11769 SW 92nd Ln
Miami, FL 33186 · single_family · For Sale · 89 days on market
Asking price$649,000
2 beds 2 baths 1,154 sqft
Suggested offer$443,910$205,090 above the est. market value of $443,910.
View on Realtor.com →Listed by Issabella Silverstein · RE/MAX Advance Realty II
Typesingle_family
Built1987
Price / sqft$562
Est. value (own analysis)$443,910
Rent estimate (own analysis)$2,800/mo
HOA$145/mo
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Statusfor_sale
Listed date2026-06-06
Removed date—
MLSMiamiMLS #A12032231
Coordinates25.68230, -80.38652
Address11769 SW 92nd Ln
CityMiami
StateFL
Zip33186
Listing ID5549472143
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 | $649,000 |
| Down payment (20.0%) | $129,800 |
| Loan amount | $519,200 |
| Closing costs (5.0%) | $32,450 |
| Total cash to close | $162,250 |
| Income | |
| Rent (comp-derived) | $2,800$33,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,576$30,912 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,028$12,331 |
| Insurance (placeholder 0.8% of price) | $433$5,192 |
| HOA dues | $145$1,740 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $140$1,680 |
| Total operating expenses | $1,745$20,943 |
| 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) | $140$1,680 |
| 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 | 2 | 2 | 928 | $2,800 | 2026-08-21 | — | |
| single_family | 2 | 2 | 1,240 | $2,275 | 2026-08-20 | — | |
| single_family | 2 | 2 | 1,252 | $2,800 | 2026-08-18 | — | |
| single_family | 2 | 2 | 935 | $2,100 | 2026-08-14 | — | |
| single_family | 2 | 1 | 1,104 | $2,500 | 2026-08-13 | — | |
| single_family | 2 | 2 | 1,205 | $3,400 | 2026-08-12 | — | |
| single_family | 2 | 2 | 1,380 | $3,000 | 2026-08-12 | — |
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 |
|---|---|---|---|---|---|---|
| 12845 SW 150th Ter | single_family | 2 | 2 | 1,273 | $519,000 | 2026-08-27 |
| 10932 SW 135th Court Cir | single_family | 2 | 2 | 1,383 | $532,000 | 2026-08-12 |
| 13440 SW 108th Street Cir N | single_family | 2 | 2 | 1,173 | $475,000 | 2026-06-22 |
| 11727 SW 132nd Pl | single_family | 2 | 1 | 1,362 | $550,000 | 2026-05-26 |
| 10828 SW 132nd Circle Ct | single_family | 2 | 2 | 1,173 | $419,000 | 2026-05-18 |
| 15109 SW 141st Ct | single_family | 2 | 2 | 1,562 | $550,000 | 2026-05-01 |
| 14911 SW 139th Pl | single_family | 2 | 2 | 1,522 | $570,000 | 2026-04-15 |
| 14642 SW 128th Court Rd | single_family | 2 | 2 | 1,380 | $590,000 | 2026-03-05 |
| 11708 SW 114th Ter | single_family | 2 | 1 | 1,299 | $300,000 | 2026-03-04 |
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 |
|---|---|---|---|---|---|---|
| 12922 SW 88th Ter Unit B206 | condos | 2 | 2 | 921 | $312,000 | — |
| 13380 SW 91st Ter Apt E | townhomes | 2 | 2 | 1,465 | $488,900 | — |
| 9255 SW 125th Ave Apt 310R | condos | 2 | 2 | 965 | $285,000 | — |
| 14353 SW 150th Ter | single_family | 2 | 2 | 1,249 | $498,000 | — |
| 11855 SW 99th St | townhomes | 2 | 2 | 1,192 | $399,999 | — |
| 13504 SW 102nd Ln | townhomes | 2 | 2 | 1,222 | $475,000 | — |
| 11209 SW 125th Pl | townhomes | 2 | 2 | 1,101 | $400,000 | — |
| 13250 SW 88th Ter N Unit 303 | condos | 2 | 2 | 939 | $295,000 | — |
10-year hold projection
IRR-3.1%
Equity multiple0.48x
Total return (10yr)$1,027
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $668,470 | $9,969 | -$31,749 | $513,571 | $154,899 |
| 2 | $688,524 | $10,373 | -$31,387 | $507,555 | $180,969 |
| 3 | $709,180 | $10,791 | -$31,012 | $501,126 | $208,054 |
| 4 | $730,455 | $11,225 | -$30,622 | $494,255 | $236,200 |
| 5 | $752,369 | $11,675 | -$30,218 | $486,913 | $265,456 |
| 6 | $774,940 | $12,140 | -$29,799 | $479,067 | $295,873 |
| 7 | $798,188 | $12,623 | -$29,363 | $470,681 | $327,507 |
| 8 | $822,134 | $13,123 | -$28,912 | $461,720 | $360,414 |
| 9 | $846,798 | $13,641 | -$28,444 | $452,144 | $394,654 |
| 10 | $872,202 | $14,178 | -$27,958 | $441,910 | $430,292 |
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.