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101 20th St # 3909, Miami Beach FL 33139
About this home
Experience unparalleled luxury in this stunning 3-bedroom, 3-bathroom penthouse at The Setai, one of the most desirable addresses in Miami Beach. Featuring elegant all-wood floors throughout and top-of-the-line Gaggenau appliances, this residence blends sleek design with modern functionality. Floor-to-ceiling windows capture breathtaking direct ocean views, filling the interiors with natural light and highlighting the beauty of oceanfront living. Every detail has been thoughtfully curated to create a seamless balance of comfort, sophistication, and timeless elegance. At the iconic Setai, residents enjoy world-class amenities, including five-star concierge service, three oceanfront pools, a renowned spa, and award-winning dining—all in the vibrant heart of South Beach.
Features
- Lobby
- Built-in Features
- Closet Cabinetry
- Cooking Island
- Ocean View
- Direct Ocean
Location
Approximate — shows the building, not the unit. Open in maps (opens in a new tab)
Estimated loan & HOA
Loan payment and HOA only. Property tax and insurance are significant here and are not included.
- Principal & interest
- $80,900
- HOA
- $11,166 / mo
Illustration only — not a loan offer, quote, or commitment. Assumes a 30-year loan at 6.5% with 20% down (rates as of July 2026); your actual terms will differ.
Schedule a tour
Request a private or video tour with a local agent.
Run the numbers
We fill in the price and the building's HOA dues. That leaves rent, tax, insurance and maintenance — they depend on your exemptions, your insurer and the unit, so we don't guess them. Vacancy and the loan terms below start at common defaults; change them.
Enter rent, 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. 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.