12330 SW 39th Ter
Miami, FL 33175 · single_family · For Sale · 34 days on market
Asking price$799,999
3 beds 2 baths 1,689 sqft
Suggested offer$690,311$109,688 above the est. market value of $690,311.
View on Realtor.com →Listed by Demitri De Varona · COMPASS
Typesingle_family
Built1962
Price / sqft$474
Est. value (own analysis)$690,311
Rent estimate (own analysis)$3,600/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood3/10moderate$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-07-30
Removed date—
MLSMiamiMLS #A12062565
Coordinates25.73169, -80.39437
Address12330 SW 39th Ter
CityMiami
StateFL
Zip33175
Listing ID6948160242
Sourceus-real-estate-listings, cached 2026-09-01
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 | $799,999 |
| Down payment (20.0%) | $160,000 |
| Loan amount | $639,999 |
| Closing costs (5.0%) | $40,000 |
| Total cash to close | $200,000 |
| Income | |
| Rent (comp-derived) | $3,600$43,200 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,312$39,744 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,267$15,200 |
| Insurance (est. scaled by flood & wind risk) | $853$10,240 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $180$2,160 |
| Total operating expenses | $2,300$27,600 |
| 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) | $180$2,160 |
| 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 | 3 | 2 | 1,550 | $3,950 | 2026-07-21 | — | |
| single_family | 3 | 2 | 1,518 | $3,650 | 2026-07-20 | — | |
| single_family | 3 | 3 | 1,909 | $4,200 | 2026-07-16 | — | |
| single_family | 3 | 2 | 1,346 | $2,725 | 2026-06-19 | — | |
| single_family | 3 | 2 | 1,525 | $3,600 | 2026-05-25 | — | |
| single_family | 3 | 1 | 1,296 | $3,500 | 2026-08-04 | — | |
| single_family | 3 | 2 | 1,364 | $4,500 | 2026-07-28 | — | |
| single_family | 3 | 2 | 1,700 | $3,600 | 2025-10-12 | — | |
| single_family | 3 | 2 | 1,899 | $3,335 | — | — | |
| single_family | 3 | 2 | 1,364 | $4,450 | 2026-08-25 | — | |
| single_family | 3 | 2 | 2,250 | $3,800 | 2026-08-24 | — | |
| single_family | 3 | 3 | 2,201 | $3,600 | — | — | |
| single_family | 3 | 3 | 1,430 | $3,450 | — | — | |
| single_family | 3 | 2 | 1,357 | $3,200 | — | — | |
| single_family | 3 | 2 | 1,682 | $4,000 | 2026-08-28 | — |
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 |
|---|---|---|---|---|---|---|
| 2351 SW 145th Ave | single_family | 3 | 3 | 2,150 | $875,000 | 2026-08-25 |
| 4332 SW 146th Ave | single_family | 3 | 2 | 1,896 | $745,000 | 2026-08-20 |
| 4756 SW 143rd Ave | single_family | 3 | 2 | 1,536 | $630,000 | 2026-08-19 |
| 5221 SW 127th Pl | single_family | 3 | 2 | 1,911 | $700,000 | 2026-08-14 |
| 3860 SW 121st Ave | single_family | 3 | 2 | 2,242 | $753,000 | 2026-08-07 |
| 2821 SW 117th Ave | single_family | 3 | 2 | 2,273 | $750,000 | 2026-07-30 |
| 3285 SW 132nd Ave | single_family | 3 | 2 | 2,878 | $1,377,000 | 2026-07-22 |
| 11750 SW 31st St | single_family | 3 | 1 | 1,768 | $699,000 | 2026-07-22 |
| 12301 SW 56th St | single_family | 3 | 2 | 7,696 | $3,500,000 | 2026-07-21 |
| 11880 SW 45th St | single_family | 3 | 2 | 1,755 | $1,100,000 | 2026-07-20 |
| 1615 SW 137th Pl | single_family | 3 | 2 | 1,577 | $660,000 | 2026-07-20 |
| 11995 SW 26th Ter | single_family | 3 | 1 | 1,857 | $695,000 | 2026-07-17 |
| 12000 SW 39th Ter | single_family | 3 | 2 | 1,828 | $450,000 | 2026-07-14 |
| 13253 SW 28th St | single_family | 3 | 2 | 1,579 | $615,000 | 2026-07-09 |
| 12842 SW 20th St | single_family | 3 | 3 | 1,202 | $789,000 | 2026-07-07 |
| 11944 SW 37th St | single_family | 3 | 2 | 1,248 | $640,000 | 2026-07-02 |
| 3245 Village Green Dr | single_family | 3 | 2 | 1,702 | $725,000 | 2026-07-01 |
| 3815 SW 125th Ave | single_family | 3 | 2 | 1,461 | $800,000 | 2026-06-29 |
| 14300 SW 52nd St | single_family | 3 | 2 | 1,665 | $625,000 | 2026-06-26 |
| 3381 SW 140th Ave | single_family | 3 | 3 | 1,781 | $790,000 | 2026-06-24 |
| 11901 SW 51st St | single_family | 3 | 2 | 472 | $1,500,000 | 2026-06-24 |
| 11798 SW 32nd St | single_family | 3 | 2 | 1,964 | $864,000 | 2026-06-24 |
| 13401 SW 30th St | single_family | 3 | 2 | 2,002 | $640,000 | 2026-06-15 |
| 5420 SW 143rd Ct | single_family | 3 | 2 | 1,596 | $650,000 | 2026-06-11 |
| 14241 SW 36th St | single_family | 3 | 2 | 1,902 | $800,000 | 2026-06-11 |
| 4041 SW 117th Ave | single_family | 3 | 2 | 1,152 | $720,000 | 2026-06-09 |
| 1647 SW 136th Pl | single_family | 3 | 2 | 1,682 | $650,000 | 2026-06-09 |
| 14330 SW 50th St | single_family | 3 | 2 | 1,694 | $673,500 | 2026-06-09 |
| 2505 SW 126th Ave | single_family | 3 | 2 | 1,918 | $845,000 | 2026-06-08 |
| 3530 SW 126th Ave | single_family | 3 | 1 | 2,204 | $815,000 | 2026-06-03 |
| 2235 SW 131st Ct | single_family | 3 | 2 | 2,330 | $770,000 | 2026-05-29 |
| 4210 SW 134th Ave | single_family | 3 | 2 | 1,565 | $657,000 | 2026-05-29 |
| 4218 SW 138th Ct | single_family | 3 | 3 | 1,134 | $550,000 | 2026-05-29 |
| 1654 SW 138th Ct | single_family | 3 | 2 | 1,384 | $635,000 | 2026-05-29 |
| 4890 SW 141st Ave | single_family | 3 | 2 | 1,882 | $765,000 | 2026-05-29 |
| 2020 SW 127th Ct | single_family | 3 | 1 | 884 | $550,000 | 2026-05-28 |
| 1623 SW 138th Ct | single_family | 3 | 2 | 1,710 | $712,500 | 2026-05-20 |
| 13470 SW 27th St | single_family | 3 | 2 | 1,533 | $580,000 | 2026-05-20 |
| 2401 SW 132nd Ave | single_family | 3 | 2 | 1,947 | $825,000 | 2026-05-18 |
| 14642 SW 50th Ter | single_family | 3 | 2 | 1,526 | $620,000 | 2026-05-15 |
| 13401 SW 38th St | single_family | 3 | 2 | 1,410 | $970,000 | 2026-05-08 |
| 13475 SW 38th Ln | single_family | 3 | 2 | 1,888 | $580,000 | 2026-05-01 |
| 5215 SW 128th Ave | single_family | 3 | 2 | 1,364 | $670,000 | 2026-04-30 |
| 4804 SW 145th Ave | single_family | 3 | 2 | 1,136 | $455,000 | 2026-04-30 |
| 13222 SW 41st Ter | single_family | 3 | 2 | 1,479 | $550,000 | 2026-04-28 |
| 13325 SW 32nd St | single_family | 3 | 2 | 2,088 | $1,225,000 | 2026-04-23 |
| 13755 SW 24th St | single_family | 3 | 2 | 1,652 | $615,000 | 2026-04-22 |
| 2905 SW 134th Ave | single_family | 3 | 2 | 1,840 | $637,000 | 2026-04-21 |
| 4947 SW 144th Ave | single_family | 3 | 2 | 1,655 | $640,000 | 2026-04-20 |
| 4962 SW 143rd Ave | single_family | 3 | 2 | 1,585 | $672,500 | 2026-04-20 |
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 |
|---|---|---|---|---|---|---|
| 2375 SW 141st Ave | single_family | 3 | 2 | 2,351 | $685,000 | — |
| 2524 SW 122nd Ct | townhomes | 3 | 3 | 1,430 | $474,900 | — |
| 2050 SW 122nd Ave Apt 21 | condos | 3 | 2 | 1,196 | $425,000 | — |
| 5416 SW 138th Ave | condo_townhome_rowhome_coop | 3 | 1 | 970 | $335,000 | — |
| 12055 SW 19th Ln Unit 227 | condos | 3 | 3 | 1,716 | $499,999 | — |
| 4874 SW 142nd Pl | single_family | 3 | 2 | 1,661 | $650,000 | — |
| 14261 SW 28th St | single_family | 3 | 3 | 1,840 | $725,000 | — |
| 4309 SW 129th Ave | townhomes | 3 | 2 | 1,250 | $520,000 | — |
10-year hold projection
IRR-3.2%
Equity multiple0.47x
Total return (10yr)-$923
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $823,999 | $12,144 | -$39,370 | $633,060 | $190,939 |
| 2 | $848,719 | $12,646 | -$38,921 | $625,645 | $223,074 |
| 3 | $874,181 | $13,167 | -$38,456 | $617,720 | $256,461 |
| 4 | $900,406 | $13,707 | -$37,973 | $609,251 | $291,155 |
| 5 | $927,418 | $14,267 | -$37,471 | $600,200 | $327,218 |
| 6 | $955,241 | $14,847 | -$36,950 | $590,528 | $364,712 |
| 7 | $983,898 | $15,449 | -$36,410 | $580,192 | $403,706 |
| 8 | $1,013,415 | $16,072 | -$35,849 | $569,146 | $444,269 |
| 9 | $1,043,817 | $16,719 | -$35,267 | $557,341 | $486,476 |
| 10 | $1,075,132 | $17,388 | -$34,663 | $544,726 | $530,406 |
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.