Miami, FL 33157 · single_family · For Sale · 89 days on market
Asking price$525,000
2 beds 1 baths 720 sqft
Suggested offer$351,724$173,276 above the est. market value of $351,724.
View on Realtor.com →Listed by Etienne Carmenaty · Carmena & Associates Realty Group
Typesingle_family
Built1950
Price / sqft$729
Est. value (own analysis)$351,724
Rent estimate (own analysis)$2,000/mo
HOANone
1 / 8
Show every detail
Statusfor_sale
Listed date2026-06-05
Removed date—
MLSMiamiMLS #A12031193
Coordinates25.61040, -80.35527
Address
CityMiami
StateFL
Zip33157
Listing ID5389079527
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 | $525,000 |
| Down payment (20.0%) | $105,000 |
| Loan amount | $420,000 |
| Closing costs (5.0%) | $26,250 |
| Total cash to close | $131,250 |
| Income | |
| Rent (comp-derived) | $2,000$24,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $1,840$22,080 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $831$9,975 |
| Insurance (placeholder 0.8% of price) | $350$4,200 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $100$1,200 |
| Total operating expenses | $1,281$15,375 |
| 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) | $100$1,200 |
| 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 | 800 | $1,800 | 2026-08-27 | — | |
| single_family | 2 | 1 | 800 | $2,000 | — | — | |
| single_family | 2 | 2 | 720 | $2,790 | 2026-08-31 | — |
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 |
|---|---|---|---|---|---|---|
| 10040 SW 170th Ter | single_family | 2 | 1 | 720 | $380,000 | 2026-07-21 |
| 16901 SW 94th Ave | single_family | 2 | 1 | 870 | $425,000 | 2026-07-20 |
| 15600 SW 77th Ave | single_family | 2 | 2 | 1,330 | $967,000 | 2026-06-25 |
| 16220 SW 101st Ave | single_family | 2 | 2 | 1,200 | $450,000 | 2026-06-18 |
| 15801 SW 99th Pl | single_family | 2 | 2 | 1,622 | $559,000 | 2026-06-02 |
| 10229 SW 175th St | single_family | 2 | 1 | 792 | $349,900 | 2026-05-28 |
| 10045 SW 172nd St | single_family | 2 | 1 | 924 | $495,000 | 2026-05-18 |
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 |
|---|---|---|---|---|---|---|
| 11249 SW 169th St Unit V4831 | condos | 2 | 2 | 1,240 | $268,500 | — |
| 19771 SW 114th Ave Apt 126 | condos | 2 | 2 | 800 | $165,000 | — |
| 15888 SW 95th Ave Apt 209 | condos | 2 | 1 | 880 | $237,000 | — |
| 16971 SW 113th Ct Unit 31444E | condos | 2 | 2 | 1,240 | $320,000 | — |
| 11284 SW 169th St Unit V3743 | condos | 2 | 2 | 1,110 | $268,000 | — |
| condos | 2 | 2 | 800 | $129,000 | — | |
| 17019 SW 100th Ave | single_family | 2 | 1 | 909 | $499,000 | — |
| 11311 SW 200th St Apt 311D | condos | 2 | 2 | 840 | $200,000 | — |
10-year hold projection
IRR-3.8%
Equity multiple0.38x
Total return (10yr)-$13,379
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $540,750 | $6,705 | -$26,883 | $415,446 | $125,304 |
| 2 | $556,973 | $6,983 | -$26,635 | $410,580 | $146,393 |
| 3 | $573,682 | $7,271 | -$26,378 | $405,379 | $168,302 |
| 4 | $590,892 | $7,570 | -$26,110 | $399,822 | $191,071 |
| 5 | $608,619 | $7,880 | -$25,833 | $393,882 | $214,737 |
| 6 | $626,877 | $8,201 | -$25,545 | $387,535 | $239,342 |
| 7 | $645,684 | $8,534 | -$25,246 | $380,752 | $264,932 |
| 8 | $665,054 | $8,880 | -$24,935 | $373,503 | $291,551 |
| 9 | $685,006 | $9,237 | -$24,613 | $365,756 | $319,250 |
| 10 | $705,556 | $9,608 | -$24,279 | $357,478 | $348,078 |
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.