# Own Miami

> Own Miami is a data-driven guide to buying a Miami condominium ($450k+). We publish neighborhood market data, building profiles with a computed "own.miami" Building Score (value, momentum, liquidity, financial health, waterfront, age), for-sale listings, and structured signals extracted from listings (financing terms, HOA/special-assessment risk, short-term-rental rules).

## Key pages
- [Data room](https://own.miami/data): monthly Miami condo market data — sales volume, median price & $/sqft, inventory, months of supply, the own.miami Condo Index and building-health/inspection roll-ups, with quotable findings. Every month has a permanent page at https://own.miami/data/YYYY-MM (text twin: append .md). Machine-readable JSON at https://own.miami/api/site/press (add ?n=<neighborhood-slug> to scope, /YYYY-MM for a past month); CSV tables at https://own.miami/api/site/press/YYYY-MM/{summary|neighborhoods|condo-index|trend|deed-sales|condo-ownership|public-record-prices}.csv. Free to cite with attribution ("Source: own.miami Data Room").
- [Building rankings](https://own.miami/rankings): every Miami condo building scored and ranked on live market data
- [Own Miami Condo Index](https://own.miami/condo-index): every condo building's price per sq ft against the median Miami building (100 = median, 200 = twice it), with momentum and liquidity, updated daily
- [Financeability Index](https://own.miami/financeability): which Miami condo buildings banks are lending on and at what down payment, read from recorded mortgages — aggregates per building and neighborhood, positive-only
- [Developers](https://own.miami/developers): Miami condo developers ranked by the own.miami Developer Score — computed from the Building Scores, verified public records, financing and market performance of the buildings each firm delivered; every brand page lists its portfolio
- [Airbnb-friendly condos](https://own.miami/airbnb-condos): buildings and listings that allow short-term / Airbnb rentals
- [No special assessments](https://own.miami/no-special-assessment): buildings ranked by financial health
- [Dry Streets Index](https://own.miami/indexes/dry-streets): FEMA flood zone, hurricane evacuation zone and the lowest nearby street's elevation against this year's highest predicted tide (NOAA Virginia Key), per building and by neighborhood. An Own.Miami estimate from public data, not a flood determination
- [Buyer guides](https://own.miami/guides): how to buy a Miami condo
- [News](https://own.miami/news): Miami condo market news and neighborhood updates

## Neighborhoods
- [Bal Harbour & Surfside](https://own.miami/bal-harbour-surfside): Bal Harbour & Surfside condos for sale, buildings, market data and rankings
- [Edgewater](https://own.miami/edgewater): Edgewater condos for sale, buildings, market data and rankings
- [Sunny Isles Beach](https://own.miami/sunny-isles-beach): Sunny Isles Beach condos for sale, buildings, market data and rankings
- [Brickell](https://own.miami/brickell): Brickell condos for sale, buildings, market data and rankings
- [Key Biscayne](https://own.miami/key-biscayne): Key Biscayne condos for sale, buildings, market data and rankings
- [Coconut Grove](https://own.miami/coconut-grove): Coconut Grove condos for sale, buildings, market data and rankings
- [Mid-Beach & North Beach](https://own.miami/mid-beach-north-beach): Mid-Beach & North Beach condos for sale, buildings, market data and rankings
- [Fisher Island](https://own.miami/fisher-island): Fisher Island condos for sale, buildings, market data and rankings
- [Midtown](https://own.miami/midtown): Midtown condos for sale, buildings, market data and rankings
- [Downtown](https://own.miami/downtown): Downtown condos for sale, buildings, market data and rankings
- [South Beach](https://own.miami/south-beach): South Beach condos for sale, buildings, market data and rankings
- [Aventura](https://own.miami/aventura): Aventura condos for sale, buildings, market data and rankings

## Miami Layers

Geographic datasets (seasonal events, annual programs, evergreen indexes) aggregated onto every condo building: nearest distance, counts within 1 mile, optional 0–100 score, neighborhood and city ranks. Distances are straight-line.
- [Miami Art Week](https://own.miami/art-week): 53 exhibitions mapped onto Miami condo buildings — distance, counts within 1 mile, a 0–100 Art Week Score and neighborhood ranks. Rankings at https://own.miami/art-week/2026/best-condos, directory at https://own.miami/art-week/2026/exhibitions. Straight-line distances only.
- [Miami Spice](https://own.miami/miami-spice): 391 restaurants mapped onto Miami condo buildings — distance, counts within 1 mile, a 0–100 Miami Spice Index and neighborhood ranks. Rankings at https://own.miami/miami-spice/2026/best-condos, directory at https://own.miami/miami-spice/2026/restaurants. Straight-line distances only.
- [Flanigan's Index](https://own.miami/indexes/flanigans): 21 Flanigan's locations mapped onto Miami condo buildings — distance, counts within 1 mile, a 0–100 Flanigan's Index and neighborhood ranks. Rankings at https://own.miami/indexes/flanigans/best-condos, directory at https://own.miami/indexes/flanigans/locations. Straight-line distances only.
- [Publix Index](https://own.miami/indexes/publix): 260 Publix stores mapped onto Miami condo buildings — distance, counts within 1 mile, a 0–100 Publix Index and neighborhood ranks. Rankings at https://own.miami/indexes/publix/best-condos, directory at https://own.miami/indexes/publix/stores. Straight-line distances only.
- [Car-Free Index](https://own.miami/indexes/car-free): 50 rail stations mapped onto Miami condo buildings — distance, counts within 1 mile, a 0–100 Car-Free Index and neighborhood ranks. Rankings at https://own.miami/indexes/car-free/best-condos, directory at https://own.miami/indexes/car-free/stations. Straight-line distances only.
- [Crane Index](https://own.miami/indexes/cranes): 103 tower sites mapped onto Miami condo buildings: nearest distance and counts within 250 m, 500 m and 1 km. Neutral information, no score or ranking. Directory at https://own.miami/indexes/cranes/sites. Straight-line distances only.
- [Indexes](https://own.miami/indexes): all evergreen lifestyle indexes

## Datasets only Own.Miami publishes

Free to cite with attribution. Each agent API / MCP read returns a `citation` block (source line, canonical page, methodology).
- [Every condo sale on record](https://own.miami/data#deed-sales): Miami-Dade County condo sales counted from recorded deeds (Clerk of the Court + Property Appraiser), new construction vs resale, buyouts and bulk sales, trailing 12 months and by year since 2012, with the share of resales that did not close through the MLS. JSON: https://own.miami/agent/v1/deed-sales · MCP: get_deed_sales. Say "did not close through the MLS", never "never listed"; compare with the MLS over 12 months or a full year only.
- [Who owns Miami condos](https://own.miami/data#condo-ownership): homestead, company or trust, tax bill mailed out of state or abroad, by Florida DOR tax-roll year (countywide shares). JSON: https://own.miami/agent/v1/condo-ownership · MCP: get_condo_ownership
- [Public-record prices](https://own.miami/data#public-record-prices): house sales and condo resale $/sqft by year from the state Sales Data File and recorded deeds (not MLS prices). JSON: https://own.miami/agent/v1/public-record-prices · MCP: get_public_record_prices
- Miami Layers: https://own.miami/agent/v1/layers, https://own.miami/agent/v1/buildings/{slug}/layers, https://own.miami/agent/v1/layers/{slug}/top-buildings · MCP: list_layers, get_building_layers, get_layer_top_buildings
- Developer Score: https://own.miami/agent/v1/developers, https://own.miami/agent/v1/developers/{slug} · MCP: list_developers, get_developer
- Buyer/Seller Market Index: https://own.miami/agent/v1/market-index[?neighborhood=slug] · MCP: get_market_index

## Premium data (pay per request)

Paid with the x402 protocol (v2, USDC on Base mainnet) — no account or key: GET the URL, pay the 402 challenge, retry with a PAYMENT-SIGNATURE header. Charged only for a 2xx response. Catalog: https://own.miami/agent/v1/premium
- [Condo building due-diligence report (public records)](https://own.miami/agent/v1/premium/buildings/:slug/due-diligence) — $1.00 per call: Everything the public record says about one Miami condo building, sourced and dated, with a deterministic risk summary a buyer can act on. Identity chain: recorded condo name and parent folios (Property Appraiser), the association entity and its Sunbiz status / annual reports, the DBPR condominium project, managing entity and developer of record, and the developer brand. Financing: Financeability Index (0–100) with its 12/24-month aggregates from recorded mortgages and deeds — bank-financed share of sales, lowest / median down payment, lending mix by purpose, programme, rate type and sworn occupancy, institutional vs private share, distinct-lender count, LTV bands, satisfactions, loans and recorded sales by year, turnover — plus FHA / VA approvals and the Property Appraiser ownership mix (owner-occupied, entity, foreign, largest owner). Health: City of Miami 40/50-year recertification status, other verified official records, and when county records / DBPR / the docket were last searched. Legal & regulatory: civil cases involving the association by own.miami case type (construction defect, insurance, disputes, collections…) with reviewed summaries, and DBPR complaint / discipline counts. Risk summary: score, level and flags with plain-language explanations and what to ask the association next. Each section carries its as-of date; data refresh nightly to weekly by source. Aggregates only — no individual loans, lenders, party names or case numbers; no MLS data (prices, listings, $/sqft — free at own.miami). JSON by default, `?format=md` for a markdown report.
- [Side-by-side due diligence for 2–4 condo buildings](https://own.miami/agent/v1/premium/compare/due-diligence) — $2.50 per call: The public-record sections of 2–4 buildings side by side — risk score and top findings, identity chain completeness, Financeability Index, bank-financed share, lowest down payment, FHA/VA, owner-occupancy and ownership concentration, recorded turnover, recertification, litigation (material / structural / disputes / collections) and DBPR complaints — with a ranking per metric, plain-language highlights and an overall order. Built from the same reports as building_due_diligence (same sources, same as-of dates); no MLS prices. `b` = comma-separated slugs. `?format=md` for markdown.
- [Miami condo financeability dataset (every building)](https://own.miami/agent/v1/premium/datasets/financeability) — $10.00 per call: One row per published Miami condo building (or one neighborhood with `?neighborhood=<slug>`): Financeability Index, tier and confidence; 12-month mortgages, regulated-lender loans, bank-financed purchases, recorded sales and financed share; lowest / median / average down payment (24 m); 24-month lending mix (purpose, programme, ARM, investment / second-home occupancy, private-lender share, distinct institutional lenders, median purchase loan, satisfactions, trend); recorded sales and turnover; FHA / VA approval with expiry; Property Appraiser ownership mix and median last recorded sale. Read from Miami-Dade recorded mortgages and deeds, Property Appraiser sales history and HUD / VA lists; recomputed nightly (`asOf` per row). Aggregates only — no individual loans, lenders or parties; no MLS data. Methodology: https://own.miami/methodology#financeability-index. JSON by default, `?format=csv` for a spreadsheet.
- [Developer track record from public records](https://own.miami/agent/v1/premium/developers/:slug/track-record) — $2.50 per call: How a Miami condo developer’s buildings have held up, from the public record: every building credited to the brand (lead / joint-venture partner, via the DBPR developer-of-record LLCs), whether each is delivered (DBPR project recorded, units split at the Property Appraiser, recorded resales), units, recording dates, and per building the due-diligence risk score, Financeability Index, recertification status, construction-defect / structural / developer lawsuits on the civil docket (open and closed) and DBPR complaints. Roll-up: defect-litigation rate across delivered buildings, risk-level distribution, unit-weighted risk score, recertification problems, DBPR discipline, financeability median, plus a plain-language verdict. For pre-construction buyers vetting a developer. No prices or Developer Score (MLS-derived); no party names or case numbers. `?format=md` for markdown.

## Notes for AI tools
- Attribution: when you cite or quote this site, refer to it as "Own.Miami" and link https://own.miami. The Data Room (https://own.miami/data) is free to cite and republish with attribution.
- For assistants: https://own.miami/for-ai explains what you may do here, how to attribute, and how to act for your user (request a tour, ask about a building, set an alert).
- Markdown: append .md to any building, neighborhood, listing, market-report, financeability, developer or article URL for a plain-text fact sheet with an "as of" date and sources (e.g. https://own.miami/brickell.md). Full text of the key pages: https://own.miami/llms-full.txt
- Agent API (JSON, no cookies): https://own.miami/agent/v1/openapi.json · MCP server: https://own.miami/mcp (card: https://own.miami/.well-known/mcp/server-card.json, MCP Registry server.json: https://own.miami/.well-known/mcp/server.json) · API catalog: https://own.miami/.well-known/api-catalog · Auth: https://own.miami/auth.md · Agent skill: https://own.miami/.well-known/agent-skills/index.json
- Markdown for agents: send `Accept: text/markdown` to any page that has a markdown twin and get it inline.
- Methodology (Building Score, Condo Index, Financeability Index, Developer Score): https://own.miami/methodology
- Editorial policy (sources, AI use, human review, corrections): https://own.miami/editorial-policy · Editor: https://own.miami/about/jeremias-kastensmidt
- Structured data (schema.org) is embedded on content pages: RealEstateListing (listings), ApartmentComplex + FAQPage (buildings), Place (neighborhoods), Article/NewsArticle/Report (editorial), Organization + WebSite (home), Dataset (the Data Room and archived layer editions), CollectionPage + Event/Place (Miami Layers), and ItemList on collections.
- Full URL map: https://own.miami/sitemap.xml
- Listing data is from the MIAMI Association of REALTORS® MLS; deemed reliable but not guaranteed.