10141 E Bay Harbor Drive # 703, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS, FL, 33154
Active148 days on marketListed Mar 23, 2026MLS #A11987514
About this home
10141 E Bay Harbor Drive # 703, Bay Harbor Islands FL 33154
Welcome to Bay Harbor Towers, a haven of luxury living with only 44 exquisite residences boasting direct water views. Nestled on the serene and secure Bay Harbor Island, this condominium is a delightful stroll away from Bal Harbor shops and a myriad of restaurants. From the meticulously designed entry to the enchanting rooftop pool on the 8th floor, Bay Harbor Towers promises a truly special living experience. Indulge in the epitome of outdoor entertainment with two summer kitchens and ample space for socializing while enjoying the pool and sunset Jacuzzi. The kitchen in the residences features finely crafted solid wood cabinetry, 5-burner Wolf gas cooktop, a Subzero refrigerator, pot filler, and walk-in pantry, ensuring a culinary haven for residents. Expected Delivery December 2026.
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
3,224
Sqft
2026
Year built
$1,650
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.
$35,715 /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
$40,591/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.
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 Bay Harbor Islands actives
$1,650 vs $932
Days on market
148 vs 85 typical
Where $1,650/sqft sits among the 156 Bay Harbor Islands 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 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)
8 of 156
Bay Harbor Islands actives have cut their price
This home is listed 1424% 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 10141 E Bay Harbor Drive # 703
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$15,000,000
9111 Collins Ave # 515, Surfside FL 33154
3 bd · 3.5 ba · 3,370 sqft · $4,451/sqft · 48 DOM
Sold · Jan ’26$9,816,600
9111 Collins Ave # 317, Surfside FL 33154
2 bd · 2.5 ba · 3,424 sqft · $2,867/sqft · 93 DOM
Sold · May ’26$14,850,000
9111 Collins Ave # 717, Surfside FL 33154
2 bd · 2.5 ba · 3,424 sqft · $4,337/sqft · 9 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 10141 E Bay Harbor Drive # 703 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10141 E Bay Harbor Drive # 703 — 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
10141 E Bay Harbor Drive # 703 FAQs
What would the monthly payment be for 10141 E Bay Harbor Drive # 703, Bay Harbor Islands FL 33154?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $35,715/mo — principal and interest, estimated property taxes, the $4,856/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 10141 E Bay Harbor Drive # 703, Bay Harbor Islands FL 33154?+
The association fee works out to $4,856 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10141 E Bay Harbor Drive # 703, 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 10141 E Bay Harbor Drive # 703, 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 $5,319,600, this home is listed about 227% 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 10141 E Bay Harbor Drive # 703, 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
Four things that matter here
01Positioned at the premium end
$5,319,600 runs 1424% above the BAY HARBOR ISLANDS 33154 median — but at 3,224 sqft it's also nearly twice the size of the typical Bay Harbor Islands listing.
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 $4,856/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
$5,800,000
10141 E Bay Harbor Dr. # 301, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
4 bd · 5 ba · 3,221 sqft
$6,350,000
10141 E Bay Harbor Drive # 506, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
4 bd · 5 ba · 3,421 sqft
$5,200,000
9950 E Bay Harbor Dr, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
Listing courtesy of Fortune International Realty · Melissa Pardo. MLS #A11987514.
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®.
Never miss a listing
New Bay Harbor Islands homes, in your inbox
Like 10141 E Bay Harbor Drive # 703, Bay Harbor Islands FL 33154 but not quite? A daily digest of every new listing in Bay Harbor Islands — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →