1135 103rd St

Bay Harbor Islands, FL 33154

$2,450,000

$1,050/ft²

3Beds

3.5Baths

2,333Sq ft

2024Year built

CondoType

About this home

Unit 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.

Features

Waterfront

Property details

Listing

MLS #: A11997959
Status: For sale
Listed on: Apr 10, 2026
Days on market: 122 days
Listing data updated: May 4, 2026

Interior

Beds: 3
Baths: 3.5
Living area: 2,333 ft²
Price per ft²: $1,050/ft²
Unit: 203

Building & community

Type: Condo
Year built: 2024
HOA fee: $5,765/mo
County: Miami-Dade

Lot & exterior

Waterfront: Yes

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest): $12,389
Property taxes (est.): $2,246
Home insurance (est.): $600
Flood insurance (est.): —
HOA fee: $5,765

Estimated total$21,000*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?

Building structural health (SIRS)

No filing record found

We couldn't find a SIRS filing record for this building in Florida's public DBPR database. That is not a red flag by itself: buildings under three stories are exempt, recent or mailed-in filings may not appear yet, and the name or address on file may differ from this listing.

Questions about this

What is a SIRS and why does it matter?

Since the Surfside collapse, Florida requires condo and co-op buildings three stories or taller to complete a Structural Integrity Reserve Study: an inspection-based plan that forces the association to fund structural repairs (roof, load-bearing walls, plumbing, electrical) instead of deferring them. It matters because underfunded buildings are the ones that surprise owners with large special assessments.

Has this building filed its SIRS?

We didn't find a filing record for this building in the DBPR's public database. Absence of a record does not mean the building is out of compliance — it may be exempt (under three stories), the filing may be recent or on paper, or the recorded name/address may differ. It IS the right question to ask before offering.

What is a special assessment?

A one-off charge the association levies on every owner when reserves don't cover a needed repair — in older coastal buildings they have ranged from a few thousand to over $100,000 per unit. The SIRS exists precisely to make these predictable and funded in advance. Always review the building's budget, reserves and meeting minutes before buying.

What should I check before buying in this building?

Florida law gives buyers the right to review the association's SIRS, milestone inspection reports, budget and reserves — the full study is available from the association by written request. Nilyan requests and walks through these documents with her buyers as part of the offer process.

Source: Florida DBPR public SIRS reporting database. Filing status is self-reported by the association; this is not an audit, inspection or safety certification, and absence of a record does not mean non-compliance. Data as of July 30, 2026.

Want the full structural picture of this building before you offer?