1135 103rd St

Bay Harbor Islands, FL 33154

$6,300,000

$1,573/ft²

3Beds

4.5Baths

4,004Sq ft

2024Year built

CondoType

About this home

ONE-OF-A-KIND PENTHOUSE OFFERING BREATHTAKING DIRECT WATERFRONT VIEWS FROM THE NORTH TIP OF BAY HARBOR ISLANDS! Stunning turnkey residence featuring 3 bedrooms + 4.5 bathrooms, an office, + a media room spanning 4,004 SF of interior living space + spacious terraces. Floor-to-ceiling windows showcase breathtaking views of the water and the city. The modern design features high-end finishes and vein-cut light brown travertine flooring throughout. Fully appointed Snaidero kitchen equipped with top-of-the-line Miele appliances, a wine cooler + a pantry. Primary suite with waterfront terrace & spa-inspired primary bathroom with double vanity and white Carrara marble finishes. 2 parking spaces + 1 large private storage. Enjoy resort-style amenities, including a private marina, infinity-edge pool, state-of-the-art fitness center, sauna, and spa. Ideally located in the desirable Bay Harbor Islands community, you'll have easy access to The Shops at Bal Harbour, exceptional dining, and beautiful beaches

Features

Waterfront

Property details

Listing

MLS #: A12068340
Status: For sale
Listed on: Aug 10, 2026
Days on market: 17 days
Listing data updated: Aug 10, 2026

Interior

Beds: 3
Baths: 4.5
Living area: 4,004 ft²
Price per ft²: $1,573/ft²
Unit: PH2

Building & community

Type: Condo
Year built: 2024
HOA fee: $9,920/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.

What's nearby

Elementary school: RUTH K. BROAD BAY HARBOR K-8 CENTER · 0.6 mi away
Middle school: RUTH K. BROAD BAY HARBOR K-8 CENTER · 0.6 mi away
High school: MAST@FIU · 1.1 mi away
Transit: 96 ST & BAY HARBOR TE · 0.5 mi away
Supermarket: The Grove Kosher Market · 0.8 mi away
Park: North Passive Park · 0.2 mi away
Pharmacy: CVS Pharmacy · 0.7 mi away

Straight-line distances · Sources: NCES/FL DOE, GTFS Miami-Dade and Broward, OpenStreetMap

True monthly cost

FEMA zone AE · high-risk flood zone

Mortgage (principal & interest): $31,856
Property taxes (est.): $5,775
Home insurance (est.): $4,725
Flood insurance (est.): $1,708
HOA fee: $9,920

Estimated total$53,984/mo

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?