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1135 103rd St #405
Bay Harbor Islands, FL 33154
Listing courtesy of Interinvestments Realty, Inc.. Contact: [email protected].
Wake up to unobstructed Biscayne Bay views at Onda Residence 405. Enjoy your morning coffee on the 406 SF terrace, linger over dinner alfresco, or have friends pick you up by boat at Onda’s private marina. A private elevator opens directly into this 2-bedroom, 3-bath residence with an enclosed den ideal for a home office or third bedroom. Italian craftsmanship is on display in the Snaidero kitchen with Miele appliances and the Statuarietto marble baths. With just 41 residences, Onda offers a rooftop pool, a wellness center with a spa, fitness center and yoga studio, plus concierge service, valet parking and EV charging. Set in the quiet waterfront enclave of Bay Harbor Islands, Onda pairs island tranquility with everyday convenience. A new generation of luxury waterfront residences is reshaping the island, while walkable streets and neighborhood restaurants remain part of its charm. Surfside Beach and Bal Harbour Shops are about a mile away, Aventura Mall is approximately 7 miles away, and Miami International Airport is approximately 15 miles away. The A-rated Ruth K. Broad Bay Harbor K–8 Center is just steps away. It’s an exceptional opportunity to own a modern waterfront residence in one of Miami’s most sought-after island communities.
- Principal and interest
- $17,587
- Property tax
- $5,296
- Homeowners insurance
- $2,175
- HOA
- $5,250
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.