Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— About this home
Bright and spacious 23rd-floor residence at Brickell on the River North featuring west-facing views of the Miami River, Miami skyline, and sunsets from the private balcony. This 1-bedroom, 1-bath unit offers a functional layout with a spacious kitchen, full-size appliances, generous cabinet storage, ceramic tile flooring throughout, in-unit washer and dryer, and a large walk-in closet. Recent upgrades include a new A/C (2025) and new dishwasher (2025). The unit includes an assigned covered parking space and private storage unit. Building amenities include two swimming pools, fitness center, spa, BBQ area, 24-hour valet, attended lobby, and EV charging stations. Located steps from Brickell City Centre, dining, shopping, entertainment, MetroMover, and Metrorail. Vacant and easy to show.
— Facts & features
Interior
- No Interior Features
Exterior
- Open Balcony
Appliances
- Dishwasher
- Dryer
- Electric Water Heater
- Microwave
- Electric Range
- Refrigerator
- Washer
Cooling & heating
- Central Air
- Heat Pump/Reverse Cycle
Flooring
- Ceramic Floor
Parking
- 1 Space
- Assigned
- Covered
- Electric Vehicle Charging Station(s)
Waterfront
- River
View
- River
- Skyline
Community amenities
- Barbecue
- Bike Storage
- Clubhouse-Clubroom
- Elevator(s)
- Exercise Room
- Spa/Hot Tub
Security
- Doorman
- Elevator Secure
- Card Entry
- Secured Garage/Parking
Maintenance includes
- Sewer
- Trash Removal
- Water
Pets
- Restrictions Or Possible Restrictions
Construction & roof
- Concrete Block Construction
— Assigned schools
Elementary
Southside
Middle
Shenandoah
School assignments should be independently verified.
— Location
31 SE 5th St, 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% · $85,800
%
$343,200 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
$4,052
Per month, all-in
Monthly breakdown
- Principal & interest$2,28256%
- Property taxes$56114%
- Insurance$3499%
- HOA$86021%
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
- $105,433
- Income to qualify
- $174,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $27/mo and $9,931 over the life of this loan.
Over the life of the loan
- Total paid
- $821,580
- Total interest
- $478,380
- 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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