Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— Facts & features
Interior
- Cooking Island
- Family Room
Exterior
- East Of Us1
- Balcony
- Other
Appliances
- Electric Water Heater
- Dishwasher
- Disposal
- Microwave
- Electric Range
- Refrigerator
Cooling & heating
- Ceiling Fan(s)
- Central Air
- Electric
- Central
- Electric
Flooring
- Carpet
Parking
- 1 Space
- Detached
- Garage-Under Building
- Parking Garage
- Parking-Under Building
View
- Ocean
- Direct Ocean
- Ocean View
Community amenities
- Community Pool
- Elevator(s)
- Management On Site
- Pool
- Private Pool
Maintenance includes
- Maintenance Incl Common Area
- Insurance
- Manager
- Sewer
- Trash Removal
- Water
Pets
- No
- Yes
Construction & roof
- Concrete Block Construction
- Other Roof/Roof Structure
- Other
— Assigned schools
Elementary
Beachland
High
Vero Beach
School assignments should be independently verified.
— Location
4049 Ocean Drive, 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% · $119,800
%
$479,200 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
$4,632
Per month, all-in
Monthly breakdown
- Principal & interest$3,18769%
- Property taxes$68415%
- Insurance$2556%
- HOA$50711%
Tax: From listing — annual tax of record.
Insurance: Inland metro — moderate wind exposure, mature market.
Cash & qualification
- Cash at closing
- $141,489
- Income to qualify
- $199,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $39/mo and $13,866 over the life of this loan.
Over the life of the loan
- Total paid
- $1,147,147
- Total interest
- $667,947
- 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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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.