1130 SW 86th Ct
Miami, FL 33144 · single_family · For Sale · 247 days on market
Asking price$2,380,000
5 beds 4 baths 3,177 sqft
Suggested offer$1,094,826$1,285,174 above the est. market value of $1,094,826.
View on Realtor.com →Listed by Teresita Lanza · Luxe Properties
Typesingle_family
Built2026
Price / sqft$749
Est. value (own analysis)$1,094,826
Rent estimate (own analysis)$10,000/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood3/10moderate$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2025-12-29
Removed date—
MLSMiamiMLS #A11935956
Coordinates25.75901, -80.33531
Address1130 SW 86th Ct
CityMiami
StateFL
Zip33144
Listing ID6405654024
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33144)
Typical home value (ZHVI)$626,128
Typical rent (ZORI)$2,322/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 | $2,380,000 |
| Down payment (20.0%) | $476,000 |
| Loan amount | $1,904,000 |
| Closing costs (5.0%) | $119,000 |
| Total cash to close | $595,000 |
| Income | |
| Rent (comp-derived) | $10,000$120,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $9,200$110,400 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $3,768$45,220 |
| Insurance (est. scaled by flood & wind risk) | $2,539$30,464 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $500$6,000 |
| Total operating expenses | $6,807$81,684 |
| 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) | $500$6,000 |
| 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
Widened to city-wide. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| single_family | 5 | 3 | 3,002 | $12,000 | 2026-08-19 | — | |
| single_family | 5 | 6 | 4,212 | $11,000 | 2026-08-19 | — | |
| single_family | 5 | 3 | 3,050 | $5,999 | 2026-08-18 | — | |
| single_family | 5 | 4 | 2,452 | $21,000 | 2026-08-17 | — | |
| single_family | 5 | 5 | 3,827 | $12,000 | 2026-08-15 | — | |
| single_family | 5 | 3 | 2,480 | $3,875 | 2026-08-15 | — | |
| single_family | 5 | 3 | 2,176 | $9,000 | 2026-08-13 | — | |
| single_family | 5 | 3 | 2,200 | $5,250 | 2026-08-13 | — | |
| single_family | 5 | 4 | 4,188 | $11,000 | 2026-08-10 | — | |
| single_family | 5 | 4 | 2,323 | $5,700 | 2026-08-06 | — | |
| single_family | 5 | 3 | 2,592 | $14,000 | 2026-07-27 | — | |
| single_family | 5 | 3 | 3,558 | $10,800 | 2026-07-25 | — | |
| single_family | 5 | 7 | 3,782 | $19,000 | 2026-07-23 | — | |
| single_family | 5 | 3 | 2,547 | $7,900 | 2026-07-20 | — | |
| single_family | 5 | 3 | 2,711 | $4,550 | 2026-07-19 | — | |
| single_family | 5 | 3 | 2,781 | $14,500 | 2026-07-18 | — | |
| single_family | 5 | 4 | 3,073 | $5,000 | 2026-07-18 | — | |
| single_family | 5 | 8 | 2,326 | $8,200 | 2026-07-13 | — | |
| single_family | 5 | 4 | 3,073 | $5,000 | 2026-07-13 | — | |
| single_family | 5 | 3 | 2,733 | $6,300 | 2026-07-12 | — | |
| single_family | 5 | 3 | 3,001 | $5,200 | 2026-07-07 | — | |
| single_family | 5 | 3 | 3,174 | $7,995 | 2026-07-06 | — | |
| single_family | 5 | 3 | 3,502 | $11,500 | 2026-07-06 | — | |
| single_family | 5 | 6 | 3,716 | $6,000 | 2026-07-02 | — | |
| single_family | 5 | 4 | 3,200 | $17,500 | 2026-07-01 | — | |
| single_family | 5 | 4 | 3,889 | $14,000 | 2026-06-29 | — | |
| single_family | 5 | 5 | 3,010 | $14,300 | 2026-06-26 | — | |
| single_family | 5 | 4 | 3,294 | $5,995 | 2026-08-24 | — | |
| single_family | 5 | 2 | 2,597 | $13,500 | 2026-06-25 | — | |
| single_family | 5 | 5 | 4,136 | $11,500 | 2026-06-24 | — | |
| single_family | 5 | 5 | 4,197 | $19,900 | 2026-06-17 | — | |
| single_family | 5 | 4 | 3,114 | $16,000 | 2026-06-17 | — | |
| single_family | 5 | 4 | 3,518 | $13,950 | 2026-06-17 | — | |
| single_family | 5 | 4 | 2,092 | $9,500 | 2026-06-16 | — | |
| single_family | 5 | 5 | 3,696 | $8,250 | 2026-06-05 | — | |
| single_family | 5 | 4 | 4,269 | $14,000 | 2026-06-05 | — | |
| single_family | 5 | 5 | 3,721 | $21,500 | 2026-05-27 | — | |
| single_family | 5 | 3 | 3,727 | $8,500 | 2026-05-13 | — | |
| single_family | 5 | 3 | 2,091 | $6,999 | 2026-05-11 | — | |
| single_family | 5 | 5 | 3,593 | $8,500 | 2026-08-03 | — | |
| single_family | 5 | 7 | 4,173 | $49,000 | 2026-07-28 | — | |
| single_family | 5 | 3 | 2,369 | $4,250 | 2023-04-07 | — | |
| single_family | 5 | 3 | 3,780 | $15,000 | 2024-10-29 | — | |
| single_family | 5 | 4 | 2,916 | $6,000 | 2026-08-23 | — | |
| single_family | 5 | 3 | 2,189 | $12,000 | 2026-04-02 | — | |
| single_family | 5 | 5 | 3,698 | $25,000 | 2025-11-17 | — | |
| single_family | 5 | 4 | 4,084 | $17,000 | 2025-11-14 | — | |
| single_family | 5 | 5 | 4,205 | $8,500 | 2025-08-26 | — | |
| single_family | 5 | 5 | 4,119 | $18,500 | 2026-04-01 | — | |
| single_family | 5 | 5 | 4,057 | $14,950 | 2026-04-20 | — | |
| single_family | 5 | 3 | 2,946 | $5,000 | — | — | |
| single_family | 5 | 4 | 2,916 | $6,000 | 2026-08-25 | — | |
| single_family | 5 | 3 | 2,589 | $4,795 | — | — | |
| single_family | 5 | 3 | 3,114 | $5,900 | — | — | |
| single_family | 5 | 4 | 3,843 | $8,250 | — | — | |
| single_family | 5 | 3 | 4,185 | $15,000 | — | — | |
| single_family | 5 | 4 | 3,103 | $10,000 | — | — | |
| single_family | 5 | 6 | 4,253 | $30,000 | — | — | |
| single_family | 5 | 5 | 3,629 | $25,000 | — | — | |
| single_family | 5 | 3 | 2,719 | $4,750 | — | — | |
| single_family | 5 | 5 | 4,205 | $8,500 | 2025-11-27 | — | |
| single_family | 5 | 6 | 4,250 | $55,000 | 2025-11-16 | — | |
| single_family | 5 | 4 | 3,160 | $21,000 | 2026-08-27 | — | |
| single_family | 5 | 6 | 4,253 | $30,000 | 2025-11-24 | — | |
| single_family | 5 | 4 | 2,470 | $7,500 | — | — | |
| single_family | 5 | 3 | 2,442 | $6,500 | 2026-08-30 | — | |
| single_family | 5 | 3 | 2,480 | $3,875 | — | — | |
| single_family | 5 | 3 | 2,446 | $7,000 | 2026-09-01 | — | |
| single_family | 5 | 4 | 2,194 | $12,500 | 2026-09-01 | — |
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 |
|---|---|---|---|---|---|---|
| 1520 SW 86th Ct | single_family | 5 | 3 | 2,960 | $990,000 | 2026-06-08 |
| 935 SW 72nd Ave | single_family | 5 | 5 | 3,002 | $800,000 | 2026-05-26 |
| 6840 SW 3rd St | single_family | 5 | 3 | 2,100 | $745,000 | 2026-03-02 |
| 525 SW 68th Ave | single_family | 5 | 4 | 1,908 | $770,000 | 2025-12-16 |
| 8341 SW 12th Ter | single_family | 5 | 2 | — | $800,000 | 2025-10-14 |
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 |
|---|---|---|---|---|---|---|
| 701 Tamiami Canal Rd | single_family | 5 | 3 | 1,911 | $665,000 | — |
| 5735 SW 4th St | single_family | 5 | 3 | 2,335 | $869,990 | — |
| 8390 SW 2nd St | single_family | 5 | 6 | 4,830 | $1,599,000 | — |
| 31 SW 58th Ct | single_family | 5 | 4 | 1,600 | $674,999 | — |
| 114 SW 57th Ct | single_family | 5 | 4 | 2,280 | $920,000 | — |
| 521 SW 64th Ct | single_family | 5 | 4 | 2,205 | $749,000 | — |
| 1221 SW 74th Ct | single_family | 5 | 3 | 3,146 | $898,000 | — |
| 7231 SW 6th St | single_family | 5 | 2 | 1,805 | $670,000 | — |
10-year hold projection
IRR-4.0%
Equity multiple0.34x
Total return (10yr)-$83,061
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $2,451,400 | $28,716 | -$124,111 | $1,883,356 | $568,044 |
| 2 | $2,524,942 | $29,986 | -$122,992 | $1,861,295 | $663,647 |
| 3 | $2,600,690 | $31,304 | -$121,827 | $1,837,719 | $762,971 |
| 4 | $2,678,711 | $32,672 | -$120,616 | $1,812,524 | $866,187 |
| 5 | $2,759,072 | $34,092 | -$119,358 | $1,785,598 | $973,474 |
| 6 | $2,841,844 | $35,566 | -$118,050 | $1,756,824 | $1,085,021 |
| 7 | $2,927,100 | $37,095 | -$116,691 | $1,726,073 | $1,201,026 |
| 8 | $3,014,913 | $38,681 | -$115,278 | $1,693,211 | $1,321,701 |
| 9 | $3,105,360 | $40,327 | -$113,810 | $1,658,093 | $1,447,267 |
| 10 | $3,198,521 | $42,035 | -$112,286 | $1,620,562 | $1,577,959 |
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.