15624 SW 20th St
Miami, FL 33185 · single_family · For Sale · 13 days on market
Asking price$950,000
4 beds 4 baths 2,526 sqft
Suggested offer$882,332$67,668 above the est. market value of $882,332.
View on Realtor.com →Listed by Yillian Iglesias · Goldpen Realty Group
Typesingle_family
Built2004
Price / sqft$376
Est. value (own analysis)$882,332
Rent estimate (own analysis)$4,400/mo
HOANone
Wind10/10Extreme$Heat9/10ExtremeWildfire8/10SevereAir2/10MinorFlood1/10minimal$
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Statusfor_sale
Listed date2026-08-20
Removed date—
MLSMiamiMLS #A12075077
Coordinates25.74770, -80.44762
Address15624 SW 20th St
CityMiami
StateFL
Zip33185
Listing ID5342948264
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 | $950,000 |
| Down payment (20.0%) | $190,000 |
| Loan amount | $760,000 |
| Closing costs (5.0%) | $47,500 |
| Total cash to close | $237,500 |
| Income | |
| Rent (comp-derived) | $4,400$52,800 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,048$48,576 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,504$18,050 |
| Insurance (est. scaled by flood & wind risk) | $950$11,400 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $220$2,640 |
| Total operating expenses | $2,674$32,090 |
| 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) | $220$2,640 |
| 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 | 3 | 1,895 | $4,300 | 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 | 1,895 | $4,300 | 2026-08-09 | — | |
| single_family | 4 | 3 | 1,839 | $4,000 | 2026-07-25 | — | |
| single_family | 4 | 2 | 1,935 | $4,000 | 2026-07-06 | — | |
| single_family | 4 | 3 | 2,211 | $4,900 | 2026-06-24 | — | |
| single_family | 4 | 2 | 1,708 | $3,700 | 2026-05-04 | — | |
| single_family | 4 | 3 | 2,222 | $3,895 | — | — | |
| single_family | 4 | 2 | 1,865 | $3,380 | — | — | |
| single_family | 4 | 2 | 2,679 | $17,320 | 2025-11-22 | — | |
| single_family | 4 | 3 | 2,287 | $5,200 | — | — | |
| single_family | 4 | 3 | 1,895 | $4,300 | 2026-08-26 | — | |
| 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 | — |
| 15429 SW 36th Ter | single_family | 4 | 3 | 2,287 | $739,900 | — |
| 15144 SW 20th St | single_family | 4 | 4 | 3,043 | $860,000 | — |
| 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
IRR-2.6%
Equity multiple0.57x
Total return (10yr)$21,557
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $978,500 | $16,486 | -$44,762 | $751,760 | $226,740 |
| 2 | $1,007,855 | $17,141 | -$44,172 | $742,954 | $264,901 |
| 3 | $1,038,091 | $17,820 | -$43,561 | $733,543 | $304,547 |
| 4 | $1,069,233 | $18,523 | -$42,928 | $723,487 | $345,747 |
| 5 | $1,101,310 | $19,251 | -$42,270 | $712,739 | $388,571 |
| 6 | $1,134,350 | $20,006 | -$41,588 | $701,254 | $433,096 |
| 7 | $1,168,380 | $20,788 | -$40,881 | $688,980 | $479,401 |
| 8 | $1,203,432 | $21,597 | -$40,148 | $675,862 | $527,569 |
| 9 | $1,239,535 | $22,436 | -$39,388 | $661,845 | $577,690 |
| 10 | $1,276,721 | $23,305 | -$38,600 | $646,864 | $629,856 |
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.