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Vera Vita Real Estate

— About this home

Sun-Drenched Waterfront Gem in Manned-Gated Windsor Palms! Welcome home to this exceptional 5-bedroom, 3-bathroom residence flooded with abundant natural light, perfectly positioned on an oversized 11,231 sq. ft. waterfront lot. Featuring soaring volume ceilings, French doors, and an open, airy layout, this home is built for modern living and effortless entertaining. The functional floor plan showcases a private downstairs primary suite complete with a luxury bath featuring two separate showers, alongside a convenient second ground-floor bedroom. Upstairs, you will find three additional spacious bedrooms joined by a functional Jack and Jill bathroom. Step outside to an expansive paver patio overlooking tranquil, wide water views—ideal for relaxing or hosting outdoor gatherings. Complete with a 3-car garage, long paver driveway, pristine curb appeal, and full peace of mind in a 24/7 manned-gated community with low HOA fees. Prime location near I-75, top-rated schools, and premier shopping and dining at Pembroke Gardens.

— Facts & features

Interior

  • First Floor Entry
  • Cooking Island
  • Attic
  • Den/Library/Office
  • Family Room
  • Great Room

Exterior

  • Barbeque
  • Room For Pool

Appliances

  • Dishwasher
  • Disposal
  • Dryer
  • Electric Range
  • Electric Water Heater
  • Microwave
  • Water Purifier
  • Refrigerator
  • Wall Oven
  • Washer

Cooling & heating

  • Central Air
  • Central
  • Electric

Flooring

  • Marble
  • Tile

Parking

  • Additional Spaces Available
  • Covered
  • Driveway

Waterfront

  • WF/No Ocean Access
  • Canal Front
  • Canal Width 1-80 Feet
  • Lake

View

  • Canal
  • Lake

Security

  • Smoke Detector

Maintenance includes

  • Maintenance Incl Trash

Construction & roof

  • CBS Construction
  • Slab Construction
  • Stucco
  • Barrel Roof

— Assigned schools

Elementary

Coral Cove

Middle

Glades

High

Everglades

School assignments should be independently verified.

— Location

3521 SW 146th Ter, Miramar

— Mortgage Estimator

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Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codeBroward
Broward County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $243,480
%
$973,922 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
$7,816
Per month, all-in
83%P&I SHARE
Monthly breakdown
  • Principal & interest$6,47683%
  • Property taxes$6278%
  • Insurance$5697%
  • HOA$1442%

Tax: From listing — annual tax of record.

Insurance: Inland metro — moderate wind exposure, mature market.

Cash & qualification
Cash at closing
$279,432
Income to qualify
$335,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $78/mo and $28,182 over the life of this loan.

Over the life of the loan
Total paid
$2,331,452
Total interest
$1,357,530
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.