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South Beach · condo-hotel · rent it your way

A corner unit in one of the last no-minimum-stay buildings on the beach

220 21st St #401 · Miami Beach, FL 33139 · MLS A12045122
New listing 1 bed / 1.5 bath — corner line Built 2010 · 4th of 6 floors 1 block to the sand Deeded covered parking
List price
$649,000
Last traded ≈ $635,000 in Nov 2016 — essentially flat
HOA $1,952 / mo $769–865 / sf*
2025 taxes $6,732 reassesses up on sale
Photo: SEFMLS © 2026 · A12045122

No spin — the ledger

What it costs to hold vs. what it earns

The building's amenities and rental freedom are real. So is the carrying cost. Here's the annual picture for a non-homestead owner at the asking price, using this exact unit's own rental history as the income anchor — not a platform estimate.

Cost to carry Before any mortgage or management
HOA / maintenance ($1,952 × 12)$23,424
Property taxes — reassessed est.*$12,000
Insurance — HO-6 + required flood (Zone AE)$3,000
Fixed annual carry≈ $38,400
Income — annual lease Furnished, at the unit's historical range
Gross rent ($5,500/mo, per its own MLS history)$66,000
Vacancy & credit loss (5%)−$3,300
Management (8%) + reserves−$7,100
Net before carry≈ $55,600
≈ $17,200 NOI · ~2.6% cap
That's the honest going-in yield on a straight annual lease at ask. The HOA is the anchor — it eats roughly a third of gross rent before anything else. The return case here is location and lifestyle, not cash flow.

The asset

What you're actually buying

A 2010 corner residence in Boulan South Beach — a condo-hotel where owners can join the hotel program or rent on their own terms, including short stays with no minimum.

Layout
1 / 1.5
Corner unit, two exposures
Size
750–844 sf*
MLS 750 · marketing 844 — verify
Building
Boulan
Condo-hotel · 6 stories · 2010
Rental rule
No minimum
Daily STR permitted — rare here
HOA
$1,952/mo
Hotel-grade service load
Flood zone
AE
Flood insurance required
Parking
1 deeded
Covered · valet available
Amenities
Resort-style
Rooftop pool, gym, beach service

Who this is really for

Two honest ways to own it

The numbers don't support a pure yield play. They do support a buyer who wants a South Beach base and treats income as an offset, not a return.

Best fit

Pied-à-terre + short-term offset

Use it as your Miami Beach base; rent it short-term when you're away to defray the carry.

  • One block to the beach, across from the Setai and W — a genuine lifestyle address
  • No-minimum rental freedom lets you block your own dates and monetize the rest
  • Turnkey: Miele oven, induction cooktop, custom Italian cabinetry, two-exposure light
Eyes open

Straight annual-lease investor

Simple to run, but the ledger above is the reality: thin cash yield driven by the HOA.

  • ≈ 2.6% going-in cap at ask on a furnished annual lease
  • Nominal price essentially flat since 2016 — underwrite for yield, not appreciation
  • Better suited to a cash buyer than a leveraged one (see financing note below)

On the short-term-rental upside — read this before you model it

STR can gross more than an annual lease at Boulan, and the no-minimum program is a real edge. But gross is not net. Off the top come short-term management at roughly 25–35%, Florida's 13% transient tax (6% state sales + 3% Miami-Dade tourist + 4% Miami Beach resort), platform fees, cleaning, furnishing capex, and heavy winter-vs-summer seasonality.

Underwrite STR off actual booking data from comparable Boulan units — not platform "median revenue," which most units never hit. Done honestly, STR tends to lift returns modestly above the annual case, not transform them. Treat it as upside, not the base case.

Before you write it up

What to verify — the things that move the deal

Flagging these up front is what keeps a client's trust when they run their own numbers.

Financing: likely non-warrantable

Condo-hotels rarely qualify for conventional loans. Expect all-cash or a specialty condotel loan (higher rate, 25%+ down). That thins the buyer pool and pressures resale liquidity.

Taxes will jump on sale

The $6,732 shown is the seller's basis. A comparable unit (#303) already pays $10,242. On a ~$649K purchase, budget roughly $11k–$13k/yr and confirm against current Miami Beach millage.

Square footage conflict

MLS records 750 sf; the marketing says 844 sf. That's $865 vs $769 per foot. Get the measured number before it anchors a price conversation.

Reserves & assessments

Sheet shows no current special assessment, but request the budget, reserve study (Florida SIRS) and board minutes — condo-hotel reserve funding and any upcoming projects belong in the pro forma.

Confirm the STR program is intact

Miami Beach short-term-rental rules and building bylaws have tightened over time. Verify daily rental is still permitted and what registration/resort-tax compliance the operator handles.

Appreciation has been flat

≈ $635k (2016) to $649k (2026) is ~+2% nominal over ~9.5 years. High-fee small beach condos have lagged — the honest thesis is income and lifestyle, not price growth.

The address carries it

Mid-Beach's luxury pocket, on foot

21st Street sits in the quieter, upscale stretch of South Beach — steps from the sand, minutes from the noise when you want it.

1 blk
The Atlantic
Complimentary beach service — chairs, towels, umbrella
Across
The Setai & W
Five-star dining and bars at the doorstep
~5 min
Lincoln Road
Shopping, cafés, the SoBe promenade
~3 min
Bass Museum
Collins Park arts & culture district
~12 min
Downtown / Brickell
Over the causeway to the mainland
~20 min
MIA Airport
Easy access for owner & guest turnover

The residence & the building

Corner light, rooftop pool, beach below

Let's pressure-test it together

Want the real STR comps and a financing path?

I'll pull actual booking performance from comparable Boulan units, get you the true square footage and HOA budget, and line up a condotel-friendly lender so the numbers you see are the numbers you'll live with.

SG
Steve Gabison
BlueBay Brokers · Broker Lic. BK3411036
786-622-6285 · [email protected]