Miami, FL 33185 · single_family · For Sale · 34 days on market
Asking price$997,500
3 beds 3 baths 2,382 sqft
Suggested offer$903,850$93,650 above the est. market value of $903,850.
View on Realtor.com →Listed by JUAN FIOL · Vision Realty Of Miami
Typesingle_family
Built2003
Price / sqft$419
Est. value (own analysis)$903,850
Rent estimate (own analysis)$3,685/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeWildfire6/10MajorAir2/10MinorFlood1/10minimal$
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Statusfor_sale
Listed date2026-07-30
Removed date—
MLSMiamiMLS #A12062809
Coordinates25.74510, -80.44211
Address
CityMiami
StateFL
Zip33185
Listing ID6972403526
Sourceus-real-estate-listings, cached 2026-09-02
ZIP market snapshot (33185)
Typical home value (ZHVI)$677,356
Typical rent (ZORI)$3,519/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 | $997,500 |
| Down payment (20.0%) | $199,500 |
| Loan amount | $798,000 |
| Closing costs (5.0%) | $49,875 |
| Total cash to close | $249,375 |
| Income | |
| Rent (comp-derived) | $3,685$44,220 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,390$40,682 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,579$18,953 |
| Insurance (est. scaled by flood & wind risk) | $998$11,970 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $184$2,211 |
| Total operating expenses | $2,761$33,134 |
| 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) | $184$2,211 |
| 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 | 3 | 2,104 | $3,500 | — | — | |
| single_family | 3 | 2 | 1,736 | $4,800 | 2026-08-20 | — | |
| single_family | 3 | 2 | 2,039 | $3,800 | 2026-08-17 | — | |
| single_family | 3 | 2 | 1,622 | $3,450 | 2026-08-12 | — | |
| single_family | 3 | 2 | 1,591 | $3,800 | 2026-07-22 | — | |
| single_family | 3 | 3 | 1,570 | $3,900 | 2026-07-17 | — | |
| single_family | 3 | 2 | 2,021 | $4,200 | 2026-06-25 | — | |
| single_family | 3 | 3 | 1,815 | $3,800 | 2026-05-16 | — | |
| single_family | 3 | 2 | 1,619 | $2,995 | — | — | |
| single_family | 3 | 3 | 2,076 | $3,435 | — | — | |
| single_family | 3 | 2 | 1,706 | $3,570 | — | — | |
| single_family | 3 | 3 | 1,946 | $3,160 | — | — | |
| single_family | 3 | 2 | 1,758 | $3,515 | — | — | |
| single_family | 3 | 2 | 1,582 | $3,800 | 2026-08-22 | — |
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 |
|---|---|---|---|---|---|---|
| 5502 SW 162nd Pl | single_family | 3 | 3 | 2,467 | $700,000 | 2026-08-24 |
| 4260 SW 150th Ave | single_family | 3 | 2 | 1,476 | $595,000 | 2026-08-24 |
| 3461 SW 154th Ct | single_family | 3 | 2 | 1,511 | $625,000 | 2026-08-18 |
| 14863 SW 35th Ln | single_family | 3 | 2 | 1,594 | $720,000 | 2026-08-18 |
| 15552 SW 54th Ter | single_family | 3 | 2 | 2,411 | $525,000 | 2026-08-10 |
| 4449 SW 164th Path | single_family | 3 | 2 | 1,490 | $695,000 | 2026-08-03 |
| 16426 SW 48th Ter | single_family | 3 | 3 | 1,753 | $555,000 | 2026-07-31 |
| 4260 SW 153rd Pl | single_family | 3 | 2 | 1,443 | $750,000 | 2026-07-23 |
| 15552 SW 48th St | single_family | 3 | 2 | 2,411 | $675,000 | 2026-07-16 |
| 4402 SW 162nd Pl | single_family | 3 | 2 | 2,054 | $650,000 | 2026-07-06 |
| 4687 SW 153rd Ct | single_family | 3 | 2 | 1,829 | $650,000 | 2026-06-25 |
| 15045 SW 38th Ter | single_family | 3 | 2 | 2,612 | $1,175,100 | 2026-06-17 |
| 4520 SW 154th Ct | single_family | 3 | 2 | 2,231 | $697,500 | 2026-06-11 |
| 14961 SW 30th Ter | single_family | 3 | 2 | 1,546 | $742,500 | 2026-06-02 |
| 15449 SW 35th Ter | single_family | 3 | 2 | 1,632 | $638,000 | 2026-05-26 |
| 4500 SW 154th Pl | single_family | 3 | 2 | 2,133 | $615,000 | 2026-05-15 |
| 4231 SW 165th Ct | single_family | 3 | 3 | 1,938 | $577,000 | 2026-05-13 |
| 4917 SW 154th Ave | single_family | 3 | 2 | 1,392 | $650,500 | 2026-05-13 |
| 15244 SW 29th Ter | single_family | 3 | 3 | 2,997 | $860,000 | 2026-05-01 |
| 15474 SW 32nd Ter | single_family | 3 | 2 | 1,511 | $565,000 | 2026-04-29 |
| 14833 SW 35th Ln | single_family | 3 | 2 | 1,532 | $700,000 | 2026-04-09 |
| 14970 SW 46th Ter | single_family | 3 | 2 | 2,283 | $699,000 | 2026-03-26 |
| 15320 SW 53rd St | single_family | 3 | 2 | 1,395 | $500,000 | 2026-03-25 |
| 15750 SW 45th St | single_family | 3 | 2 | 2,306 | $875,000 | 2026-03-24 |
| 3834 SW 149th Pl | single_family | 3 | 2 | 1,618 | $699,000 | 2026-03-18 |
| 4333 SW 148th Ct | single_family | 3 | 3 | 1,406 | $595,000 | 2026-03-13 |
| 15071 SW 44th Ter | single_family | 3 | 3 | 2,669 | $805,000 | 2026-03-06 |
| 14737 SW 52nd Ter | single_family | 3 | 2 | 2,041 | $600,000 | 2026-01-02 |
| 16507 SW 52nd St | single_family | 3 | 2 | 1,744 | $500,000 | 2025-12-29 |
| 16637 SW 52nd St | single_family | 3 | 2 | 1,878 | $705,000 | 2025-12-18 |
| 15430 SW 47th St | single_family | 3 | 3 | 1,985 | $760,000 | 2025-12-08 |
| 5235 SW 153rd Ave | single_family | 3 | 3 | 1,730 | $699,900 | 2025-11-04 |
| 5126 SW 165th Ave | single_family | 3 | 3 | 1,744 | $760,000 | 2025-10-03 |
| 5432 SW 150th Pl | single_family | 3 | 2 | 1,821 | $691,000 | 2025-09-29 |
| 5521 SW 158th Ct | single_family | 3 | 2 | 1,608 | $620,000 | 2025-09-22 |
| 4032 SW 154th Ct | single_family | 3 | 2 | 2,041 | $700,000 | 2025-09-18 |
| 3472 SW 156th Ct | single_family | 3 | 2 | 1,511 | $680,000 | 2025-09-15 |
| 14945 SW 38th St | single_family | 3 | 2 | 1,534 | $660,000 | 2025-09-04 |
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 |
|---|---|---|---|---|---|---|
| 4844 SW 152nd Ct Unit F37 | condos | 3 | 2 | 1,070 | $429,990 | — |
| 15416 SW 50th Ter | single_family | 3 | 2 | 1,392 | $595,000 | — |
| 4261 SW 164th Ct | townhomes | 3 | 3 | 1,488 | $575,000 | — |
| 15462 SW 39th St | single_family | 3 | 3 | 2,229 | $779,900 | — |
| 15819 SW 54th Ter | single_family | 3 | 2 | 1,627 | $650,000 | — |
| 15355 SW 39th Ln | single_family | 3 | 3 | 1,570 | $749,900 | — |
| 5030 SW 149th Pl | single_family | 3 | 2 | 1,764 | $650,000 | — |
| 15065 SW 49th Ln Apt F | condos | 3 | 2 | 1,070 | $414,900 | — |
10-year hold projection
IRR-5.1%
Equity multiple0.14x
Total return (10yr)-$83,130
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,027,425 | $7,549 | -$56,200 | $789,348 | $238,077 |
| 2 | $1,058,248 | $7,941 | -$55,863 | $780,102 | $278,146 |
| 3 | $1,089,995 | $8,349 | -$55,512 | $770,221 | $319,775 |
| 4 | $1,122,695 | $8,774 | -$55,145 | $759,661 | $363,034 |
| 5 | $1,156,376 | $9,215 | -$54,763 | $748,376 | $408,000 |
| 6 | $1,191,067 | $9,675 | -$54,365 | $736,316 | $454,751 |
| 7 | $1,226,799 | $10,152 | -$53,950 | $723,428 | $503,371 |
| 8 | $1,263,603 | $10,649 | -$53,517 | $709,655 | $553,948 |
| 9 | $1,301,511 | $11,165 | -$53,067 | $694,937 | $606,575 |
| 10 | $1,340,557 | $11,702 | -$52,597 | $679,207 | $661,349 |
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.