8340 Hawthorne Avenue, Miami Beach
technical data · neighborhood and transit
Quick answers
- Is 8340 Hawthorne Avenue in a flood zone?
- Yes. FEMA maps it in Zone AE, a high-risk flood area with a base flood elevation of 8 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 8340 Hawthorne Avenue 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 8 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)
Leaking fuel tanks
2 within 1,650 ft
Nearest: Dade Cnty School Bd-Ojus Elem, 18600 W Dixie Hwy (1,600 ft), no further action. Every release here is closed by the state regulator.
EPA UST Finder, leaking underground storage tank releases
Nearest public schools
2,100 ft
MATER ACADEMY (MIAMI BEACH) (2,100 ft), BISCAYNE BEACH ELEMENTARY SCHOOL (2,800 ft). Confirm the assigned school with the district.
U.S. Department of Education, NCES
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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What's worth checking in person before deciding.
- Test water pressure and temperature at the tap, in the bathroom and kitchen, for at least a minute.
- Ask for the latest maintenance bill from a winter month, not a summer one: that's where the real cost of living there shows up.
- Schedule a viewing on a weekday too, between 6:00 and 7:30 PM, the window when the building is busiest: neighbors, parking, elevator.
- Knock on a neighboring door and ask two things: what bothers them most often, and what work is planned for the building.
- Look at the stairwell (cleanliness, smell) and the association's notice board: unpaid dues, conflicts, recent decisions.
- Ask specifically where you'd park: is there paid city parking, who currently holds it, what the permit costs, and how long the waitlist is.
Neighborhood recommendations are derived from public OpenStreetMap data and may be incomplete. Checking in person is still what matters most.
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