1220 SW 139th Ave
Miami, FL 33184 · single_family · For Sale · 19 days on market
Asking price$750,000
5 beds 4 baths 1,834 sqft
Listed by Felipe Carmona · Carmona Realty Group, Llc
Typesingle_family
Built1998
Price / sqft$409
Est. value (own analysis)$768,336
Rent estimate (own analysis)$5,000/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeWildfire6/10MajorAir2/10MinorFlood1/10minimal$
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Statusfor_sale
Listed date2026-08-14
Removed date—
MLSMiamiMLS #A12071487
Coordinates25.75583, -80.42096
Address1220 SW 139th Ave
CityMiami
StateFL
Zip33184
Listing ID6688006697
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 | $750,000 |
| Down payment (20.0%) | $150,000 |
| Loan amount | $600,000 |
| Closing costs (5.0%) | $37,500 |
| Total cash to close | $187,500 |
| Income | |
| Rent (comp-derived) | $5,000$60,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,600$55,200 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,188$14,250 |
| Insurance (est. scaled by flood & wind risk) | $750$9,000 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $250$3,000 |
| Total operating expenses | $2,188$26,250 |
| 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) | $250$3,000 |
| 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 | 5 | 3 | 1,908 | $5,000 | 2026-08-14 | — | |
| single_family | 5 | 3 | 2,176 | $9,000 | 2026-08-13 | — | |
| single_family | 5 | 3 | 2,200 | $5,250 | 2026-08-13 | — | |
| single_family | 5 | 2 | 1,598 | $5,000 | 2026-08-11 | — | |
| single_family | 5 | 4 | 2,323 | $5,700 | 2026-08-06 | — | |
| single_family | 5 | 3 | 1,846 | $3,600 | 2026-08-05 | — | |
| single_family | 5 | 3 | 1,685 | $3,500 | 2026-07-21 | — | |
| single_family | 5 | 8 | 2,326 | $8,200 | 2026-07-13 | — | |
| single_family | 5 | 2 | 1,729 | $3,950 | 2026-07-10 | — | |
| single_family | 5 | 3 | 1,646 | $4,800 | 2026-04-18 | — | |
| single_family | 5 | 4 | 2,092 | $9,500 | 2026-06-16 | — | |
| single_family | 5 | 3 | 2,369 | $4,250 | 2023-04-07 | — | |
| single_family | 5 | 3 | 2,376 | $3,680 | — | — | |
| single_family | 5 | 2 | 1,974 | $5,000 | — | — | |
| single_family | 5 | 3 | 2,442 | $6,500 | 2026-08-30 | — | |
| single_family | 5 | 3 | 1,971 | $3,800 | 2026-08-27 | — | |
| single_family | 5 | 3 | 2,446 | $7,000 | 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 |
|---|---|---|---|---|---|---|
| 50 SW 130th Ave | single_family | 5 | 2 | 3,304 | $1,900,000 | 2026-08-07 |
| 14040 SW 14th St | single_family | 5 | 4 | 3,263 | $1,451,000 | 2026-01-27 |
| 14425 SW 13th Ter | single_family | 5 | 4 | 2,751 | $1,000,000 | 2025-12-02 |
| 150 SW 123rd Ave | single_family | 5 | 4 | 3,406 | $3,625,000 | 2025-10-31 |
| 28 SW 136th Pl | single_family | 5 | 3 | 2,880 | $880,000 | 2025-10-31 |
| 996 SW 143rd Ct | single_family | 5 | 4 | 1,882 | $740,000 | 2025-10-30 |
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 |
|---|---|---|---|---|---|---|
| 320 SW 125th Ave | single_family | 5 | 6 | 3,919 | $3,250,000 | — |
| 1013 SW 128th Ave | mobile | 5 | 4 | — | $155,000 | — |
| 551 SW 127th Ave | single_family | 5 | 3 | 2,191 | $1,900,000 | — |
| 1133 SW 130th Ave | mobile | 5 | 5 | 2,000 | $150,000 | — |
| 13330 SW 5th St | single_family | 5 | 4 | 2,617 | $2,685,000 | — |
| 14405 SW 13th Ter | single_family | 5 | 4 | 2,751 | $1,395,000 | — |
| 827 SW 128th Ave | mobile | 5 | 4 | 60,696 | $185,000 | — |
| 135 SW 125th Ave | single_family | 5 | 4 | 3,017 | $3,000,000 | — |
10-year hold projection
IRR3.0%
Equity multiple1.49x
Total return (10yr)$189,671
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $772,500 | $28,950 | -$20,319 | $593,495 | $179,005 |
| 2 | $795,675 | $29,950 | -$19,394 | $586,543 | $209,132 |
| 3 | $819,545 | $30,983 | -$18,438 | $579,113 | $240,432 |
| 4 | $844,132 | $32,050 | -$17,450 | $571,174 | $272,958 |
| 5 | $869,456 | $33,153 | -$16,428 | $562,689 | $306,767 |
| 6 | $895,539 | $34,292 | -$15,371 | $553,621 | $341,918 |
| 7 | $922,405 | $35,470 | -$14,278 | $543,931 | $378,474 |
| 8 | $950,078 | $36,686 | -$13,149 | $533,575 | $416,502 |
| 9 | $978,580 | $37,943 | -$11,982 | $522,509 | $456,071 |
| 10 | $1,007,937 | $39,241 | -$10,775 | $510,682 | $497,255 |
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.