Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
0102
MLS #A11234568··Under Contract
1410 Sunset Lane, Coral Gables, FL 33156High Pines, FL
5 Bedrooms4.5 Bathrooms5,180 sq ft0.31 acres2-car garage
Asking
$4,250,000
— About this home
Renovated 2021 — Mediterranean classic in High Pines. Designer kitchen, primary suite with spa bath, screened pool patio, deep two-car garage.
— Overview
- Status
- Under Contract
- Type
- Single Family Residence
- Bedrooms
- 5
- Bathrooms
- 4.5
- Living area
- 5,180 sq ft
- Year built
- 1996
- Renovated
- 2021
- Garage
- 2-car
- MLS
- #A11234568
- Listed
- Feb 12, 2026
- Annual taxes
- $42,000/yr
— Features & Amenities
Highlights
- Smart home
- Pool
- Outdoor kitchen
Area & Lot
- Architecture: Mediterranean
- View: Garden
- View: Pool
Interior & Systems
- Heating: Central
- Cooling: Central A/C
— Location
High Pines1410 Sunset Lane, Coral Gables, FL 33156
— 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 codeMiami-Dade
Miami-Dade County (exact match).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $850,000
%
$3,400,000 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
$30,609
Per month, all-in
Monthly breakdown
- Principal & interest$22,60974%
- Property taxes$3,50011%
- Insurance$4,50115%
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
- $990,731
- Income to qualify
- $1,312,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $273/mo and $98,384 over the life of this loan.
Over the life of the loan
- Total paid
- $8,139,193
- Total interest
- $4,739,193
- 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.
