7785 SW 86th St Unit E414
Miami, FL 33143 · condos · For Sale · 190 days on market
Asking price$295,000
1 beds 2 baths 809 sqft
Suggested offer$286,800$8,200 above the est. market value of $286,800.
View on Realtor.com →Listed by Lee Ann Nobbe · Xcellence Realty
Typecondos
Built—
Price / sqft$365
Est. value (Realtor.com)$286,800
Rent estimate (own analysis)$2,303/mo
HOA$575/mo
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Statusfor_sale
Listed date2026-02-25
Removed date—
MLSMiamiMLS #A11971763
Coordinates25.69115, -80.31942
Address7785 SW 86th St Unit E414
CityMiami
StateFL
Zip33143
Listing ID6351159844
Sourcerealtor, cached 2026-08-21
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 | $295,000 |
| Down payment (20.0%) | $59,000 |
| Loan amount | $236,000 |
| Closing costs (5.0%) | $14,750 |
| Total cash to close | $73,750 |
| Income | |
| Rent (comp-derived) | $2,303$27,630 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,118$25,420 |
| Operating expenses | |
| Property tax (real MLS tax bill, from Realtor Search) | $293$3,510 |
| Insurance (placeholder 0.8% of price) | $197$2,360 |
| HOA dues | $575$6,900 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $115$1,382 |
| Total operating expenses | $1,179$14,152 |
| 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) | $115$1,382 |
| 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 |
|---|---|---|---|---|---|---|---|
| apartment | 1 | 1 | 723 | $2,697 | 2025-05-30 | — | |
| condos | 1 | 1 | 648 | $1,950 | 2026-08-20 | — | |
| condos | 1 | 1 | 710 | $2,000 | 2026-08-19 | — | |
| apartment | 1 | 1 | 630 | $1,800 | 2024-12-18 | — | |
| condos | 1 | 2 | 807 | $1,900 | 2026-08-14 | — | |
| condos | 1 | 2 | 809 | $1,850 | 2026-08-13 | — | |
| condos | 1 | 1 | 712 | $1,800 | 2026-08-12 | — | |
| condos | 1 | 1 | 712 | $2,150 | 2026-08-11 | — | |
| condos | 1 | 1 | 654 | $2,000 | 2026-08-11 | — | |
| condos | 1 | 1 | 712 | $1,875 | 2026-08-11 | — | |
| condos | 1 | 1 | 712 | $1,750 | 2026-08-11 | — | |
| apartment | 1 | 1 | 700 | $1,795 | 2026-08-07 | — | |
| condos | 1 | 1 | 712 | $2,000 | 2026-08-06 | — | |
| condos | 1 | 1 | 712 | $1,750 | 2026-07-24 | — | |
| condos | 1 | 2 | 850 | $1,925 | 2026-07-24 | — | |
| apartment | 1 | 1 | 712 | $1,950 | 2026-07-23 | — | |
| condos | 1 | 1 | 712 | $1,950 | 2026-07-23 | — | |
| condos | 1 | 1 | 715 | $1,725 | 2026-07-21 | — | |
| condos | 1 | 1 | 715 | $1,825 | 2026-07-14 | — | |
| condos | 1 | 1 | 710 | $1,950 | 2026-07-12 | — | |
| condos | 1 | 1 | 635 | $1,700 | 2026-07-10 | — | |
| condos | 1 | 2 | 807 | $2,100 | 2026-07-09 | — | |
| condos | 1 | 1 | 715 | $1,800 | 2026-07-06 | — | |
| condos | 1 | 1 | 712 | $1,850 | 2026-07-03 | — | |
| condos | 1 | 1 | 700 | $1,700 | 2026-07-02 | — | |
| condos | 1 | 1 | 665 | $1,800 | 2026-06-26 | — | |
| condos | 1 | 1 | 715 | $1,900 | 2026-06-19 | — | |
| condos | 1 | 1 | 665 | $2,150 | 2026-06-17 | — | |
| apartment | 1 | 1 | 712 | $1,800 | 2026-06-17 | — | |
| condos | 1 | 1 | 560 | $1,750 | 2026-06-17 | — | |
| condos | 1 | 1 | 712 | $1,850 | 2026-06-11 | — | |
| condos | 1 | 1 | 712 | $2,000 | 2026-06-03 | — | |
| condos | 1 | 2 | 807 | $2,100 | 2026-05-28 | — | |
| condos | 1 | 1 | 712 | $1,790 | 2026-05-26 | — | |
| condos | 1 | 1 | 833 | $2,100 | 2026-05-21 | — | |
| condos | 1 | 2 | 809 | $1,850 | 2026-05-19 | — | |
| condos | 1 | 1 | 712 | $1,900 | 2026-05-19 | — | |
| condos | 1 | 2 | 809 | $1,900 | 2026-05-05 | — | |
| condos | 1 | 2 | 780 | $1,800 | 2026-07-29 | — | |
| condos | 1 | 1 | 712 | $2,000 | 2026-08-23 | — | |
| condos | 1 | 1 | 635 | $1,800 | 2026-04-13 | — | |
| condos | 1 | 1 | 635 | $1,800 | 2026-03-11 | — | |
| condos | 1 | 1 | 665 | $1,950 | 2026-08-24 | — | |
| apartment | 1 | 1 | 650 | $2,375 | — | — | |
| apartment | 1 | 1 | 828 | $3,600 | — | — | |
| apartment | 1 | 1 | 650 | $2,375 | — | — | |
| apartment | 1 | 1 | 600 | $2,252 | — | — | |
| apartment | 1 | 1 | 705 | $2,433 | — | — | |
| apartment | 1 | 1 | 684 | $2,475 | — | — | |
| apartment | 1 | 1 | 753 | $2,644 | — | — | |
| apartment | 1 | 1 | 753 | $2,665 | — | — | |
| apartment | 1 | 1 | 805 | $2,734 | — | — | |
| apartment | 1 | 1 | 756 | $2,558 | — | — | |
| apartment | 1 | 1 | 682 | $2,621 | — | — | |
| apartment | 1 | 1 | 804 | $2,961 | — | — | |
| apartment | 1 | 1 | 723 | $2,763 | — | — | |
| apartment | 1 | 1 | 764 | $2,590 | 2024-04-12 | — | |
| condos | 1 | 1 | 635 | $1,750 | 2026-08-27 | — | |
| condos | 1 | 1 | 612 | $2,300 | 2026-07-02 | — | |
| condos | 1 | 1 | 665 | $2,000 | 2026-08-26 | — | |
| condos | 1 | 1 | 700 | $1,650 | 2026-08-25 | — | |
| condos | 1 | 1 | 700 | $2,100 | 2026-08-25 | — | |
| condos | 1 | 1 | 665 | $2,200 | 2026-08-26 | — | |
| condos | 1 | 1 | 612 | $2,500 | 2026-06-17 | — | |
| condos | 1 | 2 | 924 | $2,800 | 2026-06-17 | — | |
| condos | 1 | 1 | 720 | $2,100 | 2026-07-30 | — | |
| condos | 1 | 1 | 652 | $2,300 | 2026-07-08 | — | |
| condos | 1 | 1 | 652 | $2,400 | 2026-08-03 | — | |
| apartment | 1 | 1 | 652 | — | 2024-04-12 | — | |
| apartment | 1 | 1 | 779 | $2,821 | — | — | |
| apartment | 1 | 1 | 626 | $2,305 | 2025-10-14 | — | |
| apartment | 1 | 1 | 798 | $3,880 | — | — | |
| apartment | 1 | 1 | 806 | $2,854 | — | — | |
| apartment | 1 | 1 | 815 | $3,091 | — | — | |
| apartment | 1 | 1 | 740 | $2,689 | — | — | |
| apartment | 1 | 2 | 1,004 | $2,868 | — | — | |
| apartment | 1 | 1 | 737 | $2,999 | — | — | |
| apartment | 1 | 1 | 804 | $2,901 | — | — | |
| apartment | 1 | 1 | 710 | $2,867 | — | — | |
| apartment | 1 | 1 | 698 | $2,621 | — | — | |
| apartment | 1 | 1 | 705 | $2,423 | — | — | |
| apartment | 1 | 1 | 646 | $2,579 | — | — | |
| apartment | 1 | 1 | 646 | $2,649 | — | — | |
| apartment | 1 | 1 | 646 | $2,639 | — | — | |
| apartment | 1 | 1 | 695 | $2,723 | — | — | |
| apartment | 1 | 1 | 804 | $2,951 | — | — | |
| apartment | 1 | 1 | 804 | $2,901 | — | — | |
| apartment | 1 | 1 | 892 | $2,804 | — | — | |
| apartment | 1 | 1 | 892 | $2,794 | — | — | |
| apartment | 1 | 1 | 723 | $2,883 | — | — | |
| apartment | 1 | 1 | 804 | $3,001 | — | — | |
| apartment | 1 | 1 | 797 | $3,001 | — | — | |
| apartment | 1 | 1 | 710 | $2,861 | — | — | |
| apartment | 1 | 1 | 821 | $3,064 | — | — | |
| apartment | 1 | 2 | 1,004 | $3,057 | — | — | |
| apartment | 1 | 1 | 712 | $3,081 | — | — | |
| apartment | 1 | 2 | 1,004 | $3,027 | — | — | |
| apartment | 1 | 1 | 797 | $3,086 | — | — | |
| apartment | 1 | 1 | 852 | $3,128 | — | — | |
| apartment | 1 | 1 | 852 | $3,168 | — | — | |
| apartment | 1 | 2 | 1,011 | $3,420 | — | — | |
| apartment | 1 | 2 | 1,011 | $3,380 | — | — | |
| apartment | 1 | 1 | 806 | $3,133 | — | — |
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 |
|---|---|---|---|---|---|---|
| 8103 Camino Real Apt 407 | condos | 1 | 1 | 712 | $240,000 | 2026-08-27 |
| 7740 Camino Real Apt 306 | condos | 1 | 1 | 712 | $230,000 | 2026-08-24 |
| 7530 SW 82nd St Apt G102 | condos | 1 | 1 | 700 | $142,500 | 2026-07-30 |
| 7473 SW 82nd St Apt A209 | condos | 1 | 1 | 665 | $235,000 | 2026-06-30 |
| 7483 SW 82nd St Apt A308 | condos | 1 | 1 | 665 | $255,000 | 2026-06-23 |
| 7705 SW 86th St Unit B213 | condos | 1 | 2 | 809 | $215,000 | 2026-06-22 |
| 7732 Camino Real Apt 104 | condos | 1 | 1 | 712 | $240,000 | 2026-06-17 |
| 7401 SW 82nd St Unit 202S | condos | 1 | 1 | 654 | $262,000 | 2026-05-18 |
| 6427629557 | condos | 1 | 2 | 671 | $170,000 | 2026-05-14 |
| 7473 SW 82nd St Apt A113 | condos | 1 | 1 | 665 | $235,000 | 2026-05-08 |
| 7785 SW 86th St Unit E119 | condos | 1 | 2 | 809 | $220,000 | 2026-05-07 |
| 8101 Camino Real Apt 320 | condos | 1 | 1 | 712 | $300,000 | 2026-04-09 |
| 7722 Camino Real Apt 317 | condos | 1 | 1 | 712 | $305,000 | 2026-04-09 |
| 6001 SW 70th St Apt 249 | condos | 1 | 1 | 652 | $277,000 | 2026-04-08 |
| 7505 SW 82nd St Apt 211 | condos | 1 | 1 | 671 | $179,000 | 2026-03-25 |
| 7940 SW 55th Ave Unit 66A | condos | 1 | 1 | 665 | $342,000 | 2026-03-25 |
| 7777 SW 86th St Unit F1-210 | condos | 1 | 1 | 715 | $200,000 | 2026-03-20 |
| 7707 SW 86th St Unit B101 | condos | 1 | 2 | 809 | $250,000 | 2026-03-16 |
| 6310 SW 79th St Apt 19 | condos | 1 | 1 | 510 | $221,000 | 2026-03-06 |
| 6001 SW 70th St Apt 535 | condos | 1 | 1 | 652 | $290,000 | 2026-02-23 |
| 6372513229 | condos | 1 | 1 | 712 | $219,000 | 2026-02-19 |
| 7701 Camino Real Apt 419 | condos | 1 | 1 | 712 | $235,000 | 2026-01-05 |
| 7901 SW 64th Ave Apt 16 | condos | 1 | 1 | 451 | $185,000 | 2025-12-30 |
| 7745 SW 86th St Unit D316 | condos | 1 | 1 | 715 | $247,500 | 2025-12-23 |
| 8103 Camino Real Apt 307 | condos | 1 | 1 | 712 | $250,000 | 2025-12-18 |
| 7850 Camino Real Apt 117 | condos | 1 | 1 | 712 | $300,000 | 2025-12-17 |
| 7370 SW 82nd St Apt E217 | condos | 1 | 1 | 635 | $158,000 | 2025-12-15 |
| 7477 SW 82nd St Apt C118 | condos | 1 | 1 | 665 | $229,900 | 2025-12-01 |
| 7703 Camino Real Apt 112 | condos | 1 | 1 | 712 | $230,000 | 2025-11-14 |
| 7725 SW 86th St Unit A1-313 | condos | 1 | 1 | 715 | $235,000 | 2025-11-12 |
| 7840 Camino Real Apt 312P | condos | 1 | 1 | 712 | $273,500 | 2025-10-23 |
| 7705 SW 86th St Unit B309 | condos | 1 | 2 | 809 | $246,500 | 2025-10-08 |
| 7705 SW 86th St Unit B209 | condos | 1 | 2 | 809 | $250,000 | 2025-09-29 |
| 7715 SW 86th St Unit A2-110 | condos | 1 | 2 | 809 | $245,000 | 2025-09-26 |
| 7505 SW 82nd St Apt 301 | condos | 1 | 1 | 560 | $183,000 | 2025-09-25 |
| 7304 SW 82nd St Apt A107 | condos | 1 | 1 | 700 | $215,000 | 2025-09-19 |
| 7340 SW 82nd St Apt C204 | condos | 1 | 1 | 700 | $180,000 | 2025-09-05 |
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 |
|---|---|---|---|---|---|---|
| 7477 SW 82nd St Apt C115 | condos | 1 | 1 | 665 | $259,900 | — |
| 7815 Camino Real Apt 417 | condos | 1 | 1 | 712 | $240,000 | — |
| 7845 Camino Real Apt 413 | condos | 1 | 1 | 712 | $285,000 | — |
| 7915 Camino Real Apt 416 | condos | 1 | 1 | 712 | $300,000 | — |
| 7860 Camino Real Apt 412 | condos | 1 | 1 | 712 | $240,000 | — |
| 7722 Camino Real Apt 304E | condos | 1 | 1 | 712 | $239,999 | — |
| 7410 SW 82nd St Apt K110 | condos | 1 | 1 | 700 | $175,000 | — |
| 7900 Camino Cir Apt 406 | condos | 1 | 1 | 710 | $247,500 | — |
10-year hold projection
IRR2.8%
Equity multiple1.45x
Total return (10yr)$71,980
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $303,850 | $11,268 | -$8,313 | $233,441 | $70,409 |
| 2 | $312,966 | $11,677 | -$7,938 | $230,707 | $82,259 |
| 3 | $322,354 | $12,100 | -$7,551 | $227,785 | $94,570 |
| 4 | $332,025 | $12,537 | -$7,150 | $224,662 | $107,364 |
| 5 | $341,986 | $12,989 | -$6,735 | $221,324 | $120,662 |
| 6 | $352,245 | $13,457 | -$6,305 | $217,758 | $134,488 |
| 7 | $362,813 | $13,941 | -$5,860 | $213,946 | $148,867 |
| 8 | $373,697 | $14,441 | -$5,400 | $209,873 | $163,824 |
| 9 | $384,908 | $14,959 | -$4,924 | $205,520 | $179,388 |
| 10 | $396,455 | $15,494 | -$4,431 | $200,868 | $195,587 |
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.