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9725 Bay Harbor Ter APT 24, Bay Harbor Islands, FL, 33154

3beds
2baths
1,298sqft
$589,000
$454price/sqft
$4,153/moest. monthly cost
$166,120/yrincome needed

About This Home

Beautiful, Spacious & Bright 3 bedrooms, 2 bathroom corner unit on the 2nd floor, at the exclusive 2-story building Northern Star Condo in Bay Harbor Islands. This unit features: Nice Refinished Wood floors, high ceilings, washer/dryer inside the unit, plenty of closet space, hurricane shutters & more! The building has passed the 40-year certification. Minutes to Bal Harbour shops, Top restaurants, Best schools, Houses of worship, Beaches & Parks! Come Over!

Getting Around

78
WalkingVery Walkable
0
TransitVery Limited Transit
86
BikeVery Bikeable

Schools

4/10
5/10
Nautilus Middle SchoolGrades 6-85.1 mi

Construction

Condition

  • Year built: 1957

Materials

  • Construction materials: CBS Construction

Other

  • Builder model: 3/2, Corner, 2nd Fl

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Microwave

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Closet Cabinetry,Walk-In Closet(s)
  • Window features: Complete Accordian Shutters,Hurricane Shutters,Single Hung Metal
  • Flooring: Ceramic Tile,Wood

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 1,298
  • Total interior livable area: 1,298 sqft

Property

Details

  • Parcel number: 1322271060080
  • Attached to another structure: Yes

Features

  • Levels: One
  • Entry location: Second Floor Entry
  • Exterior features: Exterior Cat Walk,Balcony
  • Has view: Yes
  • View description: Garden

Lot

  • Features: East Of Us1

Parking

  • Parking features: 2 Or More Spaces,Assigned,Guest,No Rv/Boats,No Trucks/Trailers

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 $2,978$35,736
Home Insurance *$31$372
Property Taxes $947$11,364
Electricity $197$2,366
Total$4,153$49,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$142,388/yr
40% on housing$124,590/yr
45% on housing$110,746/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

$454This listing

vs Other Active Listings

Avg $/sqft

ZIP 33154$1,405
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
2026-01-22Listed for sale$599,000
2023-03-14Listing removed--
2023-03-09Price change$3,200
2023-01-27Price change$3,300
2022-11-01Price change$3,500
2022-10-05Price change$3,700
2022-09-26Listed for rent$3,800
2022-09-09Listing removed--
2022-09-09Price change$4,000
2022-09-05Listed for rent$4,300
2017-02-24Listing removed$368,000
2016-08-13Listed for sale$368,000
2016-04-15Listing removed$368,000
2016-01-12Listed for sale$368,000

For Sale by Agent

AgentCristy De Toro PA
BrokerageOne Stop Realty

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