3D tour
$4,223,000
9760 W Bay Harbor Drive #302, Bay Harbor Islands 33154
Est. $33,812/mo with 20% down incl. HOA
Listing courtesy of Cervera Real Estate Inc. · BeachesMLS
$4,599,0001177 Kane Concourse #406, Bay Harbor Islands, FL 33154
Listing courtesy of Fortune Christie's Intl R.E. · 305-856-2600 · BeachesMLS
Full disclosure: what this home really costs
11 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
- $4,599,000 · $1,410/sqft
- Property taxes
- Not listed - ask Zach
- HOA / condo fee
- $5,276/moFrom the listing, unconfirmed
- Fee covers
- Internet, Common Areas
- 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 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 29, 2026
- Monthly payment (estimate)
- $37,783/mo: $25,074 loan + $7,282 tax + $151 insurance + $5,276 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
- 2026 · 8 stories
- Days on market
- About 5 days
- Price history (this listing)
- Listed Oct 28, 2026.
Details
- TypeCondo
- Beds3 bd
- Baths3.5
- Size3,262 sqft
- Year built2026
- Parking2 garage
- PoolCommunity
- ViewOther
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodTHE WELL BAY HARBOR
- ZIP33154
- MLS #A12113934
- 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
WELLNESS AT THE CORE OF THE ONLY AVAILABLE LARGEST 3 BEDROOM 05 LINE AT THE WELL BAY HARBOR ISLANDS, a boutique building shaped around health and longevity. This wellness-driven community is now completed and ready for move-in! Spanning 3,671 sq ft, Residence 405 unfolds with a 3 bedroom spacious split floor plan, anchored by an oversized entertainment area that feels like a single family residence, with floor-to-ceiling doors that fill the interiors with natural light. 3 private terraces extend the living spaces, creating indoor-outdoor flow to live, host, and unwind. Wellness elements are integrated throughout, creating a sense of calm & understated luxury rarely found in new construction: custom wood cabinetry w/ stone countertops, marble & travertine surfaces, spa-inspired details: rain shower, aromatherapy, red light therapy, filtered water, built-in air purification, and non-toxic paint finishes, complemented by Sub-Zero & Wolf appliances. 2 covered parking spaces & 1 storage included. Developed by Terra Group w/ interiors by Meyer Davis, The Well is a limited collection of 65 residences with over 22,000 sq ft of amenities, including a membership to THE WELL Club, offering state-of-the-art fitness and wellness center, infrared saunas, hyperbaric oxygen therapy, cold plunges, 150+ monthly classes, and an onsite functional medicine. Resident only amenities include a rooftop pool deck, zen garden, private beach club, fitness center, resident lounge, & house car service.
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
- 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 29, 2026. This is a map lookup, not an official flood zone determination.
- 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
- 1176
- Year built
- 2026 (new)
- Stories
- 8
- HOA / condo fee
- $5,276/mo (from the listing, unconfirmed)
- Fee covers
- Internet, Common Areas
- Pets
- Yes, Size Limit
- 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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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 1, 2026, 7:36 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.