Luxury condo — 9999 Collins Avenue 9J · Bal Harbour Tower Condo · Bal Harbour
South Florida Luxury Living
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Open property magazine$5,250,000
9999 Collins Avenue 9J, Bal Harbour, FL 33154
Bal Harbour, FL, 33154
Listed by RE/MAX Allstars
9999 Collins Avenue 9J, Bal Harbour, FL 33154
Listed by RE/MAX Allstars
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
- $27,241/mo
- Property tax (after sale) est.
- $5,982/mo
- Insurance included in HOA
- $0/mo
- HOA
- $6,839/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
9999 Collins Avenue 9J, Bal Harbour, FL 33154
Estimated cash to close est.
$1,105,176.67
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): $4,200,000.00
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.
$1,105,176.67
- Down payment est.
- $1,050,000.00
- Mortgage note documentary stamps est.
- $14,700.00
- Mortgage intangible tax est.
- $8,400.00
- 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.
- $15,638.00
- 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.
- $11,963.67
- Insurance escrow (2 months) est.
- $0.00
- First-year insurance premium est.
- $0.00
- 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 X 0.2 Percent Annual Chance Flood HazardNot federally required
- Homeowners insurance est.
- $0 / month
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: X
Moderate mapped flood risk; flooding is still possible.
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
- 1990
Homeowners insurance: $0 / month est.
Association insurance is included in the stated HOA fee. Confirm separate unit-owner coverage with an insurance agent.
Zone X. Flood insurance is not federally required, but it is strongly recommended and usually available at lower rates.
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 homesExperience premier oceanfront living in this beautifully updated 3-bedroom, 4.5-bath residence, where a private elevator opens directly into an elegant and sophisticated home. Expansive wraparound terraces provide the perfect setting to enjoy the ocean & city views during the day and captivating sunsets in the evening. Thoughtfully designed with great functionality, the residence features custom built-ins, elegant natural stone floors, stunning millwork, and automated shades.The open-concept kitchen is appointed with granite countertops, Miele & Subzero appliances, and a breakfast alcove with ocean views. The laundry room is conveniently located just off the kitchen for added practicality. The sumptuous primary suite is a private retreat featuring separate his-and-hers bathrooms, two walk-in closets with custom built-ins, and beautifully appointed finishes. The third room offers flexible use as an en-suite bedroom or den. Apartment also features a dedicated office complete with built-in file drawers. Condo comes with a highly desirable, updated furnished cabana with direct access to the oceanfront walking/ biking path & the beach. Included in the price. Residents enjoy the services and amenities of a premier oceanfront building, including a private restaurant, security, spa, fitness, tennis, pickleball, beach and pool service. Building is currently undergoing concrete renovations with estimated completion mid 2027. Furniture available separately. Condo maintenance fee: $6,498.47/mo. & includes an annual restaurant min. of $5,200 toward food & beverage; tax & gratuity charged separately. Cabana #16 maintenance fee: $340.41/mo. 2 assigned tandem spaces #147 &148. Valet parking only/not deeded. 1 storage. Property sold AS-IS. Rentals min 2-yrs. Pending concrete restoration, est. complete mid 2027. Scope of work per 2022 SA. The Board of Directors is currently evaluating capital improvement projects, including the replacement of the tower roof, as well as renovations to the Association’s interior & common areas, which may result in special assessments in the future. Roof project is already in motion. Chandelier & scones are excluded. TV's included. Cabana furnished.
Building health
- Building
- BAL HARBOUR TOWER CONDO· MLS
- Year built
- 1990· MLS
- Stories
- 26· 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
- $6,839 / 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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9999 Collins Avenue 9J, Bal Harbour, FL 33154 · Bal Harbour
Location
9999 Collins Avenue 9J, Bal Harbour, FL 33154
What buyers ask about this home
What are the estimated monthly carrying costs at 9999 Collins Avenue 9J, Bal Harbour, FL 33154?+
Property tax (after sale): $5,982/month est.; homeowners insurance: $0/month est.; HOA: $6,839/month. Fixed ownership costs before a mortgage: $12,821/month est. Principal and interest: $27,241/month; PMI: $0/month. Total for the payment scenario shown: $40,062/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 9999 Collins Avenue 9J, Bal Harbour, 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 9999 Collins Avenue 9J, Bal Harbour, FL 33154 need flood insurance, and what drives the premium?+
Most of Bal Harbour 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 9999 Collins Avenue 9J, Bal Harbour, 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 9999 Collins Avenue 9J, Bal Harbour, FL 33154 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Bal Harbour 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 9999 Collins Avenue 9J, Bal Harbour, FL 33154?+
This listing has been on the market 31 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 Bal Harbour, 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 · 0.8 mi from this home · 1155 93Rd St, Bay Harbor Islands
Nautilus Middle
Middle school
North Miami Beach Senior High
High school · 4.2 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
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.
Simon Gedz
Realtor® since 1995
Interested in this property?
$5,250,000 · MLS A12092017
$5,250,000
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