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+30 photosLuxury condo — 1135 103rd Street 203 · Bay Harbor Islands · Bay Harbor Islands




































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Open property magazine$1,980,000
1135 103rd Street 203, Bay Harbor Islands, FL 33154
Bay Harbor Islands, FL, 33154
3 bd · 4 ba · 2,333 sqft
Listed by BRG International , LLC
1135 103rd Street 203, Bay Harbor Islands, FL 33154
Listed by BRG International , LLC
Add this home to your tour day
Pick up to 6 homes. Simon confirms times with each listing agent, then sends you the final schedule.
0 of 6 homes in your tour
Estimated monthly payment
$19,064/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 $19,064/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 homesUnit 203 at Onda Residences — a unique 2,333 SF garden residence in one of Bay Harbor Islands' most coveted new developments. The floor plan features three large bedrooms, 3.5 bathrooms, plus den across a wide-open living area that reads more like a home than a condominium. Impact-resistant glass throughout. The garden positioning gives this unit something rare in a waterfront condominium: the feel of a home — direct ground-level connection, natural light from multiple exposures, lush tropical landscaping framing every window, and a sense of privacy that upper-floor units do not offer. Steps from the building's fitness center and spa without taking an elevator. Fully accessorized Snaidero kitchen with Miele appliances. Italian marble bathrooms with wood cabinetry. Italian porcelain flooring throughout. Onda is a premier 41-unit building with rooftop pool and summer kitchen, private marina with 15 slips and direct ocean access via Haulover Inlet, gym and spa, 24-hour valet and security, and landscape by Enzo Enea. This is the best value per square foot in the building — with a floor plan and garden setting that few residences here can match. Available for occupancy August 1, 2026. Steps from Bal Harbour Shops and the beach. No showings on Saturdays. ONDA RESIDENCES – UNIT 203 | GARDEN RESIDENCE | BAY HARBOR ISLANDSUnit 203 is one of the rare garden residences at Onda, a boutique collection of just 41 homes completed in 2024 in the heart of Bay Harbor Islands. With 2,333 SF of interior living space, three bedrooms, three full and one half bathrooms, plus a den, this residence offers the scale and flow of a single-family home with the services and security of a full-amenity waterfront building.THE RESIDENCEThe open layout brings the living and dining areas together into one generous, light-filled space designed for both everyday living and entertaining. The garden-level position is what sets this home apart: a direct ground-level connection to the outdoors, natural light from multiple exposures, and lush tropical landscaping framing every window. It delivers a sense of privacy and calm that upper-floor units simply cannot replicate. Impact-resistant glass is installed throughout.KITCHENA fully equipped Snaidero kitchen from Italy, outfitted with a complete Miele appliance package, combines clean European design with professional-grade performance.BEDROOMS & BATHSAll bedrooms are generously sized. The primary suite is on the ground level and features a bath with dual sinks and a separate tub and shower. All bathrooms are finished in Italian marble with warm wood cabinetry. The den is ideal as a home office, library, or media room, and a dedicated laundry/utility room adds everyday convenience.FINISHESItalian stone and porcelain flooring throughout, impact glass, and a refined, neutral palette create a timeless backdrop ready for any design vision.PARKINGTwo assigned parking spaces in the building's secured garage, with 24-hour valet service.BUILDING AMENITIES- Private marina with 15 boat slips and direct ocean access via Haulover Inlet- Rooftop pool and summer kitchen with sweeping bay and city views- Fitness center and spa, just steps from the residence with no elevator needed- 24-hour valet, doorman and security- Secured lobby, elevators and garage- Landscape design by renowned Swiss designer Enzo EneaLOCATIONBay Harbor Islands is one of Miami-Dade's most sought-after addresses: an intimate, walkable island town known for its tree-lined streets, top-rated public schools, and quiet residential character. Onda puts you moments from the world-class shopping and dining of Bal Harbour Shops, the beach, and the restaurants and cafés of Kane Concourse. Downtown Miami, Miami Beach, Aventura and Fort Lauderdale are all within easy reach, and both MIA and FLL airports are a convenient drive.WHY THIS HOMEGarden residences are among the most limited offerings at Onda. This unit pairs one of the building's most livable floor plans with a private, landscaped setting and boating access to the Atlantic, offering exceptional value per square foot within the building. A turnkey opportunity in a brand-new boutique building in one of South Florida's premier island communities.
Building health
- Building
- Bay Harbor Islands· MLS
- Year built
- 2024· MLS
- Stories
- 8· MLS
- Units
- Not provided —
- Milestone inspection
- Not provided —
- Milestone date
- Not provided —
- SIRS
- Not provided —
- SIRS date
- Not provided —
- Special assessments
- Not provided —
- Assessment amount
- Not provided —
- Assessment purpose
- Not provided —
- Assessment due date
- Not provided —
- Reserves
- Not provided —
- Minimum lease term
- Not provided —
- Rentals per year
- Not provided —
- Pet rules
- Yes, Pet Restrictions Possible· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $5,765 / month · billed Monthly· MLS
Last updated Not provided, source: MLS remarks —
Always review the association's milestone inspection report, SIRS, budget and the last 24 months of board minutes before you buy.
Property Details
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Your costs (est.)
≈ $19,064/mo
1135 103rd Street 203, Bay Harbor Islands, FL 33154 · Bay Harbor Islands
Location
1135 103rd Street 203, Bay Harbor Islands, FL 33154
Dock & Draft Match™
Building marina - confirm slip size with listing agent
Boat fit not verified. Confirm dock length, depth, bridges and ocean access before buying.
One home, every check
Dock & Draft Match™ brings this home's dock length, low-water depth, every bridge, the ocean run, frontage and yacht size together in one place. Estimate only, not guaranteed. Verify before you buy or sell.
What buyers ask about this home
What are the estimated monthly carrying costs at 1135 103rd Street 203, Bay Harbor Islands, FL 33154?+
Property tax (after sale): $2,256/month est.; homeowners insurance: $769/month est.; HOA: $5,765/month. Fixed ownership costs before a mortgage: $8,790/month est. Principal and interest: $10,274/month; PMI: $0/month. Total for the payment scenario shown: $19,064/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 1135 103rd Street 203, 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 1135 103rd Street 203, 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 1135 103rd Street 203, 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 1135 103rd Street 203, 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 1135 103rd Street 203, Bay Harbor Islands, FL 33154?+
This listing has been on the market 25 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 · 0.6 mi from this home · 1155 93Rd St, Bay Harbor Islands
Nautilus Middle
Middle school
North Miami Beach Senior High
High school · 3.7 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
Chabad Lubavitch Russian Center Of S Fl Inc
Elementary · Private · Jewish · Grades PK–K · Sunny Isles Beach
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.
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