7520 SW 164th St
Palmetto Bay, FL 33157 · single_family · For Sale · 64 days on market
Asking price$1,335,000
5 beds 3 baths 2,176 sqft
Suggested offer$971,432$363,568 above the est. market value of $971,432.
View on Realtor.com →Listed by Michael Elbilia · Coldwell Banker Realty
Typesingle_family
Built1971
Price / sqft$614
Est. value (own analysis)$971,432
Rent estimate (own analysis)$4,800/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood8/10severe$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-06-30
Removed date—
MLSMiamiMLS #A12044870
Coordinates25.61830, -80.31529
Address7520 SW 164th St
CityPalmetto Bay
StateFL
Zip33157
Listing ID5106603683
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33157)
Typical home value (ZHVI)$630,585
Typical rent (ZORI)$2,736/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 | $1,335,000 |
| Down payment (20.0%) | $267,000 |
| Loan amount | $1,068,000 |
| Closing costs (5.0%) | $66,750 |
| Total cash to close | $333,750 |
| Income | |
| Rent (comp-derived) | $4,800$57,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,416$52,992 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $2,114$25,365 |
| Insurance (est. scaled by flood & wind risk) | $1,736$20,826 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $240$2,880 |
| Total operating expenses | $4,089$49,071 |
| 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) | $240$2,880 |
| 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 |
|---|---|---|---|---|---|---|---|
| single_family | 5 | 3 | 2,406 | $4,400 | 2026-07-03 | — | |
| single_family | 5 | 4 | 2,216 | $13,800 | 2026-08-27 | — | |
| single_family | 5 | 3 | 2,047 | $4,250 | 2026-07-28 | — | |
| single_family | 5 | 4 | 2,702 | $7,000 | 2026-07-13 | — | |
| single_family | 5 | 3 | 1,864 | $4,800 | 2026-05-28 | — |
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 |
|---|---|---|---|---|---|---|
| 10315 SW 200th St | single_family | 5 | 3 | 2,278 | $550,000 | 2026-08-28 |
| 8298 SW 173rd Ter | single_family | 5 | 5 | 3,047 | $1,680,000 | 2026-08-26 |
| 19711 Whispering Pines Rd | single_family | 5 | 2 | 2,130 | $699,000 | 2026-08-14 |
| 7600 SW 168th St | single_family | 5 | 3 | 2,112 | $1,595,000 | 2026-08-07 |
| 16889 SW 73rd Ct | single_family | 5 | 3 | 3,985 | $2,700,000 | 2026-08-06 |
| 18601 SW 98th Ave | single_family | 5 | 3 | 2,176 | $645,000 | 2026-08-03 |
| 16085 SW 84th Pl | single_family | 5 | 3 | 3,102 | $1,600,000 | 2026-07-30 |
| 7605 SW 160th Ter | single_family | 5 | 3 | 3,248 | $1,400,000 | 2026-07-21 |
| 19528 SW 79th Pl | single_family | 5 | 4 | 3,061 | $850,000 | 2026-07-20 |
| 7613 SW 188th Ter | single_family | 5 | 4 | 4,717 | $1,100,000 | 2026-07-17 |
| 7786 SW 188th Ter | single_family | 5 | 4 | 3,945 | $1,339,000 | 2026-07-13 |
| 17721 SW 75th Ave | single_family | 5 | 3 | 3,610 | $1,650,000 | 2026-07-06 |
| 15210 SW 74th Ct | single_family | 5 | 5 | 3,963 | $1,790,000 | 2026-06-26 |
| 8513 SW 169th Ter | single_family | 5 | 4 | 3,517 | $1,799,000 | 2026-06-26 |
| 8765 SW 175th St | single_family | 5 | 4 | 2,337 | $1,685,000 | 2026-06-23 |
| 16230 SW 89th Ct | single_family | 5 | 4 | 3,209 | $1,476,000 | 2026-06-22 |
| 7944 SW 187th St | single_family | 5 | 3 | 2,935 | $1,185,000 | 2026-06-22 |
| 16723 SW 78th Pl | single_family | 5 | 4 | 3,535 | $1,600,000 | 2026-06-18 |
| 9078 SW 157th St | single_family | 5 | 3 | 3,696 | $400,000 | 2026-06-16 |
| 17914 SW 83rd Ct | single_family | 5 | 4 | 3,375 | $970,000 | 2026-06-16 |
| 19112 SW 95th Ave | single_family | 5 | 3 | 2,047 | $635,000 | 2026-06-15 |
| 7231 SW 174th St | single_family | 5 | 3 | 3,023 | $2,250,000 | 2026-06-15 |
| 16255 SW 82nd Ave | single_family | 5 | 4 | 2,970 | $1,925,000 | 2026-06-12 |
| 7720 SW 176th St | single_family | 5 | 4 | 3,282 | $1,500,000 | 2026-06-12 |
| 9805 Marlin Rd | single_family | 5 | 2 | 1,360 | $600,000 | 2026-06-05 |
| 7521 SW 175th St | single_family | 5 | 4 | 2,722 | $1,175,000 | 2026-06-05 |
| 8561 SW 167th Ter | single_family | 5 | 4 | 3,771 | $1,750,000 | 2026-06-04 |
| 7796 SW 193rd Ln | single_family | 5 | 4 | 3,459 | $900,000 | 2026-06-02 |
| 7996 SW 195th St | single_family | 5 | 5 | 3,982 | $1,085,000 | 2026-06-01 |
| 8255 SW 184th St | single_family | 5 | 6 | 6,122 | $3,175,000 | 2026-05-11 |
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 |
|---|---|---|---|---|---|---|
| 11600 SW 181st Ter | single_family | 5 | 4 | 2,200 | $685,000 | — |
| 10750 SW 173rd St | single_family | 5 | 3 | 2,685 | $699,999 | — |
| 10660 SW 164th St | single_family | 5 | 3 | 2,255 | $730,000 | — |
| 9710 SW 159th St | single_family | 5 | 4 | 2,161 | $700,000 | — |
| 10300 SW 155th St | single_family | 5 | 3 | 1,590 | $760,000 | — |
| 10215 SW 171st St | single_family | 5 | 4 | 2,210 | $600,000 | — |
| 15725 SW 102nd Pl | single_family | 5 | 3 | 2,060 | $699,000 | — |
| 11617 SW 171st St | single_family | 5 | 4 | 1,862 | $650,000 | — |
10-year hold projection
IRR-6.3%
Equity multiple-0.06x
Total return (10yr)-$180,008
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,375,050 | $3,921 | -$81,318 | $1,056,420 | $318,630 |
| 2 | $1,416,302 | $4,284 | -$81,027 | $1,044,046 | $372,256 |
| 3 | $1,458,791 | $4,664 | -$80,721 | $1,030,821 | $427,969 |
| 4 | $1,502,554 | $5,062 | -$80,399 | $1,016,689 | $485,866 |
| 5 | $1,547,631 | $5,478 | -$80,060 | $1,001,585 | $546,046 |
| 6 | $1,594,060 | $5,913 | -$79,705 | $985,445 | $608,615 |
| 7 | $1,641,882 | $6,368 | -$79,331 | $968,196 | $673,685 |
| 8 | $1,691,138 | $6,843 | -$78,939 | $949,763 | $741,375 |
| 9 | $1,741,872 | $7,340 | -$78,528 | $930,064 | $811,808 |
| 10 | $1,794,128 | $7,860 | -$78,096 | $909,012 | $885,116 |
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.