Luxury condo — 1535 SE 15th Street 301 · Harbor View Apts Condo · Fort Lauderdale
South Florida Luxury Living
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1535 SE 15th Street 301, Fort Lauderdale, FL 33316
Fort Lauderdale, FL, 33316
Listed by Sapphire Luxury Properties
1535 SE 15th Street 301, Fort Lauderdale, FL 33316
Listed by Sapphire Luxury Properties
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.
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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
20% down · 6.75% interest · 30-year loan
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $2,589/mo
- Property tax (after sale) est.
- $945/mo
- Homeowners insurance est.
- $263/mo
- HOA
- $870/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
1535 SE 15th Street 301, Fort Lauderdale, FL 33316
Estimated cash to close est.
$114,607.93
Down payment plus Florida taxes, title, lender and prepaid costs.
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Loan amount (calculated): $399,200.00
Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.
Edit closing costs & prepaids
Assumes both policies cover identical land and dates, with loan coverage within owner coverage—even if the seller pays owner title. Minimum lender premium $25. Turn off if not eligible. Endorsement allowance defaults to one $25 endorsement; actual requirements and premiums vary (Florida 69O-186.005).
Appraisal starts at $650. Waterfront and luxury homes may require a higher fee; confirm with your lender.
Tax uses existing ZIP estimates (after sale); insurance uses existing site estimates. Edit with your quote. If HOA insurance is included, confirm separate unit-owner coverage. Missing HOA costs are excluded—not assumed zero.
Estimated cash to close est.
$114,607.93
- Down payment est.
- $99,800.00
- Mortgage note documentary stamps est.
- $1,397.20
- Mortgage intangible tax est.
- $798.40
- Lender’s title insurance est.
- $25.00
- Lender title endorsements est.
- $25.00
- Lender fees est.
- $1,500.00
- Appraisal est.
- $650.00
- Owner’s title insurance est.
- $2,570.00
- Title search & examination est.
- $125.00
- Municipal lien search est.
- $150.00
- Settlement / closing fee est.
- $450.00
- County recording (deed) est.
- $30.00
- County recording (mortgage) est.
- $120.00
- Inspection, wind mitigation & 4-point est.
- $900.00
- Survey est.
- $500.00
- Property tax escrow (2 months, after sale) est.
- $1,890.00
- Insurance escrow (2 months) est.
- $525.33
- First-year insurance premium est.
- $3,152.00
- HOA / condo contribution or transfer est.
- Not provided
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Mortgage stamps: $0.35 per $100 or fraction. Intangible tax: 0.2% of loan. Title uses Florida 69O-186.003 base rates. Assumes 2 months of tax/insurance escrow for financed purchases plus first-year insurance; cash purchases have no lender escrow.
Before deposits and credits. Prepaid interest and other contract costs are not included. Discounts and title endorsements must be confirmed by the title company. Title search, municipal lien search, settlement and recording are pass-through title company charges for cash and financed buyers alike; the municipal lien search is priced by each city and can run higher (e.g. Boca Raton $150, Coral Gables $220).
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Insurance & flood
- Flood zone (FEMA)
- Not available —
- Homeowners insurance est.
- $263 / month
Source: FEMA National Flood Hazard Layer · Date checked: Not provided
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
Flood zone: Not available —
Source: FEMA National Flood Hazard Layer · Date checked: Not provided
- Roof type
- Not provided —
- Roof year
- Not provided —
- Impact windows / doors
- Full impact windows (per listing remarks)
- Shutters
- Not provided —
- Window features
- Blinds
- Year built
- 1963
Homeowners insurance: $263 / month est.
- Annual premium est.
- $2,847
- Fees & taxes est.
- $305
- Annual total est.
- $3,152
- Likely range est.
- $2,680–$3,783
- Dwelling coverage est.
- $257,925
- Other structures est.
- $5,159
- Personal property est.
- $51,585
- Loss of use est.
- $25,793
- Hurricane deductible (2%) est.
- $5,159
Based on the listing: 1,086 sq ft · built 1963 · 3 stories · impact windows / shutters.
Dwelling coverage uses living area × county rebuilding cost. Selling price and land value are not included. The monthly estimate includes fees and applicable taxes.
Broward inland rates were calibrated against two supplied policies; other county and coastal rates have not yet been calibrated against real quotes.
Assumed where the listing is silent: concrete-block construction · coastal rating band · roof 6–15 years old · gable roof · standard finish · 2% hurricane deductible · admitted carrier; no surplus-lines tax. A newer roof, a hip roof shape, or a higher deductible can lower the premium; frame construction can raise it.
Educational estimate only, not an insurance quote. Actual premiums depend on the carrier, inspections, discounts, and underwriting. Flood insurance not included. Simon Gedz is a Realtor, not a licensed insurance agent.
The FEMA map is a strong indication, not the final answer: your lender orders its own flood zone determination. Cash buyers are not required to carry flood insurance, but on the water it is strongly recommended.
Florida rule: by 2027, Citizens policyholders must carry flood insurance even outside a flood zone, unless the Citizens policy excludes wind coverage. The FEMA map does not show this.
How flood insurance is priced (FEMA Risk Rating 2.0)
Flood insurance is priced home by home, so two neighbors on the same canal can pay very different amounts. Premiums depend on the home's elevation (first-floor height above the expected flood level), distance to water (ocean, Intracoastal, canal or river), the type of flood risk (storm surge, heavy rain or river overflow), the cost to rebuild, the foundation and construction type, and past flood claims on the property.
Federal flood insurance (NFIP) pays at most $250,000 for the building and $100,000 for contents. A luxury waterfront home needs private flood insurance or an "excess flood" policy on top.
Before an offer: pull the official FEMA flood map (FIRMette), ask the seller for an elevation certificate (it largely decides the price), ask whether the seller's existing NFIP policy can be transferred to you (sometimes at a lower rate), and have an insurance agent check prior flood claims (CLUE report). New NFIP policies usually have a 30-day wait before they take effect — don't leave it until the week of closing.
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
About This Property
Find similar homesCoastal Living Meets Ultimate Peace of Mind! Welcome to this bright and sunlit waterfront sanctuary located on the top floor of an exclusive, 3-story boutique building of just 27 residences directly on the Intracoastal. As a premier 3rd-floor corner unit, this home boasts stunning water views from every window and an expansive screened balcony perfect for enjoying the coastal breezes, while taking in the pool view as well as Intracoastal views. The building features a new roof, completed 40-year certifications, healthy reserves, and no special assessments. Step inside to a modern open-concept layout bathed in natural light, complete with a sleek white kitchen, full impact windows, a tankless hot water heater, and an ***in-unit washer/dryer. ***Boaters will love the direct ocean-access dock space available to rent with no fixed bridges! Enjoy assigned parking space #13, guest parking, and the option for owners to rent additional spots. Bring your furry friends, too—dogs under 30 lbs and cats are welcome! Unbeatable location just minutes from Fort Lauderdale Beach, Whole Foods, fine dining, and FLL Airport. Whether you're seeking a primary residence or a tropical getaway, this turnkey retreat checks every single box. Schedule your private tour today! Rental policy: 1 time per year. **BOAT SLIP POSSIBILITY FOR RENT: 1st Come Don't Wait ** Boat size possibly up to 40ft depending on boat width
Building health
- Building
- HARBOR VIEW APTS CONDO· MLS
- Year built
- 1963· MLS
- Stories
- 3· 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
- $870 / 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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1535 SE 15th Street 301, Fort Lauderdale, FL 33316 · Fort Lauderdale
Location
1535 SE 15th Street 301, Fort Lauderdale, FL 33316
What buyers ask about this home
What are the estimated monthly carrying costs at 1535 SE 15th Street 301, Fort Lauderdale, FL 33316?+
Property tax (after sale): $945/month est.; homeowners insurance: $263/month est.; HOA: $870/month. Fixed ownership costs before a mortgage: $2,078/month est. Principal and interest: $2,589/month; PMI: $0/month. Total for the payment scenario shown: $4,667/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 1535 SE 15th Street 301, Fort Lauderdale, FL 33316?+
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 1535 SE 15th Street 301, Fort Lauderdale, FL 33316 need flood insurance, and what drives the premium?+
Most of Fort Lauderdale 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 1535 SE 15th Street 301, Fort Lauderdale, FL 33316?+
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 1535 SE 15th Street 301, Fort Lauderdale, FL 33316 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Fort Lauderdale 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 1535 SE 15th Street 301, Fort Lauderdale, FL 33316?+
This listing has been on the market 70 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
Fort Lauderdale. Venice of America — 165+ miles of navigable waterways, Las Olas dining, and easy I-95 / Brightline access.
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
Simon Gedz
Realtor® since 1995
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