1125 97th St, Bay Harbor Islands FL 33154 | Miami-Dade County | A12004209
- $4,810,000
- Condominium
- 4
- 4.5
- 2
- 3919 Sq Ft
- $4,810,000
Description
Introducing the Penthouse at Mila, an extraordinary full-floor 4bed/4.5 bath residence in the prestigious Bay Harbor Islands, designed by renowned architect Kobi Karp. This rare blend of privacy, modern elegance, and timeless design rises in one of South Florida’s most coveted enclaves. Your private elevator opens to this penthouse sanctuary with soaring ceilings, and walls of floor-to-ceiling glass creating a seamless connection between indoor sophistication and outdoor serenity. Framed by panoramic vistas of the bay, skyline, and lush island surroundings the multiple terraces invite effortless entertaining, sunset dining, and tranquil mornings above it all. The gourmet kitchen is a statement of style and function, featuring bespoke European cabinetry, sleek stone surfaces, integrated premium appliances, wine storage, and an oversized island designed for both intimate gatherings and grand entertaining. The primary suite is a private retreat is complete with a custom dressing room and spa-inspired bath evoking a five-star resort ambiance. Enjoy the rooftop amenities including a pool, wellness areas, and summer kitchen spaces designed for relaxation and elevated entertaining. Mila’s secure smart-access lobby, boutique scale, and protected low-rise surroundings provide a level of privacy rarely found in today’s condominium market. Just moments from Bal Harbour Shops, Surfside Beach, fine dining and more with easy access to Miami Beach, Design District, and Aventura.
Property Overview
This is a 4-bedroom, 4.5-bath condominium of about 3919 square feet at 1125 97th St, Bay Harbor Islands FL 33154 (Bay Harbor Islands 33154), listed at $4,810,000.
Monthly Costs, Stated Plainly
The exact monthly HOA is not stated on this listing, but across 3 units in this building it has ranged $2,625-$3,557 (median ~$3,034). Treat that as guidance and confirm the current assessment for this unit.
As an ESTIMATE ONLY — Florida reassesses at sale — at this price and a Miami-Dade rate near 2.0%: without homestead, about $96,200/yr (≈ $8,017/mo); with the homestead exemption on a primary residence, about $95,200/yr (≈ $7,933/mo). Confirm with the Miami-Dade Property Appraiser and a tax professional — these are estimates, not quotes.
Frequently Asked Questions
What is the list price, and what typically conveys with a home like this?
The list price for 1125 97th St is $4,810,000. Fixtures and built-in appliances generally convey with the property, including the private pool on record. The MLS does not state if the home is furnished, so you must confirm which specific items convey.
Shared community amenities include a bar, cabana, and pool. These are separate from the home's private assets. Contact Christopher Lazaro, Bay Harbor Islands Real Estate Advisor, to verify the final inventory.
Where exactly is it, and what should I know about the location?
This property is located at 1125 97th St, Bay Harbor Islands FL 33154, situated within the coastal corridor of the Bay Harbor Islands 33154 area. The home features 4 bedrooms and 4.5 bathrooms across approximately 3919 sqft and is listed at $4,810,000.
Contact Christopher Lazaro, Bay Harbor Islands Real Estate Advisor, to verify specific location details.
What are the HOA / association fees, and what do they cover?
The specific monthly HOA fee for 1125 97th St is not stated on the listing. Fees for three other units in the building range from $2,625 to $3,557, with a median of ~$3,034. Use these figures as guidance and confirm the current assessment for this unit.
The record shows the monthly fee covers All Amenities. This community is subject to city ordinances found at https://library.municode.com/fl/bay_harbor_islands/codes/code_of_ordinances . Contact Christopher Lazaro, Bay Harbor Islands Real Estate Advisor, to verify these details.
What are the property taxes and homestead implications?
As an ESTIMATE ONLY — Florida reassesses at sale — at this price and a Miami-Dade rate near 2.0%: without homestead, about $96,200/yr (≈ $8,017/mo); with the homestead exemption on a primary residence, about $95,200/yr (≈ $7,933/mo). Florida's homestead exemption lowers taxable value only for a primary residence.
Confirm with the Miami-Dade Property Appraiser and a tax professional — these are estimates, not quotes. Contact Christopher Lazaro, Bay Harbor Islands Real Estate Advisor, to verify.
Is the home in a flood zone, and what does that mean?
Flood zones identify areas at different risk levels for flooding, as defined in the FEMA glossary. Lenders often require flood insurance for properties located in high-risk zones. View the FEMA flood map for this address to see the specific designation for 1125 97th St.
Contact Christopher Lazaro, Bay Harbor Islands Real Estate Advisor, to verify these details.
Are pets allowed?
Pets are allowed, with restrictions (or possible restrictions) according to the MLS record. We will pull the association's exact current pet rules for this unit on request. Separate federal accommodation rules can apply if a documented service animal or ESA is involved.
Contact Christopher Lazaro, Bay Harbor Islands Real Estate Advisor, to verify these details.
How is the price set and is there room to negotiate?
The list price of $4,810,000 reflects current market positioning. Miami-Dade condos have recently been closing at 94% of list, about 64 days on market (MIAMI REALTORS®, May 2026).
Specific values for this building and vicinity are derived from a CMA. Contact Christopher Lazaro, Bay Harbor Islands Real Estate Advisor, for a Bay Harbor Islands-specific CMA to verify these figures before setting an offer.
What financing step do you recommend before touring?
Secure a pre-approval before touring 1125 97th St to ensure your budget aligns with the $4,810,000 list price. You should connect with a Florida-licensed mortgage originator to establish your buying power.
Contact Christopher Lazaro, Bay Harbor Islands Real Estate Advisor, to verify these details.
Monthly Fees & Carrying Costs
- Membership Required: No
Have a question about this Bay Harbor Islands listing?
Talk directly with Christopher Lazaro, your Bay Harbor Islands real estate advisor. No pressure — real answers.
Address
Open on Google Maps-
Address: 97th St
-
City: Bay Harbor Islands
-
State/county: Miami-Dade County
-
Zip/Postal Code: 33154
-
Area: BAY HARBOR ISLAND
Details
Updated on August 20, 2026 at 4:47 am-
Property ID A12004209
-
Price $4,810,000
-
Property Size 3919 Sq Ft
-
Bedrooms 4
-
Room 0
-
Bathrooms 4.5
-
Garages 2
-
Year Built 2027
-
Type Condominium
-
Property Status Active, Residential
Additional details
-
Bedroom Features Entry Level, Primary Bath Shower, Primary Bath Tub
-
Cooling Central Air
-
Association Type Condo
-
Building MILA BAY HARBOR
-
Association Fee Frequency Monthly
-
Area Bay Harbor Island
-
Annual Tax 0
-
Association Yes
-
Elementary School Ruth K. Broad Bay Harbor K-8
-
Private Pool Yes
-
Listing Terms All Cash, Conventional
-
Waterfront No
-
Full Bathrooms 4
-
Subdivision BAY HARBOR ISLAND
-
Total Stories 7
-
Restrictions Ok To Lease, Okay To Lease 1st Year
-
Maintenance Includes All Amenities
-
Amenities Bar, Cabana, Pool, Private Pool
-
Parking 2 Or More Spaces
-
Heating Central
-
Structure Type Condo 5+ Stories, Condo
-
Tax Year 2026
-
Construction CBS Construction
-
Building Area 5048
-
Covered Spaces 2
-
Middle School Nautilus
-
Unit Floor 601
-
View Garden View, Other View
-
Year Built Details Under Construction
-
High School Miami Beach
-
Pets Allowed Yes
-
Attached Yes
-
Unit Number PH601
-
Half Bathrooms 1
-
Flood Zone AE
-
New Construction No
-
Garage Spaces 2
-
Style Condo 5+ Stories
-
Association Fee 0
-
Lot Size (Sq Ft) 0
-
Membership Purchase Required No
Mortgage Calculator
-
Down Payment
-
Loan Amount
-
Monthly Mortgage Payment
-
Property Tax
-
Home Insurance
-
PMI
-
Monthly HOA Fees
