9900 SW 125th Ave
Miami, FL 33186 · single_family · For Sale · 327 days on market
Asking price$7,745,000
8 beds 9 baths 7,530 sqft
Suggested offer$2,912,228$4,832,773 above the est. market value of $2,912,228.
View on Realtor.com →Listed by Michael A Diaz · Miami Brokers Group
Typesingle_family
Built2025
Price / sqft$1029
Est. value (own analysis)$2,912,228
Rent estimate (Zillow ZIP avg)$2,574/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood3/10moderate$Wildfire3/10ModerateAir2/10Minor
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Statusfor_sale
Listed date2025-10-10
Removed date—
MLSMiamiMLS #A11893614
Coordinates25.67566, -80.39884
Address9900 SW 125th Ave
CityMiami
StateFL
Zip33186
Listing ID5503336907
Sourceus-real-estate-listings, cached 2026-09-02
ZIP market snapshot (33186)
Typical home value (ZHVI)$523,583
Typical rent (ZORI)$2,574/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 | $7,745,000 |
| Down payment (20.0%) | $1,549,000 |
| Loan amount | $6,196,000 |
| Closing costs (5.0%) | $387,250 |
| Total cash to close | $1,936,250 |
| Income | |
| Rent (ZIP avg, ZORI — not bedroom-specific) | $2,574$30,893 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,368$28,421 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $12,263$147,155 |
| Insurance (est. scaled by flood & wind risk) | $8,261$99,136 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $129$1,545 |
| Total operating expenses | $20,653$247,836 |
| 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) | $129$1,545 |
| 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 | 8 | 7 | 4,413 | $14,000 | 2026-07-21 | — | |
| single_family | 8 | 5 | 4,426 | $25,000 | 2025-10-21 | — |
Widened to any bedroom count in ZIP. 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 |
|---|---|---|---|---|---|---|
| 14249 SW 90th Ter | single_family | 3 | 2 | 1,810 | $670,000 | 2026-09-01 |
| 9623 SW 146th Pl | single_family | 3 | 2 | 1,154 | $500,000 | 2026-09-01 |
| 12338 SW 144th Ter | single_family | 3 | 2 | 1,350 | $490,000 | 2026-08-31 |
| 10612 SW 128th Pl | single_family | 4 | 3 | 2,003 | $750,000 | 2026-08-28 |
| 10241 SW 128th Ave | single_family | 4 | 3 | 1,968 | $760,000 | 2026-08-28 |
| 9709 SW 146th Ct | single_family | 3 | 2 | 1,154 | $495,000 | 2026-08-27 |
| 12845 SW 150th Ter | single_family | 2 | 2 | 1,273 | $519,000 | 2026-08-27 |
| 11455 SW 117th Ct | single_family | 3 | 3 | 1,589 | $560,000 | 2026-08-27 |
| 14525 SW 97th St | single_family | 5 | 3 | 1,882 | $605,000 | 2026-08-24 |
| 11937 SW 117th Ct | single_family | 3 | 2 | 1,648 | $520,000 | 2026-08-24 |
| 14441 SW 108th Ter | single_family | 4 | 2 | 1,788 | $550,000 | 2026-08-21 |
| 10901 SW 140th Ave | single_family | 3 | 2 | 2,026 | $810,000 | 2026-08-20 |
| 12687 SW 146th St | single_family | 4 | 2 | 1,900 | $500,000 | 2026-08-20 |
| 11855 SW 102nd St | single_family | 3 | 3 | 1,622 | $642,000 | 2026-08-20 |
| 10310 SW 128th Ave | single_family | 3 | 2 | 1,947 | $850,000 | 2026-08-18 |
| 14315 SW 101st St | single_family | 3 | 2 | 1,522 | $630,000 | 2026-08-18 |
| 13370 SW 99th Ter | single_family | 3 | 2 | 1,695 | $850,000 | 2026-08-14 |
| 13455 SW 104th Ter | single_family | 4 | 2 | 1,897 | $815,000 | 2026-08-14 |
| 10615 SW 129th Ct | single_family | 4 | 4 | 1,887 | $830,000 | 2026-08-14 |
| 10932 SW 135th Court Cir | single_family | 2 | 2 | 1,383 | $532,000 | 2026-08-12 |
| 14958 SW 143rd Pl | single_family | 3 | 2 | 1,704 | $660,000 | 2026-08-11 |
| 11541 SW 142nd Pl | single_family | 3 | 2 | 1,331 | $630,000 | 2026-08-07 |
| 11745 SW 116th Ter | single_family | 3 | 2 | 1,572 | $620,000 | 2026-08-07 |
| 10262 SW 127th Pl | single_family | 3 | 2 | 1,557 | $680,000 | 2026-08-06 |
| 10029 SW 146th Pl | single_family | 3 | 3 | 1,947 | $600,000 | 2026-08-04 |
| 12835 SW 119th Ter | single_family | 3 | 2 | 1,751 | $801,000 | 2026-07-31 |
| 10940 SW 143rd Ct | single_family | 4 | 2 | 1,645 | $625,000 | 2026-07-31 |
| 12608 SW 121st Ave | single_family | 3 | 2 | 1,570 | $680,000 | 2026-07-31 |
| 12825 SW 116th St | single_family | 3 | 3 | 1,776 | $768,000 | 2026-07-31 |
| 14600 SW 124th Pl | single_family | 4 | 2 | 1,230 | $480,000 | 2026-07-30 |
| 12035 SW 117th Ter | single_family | 3 | 2 | 1,222 | $515,000 | 2026-07-30 |
| 10724 SW 145th Ave | single_family | 3 | 2 | 1,729 | $585,000 | 2026-07-29 |
| 13348 SW 144th Ter | single_family | 4 | 2 | 2,174 | $730,000 | 2026-07-24 |
| 12410 SW 106th Ter | single_family | 4 | 2 | 1,700 | $765,000 | 2026-07-24 |
| 14756 SW 132nd Ave | single_family | 4 | 3 | 2,422 | $725,000 | 2026-07-23 |
| 10460 SW 123rd Ct | single_family | 3 | 2 | 1,823 | $785,000 | 2026-07-22 |
| 10904 SW 146th Pl | single_family | 3 | 2 | 1,146 | $480,000 | 2026-07-21 |
| 11031 SW 141st Ave | single_family | 4 | 2 | 2,166 | $650,000 | 2026-07-20 |
| 14475 SW 127th Ct | single_family | 3 | 2 | 1,479 | $555,000 | 2026-07-17 |
| 11806 SW 102nd St | single_family | 3 | 2 | 1,364 | $545,000 | 2026-07-17 |
| 13224 SW 108th Street Cir | single_family | 3 | 2 | 1,505 | $589,500 | 2026-07-17 |
| 14803 SW 132nd Ave | single_family | 4 | 3 | 2,399 | $650,000 | 2026-07-17 |
| 13661 SW 119th Ave | single_family | 4 | 3 | 2,152 | $649,990 | 2026-07-16 |
| 14638 SW 128th Court Rd | single_family | 3 | 2 | 1,239 | $525,000 | 2026-07-15 |
| 10520 SW 142nd Ave | single_family | 4 | 2 | 1,956 | $675,000 | 2026-07-15 |
| 10180 SW 146th Ave | single_family | 4 | 2 | 1,765 | $600,000 | 2026-07-14 |
| 11776 SW 90th Ter | single_family | 4 | 3 | 2,416 | $800,000 | 2026-07-14 |
| 14759 SW 132nd Pl | single_family | 4 | 3 | 2,415 | $770,000 | 2026-07-09 |
| 9356 SW 144th Ct | single_family | 4 | 2 | 2,032 | $560,000 | 2026-07-09 |
| 12423 SW 123rd Ter | single_family | 4 | 3 | 1,793 | $540,000 | 2026-07-07 |
Widened to city-wide. 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 |
|---|---|---|---|---|---|---|
| 12401 SW 45th St | single_family | 8 | 11 | 9,196 | $6,490,000 | — |
| 10201 SW 64th St | single_family | 8 | 6 | 7,061 | $5,499,000 | — |
| 251 NW 57th Ave | multi_family | 8 | 6 | 3,768 | $1,970,000 | — |
| 10128 W Fern St | multi_family | 8 | 5 | 3,255 | $1,200,000 | — |
| 10120 W Fern St | multi_family | 8 | 5 | 3,255 | $1,200,000 | — |
| 12080 and 12090 SW 213th St | multi_family | 8 | 4 | 2,877 | $1,049,000 | — |
| 18105 SW 158th St | single_family | 8 | 10 | — | $11,500,000 | — |
| 7100 NW 1st Ter | multi_family | 8 | 4 | 3,531 | $899,999 | — |
10-year hold projection
IRR-13.9%
Equity multiple-1.41x
Total return (10yr)-$3,660,151
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $7,977,350 | -$219,414 | -$698,765 | $6,128,822 | $1,848,528 |
| 2 | $8,216,671 | -$224,758 | -$704,147 | $6,057,030 | $2,159,640 |
| 3 | $8,463,171 | -$230,230 | -$709,659 | $5,980,309 | $2,482,862 |
| 4 | $8,717,066 | -$235,835 | -$715,305 | $5,898,318 | $2,818,747 |
| 5 | $8,978,578 | -$241,576 | -$721,087 | $5,810,698 | $3,167,880 |
| 6 | $9,247,935 | -$247,455 | -$727,009 | $5,717,061 | $3,530,875 |
| 7 | $9,525,373 | -$253,477 | -$733,074 | $5,616,993 | $3,908,380 |
| 8 | $9,811,134 | -$259,644 | -$739,286 | $5,510,053 | $4,301,081 |
| 9 | $10,105,468 | -$265,960 | -$745,648 | $5,395,770 | $4,709,698 |
| 10 | $10,408,632 | -$272,429 | -$752,164 | $5,273,640 | $5,134,993 |
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.