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+6 photosLuxury townhome — 10190 E Bay Harbor Drive 13 · Bay Harbor Island · Bay Harbor Islands
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Open property magazine$3,285,000
10190 E Bay Harbor Drive 13, Bay Harbor Islands, FL 33154
Bay Harbor Islands, FL, 33154
4 bd · 5 ba · 2,738 sqft
Listed by Douglas Elliman
10190 E Bay Harbor Drive 13, Bay Harbor Islands, FL 33154
Listed by Douglas Elliman
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Estimated monthly payment
$21,395/mo
Know your costs before you buy
Work through three numbers: your estimated monthly payment, the cash needed at closing, and insurance & flood.
Estimated monthly payment $21,395/mo · principal, interest, taxes, insurance and HOA. Verify before you buy.
Cash to close includes the down payment, lender and title costs, taxes, insurance prepayments and escrow deposits. Editable estimate only.
Insurance and flood: AE · verify insurance quotes before buying.
About this home
Find similar homesDiscover Bay Villas, your luxurious retreat in the sought-after Bay Harbor Islands. This exclusive neighborhood is Miami's hidden gem, offering charming, walkable streets, waterfront access, and laid-back elegance.This townhome features 4 bedrooms, 4.5 bathrooms, and 2,738 sq ft of refined interior living across three levels, plus a magnificent rooftop terrace. Highlights Include: Interior Elevator from ground floor to rooftop. Private, 2-car climate-controlled garage. Armony Cucine kitchen with Miele appliance and coffee system. Stone countertops, premium fixtures, and high-end flooring options. Smart home ready with dimmer switches and base security system.Delivery date: Q2 2027.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
364 days on market
Longer time on market usually means the seller is more open to negotiating on price and terms.
Price reductions and days on market come from this listing's MLS record. This is an initial market signal, not a formal appraisal or full comparable market analysis.
Property Details
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Your costs (est.)
≈ $21,395/mo
10190 E Bay Harbor Drive 13, Bay Harbor Islands, FL 33154 · Bay Harbor Islands
Location
10190 E Bay Harbor Drive 13, Bay Harbor Islands, FL 33154
What buyers ask about this home
What are the estimated monthly carrying costs at 10190 E Bay Harbor Drive 13, Bay Harbor Islands, FL 33154?+
Property tax (after sale): $3,743/month est.; homeowners insurance: $607/month est.; HOA: $0/month. Fixed ownership costs before a mortgage: $4,350/month est. Principal and interest: $17,045/month; PMI: $0/month. Total for the payment scenario shown: $21,395/month est. Flood insurance is not included. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 10190 E Bay Harbor Drive 13, Bay Harbor Islands, FL 33154?+
Usually yes. In Florida the assessed value resets to market value in the year after a sale, so the seller's current tax bill is rarely what a new owner pays. Budget roughly 1.8–2.0% of the purchase price annually until you file for homestead exemption and the Save Our Homes cap (or the 10% non-homestead cap) starts limiting increases.
Does 10190 E Bay Harbor Drive 13, Bay Harbor Islands, FL 33154 need flood insurance, and what drives the premium?+
Most of Bay Harbor Islands sits in a FEMA flood zone, and lenders require flood coverage in high-risk zones. Premiums are driven by elevation certificate, flood zone, roof age and shape, and whether the home has impact windows or accordion shutters. Ask for the current declarations page, the four-point inspection and wind mitigation report early — they set your real cost of ownership.
What should I check about the association before buying 10190 E Bay Harbor Drive 13, Bay Harbor Islands, FL 33154?+
For a Florida condo, review the milestone structural inspection and the Structural Integrity Reserve Study, current reserve balances, any pending or recently voted special assessment, the association's insurance and its litigation history. Ask how many units are owner-occupied and whether the lender will approve the building — a poorly funded association is the single biggest hidden cost in a condo purchase.
Can 10190 E Bay Harbor Drive 13, Bay Harbor Islands, FL 33154 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Bay Harbor Islands luxury buildings limit leases to once or twice a year with a minimum term and require board approval and an application fee. Request the declaration and rules before your inspection period ends if rental income matters to your plan.
Is there room to negotiate on 10190 E Bay Harbor Drive 13, Bay Harbor Islands, FL 33154?+
This listing has been on the market 364 days. Leverage comes from days on market, price history, comparable closed sales and the seller's motivation — not from a fixed percentage. I pull the full history and the true comps before we write, so the offer is built on what the property is actually worth today. Call or text (954) 562-1798 for that analysis.
Neighborhood & Commute
Located in Bay Harbor Islands, this property offers the South Florida lifestyle — warm-weather living year-round with easy access to the Atlantic coast, A-rated schools, and major business centers.
Approximate Drive Times
Drive times are estimates based on straight-line distance at typical South Florida traffic speeds. Actual times vary with traffic and routing.
Assigned schools for this address
Ruth K. Broad Bay Harbor K-8 Center
Elementary · 0.5 mi from this home · 1155 93Rd St, Bay Harbor Islands
Nautilus Middle
Middle school
North Miami Beach Senior High
High school · 3.8 mi from this home · 1247 Ne 167Th St, North Miami Beach
Zone boundaries published by Miami-Dade County Public Schools.
Other options for this address
Mater Biscayne Academy North Miami Elementary School
Elementary · Charter · Grades PK–5 · North Miami
Mater Biscayne Academy North Miami Middle School
Middle school · Charter · Grades 6–8 · North Miami
Yeshiva Toras Chaim Toras Emes Rohr Middle School
Middle school · Private · Jewish · Grades 6–8 · North Miami Beach
Advance Christian Academy
Pre-K & Kindergarten · Private · Christian · Grades K–12 · North Miami
Archdiocese Of Miami Virtual Catholic School
Pre-K & Kindergarten · Private · Catholic · Grades K–12 · Miami Shores
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
The home, in a magazine
A closer look at this home and its lifestyle — dedicated to you and your family.
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Simon Gedz
Realtor® since 1995
Interested in this property?
$3,285,000 · MLS A11913652
$3,285,000
10190 E Bay Harbor Drive 13
