9630 SW 10th Ter
Miami, FL 33174 · single_family · For Sale · 64 days on market
Asking price$1,900,000
3 beds 4 baths — sqft
Suggested offer$622,450$1,277,550 above the est. market value of $622,450.
View on Realtor.com →Listed by Mario Quintero · CENTURY 21 World Connection
Typesingle_family
Built2026
Price / sqft—
Est. value (own analysis)$622,450
Rent estimate (own analysis)$3,500/mo
HOANone
1 / 83
Show every detail
Statusfor_sale
Listed date2026-06-30
Removed date—
MLSMiamiMLS #A12044773
Coordinates25.75920, -80.35164
Address9630 SW 10th Ter
CityMiami
StateFL
Zip33174
Listing ID6314277933
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33174)
Typical home value (ZHVI)$448,390
Typical rent (ZORI)$2,762/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 | $1,900,000 |
| Down payment (20.0%) | $380,000 |
| Loan amount | $1,520,000 |
| Closing costs (5.0%) | $95,000 |
| Total cash to close | $475,000 |
| Income | |
| Rent (comp-derived) | $3,500$42,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,220$38,640 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $3,008$36,100 |
| Insurance (placeholder 0.8% of price) | $1,267$15,200 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $175$2,100 |
| Total operating expenses | $4,450$53,400 |
| 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) | $175$2,100 |
| 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 | 3 | 2 | 1,350 | $3,200 | 2026-08-19 | — | |
| single_family | 3 | 2 | 1,861 | $3,900 | 2026-08-15 | — | |
| single_family | 3 | 2 | 1,200 | $3,500 | 2026-07-20 | — | |
| single_family | 3 | 2 | 1,812 | $4,000 | — | — | |
| single_family | 3 | 2 | 1,372 | $4,500 | 2026-07-01 | — | |
| single_family | 3 | 2 | 1,372 | $4,000 | 2026-04-28 | — | |
| single_family | 3 | 3 | — | $2,950 | — | — | |
| single_family | 3 | 2 | 1,242 | $3,500 | — | — | |
| single_family | 3 | 3 | 1,250 | $3,200 | — | — |
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 |
|---|---|---|---|---|---|---|
| 430 SW 100th Ave | single_family | 3 | 2 | 1,400 | $780,000 | 2026-08-21 |
| 330 SW 104th Ct | single_family | 3 | 3 | 1,686 | $730,000 | 2026-08-12 |
| 9851 SW 12th Ter | single_family | 3 | 3 | 2,047 | $650,000 | 2026-08-07 |
| 8932 SW 10th Ter | single_family | 3 | 2 | 1,984 | $850,000 | 2026-08-06 |
| 9261 SW 11th St | single_family | 3 | 2 | 1,606 | $550,000 | 2026-07-30 |
| 11441 SW 5th St | single_family | 3 | 2 | 1,101 | $400,000 | 2026-07-27 |
| 9013 SW 8th Ter | single_family | 3 | 2 | 1,224 | $540,000 | 2026-07-24 |
| 1035 SW 100th Ct | single_family | 3 | 2 | 2,040 | $725,000 | 2026-07-20 |
| 11221 SW 7th Ter | single_family | 3 | 2 | 1,118 | $540,000 | 2026-07-16 |
| 8940 SW 4th Ter | single_family | 3 | 2 | 1,372 | $680,000 | 2026-07-14 |
| 1215 SW 94th Ct | single_family | 3 | 2 | 1,486 | $565,000 | 2026-07-08 |
| 9224 Grand Canal Dr | single_family | 3 | 2 | 1,927 | $760,000 | 2026-06-30 |
| 11507 SW 6th St | single_family | 3 | 2 | 1,108 | $500,000 | 2026-06-16 |
| 8981 SW 5th Ln | single_family | 3 | 2 | 1,686 | $800,000 | 2026-06-02 |
| 9620 SW 9th Ter | single_family | 3 | 2 | 1,364 | $820,000 | 2026-06-01 |
| 602 SW 99th Pl | single_family | 3 | 2 | 1,420 | $455,000 | 2026-05-29 |
| 11564 SW 7th St | single_family | 3 | 2 | 1,173 | $525,000 | 2026-05-22 |
| 9961 SW 13th Ter | single_family | 3 | 2 | 2,002 | $572,000 | 2026-05-13 |
| 733 SW 99th Court Cir | single_family | 3 | 2 | 1,420 | $660,000 | 2026-05-12 |
| 30 SW 116th Ave | single_family | 3 | 2 | 1,505 | $310,000 | 2026-05-11 |
| 9814 SW 4th Ter | single_family | 3 | 2 | 1,733 | $750,000 | 2026-05-08 |
| 1101 SW 92nd Ave | single_family | 3 | 2 | 1,962 | $540,000 | 2026-04-22 |
| 561 SW 87th Ct | single_family | 3 | 2 | 1,372 | $665,000 | 2026-04-20 |
| 10121 SW 4th St | single_family | 3 | 2 | 1,688 | $670,000 | 2026-04-14 |
| 1401 SW 94th Ave | single_family | 3 | 2 | 1,217 | $700,000 | 2026-04-07 |
| 10590 SW 7th Ter | single_family | 3 | 3 | 1,743 | $660,000 | 2026-04-03 |
| 530 SW 101st Ct | single_family | 3 | 2 | 2,020 | $540,000 | 2026-03-19 |
| 9981 SW 15th Ter | single_family | 3 | 2 | 1,336 | $660,000 | 2026-03-18 |
| 765 SW 101st Court Cir | single_family | 3 | 2 | 1,420 | $620,000 | 2026-03-11 |
| 9471 SW 12th St | single_family | 3 | 2 | 2,301 | $687,500 | 2026-03-09 |
| 10739 SW 7th St | single_family | 3 | 1 | 819 | $500,000 | 2026-02-25 |
| 975 SW 89th Ave | single_family | 3 | 3 | 1,007 | $600,000 | 2026-02-09 |
| 11510 SW 7th St | single_family | 3 | 2 | 1,108 | $485,000 | 2026-02-05 |
| 1172 SW 102nd Ct | single_family | 3 | 2 | 1,631 | $720,000 | 2026-01-30 |
| 9744 SW 4th Ter | single_family | 3 | 2 | 2,049 | $725,000 | 2026-01-07 |
| 1001 SW 88th Ct | single_family | 3 | 2 | 1,185 | $570,000 | 2026-01-02 |
| 1311 SW 102nd Ct | single_family | 3 | 3 | 2,009 | $710,000 | 2025-12-31 |
| 1131 SW 102nd Ct | single_family | 3 | 2 | 1,337 | $300,000 | 2025-12-23 |
| 11561 SW 6th St | single_family | 3 | 2 | 1,173 | $489,900 | 2025-12-05 |
| 11542 SW 5th St | single_family | 3 | 2 | 1,101 | $535,000 | 2025-11-24 |
| 11339 SW 6th St | single_family | 3 | 2 | 1,670 | $475,000 | 2025-11-07 |
| 9857 SW 7th St | single_family | 3 | 2 | 1,736 | $660,000 | 2025-11-05 |
| 973 SW 88th Ave | single_family | 3 | 2 | 1,309 | $600,000 | 2025-10-24 |
| 9837 SW 7th St | single_family | 3 | 2 | 1,736 | $625,000 | 2025-10-23 |
| 8914 SW 5th Ln | single_family | 3 | 2 | 1,277 | $599,000 | 2025-10-22 |
| 1145 SW 96th Ave | single_family | 3 | 2 | 1,756 | $675,000 | 2025-10-17 |
| 741 SW 99th Court Cir | single_family | 3 | 3 | 1,736 | $725,000 | 2025-10-16 |
| 11525 SW 6th St | single_family | 3 | 2 | 1,173 | $520,000 | 2025-10-08 |
| 5700507860 | single_family | 3 | 2 | 1,236 | $300,000 | 2025-10-03 |
| 9034 SW 6th St | single_family | 3 | 2 | 1,487 | $624,900 | 2025-10-01 |
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 |
|---|---|---|---|---|---|---|
| 8912 W Flagler St Apt 111 | condos | 3 | 2 | 1,260 | $400,000 | — |
| 8964 W Flagler St Apt 107 | condos | 3 | 2 | 1,260 | $423,000 | — |
| 9618 SW 3rd Ln Unit 18 | townhomes | 3 | 2 | 1,350 | $530,000 | — |
| 11120 SW 2nd St | single_family | 3 | 1 | 864 | $679,000 | — |
| 8826 W Flagler St Apt 115 | condos | 3 | 2 | 1,260 | $416,000 | — |
| 8986 W Flagler St Apt 6 | townhomes | 3 | 3 | 1,426 | $395,000 | — |
| 11559 SW 7th St | single_family | 3 | 3 | 1,392 | $580,000 | — |
| 509 SW 87th Pl | single_family | 3 | 2 | 1,408 | $649,900 | — |
10-year hold projection
IRR-8.9%
Equity multiple-0.51x
Total return (10yr)-$471,260
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,957,000 | -$14,760 | -$134,075 | $1,503,520 | $453,480 |
| 2 | $2,015,710 | -$14,936 | -$134,303 | $1,485,908 | $529,802 |
| 3 | $2,076,181 | -$15,110 | -$134,532 | $1,467,087 | $609,095 |
| 4 | $2,138,467 | -$15,283 | -$134,760 | $1,446,973 | $691,494 |
| 5 | $2,202,621 | -$15,454 | -$134,987 | $1,425,478 | $777,143 |
| 6 | $2,268,699 | -$15,623 | -$135,214 | $1,402,507 | $866,193 |
| 7 | $2,336,760 | -$15,789 | -$135,440 | $1,377,958 | $958,802 |
| 8 | $2,406,863 | -$15,953 | -$135,665 | $1,351,724 | $1,055,140 |
| 9 | $2,479,069 | -$16,115 | -$135,889 | $1,323,688 | $1,155,381 |
| 10 | $2,553,441 | -$16,273 | -$136,111 | $1,293,727 | $1,259,715 |
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.