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Waterfront · Condominium
$3,995,000$1,299 / sqft
1135 103 St # 403, Bay Harbor Islands FL 33154
Listed
3
Bedrooms
4
Bathrooms
3,075 sqft
Interior
2024
Year built
$7,627 / mo
HOA
Condominium
Type
About this home
Onda stands as Bay Harbor Islands’ newest architectural landmark, completed in 2024. This 3-bedroom plus den, 3.5-bath residence spans 3,075 square feet of interior space, designed to frame its waterfront setting and offer a calm, elevated way of living. East- and west-facing balconies open to direct water views, so each day begins with sunrise over the bay and closes with sunset across the water. Floor-to-ceiling glass fills every room with natural light and blurs the line between indoors and out, creating an effortless backdrop for quiet evenings and gracious entertaining. The Snaidero kitchen brings Italian craftsmanship together with sleek custom cabinetry and a full suite of Miele appliances. Open living and dining spaces carry clean architectural lines and refined finishes throughout, while the den offers a versatile retreat for a home office, media room or guest quarters. Each bedroom is generously proportioned with its own spa-inspired en-suite bath, and a powder room serves guests. In the heart of Bay Harbor Islands, Onda offers a private, walkable island lifestyle moments from Bal Harbour Shops, pristine beaches, acclaimed dining and top schools. Here, tranquility and convenience coexist in rare balance. It is an exceptional opportunity to own a modern waterfront residence in one of Miami’s most coveted island enclaves. Boat slips are available for rent.
Features
- Built-in Features
- Cooking Island
- Elevator
- Entrance Foyer
- Other
- Pantry
- Walk-In Closet(s)
- Den/Library/Office
Run the numbers
We fill in the price and the building's HOA dues. That leaves tax, insurance and maintenance — they depend on your exemptions, your insurer and the unit, so we don't guess them. Rent starts from what comparable units are asking nearby. Vacancy and the loan terms below start at common defaults; change them.
Median asking rent for 3-bed rentals across Miami-Dade, from 200 active listings; the middle half ask $2,900–$12,000.That is what landlords ask, not what units let for — edit it if you know better.
Our default, not a market figure
From the listing
Depends on assessed value & exemptions
Varies widely by building
Repairs, turnover, management
Cap rate
Cash-on-cash
Monthly cash flow
Net operating income
Enter property tax, insurance, maintenance to see the returns. A cap rate calculated without every cost overstates the deal — often by half — so we don't show a partial one.
Illustration only — not a loan offer, quote, or investment advice. We are not a lender and neither offer nor arrange financing. The loan fields start at 20% down over 30 years at 6.5% (rates as of July 2026); that is a nominal rate for illustration, not an APR, and your actual terms will differ. Cap rate is unlevered; cash-on-cash counts the down payment as invested capital and excludes closing costs.
Listing data from the MIAMI Association of REALTORS® (MIAMIRE) IDX program. Information deemed reliable but not guaranteed. Demo data shown for layout purposes.