The Town of Bay Harbor Islands, in Miami-Dade County, Florida, requires a building permit for most construction and issues it through its own Building & Zoning Department1. The town adopts its own zoning code2. Septic permits are not a town function: the Florida Department of Health in Miami-Dade County handles them countywide3.
At a glance
- Building permit
- Required for most construction; issued by the town's Building Department1
- Zoning
- The town's own code, Chapter 23 (Zoning and Planning)2
- Septic
- Florida Department of Health in Miami-Dade County, with county DERM review of new systems3
- RV living
- Not permitted in flood hazard areas, which cover the whole town45
- Tents and temporary structures
- Need prior written town approval6
- Flood rules
- Flood Damage Prevention chapter applies to buildings in flood hazard areas4
Who to call
Building permits
Town of Bay Harbor Islands Building & Zoning Department
Building permits, inspections, and zoning questions inside town limits
1045 95th Street, Trailer 3 Bay Harbor Islands , FL 33154
Floodplain permits
Town of Bay Harbor Islands Building Department (floodplain development)
Permits for development in the town's flood hazard area
Septic permits
Florida Department of Health in Miami-Dade County (Onsite Sewage Tanks and Disposal Systems)
Septic permits and inspections in Miami-Dade County
Contact details are copied from each office’s official page and were checked against it on October 16, 2026.
Off-grid gear
Going off-grid in Town of Bay Harbor Islands means bringing your own water and power. The kit we’d start with:
- Water Crystal Quest Filter any source — well, rain, or creek — to drinking-clean.
- Power Bluetti Solar generators and home battery backup for living off the grid.
- Septic Soil percolation test kit Run your own perc test before paying an engineer — the first thing a septic office asks about.
- Water Well water test kit Bacteria, nitrates, hardness — know what the well on a parcel is really pumping.
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Do you need a building permit in Bay Harbor Islands, FL?
Yes for most work. The Town of Bay Harbor Islands states that a building permit is required for most types of construction work inside the town1. The town also says it lies completely in a special flood hazard area, so all development and improvements need a permit from its Building Department5. Even small jobs count: the town says work valued at $100 or more must have a permit5.
Miami-Dade County's building permit rules cover unincorporated land only; incorporated municipalities administer permits within their own limits7. A Bay Harbor Islands address does not go to the county permit counter.
Who issues building permits in Bay Harbor Islands, and how do you reach them?
The town's own Building & Zoning Department issues building permits, and it takes applications through an online portal1. Call it at 305-993-17861. Its address is 1045 95th Street, Trailer 3 in Bay Harbor Islands1.
We could not confirm the town's building code edition, inspection rules or fee schedule on its code pages. Florida applies one statewide Florida Building Code, currently the 8th Edition (2023)8. Ask the Building Department which edition and fees apply to your project.
Does Bay Harbor Islands have zoning, and what does it mean for RVs and tents?
Yes. Zoning in the Town of Bay Harbor Islands comes from the town's own code, Chapter 23, Zoning and Planning2. The districts we saw include B-1 Business and the RM-1 and RM-2 multiple-family districts; we did not confirm a full district list, so ask the Building & Zoning Department for the zoning of a specific parcel9.
On RVs, the town's flood damage prevention rules state that manufactured homes and recreational vehicles are not permitted in flood hazard areas4, and the town says all of it lies in such an area5. Tents and temporary accessory structures need prior written approval from the town6. We could not confirm the town's rules on tiny homes, accessory dwellings, minimum lot size or setbacks.
How do septic permits work in Bay Harbor Islands?
Septic permits are not issued by the town. The Florida Department of Health in Miami-Dade County handles septic permitting and inspection, and Miami-Dade County's DERM reviews and approves new and total replacement systems3. Conventional Type 1 septic systems are not allowed for new or total replacement systems in Miami-Dade County10.
We could not confirm whether any Bay Harbor Islands lot is served by septic rather than public sewer. Ask the Building Department and the Department of Health11 before assuming a septic system is an option.
What does the flood chapter mean for building in Bay Harbor Islands?
The town's Flood Damage Prevention chapter applies to buildings and structures in flood hazard areas4. Structures exempt from the Florida Building Code must still meet ASCE 24 flood load requirements, and enclosures below the required elevation need recorded nonconversion agreements before the certificate of occupancy4. Because the town lies entirely in a special flood hazard area, plan for these requirements on any project5.
What stays with Miami-Dade County, and what to check before you buy
Miami-Dade County's unincorporated-area rules do not apply inside the town; for land outside it, see the Miami-Dade County page. Septic permitting and inspection stay with the county health department3, and wells need Florida Department of Health approval12.
Before buying, confirm the parcel's zoning district with the town1, check flood requirements5, and ask about sewer service and septic eligibility11.
Watch-outs
- The town's permit page says it operates under the Florida Building Code 2017, while Florida's statewide code is the 8th Edition (2023); confirm the edition with the Building & Zoning Department before design8.
- We could not confirm the town's owner-builder, tiny-home, accessory-dwelling, minimum-lot-size or setback rules, so ask the Building & Zoning Department1.
- Recreational vehicles are not permitted in flood hazard areas under the town's flood chapter, and the whole town lies in one45.
Sources
- Town of Bay Harbor Islands Building & Zoning Department (bayharborislands-fl.gov)
- Bay Harbor Islands Code Sec. 23-4 RM-1 and RM-2 Multiple Family districts (Town of Bay Harbor Islands), quoted and re-checked
- Onsite Sewage Tanks and Disposal Systems, quoted and re-checked
- Bay Harbor Islands Code Sec. 7½-11 Buildings and structures (Town of Bay Harbor Islands), quoted and re-checked
- Town of Bay Harbor Islands Building Department (floodplain development) (bayharborislands-fl.gov)
- Bay Harbor Islands Code Sec. 23-12 General provisions (Town of Bay Harbor Islands), quoted and re-checked
- Homeowners General Permit Information, quoted and re-checked
- 61G20-1.001 Florida Building Code Adopted (Florida statewide rule), quoted and re-checked
- Bay Harbor Islands Code Sec. 23-5 B-1 Business district (Town of Bay Harbor Islands), quoted and re-checked
- Onsite Sewage Tanks and Disposal Systems, quoted and re-checked
- Florida Department of Health in Miami-Dade County (Onsite Sewage Tanks and Disposal Systems) (miamidade.floridahealth.gov)
- Potable Water Supply Permit, quoted and re-checked
Written October 16, 2026 from the rules quoted below, each taken from an official source and re-checked by an independent reviewer. This is research, not legal advice: rules change, so confirm with the office before you buy or build.