11728 SW 118th Ter
Miami, FL 33186 · single_family · For Sale · 256 days on market
Asking price$570,000
3 beds 3 baths 2,223 sqft
Listed by Daniel Martinez · Coldwell Banker Realty
Typesingle_family
Built1987
Price / sqft$256
Est. value (own analysis)$886,443
Rent estimate (own analysis)$3,650/mo
HOA$67/mo
1 / 32
Show every detail
Statusfor_sale
Listed date2025-12-20
Removed date—
MLSMiamiMLS #A11930636
Coordinates25.65851, -80.38430
Address11728 SW 118th Ter
CityMiami
StateFL
Zip33186
Listing ID6319572846
Sourceus-real-estate-listings, cached 2026-09-02
ZIP market snapshot (33186)
Typical home value (ZHVI)$523,583
Typical rent (ZORI)$2,574/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 | $570,000 |
| Down payment (20.0%) | $114,000 |
| Loan amount | $456,000 |
| Closing costs (5.0%) | $28,500 |
| Total cash to close | $142,500 |
| Income | |
| Rent (comp-derived) | $3,650$43,800 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,358$40,296 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $903$10,830 |
| Insurance (placeholder 0.8% of price) | $380$4,560 |
| HOA dues | $67$804 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $183$2,190 |
| Total operating expenses | $1,532$18,384 |
| 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) | $183$2,190 |
| 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 | 1,790 | $4,700 | 2026-08-21 | — | |
| single_family | 3 | 3 | 1,624 | $3,100 | 2026-08-18 | — | |
| single_family | 3 | 2 | 1,818 | $5,000 | 2026-08-16 | — | |
| single_family | 3 | 3 | 2,290 | $3,700 | 2026-08-14 | — | |
| single_family | 3 | 2 | 1,598 | $3,500 | 2026-08-12 | — | |
| single_family | 3 | 2 | 1,776 | $4,200 | 2026-08-11 | — | |
| single_family | 3 | 2 | 1,598 | $3,650 | 2026-08-06 | — | |
| single_family | 3 | 3 | 2,016 | $4,700 | 2026-07-18 | — | |
| single_family | 3 | 2 | 1,955 | $4,100 | 2026-07-17 | — | |
| single_family | 3 | 3 | 1,670 | $3,000 | — | — | |
| single_family | 3 | 4 | 2,663 | $5,900 | 2026-06-23 | — | |
| single_family | 3 | 2 | 1,517 | $3,500 | 2026-06-22 | — | |
| single_family | 3 | 2 | 1,530 | $4,250 | 2026-06-17 | — | |
| single_family | 3 | 3 | 1,622 | $3,650 | 2026-05-22 | — | |
| single_family | 3 | 2 | 1,621 | $3,800 | 2026-05-22 | — | |
| single_family | 3 | 2 | 1,688 | $2,920 | 2026-05-16 | — | |
| single_family | 3 | 3 | 2,238 | $4,345 | 2026-08-04 | — | |
| single_family | 3 | 3 | 1,622 | $3,650 | 2026-07-29 | — | |
| single_family | 3 | 2 | 1,813 | $2,985 | — | — | |
| single_family | 3 | 2 | 1,902 | $3,020 | — | — | |
| single_family | 3 | 2 | 1,566 | $2,995 | — | — | |
| single_family | 3 | 3 | 1,915 | $3,465 | — | — | |
| single_family | 3 | 2 | 1,610 | $3,495 | 2026-08-22 | — | |
| single_family | 3 | 2 | 1,749 | $5,200 | 2026-02-25 | — | |
| single_family | 3 | 3 | 1,670 | $2,900 | — | — | |
| single_family | 3 | 3 | 1,594 | $2,745 | — | — | |
| single_family | 3 | 3 | 1,640 | $3,650 | 2026-08-22 | — | |
| single_family | 3 | 2 | 1,901 | $3,900 | — | — | |
| single_family | 3 | 2 | 1,790 | $4,700 | 2026-08-26 | — | |
| single_family | 3 | 2 | 1,918 | $3,500 | 2026-08-29 | — | |
| single_family | 3 | 2 | 2,020 | $2,500 | 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 |
|---|---|---|---|---|---|---|
| 14249 SW 90th Ter | single_family | 3 | 2 | 1,810 | $670,000 | 2026-09-01 |
| 9623 SW 146th Pl | single_family | 3 | 2 | 1,154 | $500,000 | 2026-09-01 |
| 12338 SW 144th Ter | single_family | 3 | 2 | 1,350 | $490,000 | 2026-08-31 |
| 9709 SW 146th Ct | single_family | 3 | 2 | 1,154 | $495,000 | 2026-08-27 |
| 11455 SW 117th Ct | single_family | 3 | 3 | 1,589 | $560,000 | 2026-08-27 |
| 11937 SW 117th Ct | single_family | 3 | 2 | 1,648 | $520,000 | 2026-08-24 |
| 10901 SW 140th Ave | single_family | 3 | 2 | 2,026 | $810,000 | 2026-08-20 |
| 11855 SW 102nd St | single_family | 3 | 3 | 1,622 | $642,000 | 2026-08-20 |
| 10310 SW 128th Ave | single_family | 3 | 2 | 1,947 | $850,000 | 2026-08-18 |
| 14315 SW 101st St | single_family | 3 | 2 | 1,522 | $630,000 | 2026-08-18 |
| 13370 SW 99th Ter | single_family | 3 | 2 | 1,695 | $850,000 | 2026-08-14 |
| 14958 SW 143rd Pl | single_family | 3 | 2 | 1,704 | $660,000 | 2026-08-11 |
| 11541 SW 142nd Pl | single_family | 3 | 2 | 1,331 | $630,000 | 2026-08-07 |
| 11745 SW 116th Ter | single_family | 3 | 2 | 1,572 | $620,000 | 2026-08-07 |
| 10262 SW 127th Pl | single_family | 3 | 2 | 1,557 | $680,000 | 2026-08-06 |
| 10029 SW 146th Pl | single_family | 3 | 3 | 1,947 | $600,000 | 2026-08-04 |
| 12835 SW 119th Ter | single_family | 3 | 2 | 1,751 | $801,000 | 2026-07-31 |
| 12608 SW 121st Ave | single_family | 3 | 2 | 1,570 | $680,000 | 2026-07-31 |
| 12825 SW 116th St | single_family | 3 | 3 | 1,776 | $768,000 | 2026-07-31 |
| 12035 SW 117th Ter | single_family | 3 | 2 | 1,222 | $515,000 | 2026-07-30 |
| 10724 SW 145th Ave | single_family | 3 | 2 | 1,729 | $585,000 | 2026-07-29 |
| 10460 SW 123rd Ct | single_family | 3 | 2 | 1,823 | $785,000 | 2026-07-22 |
| 10904 SW 146th Pl | single_family | 3 | 2 | 1,146 | $480,000 | 2026-07-21 |
| 14475 SW 127th Ct | single_family | 3 | 2 | 1,479 | $555,000 | 2026-07-17 |
| 11806 SW 102nd St | single_family | 3 | 2 | 1,364 | $545,000 | 2026-07-17 |
| 13224 SW 108th Street Cir | single_family | 3 | 2 | 1,505 | $589,500 | 2026-07-17 |
| 14638 SW 128th Court Rd | single_family | 3 | 2 | 1,239 | $525,000 | 2026-07-15 |
| 12433 SW 122nd Ct | single_family | 3 | 3 | 2,911 | $840,000 | 2026-07-02 |
| 14637 SW 127th Ct | single_family | 3 | 2 | 1,417 | $525,000 | 2026-06-29 |
| 12146 SW 133rd Ter | single_family | 3 | 2 | 1,901 | $705,000 | 2026-06-26 |
| 10210 SW 133rd Ct | single_family | 3 | 2 | 1,695 | $800,000 | 2026-06-25 |
| 14023 SW 132nd Ave | single_family | 3 | 3 | 1,759 | $700,000 | 2026-06-24 |
| 12001 SW 118th St | single_family | 3 | 2 | 1,691 | $700,000 | 2026-06-22 |
| 10224 SW 131st Ct | single_family | 3 | 2 | 1,695 | $815,000 | 2026-06-22 |
| 12221 SW 144th Ter | single_family | 3 | 2 | 1,732 | $475,000 | 2026-06-22 |
| 14350 SW 112th Ter | single_family | 3 | 2 | 1,733 | $620,000 | 2026-06-22 |
| 10190 SW 138th Ct | single_family | 3 | 3 | 2,048 | $605,000 | 2026-06-18 |
| 14531 SW 111th Ter | single_family | 3 | 2 | 1,784 | $775,000 | 2026-06-17 |
| 13010 SW 119th St | single_family | 3 | 2 | 1,731 | $665,000 | 2026-06-16 |
| 9624 SW 117th Ct | single_family | 3 | 2 | 2,083 | $875,000 | 2026-06-12 |
| 14451 SW 124th Pl | single_family | 3 | 2 | 1,810 | $540,000 | 2026-06-09 |
| 10151 SW 138th Ct | single_family | 3 | 2 | 1,378 | $575,000 | 2026-06-08 |
| 9716 SW 146th Pl | single_family | 3 | 2 | 1,068 | $505,000 | 2026-06-08 |
| 12347 SW 145th St | single_family | 3 | 2 | 1,578 | $557,000 | 2026-06-08 |
| 11000 SW 141st Ave | single_family | 3 | 2 | 1,912 | $535,000 | 2026-06-08 |
| 14812 SW 140th Pl | single_family | 3 | 2 | 1,397 | $560,000 | 2026-06-05 |
| 11704 SW 143rd Ave | single_family | 3 | 2 | 1,654 | $450,000 | 2026-06-04 |
| 11774 SW 133rd Ct | single_family | 3 | 2 | 1,600 | $620,000 | 2026-06-04 |
| 10106 SW 146th Pl | single_family | 3 | 2 | 1,950 | $665,000 | 2026-06-02 |
| 10511 SW 124th Ave | single_family | 3 | 2 | 1,614 | $685,000 | 2026-06-02 |
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 |
|---|---|---|---|---|---|---|
| 14512 SW 139th Avenue Cir W | single_family | 3 | 2 | 1,796 | $559,900 | — |
| 12354 SW 124th Path | townhomes | 3 | 3 | 1,452 | $520,000 | — |
| 10315 SW 129th Ct | single_family | 3 | 3 | 2,017 | $875,000 | — |
| 10240 SW 137th Ct | townhomes | 3 | 2 | 1,097 | $498,000 | — |
| 12244 SW 123rd Pl | townhomes | 3 | 3 | 1,968 | $580,000 | — |
| 14255 SW 96th Ter | townhomes | 3 | 3 | 1,834 | $599,000 | — |
| 12916 SW 150th Ter | single_family | 3 | 2 | 1,293 | $595,000 | — |
| 13045 SW 88th Ln Unit 104A | condos | 3 | 2 | 1,233 | $320,000 | — |
10-year hold projection
IRR3.0%
Equity multiple1.49x
Total return (10yr)$143,719
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $587,100 | $21,912 | -$15,443 | $451,056 | $136,044 |
| 2 | $604,713 | $22,661 | -$14,748 | $445,772 | $158,941 |
| 3 | $622,854 | $23,435 | -$14,030 | $440,126 | $182,728 |
| 4 | $641,540 | $24,235 | -$13,288 | $434,092 | $207,448 |
| 5 | $660,786 | $25,061 | -$12,521 | $427,643 | $233,143 |
| 6 | $680,610 | $25,914 | -$11,728 | $420,752 | $259,858 |
| 7 | $701,028 | $26,796 | -$10,909 | $413,387 | $287,641 |
| 8 | $722,059 | $27,706 | -$10,062 | $405,517 | $316,542 |
| 9 | $743,721 | $28,647 | -$9,186 | $397,106 | $346,615 |
| 10 | $766,032 | $29,618 | -$8,282 | $388,118 | $377,915 |
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.