12728 SW 133rd St
Miami, FL 33186 · townhomes · For Sale · 22 days on market
Asking price$515,000
3 beds 3 baths 1,733 sqft
Listed by Li Leigh · Coldwell Banker Realty
Typetownhomes
Built2005
Price / sqft$297
Est. value (own analysis)$543,313
Rent estimate (own analysis)$3,200/mo
HOA$145/mo
Wind10/10Extreme$Heat10/10ExtremeFlood5/10major$Air2/10MinorWildfire2/10Minor
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Statusfor_sale
Listed date2026-08-11
Removed date—
MLSMiamiMLS #A12069292
Coordinates25.64401, -80.39954
Address12728 SW 133rd St
CityMiami
StateFL
Zip33186
Listing ID5051397200
Sourceus-real-estate-listings, cached 2026-09-02
ZIP market snapshot (33186)
Typical home value (ZHVI)$523,583
Typical rent (ZORI)$2,574/mo
Zillow Research's ZHVI (home value index) and ZORI (rent index) for this ZIP, as of 2026-07 — free published data, refreshed monthly, no RentCast quota spent. "Typical value/rent" is a smoothed index, not a literal median of active listings.
Underwriting (buy-and-hold, default assumptions)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $515,000 |
| Down payment (20.0%) | $103,000 |
| Loan amount | $412,000 |
| Closing costs (5.0%) | $25,750 |
| Total cash to close | $128,750 |
| Income | |
| Rent (comp-derived) | $3,200$38,400 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,944$35,328 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $815$9,785 |
| Insurance (est. scaled by flood & wind risk) | $601$7,210 |
| HOA dues | $145$1,740 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $160$1,920 |
| Total operating expenses | $1,721$20,655 |
| Net operating income (NOI) | |
| Debt service & reserves | |
| Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing) | |
| CapEx reserve (5.0% of GSR) | $160$1,920 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Cap rate
Cash-on-cash
DSCR
Rent-to-price (1% rule)
Gross rent multiplier
Operating expense ratio
Break-even occupancy
Comparables
Same ZIP. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| townhomes | 3 | 3 | 1,214 | $2,900 | 2026-08-20 | — | |
| townhomes | 3 | 3 | 1,678 | $3,500 | 2026-08-19 | — | |
| townhomes | 3 | 3 | 1,758 | $3,200 | 2026-08-19 | — | |
| townhomes | 3 | 2 | 1,225 | $3,200 | 2026-08-18 | — | |
| townhomes | 3 | 2 | 1,225 | $2,975 | 2026-08-17 | — | |
| townhomes | 3 | 3 | 1,466 | $3,200 | 2026-08-12 | — | |
| townhomes | 3 | 3 | 1,300 | $2,600 | 2026-08-11 | — | |
| townhomes | 3 | 2 | 1,392 | $3,000 | 2026-08-10 | — | |
| townhomes | 3 | 2 | 1,225 | $2,900 | 2026-08-09 | — | |
| townhomes | 3 | 3 | 1,602 | $3,400 | 2026-08-08 | — | |
| townhomes | 3 | 2 | 1,209 | $2,850 | 2026-08-06 | — | |
| townhomes | 3 | 3 | 1,382 | $3,350 | 2026-08-06 | — | |
| townhomes | 3 | 3 | 1,588 | $3,400 | 2026-08-06 | — | |
| townhomes | 3 | 3 | 1,150 | $2,500 | 2026-07-22 | — | |
| townhomes | 3 | 3 | 1,678 | $3,500 | 2026-07-16 | — | |
| townhomes | 3 | 3 | 1,678 | $3,500 | 2026-07-16 | — | |
| townhomes | 3 | 3 | 1,834 | $3,500 | 2026-06-28 | — | |
| townhomes | 3 | 3 | 1,746 | $3,300 | 2026-06-22 | — | |
| townhomes | 3 | 3 | 1,150 | $2,500 | 2026-06-21 | — | |
| townhomes | 3 | 3 | 1,780 | $3,450 | 2026-05-28 | — | |
| townhomes | 3 | 2 | 1,546 | $3,200 | 2026-05-14 | — | |
| townhomes | 3 | 3 | 1,452 | $3,000 | 2026-05-12 | — | |
| townhomes | 3 | 3 | 1,452 | $3,000 | 2026-08-04 | — | |
| townhomes | 3 | 3 | 1,150 | $2,450 | 2026-08-04 | — | |
| townhomes | 3 | 3 | 1,466 | $3,350 | 2026-08-04 | — | |
| townhomes | 3 | 2 | 1,592 | $2,950 | 2026-08-03 | — | |
| townhomes | 3 | 3 | 1,150 | $3,200 | 2026-08-24 | — | |
| townhomes | 3 | 3 | 1,150 | $2,550 | 2026-07-22 | — | |
| townhomes | 3 | 3 | 1,908 | $3,300 | 2026-08-29 | — | |
| townhomes | 3 | 2 | 1,446 | $3,300 | 2026-08-31 | — | |
| townhomes | 3 | 2 | 1,611 | $2,900 | 2026-09-01 | — | |
| townhomes | 3 | 3 | 1,150 | $2,550 | 2026-08-31 | — |
Same ZIP & bedroom count. Closed sales from Realtor.com over the last 12 months, matched to this property's type — real transaction prices, not asking prices. Falls back to Miami-Dade County public records (property appraiser tax roll) when Realtor.com has no sales on file for the area.
| Address | Type | Beds | Baths | Living sqft | Sale price | Sale date |
|---|---|---|---|---|---|---|
| 12354 SW 124th Path | townhomes | 3 | 3 | 1,452 | $510,000 | 2026-08-31 |
| 14213 SW 94th Cir Ln Unit 104-8 | townhomes | 3 | 3 | 1,462 | $390,000 | 2026-08-28 |
| 12857 SW 134th St | townhomes | 3 | 3 | 1,670 | $510,000 | 2026-08-27 |
| 14709 SW 117th Ave | townhomes | 3 | 2 | 1,400 | $425,000 | 2026-08-25 |
| 12819 SW 133rd St | townhomes | 3 | 3 | 1,758 | $520,000 | 2026-08-24 |
| 13257 SW 142nd Ter | townhomes | 3 | 3 | 1,547 | $550,000 | 2026-08-19 |
| 12439 SW 125th St Unit 12439 | townhomes | 3 | 3 | 1,602 | $515,000 | 2026-08-19 |
| 10210 SW 137th Ct | townhomes | 3 | 2 | 1,668 | $520,000 | 2026-08-18 |
| 11126 SW 134th Pl | townhomes | 3 | 2 | 1,327 | $450,000 | 2026-08-17 |
| 12454 SW 123rd St | townhomes | 3 | 3 | 1,602 | $499,000 | 2026-08-13 |
| 14613 SW 117th Ave | townhomes | 3 | 2 | — | $440,000 | 2026-08-12 |
| 13702 SW 101st Ter | townhomes | 3 | 2 | 1,491 | $465,000 | 2026-08-11 |
| 13724 SW 115th Ln | townhomes | 3 | 3 | 1,728 | $480,000 | 2026-08-10 |
| 12984 SW 134th Ter | townhomes | 3 | 2 | 1,670 | $196,000 | 2026-08-10 |
| 12230 SW 123rd Pass | townhomes | 3 | 3 | 1,793 | $517,000 | 2026-08-07 |
| 12216 SW 110th Ln | townhomes | 3 | 1 | 1,050 | $409,000 | 2026-08-06 |
| 12751 SW 133rd St | townhomes | 3 | 3 | 1,670 | $520,000 | 2026-08-04 |
| 12364 SW 94th Ter | townhomes | 3 | 3 | 1,484 | $495,000 | 2026-08-03 |
| 11741 SW 122nd Ct | townhomes | 3 | 2 | 1,225 | $365,000 | 2026-07-30 |
| 12371 SW 94th Ln | townhomes | 3 | 2 | 1,250 | $493,000 | 2026-07-30 |
| 12345 SW 94th Ter | townhomes | 3 | 3 | 1,671 | $475,000 | 2026-07-28 |
| 11765 SW 91st Ter | townhomes | 3 | 2 | 1,588 | $635,000 | 2026-07-22 |
| 11751 SW 137th Pl | townhomes | 3 | 2 | 1,929 | $570,000 | 2026-07-22 |
| 11760 SW 103rd Ln | townhomes | 3 | 3 | 1,344 | $535,000 | 2026-07-22 |
| 13741 SW 118th Ter | townhomes | 3 | 2 | 1,929 | $570,000 | 2026-07-21 |
| 12530 SW 94th Ln | townhomes | 3 | 3 | 1,614 | $510,000 | 2026-07-16 |
| 12104 SW 110th Street Cir S | townhomes | 3 | 2 | 1,104 | $489,000 | 2026-07-15 |
| 12826 SW 134th St | townhomes | 3 | 2 | 1,564 | $490,000 | 2026-07-09 |
| 13860 SW 102nd Ter | townhomes | 3 | 2 | 1,401 | $518,000 | 2026-07-08 |
| 14551 SW 142nd Court Cir | townhomes | 3 | 3 | 1,546 | $485,000 | 2026-07-07 |
| 11310 SW 122nd Pl Unit 11310 | townhomes | 3 | 2 | 1,104 | $434,500 | 2026-07-07 |
| 12837 SW 132nd Ter | townhomes | 3 | 2 | 1,564 | $390,000 | 2026-07-07 |
| 12785 SW 131st Ter | townhomes | 3 | 3 | 1,660 | $520,000 | 2026-07-02 |
| 10045 SW 137 Ct Unit 10045 | townhomes | 3 | 3 | 1,488 | $545,000 | 2026-06-22 |
| 12523 SW 121st Way | townhomes | 3 | 3 | 1,452 | $512,000 | 2026-06-16 |
| 9434 SW 123rd Avenue Ct | townhomes | 3 | 3 | 1,671 | $485,000 | 2026-06-15 |
| 10335 SW 137th Ct | townhomes | 3 | 3 | 1,819 | $565,000 | 2026-06-15 |
| 12566 SW 126th Ave | townhomes | 3 | 3 | 1,602 | $500,000 | 2026-06-12 |
| 11864 SW 97th Ter | townhomes | 3 | 2 | 1,382 | $475,000 | 2026-06-11 |
| 11906 SW 110th Street Cir E | townhomes | 3 | 2 | 1,225 | $469,999 | 2026-06-10 |
| 12542 SW 126th Ave | townhomes | 3 | 2 | 1,452 | $545,000 | 2026-06-05 |
| 11758 SW 92nd Ter | townhomes | 3 | 3 | 1,721 | $610,000 | 2026-06-04 |
| 12702 SW 151st Ln | townhomes | 3 | 2 | 1,190 | $450,000 | 2026-06-04 |
Same ZIP. Other properties currently for sale nearby — asking prices, not closed sale prices. Not a price comp; see Sold comps for actual transaction history.
| Address | Type | Beds | Baths | Sqft | Asking price | Days on market |
|---|---|---|---|---|---|---|
| 14512 SW 139th Avenue Cir W | single_family | 3 | 2 | 1,796 | $559,900 | — |
| 12354 SW 124th Path | townhomes | 3 | 3 | 1,452 | $520,000 | — |
| 10315 SW 129th Ct | single_family | 3 | 3 | 2,017 | $875,000 | — |
| 10240 SW 137th Ct | townhomes | 3 | 2 | 1,097 | $498,000 | — |
| 12244 SW 123rd Pl | townhomes | 3 | 3 | 1,968 | $580,000 | — |
| 14255 SW 96th Ter | townhomes | 3 | 3 | 1,834 | $599,000 | — |
| 12916 SW 150th Ter | single_family | 3 | 2 | 1,293 | $595,000 | — |
| 13045 SW 88th Ln Unit 104A | condos | 3 | 2 | 1,233 | $320,000 | — |
10-year hold projection
IRR0.3%
Equity multiple1.04x
Total return (10yr)$72,814
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $530,450 | $14,673 | -$19,018 | $407,533 | $122,917 |
| 2 | $546,364 | $15,216 | -$18,523 | $402,759 | $143,604 |
| 3 | $562,754 | $15,779 | -$18,010 | $397,658 | $165,097 |
| 4 | $579,637 | $16,361 | -$17,478 | $392,206 | $187,431 |
| 5 | $597,026 | $16,963 | -$16,928 | $386,380 | $210,646 |
| 6 | $614,937 | $17,586 | -$16,358 | $380,153 | $234,784 |
| 7 | $633,385 | $18,230 | -$15,768 | $373,500 | $259,886 |
| 8 | $652,387 | $18,897 | -$15,157 | $366,389 | $285,998 |
| 9 | $671,958 | $19,586 | -$14,524 | $358,790 | $313,169 |
| 10 | $692,117 | $20,300 | -$13,869 | $350,669 | $341,448 |
Assumes 3.0% annual rent growth, 2.5% expense growth, 3.0% appreciation, and a 6.0% selling cost at exit — all placeholder assumptions, not market-derived.