1135 103rd # 307, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS, FL, 33154
Active170 days on marketListed Mar 1, 2026MLS #A11974900
About this home
1135 103rd # 307, Bay Harbor Islands FL 33154
Take a Breath and touch a piece of at the newly constructed Onda Residences in Bay Harbor Islands. This 1,917 sq ft unit offers stunning and unique terrace from the expansive living space and primary suite with in-built grill, complete with extra-large double walk-in closets. Enjoy high-end finishes like custom Italian cabinets, elegant Italian porcelain floors, and Barausse Italian doors. The unit includes a den/office, 2 tandem parking spaces, and storage and a private outdoor terrace that is over 1000 sq ft with an outdoor kitchen.Onda Residences features EV charging stations, a marina, a spa, a fitness center, free valet and a rooftop pool with breathtaking views of the intracoastal, Bal Harbour skyline and the ocean. Unit rented until Sept 2026
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
2
Garage
2024
Year built
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.
$14,797 /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
$16,538/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Bay Harbor Islands
Get to know Bay Harbor Islands. See the full Bay Harbor Islands guide →
BAY HARBOR ISLANDS 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 Bay Harbor Islands market
$1.5M → $910K
Bay Harbor Islands median sold, yr/yr
94.9%
Sale-to-list ratio (12 mo)
This home is listed 444% above the BAY HARBOR ISLANDS 33154 median. See the full Bay Harbor Islands market guide →
Paper trail
This home's history
Reality check
What actually sold near 1135 103rd # 307
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,900,000
9901 W Bay Harbor Dr # 601, Bay Harbor Islands FL 33154 · same community
3 bd · 3.5 ba · 1,657 sqft · $1,147/sqft · 344 DOM
Sold · Jun ’26$4,200,000
1135 103 # 606, Bay Harbor Islands FL 33154 · same community
4 bd · 4.5 ba · 3,523 sqft · $1,192/sqft · 151 DOM
Sold · Sep ’25$1,235,000
9116 Dickens Ave, Surfside FL 33154
2 bd · 2 ba · 88 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 1135 103rd # 307 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1135 103rd # 307 — 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
1135 103rd # 307 FAQs
What would the monthly payment be for 1135 103rd # 307, Bay Harbor Islands FL 33154?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $14,797/mo — principal and interest, estimated property taxes, the $3,672/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 1135 103rd # 307, Bay Harbor Islands FL 33154?+
The association fee works out to $3,672 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1135 103rd # 307, Bay Harbor Islands FL 33154?+
The most recent tax bill on record (2025) was $0. 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 1135 103rd # 307, Bay Harbor Islands 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 Bay Harbor Islands?+
At $1,900,000, this home is listed about 17% above the Bay Harbor Islands median of $1,624,500. The market section on this page shows how the area is trending.
Which schools are assigned to 1135 103rd # 307, Bay Harbor Islands 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
$1,900,000 runs 444% above the BAY HARBOR ISLANDS 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 $3,672/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
170 days on market against a Bay Harbor Islands median of 85 — 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
$1,789,900
9901 W Bay Harbor Dr # 403, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
3 bd · 3.5 ba · 1,662 sqft
$2,100,000
9901 W Bay Harbor Dr # 401, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
3 bd · 3.5 ba
$2,999,000
9201 E Bay Harbor Dr, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
3 bd · 3 ba · 2,068 sqft
Listing courtesy of Coldwell Banker Realty · Juan Zuluaga. MLS #A11974900.
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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