10710 SW 32nd St

Miami, FL 33165 · single_family · For Sale · 8 days on market
Asking price$760,000
4 beds 2 baths 1,475 sqft
Suggested offer$579,091$180,909 above the est. market value of $579,091.
View on Realtor.com →
Listed by Jose Vilar - Westchester Realtor · EXP Realty, LLC
Typesingle_family
Built1976
Price / sqft$515
Est. value (own analysis)$579,091
Rent estimate (own analysis)$4,225/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood2/10minor$Air2/10MinorWildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2026-08-26
Removed date
MLSMiamiMLS #A12065859
Coordinates25.73933, -80.36829
Address10710 SW 32nd St
CityMiami
StateFL
Zip33165
Listing ID5281105570
Sourceus-real-estate-listings, cached 2026-09-01

ZIP market snapshot (33165)

Typical home value (ZHVI)$684,538
Typical rent (ZORI)$3,219/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)

Purchase price$760,000
Down payment (20.0%)$152,000
Loan amount$608,000
Closing costs (5.0%)$38,000
Total cash to close$190,000
Rent (comp-derived)$4,225$50,700
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$50,700
Vacancy rate (assumption) assumption8.0%

$50,700 × 8.0% = $4,056

Effective gross income$3,887$46,644
Property tax (placeholder 1.9% of price)$1,203$14,440
Insurance (est. scaled by flood & wind risk)$760$9,120
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$211$2,535
Total operating expenses$2,175$26,095
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$46,644
Total operating expenses derived$26,095

$46,644 − $26,095 = $20,549

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$608,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$608,000 amortized at 6.7% over 30 years = $3,907/mo

CapEx reserve (5.0% of GSR)$211$2,535
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$20,549
Annual debt service derived$46,886
Annual CapEx reserve assumption$2,535
Annual PMI assumption$0

($20,549 − $46,886 − $2,535 − $0) ÷ 12 = -$2,406

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$20,549
Purchase price data$760,000

$20,549 ÷ $760,000 = 2.7%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$28,872
Total cash to close derived$190,000

-$28,872 ÷ $190,000 = -15.2%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$20,549
Annual debt service derived$46,886

$20,549 ÷ $46,886 = 0.44

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$50,700
Purchase price data$760,000

($50,700 ÷ 12) ÷ $760,000 = 0.6%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$760,000
Gross scheduled rent (annual) comp$50,700

$760,000 ÷ $50,700 = 15.0

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$26,095
Effective gross income derived$46,644

$26,095 ÷ $46,644 = 55.9%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$26,095
Annual debt service derived$46,886
Annual PMI assumption$0
Gross scheduled rent (annual) comp$50,700

($26,095 + $46,886 + $0) ÷ $50,700 = 143.9%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family421,473$3,9502026-08-12
single_family421,534$4,9002026-08-05
single_family421,740$4,8002026-06-17
single_family431,534$3,2102026-06-06
single_family421,427$4,2002026-08-04
single_family421,734$3,6002026-07-30
single_family441,938$5,2002026-08-23
single_family421,843$3,9002026-02-25
single_family431,717$5,0002026-02-23
single_family421,436$4,200
single_family421,954$5,350
single_family431,950$4,2502026-08-31

3101 SW 102nd Pl Unit 0

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,473
Listed2026-08-12
Days on market

Asking rent: $3,950

View on Zillow →

8811 SW 54th Ter Unit 8811

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,534
Listed2026-08-05
Days on market

Asking rent: $4,900

View on Zillow →

10501 SW 53rd St

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,740
Listed2026-06-17
Days on market

Asking rent: $4,800

View on Zillow →

10020 SW 37th St

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,534
Listed2026-06-06
Days on market

Asking rent: $3,210

View on Zillow →

10500 SW 30th St

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,427
Listed2026-08-04
Days on market

Asking rent: $4,200

View on Zillow →

3310 SW 92nd Pl

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,734
Listed2026-07-30
Days on market

Asking rent: $3,600

View on Zillow →

10310 SW 43rd St Unit 0

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage1,938
Listed2026-08-23
Days on market

Asking rent: $5,200

View on Zillow →

10835 SW 41st Ter

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,843
Listed2026-02-25
Days on market

Asking rent: $3,900

View on Zillow →

5521 SW 104th Ave

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,717
Listed2026-02-23
Days on market

Asking rent: $5,000

View on Zillow →

4925 SW 102nd Pl

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,436
Listed
Days on market

Asking rent: $4,200

View on Zillow →

10330 SW 51st St

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,954
Listed
Days on market

Asking rent: $5,350

View on Zillow →

9441 SW 27th Dr

Miami, 33165 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,950
Listed2026-08-31
Days on market

Asking rent: $4,250

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
10055 SW 52nd Tersingle_family421,151$540,0002026-08-31
10141 SW 46th Stsingle_family421,690$685,0002026-08-31
11417 SW 35th Lnsingle_family432,511$690,0002026-08-28
10315 SW 26th Tersingle_family421,538$680,0002026-08-17
3000 SW 103rd Avesingle_family442,325$1,425,0002026-08-13
2810 SW 114th Avesingle_family442,275$1,000,0002026-07-31
11071 SW 28th Stsingle_family444,472$1,920,0002026-07-27
3080 SW 111th Avesingle_family433,035$1,420,0002026-07-27
2914 SW 92nd Ctsingle_family432,005$700,0002026-07-24
10321 SW 17th Stsingle_family422,235$815,0002026-07-23
3500 SW 87th Plsingle_family421,750$620,0002026-07-16
11412 SW 41st Stsingle_family421,340$500,0002026-07-10
4230 SW 111th Avesingle_family421,610$730,0002026-07-06
10370 SW 44th Stsingle_family421,279$650,0002026-07-06
3235 SW 93rd Ctsingle_family421,928$650,0002026-06-26
11210 SW 47th Tersingle_family431,974$775,0002026-06-22
9410 SW 42nd Stsingle_family442,568$885,0002026-06-19
9610 SW 16th Stsingle_family431,957$730,5002026-06-05
3040 SW 111th Avesingle_family442,836$1,185,0002026-06-04
9930 SW 40th Tersingle_family431,292$625,0002026-06-04
2705 SW 108th Ctsingle_family433,692$915,0002026-06-02
9301 SW 46th Tersingle_family421,668$400,0002026-05-29
9625 SW 47th Stsingle_family442,400$775,0002026-05-29
9440 SW 54th Stsingle_family432,018$810,0002026-05-19
11472 SW 28th Tersingle_family422,175$1,000,0002026-05-14
2725 SW 102nd Avesingle_family421,575$889,0002026-05-13
4725 SW 89th Avesingle_family422,962$1,701,0002026-05-11
2023 SW 99th Avesingle_family431,798$720,0002026-05-01
8930 SW 38th Stsingle_family442,009$690,0002026-05-01
3521 SW 99th Ctsingle_family443,041$966,0002026-04-24
10760 SW 28th Stsingle_family421,507$680,0002026-04-24
10945 SW 41st Stsingle_family421,253$610,0002026-04-23
4341 SW 104th Ctsingle_family421,436$655,0002026-04-21
8700 SW 42nd Tersingle_family421,248$730,0002026-04-17
11535 SW 32nd Lnsingle_family432,139$650,0002026-04-17
2232 SW 98th Plsingle_family422,265$780,0002026-04-14
4325 SW 95th Avesingle_family433,102$1,085,0002026-04-09
10510 SW 44th Tersingle_family421,962$750,0002026-04-07
9510 SW 29th Stsingle_family432,360$685,0002026-04-06
3101 SW 106th Avesingle_family431,685$765,0002026-04-02
3210 SW 104th Ctsingle_family422,193$575,0002026-03-26
4315 SW 98th Avesingle_family421,520$745,0002026-03-26
3711 SW 87th Avesingle_family432,928$910,0002026-03-25
3540 SW 105th Avesingle_family421,454$550,0002026-03-24
3250 SW 116th Plsingle_family421,740$670,0002026-03-13
1630 SW 98th Ctsingle_family422,032$750,0002026-03-13
5250 SW 115th Avesingle_family431,911$730,0002026-03-13
2585 SW 108th Avesingle_family422,017$880,0002026-03-10
4235 SW 97th Avesingle_family431,988$880,0002026-03-09
10251 SW 27th Stsingle_family42$749,0002026-03-09

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
2525 SW 107th Ctsingle_family443,373$899,000
3352 SW 110th Avesingle_family443,170$2,199,517
5241 SW 104th Avesingle_family452,749$1,145,000
11390 SW 30th Stsingle_family433,584$2,800,000
10240 SW 35th Stsingle_family431,525$769,999
9007 SW 38th Stmulti_family451,686$974,900
9551 SW 49th Stsingle_family431,300$885,000
9951 SW 41st Tersingle_family44$1,695,000

10-year hold projection

IRR-0.1%
Equity multiple0.99x
Total return (10yr)$96,993
YearProperty valueNOICash flowLoan balanceEquity
1$782,800$20,549-$28,872$601,408$181,392
2$806,284$21,296-$28,188$594,363$211,921
3$830,473$22,069-$27,481$586,835$243,638
4$855,387$22,868-$26,748$578,789$276,597
5$881,048$23,694-$25,990$570,191$310,857
6$907,480$24,549-$25,205$561,003$346,477
7$934,704$25,433-$24,393$551,183$383,521
8$962,745$26,347-$23,552$540,690$422,056
9$991,628$27,293-$22,682$529,475$462,152
10$1,021,376$28,271-$21,781$517,491$503,885
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.