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1120 99th St #302
Bay Harbor Islands, FL 33154
Listing courtesy of Compass Florida, LLC (Madeleine Romanello). Contact: [email protected].
Fully furnished 2-bedroom, 2-bathroom condo for sale in Bay Harbor Islands, FL, with two parking spaces. This spacious, move-in-ready residence is sold fully equipped—just bring your suitcase! Features include Porcelanosa bathrooms, Italian gloss veneer cabinetry, white quartz countertops, Miele appliances, and white porcelain tile flooring throughout. Motorized blinds, custom closet systems, new interior doors, impact windows, and new central A/C enhance comfort and convenience. Parking includes one assigned garage space plus one open space. Conveniently located near Bal Harbour Shops, Surfside, Miami Beach, beaches, restaurants, and everyday essentials, with access to A-rated schools and Miami and Fort Lauderdale international airports. The condominium association has full reserves and has completed its Structural Integrity Reserve Study (SIRS) and 50-year building recertification.
- Principal and interest
- $2,503
- Property tax
- $700
- Homeowners insurance
- $308
- HOA
- $751
An estimate, not a loan offer. The rate and insurance are assumptions to edit with your own quotes; Florida insurance varies widely by age, construction and distance to the coast. Flood insurance and PMI are not included.
Estimate: the price times the Miami-Dade County average total millage (18.49 mills, Florida Department of Revenue, 2025 average total millage by county), less the homestead exemptions. The actual bill depends on the city, the assessed value and special assessments. Save Our Homes then caps annual assessment increases at 3% or inflation, whichever is lower.
Inside the 1% annual chance floodplain. Lenders require flood insurance on a financed home; ask for the elevation certificate.
Sources: FEMA National Flood Hazard Layer and the Florida Division of Emergency Management evacuation zones, looked up at the listing point. Confirm with an elevation certificate and your insurer.
- Base flood elevation
- 8 ft (NGVD29)
- Ground elevation
- 5.2 ft
- Distance to the coast
- 0.1 mi
- NFIP flood policies nearby
- $550 to $1,070 a year
Bare ground at the point (USGS 3DEP, NAVD88), not the finished floor.
Straight line to the nearest salt-water shoreline (ocean, bay or lagoon).
Middle half of 125 NFIP condo unit policies in ZIP 33154, A zones, policies effective 2025-10-02 to 2026-10-02. What owners paid, not a quote for this home.
Sources: FEMA National Flood Hazard Layer (panel 12086C0144L, effective 2009-09-11), USGS 3DEP, Florida Division of Emergency Management, OpenStreetMap coastline, FEMA OpenFEMA NFIP policies. Checked 2026-10-02. Wind and homeowners premiums are not shown: no public source publishes them at this level, and they vary with roof age, construction and the carrier. Public map data looked up at this location, not a survey or an insurance quote. Confirm with an elevation certificate, the county and your insurer. FEMA flood map
This building was built in 1969, according to the county property appraiser.
If it has three or more habitable stories, Florida law (s. 553.899, F.S.) requires a milestone structural inspection by December 31 of the year it reaches 30 years of age, then every 10 years; for a building of this age the first one was due by December 31, 2024. A local building official may require it at 25 years near salt water.
Condominium buildings of three or more stories also need a structural integrity reserve study (s. 718.112(2)(g), F.S.) at least every 10 years; associations formed on or before July 1, 2022 had to complete one by December 31, 2025.
Dates follow from the statutes and the year the county appraiser lists for the building, not from the association's records. Ask the association for its milestone inspection report, its most recent structural integrity reserve study and any approved or proposed special assessments, and review them before you buy.
Listing data provided by the Southeast Florida Multiple Listing Service (MIAMI REALTORS®). The data is deemed reliable but is not guaranteed accurate by the MLS. IDX information is provided exclusively for consumers' personal, non-commercial use, may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and is deemed reliable but is not guaranteed accurate by the MLS. Atlantic Luxury Advisors is a real estate team at Keller Williams Realty. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.