1525 SW 19th Ter
Miami, FL 33145 · single_family · For Sale · 30 days on market
Asking price$1,290,000
2 beds 2 baths 2,007 sqft
Suggested offer$1,219,086$70,914 above the est. market value of $1,219,086.
View on Realtor.com →Listed by Lorelvy Hurtado · Realty One Group Evolution
Typesingle_family
Built1952
Price / sqft$643
Est. value (own analysis)$1,219,086
Rent estimate (own analysis)$3,200/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood3/10moderate$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-08-03
Removed date—
MLSMiamiMLS #A12064675
Coordinates25.75409, -80.21973
Address1525 SW 19th Ter
CityMiami
StateFL
Zip33145
Listing ID5304109509
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33145)
Typical home value (ZHVI)$735,527
Typical rent (ZORI)$3,018/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 | $1,290,000 |
| Down payment (20.0%) | $258,000 |
| Loan amount | $1,032,000 |
| Closing costs (5.0%) | $64,500 |
| Total cash to close | $322,500 |
| Income | |
| Rent (comp-derived) | $3,200$38,400 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,944$35,328 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $2,043$24,510 |
| Insurance (est. scaled by flood & wind risk) | $1,376$16,512 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $160$1,920 |
| Total operating expenses | $3,579$42,942 |
| 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) | $160$1,920 |
| 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 | 2 | 1 | 1,824 | $2,500 | 2026-08-14 | — | |
| single_family | 2 | 1 | 1,773 | $3,200 | 2026-06-17 | — | |
| single_family | 2 | 1 | 1,650 | $3,200 | 2026-07-30 | — |
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 |
|---|---|---|---|---|---|---|
| 1851 SW 21st Ter | single_family | 2 | 2 | 1,773 | $785,000 | 2026-08-17 |
| 3644 SW 3rd Ave | single_family | 2 | 3 | 2,267 | $1,310,000 | 2026-08-04 |
| 1811 SW 17th Ter | single_family | 2 | 1 | 1,404 | $710,000 | 2026-07-24 |
| 1879 SW 16th St | single_family | 2 | 1 | 1,633 | $750,000 | 2026-07-23 |
| 3170 SW 19th Ter | single_family | 2 | 1 | 1,388 | $642,000 | 2026-07-07 |
| 1871 SW 23rd St | single_family | 2 | 1 | 1,556 | $940,000 | 2026-06-26 |
| 2350 SW 16th St | single_family | 2 | 2 | 1,224 | $615,000 | 2026-06-18 |
| 2332 SW 19th Ter | single_family | 2 | 1 | 1,285 | $1,089,000 | 2026-06-15 |
| 3655 SW 17th St | single_family | 2 | 1 | 880 | $700,000 | 2026-06-01 |
| 1900 SW 21st Ave | single_family | 2 | 1 | 1,053 | $730,000 | 2026-05-28 |
| 1941 SW 33rd Ave | single_family | 2 | 1 | 1,039 | $690,000 | 2026-05-07 |
| 1633 SW 30th Ave | single_family | 2 | 2 | 855 | $530,000 | 2026-04-30 |
| 1345 SW 17th St | single_family | 2 | 1 | 1,479 | $950,000 | 2026-04-29 |
| 3015 SW 24th Ter | single_family | 2 | 1 | 1,404 | $600,000 | 2026-04-17 |
| 2845 SW 21st Ter | single_family | 2 | 1 | 1,424 | $520,000 | 2026-04-16 |
| 2431 SW 22nd Ter | single_family | 2 | 1 | 1,112 | $830,000 | 2026-04-15 |
| 2319 SW 22nd Ter | single_family | 2 | 2 | 1,689 | $660,000 | 2026-04-14 |
| 1411 SW 23rd Ter | single_family | 2 | 1 | 1,288 | $850,000 | 2026-04-14 |
| 2560 SW 19th Ter | single_family | 2 | 2 | 1,192 | $780,000 | 2026-04-14 |
| 3258 SW 22nd Ter | single_family | 2 | 1 | 1,580 | $550,000 | 2026-04-08 |
| 2426 SW 17th Ave | single_family | 2 | 1 | 944 | $700,000 | 2026-03-27 |
| 1781 SW 24th St | single_family | 2 | 2 | 1,351 | $875,000 | 2026-03-25 |
| 2102 SW 14th Ave | single_family | 2 | 1 | 783 | $350,000 | 2026-03-17 |
| 2150 SW 20th St | single_family | 2 | 1 | 1,800 | $600,000 | 2026-03-13 |
| 3689 SW 1st Ave | single_family | 2 | 1 | 1,564 | $950,000 | 2026-03-02 |
| 3088 SW 20th St | single_family | 2 | 1 | 1,413 | $630,000 | 2026-02-18 |
| 2375 SW 32nd Ave | single_family | 2 | 1 | 804 | $575,000 | 2026-02-09 |
| 1780 SW 21st St | single_family | 2 | 1 | 1,240 | $785,000 | 2026-02-09 |
| 3321 SW 18th St | single_family | 2 | 2 | 1,299 | $780,000 | 2026-01-13 |
| 3160 SW 19th Ter | single_family | 2 | 1 | 1,037 | $750,000 | 2026-01-08 |
| 2011 SW 17th Ter | single_family | 2 | 2 | 1,885 | $610,000 | 2025-12-29 |
| 1762 SW 22nd Ter | single_family | 2 | 1 | 704 | $399,000 | 2025-12-15 |
| 1500 SW 23rd St | single_family | 2 | 1 | 782 | $630,000 | 2025-11-19 |
| 2473 SW 14th St | single_family | 2 | 1 | 1,641 | $542,000 | 2025-11-13 |
| 1508 SW 15th St | single_family | 2 | 2 | 1,774 | $950,000 | 2025-10-30 |
| 1711 SW 18th St | single_family | 2 | 1 | 1,031 | $880,000 | 2025-10-27 |
| 2121 SW 20th St | single_family | 2 | 2 | 1,282 | $850,000 | 2025-10-20 |
| 3241 SW 20th St | single_family | 2 | 1 | 1,039 | $660,000 | 2025-10-16 |
| 2283 SW 17th St | single_family | 2 | 1 | 1,428 | $567,000 | 2025-10-15 |
| 2305 SW 19th Ter | single_family | 2 | 2 | 1,331 | $910,000 | 2025-10-10 |
| 2181 SW 20th St | single_family | 2 | 2 | 1,582 | $1,050,000 | 2025-09-22 |
| 3155 SW 23rd Ter | single_family | 2 | 1 | 1,051 | $670,000 | 2025-08-29 |
| 1824 SW 24th St | single_family | 2 | 1 | 1,405 | $801,000 | 2025-08-29 |
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 |
|---|---|---|---|---|---|---|
| 1650 Coral Way Ph 9 | condos | 2 | 2 | 1,447 | $520,000 | — |
| 3605 SW 18th Ter | single_family | 2 | 1 | 1,272 | $780,000 | — |
| 1655 SW 20th St | single_family | 2 | 1 | 1,472 | $790,000 | — |
| 1914 SW 17th Ave Apt 24 | condos | 2 | 2 | 970 | $365,000 | — |
| 3530 SW 22nd St Apt 902 | condos | 2 | 2 | 1,100 | $499,000 | — |
| 1233 SW 13th St | single_family | 2 | 2 | 1,362 | $850,000 | — |
| 3180 SW 22nd Ter Unit 601 | condos | 2 | 2 | 1,134 | $435,000 | — |
| 3500 Coral Way Ph 10 | condos | 2 | 2 | 842 | $399,000 | — |
10-year hold projection
IRR-8.5%
Equity multiple-0.44x
Total return (10yr)-$296,160
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,328,700 | -$7,614 | -$89,117 | $1,020,811 | $307,889 |
| 2 | $1,368,561 | -$7,628 | -$89,179 | $1,008,853 | $359,708 |
| 3 | $1,409,618 | -$7,636 | -$89,237 | $996,075 | $413,543 |
| 4 | $1,451,906 | -$7,640 | -$89,291 | $982,418 | $469,488 |
| 5 | $1,495,464 | -$7,638 | -$89,340 | $967,824 | $527,639 |
| 6 | $1,540,327 | -$7,630 | -$89,385 | $952,228 | $588,099 |
| 7 | $1,586,537 | -$7,616 | -$89,426 | $935,561 | $650,976 |
| 8 | $1,634,133 | -$7,596 | -$89,461 | $917,749 | $716,384 |
| 9 | $1,683,157 | -$7,568 | -$89,490 | $898,714 | $784,443 |
| 10 | $1,733,652 | -$7,534 | -$89,514 | $878,372 | $855,280 |
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.