14830 SW 149th St

Miami, FL 33196 · single_family · For Sale · 77 days on market
Asking price$1,285,000
5 beds 3 baths 2,930 sqft
Suggested offer$875,660$409,340 above the est. market value of $875,660.
View on Realtor.com →
Listed by Carolina Henao-feliu · One Stop Realty
Typesingle_family
Built1996
Price / sqft$439
Est. value (own analysis)$875,660
Rent estimate (own analysis)$4,438/mo
HOA$102/mo
Wind10/10Extreme$Heat10/10ExtremeFlood5/10major$Air2/10MinorWildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2026-06-17
Removed date
MLSMiamiMLS #A12038622
Coordinates25.62884, -80.43320
Address14830 SW 149th St
CityMiami
StateFL
Zip33196
Listing ID6348901142
Sourceus-real-estate-listings, cached 2026-08-28

ZIP market snapshot (33196)

Typical home value (ZHVI)$568,371
Typical rent (ZORI)$2,615/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$1,285,000
Down payment (20.0%)$257,000
Loan amount$1,028,000
Closing costs (5.0%)$64,250
Total cash to close$321,250
Rent (comp-derived)$4,438$53,250
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$53,250
Vacancy rate (assumption) assumption8.0%

$53,250 × 8.0% = $4,260

Effective gross income$4,083$48,990
Property tax (placeholder 1.9% of price)$2,035$24,415
Insurance (est. scaled by flood & wind risk)$1,499$17,990
HOA dues$102$1,224
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$222$2,663
Total operating expenses$3,858$46,292
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$48,990
Total operating expenses derived$46,292

$48,990 − $46,292 = $2,699

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$1,028,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$1,028,000 amortized at 6.7% over 30 years = $6,606/mo

CapEx reserve (5.0% of GSR)$222$2,663
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$2,699
Annual debt service derived$79,274
Annual CapEx reserve assumption$2,663
Annual PMI assumption$0

($2,699 − $79,274 − $2,663 − $0) ÷ 12 = -$6,603

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$2,699
Purchase price data$1,285,000

$2,699 ÷ $1,285,000 = 0.2%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$79,238
Total cash to close derived$321,250

-$79,238 ÷ $321,250 = -24.7%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$2,699
Annual debt service derived$79,274

$2,699 ÷ $79,274 = 0.03

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$53,250
Purchase price data$1,285,000

($53,250 ÷ 12) ÷ $1,285,000 = 0.3%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$1,285,000
Gross scheduled rent (annual) comp$53,250

$1,285,000 ÷ $53,250 = 24.1

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$46,292
Effective gross income derived$48,990

$46,292 ÷ $48,990 = 94.5%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$46,292
Annual debt service derived$79,274
Annual PMI assumption$0
Gross scheduled rent (annual) comp$53,250

($46,292 + $79,274 + $0) ÷ $53,250 = 235.8%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family542,905$5,7252026-09-01
single_family532,480$3,8752026-08-15
single_family531,908$5,0002026-08-14
single_family543,082$8,0002026-07-31
single_family532,376$3,680
single_family532,480$3,875

15813 SW 140th St

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage2,905
Listed2026-09-01
Days on market

Asking rent: $5,725

View on Zillow →

15157 SW 95th St Unit 15157

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,480
Listed2026-08-15
Days on market

Asking rent: $3,875

View on Zillow →

14571 SW 160th Ct

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage1,908
Listed2026-08-14
Days on market

Asking rent: $5,000

View on Zillow →

13661 SW 160th Ct

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage3,082
Listed2026-07-31
Days on market

Asking rent: $8,000

View on Zillow →

16147 SW 143rd St

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,376
Listed
Days on market

Asking rent: $3,680

View on Zillow →

15157 SW 95th St # 0

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,480
Listed
Days on market

Asking rent: $3,875

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
9166 SW 168th Ctsingle_family541,718$630,0002026-08-06
15976 SW 136th Tersingle_family543,045$940,0002026-08-06
16131 SW 151st Tersingle_family532,312$710,0002026-06-11
9443 SW 170th Pathsingle_family553,344$850,0002026-05-06
17063 SW 91st Stsingle_family553,344$900,0002026-04-24
15425 SW 114th Stsingle_family532,877$849,9002026-04-23
16044 SW 136th Waysingle_family543,045$1,030,0002026-04-13
9777 SW 161st Plsingle_family532,830$850,0002026-03-26
16122 SW 104th Tersingle_family532,390$580,0002026-03-10
16132 SW 147th Lnsingle_family543,075$815,0002026-02-13
15051 SW 149th Stsingle_family554,549$836,0002026-02-12
14552 SW 155th Plsingle_family532,340$520,0002026-02-09
10823 SW 147th Ctsingle_family532,054$692,0002026-01-30
15757 SW 102nd Stsingle_family532,623$780,0002026-01-09
14514 SW 161st Ctsingle_family542,320$1,050,0002025-12-11
16445 SW 100th Tersingle_family532,532$780,0002025-12-01

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.

AddressTypeBedsBathsSqftAsking priceDays on market
10331 SW 164th Ctsingle_family532,532$750,000
13624 SW 158th Avesingle_family54$775,000
9301 SW 171st Avetownhomes542,312$649,500
10056 SW 165th Ctsingle_family532,532$639,900
15725 SW 136th Tersingle_family542,582$765,000
17087 SW 93rd Sttownhomes542,312$639,800
16141 SW 96th Tersingle_family532,417$849,000
17146 SW 93rd Sttownhomes542,312$645,000

10-year hold projection

IRR-6.5%
Equity multiple-0.10x
Total return (10yr)-$184,615
YearProperty valueNOICash flowLoan balanceEquity
1$1,323,550$2,699-$79,238$1,016,854$306,696
2$1,363,257$3,011-$78,993$1,004,943$358,313
3$1,404,154$3,338-$78,733$992,214$411,940
4$1,446,279$3,682-$78,460$978,611$467,668
5$1,489,667$4,042-$78,172$964,073$525,594
6$1,534,357$4,418-$77,869$948,538$585,819
7$1,580,388$4,813-$77,549$931,935$648,453
8$1,627,800$5,225-$77,214$914,193$713,607
9$1,676,634$5,657-$76,861$895,232$781,402
10$1,726,933$6,109-$76,490$874,969$851,964
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.