and ask about noise, pets, flooding, or other issues common in the area.
- Check exactly where you'd park: a spot in the yard or garage, or street parking, and how crowded the street gets in the evening.
- Schedule a viewing in the evening too, on a weekday, to see street traffic, streetlights, and how quiet the neighborhood is after 8 PM.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.