1781 SW 13th St
Miami, FL 33145 · single_family · For Sale · 30 days on market
Asking price$819,000
4 beds 3 baths 1,769 sqft
Listed by Yoana Toth, P.A · Toth Real Estate Group
Typesingle_family
Built1968
Price / sqft$463
Est. value (own analysis)$971,057
Rent estimate (own analysis)$7,600/mo
HOANone
1 / 31
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Statusfor_sale
Listed date2026-08-03
Removed date—
MLSMiamiMLS #A12064687
Coordinates25.76106, -80.22395
Address1781 SW 13th St
CityMiami
StateFL
Zip33145
Listing ID5799582960
Sourceus-real-estate-listings, cached 2026-08-25
ZIP market snapshot (33145)
Typical home value (ZHVI)$735,527
Typical rent (ZORI)$3,018/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 | $819,000 |
| Down payment (20.0%) | $163,800 |
| Loan amount | $655,200 |
| Closing costs (5.0%) | $40,950 |
| Total cash to close | $204,750 |
| Income | |
| Rent (comp-derived) | $7,600$91,200 |
| Vacancy loss (8.0%) | |
| Effective gross income | $6,992$83,904 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,297$15,561 |
| Insurance (placeholder 0.8% of price) | $546$6,552 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $380$4,560 |
| Total operating expenses | $2,223$26,673 |
| 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) | $380$4,560 |
| 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 | 4 | 3 | 1,900 | $10,000 | 2026-08-14 | — | |
| single_family | 4 | 4 | 2,080 | $9,450 | 2026-08-12 | — | |
| single_family | 4 | 3 | 1,588 | $6,000 | 2026-06-09 | — | |
| single_family | 4 | 3 | 1,788 | $7,600 | 2026-05-24 | — | |
| single_family | 4 | 3 | 2,050 | $10,000 | 2026-05-21 | — | |
| single_family | 4 | 2 | 1,876 | $4,950 | 2026-08-04 | — | |
| single_family | 4 | 3 | 1,769 | $5,000 | 2026-04-24 | — |
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 |
|---|---|---|---|---|---|---|
| 2225 SW 18th Ave | single_family | 4 | 5 | 3,733 | $2,350,000 | 2026-08-24 |
| 1366 SW 15th St | single_family | 4 | 4 | 2,947 | $2,350,000 | 2026-08-13 |
| 2220 SW 16th Ter | single_family | 4 | 3 | 1,968 | $600,000 | 2026-07-30 |
| 2200 SW 23rd Ter | single_family | 4 | 2 | 1,554 | $750,000 | 2026-07-24 |
| 1910 SW 33rd Ave | single_family | 4 | 3 | 2,368 | $2,100,000 | 2026-07-20 |
| 2367 SW 23rd Ter | single_family | 4 | 2 | 1,588 | $750,000 | 2026-07-10 |
| 1441 SW 17th St | single_family | 4 | 2 | 1,398 | $800,000 | 2026-06-15 |
| 1780 SW 23rd St | single_family | 4 | 4 | 1,590 | $750,000 | 2026-06-12 |
| 1971 SW 33rd Ave | single_family | 4 | 3 | 2,331 | $1,550,000 | 2026-06-03 |
| 1710 SW 13th St | single_family | 4 | 3 | 1,334 | $650,000 | 2026-06-02 |
| 1738 SW 17th St | single_family | 4 | 2 | 1,938 | $700,000 | 2026-05-22 |
| 2990 SW 20th St | single_family | 4 | 5 | 2,828 | $2,270,000 | 2026-05-04 |
| 3641 SW 13th Ter | single_family | 4 | 1 | 1,350 | $783,000 | 2026-04-20 |
| 3121 SW 20th St | single_family | 4 | 3 | 2,191 | $1,025,000 | 2026-03-24 |
| 1970 SW 32nd Pl | single_family | 4 | 3 | 2,056 | $1,495,000 | 2026-03-23 |
| 1352 SW 16th St | single_family | 4 | 4 | 2,774 | $975,000 | 2026-03-12 |
| 2291 SW 17th St | single_family | 4 | 3 | 2,142 | $1,200,000 | 2026-03-05 |
| 1931 Coral Gate Dr | single_family | 4 | 3 | 2,061 | $725,000 | 2026-02-23 |
| 1338 SW 14th St | single_family | 4 | 3 | 2,043 | $883,000 | 2026-02-19 |
| 2498 SW 19th Ter | single_family | 4 | 2 | 2,098 | $1,125,000 | 2026-02-17 |
| 3050 SW 21st St | single_family | 4 | 2 | 1,423 | $1,100,000 | 2026-02-12 |
| 1941 SW 18th St | single_family | 4 | 2 | 1,766 | $845,000 | 2026-01-28 |
| 3600 SW 1st Ave | single_family | 4 | 2 | 1,317 | $875,000 | 2026-01-23 |
| 1906 SW 17th Ct | single_family | 4 | 2 | 1,541 | $620,000 | 2026-01-05 |
| 2747 SW 19th Ter | single_family | 4 | 3 | 1,397 | $889,500 | 2025-12-23 |
| 1244 SW 14th St | single_family | 4 | 3 | 2,020 | $1,450,000 | 2025-12-10 |
| 3201 SW 19th Ter | single_family | 4 | 3 | 2,511 | $1,350,000 | 2025-12-03 |
| 2735 SW 19th St | single_family | 4 | 3 | 1,924 | $1,120,000 | 2025-12-01 |
| 3075 SW 19th St | single_family | 4 | 3 | 2,086 | $1,025,000 | 2025-11-10 |
| 1530 SW 24th Ave | single_family | 4 | 2 | 1,867 | $805,000 | 2025-11-10 |
| 1375 SW 17th Ter | single_family | 4 | 5 | 3,395 | $2,280,000 | 2025-10-22 |
| 1884 SW 16th St | single_family | 4 | 3 | 1,839 | $980,000 | 2025-10-14 |
| 2727 SW 20th St | single_family | 4 | 2 | 1,756 | $922,000 | 2025-09-26 |
| 3291 SW 16th Ln | single_family | 4 | 3 | 2,909 | $1,775,000 | 2025-09-26 |
| 2280 SW 16th Ct | single_family | 4 | 3 | 1,664 | $960,000 | 2025-09-23 |
| 2450 SW 23rd Ave | single_family | 4 | 3 | 2,836 | $1,900,000 | 2025-09-19 |
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 |
|---|---|---|---|---|---|---|
| 1501 SW 21st St | townhomes | 4 | 4 | 2,571 | $1,829,000 | — |
| 2745 SW 23rd Ter | townhomes | 4 | 5 | 2,909 | $1,645,000 | — |
| 1835 SW 18th St | single_family | 4 | 3 | 2,191 | $960,000 | — |
| 2364 SW 14th St | multi_family | 4 | 2 | 1,366 | $729,000 | — |
| 3575 SW 23rd St Unit 3575 | townhomes | 4 | 4 | 2,654 | $1,770,000 | — |
| 2222 SW 14th St Unit Right | townhomes | 4 | 4 | 2,736 | $1,779,000 | — |
| 2290 SW 13th St | condo_townhome_rowhome_coop | 4 | 5 | 3,544 | $2,750,000 | — |
| 2220 SW 14th St | townhomes | 4 | 4 | 2,969 | $1,749,000 | — |
10-year hold projection
IRR11.9%
Equity multiple2.85x
Total return (10yr)$485,894
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $843,570 | $57,231 | $2,145 | $648,096 | $195,474 |
| 2 | $868,877 | $59,081 | $3,881 | $640,505 | $228,373 |
| 3 | $894,943 | $60,990 | $5,674 | $632,392 | $262,552 |
| 4 | $921,792 | $62,960 | $7,524 | $623,722 | $298,070 |
| 5 | $949,445 | $64,993 | $9,433 | $614,456 | $334,989 |
| 6 | $977,929 | $67,090 | $11,405 | $604,554 | $373,375 |
| 7 | $1,007,267 | $69,253 | $13,439 | $593,973 | $413,294 |
| 8 | $1,037,485 | $71,486 | $15,539 | $582,664 | $454,820 |
| 9 | $1,068,609 | $73,789 | $17,707 | $570,579 | $498,030 |
| 10 | $1,100,668 | $76,165 | $19,944 | $557,665 | $543,003 |
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.