12969 SW 220th Ter
Miami, FL 33170 · single_family · For Sale · 40 days on market
Asking price$1,299,000
5 beds 4 baths 3,319 sqft
Suggested offer$985,378$313,622 above the est. market value of $985,378.
View on Realtor.com →Listed by Maria Cancio · HOMELAND CAPITAL REALTY
Typesingle_family
Built2007
Price / sqft$391
Est. value (own analysis)$985,378
Rent estimate (own analysis)$7,275/mo
HOANone
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Statusfor_sale
Listed date2026-07-24
Removed date—
MLSMiamiMLS #A12058807
Coordinates25.56235, -80.40204
Address12969 SW 220th Ter
CityMiami
StateFL
Zip33170
Listing ID5421318541
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33170)
Typical home value (ZHVI)$572,990
Typical rent (ZORI)$2,406/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 | $1,299,000 |
| Down payment (20.0%) | $259,800 |
| Loan amount | $1,039,200 |
| Closing costs (5.0%) | $64,950 |
| Total cash to close | $324,750 |
| Income | |
| Rent (comp-derived) | $7,275$87,300 |
| Vacancy loss (8.0%) | |
| Effective gross income | $6,693$80,316 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $2,057$24,681 |
| Insurance (placeholder 0.8% of price) | $866$10,392 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $364$4,365 |
| Total operating expenses | $3,287$39,438 |
| 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) | $364$4,365 |
| 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 | 5 | 4 | 2,905 | $5,725 | 2026-09-01 | — | |
| single_family | 5 | 6 | 4,212 | $11,000 | 2026-08-19 | — | |
| single_family | 5 | 3 | 3,050 | $5,999 | 2026-08-18 | — | |
| single_family | 5 | 4 | 2,612 | $7,300 | 2026-08-15 | — | |
| single_family | 5 | 5 | 3,827 | $12,000 | 2026-08-15 | — | |
| single_family | 5 | 3 | 2,480 | $3,875 | 2026-08-15 | — | |
| single_family | 5 | 5 | 3,456 | $5,900 | 2026-08-12 | — | |
| single_family | 5 | 4 | 4,188 | $11,000 | 2026-08-10 | — | |
| single_family | 5 | 3 | 3,116 | $4,850 | — | — | |
| single_family | 5 | 3 | 2,598 | $4,800 | 2026-07-18 | — | |
| single_family | 5 | 4 | 2,598 | $4,600 | 2026-07-08 | — | |
| single_family | 5 | 3 | 3,502 | $11,500 | 2026-07-06 | — | |
| single_family | 5 | 3 | 2,406 | $4,400 | 2026-07-03 | — | |
| single_family | 5 | 4 | 3,349 | $5,700 | 2026-07-02 | — | |
| single_family | 5 | 4 | 3,889 | $14,000 | 2026-06-29 | — | |
| single_family | 5 | 5 | 4,136 | $11,500 | 2026-06-24 | — | |
| single_family | 5 | 5 | 4,197 | $19,900 | 2026-06-17 | — | |
| single_family | 5 | 3 | 2,598 | $3,215 | 2026-08-18 | — | |
| single_family | 5 | 5 | 4,400 | $18,000 | 2026-05-26 | — | |
| single_family | 5 | 5 | 2,838 | $7,250 | 2026-05-22 | — | |
| single_family | 5 | 4 | 2,740 | $3,950 | 2026-07-31 | — | |
| single_family | 5 | 4 | 3,082 | $8,000 | 2026-07-31 | — | |
| single_family | 5 | 3 | 2,376 | $3,680 | — | — | |
| single_family | 5 | 6 | 3,996 | $16,500 | 2025-06-27 | — | |
| single_family | 5 | 5 | 4,119 | $18,500 | 2026-04-01 | — | |
| single_family | 5 | 5 | 4,057 | $14,950 | 2026-04-20 | — | |
| single_family | 5 | 4 | 3,843 | $8,250 | — | — | |
| single_family | 5 | 5 | 3,803 | $7,500 | 2025-10-20 | — | |
| single_family | 5 | 3 | 3,312 | $6,500 | 2026-08-27 | — | |
| single_family | 5 | 3 | 2,480 | $3,875 | — | — |
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 |
|---|---|---|---|---|---|---|
| 13231 SW 220th St | single_family | 5 | 5 | 3,600 | $2,600,000 | 2026-08-21 |
| 11050 SW 225th Ter | single_family | 5 | 3 | 2,068 | $570,000 | 2026-08-14 |
| 13217 SW 227th St | single_family | 5 | 4 | 2,643 | $1,050,000 | 2026-07-31 |
| 10763 SW 229th St | single_family | 5 | 3 | 2,512 | $664,000 | 2026-07-27 |
| 10941 SW 226th Ter | single_family | 5 | 3 | 2,484 | $620,000 | 2026-05-29 |
| 12716 SW 224th St | single_family | 5 | 3 | 2,275 | $1,000,000 | 2026-05-14 |
| 19491 SW 216th St | single_family | 5 | 3 | 4,412 | $1,040,000 | 2026-03-30 |
| 12833 SW 229th Ter | single_family | 5 | 4 | 3,191 | $755,000 | 2026-03-16 |
| 12904 SW 222nd St | single_family | 5 | 4 | 4,007 | $1,165,000 | 2026-03-11 |
| 13281 SW 227th St | single_family | 5 | 5 | 2,508 | $760,000 | 2026-03-10 |
| 23055 SW 172nd Ct | single_family | 5 | 4 | 3,826 | $1,500,000 | 2026-03-09 |
| 16255 SW 216th St | single_family | 5 | 4 | 3,224 | $1,575,900 | 2026-03-06 |
| 15455 SW 232nd St | single_family | 5 | 4 | 2,850 | $1,030,000 | 2026-01-20 |
| 23070 SW 123 Ct | single_family | 5 | 3 | 2,300 | $668,000 | 2026-01-12 |
| 22986 SW 128th Pl | single_family | 5 | 4 | 3,191 | $870,000 | 2026-01-09 |
| 22900 SW 157th Ave | single_family | 5 | 2 | 3,765 | $3,782,000 | 2026-01-02 |
| 22980 SW 130th Ave | single_family | 5 | 3 | 3,094 | $697,000 | 2025-12-22 |
| 22685 SW 131st Pl | single_family | 5 | 4 | 3,252 | $824,742 | 2025-10-31 |
| 13221 SW 220th St | single_family | 5 | 6 | 4,269 | $2,950,000 | 2025-09-17 |
| 19400 SW 232nd St | single_family | 5 | 4 | 4,078 | $2,000,000 | 2025-09-05 |
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 |
|---|---|---|---|---|---|---|
| SW 132nd Avenue and SW 223rd Street | single_family | 5 | 3 | 2,987 | $807,990 | — |
| 22555 SW 125th Ave | townhomes | 5 | 4 | — | $2,990,000 | — |
| 12933 SW 227th St | single_family | 5 | 3 | 2,066 | $765,000 | — |
| 18261 SW 224th St | single_family | 5 | 4 | 3,104 | $1,875,000 | — |
| 22555 SW 125th Ave Unit 13A | townhomes | 5 | 4 | — | $649,990 | — |
| 12900 SW 229th St | single_family | 5 | 4 | 3,252 | $760,000 | — |
| 22421 SW 184th Ave | single_family | 5 | 3 | 3,178 | $1,200,000 | — |
| 23120 SW 154th Ct | single_family | 5 | 4 | 2,850 | $1,024,999 | — |
10-year hold projection
IRR1.1%
Equity multiple1.19x
Total return (10yr)$230,057
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,337,970 | $40,878 | -$43,625 | $1,027,933 | $310,037 |
| 2 | $1,378,109 | $42,302 | -$42,311 | $1,015,892 | $362,217 |
| 3 | $1,419,452 | $43,773 | -$40,951 | $1,003,024 | $416,428 |
| 4 | $1,462,036 | $45,293 | -$39,546 | $989,272 | $472,764 |
| 5 | $1,505,897 | $46,864 | -$38,092 | $974,577 | $531,320 |
| 6 | $1,551,074 | $48,488 | -$36,589 | $958,872 | $592,202 |
| 7 | $1,597,606 | $50,166 | -$35,035 | $942,088 | $655,518 |
| 8 | $1,645,534 | $51,899 | -$33,428 | $924,152 | $721,382 |
| 9 | $1,694,900 | $53,691 | -$31,766 | $904,984 | $789,916 |
| 10 | $1,745,747 | $55,542 | -$30,048 | $884,500 | $861,247 |
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.