15725 SW 136th Ter

Miami, FL 33196 · single_family · For Sale · 41 days on market
Asking price$765,000
5 beds 4 baths 2,582 sqft
View on Realtor.com →
Listed by an agent · Avenew Realty Corp
Typesingle_family
Built2023
Price / sqft$296
Est. value (own analysis)$771,657
Rent estimate (own analysis)$4,438/mo
HOA$147/mo
Wind10/10Extreme$Heat10/10ExtremeFlood3/10moderate$Air2/10MinorWildfire2/10Minor
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Neighborhood

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Statusfor_sale
Listed date2026-07-23
Removed date
MLSMiamiMLS #A12058182
Coordinates25.63977, -80.44835
Address15725 SW 136th Ter
CityMiami
StateFL
Zip33196
Listing ID9087818492
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)

Purchase price$765,000
Down payment (20.0%)$153,000
Loan amount$612,000
Closing costs (5.0%)$38,250
Total cash to close$191,250
Rent (comp-derived)$4,438$53,250
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$53,250
Vacancy rate (assumption) assumption8.0%

$53,250 × 8.0% = $4,260

Effective gross income$4,083$48,990
Property tax (placeholder 1.9% of price)$1,211$14,535
Insurance (est. scaled by flood & wind risk)$816$9,792
HOA dues$147$1,764
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$222$2,663
Total operating expenses$2,396$28,754
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$48,990
Total operating expenses derived$28,754

$48,990 − $28,754 = $20,237

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$612,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$612,000 amortized at 6.7% over 30 years = $3,933/mo

CapEx reserve (5.0% of GSR)$222$2,663
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$20,237
Annual debt service derived$47,195
Annual CapEx reserve assumption$2,663
Annual PMI assumption$0

($20,237 − $47,195 − $2,663 − $0) ÷ 12 = -$2,468

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$20,237
Purchase price data$765,000

$20,237 ÷ $765,000 = 2.6%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$29,621
Total cash to close derived$191,250

-$29,621 ÷ $191,250 = -15.5%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$20,237
Annual debt service derived$47,195

$20,237 ÷ $47,195 = 0.43

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$53,250
Purchase price data$765,000

($53,250 ÷ 12) ÷ $765,000 = 0.6%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$765,000
Gross scheduled rent (annual) comp$53,250

$765,000 ÷ $53,250 = 14.4

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$28,754
Effective gross income derived$48,990

$28,754 ÷ $48,990 = 58.7%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$28,754
Annual debt service derived$47,195
Annual PMI assumption$0
Gross scheduled rent (annual) comp$53,250

($28,754 + $47,195 + $0) ÷ $53,250 = 142.6%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family542,905$5,7252026-09-01
single_family532,480$3,8752026-08-15
single_family531,908$5,0002026-08-14
single_family543,082$8,0002026-07-31
single_family532,376$3,680
single_family532,480$3,875

15813 SW 140th St

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage2,905
Listed2026-09-01
Days on market

Asking rent: $5,725

View on Zillow →

15157 SW 95th St Unit 15157

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,480
Listed2026-08-15
Days on market

Asking rent: $3,875

View on Zillow →

14571 SW 160th Ct

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage1,908
Listed2026-08-14
Days on market

Asking rent: $5,000

View on Zillow →

13661 SW 160th Ct

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage3,082
Listed2026-07-31
Days on market

Asking rent: $8,000

View on Zillow →

16147 SW 143rd St

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,376
Listed
Days on market

Asking rent: $3,680

View on Zillow →

15157 SW 95th St # 0

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,480
Listed
Days on market

Asking rent: $3,875

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
9166 SW 168th Ctsingle_family541,718$630,0002026-08-06
15976 SW 136th Tersingle_family543,045$940,0002026-08-06
16131 SW 151st Tersingle_family532,312$710,0002026-06-11
9443 SW 170th Pathsingle_family553,344$850,0002026-05-06
17063 SW 91st Stsingle_family553,344$900,0002026-04-24
15425 SW 114th Stsingle_family532,877$849,9002026-04-23
16044 SW 136th Waysingle_family543,045$1,030,0002026-04-13
9777 SW 161st Plsingle_family532,830$850,0002026-03-26
16122 SW 104th Tersingle_family532,390$580,0002026-03-10
16132 SW 147th Lnsingle_family543,075$815,0002026-02-13
15051 SW 149th Stsingle_family554,549$836,0002026-02-12
14552 SW 155th Plsingle_family532,340$520,0002026-02-09
10823 SW 147th Ctsingle_family532,054$692,0002026-01-30
15757 SW 102nd Stsingle_family532,623$780,0002026-01-09
14514 SW 161st Ctsingle_family542,320$1,050,0002025-12-11
16445 SW 100th Tersingle_family532,532$780,0002025-12-01

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
10331 SW 164th Ctsingle_family532,532$750,000
13624 SW 158th Avesingle_family54$775,000
9301 SW 171st Avetownhomes542,312$649,500
10056 SW 165th Ctsingle_family532,532$639,900
17087 SW 93rd Sttownhomes542,312$639,800
16141 SW 96th Tersingle_family532,417$849,000
14830 SW 149th Stsingle_family532,930$1,285,000
17146 SW 93rd Sttownhomes542,312$645,000

10-year hold projection

IRR-0.3%
Equity multiple0.96x
Total return (10yr)$91,906
YearProperty valueNOICash flowLoan balanceEquity
1$787,950$20,237-$29,621$605,365$182,585
2$811,589$20,987-$28,936$598,273$213,315
3$835,936$21,764-$28,228$590,695$245,241
4$861,014$22,568-$27,493$582,597$278,417
5$886,845$23,400-$26,733$573,942$312,903
6$913,450$24,261-$25,946$564,693$348,757
7$940,854$25,151-$25,131$554,809$386,044
8$969,079$26,073-$24,287$544,246$424,833
9$998,151$27,026-$23,413$532,958$465,193
10$1,028,096$28,012-$22,508$520,895$507,201
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.