7281 SW 13th Ter
Miami, FL 33144 · single_family · Pending — under contract · 57 days on market
Asking price$635,000
3 beds 3 baths 1,513 sqft
Listed by Stephanie Jimenez · Keller Williams Realty Partners SW
Typesingle_family
Built1949
Price / sqft$420
Est. value (own analysis)$650,620
Rent estimate (own analysis)$3,750/mo
HOANone
1 / 55
Show every detail
Statusfor_sale
Listed date2026-07-08
Removed date—
MLSMiamiMLS #A12044752
Coordinates25.75794, -80.31342
Address7281 SW 13th Ter
CityMiami
StateFL
Zip33144
Listing ID6475229538
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 | $635,000 |
| Down payment (20.0%) | $127,000 |
| Loan amount | $508,000 |
| Closing costs (5.0%) | $31,750 |
| Total cash to close | $158,750 |
| Income | |
| Rent (comp-derived) | $3,750$45,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,450$41,400 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,005$12,065 |
| Insurance (placeholder 0.8% of price) | $423$5,080 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $188$2,250 |
| Total operating expenses | $1,616$19,395 |
| 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) | $188$2,250 |
| 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 | 3 | 2 | 1,596 | $3,550 | 2026-06-24 | — | |
| single_family | 3 | 2 | 1,224 | $3,950 | 2026-08-13 | — | |
| single_family | 3 | 3 | 1,750 | $3,750 | — | — |
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 |
|---|---|---|---|---|---|---|
| 370 Flagami Blvd | single_family | 3 | 3 | 1,845 | $695,000 | 2026-08-21 |
| 610 SW 66th Ave | single_family | 3 | 2 | 2,362 | $650,000 | 2026-08-18 |
| 5951 SW 4th St | single_family | 3 | 2 | 1,812 | $600,000 | 2026-08-04 |
| 8341 SW 14th St | single_family | 3 | 2 | 1,608 | $820,000 | 2026-07-31 |
| 8301 SW 14th St | single_family | 3 | 2 | 1,353 | $487,500 | 2026-07-30 |
| 8445 SW 5th St | single_family | 3 | 2 | 2,562 | $1,700,000 | 2026-07-29 |
| 6770 SW 15th St | single_family | 3 | 2 | 1,596 | $610,000 | 2026-07-27 |
| 6047 SW 14th St | single_family | 3 | 2 | 1,526 | $721,750 | 2026-07-16 |
| 35 SW 63rd Ct | single_family | 3 | 2 | 1,662 | $689,000 | 2026-07-15 |
| 7373 SW 6th St | single_family | 3 | 1 | 1,522 | $799,000 | 2026-07-02 |
| 5955 SW 4th St | single_family | 3 | 2 | 1,008 | $510,000 | 2026-06-11 |
| 6615 SW 4th St | single_family | 3 | 2 | 1,670 | $732,000 | 2026-06-10 |
| 5851 SW 15th St | single_family | 3 | 2 | 1,395 | $785,000 | 2026-06-09 |
| 445 SW 62nd Ct | single_family | 3 | 2 | 1,941 | $810,000 | 2026-06-01 |
| 231 SW 67th Ave | single_family | 3 | 2 | 1,575 | $480,000 | 2026-05-29 |
| 1310 SW 78th Ave | single_family | 3 | 2 | 1,960 | $785,000 | 2026-05-27 |
| 5940 SW 10th St | single_family | 3 | 2 | 1,683 | $700,000 | 2026-05-20 |
| 651 Tamiami Blvd | single_family | 3 | 1 | 1,258 | $540,000 | 2026-05-12 |
| 6337 SW 11th St | single_family | 3 | 2 | 1,220 | $765,000 | 2026-05-06 |
| 5850 SW 13th Ter | single_family | 3 | 2 | 1,688 | $650,000 | 2026-04-30 |
| 6091 SW 12th St | single_family | 3 | 2 | 1,356 | $675,000 | 2026-04-28 |
| 1400 SW 62nd Ave | single_family | 3 | 1 | 1,154 | $695,000 | 2026-04-17 |
| 1170 SW 85th Ct | single_family | 3 | 2 | 1,741 | $750,000 | 2026-03-31 |
| 1420 SW 82nd Ave | single_family | 3 | 2 | 1,410 | $700,000 | 2026-03-25 |
| 415 Flagami Blvd | single_family | 3 | 1 | 1,295 | $510,000 | 2026-02-12 |
| 941 SW 72nd Ct | single_family | 3 | 2 | 1,530 | $490,000 | 2026-02-09 |
| 6841 SW 1st St | single_family | 3 | 2 | 1,377 | $585,000 | 2026-02-05 |
| 6457 SW 14th St | single_family | 3 | 2 | 1,565 | $682,000 | 2026-01-20 |
| 6751 SW 13th Ter | single_family | 3 | 2 | 1,619 | $630,000 | 2026-01-08 |
| 955 SW 75th Ave | single_family | 3 | 3 | 945 | $540,000 | 2025-12-19 |
| 5860 SW 14th St | single_family | 3 | 2 | 990 | $600,000 | 2025-12-18 |
| 5741 SW 13th St | single_family | 3 | 2 | 1,468 | $830,000 | 2025-12-05 |
| 1501 SW 63rd Ave | single_family | 3 | 1 | 1,466 | $550,000 | 2025-11-26 |
| 8120 SW 10th Ter | single_family | 3 | 2 | 1,433 | $620,000 | 2025-11-19 |
| 6377 SW 15th St | single_family | 3 | 2 | 1,498 | $650,000 | 2025-10-31 |
| 7280 SW 9th St | single_family | 3 | 3 | 2,823 | $700,000 | 2025-10-30 |
| 6723 SW 13th Ter | single_family | 3 | 2 | 1,323 | $550,000 | 2025-10-21 |
| 5801 SW 14th St | single_family | 3 | 1 | 1,453 | $575,000 | 2025-10-14 |
| 1351 SW 74th Ave | single_family | 3 | 1 | 1,119 | $525,000 | 2025-10-14 |
| 560 SW 71st Ct | single_family | 3 | 4 | 1,270 | $570,000 | 2025-10-07 |
| 6811 SW 5th Ter | single_family | 3 | 3 | 1,306 | $689,000 | 2025-10-02 |
| 100 SW 67th Ct | single_family | 3 | 2 | 1,462 | $590,000 | 2025-10-01 |
| 1111 SW 85th Ave | single_family | 3 | 2 | 1,452 | $665,000 | 2025-09-23 |
| 1315 SW 78th Pl | single_family | 3 | 2 | 2,443 | $890,000 | 2025-09-18 |
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 |
|---|---|---|---|---|---|---|
| 7993 SW 9th Ter | condos | 3 | 2 | 1,240 | $729,000 | — |
| 120 SW 59th Ave | single_family | 3 | 2 | 1,230 | $625,000 | — |
| 10 SW 72nd Ave | single_family | 3 | 2 | 1,300 | $670,000 | — |
| 529 SW 79th Ave | single_family | 3 | 2 | 1,663 | $780,000 | — |
| 8350 SW 12th Ter | single_family | 3 | 2 | 1,496 | $650,000 | — |
| 507 Flagami Blvd | single_family | 3 | 2 | 1,756 | $559,000 | — |
| 400 Central Blvd | single_family | 3 | 2 | 2,072 | $920,000 | — |
| 310 SW 65th Ave | single_family | 3 | 2 | 1,937 | $829,000 | — |
10-year hold projection
IRR2.0%
Equity multiple1.32x
Total return (10yr)$134,372
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $654,050 | $22,005 | -$19,419 | $502,492 | $151,558 |
| 2 | $673,672 | $22,762 | -$18,719 | $496,606 | $177,065 |
| 3 | $693,882 | $23,544 | -$17,994 | $490,316 | $203,566 |
| 4 | $714,698 | $24,353 | -$17,245 | $483,594 | $231,104 |
| 5 | $736,139 | $25,188 | -$16,470 | $476,410 | $259,729 |
| 6 | $758,223 | $26,050 | -$15,670 | $468,733 | $289,490 |
| 7 | $780,970 | $26,942 | -$14,842 | $460,529 | $320,441 |
| 8 | $804,399 | $27,862 | -$13,987 | $451,761 | $352,638 |
| 9 | $828,531 | $28,813 | -$13,103 | $442,391 | $386,140 |
| 10 | $853,387 | $29,796 | -$12,189 | $432,378 | $421,009 |
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.