11445 SW 43rd Ter
Miami, FL 33165 · single_family · For Sale · 23 days on market
Asking price$695,000
3 beds 2 baths 1,328 sqft
Suggested offer$583,465$111,535 above the est. market value of $583,465.
View on Realtor.com →Listed by Bryan Roach · Avenew Realty Corp
Typesingle_family
Built1955
Price / sqft$523
Est. value (own analysis)$583,465
Rent estimate (own analysis)$3,750/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood6/10major$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-08-10
Removed date—
MLSMiamiMLS #A12068314
Coordinates25.72735, -80.38036
Address11445 SW 43rd Ter
CityMiami
StateFL
Zip33165
Listing ID5334507666
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)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $695,000 |
| Down payment (20.0%) | $139,000 |
| Loan amount | $556,000 |
| Closing costs (5.0%) | $34,750 |
| Total cash to close | $173,750 |
| Income | |
| Rent (comp-derived) | $3,750$45,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,450$41,400 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,100$13,205 |
| Insurance (est. scaled by flood & wind risk) | $811$9,730 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $188$2,250 |
| Total operating expenses | $2,099$25,185 |
| 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) | $188$2,250 |
| 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 | 1,778 | $4,200 | — | — | |
| single_family | 3 | 2 | 1,292 | $4,000 | 2026-08-17 | — | |
| single_family | 3 | 2 | 1,100 | $3,800 | 2026-08-15 | — | |
| single_family | 3 | 2 | 1,202 | $3,750 | 2026-08-10 | — | |
| single_family | 3 | 1 | 1,347 | $2,999 | 2026-07-09 | — | |
| single_family | 3 | 2 | 902 | $3,200 | 2026-06-27 | — | |
| single_family | 3 | 1 | 1,436 | $3,000 | 2026-06-18 | — | |
| single_family | 3 | 2 | 1,611 | $3,300 | 2026-05-19 | — | |
| single_family | 3 | 2 | 1,272 | $3,400 | 2026-05-12 | — | |
| single_family | 3 | 2 | 1,341 | $3,400 | 2026-05-04 | — | |
| single_family | 3 | 3 | 1,603 | $4,700 | 2026-07-30 | — | |
| single_family | 3 | 1 | 1,164 | $3,200 | 2026-07-29 | — | |
| single_family | 3 | 2 | 1,726 | $5,000 | 2026-08-13 | — | |
| single_family | 3 | 3 | 1,603 | $4,700 | 2026-08-24 | — | |
| single_family | 3 | 2 | 1,636 | $3,950 | 2026-08-24 | — | |
| single_family | 3 | 2 | 1,140 | $2,800 | — | — | |
| single_family | 3 | 3 | 1,611 | $4,300 | — | — | |
| single_family | 3 | 1 | 1,210 | $3,500 | — | — | |
| single_family | 3 | 2 | 1,362 | $3,950 | 2026-08-29 | — |
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 |
|---|---|---|---|---|---|---|
| 9260 SW 56th St | single_family | 3 | 2 | 1,624 | $775,000 | 2026-08-31 |
| 10842 SW 33rd St | single_family | 3 | 3 | 2,378 | $815,000 | 2026-08-28 |
| 9011 SW 18th Ter | single_family | 3 | 2 | 1,490 | $685,000 | 2026-08-26 |
| 10455 SW 42nd Ter | single_family | 3 | 2 | 1,666 | $720,000 | 2026-08-21 |
| 9025 SW 36th St | single_family | 3 | 2 | 1,645 | $610,000 | 2026-08-14 |
| 11410 SW 44th St | single_family | 3 | 1 | 1,223 | $505,000 | 2026-08-13 |
| 5015 SW 98th Ct | single_family | 3 | 1 | 1,351 | $455,000 | 2026-08-11 |
| 1720 SW 98th Ct | single_family | 3 | 2 | 2,106 | $780,000 | 2026-08-10 |
| 10040 SW 32nd St | single_family | 3 | 2 | 2,276 | $793,000 | 2026-08-07 |
| 4170 SW 99th Ave | single_family | 3 | 1 | 1,816 | $880,000 | 2026-08-07 |
| 9675 SW 19th St | single_family | 3 | 2 | 1,736 | $825,000 | 2026-08-06 |
| 4401 SW 112th Ave | single_family | 3 | 2 | 1,277 | $510,000 | 2026-07-31 |
| 3440 SW 91st Ave | single_family | 3 | 2 | 1,290 | $695,000 | 2026-07-24 |
| 9590 SW 51st Ter | single_family | 3 | 2 | 1,872 | $728,500 | 2026-07-22 |
| 11300 SW 40th St | single_family | 3 | 2 | 948 | $635,000 | 2026-07-22 |
| 3721 SW 104th Ct | single_family | 3 | 3 | — | $649,000 | 2026-07-21 |
| 5100 SW 116th Ave | single_family | 3 | 1 | 1,218 | $700,000 | 2026-07-15 |
| 9250 SW 44th St | single_family | 3 | 2 | 2,146 | $1,150,000 | 2026-07-15 |
| 3515 SW 113th Ct | single_family | 3 | 2 | 1,341 | $600,000 | 2026-07-15 |
| 8901 SW 17th St | single_family | 3 | 2 | 1,496 | $515,000 | 2026-07-14 |
| 3111 SW 102nd Ave | single_family | 3 | 2 | 1,923 | $800,000 | 2026-07-07 |
| 4321 SW 107th Ct | single_family | 3 | 2 | 1,537 | $600,000 | 2026-07-06 |
| 11425 SW 43rd Ter | single_family | 3 | 2 | 1,146 | $680,000 | 2026-07-02 |
| 5500 SW 87th Ave | single_family | 3 | 2 | 2,238 | $835,000 | 2026-06-30 |
| 9011 SW 30th Ter | single_family | 3 | 1 | 1,476 | $550,000 | 2026-06-29 |
| 9230 SW 41st St | single_family | 3 | 1 | 1,316 | $540,000 | 2026-06-26 |
| 9360 SW 19th St | single_family | 3 | 2 | 2,492 | $870,000 | 2026-06-25 |
| 9100 SW 19th St | single_family | 3 | 2 | 1,879 | $650,000 | 2026-06-25 |
| 4211 SW 113th Ct | single_family | 3 | 1 | 1,146 | $570,500 | 2026-06-22 |
| 9201 SW 43rd Ter | single_family | 3 | 1 | 1,294 | $620,000 | 2026-06-18 |
| 10860 SW 40th Ter | single_family | 3 | 1 | 1,170 | $695,000 | 2026-06-15 |
| 10730 SW 48th Ter | single_family | 3 | 2 | 1,279 | $452,500 | 2026-06-12 |
| 9820 SW 51st Ter | single_family | 3 | 1 | 851 | $350,000 | 2026-06-10 |
| 2153 SW 104th Ave | single_family | 3 | 2 | 1,710 | $500,000 | 2026-06-09 |
| 9950 SW 35th Ter | single_family | 3 | 2 | 1,590 | $625,000 | 2026-06-09 |
| 10381 SW 32nd St | single_family | 3 | 3 | 935 | $710,000 | 2026-06-05 |
| 4012 SW 102nd Ct | single_family | 3 | 3 | 1,308 | $710,000 | 2026-06-04 |
| 2905 SW 93rd Ct | single_family | 3 | 2 | 1,360 | $650,000 | 2026-06-01 |
| 9971 SW 41st Ter | single_family | 3 | 3 | 1,418 | $640,000 | 2026-05-28 |
| 5110 SW 92nd Ave | single_family | 3 | 2 | 1,733 | $900,000 | 2026-05-28 |
| 9200 SW 42nd St | single_family | 3 | 2 | 1,696 | $580,000 | 2026-05-27 |
| 3240 SW 96th Ave | single_family | 3 | 2 | 1,618 | $675,000 | 2026-05-26 |
| 4161 SW 97th Pl | single_family | 3 | 2 | 1,470 | $725,000 | 2026-05-22 |
| 4850 SW 93rd Ct | single_family | 3 | 2 | 1,300 | $800,000 | 2026-05-22 |
| 9951 SW 39th Ter | single_family | 3 | 2 | 975 | $580,000 | 2026-05-22 |
| 1900 SW 87th Ct | single_family | 3 | 2 | 1,851 | $835,000 | 2026-05-22 |
| 3800 SW 104th Ave | single_family | 3 | 2 | 1,344 | $740,000 | 2026-05-21 |
| 4135 SW 116th Ave | single_family | 3 | 1 | 808 | $500,000 | 2026-05-21 |
| 10611 SW 23rd Ter | single_family | 3 | 2 | 1,396 | $530,000 | 2026-05-20 |
| 2835 SW 108th Pl | single_family | 3 | 2 | 1,616 | $710,000 | 2026-05-19 |
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 |
|---|---|---|---|---|---|---|
| 4825 SW 111th Ave | single_family | 3 | 2 | 1,635 | $799,000 | — |
| 4211 SW 97th Pl | single_family | 3 | 2 | 1,330 | $724,900 | — |
| 9441 SW 52nd Ter | single_family | 3 | 2 | 1,707 | $875,000 | — |
| 9200 SW 37th St | single_family | 3 | 2 | 1,539 | $640,000 | — |
| 4400 SW 112th Pl | single_family | 3 | 2 | 2,274 | $825,000 | — |
| 3751 SW 97th Ave | single_family | 3 | 2 | 1,778 | $850,000 | — |
| 4275 SW 87th Ave | single_family | 3 | 2 | 1,249 | $830,000 | — |
| single_family | 3 | 2 | 1,704 | $889,900 | — |
10-year hold projection
IRR-1.1%
Equity multiple0.82x
Total return (10yr)$60,270
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $715,850 | $16,215 | -$28,911 | $549,972 | $165,878 |
| 2 | $737,326 | $16,827 | -$28,355 | $543,529 | $193,796 |
| 3 | $759,445 | $17,461 | -$27,779 | $536,645 | $222,801 |
| 4 | $782,229 | $18,117 | -$27,182 | $529,287 | $252,941 |
| 5 | $805,695 | $18,797 | -$26,563 | $521,424 | $284,271 |
| 6 | $829,866 | $19,499 | -$25,922 | $513,022 | $316,845 |
| 7 | $854,762 | $20,227 | -$25,259 | $504,042 | $350,720 |
| 8 | $880,405 | $20,980 | -$24,571 | $494,446 | $385,959 |
| 9 | $906,817 | $21,759 | -$23,859 | $484,190 | $422,627 |
| 10 | $934,022 | $22,565 | -$23,121 | $473,231 | $460,791 |
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.