8820 SW 182nd Ter
Palmetto Bay, FL 33157 · single_family · For Sale · 42 days on market
Asking price$1,649,997
5 beds 3 baths 2,758 sqft
Suggested offer$1,231,254$418,743 above the est. market value of $1,231,254.
View on Realtor.com →Listed by Steven K. · beycome.com
Typesingle_family
Built1973
Price / sqft$598
Est. value (own analysis)$1,231,254
Rent estimate (own analysis)$7,000/mo
HOANone
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Statusfor_sale
Listed date2026-07-22
Removed date—
MLSMiamiMLS #A12058039
Coordinates25.60030, -80.33428
Address8820 SW 182nd Ter
CityPalmetto Bay
StateFL
Zip33157
Listing ID5438904092
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 | $1,649,997 |
| Down payment (20.0%) | $329,999 |
| Loan amount | $1,319,998 |
| Closing costs (5.0%) | $82,500 |
| Total cash to close | $412,499 |
| Income | |
| Rent (comp-derived) | $7,000$84,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $6,440$77,280 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $2,613$31,350 |
| Insurance (placeholder 0.8% of price) | $1,100$13,200 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $350$4,200 |
| Total operating expenses | $4,062$48,750 |
| 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) | $350$4,200 |
| 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 | 5 | 3 | 2,406 | $4,400 | 2026-07-03 | — | |
| single_family | 5 | 4 | 2,216 | $13,800 | 2026-08-27 | — | |
| single_family | 5 | 4 | 3,639 | $9,500 | 2026-02-26 | — | |
| single_family | 5 | 4 | 3,399 | $5,500 | 2026-06-06 | — | |
| single_family | 5 | 4 | 3,129 | $10,700 | 2026-08-31 | — | |
| single_family | 5 | 3 | 2,047 | $4,250 | 2026-07-28 | — | |
| single_family | 5 | 4 | 3,312 | $9,000 | 2026-06-25 | — | |
| single_family | 5 | 4 | 2,702 | $7,000 | 2026-07-13 | — | |
| single_family | 5 | 3 | 1,864 | $4,800 | 2026-05-28 | — |
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 |
|---|---|---|---|---|---|---|
| 10315 SW 200th St | single_family | 5 | 3 | 2,278 | $550,000 | 2026-08-28 |
| 8298 SW 173rd Ter | single_family | 5 | 5 | 3,047 | $1,680,000 | 2026-08-26 |
| 19711 Whispering Pines Rd | single_family | 5 | 2 | 2,130 | $699,000 | 2026-08-14 |
| 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 |
| 18601 SW 98th Ave | single_family | 5 | 3 | 2,176 | $645,000 | 2026-08-03 |
| 16085 SW 84th Pl | single_family | 5 | 3 | 3,102 | $1,600,000 | 2026-07-30 |
| 7605 SW 160th Ter | single_family | 5 | 3 | 3,248 | $1,400,000 | 2026-07-21 |
| 19528 SW 79th Pl | single_family | 5 | 4 | 3,061 | $850,000 | 2026-07-20 |
| 7613 SW 188th Ter | single_family | 5 | 4 | 4,717 | $1,100,000 | 2026-07-17 |
| 7786 SW 188th Ter | single_family | 5 | 4 | 3,945 | $1,339,000 | 2026-07-13 |
| 17721 SW 75th Ave | single_family | 5 | 3 | 3,610 | $1,650,000 | 2026-07-06 |
| 15210 SW 74th Ct | single_family | 5 | 5 | 3,963 | $1,790,000 | 2026-06-26 |
| 8513 SW 169th Ter | single_family | 5 | 4 | 3,517 | $1,799,000 | 2026-06-26 |
| 8765 SW 175th St | single_family | 5 | 4 | 2,337 | $1,685,000 | 2026-06-23 |
| 16230 SW 89th Ct | single_family | 5 | 4 | 3,209 | $1,476,000 | 2026-06-22 |
| 7944 SW 187th St | single_family | 5 | 3 | 2,935 | $1,185,000 | 2026-06-22 |
| 16723 SW 78th Pl | single_family | 5 | 4 | 3,535 | $1,600,000 | 2026-06-18 |
| 9078 SW 157th St | single_family | 5 | 3 | 3,696 | $400,000 | 2026-06-16 |
| 17914 SW 83rd Ct | single_family | 5 | 4 | 3,375 | $970,000 | 2026-06-16 |
| 19112 SW 95th Ave | single_family | 5 | 3 | 2,047 | $635,000 | 2026-06-15 |
| 7231 SW 174th St | single_family | 5 | 3 | 3,023 | $2,250,000 | 2026-06-15 |
| 16255 SW 82nd Ave | single_family | 5 | 4 | 2,970 | $1,925,000 | 2026-06-12 |
| 7720 SW 176th St | single_family | 5 | 4 | 3,282 | $1,500,000 | 2026-06-12 |
| 9805 Marlin Rd | single_family | 5 | 2 | 1,360 | $600,000 | 2026-06-05 |
| 7521 SW 175th St | single_family | 5 | 4 | 2,722 | $1,175,000 | 2026-06-05 |
| 8561 SW 167th Ter | single_family | 5 | 4 | 3,771 | $1,750,000 | 2026-06-04 |
| 7796 SW 193rd Ln | single_family | 5 | 4 | 3,459 | $900,000 | 2026-06-02 |
| 7996 SW 195th St | single_family | 5 | 5 | 3,982 | $1,085,000 | 2026-06-01 |
| 8255 SW 184th St | single_family | 5 | 6 | 6,122 | $3,175,000 | 2026-05-11 |
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 |
|---|---|---|---|---|---|---|
| 11600 SW 181st Ter | single_family | 5 | 4 | 2,200 | $685,000 | — |
| 10750 SW 173rd St | single_family | 5 | 3 | 2,685 | $699,999 | — |
| 10660 SW 164th St | single_family | 5 | 3 | 2,255 | $730,000 | — |
| 9710 SW 159th St | single_family | 5 | 4 | 2,161 | $700,000 | — |
| 10300 SW 155th St | single_family | 5 | 3 | 1,590 | $760,000 | — |
| 10215 SW 171st St | single_family | 5 | 4 | 2,210 | $600,000 | — |
| 15725 SW 102nd Pl | single_family | 5 | 3 | 2,060 | $699,000 | — |
| 11617 SW 171st St | single_family | 5 | 4 | 1,862 | $650,000 | — |
10-year hold projection
IRR-2.6%
Equity multiple0.57x
Total return (10yr)$38,752
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,699,497 | $28,530 | -$77,462 | $1,305,686 | $393,811 |
| 2 | $1,750,482 | $29,630 | -$76,467 | $1,290,391 | $460,090 |
| 3 | $1,802,996 | $30,768 | -$75,436 | $1,274,047 | $528,950 |
| 4 | $1,857,086 | $31,948 | -$74,367 | $1,256,579 | $600,507 |
| 5 | $1,912,799 | $33,169 | -$73,259 | $1,237,913 | $674,886 |
| 6 | $1,970,183 | $34,433 | -$72,111 | $1,217,964 | $752,219 |
| 7 | $2,029,288 | $35,741 | -$70,921 | $1,196,646 | $832,643 |
| 8 | $2,090,167 | $37,096 | -$69,688 | $1,173,863 | $916,304 |
| 9 | $2,152,872 | $38,499 | -$68,410 | $1,149,516 | $1,003,356 |
| 10 | $2,217,458 | $39,951 | -$67,086 | $1,123,498 | $1,093,960 |
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.