12958 SW 135th St
Miami, FL 33186 · townhomes · For Sale · 26 days on market
Asking price$525,000
4 beds 3 baths 1,758 sqft
Suggested offer$519,296$5,704 above the est. market value of $519,296.
View on Realtor.com →Listed by Stephanie Cabral · EXP Realty, LLC
Typetownhomes
Built2006
Price / sqft$299
Est. value (own analysis)$519,296
Rent estimate (own analysis)$3,548/mo
HOA$139/mo
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Statusfor_sale
Listed date2026-08-07
Removed date—
MLSMiamiMLS #A12067537
Coordinates25.64202, -80.40367
Address12958 SW 135th St
CityMiami
StateFL
Zip33186
Listing ID6480537871
Sourceus-real-estate-listings, cached 2026-09-02
ZIP market snapshot (33186)
Typical home value (ZHVI)$523,583
Typical rent (ZORI)$2,574/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 | $525,000 |
| Down payment (20.0%) | $105,000 |
| Loan amount | $420,000 |
| Closing costs (5.0%) | $26,250 |
| Total cash to close | $131,250 |
| Income | |
| Rent (comp-derived) | $3,548$42,570 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,264$39,164 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $831$9,975 |
| Insurance (placeholder 0.8% of price) | $350$4,200 |
| HOA dues | $139$1,668 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $177$2,129 |
| Total operating expenses | $1,498$17,972 |
| 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) | $177$2,129 |
| 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 |
|---|---|---|---|---|---|---|---|
| townhomes | 4 | 3 | 1,774 | $4,000 | 2026-08-06 | — | |
| townhomes | 4 | 3 | 1,793 | $3,500 | 2026-07-17 | — | |
| townhomes | 4 | 3 | 1,793 | $3,595 | 2026-06-18 | — | |
| townhomes | 4 | 3 | 1,758 | $3,200 | 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 |
|---|---|---|---|---|---|---|
| 12334 SW 124th Path | townhomes | 4 | 3 | 1,793 | $520,000 | 2026-08-11 |
| 13743 SW 116th Ter | townhomes | 4 | 3 | 2,102 | $565,000 | 2026-08-07 |
| 14317 SW 125th Ct | townhomes | 4 | 2 | 1,596 | $495,000 | 2026-08-06 |
| 12732 SW 131st Ter | townhomes | 4 | 3 | 1,812 | $545,000 | 2026-06-30 |
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 |
|---|---|---|---|---|---|---|
| 14452 SW 115th St | single_family | 4 | 2 | 1,775 | $655,000 | — |
| 14630 SW 132nd Ct | single_family | 4 | 2 | 2,459 | $689,000 | — |
| 11723 SW 95th Ter | single_family | 4 | 2 | 2,405 | $925,000 | — |
| 12231 SW 103rd Ter | single_family | 4 | 3 | 2,289 | $1,399,999 | — |
| 14405 SW 124th Ct | single_family | 4 | 3 | 1,927 | $589,900 | — |
| 9712 SW 133rd Pl | single_family | 4 | 3 | 1,550 | $780,000 | — |
| 10311 SW 134th Ave | single_family | 4 | 3 | 2,037 | $825,000 | — |
| 15166 SW 142nd Ct | single_family | 4 | 3 | 2,120 | $699,000 | — |
10-year hold projection
IRR3.5%
Equity multiple1.57x
Total return (10yr)$142,983
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $540,750 | $21,193 | -$13,324 | $415,446 | $125,304 |
| 2 | $556,973 | $21,919 | -$12,652 | $410,580 | $146,393 |
| 3 | $573,682 | $22,668 | -$11,956 | $405,379 | $168,302 |
| 4 | $590,892 | $23,443 | -$11,238 | $399,822 | $191,071 |
| 5 | $608,619 | $24,243 | -$10,495 | $393,882 | $214,737 |
| 6 | $626,877 | $25,069 | -$9,727 | $387,535 | $239,342 |
| 7 | $645,684 | $25,923 | -$8,934 | $380,752 | $264,932 |
| 8 | $665,054 | $26,805 | -$8,114 | $373,503 | $291,551 |
| 9 | $685,006 | $27,716 | -$7,266 | $365,756 | $319,250 |
| 10 | $705,556 | $28,657 | -$6,390 | $357,478 | $348,078 |
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.