Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
— About this home
At the prestigious Reaches on Singer Island, this corner unit captures the essence of luxury coastal living with breathtaking panoramic views and the mesmerizing Bahama blue waters stretching endlessly in every direction. Floor-to-ceiling glass fills the home with natural light, showcasing expansive ocean and coastline vistas from nearly every room. Designed for both elegance and relaxation, the spacious layout offers seamless indoor-outdoor living with oversized balconies perfect for sunrise coffee or sunset entertaining. The Reaches is known for its private beachfront setting, resort-style amenities, and exclusive atmosphere, creating a true sanctuary in the sky. Wake up to the sound of the waves, enjoy endless turquoise horizons, and experience the unparalleled beauty of Island living
— Facts & features
Interior
- Lobby
- Entrance Foyer
- Split Bedroom
Exterior
- East Of Us1
- Barbeque
- Tennis Court(s)
Appliances
- Electric Water Heater
- Dishwasher
- Disposal
- Dryer
- Ice Maker
- Microwave
- Electric Range
- Refrigerator
- Self Cleaning Oven
- Wall Oven
Cooling & heating
- Central Air
- Paddle Fans
- Central
- Electric
Flooring
- Tile
Parking
- 1 Space
- Assigned
- Parking Garage
- No Rv/Boats
Waterfront
- Ocean Access
View
- Ocean
- Direct Ocean
- Water
- Ocean View
Community amenities
- Bar
- Billiard Room
- Barbecue
- Gated
- Community Room
- Community Pool
- Elevator(s)
- Exercise Room
- Storage
- Guard At Gate
Security
- Curr Owner Wind Mit
- Curr Owner Wind Mitig Cert Avail
- Building Security
- Gated with Guard
- Guard At Site
- Private Guards
- Security Guard
- Security Lights
- TV Camera
- TV Monitor
Maintenance includes
- Cable Tv
- Elevator
- Maintenance Incl Common Area
- Insurance
- Legal/Accounting
- Manager
- Parking
- Pool Service
- Recreation Facilities
- Reserve Fund
Pets
- Yes
Construction & roof
- Concrete Block Construction
- Concrete
— Assigned schools
Middle
John F. Kennedy
High
William T Dwyer
School assignments should be independently verified.
— Location
5280 N Ocean Drive, Riviera 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 codePalm Beach
Palm Beach County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $173,000
%
$692,000 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
$7,637
Per month, all-in
Monthly breakdown
- Principal & interest$4,60260%
- Property taxes$1,30417%
- Insurance$7059%
- HOA$1,02713%
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
- $207,445
- Income to qualify
- $328,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $56/mo and $20,024 over the life of this loan.
Over the life of the loan
- Total paid
- $1,656,565
- Total interest
- $964,565
- 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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