Price cut $119K3D tour
$1,739,900
9901 W Bay Harbor Drive #403, Bay Harbor Islands 33154
Est. $14,192/mo with 20% down incl. HOA
Listing courtesy of Fortune International Realty · BeachesMLS
$1,499,0001176 97th Street #707, Bay Harbor Islands, FL 33154
Listing courtesy of One Sotheby's International Realty · 305-865-9811 · 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 30, 2026, unless a row says otherwise.
- Price
- $1,499,000
- Property taxes
- Not listed - ask Zach
- HOA / condo fee
- Not listed - ask Zach
- Fee covers
- Security, Sewer, Trash, Water
- 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
- Not listed - ask Zach
- Monthly payment (estimate)
- $10,697/mo: $8,173 loan + $2,373 tax + $151 insurance. 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
- 2026
- Days on market
- About 143 days
- Price history (this listing)
- Originally listed at $1,650,000; last price change Sep 21, 2026; listed Jun 12, 2026. Down $151,000.
Details
- TypeCondo
- Beds1 bd
- Baths1.5
- Year built2026
- Parking1 garage
- PoolCommunity
- ViewOther
- NeighborhoodTHE WELL BAY HARBOR
- ZIP33154
- MLS #A12035809
- MapMap location not available
From the listing
A rare opportunity at THE WELL Bay Harbor Islands, the most anticipated wellness-focused residence in Bay Harbor Islands. This brand new one bedroom, one and half bath residence offers a bright and thoughtfully designed layout with floor-to-ceiling natural light. A private balcony that extends the living space, capturing panoramic views. Every detail has been intentionally elevated. Ownership includes membership to THE WELL Club, a 13,000-square-foot on-site sanctuary offering luxury wellness and fitness amenities, expert practitioners, a medical director, daily fitness classes, and curated holistic programming. Residents also enjoy exclusive access to a private beach club in Bal Harbour.Building amenities elevate the experience further with a rooftop deck featuring cabanas and sweeping views, a tea library, a second private gym designed by Perigon Studios, kayaks, paddle boards, 24-hour valet and concierge, and a private house car service. This green-certified boutique building is designed with advanced wellness systems, including UV water filtration and air purification throughout
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: 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 2026, 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
- 2026 (new)
- Stories
- Not listed - ask Zach
- HOA / condo fee
- Not listed - ask Zach
- Fee covers
- Security, Sewer, Trash, Water
- Pets
- Yes
- Milestone inspection
- Due by Dec 31, 2056 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 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
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 will reply as soon as he can.
Your messages go to Zach only. Reply STOP anytime and he won't follow up again.
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3D tour
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Listing courtesy of One Sotheby's International Realty · 305-865-9811 · 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 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.