1125 97th St, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS, FL, 33154
Active118 days on marketListed Apr 21, 2026MLS #A12004209
About this home
1125 97th St, Bay Harbor Islands FL 33154
Introducing the Penthouse at Mila, an extraordinary full-floor 4bed/4.5 bath residence in the prestigious Bay Harbor Islands, designed by renowned architect Kobi Karp. This rare blend of privacy, modern elegance, and timeless design rises in one of South Florida’s most coveted enclaves. Your private elevator opens to this penthouse sanctuary with soaring ceilings, and walls of floor-to-ceiling glass creating a seamless connection between indoor sophistication and outdoor serenity. Framed by panoramic vistas of the bay, skyline, and lush island surroundings the multiple terraces invite effortless entertaining, sunset dining, and tranquil mornings above it all. The gourmet kitchen is a statement of style and function, featuring bespoke European cabinetry, sleek stone surfaces, integrated premium appliances, wine storage, and an oversized island designed for both intimate gatherings and grand entertaining. The primary suite is a private retreat is complete with a custom dressing room and spa-inspired bath evoking a five-star resort ambiance. Enjoy the rooftop amenities including a pool, wellness areas, and summer kitchen spaces designed for relaxation and elevated entertaining. Mila's secure smart-access lobby, boutique scale, and protected low-rise surroundings provide a level of privacy rarely found in today’s condominium market. Just moments from Bal Harbour Shops, Surfside Beach, fine dining and more with easy access to Miami Beach, Design District, and Aventura.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,919
Sqft
2
Garage
2027
Year built
$1,227
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 — not generic estimates.
$27,918 /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
$32,327/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 ISLAND
$1,227 vs $1,454
Days on market
118 vs 85 typical
Where $1,227/sqft sits among the 28 homes for sale in BAY HARBOR ISLAND
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)
0 of 28
BAY HARBOR ISLAND have cut their price
This home is listed 1278% 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 1125 97th St
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$4,570,000
9400 E Broadview Dr, Bay Harbor Islands FL 33154 · same community
5 bd · 3.5 ba · 4,205 sqft · $1,087/sqft · 130 DOM
Sold · Nov ’25$3,200,000
1231 96th street, Bay Harbor Islands FL 33154 · same community
4 bd · 3.5 ba · 3,458 sqft · $925/sqft · 113 DOM
Sold · Sep ’25$4,500,000
Nearby listing · same community
4 bd · 3 ba · 3,059 sqft · $1,471/sqft
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 1125 97th St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1125 97th St — 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
1125 97th St FAQs
What would the monthly payment be for 1125 97th St, Bay Harbor Islands FL 33154?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $27,918/mo — principal and interest, estimated property taxes 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.
What are the property taxes on 1125 97th St, Bay Harbor Islands FL 33154?+
The most recent tax bill on record (2026) 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 1125 97th St, 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 $4,810,000, this home is listed about 196% 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 1125 97th St, 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
Three things that matter here
01Positioned at the premium end
$4,810,000 runs 1278% above the BAY HARBOR ISLANDS 33154 median — but at 3,919 sqft it's also nearly twice the size of the typical Bay Harbor Islands listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong 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
$3,950,000
1130 100th St, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
3 bd · 3.5 ba · 2,569 sqft
$3,850,000
9201 E Bay Harbor, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
4 bd · 4.5 ba · 2,502 sqft
$3,675,000
9201 E Bay Harbor Dr # 501, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
4 bd · 4.5 ba · 2,502 sqft
Listing courtesy of The Agency Florida LLC · Daniel Tzinker. MLS #A12004209.
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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