Bal Harbour & Surfside condo financeability
Which buildings the banks are lending on, at what down payment. Read from recorded mortgages in the public record — counts and shares only, never individual loans.
Buildings read
66 / 85
Average index
37
Financeable buildings
17
Bank loans recorded, 12 months
148
Lowest down payment seen
5%
Financeability Index
| Building | Reading | Loans (12 mo) | Sales financed | Avg. down | Lowest down |
|---|---|---|---|---|---|
| Bay Harbor ClubVA | 86Readily financeable | 3 / 4 | 75% | 37% | 15% |
| One Bay Harbor | 81Readily financeable | 2 / 2 | 50% | 28% | 5% |
| Waverly at Surfside | 72Financeable | 2 / 2 | — | 27.5% | 15% |
| Carroll Walk | 67Financeable | 3 / 3 | 75% | 36.9% | 25% |
| Island Pointe | 67Financeable | 2 / 2 | 33% | 23% | 5% |
| Bay Harborview | 65Financeable | 2 / 2 | 50% | — | — |
| Granada | 64Financeable | 3 / 3 | — | 16.7% | 10% |
| Ten Thousand Plaza | 62Financeable | 2 / 2 | — | 28.8% | 25% |
| Azure | 58Financeable | 2 / 2 | — | — | — |
| La Baia | 56Financeable | 21 / 24 | 26%incl. 67 developer closings | 36.1% | 20% |
| London Towers | 56Financeable | 4 / 4 | — | — | — |
| St. Regis Bal Harbour Center Tower | 55Financeable | 5 / 7 | 43% | 33.2% | 25% |
| Solimar | 54Financeable | 11 / 16 | 42% | 34.3% | 16.3% |
| Surfside Towers | 54Financeable | 5 / 7 | 25% | 30.3% | 16.2% |
| The Mediterranean | 54Financeable | 1 / 1 | — | — | — |
| Mirage | 53Financeable | 4 / 4 | 60% | 30% | 20% |
| Waves | 51Financeable | 1 / 1 | 17% | — | — |
| Balmoral | 49Limited financing | 9 / 11 | 15% | 29.2% | 19.4% |
| Alana Bay Harbor | 48Limited financing | 0 / 0 | —incl. 2 developer closings | 40.9% | 30% |
| Caravelle | 46Limited financing | 1 / 1 | — | — | — |
| Bay Harbor One | 45Limited financing | 1 / 1 | — | — | — |
| Surfside Palms | 45Limited financing | 2 / 2 | — | — | — |
| Villas At Bay Harbor | 45Limited financing | 2 / 2 | — | — | — |
| Blair House 9102 | 44Limited financing | 1 / 1 | 0% | — | — |
| Kai at Bay Harbor | 43Limited financing | 3 / 3 | 60% | 36.4% | 25.6% |
| Oceana Bal Harbour | 42Limited financing | 5 / 8 | 25% | 37.2% | 25% |
| Palms Bay Harbor | 41Limited financing | 0 / 0 | — | — | — |
| Atlantic Rose | 39Limited financing | 0 / 0 | — | — | — |
| Montego Club | 39Limited financing | 1 / 1 | 33% | — | — |
| Blair House 9100 | 38Limited financing | 0 / 0 | — | — | — |
| Kenilworth | 37Limited financing | 2 / 4 | 15% | — | — |
| Ivory Residence | 35Limited financing | 1 / 1 | — | — | — |
| Harbour House | 33Limited financing | 8 / 12 | 11% | 46.5% | 30% |
| O Residences | 33Limited financing | 1 / 2 | 25% | — | — |
| Mediterranean | 31Limited financing | 0 / 1 | — | — | — |
| Bellini | 29Mostly cash | 3 / 5 | 25% | — | — |
| Marbella | 29Mostly cash | 1 / 2 | 0% | — | — |
| ManateeVA | 28Mostly cash | 1 / 4 | 11% | — | — |
| 9350 W Bay Harbor Dr | 27Mostly cash | 0 / 0 | — | — | — |
| Bal Bridge North | 27Mostly cash | 0 / 0 | — | — | — |
| Belmont | 27Mostly cash | 0 / 0 | — | — | — |
| The Surf Club | 27Mostly cash | 3 / 5 | 0% | 40% | 30% |
| Island Manor South | 26Mostly cash | 1 / 1 | — | — | — |
| Colony Bay Harbor | 25Mostly cash | 1 / 1 | 33% | — | — |
| Ocean Seven | 25Mostly cash | 0 / 0 | — | — | — |
| Spiaggia Ocean | 25Mostly cash | 3 / 4 | — | — | — |
| Bal Harbour Tower | 24Mostly cash | 1 / 1 | 14% | — | — |
| Seaway South | 24Mostly cash | 5 / 6 | 20%incl. 9 developer closings | 36.2% | 31.3% |
| Rimini Beach | 23Mostly cash | 0 / 0 | — | — | — |
| Vintage | 23Mostly cash | 2 / 4 | — | — | — |
| Altos del Mar 5 | 20Mostly cash | 2 / 2 | 0% | — | — |
| Bal Harbour 101 | 20Mostly cash | 3 / 3 | 29% | — | — |
| Riva Bay Harbor | 20Mostly cash | 0 / 0 | — | — | — |
| Ocean 88 | 19Mostly cash | 1 / 1 | 0% | — | — |
| Four Winds | 18Mostly cash | 1 / 1 | 0% | — | — |
| Guildford | 18Mostly cash | 0 / 0 | 0% | — | — |
| Onda Residences | 18Mostly cash | 3 / 4 | 9%incl. 2 developer closings | — | — |
| Plaza of Bal Harbour | 18Mostly cash | 2 / 6 | 0% | — | — |
| Stuart Homes | 18Mostly cash | 0 / 1 | — | — | — |
| The Ocean Wave | 18Mostly cash | 1 / 3 | — | — | — |
| Tiffany | 18Mostly cash | 1 / 1 | 0% | — | — |
| Sereno Residences | 17Mostly cash | 0 / 0 | 0% | — | — |
| St. Regis Bal Harbour South Tower | 17Mostly cash | 0 / 0 | 0% | — | — |
| St. Regis Bal Harbour North Tower | 16Mostly cash | 2 / 3 | 20% | — | — |
| One Bal Harbour | 14Mostly cash | 1 / 3 | 17% | — | — |
| The Palace at Bal Harbour | 12Mostly cash | 0 / 1 | 0% | — | — |
| 9900 W Bay Harbor Dr | Not enough recorded loans | 0 / 0 | — | — | — |
| Arte Surfside | Not enough recorded loans | 0 / 0 | — | — | — |
| Bay Harbor Towers | Not enough recorded loans | 0 / 0 | — | — | — |
| Beach Haus Bal Harbour | Not enough recorded loans | 0 / 0 | — | — | — |
| Beach Point Club | Not enough recorded loans | 0 / 0 | — | — | — |
| Berkshire House | Not enough recorded loans | 0 / 1 | — | — | — |
| Bijou Bay Harbor | Not enough recorded loans | 0 / 1 | 0% | — | — |
| Island Place at Bay Harbor | Not enough recorded loans | 0 / 0 | — | — | — |
| La Baia North | Not enough recorded loans | 0 / 0 | — | — | — |
| La Mare Regency | Not enough recorded loans | 0 / 0 | — | — | — |
| Lanai | Not enough recorded loans | 0 / 0 | 0% | — | — |
| Le Jardin House | Not enough recorded loans | 0 / 5 | 0% | — | — |
| Le Nautique | Not enough recorded loans | 0 / 0 | — | — | — |
| Majestic Tower | Not enough recorded loans | 0 / 1 | 0% | — | — |
| Monterey | Not enough recorded loans | 0 / 0 | — | — | — |
| Northern Star | Not enough recorded loans | 0 / 0 | — | — | — |
| Surf Row | Not enough recorded loans | 0 / 0 | — | — | — |
| The Well Bay Harbor Islands | Not enough recorded loans | 0 / 0 | — | — | — |
| Whitehall At Bal Harbour | Not enough recorded loans | 0 / 0 | 0% | — | — |
How we read it
A bank that writes a purchase mortgage at an ordinary down payment has just checked the building itself: reserves, insurance, litigation, owner-occupancy. The index (0–100) adds four parts: the share of recorded sales financed by regulated lenders over 24 months (up to 40), the lowest down payment one of them accepted (up to 35), lending in the last 12 months (up to 15) and FHA/VA programme approval (10). The absence of loans proves nothing — cash buildings are simply marked "not enough recorded loans" — so nothing here ever lowers a building's Health score.
Source: Miami-Dade County official records and the FHA/VA approval lists. Aggregates only; individual instruments are never shown. · As of 2026-10-15