40 photos
1135 103 St #403
Bay Harbor Islands, FL 33154
Listing courtesy of Douglas Elliman (Michael Light). Contact: [email protected].
Onda is Bay Harbor Islands’ newest architectural landmark, completed in 2024. This expansive 3-bedroom + Den,4.5-bathroom condo offers 3,075 square feet of refined interior living space, thoughtfully designed to capture the serenity and beauty of its surroundings while delivering a truly elevated lifestyle. East and west-facing balconies showcase direct-water views, allowing you to enjoy glowing sunrises in the morning and tranquil sunsets in the evening. Floor-to-ceiling glass fills the residence with natural light and creates a seamless indoor-outdoor flow, ideal for both everyday living and entertaining. The Snaidero-designed kitchen blends Italian craftsmanship with modern functionality, featuring sleek custom cabinetry and a full suite of Miele appliances. Open living and dining areas are complemented by clean architectural lines and sophisticated finishes throughout. Each bedroom offers generous proportions and en-suite bathrooms with spa-inspired details, while the additional powder room provides convenience for guests. Located in the heart of Bay Harbor Islands, Onda offers a boutique island lifestyle defined by walkability, waterfront beauty and a sense of privacy. Just moments from Bal Harbour Shops, pristine beaches, fine dining and top schools, this residence delivers the perfect balance of tranquility and connectivity. A rare opportunity to own a modern waterfront home in one of Miami’s most desirable island communities.
- Principal and interest
- $20,201
- Property tax
- $6,092
- Homeowners insurance
- $2,500
- HOA
- $7,627
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.
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.