10900 SW 177th Ter
Miami, FL 33157 · single_family · For Sale · 110 days on market
Asking price$719,900
6 beds 4 baths 2,684 sqft
Listed by Saud Rai (CRS) · Keyes - Homestead
Typesingle_family
Built1964
Price / sqft$268
Est. value (own analysis)$1,094,804
Rent estimate (own analysis)$7,900/mo
HOANone
1 / 81
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Statusfor_sale
Listed date2026-05-15
Removed date—
MLSMiamiMLS #A12016602
Coordinates25.60385, -80.36858
Address10900 SW 177th Ter
CityMiami
StateFL
Zip33157
Listing ID5336236420
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33157)
Typical home value (ZHVI)$630,585
Typical rent (ZORI)$2,736/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 | $719,900 |
| Down payment (20.0%) | $143,980 |
| Loan amount | $575,920 |
| Closing costs (5.0%) | $35,995 |
| Total cash to close | $179,975 |
| Income | |
| Rent (comp-derived) | $7,900$94,800 |
| Vacancy loss (8.0%) | |
| Effective gross income | $7,268$87,216 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,140$13,678 |
| Insurance (placeholder 0.8% of price) | $480$5,759 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $395$4,740 |
| Total operating expenses | $2,015$24,177 |
| 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) | $395$4,740 |
| 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
Widened to city-wide. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| single_family | 6 | 3 | 2,417 | $8,000 | 2026-08-05 | — | |
| single_family | 6 | 4 | 3,218 | $7,900 | 2026-07-24 | — | |
| single_family | 6 | 5 | 3,390 | $13,000 | 2026-06-25 | — | |
| single_family | 6 | 4 | 3,078 | $3,500 | 2026-08-28 | — | |
| single_family | 6 | 3 | 2,716 | $2,000 | 2026-08-26 | — |
Widened to any bedroom count in ZIP. 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 |
|---|---|---|---|---|---|---|
| 10835 SW 152nd Ter | single_family | 4 | 2 | 1,807 | $708,000 | 2026-08-31 |
| 7201 SW 174th St | single_family | 6 | 5 | 4,459 | $1,650,000 | 2026-08-31 |
| 19225 Bel Aire Dr | single_family | 3 | 2 | 1,435 | $709,000 | 2026-08-31 |
| 7845 SW 161st St | single_family | 4 | 3 | 2,368 | $1,500,000 | 2026-08-31 |
| 7980 SW 184th Ter | single_family | 4 | 6 | 4,703 | $1,900,000 | 2026-08-28 |
| 10315 SW 200th St | single_family | 5 | 3 | 2,278 | $550,000 | 2026-08-28 |
| 19801 SW 114th Ct | single_family | 4 | 2 | 2,424 | $440,000 | 2026-08-28 |
| 8824 SW 197th Ter | single_family | 3 | 2 | 1,292 | $780,000 | 2026-08-26 |
| 8298 SW 173rd Ter | single_family | 5 | 5 | 3,047 | $1,680,000 | 2026-08-26 |
| 16931 SW 109th Ave | single_family | 3 | 2 | 1,604 | $610,000 | 2026-08-24 |
| 16621 SW 102nd Ave | single_family | 3 | 2 | 1,655 | $535,000 | 2026-08-21 |
| 8930 SW 197th Ter | single_family | 3 | 2 | 1,352 | $540,000 | 2026-08-20 |
| 17710 SW 102nd Ave | single_family | 3 | 2 | 1,069 | $440,000 | 2026-08-19 |
| 9200 SW 178th St | single_family | 3 | 2 | 1,281 | $805,000 | 2026-08-19 |
| 9315 SW 170th Ln | single_family | 3 | 2 | 1,892 | $650,000 | 2026-08-17 |
| 19711 Whispering Pines Rd | single_family | 5 | 2 | 2,130 | $699,000 | 2026-08-14 |
| 8320 SW 162nd St | single_family | 3 | 2 | 1,796 | $965,000 | 2026-08-14 |
| 7844 SW 179th Ter | single_family | 4 | 2 | 2,673 | $1,275,000 | 2026-08-13 |
| 16230 SW 109th Ave | single_family | 3 | 2 | 1,367 | $575,000 | 2026-08-13 |
| 10365 SW 152nd St | single_family | 3 | 2 | 1,680 | $635,000 | 2026-08-13 |
| 16700 SW 102nd Pl | single_family | 3 | 2 | 1,296 | $585,000 | 2026-08-12 |
| 15421 SW 79th Ave | single_family | 4 | 2 | 2,773 | $1,740,000 | 2026-08-12 |
| 19247 SW 93rd Rd | single_family | 3 | 2 | 1,391 | $505,000 | 2026-08-12 |
| 19901 SW 92nd Ave | single_family | 3 | 2 | 1,555 | $665,000 | 2026-08-11 |
| 19600 Gulfstream Rd | single_family | 3 | 2 | 1,670 | $710,000 | 2026-08-11 |
| 16501 SW 102nd Ct | single_family | 3 | 2 | 1,536 | $530,000 | 2026-08-11 |
| 15551 SW 101st Ave | single_family | 3 | 1 | 1,058 | $520,000 | 2026-08-11 |
| 9971 SW 156th Ter | single_family | 3 | 2 | 1,472 | $562,000 | 2026-08-07 |
| 10624 SW 181st St | single_family | 3 | 2 | 1,283 | $470,000 | 2026-08-07 |
| 19311 Gulfstream Rd | single_family | 3 | 2 | 1,396 | $445,000 | 2026-08-07 |
| 15805 SW 99th Ct | single_family | 3 | 2 | 1,525 | $585,000 | 2026-08-07 |
| 18920 SW 92nd Ct | single_family | 3 | 2 | 1,510 | $699,990 | 2026-08-07 |
| 7600 SW 168th St | single_family | 5 | 3 | 2,112 | $1,595,000 | 2026-08-07 |
| 16889 SW 73rd Ct | single_family | 5 | 3 | 3,985 | $2,700,000 | 2026-08-06 |
| 18543 SW 91st Ave | single_family | 3 | 2 | 1,510 | $675,000 | 2026-08-05 |
| 10210 SW 175th St | single_family | 4 | 2 | 1,397 | $505,000 | 2026-08-05 |
| 9605 SW 187th St | single_family | 3 | 2 | 1,576 | $660,000 | 2026-08-05 |
| 8883 SW 176th St | single_family | 3 | 2 | 1,963 | $790,000 | 2026-08-05 |
| 17701 SW 92nd Ave | single_family | 3 | 2 | 1,782 | $680,000 | 2026-08-05 |
| 9118 SW 161st Ter | single_family | 3 | 2 | 1,502 | $600,000 | 2026-08-04 |
| 8480 SW 180th St | single_family | 3 | 2 | 1,629 | $890,000 | 2026-08-04 |
| 16601 SW 78th Ct | single_family | 3 | 2 | 3,368 | $2,200,000 | 2026-08-04 |
| 18601 SW 98th Ave | single_family | 5 | 3 | 2,176 | $645,000 | 2026-08-03 |
| 8050 SW 170th St | single_family | 4 | 2 | 2,130 | $1,175,000 | 2026-08-03 |
| 16911 SW 115th Ave | single_family | 4 | 2 | 1,806 | $730,000 | 2026-07-31 |
| 16420 SW 81st Ave | single_family | 4 | 2 | 2,399 | $1,060,000 | 2026-07-31 |
| 17071 SW 86th Ave | single_family | 4 | 2 | 1,988 | $1,015,000 | 2026-07-31 |
| 8900 SW 159th Ter | single_family | 4 | 3 | 2,518 | $1,001,000 | 2026-07-30 |
| 16085 SW 84th Pl | single_family | 5 | 3 | 3,102 | $1,600,000 | 2026-07-30 |
| 10220 SW 164th St | single_family | 3 | 2 | 2,151 | $670,000 | 2026-07-30 |
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 |
|---|---|---|---|---|---|---|
| 10315 SW 176th St | multi_family | 6 | 4 | 1,184 | $789,000 | — |
| 11511 SW 180th St | single_family | 6 | 3 | 2,546 | $900,000 | — |
| 18490 SW 83rd Pl | single_family | 6 | 4 | 3,402 | $1,635,000 | — |
| 7360 SW 164th St | single_family | 6 | 6 | 4,694 | $2,999,999 | — |
| 7201 SW 174th St | single_family | 6 | 5 | 4,459 | $1,995,000 | — |
| 8600 SW 162nd St | single_family | 6 | 3 | 3,369 | $1,999,000 | — |
| 8920 SW 162nd Ter | single_family | 6 | 5 | 3,944 | $2,375,000 | — |
| 18841 SW 74th Ct | single_family | 6 | 5 | 4,717 | $1,250,000 | — |
10-year hold projection
IRR17.2%
Equity multiple3.62x
Total return (10yr)$565,059
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $741,497 | $63,039 | $13,886 | $569,676 | $171,821 |
| 2 | $763,742 | $65,051 | $15,780 | $563,003 | $200,739 |
| 3 | $786,654 | $67,126 | $17,734 | $555,871 | $230,783 |
| 4 | $810,254 | $69,267 | $19,750 | $548,250 | $262,004 |
| 5 | $834,561 | $71,475 | $21,831 | $540,106 | $294,456 |
| 6 | $859,598 | $73,753 | $23,978 | $531,402 | $328,196 |
| 7 | $885,386 | $76,102 | $26,193 | $522,101 | $363,285 |
| 8 | $911,948 | $78,525 | $28,479 | $512,161 | $399,787 |
| 9 | $939,306 | $81,025 | $30,837 | $501,538 | $437,768 |
| 10 | $967,485 | $83,603 | $33,271 | $490,186 | $477,300 |
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.