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Vera Vita Real Estate

— About this home

Indulge in the pinnacle of modern living in one of only 8 exclusive single-family villas at The Ritz-Carlton Residences. Designed by renowned architect Piero Lissoni, this 2-story, 5,000-SF estate offers 4 BR,4.5 BA & 55’ of WF, private dock w/ Biscayne Bay & Atlantic Ocean access & a heated lap pool, creating a sanctuary of tranquility & elegance. Sophisticated interiors feature Venetian plaster walls, white oak floors & custom stone finishes. Boffi kitchen equipped w/ Gaggenau appliances, blends beauty & functionality for effortless entertaining. Luxuriate in the serene primary suite w/ dual walk-in closets, private balcony & a spa-inspired Boffi bathroom. Rare opportunity to enjoy the privacy of a villa w/ the world-class amenities, services, & luxurious lifestyle of The Ritz-Carlton

— Facts & features

Interior

  • First Floor Entry
  • Other

Exterior

  • Lighting
  • Other

Appliances

  • Dishwasher
  • Disposal
  • Dryer
  • Microwave
  • Gas Range

Cooling & heating

  • Central Air
  • Central

Flooring

  • Marble
  • Wood

Parking

  • Driveway

Waterfront

  • Ocean Access
  • Ocean Front

View

  • Direct Ocean

Construction & roof

  • CBS Construction
  • Flat Roof With Facade Front

— Location

1041 W 48th St, Miami Beach

— Mortgage Estimator

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Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codeMiami-Dade
Miami-Dade County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $1,999,000
%
$7,996,000 financed· Jumbo loan
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Loan exceeds the conforming limit. Jumbo rates from portfolio lenders typically run 0.25–0.75% below the 30-yr fixed shown here.
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances — optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
— Estimated monthly
$87,542
Per month, all-in
61%P&I SHARE
Monthly breakdown
  • Principal & interest$53,17161%
  • Property taxes$8,81910%
  • Insurance$16,99219%
  • HOA$8,56110%

Tax: From listing — annual tax of record.

Insurance: Barrier island or Florida Keys — Citizens-territory rates apply. Estimate; private-market quotes commonly run 50–100% above this baseline.

Cash & qualification
Cash at closing
$2,405,957
Income to qualify
$3,752,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $643/mo and $231,376 over the life of this loan.

Over the life of the loan
Total paid
$19,141,466
Total interest
$11,145,466
Paid off
2056
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The data relating to real estate for sale on this web site comes in part from the participants of the Miami Association of REALTORS® IDX program. Information is deemed reliable but not guaranteed. Listings displayed may not reflect all real estate activity in the market. Copyright © 2026 Miami Association of REALTORS®. All rights reserved.