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14270 SW 74th Ct

Palmetto Bay, FL 33158 · single_family · Pending — under contract · 27 days on market
Asking price$1,595,000
4 beds 2 baths 2,324 sqft
Suggested offer$1,276,384$318,616 above the est. market value of $1,276,384.
View on Realtor.com →
Listed by Adam Levy · Compass Florida, LLC.
Typesingle_family
Built1969
Price / sqft$686
Est. value (own analysis)$1,276,384
Rent estimate (own analysis)$5,600/mo
HOANone
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Neighborhood

Show every detail
Statusfor_sale
Listed date2026-08-06
Removed date—
MLSMiamiMLS #A12062665
Coordinates25.63792, -80.31468
Address14270 SW 74th Ct
CityPalmetto Bay
StateFL
Zip33158
Listing ID5060952903
Sourceus-real-estate-listings, cached 2026-08-31

ZIP market snapshot (33158)

Typical home value (ZHVI)$1,383,443
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$1,595,000
Down payment (20.0%)$319,000
Loan amount$1,276,000
Closing costs (5.0%)$79,750
Total cash to close$398,750
Income
Rent (comp-derived)$5,600$67,200
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$67,200
Vacancy rate (assumption) assumption8.0%

$67,200 × 8.0% = $5,376

Effective gross income$5,152$61,824
Operating expenses
Property tax (placeholder 1.9% of price)$2,525$30,305
Insurance (placeholder 0.8% of price)$1,063$12,760
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$280$3,360
Total operating expenses$3,869$46,425
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$61,824
Total operating expenses derived$46,425

$61,824 − $46,425 = $15,399

Debt service & reserves
Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$1,276,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$1,276,000 amortized at 6.7% over 30 years = $8,200/mo

CapEx reserve (5.0% of GSR)$280$3,360
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)$0$0
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$15,399
Annual debt service derived$98,399
Annual CapEx reserve assumption$3,360
Annual PMI assumption$0

($15,399 − $98,399 − $3,360 − $0) ÷ 12 = -$7,197

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$15,399
Purchase price data$1,595,000

$15,399 ÷ $1,595,000 = 1.0%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$86,360
Total cash to close derived$398,750

-$86,360 ÷ $398,750 = -21.7%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$15,399
Annual debt service derived$98,399

$15,399 ÷ $98,399 = 0.16

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$67,200
Purchase price data$1,595,000

($67,200 ÷ 12) ÷ $1,595,000 = 0.4%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$1,595,000
Gross scheduled rent (annual) comp$67,200

$1,595,000 ÷ $67,200 = 23.7

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$46,425
Effective gross income derived$61,824

$46,425 ÷ $61,824 = 75.1%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$46,425
Annual debt service derived$98,399
Annual PMI assumption$0
Gross scheduled rent (annual) comp$67,200

($46,425 + $98,399 + $0) ÷ $67,200 = 215.5%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family422,427$5,5002026-03-12—
single_family444,229$25,0002026-04-12—
single_family422,192$5,600——

7970 SW 146th St

Palmetto Bay, 33158 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage2,427
Listed2026-03-12
Days on market—

Asking rent: $5,500

View on Zillow →

13689 Deering Bay Dr

Coral Gables, 33158 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage4,229
Listed2026-04-12
Days on market—

Asking rent: $25,000

View on Zillow →

14321 SW 77th Ave

Palmetto Bay, 33158 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage2,192
Listed—
Days on market—

Asking rent: $5,600

View on Zillow →

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.

AddressTypeBedsBathsLiving sqftSale priceSale date
14525 SW 84th Avesingle_family432,552$1,765,0002026-08-28
8240 SW 150th Drsingle_family432,382$1,375,0002026-08-21
13700 SW 78th Plsingle_family422,188$960,0002026-08-18
6370 SW 144th Stsingle_family443,233$2,350,0002026-08-10
13830 SW 79th Ctsingle_family421,842$1,075,0002026-07-30
8241 SW 142nd Stsingle_family422,004$920,0002026-07-06
14700 SW 78th Avesingle_family432,967$1,650,0002026-06-15
8425 SW 149th Drsingle_family432,562$1,390,0002026-06-05
14345 SW 72nd Ctsingle_family454,011$1,745,0002026-05-05
14040 SW 83rd Ctsingle_family443,194$1,300,0002026-05-01
8501 SW 142nd Stsingle_family421,860$982,0002026-04-07
14590 SW 81st Avesingle_family422,367$1,300,0002026-03-19
13820 SW 82nd Avesingle_family432,988$1,250,0002026-03-18
13945 Cartee Rdsingle_family433,066$2,245,0002026-03-13
15021 SW 75th Ctsingle_family432,490$1,240,0002026-03-13
14700 SW 83rd Plsingle_family421,853$1,350,0002026-03-04
7841 SW 141st Stsingle_family422,213$1,320,0002026-02-23
7420 SW 145th Tersingle_family433,150$1,200,0002026-01-28
14901 SW 82nd Avesingle_family433,350$1,185,0002026-01-23
6957 SW 148th Tersingle_family432,394$1,500,0002026-01-20
14270 SW 73rd Avesingle_family442,695$1,875,0002026-01-16
14091 SW 82nd Plsingle_family422,404$1,675,0002025-12-22
13900 SW 72nd Ctsingle_family433,133$1,395,0002025-12-15
6731 SW 138th Stsingle_family442,873$1,880,0002025-11-21
7200 SW 137th Stsingle_family443,332$1,672,5002025-11-21
8350 SW 138th Tersingle_family432,938$1,180,0002025-11-03
14600 SW 75th Avesingle_family432,356$1,500,0002025-10-17
13925 SW 74th Avesingle_family433,153$1,225,0002025-10-06
8260 SW 145th Stsingle_family422,397$1,000,0002025-10-06
7660 SW 144th Stsingle_family432,356$1,650,0002025-10-03
7941 SW 143rd Stsingle_family422,234$1,320,0002025-10-03
8021 SW 140th Tersingle_family442,437$1,750,0002025-09-29
8280 SW 145th Stsingle_family422,285$999,0002025-09-26
14285 SW 72nd Ctsingle_family433,066$1,100,0002025-09-18
15023 SW 74th Plsingle_family432,984$1,250,0002025-09-15
13845 SW 73rd Ctsingle_family432,942$1,975,0002025-09-10
7570 SW 150th Stsingle_family422,482$1,400,0002025-09-09

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.

AddressTypeBedsBathsSqftAsking priceDays on market
8520 SW 151st Stsingle_family432,156$1,570,000—
6561 Marlin Drsingle_family442,504$2,575,000—
14341 SW 78th Ctsingle_family432,364$1,590,000—
7430 SW 142nd Tersingle_family432,491$1,759,000—
14675 SW 78th Avesingle_family432,981$1,950,000—
8405 SW 144th Stsingle_family442,285$1,375,000—
8241 SW 146th Stsingle_family442,858$1,450,000—
13627 Deering Bay Dr Apt 404condos442,740$1,899,000—

10-year hold projection

IRR-4.6%
Equity multiple0.24x
Total return (10yr)-$94,511
YearProperty valueNOICash flowLoan balanceEquity
1$1,642,850$15,399-$86,360$1,262,165$380,685
2$1,692,136$16,093-$85,750$1,247,381$444,755
3$1,742,900$16,814-$85,115$1,231,581$511,319
4$1,795,187$17,562-$84,455$1,214,696$580,491
5$1,849,042$18,339-$83,769$1,196,651$652,391
6$1,904,513$19,145-$83,055$1,177,367$727,146
7$1,961,649$19,982-$82,313$1,156,760$804,889
8$2,020,498$20,851-$81,542$1,134,736$885,762
9$2,081,113$21,752-$80,740$1,111,201$969,912
10$2,143,547$22,688-$79,907$1,086,050$1,057,497
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.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.