10185 Collins Ave Apt 502
Bal Harbour, FL 33154 · condos · For Sale · 154 days on market
Asking price$500,000
1 beds 1 baths 1,019 sqft
Listed by Leo Montero · Golden View Real Estate & Investments, LLC.
Typecondos
Built1965
Price / sqft$491
Est. value (own analysis)$503,614
Rent estimate (own analysis)$3,375/mo
HOA$1,400/mo
Wind10/10Extreme$Heat10/10ExtremeFlood8/10severe$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-04-01
Removed date—
MLSMiamiMLS #A11993427
Coordinates25.89434, -80.12315
Address10185 Collins Ave Apt 502
CityBal Harbour
StateFL
Zip33154
Listing ID5454549490
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33154)
Typical home value (ZHVI)$1,230,561
Typical rent (ZORI)$4,738/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 | $500,000 |
| Down payment (20.0%) | $100,000 |
| Loan amount | $400,000 |
| Closing costs (5.0%) | $25,000 |
| Total cash to close | $125,000 |
| Income | |
| Rent (comp-derived) | $3,375$40,500 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,105$37,260 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $792$9,500 |
| Insurance (est. scaled by flood & wind risk) | $650$7,800 |
| HOA dues | $1,400$16,800 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $169$2,025 |
| Total operating expenses | $3,010$36,125 |
| 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) | $169$2,025 |
| 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 |
|---|---|---|---|---|---|---|---|
| apartment | 1 | 1 | 800 | $2,145 | 2025-01-09 | — | |
| apartment | 1 | 1 | 800 | $2,095 | 2026-08-22 | — | |
| apartment | 1 | 1 | 715 | $2,195 | 2025-04-26 | — | |
| apartment | 1 | 1 | 900 | $1,850 | 2023-07-15 | — | |
| condos | 1 | 1 | 978 | $2,500 | 2025-12-31 | — | |
| condos | 1 | 1 | 767 | $2,100 | 2026-06-09 | — | |
| condos | 1 | 2 | 895 | $2,300 | 2026-05-05 | — | |
| condos | 1 | 1 | 800 | $2,550 | 2026-08-05 | — | |
| apartment | 1 | 1 | 712 | $1,895 | 2026-07-28 | — | |
| condos | 1 | 1 | 905 | $2,750 | 2026-05-08 | — | |
| apartment | 1 | 1 | 826 | $2,200 | 2026-08-25 | — | |
| apartment | 1 | 1 | 680 | $1,895 | 2026-07-27 | — | |
| condos | 1 | 2 | 1,275 | $2,000 | 2026-06-17 | — | |
| condos | 1 | 2 | 962 | $3,000 | 2026-08-05 | — | |
| apartment | 1 | 1 | 712 | $1,895 | 2026-07-27 | — | |
| condos | 1 | 2 | 1,221 | $12,000 | 2026-08-27 | — | |
| condos | 1 | 2 | 896 | $6,000 | 2026-08-27 | — | |
| apartment | 1 | 1 | 706 | $2,300 | 2026-08-20 | — | |
| condos | 1 | 2 | 848 | $2,725 | 2026-01-12 | — | |
| condos | 1 | 1 | 849 | $2,500 | 2026-05-20 | — | |
| apartment | 1 | 1 | 700 | $2,200 | 2026-06-09 | — | |
| condos | 1 | 1 | 720 | $2,450 | 2026-05-11 | — | |
| condos | 1 | 2 | 1,031 | $5,700 | 2026-03-10 | — | |
| condos | 1 | 2 | 896 | $3,500 | 2026-08-13 | — | |
| condos | 1 | 2 | 929 | $3,450 | 2026-05-19 | — | |
| condos | 1 | 2 | 975 | $3,400 | 2026-06-17 | — | |
| condos | 1 | 1 | 882 | $2,100 | 2026-02-10 | — | |
| condos | 1 | 2 | 730 | $2,400 | 2026-04-13 | — | |
| condos | 1 | 2 | 962 | $2,750 | 2026-08-06 | — | |
| condos | 1 | 1 | 1,015 | $3,000 | 2026-06-25 | — | |
| condos | 1 | 2 | 830 | $2,500 | 2026-08-17 | — | |
| condos | 1 | 2 | 964 | $4,350 | 2026-08-13 | — | |
| condos | 1 | 1 | 950 | $2,650 | 2026-05-12 | — | |
| apartment | 1 | 1 | 752 | $1,895 | 2026-07-27 | — | |
| condos | 1 | 1 | 1,019 | $3,300 | 2026-07-15 | — | |
| apartment | 1 | 1 | 750 | $1,900 | 2026-06-23 | — | |
| condos | 1 | 1 | 1,015 | $3,500 | 2026-07-16 | — | |
| condos | 1 | 2 | 928 | $2,100 | 2026-05-31 | — | |
| condos | 1 | 1 | 860 | $2,600 | 2026-04-01 | — | |
| condos | 1 | 2 | 896 | $4,100 | 2026-08-11 | — | |
| condos | 1 | 2 | 962 | $2,900 | 2026-06-05 | — | |
| condos | 1 | 1 | 905 | $3,600 | 2026-03-30 | — | |
| condos | 1 | 2 | 1,164 | $4,700 | 2026-08-03 | — | |
| apartment | 1 | 1 | 800 | $2,200 | 2026-04-20 | — | |
| condos | 1 | 2 | 918 | $2,850 | 2026-06-08 | — | |
| condos | 1 | 2 | 1,267 | $13,950 | 2026-01-07 | — | |
| condos | 1 | 1 | 905 | $2,800 | 2026-08-11 | — | |
| condos | 1 | 2 | 896 | $4,000 | 2026-08-06 | — | |
| condos | 1 | 2 | 851 | $13,500 | 2026-04-08 | — | |
| apartment | 1 | 1 | 800 | $2,200 | 2026-05-26 | — | |
| condos | 1 | 2 | 840 | $2,400 | 2026-06-30 | — | |
| condos | 1 | 2 | 850 | $2,200 | 2026-06-03 | — | |
| condos | 1 | 2 | 896 | $4,100 | 2026-07-20 | — | |
| condos | 1 | 2 | 1,164 | $4,750 | 2026-07-21 | — | |
| condos | 1 | 1 | 1,019 | $3,500 | 2026-06-23 | — | |
| condos | 1 | 2 | 896 | $4,600 | 2026-07-14 | — | |
| condos | 1 | 1 | 745 | $2,850 | 2026-08-05 | — | |
| apartment | 1 | 1 | 800 | $2,350 | 2026-05-26 | — | |
| condos | 1 | 2 | 824 | $3,200 | 2026-07-28 | — | |
| condos | 1 | 2 | 962 | $3,350 | 2026-08-17 | — | |
| condos | 1 | 1 | 950 | $3,000 | 2026-07-01 | — | |
| apartment | 1 | 1 | 712 | $1,895 | 2026-07-27 | — | |
| condos | 1 | 2 | 1,150 | $3,700 | 2026-03-11 | — | |
| condos | 1 | 2 | 750 | $2,500 | 2026-08-11 | — | |
| condos | 1 | 2 | 929 | $3,695 | 2025-11-05 | — | |
| condos | 1 | 2 | 929 | $3,600 | 2026-05-14 | — | |
| condos | 1 | 2 | 1,040 | $3,200 | 2026-05-12 | — | |
| condos | 1 | 1 | 905 | $6,000 | 2026-05-19 | — | |
| condos | 1 | 2 | 1,150 | $8,200 | 2026-06-04 | — | |
| condos | 1 | 2 | 851 | $11,500 | 2026-03-06 | — | |
| apartment | 1 | 2 | 993 | $4,000 | 2026-06-30 | — | |
| condos | 1 | 1 | 860 | $3,950 | 2026-04-06 | — | |
| condos | 1 | 2 | 927 | $5,500 | 2026-07-16 | — | |
| condos | 1 | 1 | 780 | $3,500 | 2026-03-31 | — | |
| condos | 1 | 1 | 800 | $3,075 | 2026-03-12 | — | |
| condos | 1 | 2 | 896 | $4,500 | 2026-04-02 | — | |
| condos | 1 | 2 | 1,150 | $3,000 | 2025-04-17 | — | |
| condos | 1 | 2 | 896 | $3,900 | 2026-04-27 | — | |
| condos | 1 | 2 | 896 | $6,800 | 2026-05-27 | — | |
| condos | 1 | 2 | 1,147 | $27,500 | 2025-01-23 | — | |
| condos | 1 | 2 | 1,150 | $5,000 | 2026-07-20 | — | |
| condos | 1 | 2 | 964 | $7,900 | 2026-07-21 | — | |
| condos | 1 | 2 | 994 | $5,000 | 2026-05-11 | — | |
| condos | 1 | 2 | 896 | $5,000 | 2026-06-17 | — | |
| condos | 1 | 2 | 1,195 | $4,000 | 2026-07-15 | — | |
| condos | 1 | 2 | 896 | $4,400 | 2026-01-26 | — | |
| condos | 1 | 2 | 896 | $4,400 | 2026-05-20 | — | |
| condos | 1 | 2 | 896 | $5,700 | 2026-08-07 | — | |
| condos | 1 | 2 | 1,150 | $10,000 | 2026-06-01 | — | |
| condos | 1 | 2 | 1,147 | $27,500 | 2023-12-14 | — | |
| condos | 1 | 2 | 1,221 | $12,000 | — | — | |
| apartment | 1 | 1 | 700 | $1,900 | 2026-03-23 | — | |
| apartment | 1 | 2 | 993 | $4,200 | 2026-07-14 | — | |
| condos | 1 | 2 | 1,164 | $4,700 | — | — | |
| condos | 1 | 2 | 1,164 | $4,700 | — | — | |
| condos | 1 | 2 | 962 | $3,000 | — | — | |
| condos | 1 | 2 | 962 | $3,350 | — | — | |
| condos | 1 | 1 | 1,015 | $3,500 | — | — | |
| apartment | 1 | 1 | 860 | $3,900 | — | — | |
| condos | 1 | 1 | 1,019 | $3,300 | — | — | |
| condos | 1 | 2 | 980 | $5,750 | — | — | |
| condos | 1 | 2 | 896 | $3,900 | — | — | |
| condos | 1 | 3 | 980 | $5,750 | — | — | |
| condos | 1 | 2 | 964 | $7,900 | — | — | |
| condos | 1 | 2 | 830 | $3,600 | 2026-08-28 | — | |
| condos | 1 | 2 | 896 | $5,000 | 2026-07-21 | — | |
| condos | 1 | 2 | 900 | $2,500 | 2026-08-31 | — | |
| condos | 1 | 2 | 918 | $2,500 | 2026-09-01 | — |
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 |
|---|---|---|---|---|---|---|
| 9800 W Bay Harbor Dr Apt 602 | condos | 1 | 2 | 895 | $540,000 | 2026-08-27 |
| 1070 98th St Apt 14 | condos | 1 | 1 | 530 | $215,000 | 2026-08-25 |
| 10350 W Bay Harbor Dr Apt 4T | condos | 1 | 1 | 950 | $400,000 | 2026-08-24 |
| 10275 Collins Ave Apt 915 | condos | 1 | 2 | 896 | $800,000 | 2026-08-20 |
| 9700 E Bay Harbor Dr Apt 406 | condos | 1 | 2 | 919 | $255,000 | 2026-08-05 |
| 9500 W Bay Harbor Dr Apt 6B | condos | 1 | 2 | 975 | $495,000 | 2026-07-17 |
| 9225 Collins Ave Apt 1409 | condos | 1 | 2 | 918 | $400,000 | 2026-07-10 |
| 10275 Collins Ave Apt 724 | condos | 1 | 2 | 896 | $718,000 | 2026-06-25 |
| 10275 Collins Ave Apt 429 | condos | 1 | 2 | 896 | $610,000 | 2026-06-23 |
| 10275 Collins Ave Apt 529 | condos | 1 | 2 | 896 | $592,500 | 2026-06-22 |
| 10350 W Bay Harbor Dr Apt 10K | condos | 1 | 1 | 950 | $295,000 | 2026-06-17 |
| 9700 E Bay Harbor Dr Apt 505 | condos | 1 | 2 | 919 | $242,500 | 2026-06-01 |
| 1177 Kane Concourse Unit 702 | condos | 1 | 2 | 1,150 | $1,662,500 | 2026-05-18 |
| 1177 Kane Concourse Unit 802 | condos | 1 | 2 | 1,150 | $1,835,000 | 2026-05-18 |
| 8888 Collins Ave Apt 318 | condos | 1 | 2 | 810 | $375,000 | 2026-05-15 |
| 9140 Collins Ave Apt C | condos | 1 | 1 | 560 | $240,000 | 2026-04-29 |
| 10185 Collins Ave Apt 410 | condos | 1 | 1 | 1,019 | $270,000 | 2026-04-23 |
| 10185 Collins Ave Apt 1002 | condos | 1 | 1 | 1,019 | $405,000 | 2026-04-07 |
| 9195 Collins Ave Ph 14 | condos | 1 | 1 | 860 | $520,000 | 2026-04-01 |
| 9511 Collins Ave Apt 806 | condos | 1 | 2 | 929 | $560,000 | 2026-03-24 |
| 9102 W Bay Harbor Dr Unit 6B | condos | 1 | 2 | 1,150 | $470,000 | 2026-03-06 |
| 20 Park Dr Apt 7 | condos | 1 | 1 | 779 | $360,000 | 2026-02-27 |
| 9511 Collins Ave Apt 606 | condos | 1 | 2 | 929 | $480,000 | 2026-02-13 |
| 10203 Collins Ave Unit 903 | condos | 1 | 2 | 1,632 | $3,700,000 | 2026-02-10 |
| 9500 W Bay Harbor Dr Apt 6F | condos | 1 | 2 | 975 | $270,000 | 2026-02-09 |
| 10275 Collins Ave Apt 929 | condos | 1 | 2 | 896 | $680,000 | 2026-02-09 |
| 9381 E Bay Harbor Dr Apt 501S | condos | 1 | 2 | 1,040 | $350,000 | 2026-01-31 |
| 10295 Collins Ave Unit 312 | condos | 1 | 1 | 510 | $630,000 | 2026-01-21 |
| 20 Park Dr Apt 2 | condos | 1 | 1 | 779 | $385,000 | 2026-01-15 |
| 9195 Collins Ave Apt 404 | condos | 1 | 1 | 905 | $475,000 | 2025-12-12 |
| 10178 Collins Ave Apt 102 | condos | 1 | 1 | 800 | $303,500 | 2025-12-12 |
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 |
|---|---|---|---|---|---|---|
| 9195 Collins Ave Apt 1109 | condos | 1 | 1 | 905 | $999,000 | — |
| 10185 Collins Ave Apt 1223 | condos | 1 | 2 | 993 | $850,000 | — |
| 10001 W Bay Harbor Dr Apt 202 | condos | 1 | 1 | 846 | $276,000 | — |
| 10275 Collins Ave Apt 527 | condos | 1 | 2 | 896 | $649,000 | — |
| 10210 Collins Ave Apt 303 | condos | 1 | 2 | 986 | $450,000 | — |
| 8888 Collins Ave Apt 206 | condos | 1 | 1 | 750 | $369,000 | — |
| 9225 Collins Ave Apt 610 | condos | 1 | 2 | 918 | $428,000 | — |
| 10350 W Bay Harbor Dr Apt 5E | condos | 1 | 1 | 950 | $349,000 | — |
10-year hold projection
IRR-6.8%
Equity multiple-0.14x
Total return (10yr)-$77,222
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $515,000 | $1,135 | -$31,736 | $395,663 | $119,337 |
| 2 | $530,450 | $1,350 | -$31,572 | $391,028 | $139,422 |
| 3 | $546,364 | $1,575 | -$31,398 | $386,075 | $160,288 |
| 4 | $562,754 | $1,812 | -$31,214 | $380,782 | $181,972 |
| 5 | $579,637 | $2,061 | -$31,020 | $375,126 | $204,512 |
| 6 | $597,026 | $2,322 | -$30,815 | $369,080 | $227,946 |
| 7 | $614,937 | $2,596 | -$30,598 | $362,620 | $252,317 |
| 8 | $633,385 | $2,884 | -$30,369 | $355,716 | $277,669 |
| 9 | $652,387 | $3,185 | -$30,128 | $348,339 | $304,048 |
| 10 | $671,958 | $3,501 | -$29,874 | $340,454 | $331,504 |
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.