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1135 103rd St # 405, Bay Harbor Islands FL 33154
About this home
From the moment you step off your private elevator, you are greeted by turquoise waters and total serenity. This designer 2BR + den, 3BA at Onda spans 2,046 SF, tucked inside Bay Harbor Islands’ most exclusive boutique building of just 41 residences. Customized with exceptional attention to detail, a soothing warm palette carries through every finish. The enclosed den flexes as a 3rd bedroom, office, or media room. The open split floor plan, styled in contemporary design, is built for effortless entertaining and easy living. Snaidero kitchen with Miele appliances, Statuarietto marble baths, motorized shades throughout and an expansive 400 SF terrace made for bay view sunrises and sunsets. A true wellness retreat awaits: rooftop pool & spa, sauna, yoga studio, Technogym fitness center, private marina, EV charging, 2 garage spaces, 24-hr valet, 5-star concierge, whole-building water filtration. A 45' Boat Slip is also available for additional purchase. Just steps to 96th Street restaurants & shops, parks, places of worship and A-rated Ruth K Broad with Bal Harbour Shops, Surfside and the beach minutes away. Unit sold partially furnished.
Features
- Lobby
- First Floor Entry
- Built-in Features
- Closet Cabinetry
- Laundry Tub
- Pantry
- Split Bedroom
- Walk-In Closet(s)
- Open Balcony
- Bay
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
- $18,456
- HOA
- $5,451 / 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.