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10190 E Bay Harbor Dr APT 10, Bay Harbor Islands, FL, 33154

3beds
4baths
2,375sqft
$2,650,000
$1,116price/sqft
$15,567/moest. monthly cost
$622,680/yrincome needed

About This Home

Rare corner residence at Bay Harbor Villas offering privacy, space, and modern design. This 3-bedroom, 3.5-bath home spans over 2,700 sq. ft. of thoughtfully designed interiors with high ceilings, floor-to-ceiling windows, and abundant natural light. Enjoy a private rooftop terrace, summer kitchen, and plunge pool, perfect for entertaining or relaxing outdoors. The home also includes an elevator, 2-car garage, and sleek finishes throughout. Nestled in the heart of Bay Harbor Islands, residents are moments from top schools, world-class shopping, dining, and the beaches of Bal Harbour and Surfside. Completion estimated 2028 with a flexible deposit structure.

Getting Around

57
WalkingSomewhat Walkable
0
TransitVery Limited Transit
72
BikeVery Bikeable

Schools

4/10
5/10
Nautilus Middle SchoolGrades 6-85.4 mi

Construction

Condition

  • Property condition: New Construction
  • New construction: Yes
  • Year built: 2026

Materials

  • Construction materials: Concrete Block Construction

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Elevator,Shabbat Elevator,Walk-In Closet(s),Wet Bar
  • Door features: High Impact Doors
  • Window features: Hurricane Shutters
  • Flooring: Wood
  • Common walls with other units/homes: Corner Unit

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,361
  • Total interior livable area: 2,375 sqft

Property

Details

  • Parcel number: 1322270011200
  • Attached to another structure: Yes

Features

  • Entry location: First Floor Entry
  • Patio & porch: Deck,Patio
  • Exterior features: Other,Courtyard
  • Fencing: Fenced
  • Has view: Yes
  • View description: Skyline

Parking

  • Total spaces: 2
  • Parking features: 2 Or More Spaces,Covered,Guest,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Coastal Flooding
    Coastal FloodingRelatively High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Coastal Flooding
Hurricane
Heat Wave
Lightning
Tsunami

FEMA Declared Disasters in Miami-Dade County and Florida

Flood
Hurricane
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $13,399$160,788
Home Insurance *$141$1,692
Property Taxes $1,788$21,456
Electricity $239$2,868
Total$15,567$186,804
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$533,725/yr
40% on housing$467,010/yr
45% on housing$415,120/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,116This listing

vs Other Active Listings

Avg $/sqft

ZIP 33154$1,392
Miami-Dade County$639

vs Homes Sold Last Month

Median $/sqft

ZIP 33154$935
Miami-Dade County$404

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-24Listed for sale$2,650,000

New Construction

AgentAlice Troyanovsky
BrokerageDouglas Elliman

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