520 NW 132nd Ct
Miami, FL 33182 · single_family · For Sale · 57 days on market
Asking price$699,900
3 beds 2 baths 1,744 sqft
Suggested offer$665,891$34,009 above the est. market value of $665,891.
View on Realtor.com →Listed by Esther Santamaria · Cervera Real Estate Inc.
Typesingle_family
Built1985
Price / sqft$401
Est. value (own analysis)$665,891
Rent estimate (own analysis)$3,800/mo
HOANone
1 / 34
Show every detail
Statusfor_sale
Listed date2026-07-07
Removed date—
MLSMiamiMLS #A12045891
Coordinates25.77215, -80.41022
Address520 NW 132nd Ct
CityMiami
StateFL
Zip33182
Listing ID6601847838
Sourceus-real-estate-listings, cached 2026-08-25
ZIP market snapshot (33182)
Typical home value (ZHVI)$670,298
Typical rent (ZORI)$3,347/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 | $699,900 |
| Down payment (20.0%) | $139,980 |
| Loan amount | $559,920 |
| Closing costs (5.0%) | $34,995 |
| Total cash to close | $174,975 |
| Income | |
| Rent (comp-derived) | $3,800$45,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,496$41,952 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,108$13,298 |
| Insurance (placeholder 0.8% of price) | $467$5,599 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $190$2,280 |
| Total operating expenses | $1,765$21,177 |
| 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) | $190$2,280 |
| 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 | 1,786 | $3,800 | 2026-08-21 | — | |
| single_family | 3 | 2 | 2,056 | $3,300 | 2026-07-03 | — | |
| single_family | 3 | 2 | 1,645 | $4,350 | 2026-06-30 | — | |
| single_family | 3 | 2 | 1,642 | $3,600 | — | — | |
| single_family | 3 | 2 | 1,582 | $4,000 | 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 |
|---|---|---|---|---|---|---|
| 520 NW 132nd Ct | single_family | 3 | 2 | 1,744 | $720,000 | 2026-08-27 |
| 12718 NW 6th Ln | single_family | 3 | 3 | 1,569 | $725,000 | 2026-08-24 |
| 12304 NW 8th Ter | single_family | 3 | 2 | 1,607 | $629,000 | 2026-08-14 |
| 840 NW 134th Ave | single_family | 3 | 3 | 1,575 | $850,000 | 2026-08-03 |
| 12682 NW 7th Way | single_family | 3 | 2 | 1,290 | $550,000 | 2026-08-03 |
| 12931 NW 7th Ln | single_family | 3 | 3 | 2,762 | $850,000 | 2026-07-30 |
| 12701 NW 9th St | single_family | 3 | 2 | 2,031 | $775,000 | 2026-07-13 |
| 1163 NW 134th Pl | single_family | 3 | 2 | 1,708 | $715,000 | 2026-07-13 |
| 1090 NW 128th Ct | single_family | 3 | 2 | 1,782 | $620,000 | 2026-07-13 |
| 725 NW 123rd Ave | single_family | 3 | 2 | 1,273 | $508,000 | 2026-06-30 |
| 150 NW 130th Ave | single_family | 3 | 2 | 1,820 | $1,405,000 | 2026-06-30 |
| 13285 NW 11th St | single_family | 3 | 2 | 2,180 | $740,000 | 2026-06-26 |
| 13226 NW 5th Ter | single_family | 3 | 2 | 1,249 | $630,000 | 2026-06-25 |
| 706 NW 135th Ct | single_family | 3 | 2 | 1,524 | $710,000 | 2026-06-18 |
| 1013 NW 132nd Ave W | single_family | 3 | 2 | 1,501 | $625,000 | 2026-06-16 |
| 656 NW 129th Pl | single_family | 3 | 3 | 2,433 | $755,000 | 2026-06-01 |
| 892 NW 136th Pl | single_family | 3 | 2 | 1,530 | $950,000 | 2026-04-22 |
| 752 NW 134th Ave | single_family | 3 | 2 | 1,498 | $690,000 | 2026-04-07 |
| 1062 NW 133rd Ave | single_family | 3 | 2 | 1,940 | $560,000 | 2026-04-02 |
| 933 NW 133rd Ct | single_family | 3 | 2 | 1,785 | $650,000 | 2026-03-30 |
| 1038 NW 136th Ct | single_family | 3 | 2 | 1,816 | $690,000 | 2026-03-27 |
| 12787 NW 10th Ln | single_family | 3 | 2 | 1,604 | $650,000 | 2026-03-19 |
| 13391 NW 7th Ter | single_family | 3 | 2 | 1,364 | $600,000 | 2026-03-13 |
| 13230 NW 11th Ter | single_family | 3 | 2 | 1,940 | $770,000 | 2026-03-12 |
| 20 NW 130th Ave | single_family | 3 | 3 | 4,603 | $1,500,000 | 2026-03-11 |
| 957 NW 132nd Ave W | single_family | 3 | 2 | 1,650 | $630,000 | 2026-03-09 |
| 1067 NW 135th Ct | single_family | 3 | 2 | 2,317 | $660,000 | 2026-03-06 |
| 13379 NW 3rd Ter | single_family | 3 | 2 | 1,272 | $625,000 | 2026-02-25 |
| 982 NW 133rd Ct | single_family | 3 | 2 | 1,645 | $712,000 | 2026-02-17 |
| 13312 NW 1st Ter | single_family | 3 | 2 | 1,775 | $595,000 | 2026-02-02 |
| 13312 NW 1st Ter | single_family | 3 | 2 | 1,775 | $595,000 | 2026-01-27 |
| 1060 NW 128th Ct | single_family | 3 | 2 | 1,632 | $615,000 | 2026-01-23 |
| 1052 NW 127th Path | single_family | 3 | 2 | 1,647 | $615,000 | 2026-01-02 |
| 13021 NW 11th Ter | single_family | 3 | 3 | 2,251 | $720,000 | 2025-12-18 |
| 13395 NW 10th Ter | single_family | 3 | 2 | 1,576 | $700,000 | 2025-12-16 |
| 274 NW 132nd Pl | single_family | 3 | 2 | 1,249 | $560,000 | 2025-12-16 |
| 862 NW 132nd Ct | single_family | 3 | 2 | 2,314 | $690,000 | 2025-12-03 |
| 1061 NW 128th Ave | single_family | 3 | 2 | 1,788 | $680,000 | 2025-11-26 |
| 12930 NW 8th St | single_family | 3 | 3 | 1,915 | $715,000 | 2025-11-21 |
| 12663 NW 8th Way | single_family | 3 | 3 | 1,690 | $579,000 | 2025-10-14 |
| 12692 NW 8th Trl | single_family | 3 | 3 | 1,582 | $565,000 | 2025-10-14 |
| 12350 NW 7th Trl | single_family | 3 | 2 | 1,856 | $595,000 | 2025-10-08 |
| 1070 NW 129th Pl | single_family | 3 | 2 | 1,656 | $672,500 | 2025-10-02 |
| 767 NW 122nd Pl | single_family | 3 | 2 | 1,607 | $580,000 | 2025-09-19 |
| 772 NW 135th Ct | single_family | 3 | 2 | 1,633 | $750,000 | 2025-09-19 |
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 |
|---|---|---|---|---|---|---|
| 1045 NW 126th Pl | single_family | 3 | 3 | 1,582 | $539,000 | — |
| 892 NW 131st Ave | single_family | 3 | 3 | 2,762 | $999,999 | — |
| 12423 NW 7th Ln | townhomes | 3 | 3 | 1,490 | $520,000 | — |
| 12948 NW 10th St | single_family | 3 | 3 | 2,314 | $819,000 | — |
| 1030 NW 123rd Ct Unit 706 | condos | 3 | 3 | 1,240 | $475,000 | — |
| 854 NW 132nd Ct | single_family | 3 | 3 | 2,275 | $964,500 | — |
| 1187 NW 123rd Pl | condos | 3 | 3 | 1,240 | $439,000 | — |
| condos | 3 | 2 | 1,090 | $350,000 | — |
10-year hold projection
IRR0.7%
Equity multiple1.11x
Total return (10yr)$110,407
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $720,897 | $20,775 | -$24,684 | $553,849 | $167,048 |
| 2 | $742,524 | $21,504 | -$24,012 | $547,361 | $195,162 |
| 3 | $764,800 | $22,257 | -$23,316 | $540,428 | $224,371 |
| 4 | $787,744 | $23,036 | -$22,597 | $533,019 | $254,725 |
| 5 | $811,376 | $23,842 | -$21,854 | $525,101 | $286,275 |
| 6 | $835,717 | $24,674 | -$21,084 | $516,639 | $319,078 |
| 7 | $860,789 | $25,534 | -$20,289 | $507,596 | $353,193 |
| 8 | $886,612 | $26,423 | -$19,466 | $497,932 | $388,680 |
| 9 | $913,211 | $27,341 | -$18,615 | $487,604 | $425,606 |
| 10 | $940,607 | $28,290 | -$17,736 | $476,568 | $464,040 |
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.