13463 SW 66th Ter

Miami, FL 33183 · single_family · For Sale · 89 days on market
Asking price$829,000
4 beds 3 baths 2,744 sqft
View on Realtor.com →
Listed by Maria Salinas · Coldwell Banker Realty
Typesingle_family
Built1976
Price / sqft$302
Est. value (own analysis)$1,146,388
Rent estimate (own analysis)$5,500/mo
HOANone
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Neighborhood

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Statusfor_sale
Listed date2026-06-05
Removed date
MLSMiamiMLS #A12024567
Coordinates25.70476, -80.41171
Address13463 SW 66th Ter
CityMiami
StateFL
Zip33183
Listing ID5508341915
Sourceus-real-estate-listings, cached 2026-09-02

ZIP market snapshot (33183)

Typical home value (ZHVI)$399,570
Typical rent (ZORI)$2,514/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)

Purchase price$829,000
Down payment (20.0%)$165,800
Loan amount$663,200
Closing costs (5.0%)$41,450
Total cash to close$207,250
Rent (comp-derived)$5,500$66,000
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$66,000
Vacancy rate (assumption) assumption8.0%

$66,000 × 8.0% = $5,280

Effective gross income$5,060$60,720
Property tax (placeholder 1.9% of price)$1,313$15,751
Insurance (placeholder 0.8% of price)$553$6,632
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$275$3,300
Total operating expenses$2,140$25,683
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$60,720
Total operating expenses derived$25,683

$60,720 − $25,683 = $35,037

Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$663,200
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$663,200 amortized at 6.7% over 30 years = $4,262/mo

CapEx reserve (5.0% of GSR)$275$3,300
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)$0$0
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$35,037
Annual debt service derived$51,143
Annual CapEx reserve assumption$3,300
Annual PMI assumption$0

($35,037 − $51,143 − $3,300 − $0) ÷ 12 = -$1,617

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$35,037
Purchase price data$829,000

$35,037 ÷ $829,000 = 4.2%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$19,406
Total cash to close derived$207,250

-$19,406 ÷ $207,250 = -9.4%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$35,037
Annual debt service derived$51,143

$35,037 ÷ $51,143 = 0.69

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$66,000
Purchase price data$829,000

($66,000 ÷ 12) ÷ $829,000 = 0.7%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$829,000
Gross scheduled rent (annual) comp$66,000

$829,000 ÷ $66,000 = 12.6

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$25,683
Effective gross income derived$60,720

$25,683 ÷ $60,720 = 42.3%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$25,683
Annual debt service derived$51,143
Annual PMI assumption$0
Gross scheduled rent (annual) comp$66,000

($25,683 + $51,143 + $0) ÷ $66,000 = 116.4%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family432,622$18,4032026-07-10
single_family431,796$5,5002026-06-05
single_family421,786$4,4002026-05-01

12401 SW 77th St Unit 12401

Miami, 33183 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,622
Listed2026-07-10
Days on market

Asking rent: $18,403

View on Zillow →

13611 SW 77th St Unit Home

Miami, 33183 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage1,796
Listed2026-06-05
Days on market

Asking rent: $5,500

View on Zillow →

13412 SW 68th Ter Unit 0

Miami, 33183 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,786
Listed2026-05-01
Days on market

Asking rent: $4,400

View on Zillow →

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.

AddressTypeBedsBathsLiving sqftSale priceSale date
14250 SW 85th Stsingle_family431,763$850,0002026-08-10
14241 SW 83rd Stsingle_family421,864$900,0002026-07-08
13242 SW 62nd Tersingle_family421,726$550,0002026-06-12
14245 SW 75th Tersingle_family421,824$570,0002026-06-10
7104 SW 132nd Ctsingle_family421,330$660,0002026-06-01
13741 SW 72nd Tersingle_family421,757$820,0002026-05-29
13274 SW 62nd Tersingle_family421,694$650,0002026-05-26
12930 SW 83rd Stsingle_family422,135$760,0002026-05-12
7755 SW 127th Ctsingle_family422,097$815,0002026-05-06
6103 SW 130th Avesingle_family421,880$630,0002026-05-01
13800 SW 73rd Stsingle_family431,300$670,0002026-04-30
13100 SW 83rd Stsingle_family421,385$722,5002026-04-17
14530 SW 77th Stsingle_family421,895$780,0002026-04-13
12005 SW 64th Stsingle_family434,545$4,150,0002026-04-10
14634 SW 59th Tersingle_family422,070$660,0002026-03-23
13605 SW 73rd Tersingle_family421,537$680,0002026-03-12
12728 SW 64th Tersingle_family431,819$750,0002026-02-09
7202 SW 123rd Plsingle_family44$1,650,0002026-01-28
12745 SW 64th Tersingle_family431,819$725,0002026-01-28
13061 SW 56th Tersingle_family421,850$585,0002026-01-27
7464 SW 128th Ctsingle_family421,543$725,0002026-01-12
13860 SW 74th Stsingle_family431,772$750,0002025-12-30
7230 SW 131st Avesingle_family421,612$700,0002025-12-29
14263 SW 76th Stsingle_family421,809$800,0002025-12-24
7302 SW 134th Plsingle_family421,650$785,0002025-12-23
14250 SW 71st Lnsingle_family422,238$845,0002025-12-16
7435 SW 146th Ctsingle_family421,836$725,0002025-12-15
12617 SW 73rd Tersingle_family442,830$1,500,0002025-11-26
11919 SW 72nd Tersingle_family432,548$1,420,0002025-11-06
7315 SW 127th Ctsingle_family431,612$640,0002025-11-04
6740 SW 135th Avesingle_family431,681$765,0002025-10-23
12022 SW 77th Tersingle_family433,832$1,800,0002025-10-23
5701 SW 130th Plsingle_family432,226$555,0002025-10-20
13250 SW 67th Stsingle_family42$670,0002025-10-14
7791 SW 138th Plsingle_family421,825$628,2002025-10-03
12743 SW 61st Tersingle_family431,819$650,0002025-09-29
13500 SW 79th Stsingle_family423,152$950,0002025-09-12
13940 SW 74th Stsingle_family431,881$1,060,0002025-09-08

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.

AddressTypeBedsBathsSqftAsking priceDays on market
12019 SW 77th Tersingle_family443,129$1,549,000
13611 SW 77th Stsingle_family431,796$899,000
14359 Kendale Lakes Cirtownhomes431,934$459,777
5672 SW 130th Avesingle_family441,892$675,000
14011 SW 74th Tersingle_family421,873$939,900
12900 SW 81st Stsingle_family422,052$765,000
7450 SW 130th Avesingle_family432,003$715,000
14101 SW 66th St Apt A2townhomes441,641$479,000

10-year hold projection

IRR4.1%
Equity multiple1.65x
Total return (10yr)$243,784
YearProperty valueNOICash flowLoan balanceEquity
1$853,870$35,037-$19,406$656,009$197,861
2$879,486$36,217-$18,309$648,325$231,161
3$905,871$37,435-$17,175$640,113$265,758
4$933,047$38,693-$16,004$631,337$301,710
5$961,038$39,992-$14,794$621,959$339,080
6$989,869$41,333-$13,543$611,936$377,933
7$1,019,565$42,718-$12,251$601,225$418,340
8$1,050,152$44,149-$10,917$589,779$460,374
9$1,081,657$45,626-$9,537$577,546$504,111
10$1,114,107$47,151-$8,113$564,474$549,633
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.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.