1 Harbour Way # 108, Bal Harbour FL 33154, BAL HARBOUR, FL, 33154
Active183 days on marketListed Feb 9, 2026MLS #A11960051
About this home
1 Harbour Way # 108, Bal Harbour FL 33154
Exceptional value in the heart of Bal Harbour. This 2-bedroom, 2-bath co-op presents a rare opportunity to secure a well-priced residence in one of South Florida’s most prestigious communities. Ideally located just moments from pristine beaches, the Bal Harbour Shops, and world-class dining, this property offers outstanding upside for buyers seeking entry into a premier location. A unique chance to own in Bal Harbour at an attractive price point.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,230
Sqft
1
Garage
1956
Year built
$354
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.
$3,988 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,988/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
$/sqft vs Bal Harbour actives
$354 vs $1,264
Days on market
183 vs 119 typical
Where $354/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 25% 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 1 Harbour Way # 108
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$575,000
1 Harbour Way # 305, Bal Harbour FL 33154 · same community
2 bd · 2 ba · 1,230 sqft · $467/sqft · 92 DOM
Sold · Jan ’26$895,000
9201 Collins Ave # 225, Surfside FL 33154
3 bd · 2 ba · 1,236 sqft · $724/sqft · 139 DOM
Sold · May ’26$1,350,000
9148 Abbott Ave, Surfside FL 33154
3 bd · 2 ba · 1,238 sqft · $1,090/sqft · 46 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 1 Harbour Way # 108 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1 Harbour Way # 108 — 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
1 Harbour Way # 108 FAQs
What would the monthly payment be for 1 Harbour Way # 108, Bal Harbour FL 33154?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,988/mo — principal and interest, the actual property-tax bill, the $725/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 1 Harbour Way # 108, Bal Harbour FL 33154?+
The association fee works out to $725 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1 Harbour Way # 108, Bal Harbour FL 33154?+
The most recent tax bill on record (2025) was $4,194. 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 1 Harbour Way # 108, Bal Harbour FL 33154?+
The listing reports pets: Restrictions Or Possible Restrictions. 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 $435,000, this home is listed about 85% 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 1 Harbour Way # 108, 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
Four things that matter here
01Positioned at the premium end
$435,000 runs 25% above the BAL HARBOUR 33154 median.
02Garden View views
The garden view view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $725/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong 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 Compass Florida, LLC · Yehudis Levin. MLS #A11960051.
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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