9521 E Bay Harbor Dr # 605, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS, FL, 33154
Active56 days on marketListed Jun 24, 2026MLS #A12042774
About this home
9521 E Bay Harbor Dr # 605, Bay Harbor Islands FL 33154
Amazing view!!! Spacious 1 bedrooms plus den and two full bathroom with lots of natural light. Den can be converted into second bedroom. 9ft-high ceilings, featuring floor to ceilings glass hurricane impact windows, Subzero, Wolf & Electrolux appliances, Mia Cuccina Kitchen. Stone counter tops thru out and double sinks in the primary Room with a walk-in closet. Key fob operated elevators, covered parking, two unassigned parking spaces and valet service. Enjoy beautiful views of Biscayne bay, ocean and city from the roof top terrace of Bijou in Bay Harbor Islands while relaxing by the pool. Common area includes relaxing social sitting to gather with friends and family. One year Membership to Exhale Spa.
Facts & features
The home at a glance
1
Bedrooms
2.5
Bathrooms
980
Sqft
1
Garage
2021
Year built
$6
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$202 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$202/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
$6 vs $932
Days on market
56 vs 85 typical
Where $6/sqft sits among the 157 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 157
Bay Harbor Islands actives have cut their price
This home is listed 98% below 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 9521 E Bay Harbor Dr # 605
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$830,000
9821 E Bay Harbor Dr # 302, Bay Harbor Islands FL 33154 · same community
2 bd · 2 ba · 1,142 sqft · $727/sqft · 36 DOM
Sold · Jul ’26$950,000
9821 E Bay Harbor Dr # 503, Bay Harbor Islands FL 33154 · same community
2 bd · 2 ba · 1,143 sqft · $831/sqft · 288 DOM
Sold · Mar ’26$1,080,000
9821 E Bay Harbor Dr # 903, Bay Harbor Islands FL 33154 · same community
2 bd · 2 ba · 1,143 sqft · $945/sqft · 251 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 9521 E Bay Harbor Dr # 605 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9521 E Bay Harbor Dr # 605 — 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
9521 E Bay Harbor Dr # 605 FAQs
What would the monthly payment be for 9521 E Bay Harbor Dr # 605, Bay Harbor Islands FL 33154?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $202/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.
Are pets allowed at 9521 E Bay Harbor Dr # 605, Bay Harbor Islands FL 33154?+
The listing reports pets: No. 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 $5,750, this home is listed about 100% below 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 9521 E Bay Harbor Dr # 605, 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
01Under the BAY HARBOR ISLANDS 33154 market on paper
$5,750 is 98% below the BAY HARBOR ISLANDS 33154 median of $349,000, and at $6/sqft it sits under the Bay Harbor Islands average of $1,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
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
$4,500
9901 E Bay Harbor Dr # 802, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
2 bd · 2 ba · 1,150 sqft
$3,250
9381 E Bay Harbor Dr # 202s, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
1 bd · 1.5 ba · 1,200 sqft
$8,500
1170 101st St # 301, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
3 bd · 3 ba · 1,754 sqft
Listing courtesy of 1 Miami Realty · Marwan Mata. MLS #A12042774.
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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