17501 SW 140th Ct

Miami, FL 33177 · townhomes · For Sale · 201 days on market
Asking price$435,000
3 beds 3 baths 1,255 sqft
Suggested offer$405,157$29,843 above the est. market value of $405,157.
View on Realtor.com →
Listed by Dennis Bernal - Realtor & State Certified Appraiser · Lifestyle International Realty
Typetownhomes
Built1995
Price / sqft$347
Est. value (own analysis)$405,157
Rent estimate (own analysis)$2,700/mo
HOA$145/mo
Wind10/10Extreme$Heat10/10ExtremeFlood6/10major$Air2/10MinorWildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2026-02-13
Removed date
MLSMiamiMLS #A11964107
Coordinates25.60487, -80.42124
Address17501 SW 140th Ct
CityMiami
StateFL
Zip33177
Listing ID6824116440
Sourceus-real-estate-listings, cached 2026-09-01

ZIP market snapshot (33177)

Typical home value (ZHVI)$574,510
Typical rent (ZORI)$2,784/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)

Purchase price$435,000
Down payment (20.0%)$87,000
Loan amount$348,000
Closing costs (5.0%)$21,750
Total cash to close$108,750
Rent (comp-derived)$2,700$32,400
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$32,400
Vacancy rate (assumption) assumption8.0%

$32,400 × 8.0% = $2,592

Effective gross income$2,484$29,808
Property tax (placeholder 1.9% of price)$689$8,265
Insurance (est. scaled by flood & wind risk)$508$6,090
HOA dues$145$1,740
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$135$1,620
Total operating expenses$1,476$17,715
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$29,808
Total operating expenses derived$17,715

$29,808 − $17,715 = $12,093

Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$348,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$348,000 amortized at 6.7% over 30 years = $2,236/mo

CapEx reserve (5.0% of GSR)$135$1,620
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)$0$0
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$12,093
Annual debt service derived$26,836
Annual CapEx reserve assumption$1,620
Annual PMI assumption$0

($12,093 − $26,836 − $1,620 − $0) ÷ 12 = -$1,364

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$12,093
Purchase price data$435,000

$12,093 ÷ $435,000 = 2.8%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$16,363
Total cash to close derived$108,750

-$16,363 ÷ $108,750 = -15.0%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$12,093
Annual debt service derived$26,836

$12,093 ÷ $26,836 = 0.45

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$32,400
Purchase price data$435,000

($32,400 ÷ 12) ÷ $435,000 = 0.6%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$435,000
Gross scheduled rent (annual) comp$32,400

$435,000 ÷ $32,400 = 13.4

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$17,715
Effective gross income derived$29,808

$17,715 ÷ $29,808 = 59.4%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$17,715
Annual debt service derived$26,836
Annual PMI assumption$0
Gross scheduled rent (annual) comp$32,400

($17,715 + $26,836 + $0) ÷ $32,400 = 137.5%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
townhomes331,440$2,9002026-08-20
townhomes331,462$2,7002026-08-06
townhomes331,462$2,8902026-08-05
townhomes331,319$2,7002026-07-06
townhomes321,380$2,5002026-07-03
townhomes331,220$2,5002026-06-30
townhomes331,462$2,5502026-06-10
townhomes331,436$3,389
townhomes331,436$3,389
townhomes321,290$2,6002026-08-31

13775 SW 160th St Unit 16

Miami, 33177 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,440
Listed2026-08-20
Days on market

Asking rent: $2,900

View on Zillow →

17773 SW 140th Ct

Miami, 33177 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,462
Listed2026-08-06
Days on market

Asking rent: $2,700

View on Zillow →

13931 SW 177th St Unit 0

Miami, 33177 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,462
Listed2026-08-05
Days on market

Asking rent: $2,890

View on Zillow →

14063 SW 177th St

Miami, 33177 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,319
Listed2026-07-06
Days on market

Asking rent: $2,700

View on Zillow →

13726 SW 171st Ln

Miami, 33177 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,380
Listed2026-07-03
Days on market

Asking rent: $2,500

View on Zillow →

13907 SW 177th St Unit 13907

Miami, 33177 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,220
Listed2026-06-30
Days on market

Asking rent: $2,500

View on Zillow →

13909 SW 178th St

Miami, 33177 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,462
Listed2026-06-10
Days on market

Asking rent: $2,550

View on Zillow →

19426 SW 125th Ave # 19426

Miami, 33177 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,436
Listed
Days on market

Asking rent: $3,389

View on Zillow →

12554 SW 194th St # 12554

Miami, 33177 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,436
Listed
Days on market

Asking rent: $3,389

View on Zillow →

20108 SW 123rd Dr Unit 20108

Miami, 33177 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,290
Listed2026-08-31
Days on market

Asking rent: $2,600

View on Zillow →

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.

AddressTypeBedsBathsLiving sqftSale priceSale date
17306 SW 139th Cttownhomes331,270$428,0002026-08-21
13906 SW 173rd Tertownhomes321,270$410,0002026-08-03
13839 SW 152nd Tertownhomes321,171$443,0002026-07-27
14085 SW 179th Ter Unit 14085townhomes331,319$425,0002026-07-13
13709 SW 170th Tertownhomes321,252$437,0002026-06-29
13402 SW 153rd St Apt 1905townhomes331,500$405,0002026-05-04
13912 SW 174th Tertownhomes321,270$410,0002026-03-30

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.

AddressTypeBedsBathsSqftAsking priceDays on market
13931 SW 156th Tersingle_family321,536$720,000
19100 SW 132nd Plsingle_family332,137$899,999
19422 SW 119th Ctsingle_family321,705$1,018,000
17184 SW 138th Cttownhomes321,380$450,000
21483 SW 132nd Plsingle_family331,959$765,000
12382 SW 213th Tersingle_family321,539$649,000
15771 SW 137th Ave Apt 201condos321,120$329,900
13763 SW 160th Stsingle_family331,440$435,000

10-year hold projection

IRR0.1%
Equity multiple1.01x
Total return (10yr)$58,145
YearProperty valueNOICash flowLoan balanceEquity
1$448,050$12,093-$16,363$344,227$103,823
2$461,492$12,544-$15,952$340,195$121,297
3$475,336$13,011-$15,527$335,886$139,451
4$489,596$13,495-$15,086$331,281$158,316
5$504,284$13,995-$14,629$326,359$177,925
6$519,413$14,513-$14,156$321,100$198,312
7$534,995$15,048-$13,666$315,480$219,515
8$551,045$15,603-$13,159$309,474$241,571
9$567,576$16,176-$12,634$303,055$264,521
10$584,604$16,769-$12,090$296,196$288,408
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.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.