1251 99th St, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS, FL, 33154
Active101 days on marketListed May 8, 2026MLS #A12015077
About this home
1251 99th St, Bay Harbor Islands FL 33154
Elegant and sophisticated Mediterranean mansion in Bay Harbor Islands. This masterpiece was built in 2008. It sits on a 10,000 sq. ft. lot on the north side of the street, allowing for beautiful natural light throughout the home. The residence offers 6,625 total sq. ft., including 5,538 sq. ft. under air, with 6 bedrooms, 6 full bathrooms, 1 half bathroom, and a 2 car garage. The home also features an oversized primary suite with a spa-like bathroom and generous walk-in closets, along with a chef’s kitchen equipped with a brand new Sub Zero refrigerator and freezer and other top of the line appliances. Its flawless floor plan flows effortlessly and offers the perfect balance of warmth, elegance, and character.
Facts & features
The home at a glance
6
Bedrooms
6.5
Bathrooms
5,538
Sqft
2
Garage
2008
Year built
$1,352
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.
$46,653 /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
$46,653/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.
$/sqft vs BAY HARBOR ISLAND
$1,352 vs $1,454
Days on market
101 vs 85 typical
Where $1,352/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 2046% 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 1251 99th St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$8,000,000
1261 99th St, Bay Harbor Islands FL 33154 · same community
8 bd · 8.5 ba · 6,001 sqft · $1,333/sqft · 68 DOM
Sold · Jun ’26$3,850,000
1251 Kane Concourse, Bay Harbor Islands FL 33154 · same community
5 bd · 5.5 ba · 5,009 sqft · $769/sqft · 94 DOM
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
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 1251 99th St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1251 99th 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
1251 99th St FAQs
What would the monthly payment be for 1251 99th St, Bay Harbor Islands FL 33154?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $46,653/mo — principal and interest, the actual property-tax bill 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 1251 99th St, Bay Harbor Islands FL 33154?+
The most recent tax bill on record (2025) was $39,223. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Bay Harbor Islands?+
At $7,490,000, this home is listed about 361% 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 1251 99th 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
Four things that matter here
01Positioned at the premium end
$7,490,000 runs 2046% above the BAY HARBOR ISLANDS 33154 median — but at 5,538 sqft it's also nearly 3 times the size of the typical Bay Harbor Islands listing.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
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.
04The price has already moved
Listed at $7,850,000, now $7,490,000 — a $360K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of The Brokerage South Florida Real Estate, LLC. · Joel Lusky. MLS #A12015077.
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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