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About this home

Your “home in the sky” in the exclusive, guard-gated community of Deering Bay. Perfectly positioned in the coveted Milano Building 02 line, this residence showcases views of the city skyline, golf course and resort-style pool. This light-filled, impeccably maintained home offers three spacious ensuite bedrooms plus a guest bath, elegant marble floors in the main living areas and carpeting in the bedrooms, a private elevator entry foyer and soaring 10-foot ceilings that enhance the sense of space and luxury. The beautifully appointed granite kitchen with center island and Thermador appliances flows seamlessly into expansive living and dining areas, ideal for both everyday living and sophisticated entertaining. Recent upgrades include new hurricane IMPACT DOORS (2024) and impact windows, providing both style and peace of mind. Milano Deering Bay, delivers a refined lifestyle with a gracious lobby, social room, resort-style pool and BBQ area, fitness center and hotel-style guest suite. Two assigned parking spaces (#34 & #35), golf cart space (#10) and storage unit (#25) included. Boat slip available separately; owner will assist. Quarterly fees: Milano $8,589.91 and Master Association $781.19. Assessment information available upon request.

Facts & features

Interior

  • Lobby
  • First Floor Entry
  • Built-in Features
  • Closet Cabinetry
  • Cooking Island
  • Fire Sprinklers
  • Entrance Foyer
  • Split Bedroom
  • Den/Library/Office
  • Family Room

Exterior

  • East Of Us1
  • On Golf Course
  • Barbeque

Appliances

  • Dishwasher
  • Disposal
  • Dryer
  • Ice Maker
  • Microwave
  • Other Equipment/Appliances
  • Refrigerator
  • Self Cleaning Oven
  • Wall Oven
  • Washer

Cooling & heating

  • Ceiling Fan(s)
  • Central Air
  • Central
  • Other

Flooring

  • Carpet
  • Marble

Parking

  • 2 Or More Spaces
  • Assigned
  • No Rv/Boats
  • No Trucks/Trailers

View

  • Golf View
  • Pool Area View
  • Skyline

Community amenities

  • Barbecue
  • Bike Storage
  • Bike/Jog Path
  • Clubhouse-Clubroom
  • Elevator(s)
  • Exercise Room
  • Golf Purchase Required
  • Heated Pool
  • Marina
  • Other Membership Available

Security

  • Fire Sprinklers
  • Fire Alarm
  • Smoke Detector
  • Guard At Site
  • Lobby Secured
  • Other

Laundry

  • Utility Room/Laundry

Maintenance includes

  • All Amenities
  • Building Exterior
  • Common Area
  • Elevator
  • Insurance
  • Landscaping/Lawn Maintenance
  • Manager
  • Outside Maintenance
  • Pool Service
  • Reserve Fund

Pets

  • Yes

Construction & roof

  • CBS Construction
  • Other

Location

13621 Deering Bay Dr, Coral Gables

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% · $459,800
%
$1,839,200 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
$18,588
Per month, all-in
66%P&I SHARE
Monthly breakdown
  • Principal & interest$12,23066%
  • Property taxes$1,4358%
  • Insurance$2,06011%
  • HOA$2,86315%

Tax: From listing — annual tax of record.

Insurance: Direct coastal exposure — Florida hurricane corridor. Estimate; actual quote can be 30–50% higher on older homes or homes without wind mitigation.

Cash & qualification
Cash at closing
$536,307
Income to qualify
$797,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $148/mo and $53,220 over the life of this loan.

Over the life of the loan
Total paid
$4,402,825
Total interest
$2,563,625
Paid off
2056
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