3045 N Bay Rd, Miami Beach FL 33140, MIAMI BEACH, FL, 33140
Active38 days on marketListed Jul 2, 2026MLS #A12017587
About this home
3045 N Bay Rd, Miami Beach FL 33140
A New Architectural Statement of Modern Custom Luxury on Prestigious North Bay Road. Completed in 2026 by Hartz Development, this newly constructed architectural residence presents a refined expression of modern luxury in one of Miami Beach's most coveted neighborhoods. Set on Lower North Bay Rd, the home spans 5,965 SF of total building area, including 3,761 SF under air, and features 4 bedrooms, 4 full bathrooms, and 1 powder room across three thoughtfully designed levels. Defined by clean architectural lines, soaring ceilings, floor-to-ceiling glass, and warm natural materials, the interiors are filled with light and seamlessly connect expansive living, dining, and entertaining spaces. A sculptural chef's kitchen with dramatic natural stone, custom wood cabinetry, premium integrated appliances, and a marble waterfall island. The upper level is anchored by a spectacular primary suite complete with a private sitting area, oversized custom dressing room, spa-inspired bath with a freestanding soaking tub, walk-in shower, dual vanities, and a private sauna. Outdoors, lush tropical landscaping frames a resort-style pool, covered terraces, a summer kitchen, and multiple spaces designed for effortless indoor-outdoor living. Perfectly positioned on prestigious North Bay Road, just moments from Sunset Harbour, world-class dining, shopping, and Miami Beach's iconic shoreline, this exceptional residence delivers timeless architecture, privacy, and an elevated lifestyle.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,761
Sqft
2
Garage
2026
Year built
$2,725
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.
$62,175 /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
$62,175/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 Miami Beach actives
$2,725 vs $728
Days on market
38 vs 91 typical
Where $2,725/sqft sits among the 394 Miami Beach 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 Bayshore
Get to know Miami Beach. See the full Miami Beach guide →
Bayshore — neighborhood snapshot
Population
3,848
Median age
39
Median income
$136,874
Median home value
$1,296,558
Avg household
2
Households w/ children
301
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Miami Beach market
$285K → $525K
Miami Beach median sold, yr/yr
95.1%
Sale-to-list ratio (12 mo)
19 of 394
Miami Beach actives have cut their price
Median sold price, Miami Beach, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2532% above the MIAMI BEACH 33140 median. See the full Miami Beach market guide →
Paper trail
This home's history
Reality check
What actually sold near 3045 N Bay Rd
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$5,200,000
2729 N Bay Rd, Miami Beach FL 33140 · same community
5 bd · 6.5 ba · 3,565 sqft · $1,459/sqft · 50 DOM
Sold · May ’26$4,500,000
2701 N Bay Rd, Miami Beach FL 33140 · same community
6 bd · 6.5 ba · 4,389 sqft · $1,025/sqft · 196 DOM
Sold · Mar ’26$1,900,000
2024 Alton, Miami Beach FL 33140 · same community
6 bd · 3 ba · 3,032 sqft · $627/sqft · 140 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 3045 N Bay Rd — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3045 N Bay Rd — 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
3045 N Bay Rd FAQs
What would the monthly payment be for 3045 N Bay Rd, Miami Beach FL 33140?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $62,175/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 3045 N Bay Rd, Miami Beach FL 33140?+
The most recent tax bill on record (2025) was $34,350. 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 Miami Beach?+
At $10,250,000, this home is listed about 1477% above the Miami Beach median of $649,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3045 N Bay Rd, Miami Beach FL 33140?+
Miami Beach Senior High School (high), Miami Beach Nautilus Middle School (middle), North Beach Elementary School (elementary), 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
$10,250,000 runs 2532% above the MIAMI BEACH 33140 median — but at 3,761 sqft it's also nearly 4 times the size of the typical Miami Beach listing.
02Other & Pool views
The other and pool view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Miami Beach Senior High School, Miami Beach Nautilus Middle School, North Beach Elementary School, District Instructional Center (Dic), Instructional Center System Wide, Title I Migrant Education Program — North Beach Elementary School rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Compass Florida, LLC · Chad Carroll. MLS #A12017587.
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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