14525 SW 97th St
Miami, FL 33186 · single_family · For Sale · 48 days on market
Asking price$605,000
5 beds 3 baths 1,882 sqft
Listed by Moises Ramos · Alternative Realty Group
Typesingle_family
Built1987
Price / sqft$321
Est. value (own analysis)$629,712
Rent estimate (own analysis)$4,800/mo
HOA$33/mo
Wind10/10Extreme$Heat10/10ExtremeFlood4/10moderate$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-07-16
Removed date—
MLSMiamiMLS #A12054550
Coordinates25.67668, -80.42724
Address14525 SW 97th St
CityMiami
StateFL
Zip33186
Listing ID5784955634
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 | $605,000 |
| Down payment (20.0%) | $121,000 |
| Loan amount | $484,000 |
| Closing costs (5.0%) | $30,250 |
| Total cash to close | $151,250 |
| Income | |
| Rent (comp-derived) | $4,800$57,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,416$52,992 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $958$11,495 |
| Insurance (est. scaled by flood & wind risk) | $645$7,744 |
| HOA dues | $33$396 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $240$2,880 |
| Total operating expenses | $1,876$22,515 |
| 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) | $240$2,880 |
| 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 | 5 | 3 | 2,480 | $3,875 | 2026-08-15 | — | |
| single_family | 5 | 3 | 1,908 | $5,000 | 2026-08-14 | — | |
| single_family | 5 | 3 | 2,176 | $9,000 | 2026-08-13 | — | |
| single_family | 5 | 3 | 2,200 | $5,250 | 2026-08-13 | — | |
| single_family | 5 | 2 | 1,598 | $5,000 | 2026-08-11 | — | |
| single_family | 5 | 4 | 2,323 | $5,700 | 2026-08-06 | — | |
| single_family | 5 | 3 | 1,846 | $3,600 | 2026-08-05 | — | |
| single_family | 5 | 3 | 1,685 | $3,500 | 2026-07-21 | — | |
| single_family | 5 | 8 | 2,326 | $8,200 | 2026-07-13 | — | |
| single_family | 5 | 2 | 1,729 | $3,950 | 2026-07-10 | — | |
| single_family | 5 | 3 | 2,406 | $4,400 | 2026-07-03 | — | |
| single_family | 5 | 3 | 1,650 | $3,800 | — | — | |
| single_family | 5 | 3 | 1,646 | $4,800 | 2026-04-18 | — | |
| single_family | 5 | 4 | 2,092 | $9,500 | 2026-06-16 | — | |
| single_family | 5 | 3 | 2,369 | $4,250 | 2023-04-07 | — | |
| single_family | 5 | 3 | 2,376 | $3,680 | — | — | |
| single_family | 5 | 2 | 1,974 | $5,000 | — | — | |
| single_family | 5 | 3 | 2,442 | $6,500 | 2026-08-30 | — | |
| single_family | 5 | 3 | 1,971 | $3,800 | 2026-08-27 | — | |
| single_family | 5 | 3 | 2,480 | $3,875 | — | — | |
| single_family | 5 | 3 | 2,446 | $7,000 | 2026-09-01 | — |
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 |
|---|---|---|---|---|---|---|
| 14525 SW 97th St | single_family | 5 | 3 | 1,882 | $605,000 | 2026-08-24 |
| 10105 SW 144th Ave | single_family | 5 | 3 | 1,522 | $550,000 | 2026-05-22 |
| 13940 SW 127th Ct | single_family | 5 | 3 | 2,046 | $840,000 | 2026-05-21 |
| 13731 SW 136th Pl | single_family | 5 | 3 | 2,622 | $1,200,000 | 2026-05-05 |
| 10720 SW 142nd Ave | single_family | 5 | 4 | 3,017 | $835,000 | 2026-04-10 |
| 9621 W Calusa Club Dr | single_family | 5 | 6 | 4,483 | $1,500,000 | 2026-04-02 |
| 13412 SW 144th Ter | single_family | 5 | 3 | 2,550 | $699,000 | 2026-03-10 |
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 |
|---|---|---|---|---|---|---|
| 10934 SW 137th Ct | single_family | 5 | 5 | 3,122 | $849,999 | — |
| 14531 SW 97th St | single_family | 5 | 3 | 1,995 | $625,000 | — |
| 9720 E Calusa Club Dr | single_family | 5 | 3 | 2,776 | $1,200,033 | — |
| 12235 SW 121st Ter | single_family | 5 | 5 | 2,747 | $999,000 | — |
| 12440 SW 96th St | single_family | 5 | 3 | 2,830 | $1,300,000 | — |
| 14530 SW 110th St | single_family | 5 | 3 | 1,907 | $690,000 | — |
10-year hold projection
IRR6.3%
Equity multiple2.00x
Total return (10yr)$229,866
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $623,150 | $30,477 | -$9,727 | $478,752 | $144,398 |
| 2 | $641,845 | $31,504 | -$8,772 | $473,145 | $168,700 |
| 3 | $661,100 | $32,564 | -$7,785 | $467,151 | $193,948 |
| 4 | $680,933 | $33,660 | -$6,766 | $460,747 | $220,186 |
| 5 | $701,361 | $34,791 | -$5,712 | $453,902 | $247,458 |
| 6 | $722,402 | $35,959 | -$4,624 | $446,588 | $275,814 |
| 7 | $744,074 | $37,165 | -$3,499 | $438,771 | $305,302 |
| 8 | $766,396 | $38,410 | -$2,337 | $430,418 | $335,978 |
| 9 | $789,388 | $39,696 | -$1,136 | $421,491 | $367,897 |
| 10 | $813,069 | $41,024 | $104 | $411,951 | $401,119 |
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.