12425 SW 226th St
Miami, FL 33170 · single_family · For Sale · 34 days on market
Asking price$2,399,000
6 beds 6 baths 4,337 sqft
Suggested offer$1,538,561$860,439 above the est. market value of $1,538,561.
View on Realtor.com →Listed by Dominic Rivera · Pine River Realty, LLC.
Typesingle_family
Built1981
Price / sqft$553
Est. value (own analysis)$1,538,561
Rent estimate (own analysis)$8,000/mo
HOANone
1 / 76
Show every detail
Statusfor_sale
Listed date2026-07-30
Removed date—
MLSMiamiMLS #A12062451
Coordinates25.55721, -80.39306
Address12425 SW 226th St
CityMiami
StateFL
Zip33170
Listing ID5781068604
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33170)
Typical home value (ZHVI)$572,990
Typical rent (ZORI)$2,406/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 | $2,399,000 |
| Down payment (20.0%) | $479,800 |
| Loan amount | $1,919,200 |
| Closing costs (5.0%) | $119,950 |
| Total cash to close | $599,750 |
| Income | |
| Rent (comp-derived) | $8,000$96,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $7,360$88,320 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $3,798$45,581 |
| Insurance (placeholder 0.8% of price) | $1,599$19,192 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $400$4,800 |
| Total operating expenses | $5,798$69,573 |
| 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) | $400$4,800 |
| 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 | 6 | 3 | 2,417 | $8,000 | 2026-08-05 | — | |
| single_family | 6 | 4 | 6,112 | $30,000 | — | — | |
| single_family | 6 | 3 | 2,716 | $2,000 | 2026-08-26 | — |
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 |
|---|---|---|---|---|---|---|
| 13231 SW 220th St | single_family | 5 | 5 | 3,600 | $2,600,000 | 2026-08-21 |
| 10955 SW 217th Ter | single_family | 2 | 1 | 918 | $445,000 | 2026-08-21 |
| 21965 SW 125th Ave | single_family | 4 | 2 | 1,592 | $700,000 | 2026-08-19 |
| 11001 SW 218th Ter | single_family | 4 | 2 | 1,710 | $590,000 | 2026-08-14 |
| 11050 SW 225th Ter | single_family | 5 | 3 | 2,068 | $570,000 | 2026-08-14 |
| 22345 SW 118th Ct | single_family | 3 | 2 | 1,075 | $449,000 | 2026-08-13 |
| 21670 SW 111th Ave | single_family | 3 | 2 | 1,456 | $440,000 | 2026-08-07 |
| 12831 SW 229th St | single_family | 3 | 3 | 1,901 | $638,000 | 2026-08-06 |
| 19300 SW 216th St | single_family | 3 | 2 | 1,658 | $800,000 | 2026-08-04 |
| 10820 SW 220th St | single_family | 3 | 1 | 920 | $310,000 | 2026-08-04 |
| 12551 SW 223rd St | single_family | 3 | 2 | 1,260 | $569,900 | 2026-08-04 |
| 11075 SW 221st Ter | single_family | 4 | 2 | 1,425 | $435,000 | 2026-08-03 |
| 13217 SW 227th St | single_family | 5 | 4 | 2,643 | $1,050,000 | 2026-07-31 |
| 10930 SW 216th St | single_family | 2 | 1 | 720 | $220,000 | 2026-07-29 |
| 19950 SW 228th St | single_family | 3 | 1 | 4,440 | $1,293,750 | 2026-07-28 |
| 22712 SW 113th Pl | single_family | 4 | 2 | 1,200 | $515,000 | 2026-07-28 |
| 10763 SW 229th St | single_family | 5 | 3 | 2,512 | $664,000 | 2026-07-27 |
| 13282 SW 227th St | single_family | 4 | 3 | 2,070 | $780,000 | 2026-07-23 |
| 21717 SW 129th Ave | single_family | 4 | 3 | 2,092 | $700,000 | 2026-07-16 |
| 22903 SW 113th Path | single_family | 4 | 2 | 1,804 | $585,000 | 2026-07-14 |
| 17180 SW 232nd St | single_family | 3 | 2 | 3,744 | $1,800,000 | 2026-07-08 |
| 22310 SW 114th Ct | single_family | 3 | 1 | 1,550 | $550,000 | 2026-07-08 |
| 11373 SW 227th Ter | single_family | 3 | 2 | 1,235 | $525,000 | 2026-07-07 |
| 21701 SW 187th Ave | single_family | 3 | 2 | 2,542 | $1,140,000 | 2026-07-07 |
| 13251 SW 224th St | single_family | 2 | 1 | 3,322 | $845,000 | 2026-07-06 |
| 12418 SW 230th St | single_family | 4 | 3 | 1,827 | $505,000 | 2026-06-30 |
| 22905 SW 123 Ave | single_family | 4 | 3 | — | $750,000 | 2026-06-30 |
| 23060 SW 155th Ave | single_family | 2 | 1 | 1,376 | $545,000 | 2026-06-26 |
| 22301 SW 127th Pl | single_family | 4 | 2 | 2,009 | $575,000 | 2026-06-24 |
| 11969 SW 216th St | single_family | 3 | 1 | 810 | $295,000 | 2026-06-22 |
| 23140 SW 187th Ave | single_family | 6 | 6 | 3,489 | $1,365,000 | 2026-06-18 |
| 23440 SW 159th Ave | single_family | 3 | 2 | 889 | $950,000 | 2026-06-15 |
| 22116 SW 115th Ave | single_family | 3 | 2 | 1,346 | $480,000 | 2026-06-11 |
| 22315 SW 108th Ct | single_family | 3 | 1 | 1,089 | $400,000 | 2026-06-10 |
| 10880 SW 222nd Dr | single_family | 3 | 1 | 884 | $300,000 | 2026-06-05 |
| 12245 SW 218th St | single_family | 3 | 2 | 1,494 | $530,000 | 2026-06-05 |
| 10960 SW 219th St | single_family | 3 | 1 | 1,276 | $451,900 | 2026-06-05 |
| 22936 SW 115th Ct | single_family | 3 | 2 | 1,652 | $570,000 | 2026-06-05 |
| 22262 SW 123rd Dr | single_family | 4 | 2 | 1,665 | $850,000 | 2026-06-05 |
| 10781 SW 221st St | single_family | 3 | 1 | 920 | $379,000 | 2026-06-02 |
| 22722 SW 114th Pl | single_family | 4 | 2 | — | $539,000 | 2026-06-01 |
| 22330 SW 112th Ave | single_family | 4 | 2 | 1,280 | $405,000 | 2026-06-01 |
| 9093811958 | single_family | 3 | 1 | 920 | $452,000 | 2026-06-01 |
| 22732 SW 113th Pl | single_family | 3 | 2 | 1,825 | $500,000 | 2026-05-29 |
| 10941 SW 226th Ter | single_family | 5 | 3 | 2,484 | $620,000 | 2026-05-29 |
| 22300 SW 109th Ave | single_family | 2 | 2 | 1,296 | $450,000 | 2026-05-22 |
| 22925 SW 122nd Pl | single_family | 3 | 2 | — | $695,000 | 2026-05-18 |
| 18360 SW 224th St | single_family | 4 | 4 | 4,232 | $1,100,000 | 2026-05-18 |
| 12390 SW 217th St | single_family | 3 | 2 | 1,299 | $347,000 | 2026-05-15 |
| 12716 SW 224th St | single_family | 5 | 3 | 2,275 | $1,000,000 | 2026-05-14 |
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 |
|---|---|---|---|---|---|---|
| 11941 SW 200th St | single_family | 6 | 3 | 1,764 | $680,000 | — |
| 9881 SW 148th Ter | single_family | 6 | 7 | 6,140 | $3,200,000 | — |
| 9715 SW 89th Ct | single_family | 6 | 7 | 6,062 | $4,290,000 | — |
| SW 127th Ave & SW 212th St | single_family | 6 | 3 | 3,041 | $854,990 | — |
| 21240 SW 126th Ct | single_family | 6 | 3 | 3,041 | $869,990 | — |
| 14949 SW 184th Ave | single_family | 6 | 7 | 9,264 | $5,500,000 | — |
| 9025 SW 114th St | single_family | 6 | 7 | 4,912 | $4,495,000 | — |
| 13405 SW 199th Ave | single_family | 6 | 4 | 1,668 | $2,175,000 | — |
10-year hold projection
IRR-5.0%
Equity multiple0.16x
Total return (10yr)-$189,979
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $2,470,970 | $18,747 | -$134,053 | $1,898,392 | $572,578 |
| 2 | $2,545,099 | $19,657 | -$133,262 | $1,876,154 | $668,945 |
| 3 | $2,621,452 | $20,604 | -$132,439 | $1,852,390 | $769,062 |
| 4 | $2,700,096 | $21,587 | -$131,582 | $1,826,993 | $873,102 |
| 5 | $2,781,099 | $22,609 | -$130,689 | $1,799,853 | $981,246 |
| 6 | $2,864,531 | $23,672 | -$129,759 | $1,770,849 | $1,093,683 |
| 7 | $2,950,467 | $24,775 | -$128,791 | $1,739,853 | $1,210,614 |
| 8 | $3,038,981 | $25,922 | -$127,783 | $1,706,729 | $1,332,253 |
| 9 | $3,130,151 | $27,113 | -$126,735 | $1,671,330 | $1,458,821 |
| 10 | $3,224,055 | $28,350 | -$125,644 | $1,633,500 | $1,590,556 |
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.