10321 SW 89th Ave
Miami, FL 33176 · single_family · For Sale · 52 days on market
Asking price$2,195,000
5 beds 6 baths 3,751 sqft
Suggested offer$1,973,514$221,486 above the est. market value of $1,973,514.
View on Realtor.com →Listed by Mark Salib · Real Estate of Florida Broward
Typesingle_family
Built1987
Price / sqft$585
Est. value (own analysis)$1,973,514
Rent estimate (own analysis)$11,500/mo
HOA$333/mo
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Statusfor_sale
Listed date2026-07-13
Removed date—
MLSMiamiMLS #A12052312
Coordinates25.67370, -80.33849
Address10321 SW 89th Ave
CityMiami
StateFL
Zip33176
Listing ID6440288605
Sourceus-real-estate-listings, cached 2026-08-25
ZIP market snapshot (33176)
Typical home value (ZHVI)$630,508
Typical rent (ZORI)$2,301/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 | $2,195,000 |
| Down payment (20.0%) | $439,000 |
| Loan amount | $1,756,000 |
| Closing costs (5.0%) | $109,750 |
| Total cash to close | $548,750 |
| Income | |
| Rent (comp-derived) | $11,500$138,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $10,580$126,960 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $3,475$41,705 |
| Insurance (placeholder 0.8% of price) | $1,463$17,560 |
| HOA dues | $333$3,996 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $575$6,900 |
| Total operating expenses | $5,847$70,161 |
| 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) | $575$6,900 |
| 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 |
|---|---|---|---|---|---|---|---|
| single_family | 5 | 4 | 4,188 | $11,000 | 2026-08-10 | — | |
| single_family | 5 | 3 | 3,502 | $11,500 | 2026-07-06 | — | |
| single_family | 5 | 4 | 3,889 | $14,000 | 2026-06-29 | — | |
| single_family | 5 | 5 | 4,136 | $11,500 | 2026-06-24 | — | |
| single_family | 5 | 4 | 3,843 | $8,250 | — | — |
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 |
|---|---|---|---|---|---|---|
| 9600 SW 103 ST | SINGLE FAMILY : 1 UNIT | 5 | 3 | 3,529 | $2,050,000 | 2026-04-16 |
| 9260 SW 101 ST | SINGLE FAMILY : 1 UNIT | 5 | 3 | 5,116 | $2,350,000 | 2026-04-02 |
| 8800 SW 118 ST | SINGLE FAMILY : 1 UNIT | 5 | 3 | 5,297 | $1,394,400 | 2026-03-27 |
| 11835 SW 91 AVE | SINGLE FAMILY : 1 UNIT | 5 | 3 | 3,126 | $2,350,000 | 2026-03-24 |
| 9470 SW 97 ST | SINGLE FAMILY : 1 UNIT | 5 | 3 | 4,947 | $2,200,000 | 2026-01-09 |
| 9350 SW 88 TER | SINGLE FAMILY : 1 UNIT | 5 | 3 | 3,137 | $1,150,000 | 2025-12-11 |
| 9696 SW 104 ST | SINGLE FAMILY : 1 UNIT | 5 | 4 | 3,316 | $2,320,000 | 2025-12-02 |
| 8755 SW 96 ST | SINGLE FAMILY : 1 UNIT | 5 | 4 | 2,712 | $1,625,000 | 2025-08-29 |
| 10220 SW 108 ST | SINGLE FAMILY : 1 UNIT | 5 | 2 | 2,935 | $885,000 | 2025-08-27 |
| 9749 SW 111 TER | SINGLE FAMILY : 1 UNIT | 5 | 4 | 4,246 | $1,835,000 | 2025-05-29 |
| 11545 SW 96 TER | SINGLE FAMILY : 1 UNIT | 5 | 4 | 3,614 | $2,100,000 | 2025-05-20 |
| 10150 SW 95 AVE | SINGLE FAMILY : 1 UNIT | 5 | 3 | 4,054 | $2,785,000 | 2025-03-31 |
| 9880 SW 87 AVE | SINGLE FAMILY : 1 UNIT | 5 | 5 | 4,764 | $4,150,000 | 2025-03-03 |
| 9120 SW 103 ST | SINGLE FAMILY : 1 UNIT | 5 | 4 | 3,943 | $2,200,000 | 2025-02-21 |
| 9220 SW 103 ST | SINGLE FAMILY : 1 UNIT | 5 | 3 | 3,183 | $1,700,000 | 2025-02-18 |
| 11201 SW 108 CT | SINGLE FAMILY : 1 UNIT | 5 | 3 | 2,192 | $850,000 | 2024-12-30 |
| 9340 SW 103 ST | SINGLE FAMILY : 1 UNIT | 5 | 4 | 4,303 | $1,857,000 | 2024-11-13 |
| 9531 SW 93 ST | SINGLE FAMILY : 1 UNIT | 5 | 4 | 3,967 | $2,450,000 | 2024-11-12 |
| 9301 SW 93 AVE | SINGLE FAMILY : 1 UNIT | 5 | 3 | 3,808 | $3,475,000 | 2024-11-07 |
| 9669 SW 96 ST | SINGLE FAMILY : 1 UNIT | 5 | 4 | 7,623 | $3,950,000 | 2024-10-31 |
| 9355 SW 93 PL | SINGLE FAMILY : 1 UNIT | 5 | 5 | 4,703 | $65,000 | 2024-10-22 |
| 9350 SW 93 PL | SINGLE FAMILY : 1 UNIT | 5 | 4 | 4,037 | $1,950,000 | 2024-09-27 |
| 10300 SW 90 AVE | SINGLE FAMILY : 1 UNIT | 5 | 5 | 5,361 | $3,000,000 | 2024-09-10 |
| 10400 SW 92 AVE | SINGLE FAMILY : 1 UNIT | 5 | 4 | 3,685 | $2,150,000 | 2024-08-30 |
| 11723 SW 102 CT | SINGLE FAMILY : 1 UNIT | 5 | 4 | 2,449 | $1,125,000 | 2024-06-28 |
| 10090 SW 89 CT | SINGLE FAMILY : 1 UNIT | 5 | 5 | 4,795 | $2,900,000 | 2024-06-13 |
| 9520 SW 100 ST | SINGLE FAMILY : 1 UNIT | 5 | 3 | 4,184 | $1,850,000 | 2024-06-08 |
| 10100 SW 90 AVE | SINGLE FAMILY : 1 UNIT | 5 | 3 | 5,221 | $2,850,000 | 2024-05-21 |
| 11005 SW 95 ST | SINGLE FAMILY : 1 UNIT | 5 | 2 | 3,379 | $1,965,000 | 2024-04-18 |
| 10504 SW 115 CT | SINGLE FAMILY : CLUSTER HOME | 5 | 4 | 2,803 | $922,000 | 2024-03-13 |
| 8930 SW 101 ST | SINGLE FAMILY : 1 UNIT | 5 | 5 | 4,753 | $2,225,000 | 2024-02-29 |
| 9320 SW 102 ST | SINGLE FAMILY : 1 UNIT | 5 | 4 | 4,767 | $263,900 | 2024-02-24 |
| 9701 SW 94 TER | SINGLE FAMILY : 1 UNIT | 5 | 5 | 4,058 | $1,500,000 | 2024-02-22 |
| 8950 SW 93 CT | SINGLE FAMILY : 1 UNIT | 5 | 3 | 4,147 | $1,450,000 | 2024-01-10 |
| 11340 SW 93 ST | SINGLE FAMILY : 1 UNIT | 5 | 4 | 5,058 | $2,500,000 | 2023-12-13 |
| 9684 SW 99 ST | SINGLE FAMILY : 1 UNIT | 5 | 2 | 2,715 | $1,700,000 | 2023-11-09 |
| 11511 SW 95 ST | SINGLE FAMILY : 1 UNIT | 5 | 7 | 5,563 | $4,000,000 | 2023-11-02 |
| 9201 SW 102 ST | SINGLE FAMILY : 1 UNIT | 5 | 3 | 3,981 | $2,400,000 | 2023-10-17 |
| 10001 SW 90 AVE | SINGLE FAMILY : 1 UNIT | 5 | 4 | 4,101 | $2,410,000 | 2023-09-11 |
| 10380 SW 97 TER | SINGLE FAMILY : 1 UNIT | 5 | 3 | 2,520 | $1,060,000 | 2023-06-26 |
| 9849 SW 111 TER | SINGLE FAMILY : 1 UNIT | 5 | 3 | 3,910 | $1,710,000 | 2023-04-03 |
| 9765 SW 110 ST | SINGLE FAMILY : 1 UNIT | 5 | 6 | 4,134 | $4,050,000 | 2023-03-16 |
| 8940 SW 96 ST | SINGLE FAMILY : 1 UNIT | 5 | 3 | 3,699 | $2,425,000 | 2023-02-15 |
| 10325 SW 89 CT | SINGLE FAMILY : 1 UNIT | 5 | 3 | 3,983 | $1,789,000 | 2022-09-02 |
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 |
|---|---|---|---|---|---|---|
| 10040 SW 124th St | single_family | 5 | 6 | 4,039 | $3,500,000 | — |
| 9818 SW 111th Ter | single_family | 5 | 4 | 4,137 | $1,949,000 | — |
| 13241 SW 104th Ave | single_family | 5 | 3 | 3,031 | $1,749,000 | — |
| 11601 SW 88th Ave | single_family | 5 | 3 | 4,023 | $2,099,000 | — |
| single_family | 5 | 3 | 2,492 | $699,900 | — | |
| 14321 SW 99th Ct | single_family | 5 | 5 | 3,883 | $1,699,000 | — |
| 9245 SW 93rd Ave | single_family | 5 | 6 | 6,239 | $4,965,000 | — |
| 10520 SW 124th St | multi_family | 5 | 4 | 3,645 | $3,180,000 | — |
10-year hold projection
IRR-0.4%
Equity multiple0.94x
Total return (10yr)$254,269
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $2,260,850 | $56,799 | -$85,515 | $1,736,961 | $523,889 |
| 2 | $2,328,676 | $58,854 | -$83,633 | $1,716,615 | $612,061 |
| 3 | $2,398,536 | $60,979 | -$81,685 | $1,694,871 | $703,665 |
| 4 | $2,470,492 | $63,177 | -$79,668 | $1,671,634 | $798,858 |
| 5 | $2,544,607 | $65,450 | -$77,581 | $1,646,802 | $897,805 |
| 6 | $2,620,945 | $67,801 | -$75,420 | $1,620,264 | $1,000,681 |
| 7 | $2,699,573 | $70,232 | -$73,185 | $1,591,904 | $1,107,669 |
| 8 | $2,780,560 | $72,745 | -$70,871 | $1,561,597 | $1,218,964 |
| 9 | $2,863,977 | $75,345 | -$68,477 | $1,529,208 | $1,334,769 |
| 10 | $2,949,896 | $78,033 | -$65,999 | $1,494,595 | $1,455,302 |
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.