Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
0102
MLS #R10987656··For Sale
65 Palm Avenue, Miami Beach, FL 33139Palm Island, FL
6 Bedrooms7 Bathrooms8,950 sq ft0.39 acres3-car garage
Asking
$14,200,000
— About this home
Palm Island modern, walls of glass, 100' water frontage with private dock. Two-story great room, primary suite with private terrace and morning coffee bar.
— Overview
- Status
- For Sale
- Type
- Single Family Residence
- Bedrooms
- 6
- Bathrooms
- 7
- Living area
- 8,950 sq ft
- Year built
- 2017
- Garage
- 3-car
- MLS
- #R10987656
- Listed
- Mar 8, 2026
- Annual taxes
- $142,000/yr
— Features & Amenities
Highlights
- Pool
- Spa
- Dock
Area & Lot
- Architecture: Modern
- Architecture: Tropical
- View: Bay
— Location
Palm Island65 Palm Avenue, Miami Beach, FL 33139
— 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% · $2,840,000
%
$11,360,000 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
$111,514
Per month, all-in
Monthly breakdown
- Principal & interest$75,54068%
- Property taxes$11,83311%
- Insurance$24,14022%
Tax: From listing — annual tax of record.
Insurance: Barrier island or Florida Keys — Citizens-territory rates apply. Estimate; private-market quotes commonly run 50–100% above this baseline.
Cash & qualification
- Cash at closing
- $3,399,241
- Income to qualify
- $4,780,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $913/mo and $328,718 over the life of this loan.
Over the life of the loan
- Total paid
- $27,194,479
- Total interest
- $15,834,479
- 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.
