Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— About this home
Rare find! Built in 2016, this 3BR/3.5BA townhouse is located in the guard-gated waterfront community of Eastern Shores, one of North Miami’s premier neighborhoods. Features include 11-ft ceilings, floor-to-ceiling windows, bright open living areas, and a private backyard with pool. Gourmet kitchen with granite countertops and breakfast bar. Flexible dining room can serve as 4th bedroom or media room. Upstairs bedrooms are designed for privacy and comfort. Walking distance to Oleta River State Park, minutes from beaches, shopping, and dining. Townhouse blends sleek contemporary design with modern functionality. Schedule your private showing today and experience the prestige, convenience, and comfort this rare gem offers.
— Facts & features
Interior
- First Floor Entry
- Built-in Features
- Walk-In Closet(s)
- Den/Library/Office
- Utility Room/Laundry
Exterior
- East Of Us1
- Barbeque
- Open Balcony
Appliances
- Dishwasher
- Disposal
- Dryer
- Electric Water Heater
- Microwave
- Electric Range
- Refrigerator
- Washer
Cooling & heating
- Ceiling Fan(s)
- Central Air
- Central
Flooring
- Marble
Parking
- 2 Or More Spaces
- Additional Spaces Available
- Covered
- Limited # Of Vehicle
- No Trucks/Trailers
View
- Garden View
- Pool Area View
Community amenities
- Exterior Lighting
- Private Pool
Security
- Smoke Detector
- Secured Garage/Parking
Laundry
- Utility Room/Laundry
Maintenance includes
- Building Exterior
- Common Area
- Insurance
- Landscaping/Lawn Maintenance
Pets
- Dogs OK
Construction & roof
- Concrete Block Construction
— Assigned schools
Elementary
Ojus
Middle
Hidden Oaks
High
Alonzo and Tracy Mourning Sr. High
School assignments should be independently verified.
— Location
3506 NE 166th St, North Miami Beach
— 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% · $235,000
%
$940,000 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
$9,123
Per month, all-in
Monthly breakdown
- Principal & interest$6,25169%
- Property taxes$97011%
- Insurance$1,33215%
- HOA$5706%
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
- $280,871
- Income to qualify
- $391,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $76/mo and $27,200 over the life of this loan.
Over the life of the loan
- Total paid
- $2,250,247
- Total interest
- $1,310,247
- 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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