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Vera Vita Real Estate

— About this home

Great opportunity in Palmetto Bay to own a spacious 4-bedroom, 3-bath single-family home with incredible potential! Situated on a desirable corner lot with a huge yard, this property offers the space and possibilities to create your dream home. The home features a roof approximately 4 years old and a large chef-style kitchen, perfect for cooking and entertaining. While the property is ready for updating and your personal touch, it offers an excellent layout and tremendous potential. Bring your vision and transform this property into the spectacular home you’ve been looking for!

— Facts & features

Interior

  • First Floor Entry
  • Family Room
  • Florida Room

Appliances

  • Dryer
  • Gas Range
  • Refrigerator
  • Washer

Cooling & heating

  • Central Air
  • Central

Flooring

  • Ceramic Floor
  • Parquet

Parking

  • Driveway

View

  • None

Construction & roof

  • Concrete Block Construction
  • Shingle

— Assigned schools

Elementary

Coral Reef

Middle

Southwood

High

Miami Palmetto

School assignments should be independently verified.

— Location

15190 Old Cutler Rd, Palmetto Bay

— Mortgage Estimator

Estimate your monthly cost.

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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% · $279,800
%
$1,119,200 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
$9,279
Per month, all-in
80%P&I SHARE
Monthly breakdown
  • Principal & interest$7,44280%
  • Property taxes$5836%
  • Insurance$1,25414%

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
$326,630
Income to qualify
$398,000/yr
Credit-score impact

Improving from 740-759 to 760+ would save $90/mo and $32,386 over the life of this loan.

Over the life of the loan
Total paid
$2,679,231
Total interest
$1,560,031
Paid off
2056
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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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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.