Price cut $601K3D tour
$3,999,000
9705 Collins Avenue #2304N, Bal Harbour 33154
Est. $34,310/mo with 20% down incl. HOA
Listing courtesy of Keller Williams Elite Properties · BeachesMLS
$5,250,0009999 Collins Avenue #9J, Bal Harbour, FL 33154
Listing courtesy of RE/MAX Allstars · 954-963-7111 · 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 31, 2026, unless a row says otherwise.
- Price
- $5,250,000 · $1,431/sqft
- Property taxes
- $39,606/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
- $6,839/mo
The remarks say something different: “Condo maintenance fee: $6,498.47/mo.” The MLS fee field is shown above; ask Zach which is current.From the listing, unconfirmed - Fee covers
- Cable TV, Insurance, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Elevator, Hot Water, Recreation Facility, Pool Service
- Special assessments
- Yes – amount not listed, ask Zach
- Mandatory club / membership
- Not required per the MLS
- Insurance (estimate)
- About $2,801/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 X (shaded): moderate flood risk. Flood insurance optional; often worth pricing.FEMA flood map, checked Oct 31, 2026
- Monthly payment (estimate)
- $44,008/mo: $28,623 loan + $8,313 tax + $233 insurance + $6,839 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
- 1990 · 26 stories
- Days on market
- About 42 days
- Price history (this listing)
- Listed Sep 21, 2026.
Details
- TypeCondo
- Beds3 bd
- Baths4.5
- Size3,670 sqft
- Year built1990
- Parking2 garage
- PoolCommunity
- WaterfrontYes: Ocean Front
- ViewSkyline, Water, Ocean
- NeighborhoodBAL HARBOUR TOWER CONDO
- ZIP33154
- MLS #A12092017
- To the beachUnder 0.1 mi (straight line to the nearest ocean beach, OpenStreetMap; not a drive time)
Check your commute (opens maps)
From the listing
Experience premier oceanfront living in this beautifully updated 3-bedroom, 4.5-bath residence, where a private elevator opens directly into an elegant and sophisticated home. Expansive wraparound terraces provide the perfect setting to enjoy the ocean & city views during the day and captivating sunsets in the evening. Thoughtfully designed with great functionality, the residence features custom built-ins, elegant natural stone floors, stunning millwork, and automated shades.The open-concept kitchen is appointed with granite countertops, Miele & Subzero appliances, and a breakfast alcove with ocean views. The laundry room is conveniently located just off the kitchen for added practicality. The sumptuous primary suite is a private retreat featuring separate his-and-hers bathrooms, two walk-in closets with custom built-ins, and beautifully appointed finishes. The third room offers flexible use as an en-suite bedroom or den. Apartment also features a dedicated office complete with built-in file drawers. Condo comes with a highly desirable, updated furnished cabana with direct access to the oceanfront walking/ biking path & the beach. Included in the price. Residents enjoy the services and amenities of a premier oceanfront building, including a private restaurant, security, spa, fitness, tennis, pickleball, beach and pool service. Building is currently undergoing concrete renovations with estimated completion mid 2027. Furniture available separately. Condo maintenance fee: $6,498.47/mo. & includes an annual restaurant min. of $5,200 toward food & beverage; tax & gratuity charged separately. Cabana #16 maintenance fee: $340.41/mo. 2 assigned tandem spaces #147 &148. Valet parking only/not deeded. 1 storage. Property sold AS-IS. Rentals min 2-yrs. Pending concrete restoration, est. complete mid 2027. Scope of work per 2022 SA. The Board of Directors is currently evaluating capital improvement projects, including the replacement of the tower roof, as well as renovations to the Association’s interior & common areas, which may result in special assessments in the future. Roof project is already in motion. Chandelier & scones are excluded. TV's included. Cabana furnished.
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 X (shaded): moderate flood risk. Outside the high-risk area but inside the 0.2% annual-chance (500-year) floodplain. Flood insurance is optional and often worth pricing. Source: FEMA National Flood Hazard Layer, checked Oct 31, 2026. This is a map lookup, not an official flood zone determination.
- Wind and building code
- Built in 1990, before 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
- 1990 (36 years old)
- Stories
- 26
- HOA / condo fee
- $6,839/mo (from the listing, unconfirmed)
- Fee covers
- Cable TV, Insurance, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water, Elevator, Hot Water, Recreation Facility, Pool Service
- Pets
- Yes
- Milestone inspection
- This building is 36 years old. Florida requires a milestone structural inspection for condo buildings 3+ stories by Dec 31 of the year they turn 30 (local officials can require it at 25), then every 10 years. Ask Zach for the report.
- 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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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.