12337 SW 20th Ter
Miami, FL 33175 · townhomes · For Sale · 13 days on market
Asking price$450,000
2 beds 2 baths 982 sqft
Suggested offer$412,500$37,500 above the est. market value of $412,500.
View on Realtor.com →Listed by Gladys Fernandez · One Stop Realty
Typetownhomes
Built—
Price / sqft$458
Est. value (Realtor.com)$412,500
Rent estimate (own analysis)$2,525/mo
HOANone
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Statusfor_sale
Listed date2026-08-20
Removed date—
MLSMiamiMLS #A12074239
Coordinates25.74976, -80.39536
Address12337 SW 20th Ter
CityMiami
StateFL
Zip33175
Listing ID6773867429
Sourcerealtor, cached 2026-08-21
ZIP market snapshot (33175)
Typical home value (ZHVI)$628,459
Typical rent (ZORI)$3,232/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 | $450,000 |
| Down payment (20.0%) | $90,000 |
| Loan amount | $360,000 |
| Closing costs (5.0%) | $22,500 |
| Total cash to close | $112,500 |
| Income | |
| Rent (comp-derived) | $2,525$30,300 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,323$27,876 |
| Operating expenses | |
| Property tax (real MLS tax bill, from Realtor Search) | $188$2,251 |
| Insurance (placeholder 0.8% of price) | $300$3,600 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $126$1,515 |
| Total operating expenses | $614$7,366 |
| 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) | $126$1,515 |
| 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 | 2 | 2 | 1,057 | $2,600 | 2026-08-16 | — | |
| townhomes | 2 | 3 | 1,284 | $2,750 | 2026-07-14 | — | |
| townhomes | 2 | 2 | 823 | $2,150 | 2026-06-22 | — | |
| townhomes | 2 | 2 | 823 | $2,450 | 2026-06-01 | — |
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 |
|---|---|---|---|---|---|---|
| 3909 SW 118th Ct | townhomes | 2 | 1 | 1,080 | $485,000 | 2026-08-06 |
| 4829 SW 136th Pl | townhomes | 2 | 2 | 986 | $420,000 | 2026-07-15 |
| 4909 SW 135th Ct | townhomes | 2 | 1 | 864 | $465,000 | 2026-07-09 |
| 14049 SW 55th St | townhomes | 2 | 1 | 835 | $390,000 | 2026-06-01 |
| 12983 SW 18th Ter | townhomes | 2 | 1 | 825 | $385,000 | 2026-05-29 |
| 12966 SW 18th Ter | townhomes | 2 | 1 | 980 | $360,000 | 2026-05-15 |
| 4600 SW 136th Pl | townhomes | 2 | 2 | 986 | $430,000 | 2026-05-11 |
| 4605 SW 139th Ct Unit 814 | townhomes | 2 | 2 | 1,057 | $335,000 | 2026-03-23 |
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 |
|---|---|---|---|---|---|---|
| 11800 SW 18th St Unit 314-4 | condos | 2 | 2 | 898 | $295,000 | — |
| 4904 SW 139th Ct | townhomes | 2 | 2 | 970 | $445,000 | — |
| 11790 SW 18th St Unit 524-3 | condos | 2 | 2 | 898 | $279,000 | — |
| 13962 SW 52nd Ln | single_family | 2 | 1 | — | $449,999 | — |
| 12241 SW 16th Ter Unit 102K | townhomes | 2 | 3 | 1,032 | $390,000 | — |
| 5302 SW 138th Pl | townhomes | 2 | 2 | 1,028 | $455,000 | — |
| 11790 SW 18th St Unit 520-3 | condos | 2 | 2 | 898 | $270,000 | — |
| 13923 SW 46th Ter Unit C333 | townhomes | 2 | 3 | 1,351 | $425,000 | — |
10-year hold projection
IRR5.1%
Equity multiple1.82x
Total return (10yr)$150,809
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $463,500 | $20,510 | -$8,767 | $356,097 | $107,403 |
| 2 | $477,405 | $21,162 | -$8,152 | $351,925 | $125,480 |
| 3 | $491,727 | $21,835 | -$7,518 | $347,468 | $144,259 |
| 4 | $506,479 | $22,528 | -$6,865 | $342,704 | $163,775 |
| 5 | $521,673 | $23,244 | -$6,190 | $337,613 | $184,060 |
| 6 | $537,324 | $23,982 | -$5,494 | $332,172 | $205,151 |
| 7 | $553,443 | $24,743 | -$4,775 | $326,358 | $227,085 |
| 8 | $570,047 | $25,528 | -$4,034 | $320,145 | $249,902 |
| 9 | $587,148 | $26,338 | -$3,270 | $313,505 | $273,643 |
| 10 | $604,762 | $27,173 | -$2,481 | $306,408 | $298,354 |
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.