1135 103rd St # 405, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS, FL, 33154
Active48 days on marketListed Jul 1, 2026MLS #A12046098
About this home
1135 103rd St # 405, Bay Harbor Islands FL 33154
From the moment you step off your private elevator, you are greeted by turquoise waters and total serenity. This designer 2BR + den, 3BA at Onda spans 2,046 SF, tucked inside Bay Harbor Islands’ most exclusive boutique building of just 41 residences. Customized with exceptional attention to detail, a soothing warm palette carries through every finish. The enclosed den flexes as a 3rd bedroom, office, or media room. The open split floor plan, styled in contemporary design, is built for effortless entertaining and easy living. Snaidero kitchen with Miele appliances, Statuarietto marble baths, motorized shades throughout and an expansive 400 SF terrace made for bay view sunrises and sunsets. A true wellness retreat awaits: rooftop pool & spa, sauna, yoga studio, Technogym fitness center, private marina, EV charging, 2 garage spaces, 24-hr valet, 5-star concierge, whole-building water filtration. Just steps to 96th Street restaurants & shops, parks, places of worship and A-rated Ruth K Broad with Bal Harbour Shops, Surfside and the beach minutes away.
Facts & features
The home at a glance
2
Bedrooms
3
Bathrooms
2,046
Sqft
2
Garage
2024
Year built
$1,784
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.
$29,786 /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
$29,786/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 Islands actives
$1,784 vs $932
Days on market
48 vs 85 typical
Where $1,784/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 946% 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 1135 103rd St # 405
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$1,650,000
917 Surfside Blvd, Surfside FL 33154
3 bd · 2 ba · 1,953 sqft · $845/sqft · 30 DOM
Sold · Oct ’25$1,300,000
8866 Dickens Ave, Surfside FL 33154
3 bd · 2 ba · 1,859 sqft · $699/sqft · 10 DOM
Sold · Apr ’26$1,800,000
8855 Collins Ave # 8J, Surfside FL 33154
3 bd · 2.5 ba · 2,260 sqft · $796/sqft · 279 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 1135 103rd St # 405 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1135 103rd St # 405 — 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
1135 103rd St # 405 FAQs
What would the monthly payment be for 1135 103rd St # 405, Bay Harbor Islands FL 33154?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $29,786/mo — principal and interest, the actual property-tax bill, the $5,451/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 1135 103rd St # 405, Bay Harbor Islands FL 33154?+
The association fee works out to $5,451 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1135 103rd St # 405, Bay Harbor Islands FL 33154?+
The most recent tax bill on record (2025) was $37,332. 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 $3,650,000, this home is listed about 125% 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 1135 103rd St # 405, 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
$3,650,000 runs 946% above the BAY HARBOR ISLANDS 33154 median — but at 2,046 sqft it's also 25% larger than 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 $5,451/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
$3,650,000
1176 97th St # 404, Bay Harbor Islands FL 33154-2047, BAY HARBOR ISLANDS
3 bd · 3.5 ba · 2,326 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
$3,850,000
9201 E Bay Harbor, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
4 bd · 4.5 ba · 2,502 sqft
Listing courtesy of Douglas Elliman · T Kimberly Rodstein. MLS #A12046098.
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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