Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— About this home
Bayfront Lifestyle at Aria Reserve Move into this spectacular 2-Bed + DEN, 3-BATH residence on the 42nd floor, offering 1,571 sq.ft. of modern luxury and breathtaking panoramic views of Biscayne Bay, the Miami Beach skyline, and the Atlantic Ocean. This ready-for-occupancy home features private elevator entry, 10-foot floor-to-ceiling windows, and an expansive terrace perfect for sunrise views and outdoor living. The DEN offers flexibility as a third bedroom or home office. Every detail has been meticulously curated with high-end custom upgrades throughout. 2 assigned parking spaces and exclusive access to world-class amenities, including: Semi-Olympic pool overlooking the bay, State-of-the-art fitness center & spa, Wine lounge & private tasting room, Tennis and paddle courts and more!!
— Facts & features
Interior
- Closet Cabinetry
- Cooking Island
- Elevator
- Split Bedroom
- Den/Library/Office
Exterior
- Barbeque
- Open Balcony
Appliances
- Dishwasher
- Dryer
- Electric Water Heater
- Refrigerator
Cooling & heating
- Central Air
- Central
Flooring
- Tile
Parking
- 2 Or More Spaces
- Additional Spaces Available
- Valet
Waterfront
- Ocean Front
View
- Bay
- Ocean View
- Skyline
- Water View
Community amenities
- Barbecue
- Child Play Area
- Clubhouse-Clubroom
- Community Room
- Elevator(s)
- Exercise Room
- Heated Pool
- Marina
- Other
- Pool
Security
- Fire Alarm
- Smoke Detector
- Doorman
- Elevator Secure
- Secured Garage/Parking
Maintenance includes
- Building Exterior
- Common Area
- Hot Water
- Pool Service
- Recreation Facilities
- Reserve Fund
- Security
- Sewer
- Trash Removal
Pets
- Restrictions Or Possible Restrictions
Construction & roof
- CBS Construction
— Location
700 NE 24th 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% · $440,000
%
$1,760,000 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
$17,277
Per month, all-in
Monthly breakdown
- Principal & interest$11,70368%
- Property taxes$2,30313%
- Insurance$1,97111%
- HOA$1,3008%
Tax: Miami-Dade County effective rate (1.26%). Source: FL Department of Revenue. Listing tax released — likely a lot-only new-construction assessment.
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
- $514,878
- Income to qualify
- $741,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $141/mo and $50,928 over the life of this loan.
Over the life of the loan
- Total paid
- $4,213,229
- Total interest
- $2,453,229
- Paid off
- 2056
— Preferred lender
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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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