Price cut $700K3D tour
$2,500,000
9201 E Bay Harbor Drive #UPH02, Bay Harbor Islands 33154
Est. $21,498/mo with 20% down incl. HOA
Listing courtesy of Douglas Elliman · BeachesMLS
$2,749,0009521 E Bay Harbor Drive #904, Bay Harbor Islands, FL 33154
Listing courtesy of One Sotheby's International Realty · 305-865-9811 · 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
- $2,749,000 · $1,369/sqft
- Property taxes
- $30,369/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
- $3,674/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Maintenance Grounds, Pest Control, Security, Sewer, Trash, Water, Elevator, Reserve Funds, Pool Service
- 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
- Zone AE: high-risk flood area, base flood elevation 9 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Nov 1, 2026
- Monthly payment (estimate)
- $23,166/mo: $14,988 loan + $4,353 tax + $151 insurance + $3,674 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
- 2021 · 9 stories
- Days on market
- About 7 days
- Price history (this listing)
- Listed Oct 26, 2026.
Details
- TypeCondo
- Beds3 bd
- Baths3.5
- Size2,008 sqft
- Year built2021
- Parking2 garage
- PoolCommunity
- WaterfrontYes: Canal Front, Bayfront
- ViewBay, Canal
- FurnishedUnfurnished
- NeighborhoodBAY HARBOUR ISLAND
- ZIP33154
- MLS #A12111957
- To the beachAbout 0.5 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Panoramic Bay and Water Views from This Top-Floor SE Corner Residence with Floor-to-Ceiling Windows Showcasing Incredible Water Views. Bijou Bay Harbor is a boutique luxury building in Bay Harbor Islands, only steps away from the restaurants, shops & houses of worship on Kane Concourse & Bal Harbour shops. This one-of-a-kind 3-bedroom, 3.5-bath home with four balconies is designed for entertaining and to showcase your art. Designed and furnished by Adriana Hoyos Design Studio with custom paneling, millwork, and wallpaper throughout. Private office/den, 3 en-suite baths, and designer powder room. All closets with custom millwork and doors. Split layout with private guest bedroom. Gourmet kitchen with Wolf induction cook top, double ovens, warming drawer, Sub-Zero fridge/freezer, two ASKO dishwashers, dual sinks, custom pantry and drawer inserts, and dual-zone Sub-Zero wine refrigerator. Full-size Electrolux washer/dryer. Upgrades include LED pot lighting, electric blinds/sheers, UV film, and rain and handheld showerheads in the primary bath. Large, secure adjacent storage room exclusive to this unit. Amenities include rooftop infinity pool/whirlpool, fitness center, residents’ lounge, outdoor entertaining/BBQ areas, and 24-hour security. Two parking spaces: one self-park and one valet. Beaches and top-rated A+ schools minutes away. Shabbat elevator. Boat slips available to rent for $500/month.
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 Nov 1, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 2021, 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
- 2021 (5 years old)
- Stories
- 9
- HOA / condo fee
- $3,674/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Maintenance Grounds, Pest Control, Security, Sewer, Trash, Water, Elevator, Reserve Funds, Pool Service
- Pets
- Yes
- Milestone inspection
- Due by Dec 31, 2051 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 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.