8515 SW 125th St
Miami, FL 33156 · single_family · Pending — under contract · 141 days on market
Asking price$859,000
4 beds 3 baths 1,852 sqft
Listed by Stephen Hachey · Flat Fee MLS Realty
Typesingle_family
Built1954
Price / sqft$464
Est. value (own analysis)$1,240,650
Rent estimate (own analysis)$7,975/mo
HOANone
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Statusfor_sale
Listed date2026-04-14
Removed date—
MLSMiamiMLS #A11998022
Coordinates25.65448, -80.33141
Address8515 SW 125th St
CityMiami
StateFL
Zip33156
Listing ID6716056579
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33156)
Typical home value (ZHVI)$1,543,591
Typical rent (ZORI)$2,706/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 | $859,000 |
| Down payment (20.0%) | $171,800 |
| Loan amount | $687,200 |
| Closing costs (5.0%) | $42,950 |
| Total cash to close | $214,750 |
| Income | |
| Rent (comp-derived) | $7,975$95,700 |
| Vacancy loss (8.0%) | |
| Effective gross income | $7,337$88,044 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,360$16,321 |
| Insurance (placeholder 0.8% of price) | $573$6,872 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $399$4,785 |
| Total operating expenses | $2,332$27,978 |
| 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) | $399$4,785 |
| 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 | 4 | 3 | 2,296 | $6,600 | 2026-07-06 | — | |
| single_family | 4 | 3 | 2,176 | $8,000 | 2026-04-24 | — | |
| single_family | 4 | 3 | 2,367 | $9,500 | 2026-08-03 | — | |
| single_family | 4 | 4 | 1,915 | $7,950 | 2026-07-31 | — | |
| single_family | 4 | 4 | 2,400 | $7,900 | 2026-06-11 | — | |
| single_family | 4 | 2 | 2,446 | $9,500 | — | — |
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 |
|---|---|---|---|---|---|---|
| 13470 SW 67th Ave | single_family | 4 | 4 | 3,258 | $2,900,000 | 2026-09-01 |
| 6980 SW 104th St | single_family | 4 | 3 | 3,002 | $1,650,000 | 2026-08-27 |
| 5780 Las Palmas Dr | single_family | 4 | 4 | 4,638 | $3,500,000 | 2026-08-26 |
| 12050 Moss Ranch Rd | single_family | 4 | 4 | 3,191 | $3,375,000 | 2026-08-21 |
| 1115 San Pedro Ave | single_family | 4 | 4 | 2,960 | $4,750,000 | 2026-08-21 |
| 9801 SW 73rd Ct | single_family | 4 | 4 | 2,539 | $1,925,000 | 2026-08-18 |
| 7350 SW 129th St | single_family | 4 | 3 | 2,982 | $1,650,000 | 2026-08-13 |
| 6060 SW 133rd St | single_family | 4 | 2 | 3,183 | $2,425,000 | 2026-08-11 |
| 7255 SW 126th St | single_family | 4 | 4 | — | $1,315,000 | 2026-08-10 |
| 1400 Coruna Ave | single_family | 4 | 4 | 3,639 | $3,400,000 | 2026-08-10 |
| 11490 SW 72nd Ct | single_family | 4 | 3 | 2,616 | $1,620,000 | 2026-08-05 |
| 9710 SW 72nd Ct | single_family | 4 | 2 | 1,805 | $1,620,000 | 2026-08-03 |
| 11100 SW 73rd Ct | single_family | 4 | 2 | 3,669 | $2,400,000 | 2026-07-31 |
| 8255 SW 134th St | single_family | 4 | 2 | 1,766 | $1,350,000 | 2026-07-28 |
| 8595 SW 128th St | single_family | 4 | 2 | 1,404 | $705,000 | 2026-07-28 |
| 7345 SW 122nd St | single_family | 4 | 3 | 2,348 | $1,777,500 | 2026-07-27 |
| 6601 Chapman Field Dr | single_family | 4 | 3 | 3,678 | $2,700,000 | 2026-07-15 |
| 13276 SW 58th Ct # 58 | single_family | 4 | 2 | 2,625 | $1,653,800 | 2026-07-15 |
| 12991 Lerida St | single_family | 4 | 5 | 3,668 | $5,930,000 | 2026-07-10 |
| 1500 Lugo Ave | single_family | 4 | 3 | 2,512 | $2,125,000 | 2026-07-09 |
| 7000 SW 125th St | single_family | 4 | 4 | 3,508 | $2,350,000 | 2026-07-08 |
| 6860 SW 128th St | single_family | 4 | 3 | 3,173 | $2,150,000 | 2026-07-08 |
| 12365 SW 60th Ct | single_family | 4 | 3 | 2,747 | $2,800,000 | 2026-07-08 |
| 6810 SW 112th St | single_family | 4 | 2 | 3,397 | $2,500,000 | 2026-06-29 |
| 10621 SW 77th Ave | single_family | 4 | 4 | 2,709 | $1,750,000 | 2026-06-17 |
| 8030 SW 96th St | single_family | 4 | 2 | 2,124 | $1,225,000 | 2026-06-05 |
| 7440 SW 126th St | single_family | 4 | 3 | 3,063 | $1,725,000 | 2026-06-05 |
| 10431 SW 82nd Ct | single_family | 4 | 2 | 2,043 | $1,265,000 | 2026-06-04 |
| 10703 SW 84th Ave | single_family | 4 | 5 | 3,567 | $2,000,000 | 2026-06-01 |
| 10740 SW 73rd Ct | single_family | 4 | 4 | 2,840 | $2,675,000 | 2026-06-01 |
| 1145 San Pedro Ave | single_family | 4 | 3 | 4,000 | $5,000,000 | 2026-05-29 |
| 6841 SW 130th Ter | single_family | 4 | 3 | 3,520 | $2,300,000 | 2026-05-21 |
| 13100 SW 81st Ave | single_family | 4 | 3 | 2,467 | $1,575,000 | 2026-05-19 |
| 9200 SW 70th Ave | single_family | 4 | 4 | 3,428 | $1,820,000 | 2026-05-19 |
| 7870 SW 98th St | single_family | 4 | 4 | 2,357 | $1,150,000 | 2026-05-15 |
| 6845 SW 129th Ter | single_family | 4 | 3 | 2,960 | $1,950,000 | 2026-05-15 |
| 7125 SW 119th St | single_family | 4 | 2 | 2,952 | $2,775,000 | 2026-05-14 |
| 6400 SW 133rd Dr | single_family | 4 | 3 | 3,120 | $2,050,000 | 2026-05-11 |
| 11003 SW 77th Court Cir | single_family | 4 | 3 | 3,516 | $1,950,000 | 2026-05-08 |
| 610 Reinante Ave | single_family | 4 | 4 | 3,169 | $5,700,000 | 2026-05-07 |
| 8220 SW 133rd St | single_family | 4 | 4 | 2,874 | $2,150,000 | 2026-05-07 |
| 8295 SW 116th St | single_family | 4 | 2 | 3,250 | $2,100,000 | 2026-04-30 |
| 5845 SW 96th St | single_family | 4 | 3 | 2,548 | $2,144,800 | 2026-04-27 |
| 7451 SW 133rd St | single_family | 4 | 4 | 3,135 | $1,720,000 | 2026-04-14 |
| 8259 SW 120th Ter | single_family | 4 | 5 | 3,573 | $1,999,990 | 2026-04-13 |
| 10700 SW 72nd Ct | single_family | 4 | 3 | 2,738 | $1,550,000 | 2026-04-13 |
| 8240 SW 89th St | single_family | 4 | 2 | 2,290 | $270,000 | 2026-04-10 |
| 6495 SW 116th St | single_family | 4 | 2 | 3,836 | $3,200,000 | 2026-04-09 |
| 8250 SW 95th St | single_family | 4 | 2 | 1,546 | $1,025,000 | 2026-04-08 |
| 7485 SW 122nd St | single_family | 4 | 3 | 2,694 | $2,500,000 | 2026-04-06 |
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 |
|---|---|---|---|---|---|---|
| 5455 SW 88th St | single_family | 4 | 3 | 3,450 | $4,455,000 | — |
| 8500 SW 106th St | single_family | 4 | 3 | 2,384 | $2,200,000 | — |
| 9980 SW 83rd Ave | single_family | 4 | 3 | 3,059 | $2,550,000 | — |
| 8520 SW 119th St | single_family | 4 | 2 | — | $1,455,000 | — |
| 9812 SW 77th Pl | single_family | 4 | 4 | 2,142 | $1,149,000 | — |
| 8250 SW 118th Ter | single_family | 4 | 4 | 2,898 | $1,349,000 | — |
| 8660 SW 125th Ter | single_family | 4 | 2 | 1,538 | $859,000 | — |
| 10600 SW 80th Ct | single_family | 4 | 3 | 2,176 | $1,390,000 | — |
10-year hold projection
IRR11.9%
Equity multiple2.85x
Total return (10yr)$510,057
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $884,770 | $60,066 | $2,287 | $679,749 | $205,021 |
| 2 | $911,313 | $62,008 | $4,110 | $671,787 | $239,526 |
| 3 | $938,652 | $64,011 | $5,991 | $663,278 | $275,375 |
| 4 | $966,812 | $66,079 | $7,932 | $654,184 | $312,628 |
| 5 | $995,816 | $68,212 | $9,937 | $644,466 | $351,350 |
| 6 | $1,025,691 | $70,413 | $12,005 | $634,081 | $391,610 |
| 7 | $1,056,462 | $72,683 | $14,141 | $622,982 | $433,479 |
| 8 | $1,088,156 | $75,026 | $16,345 | $611,122 | $477,034 |
| 9 | $1,120,800 | $77,443 | $18,619 | $598,447 | $522,354 |
| 10 | $1,154,424 | $79,937 | $20,967 | $584,901 | $569,523 |
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.