9102 W Bay Harbor Dr Unit 10C
Bay Harbor Islands, FL 33154 · condos · For Sale · 82 days on market
Asking price$485,000
1 beds 2 baths 1,150 sqft
Listed by Rafael Szydlowski · Coldwell Banker Realty
Typecondos
Built1970
Price / sqft$422
Est. value (own analysis)$568,357
Rent estimate (own analysis)$3,500/mo
HOA$1,714/mo
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Statusfor_sale
Listed date2026-06-12
Removed date—
MLSMiamiMLS #A12033666
Coordinates25.88137, -80.13032
Address9102 W Bay Harbor Dr Unit 10C
CityBay Harbor Islands
StateFL
Zip33154
Listing ID5484101383
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33154)
Typical home value (ZHVI)$1,230,561
Typical rent (ZORI)$4,738/mo
Zillow Research's ZHVI (home value index) and ZORI (rent index) for this ZIP, as of 2026-07 — free published data, refreshed monthly, no RentCast quota spent. "Typical value/rent" is a smoothed index, not a literal median of active listings.
Underwriting (buy-and-hold, default assumptions)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $485,000 |
| Down payment (20.0%) | $97,000 |
| Loan amount | $388,000 |
| Closing costs (5.0%) | $24,250 |
| Total cash to close | $121,250 |
| Income | |
| Rent (comp-derived) | $3,500$42,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,220$38,640 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $768$9,215 |
| Insurance (placeholder 0.8% of price) | $323$3,880 |
| HOA dues | $1,714$20,568 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $175$2,100 |
| Total operating expenses | $2,980$35,763 |
| Net operating income (NOI) | |
| Debt service & reserves | |
| Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing) | |
| CapEx reserve (5.0% of GSR) | $175$2,100 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Cap rate
Cash-on-cash
DSCR
Rent-to-price (1% rule)
Gross rent multiplier
Operating expense ratio
Break-even occupancy
Comparables
Same ZIP. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| apartment | 1 | 1 | 800 | $2,145 | 2025-01-09 | — | |
| apartment | 1 | 1 | 800 | $2,095 | 2026-08-22 | — | |
| apartment | 1 | 1 | 900 | $1,850 | 2023-07-15 | — | |
| condos | 1 | 1 | 978 | $2,500 | 2025-12-31 | — | |
| condos | 1 | 1 | 767 | $2,100 | 2026-06-09 | — | |
| condos | 1 | 2 | 895 | $2,300 | 2026-05-05 | — | |
| condos | 1 | 1 | 800 | $2,550 | 2026-08-05 | — | |
| condos | 1 | 1 | 905 | $2,750 | 2026-05-08 | — | |
| apartment | 1 | 1 | 826 | $2,200 | 2026-08-25 | — | |
| condos | 1 | 2 | 1,275 | $2,000 | 2026-06-17 | — | |
| condos | 1 | 2 | 962 | $3,000 | 2026-08-05 | — | |
| condos | 1 | 2 | 1,221 | $12,000 | 2026-08-27 | — | |
| condos | 1 | 2 | 896 | $6,000 | 2026-08-27 | — | |
| condos | 1 | 2 | 848 | $2,725 | 2026-01-12 | — | |
| condos | 1 | 1 | 849 | $2,500 | 2026-05-20 | — | |
| condos | 1 | 2 | 1,031 | $5,700 | 2026-03-10 | — | |
| condos | 1 | 2 | 896 | $3,500 | 2026-08-13 | — | |
| condos | 1 | 2 | 929 | $3,450 | 2026-05-19 | — | |
| condos | 1 | 2 | 975 | $3,400 | 2026-06-17 | — | |
| condos | 1 | 1 | 882 | $2,100 | 2026-02-10 | — | |
| condos | 1 | 2 | 962 | $2,750 | 2026-08-06 | — | |
| condos | 1 | 1 | 1,015 | $3,000 | 2026-06-25 | — | |
| condos | 1 | 2 | 830 | $2,500 | 2026-08-17 | — | |
| condos | 1 | 2 | 964 | $4,350 | 2026-08-13 | — | |
| condos | 1 | 1 | 950 | $2,650 | 2026-05-12 | — | |
| apartment | 1 | 1 | 752 | $1,895 | 2026-07-27 | — | |
| condos | 1 | 1 | 1,019 | $3,300 | 2026-07-15 | — | |
| apartment | 1 | 1 | 750 | $1,900 | 2026-06-23 | — | |
| condos | 1 | 1 | 1,015 | $3,500 | 2026-07-16 | — | |
| condos | 1 | 2 | 928 | $2,100 | 2026-05-31 | — | |
| condos | 1 | 1 | 860 | $2,600 | 2026-04-01 | — | |
| condos | 1 | 2 | 896 | $4,100 | 2026-08-11 | — | |
| condos | 1 | 2 | 962 | $2,900 | 2026-06-05 | — | |
| condos | 1 | 1 | 905 | $3,600 | 2026-03-30 | — | |
| condos | 1 | 2 | 1,164 | $4,700 | 2026-08-03 | — | |
| apartment | 1 | 1 | 800 | $2,200 | 2026-04-20 | — | |
| condos | 1 | 2 | 918 | $2,850 | 2026-06-08 | — | |
| condos | 1 | 2 | 1,267 | $13,950 | 2026-01-07 | — | |
| condos | 1 | 1 | 905 | $2,800 | 2026-08-11 | — | |
| condos | 1 | 2 | 896 | $4,000 | 2026-08-06 | — | |
| condos | 1 | 2 | 851 | $13,500 | 2026-04-08 | — | |
| apartment | 1 | 1 | 800 | $2,200 | 2026-05-26 | — | |
| condos | 1 | 2 | 840 | $2,400 | 2026-06-30 | — | |
| condos | 1 | 2 | 850 | $2,200 | 2026-06-03 | — | |
| condos | 1 | 2 | 896 | $4,100 | 2026-07-20 | — | |
| condos | 1 | 2 | 1,164 | $4,750 | 2026-07-21 | — | |
| condos | 1 | 1 | 1,019 | $3,500 | 2026-06-23 | — | |
| condos | 1 | 2 | 896 | $4,600 | 2026-07-14 | — | |
| apartment | 1 | 1 | 800 | $2,350 | 2026-05-26 | — | |
| condos | 1 | 2 | 824 | $3,200 | 2026-07-28 | — | |
| condos | 1 | 2 | 962 | $3,350 | 2026-08-17 | — | |
| condos | 1 | 1 | 950 | $3,000 | 2026-07-01 | — | |
| condos | 1 | 2 | 1,150 | $3,700 | 2026-03-11 | — | |
| condos | 1 | 2 | 750 | $2,500 | 2026-08-11 | — | |
| condos | 1 | 2 | 929 | $3,695 | 2025-11-05 | — | |
| condos | 1 | 2 | 929 | $3,600 | 2026-05-14 | — | |
| condos | 1 | 2 | 1,040 | $3,200 | 2026-05-12 | — | |
| condos | 1 | 1 | 905 | $6,000 | 2026-05-19 | — | |
| condos | 1 | 2 | 1,150 | $8,200 | 2026-06-04 | — | |
| condos | 1 | 2 | 851 | $11,500 | 2026-03-06 | — | |
| apartment | 1 | 2 | 993 | $4,000 | 2026-06-30 | — | |
| condos | 1 | 1 | 860 | $3,950 | 2026-04-06 | — | |
| condos | 1 | 2 | 927 | $5,500 | 2026-07-16 | — | |
| condos | 1 | 1 | 780 | $3,500 | 2026-03-31 | — | |
| condos | 1 | 1 | 800 | $3,075 | 2026-03-12 | — | |
| condos | 1 | 2 | 896 | $4,500 | 2026-04-02 | — | |
| condos | 1 | 2 | 1,150 | $3,000 | 2025-04-17 | — | |
| condos | 1 | 2 | 896 | $3,900 | 2026-04-27 | — | |
| condos | 1 | 2 | 896 | $6,800 | 2026-05-27 | — | |
| condos | 1 | 2 | 1,147 | $27,500 | 2025-01-23 | — | |
| condos | 1 | 2 | 1,513 | $26,000 | 2026-06-02 | — | |
| condos | 1 | 2 | 1,150 | $5,000 | 2026-07-20 | — | |
| condos | 1 | 2 | 964 | $7,900 | 2026-07-21 | — | |
| condos | 1 | 2 | 994 | $5,000 | 2026-05-11 | — | |
| condos | 1 | 2 | 896 | $5,000 | 2026-06-17 | — | |
| condos | 1 | 2 | 1,195 | $4,000 | 2026-07-15 | — | |
| condos | 1 | 2 | 896 | $4,400 | 2026-01-26 | — | |
| condos | 1 | 2 | 896 | $4,400 | 2026-05-20 | — | |
| condos | 1 | 2 | 896 | $5,700 | 2026-08-07 | — | |
| condos | 1 | 2 | 1,150 | $10,000 | 2026-06-01 | — | |
| condos | 1 | 2 | 1,147 | $27,500 | 2023-12-14 | — | |
| condos | 1 | 2 | 1,221 | $12,000 | — | — | |
| apartment | 1 | 2 | 993 | $4,200 | 2026-07-14 | — | |
| condos | 1 | 2 | 1,164 | $4,700 | — | — | |
| condos | 1 | 2 | 1,164 | $4,700 | — | — | |
| condos | 1 | 2 | 962 | $3,000 | — | — | |
| condos | 1 | 2 | 962 | $3,350 | — | — | |
| condos | 1 | 1 | 1,015 | $3,500 | — | — | |
| apartment | 1 | 1 | 860 | $3,900 | — | — | |
| condos | 1 | 1 | 1,019 | $3,300 | — | — | |
| condos | 1 | 2 | 980 | $5,750 | — | — | |
| condos | 1 | 2 | 896 | $3,900 | — | — | |
| condos | 1 | 3 | 980 | $5,750 | — | — | |
| condos | 1 | 2 | 964 | $7,900 | — | — | |
| condos | 1 | 2 | 830 | $3,600 | 2026-08-28 | — | |
| condos | 1 | 2 | 896 | $5,000 | 2026-07-21 | — | |
| condos | 1 | 2 | 900 | $2,500 | 2026-08-31 | — | |
| condos | 1 | 2 | 918 | $2,500 | 2026-09-01 | — |
Same ZIP & bedroom count. Closed sales from Realtor.com over the last 12 months, matched to this property's type — real transaction prices, not asking prices. Falls back to Miami-Dade County public records (property appraiser tax roll) when Realtor.com has no sales on file for the area.
| Address | Type | Beds | Baths | Living sqft | Sale price | Sale date |
|---|---|---|---|---|---|---|
| 9800 W Bay Harbor Dr Apt 602 | condos | 1 | 2 | 895 | $540,000 | 2026-08-27 |
| 1070 98th St Apt 14 | condos | 1 | 1 | 530 | $215,000 | 2026-08-25 |
| 10350 W Bay Harbor Dr Apt 4T | condos | 1 | 1 | 950 | $400,000 | 2026-08-24 |
| 10275 Collins Ave Apt 915 | condos | 1 | 2 | 896 | $800,000 | 2026-08-20 |
| 9700 E Bay Harbor Dr Apt 406 | condos | 1 | 2 | 919 | $255,000 | 2026-08-05 |
| 9500 W Bay Harbor Dr Apt 6B | condos | 1 | 2 | 975 | $495,000 | 2026-07-17 |
| 9225 Collins Ave Apt 1409 | condos | 1 | 2 | 918 | $400,000 | 2026-07-10 |
| 10275 Collins Ave Apt 724 | condos | 1 | 2 | 896 | $718,000 | 2026-06-25 |
| 10275 Collins Ave Apt 429 | condos | 1 | 2 | 896 | $610,000 | 2026-06-23 |
| 10275 Collins Ave Apt 529 | condos | 1 | 2 | 896 | $592,500 | 2026-06-22 |
| 10350 W Bay Harbor Dr Apt 10K | condos | 1 | 1 | 950 | $295,000 | 2026-06-17 |
| 9700 E Bay Harbor Dr Apt 505 | condos | 1 | 2 | 919 | $242,500 | 2026-06-01 |
| 1177 Kane Concourse Unit 702 | condos | 1 | 2 | 1,150 | $1,662,500 | 2026-05-18 |
| 1177 Kane Concourse Unit 802 | condos | 1 | 2 | 1,150 | $1,835,000 | 2026-05-18 |
| 8888 Collins Ave Apt 318 | condos | 1 | 2 | 810 | $375,000 | 2026-05-15 |
| 9140 Collins Ave Apt C | condos | 1 | 1 | 560 | $240,000 | 2026-04-29 |
| 10185 Collins Ave Apt 410 | condos | 1 | 1 | 1,019 | $270,000 | 2026-04-23 |
| 10185 Collins Ave Apt 1002 | condos | 1 | 1 | 1,019 | $405,000 | 2026-04-07 |
| 9195 Collins Ave Ph 14 | condos | 1 | 1 | 860 | $520,000 | 2026-04-01 |
| 9511 Collins Ave Apt 806 | condos | 1 | 2 | 929 | $560,000 | 2026-03-24 |
| 9102 W Bay Harbor Dr Unit 6B | condos | 1 | 2 | 1,150 | $470,000 | 2026-03-06 |
| 20 Park Dr Apt 7 | condos | 1 | 1 | 779 | $360,000 | 2026-02-27 |
| 9511 Collins Ave Apt 606 | condos | 1 | 2 | 929 | $480,000 | 2026-02-13 |
| 10203 Collins Ave Unit 903 | condos | 1 | 2 | 1,632 | $3,700,000 | 2026-02-10 |
| 9500 W Bay Harbor Dr Apt 6F | condos | 1 | 2 | 975 | $270,000 | 2026-02-09 |
| 10275 Collins Ave Apt 929 | condos | 1 | 2 | 896 | $680,000 | 2026-02-09 |
| 9381 E Bay Harbor Dr Apt 501S | condos | 1 | 2 | 1,040 | $350,000 | 2026-01-31 |
| 10295 Collins Ave Unit 312 | condos | 1 | 1 | 510 | $630,000 | 2026-01-21 |
| 20 Park Dr Apt 2 | condos | 1 | 1 | 779 | $385,000 | 2026-01-15 |
| 9195 Collins Ave Apt 404 | condos | 1 | 1 | 905 | $475,000 | 2025-12-12 |
| 10178 Collins Ave Apt 102 | condos | 1 | 1 | 800 | $303,500 | 2025-12-12 |
Same ZIP. Other properties currently for sale nearby — asking prices, not closed sale prices. Not a price comp; see Sold comps for actual transaction history.
| Address | Type | Beds | Baths | Sqft | Asking price | Days on market |
|---|---|---|---|---|---|---|
| 9195 Collins Ave Apt 1109 | condos | 1 | 1 | 905 | $999,000 | — |
| 10185 Collins Ave Apt 1223 | condos | 1 | 2 | 993 | $850,000 | — |
| 10001 W Bay Harbor Dr Apt 202 | condos | 1 | 1 | 846 | $276,000 | — |
| 10275 Collins Ave Apt 527 | condos | 1 | 2 | 896 | $649,000 | — |
| 10210 Collins Ave Apt 303 | condos | 1 | 2 | 986 | $450,000 | — |
| 8888 Collins Ave Apt 206 | condos | 1 | 1 | 750 | $369,000 | — |
| 9225 Collins Ave Apt 610 | condos | 1 | 2 | 918 | $428,000 | — |
| 10350 W Bay Harbor Dr Apt 5E | condos | 1 | 1 | 950 | $349,000 | — |
10-year hold projection
IRR-5.8%
Equity multiple0.02x
Total return (10yr)-$55,878
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $499,550 | $2,877 | -$29,144 | $383,793 | $115,757 |
| 2 | $514,537 | $3,142 | -$28,931 | $379,298 | $135,239 |
| 3 | $529,973 | $3,420 | -$28,707 | $374,493 | $155,479 |
| 4 | $545,872 | $3,710 | -$28,472 | $369,359 | $176,513 |
| 5 | $562,248 | $4,014 | -$28,225 | $363,872 | $198,376 |
| 6 | $579,115 | $4,332 | -$27,965 | $358,009 | $221,107 |
| 7 | $596,489 | $4,664 | -$27,692 | $351,742 | $244,747 |
| 8 | $614,383 | $5,011 | -$27,406 | $345,046 | $269,338 |
| 9 | $632,815 | $5,374 | -$27,105 | $337,889 | $294,926 |
| 10 | $651,799 | $5,753 | -$26,790 | $330,241 | $321,558 |
Assumes 3.0% annual rent growth, 2.5% expense growth, 3.0% appreciation, and a 6.0% selling cost at exit — all placeholder assumptions, not market-derived.