860 NE 78th St

Miami, FL 33138

$249,999

$384/ft²

1Beds

1.5Baths

651Sq ft

1973Year built

CondoType

About this home

Welcome to your own slice of paradise! Bay Vista Towers is located in an upcoming and metropolitan area, right across the bridge from North Miami Beach. The condo unit has been FULLY renovated from the concrete floor up! Enjoy brand new appliances, kitchen cabinets, a beautiful granite counter top, a spacious kitchen pantry, a trending stainless steel sink and faucet, brand new range, refrigerator, and dishwasher plus bright new kitchen lighting. The bathrooms have all new vanities, light fixtures, toilets and faucets. The dining room has a modern lighted ceiling fan. The entire unit has new paint and the ceiling was completely refinished to remove the old popcorn texture. There is brand new flooring throughout (closets and all!). New hurricane impact window and sliding glass door to the balcony! Just bring your belongings and furniture! The building is waterfront, has a private pool and a dock for loading and unloading. The building was re-roofed in the past few years and the exterior has been painted. It has had both the 40 & 50 year inspections. There are no outstanding assessments. Enjoy the convenience of an in building laundry room right downstairs; not to mention your own assigned parking space under cover. The building security includes being gated and the a new keyed elevator, so you have the a high level of peace of mind.

Features

Waterfront

Property details

Listing

MLS #: A12042206
Status: For sale
Listed on: Jul 1, 2026
Days on market: 39 days
Listing data updated: Aug 4, 2026

Interior

Beds: 1
Baths: 1.5
Living area: 651 ft²
Price per ft²: $384/ft²
Unit: 303

Building & community

Type: Condo
Year built: 1973
HOA fee: $365/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): $1,264
Property taxes (est.): $229
Home insurance (est.): $233
Flood insurance (est.): —
HOA fee: $365

Estimated total$2,091*/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?