1135 103rd St

Bay Harbor Islands, FL 33154

$4,700,000

$1,335/ft²

4Beds

4.5Baths

3,521Sq ft

2024Year built

CondoType

About this home

One of a kind waterfront residence at Onda, the newest boutique luxury condominium located in the exclusive Bay Harbor Islands, Miami’s best-kept secret.A private elevator opens to 3,328 sq.ft of living areas meticulously curated to deliver sophistication and privacy featuring 4 bedrooms and 4 & ½ baths + Den and unobstructed views of the Bay.Interior features include: Natural stone flooring,custom walk-in closets in all bedrooms with enhanced lighting fixtures and motorized blackouts/shades,primary suite overlooking the bay and primary bathroom with soaking tub and separate glass-enclosed shower,Gourmet Snaidero kitchen with marble countertops and top-of-the-line Miele appliances,all doors customized with Valli & Valli handles ,Soss hinges and magnetic locks,fully-equipped laundry room with LG washer/dryer tower and more high end finishes throughout.Building amenities includes private marina,a rooftop pool deck and lounge area with Barbecue Grill, a state-of-the-art fitness center ,yoga studio, spa with massage treatment rooms, steam bath and sauna rooms, covered valet drop-off area, electric vehicle charging stations,residential storage space and a new water filter system has been recently installed in the building.This unit comes with 2 assigned parking spaces in tandem.With only 41 residences and just steps from Bal Harbour Shops & the beach Onda offers a boutique lifestyle with world-class amenities and first class service for the most discerning buyer.

Features

Waterfront

Property details

Listing

MLS #: A12005083
Status: For sale
Listed on: Apr 23, 2026
Days on market: 108 days
Listing data updated: Jun 26, 2026

Interior

Beds: 4
Baths: 4.5
Living area: 3,521 ft²
Price per ft²: $1,335/ft²
Unit: 504

Building & community

Type: Condo
Year built: 2024
HOA fee: $8,737/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): $23,766
Property taxes (est.): $4,308
Home insurance (est.): $600
Flood insurance (est.): —
HOA fee: $8,737

Estimated total$37,411*/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?