Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— About this home
SOME HOMES SIMPLY EXCEED EXPECTATIONS. Premium builder upgrades and curated post-construction enhancements blend coastal elegance w/a relaxed, inviting atmosphere. 3BR split fl-plan, 2.5BA, 2CG. Nearly 2,900 gross sf. BUILDER UPGRADES: TROPICAL PRESERVE HOMESITE, ARCHITECTURAL ROOFLINE EXTENSION creating larger covered screened lanai, 2ND SET of TRIPLE SLIDERS for near wall-to-wall preserve views, IMPACT WINDOWS/DOORS, Level 4 cabinetry thru-out, Level 5 kitchen Calacatta Gold quartz C/Ts, and Level 3 porcelain tile floor thru-out+. POST-CONSTRUCTION: TWO CUSTOM PANTRIES, PLANTATION SHUTTERS, MOTORIZED SHADES, DESIGNER LIGHTING + more. RESORT-STYLE AMENITIES. Mins to BEACHES, shops, dining, golf, Cleveland Clinic+. Enjoy the rewards of refined design and enduring quality. MUST SEE VIDEO!!
— Facts & features
Interior
- Lobby
- Cooking Island
- Entrance Foyer
- Pantry
- Split Bedroom
- Volume Ceilings
- Walk-In Closet(s)
- Foyer
- Other
- Utility Room/Laundry
Appliances
- Electric Water Heater
- Dishwasher
- Disposal
- Microwave
- Refrigerator
- Self Cleaning Oven
- Wall Oven
Cooling & heating
- Ceiling Fan(s)
- Central Air
- Electric
- Central
- Electric
Flooring
- Tile
Parking
- 2 Or More Spaces
- Driveway
- Parking Garage
Community amenities
- Gated
- Clubhouse
- Clubhouse-Clubroom
- Community Pool
- Exercise Room
- Management On Site
- Pool
- Private Pool
- Security Patrol
- Tennis Court(s)
Security
- Smoke Alarm
- Smoke Detector(s)
- Smoke Detector
Laundry
- Laundry Room
- Utility Room/Laundry
- Washer Hookup
Maintenance includes
- Maintenance Incl Common Area
- Manager
- Parking
- Recreation Facilities
- Security
Pets
- Yes
Construction & roof
- CBS Construction
- Barrel
- Tile
- Barrel Roof
- Tile Roof
— Assigned schools
Elementary
Dodgertown
Middle
Storm Grove
High
Sebastian River
School assignments should be independently verified.
— Location
3862 White Alder Way, Vero 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 codeOrange
Orange County (approximate from ZIP prefix).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $132,222
%
$528,889 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
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
$4,676
Per month, all-in
Monthly breakdown
- Principal & interest$3,51775%
- Property taxes$4299%
- Insurance$2816%
- HOA$44910%
Tax: From listing — annual tax of record.
Insurance: Inland metro — moderate wind exposure, mature market.
Cash & qualification
- Cash at closing
- $154,566
- Income to qualify
- $201,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $43/mo and $15,305 over the life of this loan.
Over the life of the loan
- Total paid
- $1,266,096
- Total interest
- $737,208
- 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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