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Vera Vita Real Estate

— About this home

Bay access in seconds, this is the waterfront location you have been waiting for. One turn to direct bay in prestigious 24Hr guard-gated Keystone Point! This beautifully remodeled 3 bed, 3 bath pool home offers seventy-five feet of waterfront with a boat lift and some of the easiest bay access in the area, no fixed bridges to slow you down. 100ft wide canal makes turning a large vessel a breeze! Thoughtfully updated throughout, it features New Metal Roof, a new kitchen, renovated baths, updated flooring and lighting, impact windows, and a new driveway. The spacious open concept living and dining areas are filled with natural light. Perfect for everyday living or hosting. Boasting 3400Sf under roof. The generous primary suite overlooks the pool and water, complete with a large walk-in closet. Step outside to enjoy the beautiful pool and jacuzzi and seamless indoor-outdoor living, surrounded by serene water views. Just minutes to Bal Harbour, the beach, Whole Foods, and top dining with quick access to I-95. This exceptional home blends modern updates, unbeatable boating, and one of Keystone Point’s most desirable waterfront locations.

— Facts & features

Interior

  • First Floor Entry
  • Walk-In Closet(s)
  • Utility Room/Laundry

Exterior

  • Lighting
  • Fruit Trees

Appliances

  • Dishwasher
  • Electric Range
  • Microwave
  • Refrigerator
  • Wall Oven

Cooling & heating

  • Central Air
  • Electric
  • Central
  • Electric

Parking

  • Circular Driveway
  • Slab/Strip

Waterfront

  • Ocean Access
  • Canal Front
  • No Fixed Bridges

View

  • Pool
  • Water

Laundry

  • Utility Room/Laundry
  • Washer/Dryer Hook-Up

Construction & roof

  • CBS Construction
  • Metal Roof

— Assigned schools

Elementary

David Lawrence Jr K-8

Middle

North Miami

High

Alonzo and Tracy Mourning Sr. High

School assignments should be independently verified.

— Location

12810 Cyprus Rd, North Miami

— 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% · $700,000
%
$2,800,000 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
$25,316
Per month, all-in
74%P&I SHARE
Monthly breakdown
  • Principal & interest$18,61974%
  • Property taxes$3,56114%
  • Insurance$3,13612%

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
$812,390
Income to qualify
$1,085,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $225/mo and $81,023 over the life of this loan.

Over the life of the loan
Total paid
$6,702,865
Total interest
$3,902,865
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.