15144 SW 20th St
Miami, FL 33185 · single_family · For Sale · 14 days on market
Asking price$860,000
4 beds 4 baths 3,043 sqft
Listed by Manny Vega · MSV REAL ESTATE BROKERAGE, LLC
Typesingle_family
Built2005
Price / sqft$283
Est. value (own analysis)$1,062,920
Rent estimate (own analysis)$5,200/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeWildfire6/10MajorAir2/10MinorFlood1/10minimal$
1 / 64
Show every detail
Statusfor_sale
Listed date2026-08-19
Removed date—
MLSStellarMLS #B4902328
Coordinates25.74808, -80.43986
Address15144 SW 20th St
CityMiami
StateFL
Zip33185
Listing ID5334228033
Sourceus-real-estate-listings, cached 2026-09-02
ZIP market snapshot (33185)
Typical home value (ZHVI)$677,356
Typical rent (ZORI)$3,519/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 | $860,000 |
| Down payment (20.0%) | $172,000 |
| Loan amount | $688,000 |
| Closing costs (5.0%) | $43,000 |
| Total cash to close | $215,000 |
| Income | |
| Rent (comp-derived) | $5,200$62,400 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,784$57,408 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,362$16,340 |
| Insurance (est. scaled by flood & wind risk) | $860$10,320 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $260$3,120 |
| Total operating expenses | $2,482$29,780 |
| 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) | $260$3,120 |
| 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 | 4 | 3 | 2,552 | $5,200 | 2026-08-21 | — | |
| single_family | 4 | 3 | 2,526 | $6,500 | 2026-08-20 | — | |
| single_family | 4 | 4 | 3,257 | $4,500 | 2026-08-18 | — | |
| single_family | 4 | 4 | 3,043 | $5,900 | 2026-08-12 | — | |
| single_family | 4 | 3 | 2,211 | $4,900 | 2026-06-24 | — | |
| single_family | 4 | 3 | 2,222 | $3,895 | — | — | |
| single_family | 4 | 2 | 2,679 | $17,320 | 2025-11-22 | — | |
| single_family | 4 | 3 | 2,287 | $5,200 | — | — | |
| single_family | 4 | 3 | 2,552 | $5,200 | 2026-08-26 | — | |
| single_family | 4 | 4 | 3,043 | $5,900 | 2026-08-26 | — | |
| single_family | 4 | 2 | 2,135 | $3,500 | 2026-08-28 | — |
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 |
|---|---|---|---|---|---|---|
| 1690 SW 154th Ave | single_family | 4 | 2 | 2,338 | $1,000,000 | 2026-08-18 |
| 16479 SW 50th Ter | single_family | 4 | 3 | 2,368 | $760,000 | 2026-08-17 |
| 16572 SW 43rd Ln | single_family | 4 | 3 | 1,899 | $750,000 | 2026-08-05 |
| 15490 SW 47th St | single_family | 4 | 3 | 2,133 | $685,000 | 2026-07-31 |
| 14954 SW 38th Ter | single_family | 4 | 2 | 1,622 | $279,900 | 2026-07-30 |
| 14729 SW 53rd Ter | single_family | 4 | 2 | 2,096 | $708,000 | 2026-07-28 |
| 16528 SW 44th St | single_family | 4 | 3 | 2,399 | $850,000 | 2026-07-24 |
| 16252 SW 42nd Ter | single_family | 4 | 3 | 2,266 | $870,000 | 2026-07-24 |
| 14941 SW 45th Ter | single_family | 4 | 4 | 2,529 | $835,000 | 2026-07-23 |
| 5239 SW 153rd Ave | single_family | 4 | 2 | 2,004 | $685,000 | 2026-07-23 |
| 2720 SW 156th Pl | single_family | 4 | 4 | 3,286 | $771,000 | 2026-07-17 |
| 5051 SW 163rd Ct | single_family | 4 | 3 | 2,795 | $850,000 | 2026-07-09 |
| 2921 SW 152nd Ave | single_family | 4 | 4 | 2,065 | $850,000 | 2026-07-03 |
| 3502 SW 156th Ct | single_family | 4 | 2 | 1,788 | $649,999 | 2026-06-25 |
| 15079 SW 30th St | single_family | 4 | 4 | 2,921 | $900,000 | 2026-06-23 |
| 15327 SW 55th Ter | single_family | 4 | 2 | 2,060 | $780,000 | 2026-06-22 |
| 15763 SW 43rd St | single_family | 4 | 3 | 2,328 | $890,000 | 2026-06-15 |
| 4540 SW 151st Pl | single_family | 4 | 3 | 2,572 | $730,000 | 2026-06-05 |
| 3002 SW 147th Ct | single_family | 4 | 3 | 2,580 | $950,000 | 2026-06-04 |
| 5324 SW 164th Ct | single_family | 4 | 3 | 2,338 | $1,065,000 | 2026-06-02 |
| 15000 SW 45th Ln | single_family | 4 | 3 | 2,714 | $1,000,000 | 2026-05-28 |
| 4429 SW 165th Ct | single_family | 4 | 3 | 2,512 | $900,000 | 2026-05-23 |
| 15382 SW 16th Ter | single_family | 4 | 2 | 1,486 | $665,000 | 2026-05-22 |
| 4342 SW 159th Path | single_family | 4 | 3 | 2,332 | $865,000 | 2026-05-22 |
| 3436 SW 152nd Pass | single_family | 4 | 3 | 2,008 | $675,000 | 2026-05-21 |
| 4235 SW 148th Pl | single_family | 4 | 4 | 2,043 | $660,000 | 2026-05-21 |
| 3801 SW 149th Ave | single_family | 4 | 3 | 2,591 | $1,120,000 | 2026-05-19 |
| 15364 SW 32nd Ter | single_family | 4 | 3 | 2,523 | $730,000 | 2026-04-30 |
| 16673 SW 44th St | single_family | 4 | 3 | 2,640 | $815,000 | 2026-04-28 |
| 15351 SW 36th St | single_family | 4 | 2 | 1,733 | $440,000 | 2026-04-28 |
| 15274 SW 36th Ter | single_family | 4 | 2 | 2,011 | $845,000 | 2026-04-23 |
| 3480 SW 149th Ave | single_family | 4 | 3 | 2,946 | $850,000 | 2026-04-23 |
| 16030 SW 42nd Ter | single_family | 4 | 3 | 2,328 | $825,000 | 2026-04-22 |
| 6732193986 | single_family | 4 | 3 | 2,223 | $635,000 | 2026-04-20 |
| 15525 SW 26th Ter | single_family | 4 | 4 | 3,243 | $849,000 | 2026-04-15 |
| 3164 SW 147th Pl | single_family | 4 | 4 | 2,723 | $1,075,000 | 2026-04-13 |
| 3511 SW 154th Ct | single_family | 4 | 2 | 1,405 | $650,000 | 2026-04-06 |
| 15464 SW 18th Ln | single_family | 4 | 3 | 2,437 | $805,000 | 2026-04-06 |
| 3061 SW 147th Ct | single_family | 4 | 3 | 2,525 | $850,000 | 2026-03-25 |
| 16272 SW 42nd Ter | single_family | 4 | 4 | 2,630 | $910,000 | 2026-03-19 |
| 5226 SW 160th Ave | single_family | 4 | 3 | 2,566 | $1,000,000 | 2026-03-13 |
| 15591 SW 45th Ter | single_family | 4 | 5 | 2,767 | $825,000 | 2026-03-12 |
| 4318 SW 164th Ct | single_family | 4 | 3 | 1,899 | $680,000 | 2026-03-12 |
| 14815 SW 28th Ln | single_family | 4 | 3 | 1,979 | $770,000 | 2026-03-10 |
| 4241 SW 154th Pl | single_family | 4 | 2 | 2,060 | $834,000 | 2026-03-10 |
| 15601 SW 31st Ln | single_family | 4 | 3 | 2,997 | $720,000 | 2026-03-09 |
| 15217 SW 36th Ter | single_family | 4 | 3 | 2,011 | $680,000 | 2026-03-06 |
| 3401 SW 149th Ave | single_family | 4 | 4 | 2,299 | $845,000 | 2026-03-06 |
| 15863 SW 55th Ter | single_family | 4 | 3 | 2,510 | $885,000 | 2026-02-26 |
| 14989 SW 22nd St | single_family | 4 | 3 | 3,043 | $1,025,000 | 2026-02-24 |
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 |
|---|---|---|---|---|---|---|
| 1733 SW 151st Pl | single_family | 4 | 4 | 3,043 | $1,197,000 | — |
| 15624 SW 20th St | single_family | 4 | 4 | 2,526 | $950,000 | — |
| 15429 SW 36th Ter | single_family | 4 | 3 | 2,287 | $739,900 | — |
| 3121 SW 156th Ave | single_family | 4 | 3 | 2,997 | $1,100,000 | — |
| 4863 SW 148th Ct | single_family | 4 | 3 | 2,261 | $699,999 | — |
| townhomes | 4 | 3 | 1,718 | $590,000 | — | |
| 15753 SW 43rd St | single_family | 4 | 3 | 2,328 | $890,000 | — |
| 15154 SW 20th Ln | single_family | 4 | 4 | 3,043 | $1,100,000 | — |
10-year hold projection
IRR1.3%
Equity multiple1.21x
Total return (10yr)$157,161
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $885,800 | $27,628 | -$28,547 | $680,541 | $205,259 |
| 2 | $912,374 | $28,606 | -$27,648 | $672,569 | $239,805 |
| 3 | $939,745 | $29,617 | -$26,717 | $664,050 | $275,695 |
| 4 | $967,938 | $30,661 | -$25,754 | $654,946 | $312,992 |
| 5 | $996,976 | $31,742 | -$24,757 | $645,217 | $351,759 |
| 6 | $1,026,885 | $32,858 | -$23,727 | $634,819 | $392,066 |
| 7 | $1,057,692 | $34,012 | -$22,661 | $623,708 | $433,984 |
| 8 | $1,089,422 | $35,206 | -$21,558 | $611,833 | $477,589 |
| 9 | $1,122,105 | $36,439 | -$20,418 | $599,143 | $522,962 |
| 10 | $1,155,768 | $37,713 | -$19,238 | $585,582 | $570,186 |
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.