1176 97th St # 406, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS, FL, 33154
Active41 days on marketListed Jul 8, 2026MLS #A12050158
About this home
1176 97th St # 406, Bay Harbor Islands FL 33154
WELLNESS AT THE CORE OF THE ONLY AVAILABLE LARGEST 3 BEDROOM LINE AT THE WELL BAY HARBOR ISLANDS, a boutique building shaped around health and longevity. This wellness-driven community is now completed and ready for move-in! Spanning 3,671 sq ft, Residence unfolds with a spacious split floor plan, anchored by an oversized entertainment area that feels like a single family residence, with floor-to-ceiling doors that fill interiors with natural light. 3 private terraces extend the living spaces, creating indoor-outdoor flow to live, host, and unwind. Wellness elements are integrated throughout, creating a sense of calm & understated luxury rarely found in new construction: custom wood cabinetry w/ stone countertops, marble & travertine surfaces, spa-inspired details: rain shower, aromatherapy, red light therapy, filtered water, built-in air purification, and non-toxic paint finishes, complemented by Sub-Zero & Wolf appliances. 2 covered parking spaces & 1 storage included. Developed by Terra Group w/ interiors by Meyer Davis, The Well is a limited collection of 65 residences with over 22,000 sq ft of amenities, including a membership to THE WELL Club, offering state-of-the-art fitness and wellness center, infrared saunas, hyperbaric oxygen therapy, cold plunges, 150+ monthly classes, and an onsite functional medicine. Resident only amenities include a rooftop pool deck, zen garden, private beach club access, fitness center, resident lounge, & house car service.
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
3,262
Sqft
2
Garage
2026
Year built
$1,441
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.
$32,554 /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
$36,861/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 THE WELL BAY HARBOR
$1,441 vs $1,679
Days on market
41 vs 85 typical
Where $1,441/sqft sits among the 6 homes for sale in THE WELL BAY HARBOR
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 6
THE WELL BAY HARBOR have cut their price
This home is listed 1246% 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 1176 97th St # 406
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$15,000,000
9111 Collins Ave # 515, Surfside FL 33154
3 bd · 3.5 ba · 3,370 sqft · $4,451/sqft · 48 DOM
Sold · Jan ’26$9,816,600
9111 Collins Ave # 317, Surfside FL 33154
2 bd · 2.5 ba · 3,424 sqft · $2,867/sqft · 93 DOM
Sold · May ’26$14,850,000
9111 Collins Ave # 717, Surfside FL 33154
2 bd · 2.5 ba · 3,424 sqft · $4,337/sqft · 9 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 1176 97th St # 406 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1176 97th St # 406 — 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
1176 97th St # 406 FAQs
What would the monthly payment be for 1176 97th St # 406, Bay Harbor Islands FL 33154?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $32,554/mo — principal and interest, estimated property taxes, the $5,276/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 1176 97th St # 406, Bay Harbor Islands FL 33154?+
The association fee works out to $5,276 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1176 97th St # 406, 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.
How does the price compare to other homes in Bay Harbor Islands?+
At $4,699,000, this home is listed about 189% 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 1176 97th St # 406, 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
$4,699,000 runs 1246% above the BAY HARBOR ISLANDS 33154 median — but at 3,262 sqft it's also nearly twice the size of 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 $5,276/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
$4,699,000
1177 Kane Concourse # 405, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
3 bd · 3.5 ba · 3,262 sqft
$3,995,000
1176 97th St # 704, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
3 bd · 3.5 ba · 2,326 sqft
$3,850,000
1177 Kane Concourse # 608, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
3 bd · 3.5 ba · 2,293 sqft
Listing courtesy of Fortune Christie's Intl R.E. · Monica Defortuna. MLS #A12050158.
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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