4904 SW 139th Ct
Miami, FL 33175 · townhomes · For Sale · 118 days on market
Asking price$445,000
2 beds 2 baths 970 sqft
Suggested offer$429,312$15,688 above the est. market value of $429,312.
View on Realtor.com →Listed by FERNANDO MONTOYA · FIP Realty Services, LLC
Typetownhomes
Built1980
Price / sqft$459
Est. value (own analysis)$429,312
Rent estimate (own analysis)$2,525/mo
HOA$52/mo
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Statusfor_sale
Listed date2026-05-07
Removed date—
MLSMiamiMLS #A12014867
Coordinates25.72100, -80.41898
Address4904 SW 139th Ct
CityMiami
StateFL
Zip33175
Listing ID5298050202
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33175)
Typical home value (ZHVI)$628,459
Typical rent (ZORI)$3,232/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 | $445,000 |
| Down payment (20.0%) | $89,000 |
| Loan amount | $356,000 |
| Closing costs (5.0%) | $22,250 |
| Total cash to close | $111,250 |
| Income | |
| Rent (comp-derived) | $2,525$30,300 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,323$27,876 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $705$8,455 |
| Insurance (placeholder 0.8% of price) | $297$3,560 |
| HOA dues | $52$624 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $126$1,515 |
| Total operating expenses | $1,180$14,154 |
| 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) | $126$1,515 |
| 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 | 2 | 2 | 1,057 | $2,600 | 2026-08-16 | — | |
| townhomes | 2 | 3 | 1,284 | $2,750 | 2026-07-14 | — | |
| townhomes | 2 | 2 | 823 | $2,150 | 2026-06-22 | — | |
| townhomes | 2 | 2 | 823 | $2,450 | 2026-06-01 | — |
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 |
|---|---|---|---|---|---|---|
| 3909 SW 118th Ct | townhomes | 2 | 1 | 1,080 | $485,000 | 2026-08-06 |
| 4829 SW 136th Pl | townhomes | 2 | 2 | 986 | $420,000 | 2026-07-15 |
| 4909 SW 135th Ct | townhomes | 2 | 1 | 864 | $465,000 | 2026-07-09 |
| 14049 SW 55th St | townhomes | 2 | 1 | 835 | $390,000 | 2026-06-01 |
| 12983 SW 18th Ter | townhomes | 2 | 1 | 825 | $385,000 | 2026-05-29 |
| 12966 SW 18th Ter | townhomes | 2 | 1 | 980 | $360,000 | 2026-05-15 |
| 4600 SW 136th Pl | townhomes | 2 | 2 | 986 | $430,000 | 2026-05-11 |
| 4605 SW 139th Ct Unit 814 | townhomes | 2 | 2 | 1,057 | $335,000 | 2026-03-23 |
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 |
|---|---|---|---|---|---|---|
| 11800 SW 18th St Unit 314-4 | condos | 2 | 2 | 898 | $295,000 | — |
| 11790 SW 18th St Unit 524-3 | condos | 2 | 2 | 898 | $279,000 | — |
| 12337 SW 20th Ter | townhomes | 2 | 2 | 982 | $450,000 | — |
| 13962 SW 52nd Ln | single_family | 2 | 1 | — | $449,999 | — |
| 12241 SW 16th Ter Unit 102K | townhomes | 2 | 3 | 1,032 | $390,000 | — |
| 5302 SW 138th Pl | townhomes | 2 | 2 | 1,028 | $455,000 | — |
| 11790 SW 18th St Unit 520-3 | condos | 2 | 2 | 898 | $270,000 | — |
| 13923 SW 46th Ter Unit C333 | townhomes | 2 | 3 | 1,351 | $425,000 | — |
10-year hold projection
IRR1.0%
Equity multiple1.16x
Total return (10yr)$75,529
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $458,350 | $13,722 | -$15,246 | $352,140 | $106,210 |
| 2 | $472,101 | $14,204 | -$14,801 | $348,015 | $124,085 |
| 3 | $486,264 | $14,703 | -$14,342 | $343,607 | $142,656 |
| 4 | $500,851 | $15,219 | -$13,866 | $338,896 | $161,955 |
| 5 | $515,877 | $15,751 | -$13,374 | $333,862 | $182,015 |
| 6 | $531,353 | $16,302 | -$12,865 | $328,482 | $202,871 |
| 7 | $547,294 | $16,871 | -$12,339 | $322,733 | $224,561 |
| 8 | $563,713 | $17,459 | -$11,795 | $316,588 | $247,124 |
| 9 | $580,624 | $18,067 | -$11,232 | $310,022 | $270,602 |
| 10 | $598,043 | $18,695 | -$10,650 | $303,005 | $295,038 |
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.