9760 SW 184th St Apt 17B
Cutler Bay, FL 33157 · condos · For Sale · 105 days on market
Asking price$175,000
1 beds 1 baths 560 sqft
Suggested offer$109,375$65,625 above the est. market value of $109,375.
View on Realtor.com →Listed by Lie Fa Lo · Florida Capital Realty
Typecondos
Built1968
Price / sqft$313
Est. value (own analysis)$109,375
Rent estimate (own analysis)$1,950/mo
HOA$100/mo
Wind10/10Extreme$Heat10/10ExtremeFlood7/10severe$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-05-20
Removed date—
MLSMiamiMLS #A12020498
Coordinates25.59823, -80.34964
Address9760 SW 184th St Apt 17B
CityCutler Bay
StateFL
Zip33157
Listing ID6069962536
Sourceus-real-estate-listings, cached 2026-08-28
ZIP market snapshot (33157)
Typical home value (ZHVI)$630,585
Typical rent (ZORI)$2,736/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 | $175,000 |
| Down payment (20.0%) | $35,000 |
| Loan amount | $140,000 |
| Closing costs (5.0%) | $8,750 |
| Total cash to close | $43,750 |
| Income | |
| Rent (comp-derived) | $1,950$23,400 |
| Vacancy loss (8.0%) | |
| Effective gross income | $1,794$21,528 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $277$3,325 |
| Insurance (est. scaled by flood & wind risk) | $228$2,730 |
| HOA dues | $100$1,200 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $98$1,170 |
| Total operating expenses | $702$8,425 |
| 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) | $98$1,170 |
| 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 |
|---|---|---|---|---|---|---|---|
| apartment | 1 | 1 | 610 | $1,837 | 2026-01-20 | — | |
| apartment | 1 | 1 | 750 | $1,700 | 2026-08-07 | — | |
| apartment | 1 | 1 | 650 | $1,800 | 2026-06-12 | — | |
| condos | 1 | 1 | 740 | $1,900 | 2026-07-28 | — | |
| apartment | 1 | 1 | 558 | $1,950 | 2025-12-10 | — | |
| apartment | 1 | 1 | 625 | $1,572 | 2025-12-01 | — | |
| apartment | 1 | 1 | 740 | $2,418 | 2024-06-11 | — | |
| condos | 1 | 1 | 400 | $1,500 | 2026-07-22 | — | |
| condos | 1 | 1 | 664 | $1,675 | 2026-08-20 | — | |
| condos | 1 | 1 | 664 | $1,690 | 2026-01-16 | — | |
| condos | 1 | 1 | 560 | $1,650 | 2026-07-20 | — | |
| apartment | 1 | 1 | 723 | $2,127 | — | — | |
| apartment | 1 | 1 | 740 | $2,437 | — | — | |
| apartment | 1 | 1 | 558 | $1,950 | — | — | |
| apartment | 1 | 1 | 558 | $1,950 | — | — | |
| apartment | 1 | 1 | 558 | $1,950 | — | — | |
| apartment | 1 | 1 | 558 | $1,950 | — | — | |
| apartment | 1 | 1 | 558 | $1,950 | — | — | |
| apartment | 1 | 1 | 558 | $1,950 | — | — | |
| apartment | 1 | 1 | 558 | $1,950 | — | — | |
| apartment | 1 | 1 | 558 | $1,950 | — | — | |
| apartment | 1 | 1 | 558 | $1,950 | — | — | |
| apartment | 1 | 1 | 725 | $2,513 | — | — | |
| apartment | 1 | 1 | 667 | $2,250 | — | — | |
| apartment | 1 | 1 | 558 | — | 2026-08-31 | — |
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 |
|---|---|---|---|---|---|---|
| 11223 SW 170th Ter Unit V4132 | condo_townhome_rowhome_coop | 1 | 2 | 960 | $180,000 | 2026-08-13 |
| 11060 SW 196th St Apt 601 | condos | 1 | 1 | 625 | $155,000 | 2026-07-17 |
| 11257 SW 172nd St Unit I | condos | 1 | 2 | 924 | $225,000 | 2026-07-06 |
| 11301 SW 200th St Unit 108A | condos | 1 | 2 | 703 | $135,000 | 2026-04-20 |
| 11247 SW 169th St Unit V4832 | condos | 1 | 2 | 960 | $187,500 | 2025-12-24 |
| 11050 SW 196th St Apt 201 | condos | 1 | 1 | 625 | $156,000 | 2025-12-18 |
| 16805 SW 113th Ave Unit V41443 | condos | 1 | 1 | 935 | $160,000 | 2025-12-12 |
| 17255 SW 95th Ave Unit D349 | condos | 1 | 1 | 664 | $160,000 | 2025-12-05 |
| 17084 SW 112th Ct Unit V3142 | condos | 1 | 2 | 960 | $150,000 | 2025-10-15 |
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 |
|---|---|---|---|---|---|---|
| 11223 SW 170th Ter Unit V4132 | condo_townhome_rowhome_coop | 1 | 2 | 960 | $180,000 | — |
| 11301 SW 200th St Unit 104A | condos | 1 | 2 | 703 | $165,000 | — |
| 17255 SW 95th Ave Unit D153 | condos | 1 | 1 | 664 | $167,500 | — |
| 11060 SW 196th St Apt 301 | condos | 1 | 1 | 625 | $165,000 | — |
| 17255 SW 95th Ave Apt 161 | condos | 1 | 1 | 664 | $170,000 | — |
| 17255 SW 95th Ave Apt 249 | condos | 1 | 1 | 664 | $174,900 | — |
10-year hold projection
IRR13.2%
Equity multiple3.05x
Total return (10yr)$112,363
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $180,250 | $13,103 | $1,137 | $138,482 | $41,768 |
| 2 | $185,658 | $13,538 | $1,543 | $136,860 | $48,798 |
| 3 | $191,227 | $13,988 | $1,962 | $135,126 | $56,101 |
| 4 | $196,964 | $14,451 | $2,395 | $133,274 | $63,690 |
| 5 | $202,873 | $14,930 | $2,843 | $131,294 | $71,579 |
| 6 | $208,959 | $15,425 | $3,305 | $129,178 | $79,781 |
| 7 | $215,228 | $15,935 | $3,782 | $126,917 | $88,311 |
| 8 | $221,685 | $16,462 | $4,275 | $124,501 | $97,184 |
| 9 | $228,335 | $17,006 | $4,784 | $121,918 | $106,417 |
| 10 | $235,185 | $17,567 | $5,310 | $119,159 | $116,027 |
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.