In this paper, we propose a coarse-to-fine framework to reconstruct a personalized high-fidelity human avatar from a monocular video. To deal with the misalignment problem caused by the changed poses and shapes in different frames, we design a dynamic surface network to recover pose-dependent surface deformations, which help to decouple the shape and texture of the person. To cope with the complexity of textures and generate photo-realistic results, we propose a reference-based neural rendering network and exploit a bottom-up sharpening-guided fine-tuning strategy to obtain detailed textures. Our framework also enables photo-realistic novel view/pose synthesis and shape editing applications. Experimental results on both the public dataset and our collected dataset demonstrate that our method outperforms the state-of-the-art methods. The code and dataset will be available for research purposes.