Bay Harbor Towers Homes for Sale

Bay Harbor Towers is an age-restricted 55+ community in Bay Harbor Islands, Miami-Dade County, Florida, governed under the Housing for Older Persons Act (HOPA). Homes are priced from $4,500,000 to $6,300,000. At least one resident per home must be 55 or older. Pure Equity lists homes in Bay Harbor Towers and represents buyers. Commission is negotiable, and what we are paid is agreed with you in writing before you commit to anything.

Pure Equity Realty covers Bay Harbor Towers and the Bay Harbor Islands area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows 3 Bay Harbor Towers Bay Harbor Islands homes for sale as of September 2026. The median asking price is $5.8M. Asking prices run from $5.32M to $6.35M.

That is 356% above the Bay Harbor Islands median of $1.27M. On a per-foot basis, homes here ask about $1,801 per square foot, compared with $903 across Bay Harbor Islands. So the median price buys roughly 3,200 square feet of living area.

Listings here have averaged 100 days on the market. That is faster than the Bay Harbor Islands average of 167 days. As a result, buyers here should be ready to write an offer soon after a showing.

Homes listed in Bay Harbor Towers date from 2026, so they are about 0 years old.

Every one of these homes went up after Florida adopted its statewide building code in 2002. In practice, that usually means impact-rated openings and stronger roof attachment. A wind mitigation inspection documents those features, and Florida insurers must offer premium discounts for them.

Bay Harbor Towers includes waterfront homes. Waterfront lots in South Florida often sit in FEMA special flood hazard areas, where lenders require flood insurance. Before you commit, look up the address on the FEMA Flood Map Service Center and ask the seller for an elevation certificate.

Bay Harbor Towers has new construction. Builders usually require your agent to register you on the first visit, so bring your agent or call us before you walk in.

At a median near $5.8M, Bay Harbor Towers sits in the luxury tier of Bay Harbor Islands. Jumbo financing and proof of funds usually come up early in these negotiations.

Here is what the median Bay Harbor Towers price means in Florida closing terms. At $5.8M, a 20% down payment comes to about $1.16M, leaving a loan near $4.64M.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $16,240. Next, the intangible tax of 0.2% adds about $9,280. Buyers normally pay both at closing.

On the seller side, Miami-Dade charges deed stamps of 60 cents per $100 on a single-family home, about $34,800 at this price. Condos and other property types pay a higher rate.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.

Recent Bay Harbor Towers listings show assignments to Ruth K. Broad Bay Harbor K-8 (elementary) and Miami Beach (high). However, boundaries can change each year, so confirm the assignment for a specific address with Miami-Dade County Public Schools.