5095 SW 82nd St
Miami, FL 33143 · single_family · For Sale · 324 days on market
Asking price$24,500,000
7 beds 10 baths 10,693 sqft
Suggested offer$14,634,580$9,865,420 above the est. market value of $14,634,580.
View on Realtor.com →Listed by Amy Hollub · Compass Florida, LLC.
Typesingle_family
Built2026
Price / sqft$2291
Est. value (own analysis)$14,634,580
Rent estimate (own analysis)$20,000/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood6/10major$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2025-10-13
Removed date—
MLSMiamiMLS #A11894514
Coordinates25.69604, -80.27548
Address5095 SW 82nd St
CityMiami
StateFL
Zip33143
Listing ID6463926585
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 | $24,500,000 |
| Down payment (20.0%) | $4,900,000 |
| Loan amount | $19,600,000 |
| Closing costs (5.0%) | $1,225,000 |
| Total cash to close | $6,125,000 |
| Income | |
| Rent (comp-derived) | $20,000$240,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $18,400$220,800 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $38,792$465,500 |
| Insurance (est. scaled by flood & wind risk) | $28,583$343,000 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $1,000$12,000 |
| Total operating expenses | $68,375$820,500 |
| 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) | $1,000$12,000 |
| 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 | 7 | 5 | 2,670 | $8,000 | 2026-07-14 | — | |
| single_family | 7 | 3 | 2,986 | $8,000 | 2026-08-25 | — | |
| single_family | 7 | 7 | 5,119 | $13,990 | 2026-06-17 | — | |
| single_family | 7 | 9 | 5,797 | $27,000 | 2026-07-29 | — | |
| single_family | 7 | 5 | 1,107 | $15,000 | 2025-10-28 | — | |
| single_family | 7 | 7 | 3,973 | $31,500 | — | — | |
| single_family | 7 | 7 | 3,973 | $31,500 | — | — | |
| single_family | 7 | 7 | 8,000 | $25,000 | 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 |
|---|---|---|---|---|---|---|
| 5545 SW 81st Ter | single_family | 7 | 8 | — | $18,850,000 | 2026-06-23 |
| 8301 SW 53rd Ave | single_family | 7 | 8 | 6,702 | $12,550,000 | 2026-06-18 |
| 4780 SW 86th Ter | single_family | 7 | 9 | 9,909 | $15,000,000 | 2026-05-22 |
| 7420 SW 52nd Ave | single_family | 7 | 6 | 6,138 | $7,650,000 | 2026-04-09 |
| 4845 SW 78th St | single_family | 7 | 7 | 8,038 | $8,800,000 | 2026-03-03 |
| 104 Paloma Dr | single_family | 7 | 7 | 6,576 | $9,000,000 | 2026-02-06 |
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 |
|---|---|---|---|---|---|---|
| 7745 SW 54th Ave | single_family | 7 | 9 | 5,797 | $5,395,000 | — |
| 7930 SW 52nd Ct | single_family | 7 | 8 | 5,452 | $5,650,000 | — |
| 7855 SW 83rd Ct | single_family | 7 | 7 | 7,831 | $5,395,000 | — |
| 4640 Sunset Dr | single_family | 7 | 9 | 7,339 | $11,200,000 | — |
| 7910 SW 73rd Ct | single_family | 7 | 4 | 3,667 | $2,600,000 | — |
| 8400 SW 52nd Ave | single_family | 7 | 8 | 6,495 | $8,270,000 | — |
| 7538 SW 64th St | single_family | 7 | 8 | 7,395 | $5,400,000 | — |
| 8010 Ponce De Leon Rd | single_family | 7 | 8 | 6,962 | $9,795,000 | — |
10-year hold projection
IRR-13.0%
Equity multiple-1.25x
Total return (10yr)-$10,566,491
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $25,235,000 | -$599,700 | -$2,123,159 | $19,387,492 | $5,847,508 |
| 2 | $25,992,050 | -$613,589 | -$2,137,347 | $19,160,392 | $6,831,658 |
| 3 | $26,771,812 | -$627,791 | -$2,151,857 | $18,917,696 | $7,854,116 |
| 4 | $27,574,966 | -$642,315 | -$2,166,696 | $18,658,334 | $8,916,632 |
| 5 | $28,402,215 | -$657,166 | -$2,181,870 | $18,381,161 | $10,021,054 |
| 6 | $29,254,281 | -$672,353 | -$2,197,388 | $18,084,954 | $11,169,327 |
| 7 | $30,131,910 | -$687,882 | -$2,213,257 | $17,768,407 | $12,363,503 |
| 8 | $31,035,867 | -$703,761 | -$2,229,483 | $17,430,122 | $13,605,745 |
| 9 | $31,966,943 | -$719,997 | -$2,246,076 | $17,068,607 | $14,898,336 |
| 10 | $32,925,951 | -$736,598 | -$2,263,043 | $16,682,266 | $16,243,686 |
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.