Price cut $700K3D tour
$2,500,000
9201 E Bay Harbor Drive #UPH02, Bay Harbor Islands 33154
Est. $20,183/mo with 20% down incl. HOA
Listing courtesy of Douglas Elliman · BeachesMLS
$2,795,0001130 100th Street #3D, Bay Harbor Islands, FL 33154
Listing courtesy of Compass Florida, LLC · 305-851-2820 · BeachesMLS
Full disclosure: what this home really costs
9 of 12 answered from real sources. Anything not in the listing says so, and one tap asks Zach. Nothing here is guessed. Source: BeachesMLS listing, updated Oct 6, 2026, unless a row says otherwise.
- Price
- $2,795,000 · $1,066/sqft
- Property taxes
- $83,164/yr (2025 bill). A new owner's bill is reset from the sale price and is usually higher; Zach can pull the county estimate.
- HOA / condo fee
- $2,532/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Structure
- Special assessments
- Not listed - ask Zach
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $1,816/yr (HO-6 condo policy, county average). Get a real quote before you offer.Florida OIR county average with wind, data as of Mar 31 2026
- Flood zone
- Not listed - ask Zach
- Monthly payment (estimate)
- $23,381/mo: $13,767 loan + $6,930 tax + $151 insurance + $2,532 HOA. 20% down, 6.25% rate, 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 2027 · 7 stories
- Days on market
- About 376 days
- Price history
- Not listed - ask Zach
Details
- TypeCondo
- Beds3 bd
- Baths3.5
- Size2,622 sqft
- Year built2027
- Parking2 garage
- PoolCommunity
- ViewOther
- NeighborhoodBAY HARBOR ISLAND
- ZIP33154
- MLS #A11893629
- To the beachAbout 0.7 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Residence 3D at Porto Bay offers 3 bedrooms plus a den and 3.5 baths with 2,622 SF of interiors and a 641 SF wraparound terrace. This bright corner home features a spacious great room with open dining and living areas, European oak floors, and a gourmet island kitchen with Bosch appliances and travertine countertops. The primary suite includes a walk-in closet and a spa-inspired bath with dual vanities and Porcelanosa finishes, while one secondary bedroom enjoys access to a private terrace. A den, powder room, washer/dryer, and two parking spaces complete the home. Experience serene island living in a boutique 18-residence building featuring a gym, sauna, cold plunge, elegant lobby, and an outdoor rooftop pool with panoramic views. Secure your place while early pricing is still available.
Monthly payment calculator
Estimate, not a loan offer. Tax default: the higher of the seller's bill and about 1.9% of price (Florida resets a new owner's assessment). Insurance default: Florida OIR county average with wind, data as of Mar 31 2026. Rate is an assumption; your lender sets the real one. Zach doesn't take lender or title referral fees.
Florida risk facts
- Flood zone
- Not checked yet. Look it up on FEMA's map or ask Zach.
- Wind and building code
- Built in 2027, after the statewide Florida Building Code took effect in 2002. Ask for the wind mitigation report; it can lower insurance. My Safe Florida Home offers free inspections and grants when funded.
- Disclosure
- Florida sellers must give you a flood disclosure about known flood damage, insurance claims and federal assistance (§689.302).
We don't show crime scores or rate neighborhoods. Every listing is open to everyone.
Condo health facts
- Building
- Not listed - ask Zach
- Year built
- 2027 (new)
- Stories
- 7
- HOA / condo fee
- $2,532/mo (from the listing, unconfirmed)
- Fee covers
- Maintenance Structure
- Pets
- Yes, Pet Restrictions Possible
- Milestone inspection
- Due by Dec 31, 2057 for buildings 3+ stories (local officials can require it at 25 years).
- Reserve study (SIRS)
- Condo buildings 3+ stories must have a structural integrity reserve study. Look up the building's filing in the state condo database (DBPR) or ask Zach for the document pack.
Facts only, from the listing and state law. We don't grade buildings. How Florida's condo safety laws work.
Start an offer
- Pre-approval letter or proof of funds (cash)
- The price you'd offer and your deposit
- Financing type and closing date
- Inspection period you want (often 10-15 days)
- Condo documents review: Florida gives you a review period after you receive the association documents
- A signed buyer agreement with Zach (Florida practice before touring or offering)
Nothing here is a binding offer. Zach calls you, checks the comps and writes the contract with you.
Ask Zach anything
One tap opens a text with this address filled in.
Zach replies personally within 15 minutes, 8 AM to 9 PM ET, 7 days. Outside those hours, by 9 AM.
From finding it to the keys, one agent
- Find it
Every home for sale and rent from the MLS, with the real monthly cost. Or tell Zach what you want and he looks for you. - Tour it
Same day when the listing side allows, in person or live video. - Afford it
Real Florida costs up front: taxes, HOA, insurance, flood zone, assessments. Buyers: pre-approval with a lender you choose. Renters: your renter résumé and documents in one place. - Make the offer or apply
Zach writes the offer or the application, negotiates, and handles the association approval. - Close or get the keys
Zach tracks every deadline through inspections, condo documents and closing or lease signing, then stays your agent after.
Report a problem with this listing
Wrong price, already sold, wrong photos, or something that looks like a scam copy? This goes straight to Zach, who fixes or escalates it within 2 business days.
Never send a deposit by Zelle, Cash App, wire or crypto, and never before you've seen the home with a licensed agent.
Chat with Zach
Zach typically replies within 15 minutes, 8 AM to 9 PM ET. After hours, by 9 AM.
Your messages go to Zach only. Reply STOP anytime and he won't follow up again.
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Address not published, Bay Harbor Islands 33154
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Listing courtesy of Compass Florida, LLC · 305-851-2820 · BeachesMLS
All listings featuring the BMLS logo are provided by BeachesMLS, Inc. This information is not verified for authenticity or accuracy and is not guaranteed. Copyright ©2026 BeachesMLS, Inc. Listing data last updated Oct 27, 2026, 4:51 PM ET. Listing information is deemed reliable but not guaranteed. zach.homes estimates and Zach's notes are shown separately from MLS data and labeled with their source.