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1135 103rd St #506
Bay Harbor Islands, FL 33154
Listing courtesy of Coldwell Banker Realty. Contact: [email protected].
Enjoy breathtaking panoramic bay views throughout your coveted corner oasis at Onda, an intimate collection of just 41 newly constructed residences developed by Valerio Morabito and designed by Arquitectonica in Bay Harbor Islands. This exceptional 4BD/4.5BA residence features floor-to-ceiling hurricane-impact windows and sliding glass doors, creating a bright and airy atmosphere. This premier line boasts a spectacular oversized wraparound terrace, inviting you to embrace Miami’s indoor-outdoor lifestyle from sunrise to sunset. Sophisticated interiors feature Murano chandeliers, an Italian-designed Snaidero kitchen w/ marble countertops & Miele appliances. 4 en-suite bedrooms w/ oversized walk-in closets & a one-of-a-kind private media room make this home in the sky complete. This exclusive luxury building features rooftop pool & spa, Technogym fitness center, private marina, 24-hour security & valet, EV charging & private storage. Moments from the beach & Bal Harbour’s world-class shopping & dining.
- Principal and interest
- $24,271
- Property tax
- $7,333
- Homeowners insurance
- $3,000
- HOA
- $2,316
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.
The full yearly cost of owning this home: property tax levy by levy from the published millage of the parcel’s taxing district (a mailing city is not always inside its city limits), the Save Our Homes cap, HOA and the insurance quotes to get.
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.
This building was built in 2024, 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 is due by December 31, 2054. 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 Services. Payment, tax and flood figures on this page are estimates by Atlantic Luxury Advisors, not MLS data.