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+18 photosLuxury condo — 1176 97th Street 703 · Bay Harbor Island · Bay Harbor Islands
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Open property magazine$2,745,000
1176 97th Street 703, Bay Harbor Islands, FL 33154
Bay Harbor Islands, FL, 33154
2 bd · 3 ba · 1,756 sqft
Listed by Douglas Elliman
1176 97th Street 703, Bay Harbor Islands, FL 33154
Listed by Douglas Elliman
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Estimated monthly payment
$22,719/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 $22,719/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: Zone not provided · verify insurance quotes before buying.
About this home
Find similar homesDiscover elevated wellness living at THE WELL with this beautifully positioned 7th-floor residence in Bay Harbor Islands. Offering 1,756 SF, this spacious 2-bedroom home features a split-bedroom floor plan, floor-to-ceiling glass, and a generous private terrace overlooking the landscaped courtyard and water features. The residence incorporates THE WELL’s signature wellness elements, including advanced air purification, whole-home water filtration, red-light therapy, an Affusion spa shower, and hydroponic herb garden. Two memberships to THE WELL Club are included, along with access to the exclusive beach club at The St. Regis Bal Harbour. Residents also enjoy a rooftop pool, fitness and wellness spaces, tea lounge, meditation areas, paddle boards, kayaks, valet and concierge. Two covered parking spaces and private climate-controlled storage complete the offering.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 8%
The seller has come down from $2,995,000 to $2,745,000 — a $250,000 reduction since it came on the market.
137 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.
Building health
- Building
- BAY HARBOR ISLAND· MLS
- Year built
- 2026· 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· MLS
- Age restriction (55+)
- Not provided —
- HOA fee
- $5,074 / 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.)
≈ $22,719/mo
1176 97th Street 703, Bay Harbor Islands, FL 33154 · Bay Harbor Islands
Location
1176 97th Street 703, Bay Harbor Islands, FL 33154
What buyers ask about this home
What are the estimated monthly carrying costs at 1176 97th Street 703, Bay Harbor Islands, FL 33154?+
Property tax (after sale): $3,128/month est.; homeowners insurance: $274/month est.; HOA: $5,074/month. Fixed ownership costs before a mortgage: $8,476/month est. Principal and interest: $14,243/month; PMI: $0/month. Total for the payment scenario shown: $22,719/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 1176 97th Street 703, 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 1176 97th Street 703, 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 1176 97th Street 703, 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 1176 97th Street 703, 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 1176 97th Street 703, Bay Harbor Islands, FL 33154?+
This listing has been on the market 137 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.
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.
Open the magazine
Simon Gedz
Realtor® since 1995
Interested in this property?
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