10910 SW 217th Ter

Miami, FL 33170 · single_family · For Sale · 217 days on market
Asking price$544,900
4 beds 3 baths 1,380 sqft
Suggested offer$468,441$76,459 above the est. market value of $468,441.
View on Realtor.com →
Listed by Salesperson Non Member · Non-Mls Member
Typesingle_family
Built1959
Price / sqft$395
Est. value (own analysis)$468,441
Rent estimate (own analysis)$3,375/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood9/10extreme$Air2/10MinorWildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2026-01-28
Removed date
MLSMiamiMLS #A11953590
Coordinates25.56462, -80.36859
Address10910 SW 217th Ter
CityMiami
StateFL
Zip33170
Listing ID6970807936
Sourceus-real-estate-listings, cached 2026-09-01

ZIP market snapshot (33170)

Typical home value (ZHVI)$572,990
Typical rent (ZORI)$2,406/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$544,900
Down payment (20.0%)$108,980
Loan amount$435,920
Closing costs (5.0%)$27,245
Total cash to close$136,225
Rent (comp-derived)$3,375$40,500
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$40,500
Vacancy rate (assumption) assumption8.0%

$40,500 × 8.0% = $3,240

Effective gross income$3,105$37,260
Property tax (placeholder 1.9% of price)$863$10,353
Insurance (est. scaled by flood & wind risk)$799$9,590
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$169$2,025
Total operating expenses$1,831$21,968
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$37,260
Total operating expenses derived$21,968

$37,260 − $21,968 = $15,292

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$435,920
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$435,920 amortized at 6.7% over 30 years = $2,801/mo

CapEx reserve (5.0% of GSR)$169$2,025
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$15,292
Annual debt service derived$33,616
Annual CapEx reserve assumption$2,025
Annual PMI assumption$0

($15,292 − $33,616 − $2,025 − $0) ÷ 12 = -$1,696

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$15,292
Purchase price data$544,900

$15,292 ÷ $544,900 = 2.8%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$20,349
Total cash to close derived$136,225

-$20,349 ÷ $136,225 = -14.9%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$15,292
Annual debt service derived$33,616

$15,292 ÷ $33,616 = 0.45

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$40,500
Purchase price data$544,900

($40,500 ÷ 12) ÷ $544,900 = 0.6%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$544,900
Gross scheduled rent (annual) comp$40,500

$544,900 ÷ $40,500 = 13.5

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$21,968
Effective gross income derived$37,260

$21,968 ÷ $37,260 = 59.0%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$21,968
Annual debt service derived$33,616
Annual PMI assumption$0
Gross scheduled rent (annual) comp$40,500

($21,968 + $33,616 + $0) ÷ $40,500 = 137.2%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family421,650$3,5002026-08-14
single_family421,219$3,3502026-08-14
single_family411,152$3,4002026-07-06
single_family421,644$3,300
single_family421,019$5,0002026-06-08
single_family421,644$3,3002026-04-13

22860 SW 122nd Pl

Miami, 33170 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,650
Listed2026-08-14
Days on market

Asking rent: $3,500

View on Zillow →

10825 SW 221st St

Miami, 33170 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,219
Listed2026-08-14
Days on market

Asking rent: $3,350

View on Zillow →

10961 SW 222nd Ter

Miami, 33170 · rent comp

Bedrooms / bathrooms4 bd / 1 ba
Square footage1,152
Listed2026-07-06
Days on market

Asking rent: $3,400

View on Zillow →

11870 SW 220th St # 11870

Miami, 33170 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,644
Listed
Days on market

Asking rent: $3,300

View on Zillow →

10254 SW 227th St

Goulds, 33170 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,019
Listed2026-06-08
Days on market

Asking rent: $5,000

View on Zillow →

11870 SW 220th St Unit A

Miami, 33170 · rent comp

Bedrooms / bathrooms4 bd / 2 ba
Square footage1,644
Listed2026-04-13
Days on market

Asking rent: $3,300

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
21965 SW 125th Avesingle_family421,592$700,0002026-08-19
11001 SW 218th Tersingle_family421,710$590,0002026-08-14
11075 SW 221st Tersingle_family421,425$435,0002026-08-03
22712 SW 113th Plsingle_family421,200$515,0002026-07-28
13282 SW 227th Stsingle_family432,070$780,0002026-07-23
21717 SW 129th Avesingle_family432,092$700,0002026-07-16
22903 SW 113th Pathsingle_family421,804$585,0002026-07-14
12418 SW 230th Stsingle_family431,827$505,0002026-06-30
22905 SW 123 Avesingle_family43$750,0002026-06-30
22301 SW 127th Plsingle_family422,009$575,0002026-06-24
22262 SW 123rd Drsingle_family421,665$850,0002026-06-05
22722 SW 114th Plsingle_family42$539,0002026-06-01
22330 SW 112th Avesingle_family421,280$405,0002026-06-01
18360 SW 224th Stsingle_family444,232$1,100,0002026-05-18
21320 SW 224th Stsingle_family422,698$1,450,0002026-05-11
12758 SW 221st Tersingle_family421,616$685,0002026-05-05
22534 SW 114th Plsingle_family421,536$539,0002026-05-04
12941 SW 229th Stsingle_family431,904$609,9002026-04-28
13135 SW 218th Tersingle_family432,106$825,0002026-04-28
11846 SW 228th Lnsingle_family421,625$560,0002026-04-21
22065 Miami Avesingle_family421,652$610,0002026-04-10
21801 SW 202nd Avesingle_family423,494$1,350,0002026-04-01
13261 SW 216th Tersingle_family422,095$772,0002026-03-30
11799 Bailes Rdsingle_family433,263$745,0002026-03-30
11740 SW 222nd Stsingle_family421,520$450,0002026-03-30
13203 SW 228th Stsingle_family442,603$1,082,5002026-03-27
11750 SW 222nd Stsingle_family431,990$385,0002026-03-27
11442 SW 225th Stsingle_family421,200$490,0002026-03-27
22932 SW 113th Plsingle_family421,867$554,9002026-03-20
13225 SW 218th Tersingle_family421,633$665,0002026-03-18
22991 SW 115th Avesingle_family442,530$620,0002026-03-17
22900 SW 172nd Avesingle_family432,347$750,0002026-03-11
12801 SW 223rd Stsingle_family422,275$920,0002026-03-11
12661 SW 222nd Tersingle_family421,649$650,0002026-03-10
12856 SW 227th Stsingle_family442,620$762,0002026-03-09
12865 SW 224th Stsingle_family432,653$880,0002026-03-06
22880 SW 122nd Plsingle_family421,700$650,0002026-03-03
21320 SW 232nd Stsingle_family432,638$1,225,0002026-03-02
12948 SW 229th Stsingle_family443,139$500,0002026-02-28
12650 SW 218th Stsingle_family421,589$589,0002026-02-27
22719 SW 131st Avesingle_family432,560$798,0002026-02-27
11121 SW 225th Tersingle_family432,107$600,0002026-02-17
10829 SW 232nd Stsingle_family432,619$639,0002026-02-17
22676 SW 131st Plsingle_family443,139$799,0002026-02-13
23099 SW 118th Avesingle_family421,589$500,0002026-02-09
10925 SW 218th Tersingle_family432,009$650,0002026-02-02
12996 SW 218th Tersingle_family432,585$890,0002026-02-02
21620 SW 112th Avesingle_family421,956$1,500,0002026-01-21
12800 SW 222nd Stsingle_family421,949$766,0002026-01-20
22788 SW 128th Plsingle_family432,247$600,0002026-01-15

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.

AddressTypeBedsBathsSqftAsking priceDays on market
11815 SW 222nd Stsingle_family432,114$649,000
18725 SW 218th Stsingle_family432,399$1,550,999
SW 132nd Avenue and SW 223rd Streettownhomes431,912$582,990
22644 SW 109th Pathsingle_family432,484$649,900
19200 SW 216th Stsingle_family462,696$1,100,000
10860 SW 217th Tersingle_family432,417$879,900
23010 SW 114th Pathsingle_family442,224$670,000
23061 SW 114th Pathsingle_family432,187$658,000

10-year hold projection

IRR0.1%
Equity multiple1.02x
Total return (10yr)$74,470
YearProperty valueNOICash flowLoan balanceEquity
1$561,247$15,292-$20,349$431,194$130,053
2$578,084$15,860-$19,831$426,143$151,942
3$595,427$16,449-$19,295$420,745$174,682
4$613,290$17,058-$18,739$414,977$198,313
5$631,688$17,688-$18,164$408,812$222,876
6$650,639$18,339-$17,568$402,224$248,415
7$670,158$19,014-$16,951$395,184$274,974
8$690,263$19,712-$16,312$387,660$302,603
9$710,971$20,434-$15,650$379,620$331,351
10$732,300$21,180-$14,965$371,027$361,273
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.