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Vera Vita Real Estate

— About this home

Beautifully remodeled 2 BR / 2.5 BA townhouse in the heart of Key Biscayne, a rare opportunity as townhomes like this seldom come to the market. Enjoy the privacy and convenience of townhouse living with no elevators or high-rise lifestyle. Features modern appliances, wood floors, and a spacious private patio overlooking the pool with lush tropical landscaping and space for a BBQ. Includes private beach access and is walking distance to restaurants, supermarket, schools, beach and the Ritz-Carlton. Community improvements underway include clubhouse, pool, tennis, and pickleball court renovations. New roof and updated electrical panel. Low HOA. Great potential for investors due to strong rental demand. Furniture negotiable.

— Facts & features

Interior

  • Built-in Features

Exterior

  • Other
  • Open Balcony

Appliances

  • Dryer
  • Microwave
  • Electric Range
  • Washer

Cooling & heating

  • Central Air
  • Central

Flooring

  • Ceramic Floor
  • Wood

Parking

  • 1 Space

View

  • Garden View
  • Pool Area View

Community amenities

  • Clubhouse-Clubroom
  • Community Room
  • Pool
  • Tennis Court(s)

Security

  • No Security

Maintenance includes

  • Other Maintenance Includes

Pets

  • Restrictions Or Possible Restrictions

Construction & roof

  • Concrete Block Construction

— Assigned schools

Elementary

Keybiscayne

Middle

Ponce De Leon

High

Coral Gables

School assignments should be independently verified.

— Location

232 Sea View Dr, Key Biscayne

— 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% · $296,000
%
$1,184,000 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
$10,769
Per month, all-in
73%P&I SHARE
Monthly breakdown
  • Principal & interest$7,87373%
  • Property taxes$1,05010%
  • Insurance$1,84517%

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
$352,643
Income to qualify
$462,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $95/mo and $34,261 over the life of this loan.

Over the life of the loan
Total paid
$2,834,354
Total interest
$1,650,354
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.