14816 SW 104th St Apt 85
Miami, FL 33196 · townhomes · For Sale · 462 days on market
Asking price$499,000
3 beds 3 baths 1,440 sqft
Suggested offer$452,444$46,556 above the est. market value of $452,444.
View on Realtor.com →Listed by Jeancarlo Danies · Real Estate Sales Force
Typetownhomes
Built1997
Price / sqft$347
Est. value (own analysis)$452,444
Rent estimate (own analysis)$3,100/mo
HOA$400/mo
Wind10/10Extreme$Heat9/10ExtremeAir2/10MinorFlood1/10minimal$Wildfire1/10Minimal
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Statusfor_sale
Listed date2025-05-28
Removed date—
MLSMiamiMLS #A11811107
Coordinates25.66902, -80.43632
Address14816 SW 104th St Apt 85
CityMiami
StateFL
Zip33196
Listing ID6853470142
Sourceus-real-estate-listings, cached 2026-08-28
ZIP market snapshot (33196)
Typical home value (ZHVI)$568,371
Typical rent (ZORI)$2,615/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 | $499,000 |
| Down payment (20.0%) | $99,800 |
| Loan amount | $399,200 |
| Closing costs (5.0%) | $24,950 |
| Total cash to close | $124,750 |
| Income | |
| Rent (comp-derived) | $3,100$37,200 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,852$34,224 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $790$9,481 |
| Insurance (est. scaled by flood & wind risk) | $499$5,988 |
| HOA dues | $400$4,800 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $155$1,860 |
| Total operating expenses | $1,844$22,129 |
| 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) | $155$1,860 |
| 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 | 3 | 2 | 1,315 | $2,900 | 2026-08-17 | — | |
| townhomes | 3 | 3 | 1,478 | $3,150 | 2026-08-17 | — | |
| townhomes | 3 | 4 | 1,824 | $3,400 | 2026-08-06 | — | |
| townhomes | 3 | 3 | 1,740 | $3,000 | 2026-08-05 | — | |
| townhomes | 3 | 3 | 1,740 | $3,200 | 2026-08-05 | — | |
| townhomes | 3 | 3 | 1,506 | $2,850 | 2026-07-27 | — | |
| townhomes | 3 | 3 | 1,740 | $3,100 | 2026-07-25 | — | |
| townhomes | 3 | 3 | 1,506 | $2,900 | 2026-07-23 | — | |
| townhomes | 3 | 3 | 1,492 | $2,995 | 2026-07-15 | — | |
| townhomes | 3 | 3 | 1,740 | $2,850 | 2026-07-08 | — | |
| townhomes | 3 | 3 | 1,678 | $3,100 | 2026-06-30 | — | |
| townhomes | 3 | 3 | 1,440 | $3,400 | 2026-06-24 | — | |
| townhomes | 3 | 2 | 1,234 | $3,000 | 2026-06-18 | — | |
| townhomes | 3 | 2 | 1,930 | $3,250 | 2026-06-10 | — | |
| townhomes | 3 | 3 | 1,490 | $3,350 | 2026-06-10 | — | |
| townhomes | 3 | 3 | 1,635 | $3,000 | 2026-05-10 | — | |
| townhomes | 3 | 2 | 1,234 | $3,200 | 2026-08-03 | — | |
| townhomes | 3 | 3 | 1,661 | $3,000 | 2026-08-25 | — | |
| townhomes | 3 | 3 | 1,481 | $2,700 | 2026-08-22 | — | |
| townhomes | 3 | 4 | 1,824 | $3,399 | 2026-08-22 | — | |
| townhomes | 3 | 3 | 1,678 | $2,900 | — | — | |
| townhomes | 3 | 3 | 1,701 | $3,600 | 2026-08-28 | — | |
| townhomes | 3 | 3 | 1,506 | $3,500 | 2026-08-28 | — | |
| townhomes | 3 | 2 | 1,234 | $3,150 | 2026-08-28 | — | |
| townhomes | 3 | 3 | 1,824 | $3,300 | 2026-08-29 | — |
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 |
|---|---|---|---|---|---|---|
| 10210 SW 154th Pl Unit 110-8 | townhomes | 3 | 3 | 1,680 | $425,000 | 2026-08-17 |
| 15436 SW 119th Ter | townhomes | 3 | 2 | 1,507 | $535,000 | 2026-08-14 |
| 11981 SW 150th Pl | townhomes | 3 | 2 | 1,701 | $525,000 | 2026-08-07 |
| 16266 SW 103rd Ter | townhomes | 3 | 3 | 1,957 | $520,000 | 2026-07-31 |
| 10525 SW 153rd Ct Apt 4 | townhomes | 3 | 2 | 1,289 | $405,000 | 2026-07-20 |
| 11159 SW 154th Pl | townhomes | 3 | 3 | 1,386 | $459,900 | 2026-07-15 |
| 15297 SW 119th Ter Unit 15297 | townhomes | 3 | 3 | 1,368 | $490,000 | 2026-07-08 |
| 11859 SW 154th Ave | townhomes | 3 | 2 | 1,838 | $550,000 | 2026-06-29 |
| 15365 SW 104th Ter Apt 1 | townhomes | 3 | 3 | 1,218 | $389,000 | 2026-06-23 |
| 14944 SW 88th Ter | townhomes | 3 | 2 | 1,200 | $470,000 | 2026-06-12 |
| 16515 SW 97th St | townhomes | 3 | 2 | 1,489 | $550,000 | 2026-06-08 |
| 17038 SW 95th Ter | townhomes | 3 | 3 | 1,740 | $515,000 | 2026-06-05 |
| 15328 SW 111th St | townhomes | 3 | 2 | 1,638 | $455,000 | 2026-05-11 |
| 15049 SW 119th Ln | townhomes | 3 | 3 | 1,701 | $520,000 | 2026-05-08 |
| 14927 SW 89th St | townhomes | 3 | 2 | 1,378 | $450,000 | 2026-05-07 |
| 10116 SW 162nd Pl | townhomes | 3 | 2 | 1,315 | $468,000 | 2026-04-29 |
| 15736 SW 136th Way | townhomes | 3 | 4 | 1,824 | $570,000 | 2026-04-15 |
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 |
|---|---|---|---|---|---|---|
| 10330 SW 154th Cir Ct Apt 51 | condos | 3 | 3 | 1,450 | $419,500 | — |
| 10273 SW 162nd Ct | townhomes | 3 | 2 | 1,315 | $535,000 | — |
| 15046 SW 148th Pl | single_family | 3 | 3 | 1,831 | $799,900 | — |
| 15316 SW 111th St | single_family | 3 | 3 | 1,638 | $524,900 | — |
| 10880 SW 149th Pl | single_family | 3 | 3 | 1,828 | $664,900 | — |
| 9872 Hammocks Blvd Unit 105-51 | townhomes | 3 | 3 | 1,364 | $375,000 | — |
| 9352 SW 166th Ct | single_family | 3 | 3 | 2,319 | $750,000 | — |
| 9716 Hammocks Blvd Apt 101 | condos | 3 | 2 | 993 | $355,000 | — |
10-year hold projection
IRR-0.9%
Equity multiple0.85x
Total return (10yr)$46,779
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $513,970 | $12,095 | -$20,549 | $394,872 | $119,098 |
| 2 | $529,389 | $12,568 | -$20,122 | $390,246 | $139,143 |
| 3 | $545,271 | $13,059 | -$19,680 | $385,303 | $159,968 |
| 4 | $561,629 | $13,567 | -$19,220 | $380,021 | $181,608 |
| 5 | $578,478 | $14,093 | -$18,744 | $374,375 | $204,103 |
| 6 | $595,832 | $14,638 | -$18,251 | $368,342 | $227,490 |
| 7 | $613,707 | $15,202 | -$17,739 | $361,895 | $251,812 |
| 8 | $632,118 | $15,787 | -$17,209 | $355,005 | $277,113 |
| 9 | $651,082 | $16,392 | -$16,659 | $347,642 | $303,440 |
| 10 | $670,614 | $17,018 | -$16,089 | $339,773 | $330,841 |
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.