Luxury townhome — 315 Santander Avenue 315 · Coral Gables Crafts · Coral Gables
South Florida Luxury Living
Property Magazine
Your home in print
A magazine dedicated to 315 Santander Avenue 315, Coral Gables, FL 33134
Dedicated to you and your family.
A photo-rich, always-current edition with the home’s details, neighborhood lifestyle, assigned and nearby schools, ownership planning, and applicable waterfront guidance. Sign in or create a free account and the same edition is rewritten around your household — the schools your children would attend, the boat you keep, the routes you actually drive.
Open property magazine$2,650,000
315 Santander Avenue 315, Coral Gables, FL 33134
Coral Gables, FL, 33134
3 bd · 4 ba · 2,560 sqft
Listed by Coldwell Banker Realty
315 Santander Avenue 315, Coral Gables, FL 33134
Listed by Coldwell Banker Realty
Add this home to your tour day
Pick up to 6 homes. Simon confirms times with each listing agent, then sends you the final schedule.
0 of 6 homes in your tour
Know your costs before you buy
Work through three numbers: your estimated monthly payment, the cash needed at closing, and insurance & flood.
Estimated Monthly Payment
20% down · 6.75% interest · 30-year loan · Jumbo loan
Jumbo loan: put down about $1,817,250 or more to stay conforming. What's different?
- A bigger down payment, often 10–20% or more
- A higher credit score, often 700+
- More cash reserves, often 6–12 months of payments
- Full income documentation, sometimes a second appraisal on large loans
Other options: Conforming first mortgage plus a home equity loan for the rest ("piggyback"); Portfolio or private bank loans; Cash. Each lender sets its own rules.
Principal, interest, taxes and insurance, HOA. Property Tax (after sale). Estimated; not a lender quote.
- Principal & interest
- $13,750/mo
- Property tax (after sale) est.
- $3,829/mo
- Insurance included in HOA
- $0/mo
- HOA
- $691/mo
Estimate only, not guaranteed. Verify before you buy or sell.
Cash to close
315 Santander Avenue 315, Coral Gables, FL 33134
Estimated cash to close est.
$562,993.67
Down payment plus Florida taxes, title, lender and prepaid costs.
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Loan amount (calculated): $2,120,000.00Jumbo loan
Above the 2026 $832,750.00 limit, so the daily jumbo rate is used. Put down about $1,817,250.00 or more to stay conforming.
Current site planning rate. Rate does not change the taxes or fees below. Prepaid interest is not included.
Edit closing costs & prepaids
Assumes both policies cover identical land and dates, with loan coverage within owner coverage—even if the seller pays owner title. Minimum lender premium $25. Turn off if not eligible. Endorsement allowance defaults to one $25 endorsement; actual requirements and premiums vary (Florida 69O-186.005).
Appraisal starts at $650. Waterfront and luxury homes may require a higher fee; confirm with your lender.
Tax uses existing ZIP estimates (after sale); insurance uses existing site estimates. Edit with your quote. If HOA insurance is included, confirm separate unit-owner coverage. Missing HOA costs are excluded—not assumed zero.
Estimated cash to close est.
$562,993.67
- Down payment est.
- $530,000.00
- Mortgage note documentary stamps est.
- $7,420.00
- Mortgage intangible tax est.
- $4,240.00
- Lender’s title insurance est.
- $25.00
- Lender title endorsements est.
- $25.00
- Lender fees est.
- $1,500.00
- Appraisal est.
- $650.00
- Owner’s title insurance est.
- $9,200.00
- Title search & examination est.
- $125.00
- Municipal lien search est.
- $150.00
- Settlement / closing fee est.
- $450.00
- County recording (deed) est.
- $30.00
- County recording (mortgage) est.
- $120.00
- Inspection, wind mitigation & 4-point est.
- $900.00
- Survey est.
- $500.00
- Property tax escrow (2 months, after sale) est.
- $7,658.67
- Insurance escrow (2 months) est.
- $0.00
- First-year insurance premium est.
- $0.00
- HOA / condo contribution or transfer est.
- Not provided
Partial estimate: unknown amounts are excluded. Ask Simon to verify them.
Mortgage stamps: $0.35 per $100 or fraction. Intangible tax: 0.2% of loan. Title uses Florida 69O-186.003 base rates. Assumes 2 months of tax/insurance escrow for financed purchases plus first-year insurance; cash purchases have no lender escrow.
Before deposits and credits. Prepaid interest and other contract costs are not included. Discounts and title endorsements must be confirmed by the title company. Title search, municipal lien search, settlement and recording are pass-through title company charges for cash and financed buyers alike; the municipal lien search is priced by each city and can run higher (e.g. Boca Raton $150, Coral Gables $220).
Estimate only. Your lender's Loan Estimate and the title company's closing disclosure are the final numbers. Not financial advice.
Estimate only, not guaranteed. Verify before you buy or sell.
Insurance & flood
- Flood zone (FEMA)
- Not available —
- Homeowners insurance est.
- $0 / month
Source: FEMA National Flood Hazard Layer · Date checked: Nov 4, 2026
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
Flood zone: Not available —
Source: FEMA National Flood Hazard Layer · Date checked: Nov 4, 2026
- Roof type
- Not provided —
- Roof year
- 2020 (assumed from year built)
- Impact windows / doors
- Impact Glass (Complete)
- Shutters
- Not provided —
- Window features
- Blinds
- Year built
- 2020
Homeowners insurance: $0 / month est.
Association insurance is included in the stated HOA fee. Confirm separate unit-owner coverage with an insurance agent.
The FEMA map is a strong indication, not the final answer: your lender orders its own flood zone determination. Cash buyers are not required to carry flood insurance, but on the water it is strongly recommended.
Florida rule: by 2027, Citizens policyholders must carry flood insurance even outside a flood zone, unless the Citizens policy excludes wind coverage. The FEMA map does not show this.
How flood insurance is priced (FEMA Risk Rating 2.0)
Flood insurance is priced home by home, so two neighbors on the same canal can pay very different amounts. Premiums depend on the home's elevation (first-floor height above the expected flood level), distance to water (ocean, Intracoastal, canal or river), the type of flood risk (storm surge, heavy rain or river overflow), the cost to rebuild, the foundation and construction type, and past flood claims on the property.
Federal flood insurance (NFIP) pays at most $250,000 for the building and $100,000 for contents. A luxury waterfront home needs private flood insurance or an "excess flood" policy on top.
Before an offer: pull the official FEMA flood map (FIRMette), ask the seller for an elevation certificate (it largely decides the price), ask whether the seller's existing NFIP policy can be transferred to you (sometimes at a lower rate), and have an insurance agent check prior flood claims (CLUE report). New NFIP policies usually have a 30-day wait before they take effect — don't leave it until the week of closing.
Insurance estimates vary widely. Get a real quote before you make an offer.
Estimate only, not guaranteed. Verify before you buy or sell.
About This Property
Find similar homesLocated in the heart of Coral Gables, this stunning 2-story luxury townhouse in Villa Blanc offers 2,560 SF underair with 3 bedrooms, 3 full bathrooms, and 1 half bath, just steps from The Plaza, Miracle Mile, and Giralda’spremier dining and shopping. The elegant interior showcases high-volume ceilings, marble floors, wide plankbaseboards, recessed lighting, French doors and windows, and an ample entry foyer with a solid wood door. Theopen-concept great room seamlessly connects living and dining spaces to a gourmet kitchen featuring whitequartz countertops, a center island with seating, and premium Thermador appliances. Upstairs offers threebedrooms, a den or office, wood-style tile flooring, and a full laundry room. Outdoors, enjoy a private chlorinatedlap pool with Venetian Grey marble deck, ironwork balconies, and a 1-car garage with storm-rated door. Theexpansive primary suite features two walk-in closets, spa-style bath with frameless marble shower, Roman tub,dual vanities, and private balconies overlooking the pool and entrance. Additional features include dual AC units,ADT security system, and hybrid electric water heater.
Property Details
Dogs
Welcome here
Cats
Welcome here
Your costs (est.)
≈ $18,271/mo
315 Santander Avenue 315, Coral Gables, FL 33134 · Coral Gables
Location
315 Santander Avenue 315, Coral Gables, FL 33134
What buyers ask about this home
What are the estimated monthly carrying costs at 315 Santander Avenue 315, Coral Gables, FL 33134?+
Property tax (after sale): $3,829/month est.; homeowners insurance: $0/month est.; HOA: $691/month. Fixed ownership costs before a mortgage: $4,520/month est. Principal and interest: $13,750/month; PMI: $0/month. Total for the payment scenario shown: $18,271/month est. Flood insurance is not included. Estimate only, not guaranteed. Verify before you buy or sell.
Will property taxes go up after I buy 315 Santander Avenue 315, Coral Gables, FL 33134?+
Usually yes. In Florida the assessed value resets to market value in the year after a sale, so the seller's current tax bill is rarely what a new owner pays. Budget roughly 1.8–2.0% of the purchase price annually until you file for homestead exemption and the Save Our Homes cap (or the 10% non-homestead cap) starts limiting increases.
Does 315 Santander Avenue 315, Coral Gables, FL 33134 need flood insurance, and what drives the premium?+
Most of Coral Gables sits in a FEMA flood zone, and lenders require flood coverage in high-risk zones. Premiums are driven by elevation certificate, flood zone, roof age and shape, and whether the home has impact windows or accordion shutters. Ask for the current declarations page, the four-point inspection and wind mitigation report early — they set your real cost of ownership.
What should I check about the association before buying 315 Santander Avenue 315, Coral Gables, FL 33134?+
For a Florida condo, review the milestone structural inspection and the Structural Integrity Reserve Study, current reserve balances, any pending or recently voted special assessment, the association's insurance and its litigation history. Ask how many units are owner-occupied and whether the lender will approve the building — a poorly funded association is the single biggest hidden cost in a condo purchase.
Can 315 Santander Avenue 315, Coral Gables, FL 33134 be rented out?+
Rental rules are set by the association's documents, not the MLS. Many Coral Gables luxury buildings limit leases to once or twice a year with a minimum term and require board approval and an application fee. Request the declaration and rules before your inspection period ends if rental income matters to your plan.
Is there room to negotiate on 315 Santander Avenue 315, Coral Gables, FL 33134?+
This listing has been on the market 23 days. Leverage comes from days on market, price history, comparable closed sales and the seller's motivation — not from a fixed percentage. I pull the full history and the true comps before we write, so the offer is built on what the property is actually worth today. Call or text (954) 562-1798 for that analysis.
Neighborhood & Commute
Located in Coral Gables, this property offers the South Florida lifestyle — warm-weather living year-round with easy access to the Atlantic coast, A-rated schools, and major business centers.
Approximate Drive Times
Drive times are estimates based on straight-line distance at typical South Florida traffic speeds. Actual times vary with traffic and routing.
Assigned schools for this address
George W. Carver Elementary School
Elementary · 1.1 mi from this home · 238 Grand Ave, Coral Gables
Ponce De Leon Middle School
Middle school · 2.0 mi from this home · 5801 Augusto St, Coral Gables
Coral Gables Senior High School
High school · 0.7 mi from this home · 450 Bird Rd, Coral Gables
Zone boundaries published by Miami-Dade County Public Schools.
Other options for this address
Crystal Academy Primary School Caps Intern
Pre-K & Kindergarten · Private · Grades K–12 · Coral Gables
School assignment is set by the district and can change. Always confirm the zoned school with the district before you buy.
Closed sales in the last 12 months, newest first — townhomes only. Tap a home for its photos and sale facts.
Loading nearby sales…
The home, in a magazine
A closer look at this home and its lifestyle — dedicated to you and your family.
Open the magazine
Simon Gedz
Realtor® since 1995
Interested in this property?
$2,650,000 · MLS A12102780
$2,650,000
315 Santander Avenue 315