11970 SW 4th Ter
Miami, FL 33184 · single_family · For Sale · 45 days on market
Asking price$549,900
3 beds 2 baths 1,000 sqft
Suggested offer$395,733$154,167 above the est. market value of $395,733.
View on Realtor.com →Listed by Daylan Rubido - "The Doral Broker" · Brokernation Real Estate Doral, LLC
Typesingle_family
Built1971
Price / sqft$550
Est. value (own analysis)$395,733
Rent estimate (own analysis)$3,750/mo
HOANone
1 / 8
Show every detail
Statusfor_sale
Listed date2026-07-19
Removed date—
MLSMiamiMLS #A12056224
Coordinates25.76356, -80.39038
Address11970 SW 4th Ter
CityMiami
StateFL
Zip33184
Listing ID6532607717
Sourceus-real-estate-listings, cached 2026-09-02
ZIP market snapshot (33184)
Typical home value (ZHVI)$569,847
Typical rent (ZORI)$3,033/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 | $549,900 |
| Down payment (20.0%) | $109,980 |
| Loan amount | $439,920 |
| Closing costs (5.0%) | $27,495 |
| Total cash to close | $137,475 |
| 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) | $871$10,448 |
| Insurance (placeholder 0.8% of price) | $367$4,399 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $188$2,250 |
| Total operating expenses | $1,425$17,097 |
| 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
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 | 3 | 1 | 1,350 | $2,700 | 2026-08-21 | — | |
| single_family | 3 | 2 | 1,148 | $3,900 | 2026-08-21 | — | |
| single_family | 3 | 2 | 1,350 | $3,200 | 2026-08-19 | — | |
| single_family | 3 | 2 | 1,314 | $5,000 | 2026-08-19 | — | |
| single_family | 3 | 2 | 966 | $3,100 | 2026-08-19 | — | |
| single_family | 3 | 2 | 1,292 | $4,000 | 2026-08-17 | — | |
| single_family | 3 | 2 | 1,100 | $3,800 | 2026-08-15 | — | |
| single_family | 3 | 2 | 1,066 | $4,900 | — | — | |
| single_family | 3 | 2 | 1,075 | $3,600 | 2026-08-12 | — | |
| single_family | 3 | 2 | 1,042 | $3,500 | 2026-08-10 | — | |
| single_family | 3 | 2 | 1,202 | $3,750 | 2026-08-10 | — | |
| single_family | 3 | 2 | 1,261 | $4,250 | 2026-08-10 | — | |
| single_family | 3 | 2 | 1,248 | $4,500 | 2026-08-07 | — | |
| single_family | 3 | 2 | 1,276 | $3,100 | 2026-08-05 | — | |
| single_family | 3 | 2 | 1,085 | $2,900 | 2026-07-24 | — | |
| single_family | 3 | 2 | 1,270 | $3,950 | 2026-07-23 | — | |
| single_family | 3 | 1 | 1,035 | $2,800 | 2026-07-22 | — | |
| single_family | 3 | 2 | 1,200 | $3,500 | 2026-07-20 | — | |
| single_family | 3 | 2 | 1,160 | $3,800 | 2026-07-20 | — | |
| single_family | 3 | 2 | 1,301 | $3,000 | 2026-07-18 | — | |
| single_family | 3 | 2 | 1,286 | $5,000 | 2026-07-16 | — |
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 |
|---|---|---|---|---|---|---|
| 1265 SW 142nd Ave | single_family | 3 | 2 | 1,568 | $700,000 | 2026-07-17 |
| 13941 SW 13th St | single_family | 3 | 2 | 1,492 | $615,000 | 2026-07-13 |
| 14216 SW 11th Ter | single_family | 3 | 2 | 1,425 | $600,000 | 2026-07-13 |
| 13060 SW 2nd St | single_family | 3 | 2 | 3,041 | $1,450,000 | 2026-07-13 |
| 1181 SW 141st Ave | single_family | 3 | 2 | 1,507 | $610,000 | 2026-06-30 |
| 1222 SW 144th Ct | single_family | 3 | 2 | 2,236 | $738,000 | 2026-06-25 |
| 13246 SW 9th Ter | single_family | 3 | 2 | 1,964 | $650,000 | 2026-06-25 |
| 231 SW 136th Ave | single_family | 3 | 2 | 2,189 | $780,000 | 2026-06-10 |
| 1271 SW 138th Ct | single_family | 3 | 2 | 1,453 | $575,000 | 2026-05-20 |
| 1002 SW 142nd Ct | single_family | 3 | 2 | 1,618 | $620,000 | 2026-05-01 |
| 1599 SW 141st Ave | single_family | 3 | 3 | 1,956 | $885,000 | 2026-04-29 |
| 13871 SW 14th St | single_family | 3 | 2 | 2,113 | $500,000 | 2026-04-22 |
| 1142 SW 138th Ct | single_family | 3 | 2 | 1,332 | $610,000 | 2026-04-15 |
| 1311 SW 139th Ct | single_family | 3 | 2 | 2,058 | $899,000 | 2026-04-14 |
| 13228 SW 10th Ln | single_family | 3 | 2 | 2,331 | $730,000 | 2026-04-01 |
| 951 SW 124th Ct | single_family | 3 | 2 | 1,562 | $570,000 | 2026-03-30 |
| 883 SW 142nd Pl | single_family | 3 | 3 | 1,608 | $665,000 | 2026-03-24 |
| 1012 SW 143rd Ct | single_family | 3 | 2 | 1,574 | $560,000 | 2026-03-20 |
| 1136 SW 139th Pl | single_family | 3 | 2 | 1,507 | $610,000 | 2026-02-25 |
| 1245 SW 141st Ave | single_family | 3 | 2 | 1,442 | $650,000 | 2026-02-19 |
| 1022 SW 138th Pl | single_family | 3 | 2 | 1,326 | $590,000 | 2026-02-17 |
| 14310 SW 9th Ter | single_family | 3 | 2 | 1,688 | $606,000 | 2026-02-06 |
| 12276 SW 10th St | single_family | 3 | 3 | 1,796 | $525,000 | 2026-01-27 |
| 1112 SW 138th Pl | single_family | 3 | 2 | 1,447 | $635,000 | 2025-12-24 |
| 13861 SW 13th St | single_family | 3 | 2 | 1,771 | $670,000 | 2025-11-26 |
| 11900 SW 2nd St | single_family | 3 | 2 | 2,302 | $745,000 | 2025-11-20 |
| 14123 SW 9th St | single_family | 3 | 2 | 1,606 | $257,100 | 2025-09-16 |
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 |
|---|---|---|---|---|---|---|
| 1481 SW 124th Ct Unit 7C | condos | 3 | 3 | 1,420 | $490,000 | — |
| 305 SW 134th Ct | single_family | 3 | 3 | 1,866 | $939,000 | — |
| 1221 SW 122nd Ave Apt 403 | condos | 3 | 2 | 1,168 | $349,900 | — |
| 12480 SW 9th St | single_family | 3 | 2 | 1,849 | $595,000 | — |
| 1000 SW 136th Pl | single_family | 3 | 2 | 1,687 | $630,000 | — |
| 13210 SW 12th St | single_family | 3 | 2 | 1,638 | $750,000 | — |
| 12621 SW 9th St | single_family | 3 | 3 | 1,920 | $514,900 | — |
| 11941 SW 4th St | single_family | 3 | 2 | 1,540 | $625,000 | — |
10-year hold projection
IRR4.6%
Equity multiple1.74x
Total return (10yr)$173,212
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $566,397 | $24,303 | -$11,872 | $435,150 | $131,247 |
| 2 | $583,389 | $25,117 | -$11,113 | $430,053 | $153,336 |
| 3 | $600,891 | $25,958 | -$10,330 | $424,606 | $176,285 |
| 4 | $618,917 | $26,827 | -$9,521 | $418,785 | $200,133 |
| 5 | $637,485 | $27,724 | -$8,684 | $412,564 | $224,921 |
| 6 | $656,609 | $28,650 | -$7,820 | $405,915 | $250,694 |
| 7 | $676,308 | $29,606 | -$6,928 | $398,811 | $277,497 |
| 8 | $696,597 | $30,593 | -$6,006 | $391,218 | $305,379 |
| 9 | $717,495 | $31,613 | -$5,053 | $383,104 | $334,391 |
| 10 | $739,020 | $32,665 | -$4,069 | $374,432 | $364,587 |
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.