22470 SW 103rd Ave
Cutler Bay, FL 33190 · single_family · For Sale · 34 days on market
Asking price$550,000
3 beds 2 baths 1,480 sqft
Suggested offer$482,761$67,239 above the est. market value of $482,761.
View on Realtor.com →Listed by Luis Andrew Ruiz · EXP Realty, LLC
Typesingle_family
Built2004
Price / sqft$372
Est. value (own analysis)$482,761
Rent estimate (own analysis)$2,800/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood9/10extreme$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-07-30
Removed date—
MLSMiamiMLS #A12062278
Coordinates25.55845, -80.35814
Address22470 SW 103rd Ave
CityCutler Bay
StateFL
Zip33190
Listing ID5247381146
Sourceus-real-estate-listings, cached 2026-08-28
ZIP market snapshot (33190)
Median sale price$419,900
Median days on market (sale)82
Active sale listings119
Median rent$2,600/mo
Median days on market (rent)48
Active rental listings93
Real ZIP-wide statistics from RentCast, as of 2026-08 (fetched 2026-08-29) — this is the whole ZIP's market, not specific to this property. Re-analyzing spends one of the account's 50 free monthly lookups. Our own log shows at least 1 of the 50 free monthly RentCast requests used — that only counts calls made through this app, so it can undercount. RentCast's own account dashboard has the real total.
Re-analyze ZIP 33190 (≥1 of 50 per our log)Underwriting (buy-and-hold, default assumptions)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $550,000 |
| Down payment (20.0%) | $110,000 |
| Loan amount | $440,000 |
| Closing costs (5.0%) | $27,500 |
| Total cash to close | $137,500 |
| Income | |
| Rent (comp-derived) | $2,800$33,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,576$30,912 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $871$10,450 |
| Insurance (est. scaled by flood & wind risk) | $807$9,680 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $140$1,680 |
| Total operating expenses | $1,818$21,810 |
| 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) | $140$1,680 |
| 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 | 3 | 2 | 1,327 | $2,499 | — | — | |
| single_family | 3 | 2 | 1,369 | $2,690 | — | — | |
| single_family | 3 | 3 | 1,716 | $2,575 | — | — | |
| single_family | 3 | 2 | 1,759 | $3,295 | — | — | |
| single_family | 3 | 2 | 1,369 | $3,500 | 2026-08-09 | — | |
| single_family | 3 | 2 | 1,423 | $3,500 | 2026-08-25 | — | |
| single_family | 3 | 3 | 1,515 | $2,548 | — | — | |
| single_family | 3 | 3 | 1,690 | $2,800 | — | — | |
| single_family | 3 | 2 | 1,519 | $3,200 | 2026-09-01 | — |
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 |
|---|---|---|---|---|---|---|
| 9830 SW 222nd St | single_family | 3 | 2 | 1,369 | $485,000 | 2026-08-04 |
| 22063 SW 88th Ct | single_family | 3 | 3 | 1,760 | $550,000 | 2026-07-30 |
| 22548 SW 102nd Path | single_family | 3 | 2 | 1,519 | $570,000 | 2026-07-29 |
| 21839 SW 100th Pl | single_family | 3 | 2 | 1,650 | $479,800 | 2026-07-20 |
| 23112 SW 104th Ct | single_family | 3 | 2 | 1,813 | $565,000 | 2026-07-10 |
| 22744 SW 88th Path | single_family | 3 | 3 | 1,968 | $500,000 | 2026-07-01 |
| 9243 SW 227th Ter | single_family | 3 | 2 | 1,968 | $583,000 | 2026-06-24 |
| 9756 SW 222nd St | single_family | 3 | 2 | 1,423 | $509,000 | 2026-06-22 |
| 9786 SW 222nd Ter | single_family | 3 | 2 | 1,369 | $499,000 | 2026-06-15 |
| 9928 SW 218th Ter | single_family | 3 | 2 | 1,425 | $575,000 | 2026-06-11 |
| 9770 SW 216th Ter | single_family | 3 | 2 | 1,685 | $600,000 | 2026-06-10 |
| 9829 SW 222nd Ter | single_family | 3 | 2 | 1,369 | $350,000 | 2026-06-09 |
| 8875 SW 227th Ter | single_family | 3 | 3 | 1,787 | $497,999 | 2026-06-02 |
| 10019 SW 222nd St | single_family | 3 | 2 | 1,166 | $465,000 | 2026-05-29 |
| 9473 SW 227th Ter | single_family | 3 | 3 | 1,749 | $580,000 | 2026-05-29 |
| 6531331350 | single_family | 3 | 3 | 1,749 | $569,000 | 2026-05-26 |
| 8820 SW 223rd Ter | single_family | 3 | 3 | 1,760 | $590,000 | 2026-05-08 |
| 22547 SW 102nd Path | single_family | 3 | 2 | 1,480 | $565,000 | 2026-04-23 |
| 10170 SW 223rd Ter | single_family | 3 | 2 | 1,166 | $450,000 | 2026-04-22 |
| 22521 SW 93rd Psge | single_family | 3 | 2 | 1,749 | $572,000 | 2026-04-15 |
| 9775 SW 221st St | single_family | 3 | 2 | 1,369 | $498,000 | 2026-04-10 |
| 8786 SW 221st Ter | single_family | 3 | 2 | 1,876 | $550,000 | 2026-04-02 |
| 9884816382 | single_family | 3 | 3 | 1,876 | $550,000 | 2026-03-26 |
| 22239 SW 98th Pl | single_family | 3 | 2 | 1,423 | $550,000 | 2026-03-23 |
| 22173 SW 98th Ct | single_family | 3 | 2 | 1,423 | $540,000 | 2026-03-19 |
| 8788 SW 222nd Ter | single_family | 3 | 3 | 1,760 | $570,000 | 2026-03-16 |
| 5431514063 | single_family | 3 | 2 | 1,369 | $400,000 | 2026-02-20 |
| 22315 SW 103rd Ave | single_family | 3 | 2 | 1,458 | $334,000 | 2026-02-13 |
| 10013 SW 218th St | single_family | 3 | 2 | 1,558 | $453,000 | 2026-02-09 |
| 10279 SW 225th Ln | single_family | 3 | 2 | 1,480 | $555,000 | 2026-02-02 |
| 22032 SW 95th Pl | single_family | 3 | 2 | 2,062 | $637,500 | 2026-01-29 |
| 10048 SW 222nd St | single_family | 3 | 2 | 1,166 | $437,000 | 2026-01-28 |
| 9755 SW 222nd Ter | single_family | 3 | 2 | 1,423 | $489,000 | 2026-01-13 |
| 9120 SW 227th Ln | single_family | 3 | 2 | 1,968 | $589,000 | 2025-12-22 |
| 10103 SW 231st Ln | single_family | 3 | 3 | 1,544 | $435,000 | 2025-12-11 |
| 22151 SW 87th Pl | single_family | 3 | 2 | 1,876 | $575,000 | 2025-11-14 |
| 22436 SW 94th Pl | single_family | 3 | 3 | 1,749 | $539,000 | 2025-11-10 |
| 22255 SW 97th Ct | single_family | 3 | 2 | 1,369 | $455,000 | 2025-11-07 |
| 9239 SW 227th St Unit 4 | single_family | 3 | 3 | 1,325 | $314,900 | 2025-10-24 |
| 9111 SW 227th Ter | single_family | 3 | 2 | 1,968 | $519,000 | 2025-10-17 |
| 9805 SW 222nd Ter | single_family | 3 | 2 | 1,423 | $519,900 | 2025-10-16 |
| 22747 SW 93rd Ct | single_family | 3 | 2 | 1,580 | $525,000 | 2025-10-03 |
| 9951 SW 218th Ter | single_family | 3 | 2 | 1,425 | $505,000 | 2025-09-15 |
| 8778 SW 222nd Ter | single_family | 3 | 3 | 1,876 | $590,000 | 2025-09-15 |
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 |
|---|---|---|---|---|---|---|
| 22405 SW 102nd Ave | townhomes | 3 | 3 | 1,806 | $489,000 | — |
| 10095 SW 231st Ln | townhomes | 3 | 3 | 1,832 | $475,000 | — |
| 10085 SW 228th Ter | townhomes | 3 | 3 | 1,362 | $435,000 | — |
| 9965 SW 228th Ter | townhomes | 3 | 3 | 1,539 | $409,000 | — |
| 10072 SW 231st Ln | townhomes | 3 | 3 | 1,832 | $425,000 | — |
| 10079 SW 228th Ter Unit 10079 | townhomes | 3 | 3 | 1,335 | $415,000 | — |
| 10004 SW 231st Ln | townhomes | 3 | 3 | 1,832 | $419,000 | — |
| 10144 SW 228th Ter | townhomes | 3 | 3 | 1,328 | $435,000 | — |
10-year hold projection
IRR-2.9%
Equity multiple0.53x
Total return (10yr)$6,551
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $566,500 | $9,102 | -$26,509 | $435,229 | $131,271 |
| 2 | $583,495 | $9,484 | -$26,169 | $430,131 | $153,364 |
| 3 | $601,000 | $9,880 | -$25,815 | $424,683 | $176,317 |
| 4 | $619,030 | $10,291 | -$25,449 | $418,860 | $200,169 |
| 5 | $637,601 | $10,718 | -$25,068 | $412,638 | $224,963 |
| 6 | $656,729 | $11,159 | -$24,672 | $405,989 | $250,740 |
| 7 | $676,431 | $11,618 | -$24,261 | $398,882 | $277,548 |
| 8 | $696,724 | $12,093 | -$23,835 | $391,288 | $305,435 |
| 9 | $717,625 | $12,585 | -$23,393 | $383,173 | $334,453 |
| 10 | $739,154 | $13,095 | -$22,933 | $374,500 | $364,654 |
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.