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
$2,050,0009901 W Bay Harbor Drive #503, Bay Harbor Islands, FL 33154
Listing courtesy of Unique International Properties · 786-452-2950 · 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
- $2,050,000 · $1,233/sqft
- Property taxes
- $23,000/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
- $2,200/moFrom the listing, unconfirmed
- Fee covers
- Cable TV, Internet, Maintenance Grounds, Trash, Water, Elevator, Hot Water, 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 8 ft. Lenders require flood insurance here; get a quote.FEMA flood map, checked Oct 28, 2026
- Monthly payment (estimate)
- $16,774/mo: $11,177 loan + $3,246 tax + $151 insurance + $2,200 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
- 2025 · 6 stories
- Days on market
- About 47 days
- Price history (this listing)
- Listed Sep 16, 2026.
Details
- TypeCondo
- Beds3 bd
- Baths3.5
- Size1,662 sqft
- Year built2025
- Parking2 garage
- ViewBay
- FurnishedUnfurnished
- 55+ statusMarked 55+ in MLS - ask Zach to confirm
- NeighborhoodAlana Bay Harbor Dr
- ZIP33154
- MLS #A12086966
- 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
BRAND-NEW CONSTRUCTION | BAY HARBOR ISLANDS — A rare opportunity to own a sophisticated corner residence in the only new building in Bay Harbor Islands ready for occupancy. Residence 503 is ideally positioned high in the sky on the Northwest corner, offering beautiful panoramic bay views and spectacular sunsets.This elegant 3-bedroom, 3.5-bath residence features refined Calacatta porcelain flooring throughout, a sophisticated European kitchen with custom oak cabinetry, and top-of-the-line Bosch appliances. Designed for effortless luxury and modern living, the residence also includes 2 assigned parking and private storage.Enjoy resort-style amenities including a rooftop pool with breathtaking sunset views, summer kitchen and BBQ area—perfect for entertaining and relaxing. Ideally located within walking distance to the beach, parks, shopping and restaurants, and just minutes from the iconic Bal Harbour Shops.A truly exceptional opportunity to experience new-construction luxury in one of Miami’s most exclusive island communities. Easy to show.
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 2025, 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
- 2025 (1 year old)
- Stories
- 6
- HOA / condo fee
- $2,200/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Internet, Maintenance Grounds, Trash, Water, Elevator, Hot Water, Pool Service
- Pets
- Yes
- Milestone inspection
- Due by Dec 31, 2055 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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Listing courtesy of Unique International Properties · 786-452-2950 · 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.