8054 SW 86th Ter
Miami, FL 33143 · townhomes · For Sale · 54 days on market
Asking price$875,000
3 beds 3 baths 2,019 sqft
Listed by Suzanne Feanny · Compass Florida, LLC.
Typetownhomes
Built1980
Price / sqft$433
Est. value (own analysis)$1,008,314
Rent estimate (own analysis)$5,200/mo
HOA$685/mo
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Statusfor_sale
Listed date2026-07-10
Removed date—
MLSMiamiMLS #A12049490
Coordinates25.68943, -80.32372
Address8054 SW 86th Ter
CityMiami
StateFL
Zip33143
Listing ID6346538867
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33143)
Typical home value (ZHVI)$957,553
Typical rent (ZORI)$2,761/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 | $875,000 |
| Down payment (20.0%) | $175,000 |
| Loan amount | $700,000 |
| Closing costs (5.0%) | $43,750 |
| Total cash to close | $218,750 |
| Income | |
| Rent (comp-derived) | $5,200$62,400 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,784$57,408 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,385$16,625 |
| Insurance (placeholder 0.8% of price) | $583$7,000 |
| HOA dues | $685$8,220 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $260$3,120 |
| Total operating expenses | $2,914$34,965 |
| 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) | $260$3,120 |
| 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 |
|---|---|---|---|---|---|---|---|
| townhomes | 3 | 2 | 1,754 | $3,300 | 2026-09-01 | — | |
| townhomes | 3 | 4 | 2,509 | $6,450 | 2026-08-04 | — | |
| townhomes | 3 | 3 | 1,700 | $5,200 | 2026-08-19 | — |
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 |
|---|---|---|---|---|---|---|
| 5772 SW 74 TER | TOTAL VALUE : TOWNHOUSE | 3 | 2 | 1,702 | $847,000 | 2024-05-16 |
| 5784 SW 74 TER | TOTAL VALUE : TOWNHOUSE | 3 | 2 | 1,702 | $985,000 | 2023-09-08 |
| 5770 SW 74 TER | TOTAL VALUE : TOWNHOUSE | 3 | 2 | 1,702 | $850,000 | 2023-07-27 |
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 |
|---|---|---|---|---|---|---|
| 5775 SW 57th Ter | single_family | 3 | 2 | 1,841 | $1,350,000 | — |
| 7050 SW 82nd Ct | single_family | 3 | 2 | 1,312 | $1,400,000 | — |
| 7240 Sunset Dr | single_family | 3 | 3 | 1,591 | $2,675,000 | — |
| 8530 SW 81st Ln | single_family | 3 | 2 | 2,154 | $1,150,000 | — |
| 8121 SW 82nd Ct | townhomes | 3 | 3 | 1,470 | $645,000 | — |
| 7483 SW 82nd St Apt A102 | condos | 3 | 2 | 1,140 | $385,000 | — |
| 6325 SW 84th St | single_family | 3 | 2 | 1,886 | $1,775,000 | — |
| 5600 SW 74th Ct | single_family | 3 | 2 | 2,038 | $1,100,000 | — |
10-year hold projection
IRR-0.5%
Equity multiple0.92x
Total return (10yr)$96,763
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $901,250 | $22,443 | -$34,658 | $692,410 | $208,840 |
| 2 | $928,288 | $23,291 | -$33,888 | $684,300 | $243,988 |
| 3 | $956,136 | $24,169 | -$33,090 | $675,632 | $280,504 |
| 4 | $984,820 | $25,078 | -$32,263 | $666,369 | $318,451 |
| 5 | $1,014,365 | $26,018 | -$31,406 | $656,470 | $357,895 |
| 6 | $1,044,796 | $26,992 | -$30,519 | $645,891 | $398,905 |
| 7 | $1,076,140 | $27,999 | -$29,599 | $634,586 | $441,554 |
| 8 | $1,108,424 | $29,042 | -$28,647 | $622,504 | $485,920 |
| 9 | $1,141,677 | $30,121 | -$27,661 | $609,593 | $532,084 |
| 10 | $1,175,927 | $31,238 | -$26,639 | $595,795 | $580,132 |
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.