The Ritz‑Carlton South Beach sunrise skyline over Miami Beach—oceanfront landmark amid luxury and ultra luxury condos; resale.
The Ritz‑Carlton South Beach sunrise skyline over Miami Beach—oceanfront landmark amid luxury and ultra luxury condos; resale.

South Florida Ultra-Luxury Real Estate 2026: Cash, Crypto, and the New Liquidity Playbook

A discreet field guide to how $10M-plus buyers are structuring purchases in a higher-rate world, why new development lending still matters, and what the latest trophy comps signal for 2026.

The Surf Club, Surfside oceanfront balcony view; luxury and ultra luxury resale condos in Surfside, Florida, with panoramic Atlantic views and beachfront living.
The Surf Club, Surfside oceanfront balcony view; luxury and ultra luxury resale condos in Surfside, Florida, with panoramic Atlantic views and beachfront living.

After Surfside: The New Reality of Luxury Condo Ownership in South Florida

Florida’s condominium market has entered a more regulated, more transparent era after the 2021 Surfside tragedy. For luxury buyers, the headline is not simply stricter inspections. It is how inspection outcomes, reserve funding, and insurance costs flow through to special assessments, lender eligibility, and ultimately resale liquidity. Here is what materially changed, what HB 913 refined in 2025, and how to approach due diligence with the calm rigor the moment demands.

Bay view of Coral Gables waterfront luxury homes—prime South Florida zone near luxury and ultra luxury condos, with preconstruction and resale activity.
Bay view of Coral Gables waterfront luxury homes—prime South Florida zone near luxury and ultra luxury condos, with preconstruction and resale activity.

Top 10 Ultra-Luxury Neighborhoods and Enclaves in South Florida and Naples

From guarded islands in Biscayne Bay to Naples’ most storied waterfront blocks, these are the addresses that define Florida’s top tier.

The Delmore, Surfside Miami modern apartment building at evening—boutique tower of luxury and ultra luxury condos; preconstruction.
The Delmore, Surfside Miami modern apartment building at evening—boutique tower of luxury and ultra luxury condos; preconstruction.

Top 5 Boutique Ultra-Luxury Condo Developments in Miami Beach and Surfside (2026)

A discreet buyer’s guide to South Florida’s most limited-count, hospitality-leaning new developments, with practical underwriting notes for pre-construction in Miami Beach and Surfside.

The Residences at 1428 Brickell bayfront penthouse at sunset—Brickell, Miami; sky‑high luxury and ultra luxury condos; preconstruction.
The Residences at 1428 Brickell bayfront penthouse at sunset—Brickell, Miami; sky‑high luxury and ultra luxury condos; preconstruction.

Crypto and Miami Luxury Real Estate: From Novelty Payment to Closing Strategy

Crypto in South Florida luxury real estate is evolving from a headline-grabbing payment method into a practical tool for cross-border speed, liquidity, and buyer optionality. Miami’s positioning as a crypto-forward city, combined with sustained international demand, has accelerated experimentation, from high-profile penthouse purchases to wallet-to-wallet sales and pre-construction payment rails. At the same time, the mechanics remain grounded in traditional U.S. real estate fundamentals: escrow discipline, title and recording, compliance, and tax planning. This MILLION Luxury editorial explains what is actually changing, what is not, and how sophisticated buyers and sellers can evaluate crypto-funded offers without sacrificing certainty.

Bentley Residences Sunny Isles seaside balcony view in Sunny Isles Beach; luxury and ultra luxury condos, preconstruction, oceanfront lifestyle.
Bentley Residences Sunny Isles seaside balcony view in Sunny Isles Beach; luxury and ultra luxury condos, preconstruction, oceanfront lifestyle.

South Florida’s Ultra-Luxury Reset: What $10M+ Buyers Should Know Now

South Florida’s ultra-luxury real estate has shifted from a pandemic-era surge to a more durable, globally anchored market. With record-adjacent activity, selective inventory and a steady pipeline of service-heavy new development, today’s $10M+ buyer is underwriting lifestyle, privacy and long-term optionality as much as price.

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MILLION is a luxury real estate boutique specializing in South Florida's most exclusive properties. We serve discerning clients with discretion, personalized service, and the refined excellence that defines modern luxury.