Listing courtesy of Fortune International Realty · BeachesMLS
$1,980,0001135 103rd Street #203, Bay Harbor Islands, FL 33154
Listing courtesy of BRG International , LLC · 305-397-8788 · BeachesMLS
Full disclosure: what this home really costs
12 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 30, 2026, unless a row says otherwise.
- Price
- $1,980,000 · $849/sqft
- Property taxes
- $30,515/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
- $5,765/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Maintenance Structure, Pest Control, Trash, Water, Common Areas, Elevator, Pool Service
- Special assessments
- None listed
- 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
- Zone AE: high-risk flood area, base flood elevation 9 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 28, 2026
- Monthly payment (estimate)
- $19,846/mo: $10,795 loan + $3,135 tax + $151 insurance + $5,765 HOA. 20% down, 7.24% rate (Freddie Mac, week of October 29, 2026), 30 years. Change the numberszach.homes calculator (not a loan offer)
- Year built
- 2024 · 8 stories
- Days on market
- About 16 days
- Price history (this listing)
- Listed Oct 17, 2026.
Details
- TypeCondo
- Beds3 bd
- Baths3.5
- Size2,333 sqft
- Year built2024
- Parking2 garage
- PoolCommunity
- WaterfrontYes: Ocean Access, Bayfront, Intracoastal, Point Lot
- ViewGarden
- FurnishedUnfurnished
- NeighborhoodBay Harbor Islands
- ZIP33154
- MLS #A12108534
- To the beachAbout 0.6 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Unit 203 at Onda Residences — a unique 2,333 SF garden residence in one of Bay Harbor Islands' most coveted new developments. The floor plan features three large bedrooms, 3.5 bathrooms, plus den across a wide-open living area that reads more like a home than a condominium. Impact-resistant glass throughout. The garden positioning gives this unit something rare in a waterfront condominium: the feel of a home — direct ground-level connection, natural light from multiple exposures, lush tropical landscaping framing every window, and a sense of privacy that upper-floor units do not offer. Steps from the building's fitness center and spa without taking an elevator. Fully accessorized Snaidero kitchen with Miele appliances. Italian marble bathrooms with wood cabinetry. Italian porcelain flooring throughout. Onda is a premier 41-unit building with rooftop pool and summer kitchen, private marina with 15 slips and direct ocean access via Haulover Inlet, gym and spa, 24-hour valet and security, and landscape by Enzo Enea. This is the best value per square foot in the building — with a floor plan and garden setting that few residences here can match. Available for occupancy August 1, 2026. Steps from Bal Harbour Shops and the beach. No showings on Saturdays. ONDA RESIDENCES – UNIT 203 | GARDEN RESIDENCE | BAY HARBOR ISLANDSUnit 203 is one of the rare garden residences at Onda, a boutique collection of just 41 homes completed in 2024 in the heart of Bay Harbor Islands. With 2,333 SF of interior living space, three bedrooms, three full and one half bathrooms, plus a den, this residence offers the scale and flow of a single-family home with the services and security of a full-amenity waterfront building.THE RESIDENCEThe open layout brings the living and dining areas together into one generous, light-filled space designed for both everyday living and entertaining. The garden-level position is what sets this home apart: a direct ground-level connection to the outdoors, natural light from multiple exposures, and lush tropical landscaping framing every window. It delivers a sense of privacy and calm that upper-floor units simply cannot replicate. Impact-resistant glass is installed throughout.KITCHENA fully equipped Snaidero kitchen from Italy, outfitted with a complete Miele appliance package, combines clean European design with professional-grade performance.BEDROOMS & BATHSAll bedrooms are generously sized. The primary suite is on the ground level and features a bath wi
Monthly payment calculator
Rate: 7.24% 30-year fixed average (Freddie Mac, week of October 29, 2026). Your own rate may differ; you can change it here.
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
- Zone AE: high-risk flood area. A FEMA Special Flood Hazard Area (about a 1% chance of flooding each year). Lenders require flood insurance for federally backed mortgages here. Source: FEMA National Flood Hazard Layer, checked Oct 28, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2024, 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
- 2024 (2 years old)
- Stories
- 8
- HOA / condo fee
- $5,765/mo (from the listing, unconfirmed)
- Fee covers
- Maintenance Grounds, Maintenance Structure, Pest Control, Trash, Water, Common Areas, Elevator, Pool Service
- Pets
- Yes, Pet Restrictions Possible
- Milestone inspection
- Due by Dec 31, 2054 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
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Zach will reply as soon as he can.
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
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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 Nov 2, 2026, 6:06 AM 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.