, BAY HARBOR ISLANDS, FL, 33154
Active20 days on marketListed Jul 16, 2026MLS #A12052882
About this home
Nestled in the highly desirable and exclusive community of Bay Harbor Islands, this stunning 3,228-square-foot custom-built smart home perfectly blends modern luxury with effortless coastal living. Built in 2017 and beautifully remodeled, the light-filled 4 bedrooms plus family/office/play room , six-bathroom residence welcomes you with soaring 14-foot coffered ceilings, pristine marble flooring, and a bright, open floor plan. Culinary enthusiasts will love the premium kosher kitchen equipped with a gas stove and central cooking island, while every bedroom serves as a private retreat with its own en-suite bath. Outside, the gated, south-facing backyard oasis awaits, featuring a covered patio, built-in BBQ area, and a sparkling pool and hot tub with smart-system controls—all just a short walk from top-rated A+ schools, local parks, pristine beaches, and the world-class Bal Harbour Shops.
Facts & features
The home at a glance
5
Bedrooms
6
Bathrooms
3,228
Sqft
2
Garage
2017
Year built
$8
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$348 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$348/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs BAY HARBOR ISLAND
$8 vs $1,352
Days on market
20 vs 85 typical
Where $8/sqft sits among the 29 homes for sale in BAY HARBOR ISLAND
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Bay Harbor Islands
Get to know Bay Harbor Islands. See the full Bay Harbor Islands guide →
BAY HARBOR ISLANDS 33154 — neighborhood snapshot
Population
14,435
Median age
40.9
Median income
$87,806
Median home value
$741,400
Avg household
2.58
Households w/ children
1,804
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bay Harbor Islands market
$1.5M → $910K
Bay Harbor Islands median sold, yr/yr
94.9%
Sale-to-list ratio (12 mo)
0 of 29
BAY HARBOR ISLAND have cut their price
This home is listed 93% below the BAY HARBOR ISLANDS 33154 median. See the full Bay Harbor Islands market guide →
Paper trail
This home's history
Reality check
What actually sold near
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$4,500,000
Nearby listing · same community
4 bd · 3 ba · 3,059 sqft · $1,471/sqft
Sold · Nov ’25$3,200,000
1231 96th street, Bay Harbor Islands FL 33154 · same community
4 bd · 3.5 ba · 3,458 sqft · $925/sqft · 113 DOM
Sold · May ’26$6,150,000
10121 E Broadview Dr, Bay Harbor Islands FL 33154 · same community
4 bd · 3 ba · 2,848 sqft · $2,159/sqft · 76 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
FAQs
What would the monthly payment be for ?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $348/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How does the price compare to other homes in Bay Harbor Islands?+
At $26,000, this home is listed about 98% below the Bay Harbor Islands median of $1,624,500. The market section on this page shows how the area is trending.
Which schools are assigned to ?+
Ruth K. Broad Bay Harbor K-8 Center (elementary), Miami Beach Nautilus Middle School (middle), Miami Beach Senior High School (high), District Instructional Center (Dic) (), Instructional Center System Wide (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of The Brokerage South Florida Real Estate, LLC. · Shneur Shapira. MLS #A12052882.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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