13629 SW 186th Ln
Miami, FL 33177 · single_family · For Sale · 118 days on market
Asking price$969,990
5 beds 4 baths 3,012 sqft
Listed by Stephany Cabreja · Douglas Elliman - 5555 Biscayne Blvd
Typesingle_family
Built2024
Price / sqft$322
Est. value (own analysis)$1,005,765
Rent estimate (own analysis)$4,850/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood6/10major$Wildfire3/10ModerateAir2/10Minor
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Statusfor_sale
Listed date2026-05-07
Removed date—
MLSMiamiMLS #A12014645
Coordinates25.59397, -80.41218
Address13629 SW 186th Ln
CityMiami
StateFL
Zip33177
Listing ID9005858257
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)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $969,990 |
| Down payment (20.0%) | $193,998 |
| Loan amount | $775,992 |
| Closing costs (5.0%) | $48,500 |
| Total cash to close | $242,498 |
| Income | |
| Rent (comp-derived) | $4,850$58,200 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,462$53,544 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,536$18,430 |
| Insurance (est. scaled by flood & wind risk) | $1,132$13,580 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $243$2,910 |
| Total operating expenses | $2,910$34,920 |
| 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) | $243$2,910 |
| 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 | 5 | 4 | 2,612 | $7,300 | 2026-08-15 | — | |
| single_family | 5 | 5 | 3,456 | $5,900 | 2026-08-12 | — | |
| single_family | 5 | 3 | 3,116 | $4,850 | — | — | |
| single_family | 5 | 3 | 2,598 | $4,800 | 2026-07-18 | — | |
| single_family | 5 | 4 | 2,598 | $4,600 | 2026-07-08 | — | |
| single_family | 5 | 4 | 3,349 | $5,700 | 2026-07-02 | — | |
| single_family | 5 | 3 | 2,598 | $3,215 | 2026-08-18 | — | |
| single_family | 5 | 5 | 2,838 | $7,250 | 2026-05-22 | — | |
| single_family | 5 | 4 | 2,740 | $3,950 | 2026-07-31 | — |
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 |
|---|---|---|---|---|---|---|
| 19880 SW 134th Ave | single_family | 5 | 3 | 3,316 | $1,550,000 | 2026-08-13 |
| 14420 SW 157th St | single_family | 5 | 3 | 1,673 | $805,000 | 2026-08-12 |
| 19596 SW 130th Avenue Rd | single_family | 5 | 4 | 3,385 | $1,155,000 | 2026-08-12 |
| 19059 SW 134th Ct | single_family | 5 | 5 | 2,845 | $950,000 | 2026-07-29 |
| 15320 SW 141st Ct | single_family | 5 | 3 | 2,583 | $750,000 | 2026-06-30 |
| 19533 SW 130th Ave | single_family | 5 | 4 | 3,385 | $1,450,000 | 2026-06-24 |
| 20135 SW 129th Ave | single_family | 5 | 4 | 2,598 | $775,000 | 2026-06-15 |
| 15851 SW 139th Pl | single_family | 5 | 2 | 2,099 | $550,000 | 2026-06-10 |
| 13680 SW 191st Ter | single_family | 5 | 5 | 2,845 | $1,180,000 | 2026-06-09 |
| 11711 SW 181st Ter | single_family | 5 | 2 | 1,716 | $654,000 | 2026-06-02 |
| 12841 SW 200th Ter | single_family | 5 | 3 | 2,772 | $710,000 | 2026-05-21 |
| 21205 SW 127th Ct | single_family | 5 | 4 | 3,349 | $785,000 | 2026-05-05 |
| 20235 SW 129th Ave | single_family | 5 | 4 | 2,598 | $760,000 | 2026-03-16 |
| 13921 SW 152nd Ter | single_family | 5 | 3 | 2,583 | $727,650 | 2026-03-13 |
| 11771 SW 179th Ter | single_family | 5 | 3 | 1,752 | $670,000 | 2026-03-11 |
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 |
|---|---|---|---|---|---|---|
| 13283 SW 188th Ter | single_family | 5 | 4 | — | $990,000 | — |
| 19246 SW 132nd Ave | single_family | 5 | 4 | 2,612 | $1,250,000 | — |
| 20155 SW 129th Ave | single_family | 5 | 4 | 2,598 | $950,000 | — |
| 21230 SW 127th Pl | single_family | 5 | 5 | 2,809 | $1,200,000 | — |
| 21204 SW 126th Ct | single_family | 5 | 3 | 2,753 | $799,990 | — |
| 19706 SW 130th Ave | single_family | 5 | 4 | 2,612 | $1,599,000 | — |
| SW 127th Ave & SW 212th St | single_family | 5 | 3 | 2,753 | $774,990 | — |
| SW 127th Ave & SW 212th St | single_family | 5 | 3 | 2,451 | $714,990 | — |
10-year hold projection
IRR-2.2%
Equity multiple0.65x
Total return (10yr)$40,706
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $999,090 | $18,624 | -$44,126 | $767,579 | $231,511 |
| 2 | $1,029,062 | $19,358 | -$43,466 | $758,587 | $270,475 |
| 3 | $1,059,934 | $20,117 | -$42,781 | $748,979 | $310,956 |
| 4 | $1,091,732 | $20,904 | -$42,070 | $738,710 | $353,022 |
| 5 | $1,124,484 | $21,719 | -$41,333 | $727,737 | $396,748 |
| 6 | $1,158,219 | $22,564 | -$40,569 | $716,010 | $442,209 |
| 7 | $1,192,965 | $23,438 | -$39,777 | $703,477 | $489,488 |
| 8 | $1,228,754 | $24,344 | -$38,956 | $690,084 | $538,670 |
| 9 | $1,265,617 | $25,282 | -$38,105 | $675,771 | $589,846 |
| 10 | $1,303,585 | $26,253 | -$37,222 | $660,475 | $643,110 |
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.