14800 SW 29th Ter

Miami, FL 33185 · single_family · For Sale · 41 days on market
Asking price$1,335,000
5 beds 4 baths 3,340 sqft
Suggested offer$1,040,756$294,245 above the est. market value of $1,040,756.
View on Realtor.com →
Listed by Chabeli Gonzalez · Terra Realty Services
Typesingle_family
Built2016
Price / sqft$400
Est. value (own analysis)$1,040,756
Rent estimate (own analysis)$5,998/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeWildfire5/10MajorAir2/10MinorFlood1/10minimal$
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Neighborhood

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Statusfor_sale
Listed date2026-07-23
Removed date
MLSMiamiMLS #A12058952
Coordinates25.73968, -80.43430
Address14800 SW 29th Ter
CityMiami
StateFL
Zip33185
Listing ID6342633827
Sourceus-real-estate-listings, cached 2026-09-02

ZIP market snapshot (33185)

Typical home value (ZHVI)$677,356
Typical rent (ZORI)$3,519/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$1,335,000
Down payment (20.0%)$267,000
Loan amount$1,068,000
Closing costs (5.0%)$66,750
Total cash to close$333,750
Rent (comp-derived)$5,998$71,970
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$71,970
Vacancy rate (assumption) assumption8.0%

$71,970 × 8.0% = $5,758

Effective gross income$5,518$66,212
Property tax (placeholder 1.9% of price)$2,114$25,365
Insurance (est. scaled by flood & wind risk)$1,335$16,020
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$300$3,599
Total operating expenses$3,749$44,984
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$66,212
Total operating expenses derived$44,984

$66,212 − $44,984 = $21,229

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$1,068,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$1,068,000 amortized at 6.7% over 30 years = $6,863/mo

CapEx reserve (5.0% of GSR)$300$3,599
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$21,229
Annual debt service derived$82,359
Annual CapEx reserve assumption$3,599
Annual PMI assumption$0

($21,229 − $82,359 − $3,599 − $0) ÷ 12 = -$5,394

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$21,229
Purchase price data$1,335,000

$21,229 ÷ $1,335,000 = 1.6%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$64,729
Total cash to close derived$333,750

-$64,729 ÷ $333,750 = -19.4%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$21,229
Annual debt service derived$82,359

$21,229 ÷ $82,359 = 0.26

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$71,970
Purchase price data$1,335,000

($71,970 ÷ 12) ÷ $1,335,000 = 0.4%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$1,335,000
Gross scheduled rent (annual) comp$71,970

$1,335,000 ÷ $71,970 = 18.5

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$44,984
Effective gross income derived$66,212

$44,984 ÷ $66,212 = 67.9%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$44,984
Annual debt service derived$82,359
Annual PMI assumption$0
Gross scheduled rent (annual) comp$71,970

($44,984 + $82,359 + $0) ÷ $71,970 = 176.9%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family532,200$5,2502026-08-13
single_family532,547$7,9002026-07-20
single_family532,733$6,3002026-07-12
single_family533,001$5,2002026-07-07
single_family563,716$6,0002026-07-02
single_family543,294$5,9952026-08-24
single_family542,916$6,0002026-08-23
single_family532,946$5,000
single_family542,916$6,0002026-08-25
single_family533,114$5,900

2802 SW 149th Pl

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,200
Listed2026-08-13
Days on market

Asking rent: $5,250

View on Zillow →

3654 SW 150th Ct

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,547
Listed2026-07-20
Days on market

Asking rent: $7,900

View on Zillow →

4450 SW 164th Ave Unit 0

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,733
Listed2026-07-12
Days on market

Asking rent: $6,300

View on Zillow →

15431 SW 39th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage3,001
Listed2026-07-07
Days on market

Asking rent: $5,200

View on Zillow →

14747 SW 38th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 6 ba
Square footage3,716
Listed2026-07-02
Days on market

Asking rent: $6,000

View on Zillow →

15561 SW 31st Ln # 0

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage3,294
Listed2026-08-24
Days on market

Asking rent: $5,995

View on Zillow →

16237 SW 44th Ter Unit 0

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage2,916
Listed2026-08-23
Days on market

Asking rent: $6,000

View on Zillow →

15387 SW 21st Ln

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,946
Listed
Days on market

Asking rent: $5,000

View on Zillow →

16237 SW 44th Ter # 0

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage2,916
Listed2026-08-25
Days on market

Asking rent: $6,000

View on Zillow →

15051 SW 18th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage3,114
Listed
Days on market

Asking rent: $5,900

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
5441 SW 155th Plsingle_family542,677$740,0002026-08-21
4920 SW 156th Plsingle_family553,271$1,025,0002026-08-21
14856 SW 27th Tersingle_family543,261$1,229,0002026-08-17
2651 SW 152nd Ctsingle_family543,403$660,0002026-07-27
15383 SW 23rd Stsingle_family543,137$977,5002026-06-26
15486 SW 23rd Lnsingle_family542,372$975,0002026-06-19
15064 SW 30th Tersingle_family542,055$900,0002026-06-13
15615 SW 42nd Tersingle_family543,656$1,175,0002026-06-10
2066 SW 156th Avesingle_family542,712$800,0002026-05-19
14841 SW 39th Tersingle_family543,449$1,245,0002026-04-29
15281 SW 26th Tersingle_family543,403$875,0002026-04-01
15433 SW 20th Lnsingle_family54$1,074,0002026-03-23
5302 SW 164th Plsingle_family521,790$685,0002026-02-20
5110 SW 153rd Pl Nsingle_family532,164$620,0002026-02-20
16242 SW 42nd Tersingle_family542,666$815,0002026-01-28
2080 SW 152nd Plsingle_family543,137$932,0002026-01-16
16141 SW 42nd Tersingle_family542,629$800,0002025-11-21
16262 SW 44th Tersingle_family542,916$940,0002025-11-18
1724 SW 154th Pathsingle_family532,765$895,0002025-10-28
15361 SW 39th Lnsingle_family532,076$745,0002025-10-22
14842 SW 22nd Tersingle_family522,545$790,0002025-10-17
3844 SW 149th Plsingle_family531,936$825,0002025-10-03
3083 SW 147th Plsingle_family543,014$885,0002025-10-03
16548 SW 43rd Lnsingle_family532,565$735,5002025-09-18

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
15867 SW 44th Stsingle_family532,812$1,050,000
4450 SW 164th Avesingle_family532,733$925,000
15454 SW 41st Tersingle_family553,056$950,000
16234 SW 48th Tersingle_family532,624$1,600,000
16588 SW 44th Stsingle_family542,731$1,200,000
16237 SW 44th Tersingle_family542,916$999,999
5441 SW 155th Plsingle_family542,677$739,998
2517 SW 148th Ctsingle_family532,372$1,200,000

10-year hold projection

IRR-3.0%
Equity multiple0.51x
Total return (10yr)$9,293
YearProperty valueNOICash flowLoan balanceEquity
1$1,375,050$21,229-$64,729$1,056,420$318,630
2$1,416,302$22,091-$63,957$1,044,046$372,256
3$1,458,791$22,984-$63,156$1,030,821$427,969
4$1,502,554$23,910-$62,325$1,016,689$485,866
5$1,547,631$24,869-$61,462$1,001,585$546,046
6$1,594,060$25,864-$60,567$985,445$608,615
7$1,641,882$26,894-$59,638$968,196$673,685
8$1,691,138$27,962-$58,675$949,763$741,375
9$1,741,872$29,068-$57,676$930,064$811,808
10$1,794,128$30,214-$56,639$909,012$885,116
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.