9760 SW 184th St Apt 16D
Cutler Bay, FL 33157 · condos · For Sale · 105 days on market
Asking price$180,000
2 beds 1 baths 776 sqft
Suggested offer$161,486$18,514 above the est. market value of $161,486.
View on Realtor.com →Listed by Lie Fa Lo · Florida Capital Realty
Typecondos
Built1968
Price / sqft$232
Est. value (own analysis)$161,486
Rent estimate (own analysis)$2,100/mo
HOA$450/mo
1 / 5
Show every detail
Statusfor_sale
Listed date2026-05-20
Removed date—
MLSMiamiMLS #A12020743
Coordinates25.59823, -80.34964
Address9760 SW 184th St Apt 16D
CityCutler Bay
StateFL
Zip33157
Listing ID6077676586
Sourceus-real-estate-listings, cached 2026-08-31
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 | $180,000 |
| Down payment (20.0%) | $36,000 |
| Loan amount | $144,000 |
| Closing costs (5.0%) | $9,000 |
| Total cash to close | $45,000 |
| Income | |
| Rent (comp-derived) | $2,100$25,200 |
| Vacancy loss (8.0%) | |
| Effective gross income | $1,932$23,184 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $285$3,420 |
| Insurance (placeholder 0.8% of price) | $120$1,440 |
| HOA dues | $450$5,400 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $105$1,260 |
| Total operating expenses | $960$11,520 |
| 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) | $105$1,260 |
| 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 |
|---|---|---|---|---|---|---|---|
| condos | 2 | 1 | 900 | $2,350 | 2026-08-06 | — | |
| condos | 2 | 2 | 800 | $1,695 | 2026-07-27 | — | |
| condos | 2 | 2 | 800 | $1,650 | 2026-07-13 | — | |
| apartment | 2 | 2 | 840 | $1,900 | 2026-07-09 | — | |
| condos | 2 | 2 | 800 | $1,850 | 2026-07-06 | — | |
| apartment | 2 | 2 | 1,000 | $2,400 | 2026-06-19 | — | |
| condos | 2 | 2 | 800 | $1,800 | 2026-07-30 | — | |
| condos | 2 | 2 | 800 | $1,675 | 2026-01-07 | — | |
| condos | 2 | 2 | 800 | $1,750 | 2026-04-13 | — | |
| condos | 2 | 2 | 800 | $1,650 | 2026-02-06 | — | |
| apartment | 2 | 1 | 850 | $2,000 | 2026-02-10 | — | |
| condos | 2 | 2 | 840 | $2,100 | 2025-12-01 | — | |
| apartment | 2 | 2 | 853 | $2,764 | — | — | |
| condos | 2 | 2 | 914 | $1,975 | 2026-08-20 | — | |
| condos | 2 | 2 | 980 | $2,200 | 2026-04-16 | — | |
| condos | 2 | 2 | 809 | $2,000 | 2026-08-24 | — | |
| condos | 2 | 2 | 809 | $1,750 | 2026-04-22 | — | |
| apartment | 2 | 1 | 880 | $1,950 | 2026-06-02 | — | |
| apartment | 2 | 1 | 800 | $2,300 | 2026-08-06 | — | |
| condos | 2 | 1 | 551 | $2,000 | 2026-06-17 | — | |
| condos | 2 | 2 | 809 | $1,900 | 2026-08-17 | — | |
| condos | 2 | 2 | 980 | $2,200 | 2026-07-30 | — | |
| condos | 2 | 1 | 765 | $1,750 | 2026-07-20 | — | |
| condos | 2 | 2 | 809 | $2,000 | 2026-08-10 | — | |
| condos | 2 | 1 | 801 | $1,850 | 2026-07-24 | — | |
| condos | 2 | 1 | 1,003 | $2,000 | 2026-07-31 | — | |
| condos | 2 | 1 | 801 | $2,200 | 2026-05-18 | — | |
| apartment | 2 | 2 | 809 | $2,100 | 2026-07-14 | — | |
| condos | 2 | 1 | 801 | $1,800 | 2026-06-11 | — | |
| condos | 2 | 2 | 809 | $2,150 | 2026-06-03 | — | |
| condos | 2 | 1 | 765 | $1,950 | 2026-07-29 | — | |
| apartment | 2 | 2 | 980 | $2,811 | — | — | |
| apartment | 2 | 2 | 850 | $2,775 | — | — | |
| apartment | 2 | 2 | 850 | $2,759 | — | — | |
| apartment | 2 | 2 | 861 | $2,450 | — | — | |
| apartment | 2 | 2 | 981 | $2,698 | — | — | |
| apartment | 2 | 2 | 981 | $2,698 | — | — | |
| apartment | 2 | 2 | 913 | $2,515 | — | — | |
| apartment | 2 | 2 | 865 | $2,725 | — | — | |
| apartment | 2 | 2 | 993 | $2,731 | — | — | |
| apartment | 2 | 2 | 993 | $2,731 | — | — | |
| apartment | 2 | 2 | 853 | $2,820 | — | — | |
| apartment | 2 | 2 | 975 | $2,811 | — | — | |
| apartment | 2 | 2 | 1,025 | $2,827 | — | — |
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 |
|---|---|---|---|---|---|---|
| 19761 SW 114th Ave Apt 338 | condos | 2 | 2 | 800 | $80,000 | 2026-08-12 |
| 11234 SW 169th St Unit V3443 | condos | 2 | 2 | 1,110 | $265,000 | 2026-07-27 |
| 19805 SW 114th Ave Apt 119 | condos | 2 | 2 | 800 | $130,000 | 2026-06-25 |
| 19825 SW 114th Ave Apt 323 | condos | 2 | 2 | 800 | $90,000 | 2026-06-11 |
| 11307 SW 200th St Unit B202 | condos | 2 | 2 | 840 | $160,000 | 2026-05-26 |
| 15750 SW 92nd Ave Unit 21C | condos | 2 | 3 | 1,120 | $345,000 | 2026-05-12 |
| 11262 SW 169th St Unit V3642 | condos | 2 | 2 | 1,240 | $265,000 | 2026-04-06 |
| 15389 S Dixie Highway 38 | condos | 2 | 2 | 1,330 | $250,000 | 2026-03-31 |
| 11225 SW 169th St Unit V4744 | condo_townhome_rowhome_coop | 2 | 2 | 1,240 | $330,000 | 2026-01-09 |
| 11245 SW 169th St Unit V4833 | condos | 2 | 2 | 1,240 | $294,999 | 2025-12-19 |
| 11301 SW 200th St Apt 306A | condos | 2 | 2 | 840 | $170,000 | 2025-12-04 |
| 19781 SW 114th Ave Apt 143 | condos | 2 | 2 | 800 | $160,000 | 2025-10-31 |
| 19771 SW 114th Ave Apt 330 | condos | 2 | 2 | 800 | $162,000 | 2025-10-06 |
| 11040 SW 196th St Apt 209 | condos | 2 | 2 | 809 | $193,000 | 2025-09-25 |
| 19740 SW 103rd Ct Apt 108 | condos | 2 | 2 | 833 | $215,000 | 2025-09-19 |
| 15921 SW 90th Ct Unit B | condos | 2 | 2 | 1,025 | $290,000 | 2025-08-29 |
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 |
|---|---|---|---|---|---|---|
| 11249 SW 169th St Unit V4831 | condos | 2 | 2 | 1,240 | $268,500 | — |
| 19771 SW 114th Ave Apt 126 | condos | 2 | 2 | 800 | $165,000 | — |
| 15888 SW 95th Ave Apt 209 | condos | 2 | 1 | 880 | $237,000 | — |
| 16971 SW 113th Ct Unit 31444E | condos | 2 | 2 | 1,240 | $320,000 | — |
| 11284 SW 169th St Unit V3743 | condos | 2 | 2 | 1,110 | $268,000 | — |
| condos | 2 | 2 | 800 | $129,000 | — | |
| 17019 SW 100th Ave | single_family | 2 | 1 | 909 | $499,000 | — |
| 11311 SW 200th St Apt 311D | condos | 2 | 2 | 840 | $200,000 | — |
10-year hold projection
IRR10.1%
Equity multiple2.59x
Total return (10yr)$94,895
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $185,400 | $11,664 | -$701 | $142,439 | $42,961 |
| 2 | $190,962 | $12,072 | -$325 | $140,770 | $50,192 |
| 3 | $196,691 | $12,493 | $64 | $138,987 | $57,704 |
| 4 | $202,592 | $12,928 | $467 | $137,082 | $65,510 |
| 5 | $208,669 | $13,378 | $883 | $135,046 | $73,624 |
| 6 | $214,929 | $13,843 | $1,313 | $132,869 | $82,060 |
| 7 | $221,377 | $14,323 | $1,757 | $130,544 | $90,834 |
| 8 | $228,019 | $14,820 | $2,217 | $128,058 | $99,960 |
| 9 | $234,859 | $15,333 | $2,693 | $125,402 | $109,457 |
| 10 | $241,905 | $15,863 | $3,185 | $122,564 | $119,341 |
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.