20076 SW 190th St
Miami, FL 33187 · single_family · For Sale · 63 days on market
Asking price$1,175,000
5 beds 3 baths 2,244 sqft
Suggested offer$678,810$496,190 above the est. market value of $678,810.
View on Realtor.com →Listed by NANCY J OBRIEN · Keyes - Homestead
Typesingle_family
Built1996
Price / sqft$524
Est. value (own analysis)$678,810
Rent estimate (own analysis)$7,500/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeWildfire5/10MajorFlood4/10moderate$Air2/10Minor
1 / 27
Show every detail
Statusfor_sale
Listed date2026-07-01
Removed date—
MLSMiamiMLS #A12046456
Coordinates25.58785, -80.51736
Address20076 SW 190th St
CityMiami
StateFL
Zip33187
Listing ID5523784537
Sourceus-real-estate-listings, cached 2026-08-25
ZIP market snapshot (33187)
Typical home value (ZHVI)$720,811
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 | $1,175,000 |
| Down payment (20.0%) | $235,000 |
| Loan amount | $940,000 |
| Closing costs (5.0%) | $58,750 |
| Total cash to close | $293,750 |
| Income | |
| Rent (comp-derived) | $7,500$90,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $6,900$82,800 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,860$22,325 |
| Insurance (est. scaled by flood & wind risk) | $1,253$15,040 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $375$4,500 |
| Total operating expenses | $3,489$41,865 |
| 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) | $375$4,500 |
| 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 | 6 | 3,996 | $16,500 | 2025-06-27 | — | |
| single_family | 5 | 5 | 3,803 | $7,500 | 2025-10-20 | — | |
| single_family | 5 | 3 | 3,312 | $6,500 | 2026-08-27 | — |
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 |
|---|---|---|---|---|---|---|
| 20076 SW 190th St | single_family | 5 | 3 | 2,244 | $1,135,000 | 2026-08-27 |
| 15288 SW 176th Ter | single_family | 5 | 5 | 3,396 | $800,000 | 2026-08-19 |
| 16933 SW 215th Ter | single_family | 5 | 4 | 3,243 | $950,000 | 2026-08-17 |
| 15100 SW 175th St | single_family | 5 | 3 | 3,128 | $1,010,000 | 2026-08-14 |
| 14864 SW 163rd Ter | single_family | 5 | 3 | 2,640 | $799,000 | 2026-07-31 |
| 15421 SW 158th St | single_family | 5 | 2 | 2,131 | $750,000 | 2026-06-29 |
| 16144 SW 148th Pl | single_family | 5 | 4 | 3,033 | $825,000 | 2026-06-18 |
| 15562 SW 177th Ter | single_family | 5 | 2 | 1,760 | $720,000 | 2026-06-02 |
| 17921 SW 149th Ct | single_family | 5 | 5 | 3,427 | $1,129,900 | 2026-05-15 |
| 15431 SW 171st St | single_family | 5 | 3 | 2,249 | $680,000 | 2026-05-13 |
| 14940 SW 164th Ter | single_family | 5 | 3 | 3,502 | $1,100,000 | 2026-03-02 |
| 14888 SW 163rd Ter | single_family | 5 | 4 | 3,033 | $825,000 | 2026-01-09 |
| 15210 SW 163rd St | single_family | 5 | 3 | 2,817 | $1,165,000 | 2025-12-17 |
| 15274 SW 173rd Ln | single_family | 5 | 3 | 2,444 | $697,000 | 2025-12-05 |
| 15451 SW 173rd Ln | single_family | 5 | 3 | 2,444 | $685,000 | 2025-12-05 |
| 16142 SW 148th Ave | single_family | 5 | 3 | 3,033 | $850,000 | 2025-11-24 |
| 17650 SW 154th Pl | single_family | 5 | 3 | 2,444 | $760,000 | 2025-11-13 |
| 16304 SW 147th Ct | single_family | 5 | 4 | 2,987 | $820,301 | 2025-11-04 |
| 15530 SW 152nd Ter | single_family | 5 | 2 | 2,332 | $915,000 | 2025-10-14 |
| 16262 SW 147th Pl | single_family | 5 | 3 | 3,033 | $893,300 | 2025-10-09 |
| 21200 SW 187th Ave | single_family | 5 | 3 | 2,268 | $920,000 | 2025-09-24 |
| 17970 SW 152nd Ave | single_family | 5 | 3 | 2,373 | $695,000 | 2025-09-16 |
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 |
|---|---|---|---|---|---|---|
| 15130 SW 164th Ter | single_family | 5 | 3 | 3,772 | $1,349,000 | — |
| 14832 SW 169th Ln | single_family | 5 | 3 | 2,230 | $950,000 | — |
| 16580 SW 173rd Ave | single_family | 5 | 5 | 3,937 | $2,892,000 | — |
| 15302 SW 180th Ter | single_family | 5 | 3 | 2,174 | $715,000 | — |
| 17795 SW 158th St | single_family | 5 | 3 | 4,396 | $2,799,999 | — |
| 14800 SW 166th St | single_family | 5 | 3 | 3,188 | $1,850,000 | — |
| 16400 SW 173rd Ave | single_family | 5 | 4 | 3,091 | $1,399,000 | — |
| 19520 SW 206th St | single_family | 5 | 4 | 3,094 | $1,249,999 | — |
10-year hold projection
IRR2.0%
Equity multiple1.32x
Total return (10yr)$248,915
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,210,250 | $40,935 | -$36,053 | $929,808 | $280,442 |
| 2 | $1,246,558 | $42,372 | -$34,728 | $918,917 | $327,641 |
| 3 | $1,283,954 | $43,858 | -$33,358 | $907,277 | $376,677 |
| 4 | $1,322,473 | $45,394 | -$31,941 | $894,839 | $427,634 |
| 5 | $1,362,147 | $46,981 | -$30,474 | $881,546 | $480,601 |
| 6 | $1,403,011 | $48,621 | -$28,958 | $867,340 | $535,671 |
| 7 | $1,445,102 | $50,317 | -$27,390 | $852,159 | $592,943 |
| 8 | $1,488,455 | $52,069 | -$25,768 | $835,935 | $652,520 |
| 9 | $1,533,108 | $53,880 | -$24,091 | $818,597 | $714,512 |
| 10 | $1,579,102 | $55,752 | -$22,357 | $800,068 | $779,033 |
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.