15560 SW 104th TER

Miami, FL 33196

$309,999

$317/ft²

2Beds

2Baths

979Sq ft

1989Year built

CondoType

About this home

LOOKING FOR PEACE OF MIND FROM THE CONSTANT MAINTENANCE INCREASES ACROSS SOUTH FLORIDA? This is the LOWEST HOA IN THE AREA — $380.15/month TOTAL, hasn't increased since 2008! Rare find at Biscayne Beach Club: a bright 2-bed/2-bath CORNER UNIT on the GROUND FLOOR in a 2-STORY building, no strict high-rise inspections, no special assessments, EVER. Maintenance includes water/sewer, exterior, landscaping, roof, and trash — an incredible value most South Florida condos can't touch. Updated with GRANITE COUNTERS, updated kitchen, full-size washer/dryer, and all-tile floors throughout. Spacious owner's suite plus a comfortable guest bedroom, tons of natural light, and a screened porch. ROOF REPLACED 2022, community repainted every 5 years, NEW GATE SYSTEM upgrade coming soon. Community is ALL AGES, pet-friendly, with NO RENTAL RESTRICTIONS! A strong hold for investors or a low-cost path to ownership for a primary buyer. Ample parking (no assigned spots needed) right in the heart of the Hammocks, close to shopping and dining. CASH ONLY. Don't miss this one, Opportunities like this don't last!

Property details

Listing

MLS #: A12049604
Status: For sale
Listed on: Jul 7, 2026
Days on market: 34 days
Listing data updated: Aug 5, 2026

Interior

Beds: 2
Baths: 2
Living area: 979 ft²
Price per ft²: $317/ft²
Unit: 611

Building & community

Type: Condo
Year built: 1989
HOA fee: $380/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): $1,568
Property taxes (est.): $284
Home insurance (est.): $317
Flood insurance (est.): —
HOA fee: $380

Estimated total$2,549*/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?