12477 SW 195th St
Miami, FL 33177 · single_family · For Sale · 62 days on market
Asking price$995,000
3 beds 2 baths 2,453 sqft
Suggested offer$979,633$15,367 above the est. market value of $979,633.
View on Realtor.com →Listed by Miriam De Moya · Amerihome Realty Inc
Typesingle_family
Built1982
Price / sqft$406
Est. value (own analysis)$979,633
Rent estimate (own analysis)$3,190/mo
HOANone
1 / 2
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Statusfor_sale
Listed date2026-07-02
Removed date—
MLSMiamiMLS #A12047354
Coordinates25.58562, -80.39422
Address12477 SW 195th St
CityMiami
StateFL
Zip33177
Listing ID5594552562
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33177)
Typical home value (ZHVI)$574,510
Typical rent (ZORI)$2,784/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 | $995,000 |
| Down payment (20.0%) | $199,000 |
| Loan amount | $796,000 |
| Closing costs (5.0%) | $49,750 |
| Total cash to close | $248,750 |
| Income | |
| Rent (comp-derived) | $3,190$38,280 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,935$35,218 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,575$18,905 |
| Insurance (placeholder 0.8% of price) | $663$7,960 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $160$1,914 |
| Total operating expenses | $2,398$28,779 |
| 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) | $160$1,914 |
| 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 | 3 | 3 | 3,192 | $4,500 | 2026-08-20 | — | |
| single_family | 3 | 2 | 2,004 | $3,185 | 2026-08-11 | — | |
| single_family | 3 | 3 | 2,250 | $3,550 | 2026-07-20 | — | |
| single_family | 3 | 1 | 1,920 | $2,950 | 2026-07-11 | — | |
| single_family | 3 | 2 | 1,868 | $2,870 | — | — | |
| single_family | 3 | 2 | 1,875 | $3,249 | — | — | |
| single_family | 3 | 2 | 1,779 | $3,095 | — | — | |
| single_family | 3 | 2 | 1,970 | $3,500 | 2026-03-14 | — | |
| single_family | 3 | 3 | 1,965 | $2,950 | 2023-04-23 | — | |
| single_family | 3 | 2 | 1,814 | $3,195 | — | — |
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 |
|---|---|---|---|---|---|---|
| 16907 SW 142nd Pl | single_family | 3 | 2 | 1,406 | $552,500 | 2026-09-02 |
| 18021 SW 138th Pl | single_family | 3 | 2 | 1,207 | $507,000 | 2026-08-28 |
| 12181 SW 215th St | single_family | 3 | 2 | — | $425,000 | 2026-08-26 |
| 14291 SW 171st Ter | single_family | 3 | 2 | 1,171 | $500,000 | 2026-08-25 |
| 17570 SW 142nd Ct | single_family | 3 | 2 | 1,144 | $520,000 | 2026-08-24 |
| 11775 SW 173rd Ter | single_family | 3 | 2 | 1,564 | $560,000 | 2026-08-21 |
| 17075 SW 145th Ave | single_family | 3 | 2 | 1,770 | $715,000 | 2026-08-18 |
| 12110 SW 168th St | single_family | 3 | 1 | 1,164 | $575,000 | 2026-08-18 |
| 19521 SW 128th Ct | single_family | 3 | 2 | 2,645 | $780,000 | 2026-08-17 |
| 14365 SW 172nd Ln | single_family | 3 | 2 | 1,539 | $589,000 | 2026-08-17 |
| 14490 SW 180th St | single_family | 3 | 2 | 1,486 | $615,000 | 2026-08-10 |
| 12325 SW 192nd Ter | single_family | 3 | 2 | 1,604 | $586,000 | 2026-08-07 |
| 12021 SW 174th St | single_family | 3 | 2 | 2,598 | $569,990 | 2026-08-07 |
| 12031 SW 172nd St | single_family | 3 | 2 | 1,878 | $750,000 | 2026-08-07 |
| 11750 SW 169th Ter | single_family | 3 | 2 | 1,410 | $660,000 | 2026-08-06 |
| 14368 SW 165th St | single_family | 3 | 2 | 1,725 | $680,000 | 2026-08-04 |
| 16944 SW 144th Pl | single_family | 3 | 2 | 1,604 | $634,000 | 2026-08-04 |
| 18250 SW 139th Ct | single_family | 3 | 2 | 1,300 | $550,000 | 2026-08-03 |
| 19757 SW 124th Ave | single_family | 3 | 2 | 1,349 | $590,000 | 2026-08-03 |
| 11970 SW 177th Ter | single_family | 3 | 3 | 1,535 | $690,000 | 2026-07-30 |
| 17403 SW 142nd Pl | single_family | 3 | 2 | 1,393 | $575,000 | 2026-07-30 |
| 12320 SW 202nd Ter | single_family | 3 | 2 | 1,367 | $445,000 | 2026-07-24 |
| 19707 SW 123rd Ct | single_family | 3 | 2 | 1,462 | $610,900 | 2026-07-15 |
| 16831 SW 139th Pl | single_family | 3 | 2 | 1,171 | $500,000 | 2026-07-10 |
| 18133 SW 144th Pl | single_family | 3 | 2 | 1,486 | $650,000 | 2026-07-09 |
| 14443 SW 172nd Ln | single_family | 3 | 2 | 1,522 | $655,000 | 2026-07-09 |
| 11802 SW 188th Ter | single_family | 3 | 2 | 1,601 | $412,000 | 2026-07-08 |
| 21003 SW 124th Avenue Rd | single_family | 3 | 2 | 1,231 | $535,000 | 2026-07-08 |
| 20845 SW 122nd Ct | single_family | 3 | 2 | 1,350 | $519,900 | 2026-07-08 |
| 12321 SW 214th Ter | single_family | 3 | 2 | 1,083 | $445,000 | 2026-07-07 |
| 12030 SW 191st St | single_family | 3 | 2 | 1,216 | $578,000 | 2026-07-02 |
| 16362 SW 139th Ave | single_family | 3 | 3 | 1,596 | $600,000 | 2026-07-01 |
| 13731 SW 173rd Ter | single_family | 3 | 3 | 1,662 | $649,000 | 2026-06-29 |
| 12554 SW 211th Ter | single_family | 3 | 2 | 1,435 | $578,000 | 2026-06-25 |
| 19050 SW 125th Ave | single_family | 3 | 2 | 2,124 | $600,000 | 2026-06-25 |
| 20630 SW 125th Ave | single_family | 3 | 2 | 1,735 | $300,000 | 2026-06-25 |
| 20125 SW 124th Ave | single_family | 3 | 2 | 1,231 | $535,000 | 2026-06-25 |
| 12231 SW 191st Ter | single_family | 3 | 1 | 1,298 | $495,000 | 2026-06-23 |
| 12900 SW 189th St | single_family | 3 | 3 | 2,109 | $840,000 | 2026-06-22 |
| 12006 SW 210th Ter | single_family | 3 | 2 | 1,365 | $545,000 | 2026-06-22 |
| 20723 SW 119th Pl | single_family | 3 | 2 | 1,767 | $575,000 | 2026-06-18 |
| 18700 SW 117th Ave | single_family | 3 | 2 | 1,540 | $560,000 | 2026-06-18 |
| 19531 SW 133rd Ave | single_family | 3 | 2 | 1,728 | $745,000 | 2026-06-17 |
| 12201 SW 194th Ter | single_family | 3 | 2 | 1,125 | $530,000 | 2026-06-16 |
| 21131 SW 128th Ct | single_family | 3 | 2 | 1,794 | $710,000 | 2026-06-15 |
| 19234 SW 121st Ct | single_family | 3 | 3 | 1,244 | $615,000 | 2026-06-11 |
| 20402 SW 119th Ave | single_family | 3 | 2 | 1,195 | $535,000 | 2026-06-11 |
| 12051 SW 178th Ter | single_family | 3 | 1 | 1,722 | $430,000 | 2026-06-10 |
| 13910 SW 163rd St | single_family | 3 | 3 | 1,596 | $565,000 | 2026-06-10 |
| 11761 SW 171st Ter | single_family | 3 | 2 | 1,626 | $449,900 | 2026-06-10 |
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 |
|---|---|---|---|---|---|---|
| 13931 SW 156th Ter | single_family | 3 | 2 | 1,536 | $720,000 | — |
| 19100 SW 132nd Pl | single_family | 3 | 3 | 2,137 | $899,999 | — |
| 19422 SW 119th Ct | single_family | 3 | 2 | 1,705 | $1,018,000 | — |
| 17184 SW 138th Ct | townhomes | 3 | 2 | 1,380 | $450,000 | — |
| 21483 SW 132nd Pl | single_family | 3 | 3 | 1,959 | $765,000 | — |
| 12382 SW 213th Ter | single_family | 3 | 2 | 1,539 | $649,000 | — |
| 15771 SW 137th Ave Apt 201 | condos | 3 | 2 | 1,120 | $329,900 | — |
| 13763 SW 160th St | single_family | 3 | 3 | 1,440 | $435,000 | — |
10-year hold projection
IRR-5.4%
Equity multiple0.10x
Total return (10yr)-$93,280
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,024,850 | $6,439 | -$56,859 | $787,370 | $237,480 |
| 2 | $1,055,596 | $6,776 | -$56,570 | $778,147 | $277,449 |
| 3 | $1,087,263 | $7,126 | -$56,268 | $768,290 | $318,973 |
| 4 | $1,119,881 | $7,491 | -$55,954 | $757,757 | $362,124 |
| 5 | $1,153,478 | $7,871 | -$55,625 | $746,500 | $406,977 |
| 6 | $1,188,082 | $8,266 | -$55,283 | $734,471 | $453,611 |
| 7 | $1,223,725 | $8,677 | -$54,927 | $721,615 | $502,110 |
| 8 | $1,260,436 | $9,104 | -$54,555 | $707,876 | $552,560 |
| 9 | $1,298,249 | $9,548 | -$54,168 | $693,195 | $605,055 |
| 10 | $1,337,197 | $10,010 | -$53,764 | $677,504 | $659,692 |
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.