12485 SW 220th St
Miami, FL 33170 · single_family · For Sale · 1 days on market
Asking price$500,000
3 beds 2 baths 1,521 sqft
Listed by Norma Contreras · Active Community Realty
Typesingle_family
Built2002
Price / sqft$329
Est. value (own analysis)$577,753
Rent estimate (own analysis)$3,050/mo
HOANone
1 / 7
Show every detail
Statusfor_sale
Listed date2026-09-01
Removed date—
MLSMiamiMLS #A12081147
Coordinates25.56227, -80.39487
Address12485 SW 220th St
CityMiami
StateFL
Zip33170
Listing ID5783677220
Sourceus-real-estate-listings, cached 2026-09-02
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 | $500,000 |
| Down payment (20.0%) | $100,000 |
| Loan amount | $400,000 |
| Closing costs (5.0%) | $25,000 |
| Total cash to close | $125,000 |
| Income | |
| Rent (comp-derived) | $3,050$36,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,806$33,672 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $792$9,500 |
| Insurance (placeholder 0.8% of price) | $333$4,000 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $153$1,830 |
| Total operating expenses | $1,278$15,330 |
| 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) | $153$1,830 |
| 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 | 2 | 1,502 | $3,700 | 2026-08-11 | — | |
| single_family | 3 | 2 | 1,233 | $2,900 | 2026-08-10 | — | |
| single_family | 3 | 2 | 1,452 | $3,500 | 2026-08-09 | — | |
| single_family | 3 | 2 | 1,513 | $3,650 | 2026-05-19 | — | |
| single_family | 3 | 2 | 1,502 | $2,860 | — | — | |
| single_family | 3 | 2 | 1,300 | $3,100 | 2026-08-21 | — | |
| single_family | 3 | 3 | 1,694 | $2,800 | — | — | |
| single_family | 3 | 2 | 1,335 | $3,000 | — | — |
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 |
|---|---|---|---|---|---|---|
| 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 |
| 19950 SW 228th St | single_family | 3 | 1 | 4,440 | $1,293,750 | 2026-07-28 |
| 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 |
| 11969 SW 216th St | single_family | 3 | 1 | 810 | $295,000 | 2026-06-22 |
| 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 |
| 10781 SW 221st St | single_family | 3 | 1 | 920 | $379,000 | 2026-06-02 |
| 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 |
| 22925 SW 122nd Pl | single_family | 3 | 2 | — | $695,000 | 2026-05-18 |
| 12390 SW 217th St | single_family | 3 | 2 | 1,299 | $347,000 | 2026-05-15 |
| 22736 SW 114th Pl | single_family | 3 | 2 | 1,050 | $440,000 | 2026-05-11 |
| 10945 SW 218th Ter | single_family | 3 | 1 | 1,245 | $293,000 | 2026-05-07 |
| 11017 SW 226th Ter | single_family | 3 | 2 | 1,542 | $535,000 | 2026-04-28 |
| 22535 SW 113th Ct | single_family | 3 | 2 | 1,340 | $509,000 | 2026-04-27 |
| 19200 SW 218th St | single_family | 3 | 2 | 1,344 | $790,000 | 2026-04-24 |
| 22600 SW 180th Ct | single_family | 3 | 3 | 2,265 | $900,000 | 2026-04-21 |
| 23083 SW 107th Pl | single_family | 3 | 2 | 1,502 | $550,000 | 2026-04-15 |
| 22155 Miami Ave | single_family | 3 | 2 | 1,722 | $614,000 | 2026-04-14 |
| 22908 SW 155th Ave | single_family | 3 | 2 | 2,106 | $640,000 | 2026-04-10 |
| 12160 SW 219th St | single_family | 3 | 1 | 780 | $380,000 | 2026-04-10 |
| 10840 SW 222nd Dr | single_family | 3 | 1 | 1,176 | $459,000 | 2026-03-30 |
| 21675 SW 232nd St | single_family | 3 | 4 | 4,318 | $2,800,000 | 2026-03-24 |
| 18900 SW 224th St | single_family | 3 | 2 | 2,416 | $1,450,000 | 2026-03-17 |
| 22270 SW 109th Ave | single_family | 3 | 2 | 1,728 | $510,000 | 2026-03-10 |
| 12535 SW 219th St | single_family | 3 | 2 | 1,630 | $565,000 | 2026-03-06 |
| 10735 SW 224th St | single_family | 3 | 1 | 792 | $116,700 | 2026-03-05 |
| 10753 SW 229th St | single_family | 3 | 2 | 1,502 | $575,000 | 2026-03-03 |
| 22801 SW 123rd Ave | single_family | 3 | 2 | 1,492 | $575,000 | 2026-02-20 |
| 13831 SW 232nd St | single_family | 3 | 2 | 3,167 | $974,700 | 2026-02-02 |
| 13851 SW 232nd St | single_family | 3 | 1 | 2,123 | $1,071,000 | 2026-02-02 |
| 18405 SW 216th St | single_family | 3 | 2 | 1,968 | $800,000 | 2026-01-30 |
| 10765 SW 222nd St | single_family | 3 | 1 | 1,390 | $525,000 | 2026-01-27 |
| 19390 SW 232nd St | single_family | 3 | 3 | 1,721 | $1,470,000 | 2026-01-22 |
| 10730 SW 220th St | single_family | 3 | 1 | 920 | $400,000 | 2026-01-09 |
| 12542 SW 223rd St | single_family | 3 | 2 | 1,260 | $539,000 | 2025-12-10 |
| 11472 SW 227th Ter | single_family | 3 | 1 | 1,050 | $449,000 | 2025-12-04 |
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 |
|---|---|---|---|---|---|---|
| 23082 SW 127th Pl Unit 0 | townhomes | 3 | 3 | 1,441 | $455,000 | — |
| 12955 SW 231st Ter Unit 12955 | townhomes | 3 | 3 | 1,695 | $559,700 | — |
| 23029 SW 128th Pl | townhomes | 3 | 3 | 1,442 | $440,000 | — |
| 23220 SW 131st Ct | townhomes | 3 | 3 | 1,331 | $445,000 | — |
| 11073 SW 231 Ln | townhomes | 3 | 3 | 1,668 | $508,290 | — |
| SW 232 St & SW 112th Ave | townhomes | 3 | 2 | 1,416 | $462,990 | — |
| SW 232 St & SW 112th Ave | townhomes | 3 | 3 | 1,504 | $481,990 | — |
| SW 232 St & SW 112th Ave | townhomes | 3 | 2 | 1,368 | $444,990 | — |
10-year hold projection
IRR2.6%
Equity multiple1.41x
Total return (10yr)$116,805
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $515,000 | $18,342 | -$14,334 | $395,663 | $119,337 |
| 2 | $530,450 | $18,969 | -$13,753 | $391,028 | $139,422 |
| 3 | $546,364 | $19,617 | -$13,152 | $386,075 | $160,288 |
| 4 | $562,754 | $20,286 | -$12,531 | $380,782 | $181,972 |
| 5 | $579,637 | $20,977 | -$11,889 | $375,126 | $204,512 |
| 6 | $597,026 | $21,691 | -$11,226 | $369,080 | $227,946 |
| 7 | $614,937 | $22,428 | -$10,540 | $362,620 | $252,317 |
| 8 | $633,385 | $23,190 | -$9,832 | $355,716 | $277,669 |
| 9 | $652,387 | $23,977 | -$9,099 | $348,339 | $304,048 |
| 10 | $671,958 | $24,789 | -$8,342 | $340,454 | $331,504 |
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.