Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— About this home
Beautifully distributed 3-bedroom, 2-bath home with a fenced backyard and driveway for two cars plus guest parking. The kitchen was fully remodeled 4 years ago and features quartz countertops, wood cabinets, and stainless steel appliances. Tile flooring throughout the home. The A/C and water heater are both Rheem. The A/C is 6 years old, the roof was replaced 6 years ago, and the water heater was replaced 1 year ago. The primary bathroom features a shower and the second bathroom includes a tub. Motivated seller! Strategically located just minutes from Florida's Turnpike, U.S. Route 1, shopping, dining, and Zoo Miami.
— Facts & features
Interior
- First Floor Entry
- No Additional Rooms
Appliances
- Dishwasher
- Disposal
- Dryer
- Electric Water Heater
- Microwave
- Gas Range
- Refrigerator
- Washer
Cooling & heating
- Central Air
- Central
Flooring
- Ceramic Floor
Parking
- Driveway
- Paver Block
- No Trucks/Trailers
View
- None
Security
- Smoke Detector
Pets
- Yes
Construction & roof
- CBS Construction
- Shingle
— Assigned schools
Elementary
Floyd; Gloria
Middle
Richmond Heights
High
Miami Southridge
School assignments should be independently verified.
— Location
14566 SW 124th Pl, Miami
— Mortgage Estimator
Estimate your monthly cost.
For a personalized quote or pre-approval, we'll connect you with one of our trusted lending partners.
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% · $107,980
%
$431,920 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
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
$3,777
Per month, all-in
Monthly breakdown
- Principal & interest$2,87276%
- Property taxes$56515%
- Insurance$2296%
- HOA$1103%
Tax: Miami-Dade County effective rate (1.26%). Source: FL Department of Revenue. Listing tax released — likely a lot-only new-construction assessment.
Insurance: Inland metro — moderate wind exposure, mature market.
Cash & qualification
- Cash at closing
- $127,509
- Income to qualify
- $162,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $35/mo and $12,499 over the life of this loan.
Over the life of the loan
- Total paid
- $1,033,965
- Total interest
- $602,045
- Paid off
- 2056
— Preferred lender
Talk numbers with someone who knows the market.
Vera Vita is not a lender and does not earn a referral fee on lender introductions. Rates, terms, and approval remain between you and your lender of choice.
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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.