Buying in South Florida
Finding the right home, from waterfront to a city condo, with every step handled personally through to closing.
Coral Gables · Miami · South Florida
With more than 25 years of firsthand experience living and investing in Miami, I help clients navigate luxury residential, commercial, and investment real estate. For those seeking a second home in Europe, I offer a select collection of properties in Mallorca.


Why Morten
More than 25 years of Miami market experience. Personal guidance and a trusted point of contact from our first conversation to the closing table—and beyond.
Morten has lived and invested in South Florida for more than 25 years, and his family is here. He knows the neighborhoods from the inside.
From gated luxury communities and multifamily properties to office buildings and pre-construction opportunities, I provide personalized guidance backed by the expertise, resources, and reach of ATR Luxury Homes and Coldwell Banker Realty.
For clients who want more than one home: a hand-picked collection in Mallorca, with the full file, the film and the price in dollars.
South Florida
Waterfront in Bay Point, a corner residence on Brickell Key, an estate on the water in Fort Lauderdale.
All South Florida homes
Waterfront
Waterfront · 2021
Gated community
Move-in-ready
Furnished · bay views
Furnished estateThe full South Florida MLS, updated as listings change.
Start a search →A straight answer on price and timing, based on what has actually sold.
Ask Morten →Including homes that never reach the open market.
Start your brief →Track record
A selection of homes Morten has closed in Coral Gables and Miami.
Sold
Sold
LeasedCommercial & investment
Office, retail, multi-family and income property, judged on the numbers first by someone who invests himself, with the reach of Coldwell Banker Commercial.
The commercial inventory across Miami-Dade, through Coldwell Banker Commercial.
Search commercial →
Sold
Pre-constructionVisualisationIncome property and multi-family, with the numbers on the table from the first conversation.
Ask Morten →The Mallorca Collection
For clients who want a home in Europe: seven hand-picked homes on the island, each with a verified file and a lead agent on the ground.
All Mallorca homesCo-ownRent in Mallorca
300° of sea and mountain. Spa, indoor pool, gym and garage on the lower level; living, kitchen, terraces and pool on the ground floor; bedrooms and roof terrace above. Furnished and move-in-ready.
Buy the house, or a share with your own weeks, from four weeks a year. Same house, same file.
Sea view
TurnkeyVisualisation
Ready June 2027VisualisationWhat I do
Finding the right home, from waterfront to a city condo, with every step handled personally through to closing.
A clear price, strong presentation and the reach of ATR Luxury Homes and Coldwell Banker Realty.
Office, retail, multi-family and income property, judged on the numbers first.
Film, plans and the full file before you fly, a viewing with the lead agent on the island, and the purchase explained step by step.
Where Morten works
With deep roots in Miami and more than 25 years of local market experience, I serve clients across South Florida’s most sought-after residential, commercial, and investment markets.
Luxury residences, high-rise living, new developments, and commercial real estate.
01Waterfront condominiums, bayfront residences, and emerging development opportunities.
02Distinctive homes, historic neighborhoods, waterfront properties, and select investment opportunities.
03Luxury oceanfront residences, condominiums, and investment properties.
04Established luxury neighborhoods, elegant residences, and long-term investment opportunities.
05Residential communities, multifamily properties, and commercial real estate.
06Waterfront homes, luxury residences, multifamily assets, and commercial opportunities.
07Upscale residential communities, luxury properties, and select investment opportunities.
08A select collection of European homes, from Mediterranean villas and coastal residences to distinctive properties for those seeking a second home abroad.
09
About
Real Estate Advisor · ATR Luxury Homes | Coldwell Banker Realty
Morten works across luxury residential, investment, multi-family and commercial property, and gives his clients the strategic view to reach their goals, whether that is a primary home, an income property or a second home abroad.
Miami has been home for more than 25 years. He has built his career here as an investor and as a trusted advisor, and his family is here. For clients who want a home in Europe, he represents a hand-picked collection in Mallorca, with people on the ground he works with every week.
Relationships that last longer than the transaction.

Home / Mallorca insights
Buying in Mallorca
What happens between the first viewing and the keys, what it costs on top of the price, and where buyers from the US usually lose time.
Spain places no restrictions on Americans buying property. You can buy in your own name, jointly, or through a company, and you do not need to live in Spain. What you do need is a Spanish tax number, a Spanish bank account and an independent lawyer, in that order.
The proposed tax on non-EU buyers is not law. In January 2025 the Spanish government proposed a tax of up to 100% on homes bought by non-EU buyers who do not live in Spain. The bill has not been debated in Congress and was left out of the government's housing package in January 2026. Buyers from the US pay the same purchase taxes as everyone else.
Buying no longer gives residency. Spain closed its Golden Visa on 3 April 2025. A home in Mallorca is yours to use, but stays of more than 90 days in any 180 need a visa of their own.
For a resale home in the Balearic Islands, the main cost is the property transfer tax (ITP). It is charged in bands on the purchase price:
| Part of the price | Rate |
|---|---|
| Up to €400,000 | 8% |
| €400,000 to €600,000 | 9% |
| €600,000 to €1,000,000 | 10% |
| €1,000,000 to €2,000,000 | 12% |
| Above €2,000,000 | 13% |
On a €1.5 million home, that is €150,000, or 10% of the price. On a €3 million home it is €340,000. New builds bought from a developer are different: you pay 10% VAT plus stamp duty instead of ITP.
Notary, Land Registry and an independent lawyer typically add 1.5% to 2% together. If you finance part of the purchase, the bank's valuation and fees come on top.
Short holiday lets in Mallorca need a tourist rental licence, and new licences are capped. If rental income matters to you, buy a home that already has a valid licence and have your lawyer confirm it. Rentals of a month or longer do not need one, which is how many owners cover their costs while they are away.
Every home in the Mallorca Collection has a verified file and a lead agent on the island who knows the owner and the house. Morten is your advisor in Miami from the first call to the notary, so you deal with one person you know, in your own time zone.
Next step
One advisor in Miami, a lead agent on the island, and a verified file on every home.
Checked October 2026. General information, not legal or tax advice. Rules change, so confirm your own situation with a qualified adviser.
More insights

What Spain taxes while you own, rent and sell, how the US treats the same income, and which forms American owners file.
Read the guide →
Nonstop and one-stop routes, the best months to come, and what owning a home does and does not change for your stays.
Read the guide →Let's talk
South Florida or Mallorca, buying or selling. Every enquiry gets a personal reply.

Hi. Tell me what you are looking for, in South Florida or in Mallorca, and I will come back to you personally.
Chat on WhatsApp+1 305-582-9199 · ma@mortenaagaardrealtor.com