7814 NW 165th St

Miami Lakes, FL 33016 · single_family · For Sale · 117 days on market
Asking price$1,150,000
4 beds 2 baths 2,027 sqft
Suggested offer$802,692$347,308 above the est. market value of $802,692.
View on Realtor.com →
Listed by Victor Morell Pato · Real Estate Empire Group, Inc.
Typesingle_family
Built2001
Price / sqft$567
Est. value (own analysis)$802,692
Rent estimate (own analysis)$5,200/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeAir2/10MinorFlood1/10minimal$Wildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2026-05-08
Removed date
MLSMiamiMLS #A12015292
Coordinates25.92302, -80.32769
Address7814 NW 165th St
CityMiami Lakes
StateFL
Zip33016
Listing ID6119465709
Sourceus-real-estate-listings, cached 2026-08-28

ZIP market snapshot (33016)

Typical home value (ZHVI)$295,375
Typical rent (ZORI)$2,365/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)

Purchase price$1,150,000
Down payment (20.0%)$230,000
Loan amount$920,000
Closing costs (5.0%)$57,500
Total cash to close$287,500
Rent (comp-derived)$5,200$62,400
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$62,400
Vacancy rate (assumption) assumption8.0%

$62,400 × 8.0% = $4,992

Effective gross income$4,784$57,408
Property tax (placeholder 1.9% of price)$1,821$21,850
Insurance (est. scaled by flood & wind risk)$1,150$13,800
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$260$3,120
Total operating expenses$3,231$38,770
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$57,408
Total operating expenses derived$38,770

$57,408 − $38,770 = $18,638

Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$920,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$920,000 amortized at 6.7% over 30 years = $5,912/mo

CapEx reserve (5.0% of GSR)$260$3,120
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)$0$0
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$18,638
Annual debt service derived$70,946
Annual CapEx reserve assumption$3,120
Annual PMI assumption$0

($18,638 − $70,946 − $3,120 − $0) ÷ 12 = -$4,619

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$18,638
Purchase price data$1,150,000

$18,638 ÷ $1,150,000 = 1.6%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$55,428
Total cash to close derived$287,500

-$55,428 ÷ $287,500 = -19.3%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$18,638
Annual debt service derived$70,946

$18,638 ÷ $70,946 = 0.26

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$62,400
Purchase price data$1,150,000

($62,400 ÷ 12) ÷ $1,150,000 = 0.5%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$1,150,000
Gross scheduled rent (annual) comp$62,400

$1,150,000 ÷ $62,400 = 18.4

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$38,770
Effective gross income derived$57,408

$38,770 ÷ $57,408 = 67.5%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$38,770
Annual debt service derived$70,946
Annual PMI assumption$0
Gross scheduled rent (annual) comp$62,400

($38,770 + $70,946 + $0) ÷ $62,400 = 175.8%

Comparables

Widened to city-wide. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family422,120$5,2002026-08-27
single_family432,264$3,849
single_family421,770$4,0002026-07-28
single_family432,620$6,0002026-08-20
single_family432,620$6,000

15330 Durnford Dr

Miami Lakes, 33014 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage2,120
Listed2026-08-27
Days on market

Asking rent: $5,200

View on Zillow →

9081 NW 148th St

Miami Lakes, 33018 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,264
Listed
Days on market

Asking rent: $3,849

View on Zillow →

8731 NW 153rd Ter

Miami Lakes, 33018 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,770
Listed2026-07-28
Days on market

Asking rent: $4,000

View on Zillow →

14793 NW 87th Pl Unit 14793

Miami Lakes, 33018 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,620
Listed2026-08-20
Days on market

Asking rent: $6,000

View on Zillow →

14793 NW 87th Pl # 0

Miami Lakes, 33018 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,620
Listed
Days on market

Asking rent: $6,000

View on Zillow →

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.

AddressTypeBedsBathsLiving sqftSale priceSale date
14372 NW 83rd Avesingle_family432,231$610,0002026-08-31
16750 NW 78th Avesingle_family442,503$1,210,0002026-07-28
7819 NW 166th Tersingle_family432,208$900,0002026-07-21
7831 NW 160th Tersingle_family432,162$895,0002026-07-09
14460 Glencairn Rdsingle_family432,201$1,050,0002026-06-26
2549 W 72nd Plsingle_family421,475$590,0002026-06-26
8341 NW 167th Tersingle_family422,162$728,1002026-06-17
16640 NW 86th Ctsingle_family442,449$960,0002026-06-12
7841 NW 169th Tersingle_family422,131$910,0002026-05-26
15507 NW 82nd Ctsingle_family432,404$1,075,0002026-05-08
8120 NW 167th Tersingle_family433,563$932,3002026-04-14
7760 NW 163rd Stsingle_family432,048$835,0002026-04-06
16801 NW 77th Plsingle_family442,702$1,167,0002026-03-17
7821 NW 159th Tersingle_family432,314$955,0002026-03-13
8371 NW 166th Tersingle_family453,528$940,0002026-02-06
16422 NW 77th Plsingle_family432,804$675,0002026-02-03
2508 W 71st Plsingle_family421,440$579,0002026-01-30
16920 NW 83rd Ctsingle_family433,292$1,000,0002026-01-20
16811 NW 83rd Avesingle_family433,298$1,250,0002026-01-05
8001 NW 166th Stsingle_family433,125$1,125,0002025-12-16
8320 NW 167th Tersingle_family433,474$950,0002025-12-15
8311 NW 166th Tersingle_family443,719$1,250,0002025-11-20
16760 NW 84th Ctsingle_family434,280$1,975,0002025-11-07
8560 NW 169th Tersingle_family432,631$1,100,0002025-11-03
8565 NW 168th Tersingle_family453,576$880,0002025-10-23
7965 NW 162nd Stsingle_family443,380$1,300,0002025-10-22

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.

AddressTypeBedsBathsSqftAsking priceDays on market
15600 NW 82nd Ctsingle_family432,947$1,395,000
2217 W 69th St Unit 2217Acondos431,580$389,800
14629 Glencairn Rdsingle_family432,309$1,100,000
15721 NW 79th Ctsingle_family443,093$1,699,000
15901 NW 83rd Plsingle_family432,889$1,250,000
2561 W 60th Pl Unit 102-1townhomes431,798$429,999
16581 NW 84th Avesingle_family432,659$1,499,999
16820 NW 80th Ctsingle_family432,186$995,000

10-year hold projection

IRR-2.9%
Equity multiple0.52x
Total return (10yr)$11,807
YearProperty valueNOICash flowLoan balanceEquity
1$1,184,500$18,638-$55,428$910,025$274,475
2$1,220,035$19,391-$54,753$899,365$320,670
3$1,256,636$20,171-$54,053$887,973$368,663
4$1,294,335$20,980-$53,326$875,799$418,536
5$1,333,165$21,818-$52,572$862,789$470,376
6$1,373,160$22,687-$51,789$848,885$524,275
7$1,414,355$23,587-$50,977$834,027$580,328
8$1,456,786$24,519-$50,135$818,148$638,637
9$1,500,489$25,485-$49,262$801,179$699,310
10$1,545,504$26,486-$48,356$783,045$762,459
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.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.