Luxury condo — 5025 Collins Avenue 1103-1104-1105 · Capobella Condo · Miami Beach
South Florida Luxury Living
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A magazine dedicated to 5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140
A photo-rich, always-current edition with the home’s details, neighborhood lifestyle, assigned and nearby schools, ownership planning, and applicable waterfront guidance.
Open property magazine$5,495,000
5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140
Miami Beach, FL, 33140
Listed by United Realty Group Inc.
5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140
Listed by United Realty Group Inc.
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
- $28,512/mo
- Property tax (after sale) est.
- $6,668/mo
- Homeowners insurance est.
- $1,865/mo
- HOA
- $8,669/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140
Estimated cash to close est.
$1,183,289.50
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): $4,396,000.00
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.
$1,183,289.50
- Down payment est.
- $1,099,000.00
- Mortgage note documentary stamps est.
- $15,386.00
- Mortgage intangible tax est.
- $8,792.00
- 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.
- $16,189.00
- 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.
- $13,336.33
- Insurance escrow (2 months) est.
- $3,730.17
- First-year insurance premium est.
- $22,381.00
- 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)
- Zone AEFlood insurance required
- Homeowners insurance est.
- $1,865 / month
Flood insurance is required with a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender). The monthly insurance estimate above does not include flood insurance — see "Show details" for the flood rules and the official FEMA map.
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 2026
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: AE
High-risk mapped flood area (1% annual chance of flooding).
Source: FEMA National Flood Hazard Layer · Date checked: Oct 22, 2026
- Roof type
- Not provided —
- Roof year
- Not provided —
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Blinds
- Year built
- 1995
Homeowners insurance: $1,865 / month est.
- Annual premium est.
- $22,076
- Fees & taxes est.
- $305
- Annual total est.
- $22,381
- Likely range est.
- $19,024–$26,857
- Dwelling coverage est.
- $2,044,049
- Other structures est.
- $40,881
- Personal property est.
- $408,810
- Loss of use est.
- $204,405
- Hurricane deductible (2%) est.
- $40,881
The estimated rebuild cost is above the Citizens Property Insurance coverage cap for this county, so this home would need a private carrier.
Based on the listing: 5,517 sq ft · built 1995 · 24 stories · impact windows / shutters · luxury finish level.
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 · 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.
Special Flood Hazard Area. With a federally backed mortgage (FHA, VA, USDA, or a conventional loan from a federally regulated lender), flood insurance is required.
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 homesPRICE IMPROVEMENT!Welcome to an extraordinary waterfront residence offering nearly 6,000 SF of interior living space plus expansive wraparound terraces with breathtaking panoramic views of the Atlantic Ocean, Intracoastal Waterway, and Miami skyline. This one-of-a-kind 4-bedroom, 5-bathroom home is surrounded by spectacular water views from virtually every room, filling the residence with natural light and creating an exceptional indoor-outdoor living experienceA private elevator entry opens to grand living and dining areas designed for both comfortable everyday living and effortless entertaining. The spacious updated kitchen features new appliances, beautiful countertops, abundant cabinetry, and a generous breakfast area, combining style and functionality.The expansive primary suite offers stunning sunrise views, a spacious bath, and oversized closets, while each additional bedroom provides privacy and comfort with its own en-suite bathroom. Rarely available and impressively scaled, this residence offers the feel of a private waterfront estate in the sky, perfect for those seeking space, elegance, and the ultimate Miami Beach lifestyle.Enjoy resort-style amenities, direct beach access, and an unbeatable oceanfront location just minutes from Bal Harbour, South Beach, fine dining, shopping, and entertainment. Perfectly positioned along one of Miami Beach’s most prestigious stretches of coastline, this extraordinary triple-combination residence represents a rare opportunity to own one of the largest and most impressive homes in a boutique oceanfront setting. Offering nearly 6,000 square feet of interior living space complemented, wraparound terraces, the residence delivers a level of scale, privacy, and sophistication seldom available in today’s market.From the moment the private elevator opens directly into the residence, the experience is one of elegance, openness, and effortless luxury. Expansive living spaces are framed by walls of glass that capture uninterrupted views of the Atlantic Ocean, the Intracoastal Waterway, and the sparkling Miami skyline, creating a breathtaking backdrop that changes beautifully from sunrise to sunset.Designed for both grand entertaining and comfortable everyday living, the residence flows seamlessly from formal gathering spaces to intimate family areas, with every room benefiting from abundant natural light and spectacular water views. The generous proportions throughout create an atmosphere more reminiscent of a private waterfront estate than a condominium residence.Every principal room enjoys direct access to the expansive wraparound terraces, inviting effortless indoor-outdoor living and providing countless opportunities to entertain, dine alfresco, or simply relax while listening to the sound of the ocean. Whether hosting elegant receptions, family celebrations, or quiet evenings overlooking the water, the terraces become a natural extension of the home’s extraordinary living spaces.The thoughtfully designed floor plan features four spacious bedrooms and five full bathrooms, offering privacy and comfort for family members and guests alike. Multiple living areas provide flexibility for formal entertaining, media space, library, office, or additional family gathering areas while maintaining an exceptional sense of openness throughout the residence.The beautifully updated kitchen serves as the heart of the home, featuring new appliances, beautiful countertops, abundant cabinetry, generous preparation areas, and a spacious breakfast area overlooking the water. Designed with both functionality and style in mind, it effortlessly accommodates everything from casual mornings to elegant dinner parties.The primary suite is a peaceful private retreat where floor-to-ceiling windows frame endless ocean vistas and natural light fills the space throughout the day. Oversized closets and a spacious bathroom create a luxurious sanctuary that perfectly complements the scale and elegance of the residence.Every additional bedroom offers en-suite privacy, generous proportions, and exceptional natural light, creating comfortable accommodations for family and guests while maintaining the refined character found throughout the home.One of the residence’s defining characteristics is its remarkable sense of openness. Nearly every room enjoys panoramic water views, allowing the surrounding landscape of ocean, sky, and city lights to become an integral part of everyday living. The changing colors of the water, spectacular sunrises over the Atlantic, and the evening reflections of the Miami skyline create an ever-changing work of art visible from throughout the residence.Located within Capobella, one of Millionaire’s Row’s most exclusive boutique oceanfront condominiums, residents enjoy an intimate residential experience distinguished by exceptional management, attentive service, and an atmosphere of privacy rarely found in larger developments.Residents are welcomed by a full-service lobby with 24-hour concierge and doorman services, valet parking, and professional staff dedicated to providing a seamless ownership experience. Resort-style amenities include an oceanfront swimming pool, spa and jacuzzi, fitness center, tennis courts, beautifully landscaped grounds, direct beach access, and beach service that allows owners to fully embrace the South Florida lifestyle.Unlike many larger condominium communities, Capobella offers a boutique environment where privacy, exclusivity, and personalized service define everyday living. The building’s elegant architecture and impeccably maintained common areas reflect a commitment to quality and long-term value appreciated by discerning owners.Situated on iconic Millionaire’s Row, the residence enjoys one of Miami Beach’s most desirable addresses. Perfectly positioned between the energy of the city and the tranquility of the ocean, the location provides convenient access to world-class dining, renowned cultural institutions, championship golf courses, marinas, luxury boutiques, private clubs, and international airports while preserving the peaceful character of true oceanfront living.For buyers seeking extraordinary square footage without sacrificing breathtaking views or boutique exclusivity, opportunities of this caliber are exceptionally rare. The combination of direct elevator access, expansive wraparound terraces, remarkable proportions, panoramic ocean vistas, and refined oceanfront living creates a residence unlike any other currently available.More than simply a home, this is a statement property-a place designed for those who appreciate exceptional architecture, grand entertaining, uncompromising comfort, and the timeless beauty of life on the water.A truly exceptional residence where scale, elegance, privacy, and panoramic oceanfront living come together to create one of Miami Beach’s most distinguished homes.
Why we flagged this one
A transparent review of current MLS facts—not a paid placement.
Price reduced 15%
The seller has come down from $6,495,000 to $5,495,000 — a $1,000,000 reduction since it came on the market.
127 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
- CAPOBELLA CONDO· MLS
- Year built
- 1995· MLS
- Stories
- 24· 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
- $8,669 / 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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5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140 · Miami Beach
Location
5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140
What buyers ask about this home
What are the estimated monthly carrying costs at 5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140?+
Property tax (after sale): $6,668/month est.; homeowners insurance: $1,865/month est.; HOA: $8,669/month. Fixed ownership costs before a mortgage: $17,202/month est. Principal and interest: $28,512/month; PMI: $0/month. Total for the payment scenario shown: $45,715/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 5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140?+
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 5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140 need flood insurance, and what drives the premium?+
Most of Miami Beach 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 5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140?+
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 5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Miami Beach 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 5025 Collins Avenue 1103-1104-1105, Miami Beach, FL 33140?+
This listing has been on the market 127 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
Miami Beach. Beachside neighborhoods with local dining, Lincoln Road shopping and connections across the causeways to Miami.
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
North Beach Elementary School
Elementary · 1.1 mi from this home · 4100 Prairie Ave, Miami Beach
Miami Beach Nautilus Middle School
Middle school · 1.2 mi from this home · 4301 N Michigan Ave, Miami Beach
Miami Beach Senior High School
High school · 2.1 mi from this home · 2231 Prairie Ave, Miami Beach
Zone boundaries published by Miami-Dade County Public Schools.
Other options for this address
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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