3D tour
$895,000
7918 Harbor Island Drive #212, North Bay Village 33141
Est. $7,820/mo with 20% down incl. HOA
Listing courtesy of Ojeda Lazar Real Estate Inc · BeachesMLS
$971,0001850 John F. Kennedy Causeway #307, North Bay Village, FL 33141
Listing courtesy of ISG World 1, LLC. · 305-931-6511 · BeachesMLS
Full disclosure: what this home really costs
10 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
- $971,000 · $1,295/sqft
- Property taxes
- Not listed - ask Zach
- HOA / condo fee
- $1,208/moFrom the listing, unconfirmed
- Fee covers
- Maintenance Grounds, Maintenance Structure, Pest Control, Common Areas, 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
- Not listed - ask Zach
- Monthly payment (estimate)
- $8,190/mo: $5,294 loan + $1,537 tax + $151 insurance + $1,208 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
- 2028 · 28 stories
- Days on market
- About 206 days
- Price history (this listing)
- Originally listed at $941,000; last price change May 4, 2026; listed Apr 10, 2026.
Details
- TypeCondo
- Beds1 bd
- Baths1
- Size750 sqft
- Year built2028
- Parking1 garage
- PoolCommunity
- WaterfrontYes: Bayfront
- ViewBay, Intracoastal
- Laundryin-unit
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodShoma Bay
- ZIP33141
- MLS #A11998914
- MapMap location not available
From the listing
Shoma Bay is an elevated 24 story residential landmark featuring 333 condominium residences, thoughtfully conceived as a refined expression of modern luxury living.Its architecture blends a timeless Art Deco influence with a sophisticated contemporary façade, creating a striking presence in North Bay Village.The development offers a curated, resort style amenity collection designed to elevate everyday living, including a serene Zen Garden, private wine cellar, cigar lounge, gourmet dining spaces, residents’ social lounge, state of the art fitness and wellness center, spa inspired treatment areas, resort style swimming pool with sun deck, co working and business lounge, children’s play area, pet friendly amenities, concierge services, and dedicated conveniences such as a grocery delivery room and secure package management.Perfectly positioned just moments from the vibrancy of Miami while maintaining a sense of exclusivity and calm, Shoma Bay redefines luxury living as a fully integrated lifestyle where wellness, work, leisure, and community coexist seamlessly.
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 2028, 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
- 2028 (new)
- Stories
- 28
- HOA / condo fee
- $1,208/mo (from the listing, unconfirmed)
- Fee covers
- Maintenance Grounds, Maintenance Structure, Pest Control, Common Areas, Pool Service
- Pets
- Yes, Pet Restrictions Possible
- Milestone inspection
- Due by Dec 31, 2058 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
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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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Est. $9,063/mo with 20% down incl. HOA
Listing courtesy of ISG World 1, LLC. · BeachesMLS
Listing courtesy of ISG World 1, LLC. · 305-931-6511 · 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 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.