1135 103rd St

Bay Harbor Islands, FL 33154

$4,695,000

$1,411/ft²

4Beds

4.5Baths

3,328Sq ft

2024Year built

CondoType

About this home

Residence 304 at Onda is the only residence in the building featuring an extraordinary 3,001 SF private terrace. Part of an exclusive collection of just 41 bayfront homes in Bay Harbor Islands, Onda is designed by Arquitectonica and developed by Valerio Morabito and Ugo Colombo. This newly completed building sits at the edge of the island, offering a prime vantage point. The residence features a fully equipped Snaidero kitchen with top-of-the-line Miele appliances, Statuarietto marble bathrooms, private elevator access, and a service entrance. Floor-to-ceiling impact windows open to the expansive terrace, creating seamless indoor-outdoor living. The unit includes 2 assigned parking spaces and 1 private storage unit. Onda offers a full suite of amenities including a waterfront pool, Technogym fitness center, wellness spa, EV charging stations, and 24-hour valet. Ideally located just moments from Bal Harbour Shops, The Surf Club, and the beach, Residence 304 presents a truly unique opportunity within one of Bay Harbor Islands’ most coveted waterfront addresses.

Features

Waterfront

Property details

Listing

MLS #: A11998429
Status: For sale
Listed on: Apr 20, 2026
Days on market: 112 days
Listing data updated: Jun 17, 2026

Interior

Beds: 4
Baths: 4.5
Living area: 3,328 ft²
Price per ft²: $1,411/ft²
Unit: 304

Building & community

Type: Condo
Year built: 2024
HOA fee: $7,202/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): $23,740
Property taxes (est.): $4,304
Home insurance (est.): $600
Flood insurance (est.): —
HOA fee: $7,202

Estimated total$35,846*/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?