10185 Collins Ave # 406, Bal Harbour FL 33154, BAL HARBOUR, FL, 33154
Active681 days on marketListed Sep 25, 2024MLS #A11665648
About this home
10185 Collins Ave # 406, Bal Harbour FL 33154
Completely renovated unit in an oceanfront building in Bal Harbor. 1 bedroom + den that can easily be used as a 2nd bedroom w/ 2 full bath. The unit was remodeled from top to bottom with all fine luxury finishes, which include a made to order designer kitchen cabinetry with fashionable stone countertops, stainless steel appliances, Moet faucets. The master bed has a master bath fitted with a Toto toilet/bidet and oversized shower which includes state of the art fixtures. The 2nd bathroom has a tub. Gorgeous porcelain floors. Expensive light fixtures. This line has largest balcony. There are so many lovely features, but nothing compares to the breathtaking lovely sunset views. OWNER FINANCING AVAILABLE! Don't miss this opportunity to sell...
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,008
Sqft
1965
Year built
$634
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$5,550 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,550/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+1.3%
$/sqft vs Bal Harbour actives
$634 vs $1,264
Days on market
681 vs 119 typical
Where $634/sqft sits among the 116 Bal Harbour actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bal Harbour
Get to know Bal Harbour. See the full Bal Harbour guide →
BAL HARBOUR 33154 — neighborhood snapshot
Population
14,435
Median age
40.9
Median income
$87,806
Median home value
$741,400
Avg household
2.58
Households w/ children
1,804
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bal Harbour market
$1.8M → $4.0M
Bal Harbour median sold, yr/yr
92.5%
Sale-to-list ratio (12 mo)
6 of 116
Bal Harbour actives have cut their price
This home is listed 83% above the BAL HARBOUR 33154 median. See the full Bal Harbour market guide →
Paper trail
This home's history
Reality check
What actually sold near 10185 Collins Ave # 406
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$415,000
10185 COLLINS AVE # 1003, Bal Harbour FL 33154 · same community
1 bd · 1 ba · 1,015 sqft · $409/sqft · 157 DOM
Sold · Oct ’25$368,000
10185 Collins Ave # 915, Bal Harbour FL 33154 · same community
1 bd · 1 ba · 1,019 sqft · $361/sqft · 63 DOM
Sold · Apr ’26$270,000
10185 Collins Ave # 410, Bal Harbour FL 33154 · same community
1 bd · 1 ba · 1,019 sqft · $265/sqft · 23 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10185 Collins Ave # 406 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10185 Collins Ave # 406 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
10185 Collins Ave # 406 FAQs
What would the monthly payment be for 10185 Collins Ave # 406, Bal Harbour FL 33154?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,550/mo — principal and interest, the actual property-tax bill, the $1,300/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 10185 Collins Ave # 406, Bal Harbour FL 33154?+
The association fee works out to $1,300 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10185 Collins Ave # 406, Bal Harbour FL 33154?+
The most recent tax bill on record (2023) was $4,825. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 10185 Collins Ave # 406, Bal Harbour FL 33154?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Bal Harbour?+
At $639,000, this home is listed about 79% below the Bal Harbour median of $2,974,500. The market section on this page shows how the area is trending.
Which schools are assigned to 10185 Collins Ave # 406, Bal Harbour FL 33154?+
Ruth K. Broad Bay Harbor K-8 Center (elementary), Miami Beach Nautilus Middle School (middle), Miami Beach Senior High School (high), District Instructional Center (Dic) (), Instructional Center System Wide (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$639,000 runs 83% above the BAL HARBOUR 33154 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $1,300/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
681 days on market against a Bal Harbour median of 119 — sellers in this position are usually ready to negotiate.
05Strong assigned schools
Ruth K. Broad Bay Harbor K-8 Center, Miami Beach Nautilus Middle School, Miami Beach Senior High School, District Instructional Center (Dic), Instructional Center System Wide, Title I Migrant Education Program — Ruth K. Broad Bay Harbor K-8 Center rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Brokers, LLC · Moises Ravelo. MLS #A11665648.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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