1160 103rd St

Bay Harbor Islands, FL 33154

$435,000

$403/ft²

2Beds

2Baths

1,079Sq ft

1957Year built

CondoType

About this home

VERY EASY TO SHOW and MOTIVATED SELLER! Charming 2-bedroom 2 bath Condo located in the highly desirable neighborhood of Bay Harbor Islands. This petit 16-unit building features a Well-manicured landscape and pathway leading to the unit which is located on the first floor. You have an open front porch for outdoor relaxation. Upon entrance, you have a formal living room and dining room area overlooking the balcony and courtyard which offers tons of natural lighting. This home features hardwood flooring throughout the main space. Beautifully renovated kitchen with quartz countertops, white cabinets and stainless-steel appliances. Washer/dryer in the unit. Newer AC and water heater installed. Down the hallway is your bedroom and bath to your left. Primary bedroom and bath to the right. This Condo is uniquely designed for those ready to move in and make it their own. Central location! mins away from the beach, Bal Harbor shops, local restaurants and more. One of the best school zones! Look no further! Call for an exclusive showing! Can also be rented right away! Low maintenance and there is no special assessment.

Property details

Listing

MLS #: A12055190
Status: For sale
Listed on: Jul 16, 2026
Days on market: 25 days
Listing data updated: Aug 8, 2026

Interior

Beds: 2
Baths: 2
Living area: 1,079 ft²
Price per ft²: $403/ft²
Unit: 6

Building & community

Type: Condo
Year built: 1957
HOA fee: $700/mo
County: Miami-Dade

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): $2,200
Property taxes (est.): $399
Home insurance (est.): $317
Flood insurance (est.): —
HOA fee: $700

Estimated total$3,616*/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?