1145 101 St # 1, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS, FL, 33154
Active56 days on marketListed Jun 23, 2026MLS #B26044930
About this home
1145 101 St # 1, Bay Harbor Islands FL 33154
AVAILABLE NOW! Welcome to Harbour House No. 1 - a boutique collection of just four residences where life feels more like owning a private home than renting a condo. This bright corner residence features an updated kitchen, renovated bathrooms, impact windows and doors, and abundant natural light throughout. Step outside to your private backyard retreat with a sparkling pool, shared exclusively among four neighbors. Nestled in the heart of Bay Harbor Islands, you're moments from the beach, world-class shopping and dining at Bal Harbour Shops, A-rated schools, neighborhood parks, and the charm of one of Miami's most family-friendly communities. Coastal living, reimagined.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,525
Sqft
0 ac
Lot size
1964
Year built
$3
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.
$191 /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
$191/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
$3 vs $932
Days on market
56 vs 85 typical
Where $3/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 99% 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 1145 101 St # 1
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$3,200,000
8701 Collins Ave # 805, Miami Beach FL 33154
2 bd · 2.5 ba · 1,522 sqft · $2,102/sqft · 239 DOM
Sold · Apr ’26$1,200,000
8925 Collins Ave # 11C, Surfside FL 33154
2 bd · 2 ba · 1,480 sqft · $811/sqft · 122 DOM
Sold · Jan ’26$1,000,000
9125 Byron Ave, Surfside FL 33154
3 bd · 2 ba · 1,467 sqft · $682/sqft · 6 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 1145 101 St # 1 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1145 101 St # 1 — 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
1145 101 St # 1 FAQs
What would the monthly payment be for 1145 101 St # 1, Bay Harbor Islands FL 33154?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $191/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 1145 101 St # 1, Bay Harbor Islands FL 33154?+
The listing reports pets: Yes. 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 $4,300, 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 1145 101 St # 1, 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
$4,300 is 99% below the BAY HARBOR ISLANDS 33154 median of $349,000, and at $3/sqft it sits under the Bay Harbor Islands average of $1,000.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
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
$4,300
9881 E Bay Harbor Dr # 504, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
1 bd · 1.5 ba · 1,078 sqft
$4,250
10350 W Bay Harbor Dr # 3G, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
2 bd · 2 ba · 1,230 sqft
$4,500
9901 E Bay Harbor Dr # 802, Bay Harbor Islands FL 33154, BAY HARBOR ISLANDS
2 bd · 2 ba · 1,150 sqft
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®.
Never miss a listing
New Bay Harbor Islands homes, in your inbox
Like 1145 101 St # 1, Bay Harbor Islands FL 33154 but not quite? A daily digest of every new listing in Bay Harbor Islands — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →