Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
MLS #A11234570
780 Dilido Drive, Miami Beach, FL 33139Di Lido Island, FL
7 Bedrooms8 Bathrooms11,200 sq ft0.44 acres4-car garage
1view
Asking
$18,500,000
— About this home
New construction Di Lido — coming soon. 100 feet of prime water frontage. Listings premieres on opening day.
— Overview
- Type
- Single Family Residence
- Bedrooms
- 7
- Bathrooms
- 8
- Living area
- 11,200 sq ft
- Year built
- 2024
- Garage
- 4-car
- MLS
- #A11234570
- Listed
- May 5, 2026
— Features & Amenities
Highlights
- Smart home
- Wine cellar
- Home theater
- Elevator
- Pool
- Spa
- Dock
Area & Lot
- Architecture: Modern
- View: Bay
- View: Skyline
— Location
Di Lido Island780 Dilido Drive, 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% · $3,700,000
%
$14,800,000 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
$149,228
Per month, all-in
Monthly breakdown
- Principal & interest$98,41566%
- Property taxes$19,36313%
- Insurance$31,45021%
Tax: Miami-Dade County effective rate (1.26%). Source: FL Department of Revenue.
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
- $4,437,060
- Income to qualify
- $6,396,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $1,190/mo and $428,260 over the life of this loan.
Over the life of the loan
- Total paid
- $35,429,427
- Total interest
- $20,629,427
- 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.
