1140 SW 22 Ter
Miami, FL 33129 · single_family · For Sale · 44 days on market
Asking price$2,275,000
4 beds 3 baths 2,750 sqft
Suggested offer$1,825,726$449,274 above the est. market value of $1,825,726.
View on Realtor.com →Listed by Claudia Del Toro P.A · Cervera Real Estate Inc.
Typesingle_family
Built2027
Price / sqft$827
Est. value (own analysis)$1,825,726
Rent estimate (own analysis)$14,250/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood2/10minor$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-07-20
Removed date—
MLSMiamiMLS #A12054338
Coordinates25.75004, -80.21295
Address1140 SW 22 Ter
CityMiami
StateFL
Zip33129
Listing ID9304082417
Sourceus-real-estate-listings, cached 2026-08-29
ZIP market snapshot (33129)
Typical home value (ZHVI)$689,590
Typical rent (ZORI)$3,599/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 | $2,275,000 |
| Down payment (20.0%) | $455,000 |
| Loan amount | $1,820,000 |
| Closing costs (5.0%) | $113,750 |
| Total cash to close | $568,750 |
| Income | |
| Rent (comp-derived) | $14,250$171,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $13,110$157,320 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $3,602$43,225 |
| Insurance (est. scaled by flood & wind risk) | $2,275$27,300 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $713$8,550 |
| Total operating expenses | $6,590$79,075 |
| 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) | $713$8,550 |
| 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 | 4 | 4 | 3,539 | $14,500 | 2026-08-14 | — | |
| single_family | 4 | 4 | 2,763 | $14,000 | 2026-08-11 | — | |
| single_family | 4 | 4 | 2,160 | $9,000 | 2026-08-10 | — | |
| single_family | 4 | 5 | 2,962 | $19,000 | 2026-08-04 | — | |
| single_family | 4 | 3 | 3,016 | $7,500 | 2026-03-17 | — | |
| single_family | 4 | 4 | 2,827 | $22,000 | 2024-01-19 | — |
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 |
|---|---|---|---|---|---|---|
| 2031 S Miami Ave | single_family | 4 | 5 | 4,259 | $4,275,000 | 2026-07-31 |
| 365 SW 31st Rd | single_family | 4 | 4 | 2,514 | $2,076,000 | 2026-07-06 |
| 401 SW 28th Rd | single_family | 4 | 4 | 2,518 | $1,728,000 | 2026-06-15 |
| 452 SW 21st Rd | single_family | 4 | 3 | 2,300 | $1,255,000 | 2026-06-04 |
| 426 SW 26th Rd | single_family | 4 | 3 | 1,688 | $1,250,000 | 2026-06-04 |
| 321 SW 19th Rd | single_family | 4 | 2 | 1,755 | $1,030,000 | 2026-06-02 |
| 701 SW 27th Rd | single_family | 4 | 4 | 2,743 | $3,820,000 | 2026-05-15 |
| 441 SW 27th Rd | single_family | 4 | 4 | 2,332 | $1,650,000 | 2026-05-13 |
| 159 SW 25th Rd | single_family | 4 | 3 | 2,296 | $1,335,000 | 2026-05-06 |
| 3001 SW 4th Ave | single_family | 4 | 3 | 3,049 | $1,940,000 | 2026-03-09 |
| 445 SW 24th Rd | single_family | 4 | 3 | 2,167 | $1,150,000 | 2026-02-13 |
| 1928 S Miami Ave | single_family | 4 | 2 | 4,144 | $838,000 | 2026-02-10 |
| 1739 SW 12th Ave | single_family | 4 | 2 | 2,410 | $1,600,000 | 2026-02-03 |
| 531 SW 23rd Rd | single_family | 4 | 3 | 2,086 | $1,600,000 | 2026-01-23 |
| 2700 SW 4th Ave | single_family | 4 | 3 | 2,722 | $1,525,000 | 2026-01-23 |
| 326 SW 20th Rd | single_family | 4 | 4 | 2,280 | $1,485,000 | 2026-01-06 |
| 340 SW 25th Rd | single_family | 4 | 4 | 2,229 | $1,150,000 | 2025-12-30 |
| 701 SW 24th Rd | single_family | 4 | 5 | 3,875 | $2,750,000 | 2025-12-30 |
| 1575 SW 12th Ave | single_family | 4 | 2 | 1,479 | $1,200,000 | 2025-12-30 |
| 47 SW 21st Rd | single_family | 4 | 4 | 2,220 | $1,925,000 | 2025-12-22 |
| 1150 SW 22nd Ter | single_family | 4 | 3 | 2,725 | $1,816,000 | 2025-12-04 |
| 1152 SW 22nd Ter | single_family | 4 | 3 | 2,850 | $1,816,000 | 2025-11-07 |
| 5760137954 | single_family | 4 | 4 | 2,169 | $1,430,000 | 2025-10-17 |
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 |
|---|---|---|---|---|---|---|
| 175 SE 25th Rd Apt 3601 | condos | 4 | 5 | 2,743 | $6,450,000 | — |
| 2311 SW 5th Ave | single_family | 4 | 4 | — | $2,390,000 | — |
| 1142 SW 22 Ter | single_family | 4 | 3 | 2,840 | $2,325,000 | — |
| 530 SW 18th Ter | single_family | 4 | 4 | 2,023 | $2,399,000 | — |
| 175 SE 25th Rd Apt 2701 | condos | 4 | 5 | 2,743 | $5,750,000 | — |
| 1225 SW 11th Ave | multi_family | 4 | 3 | 2,058 | $2,200,000 | — |
| 330 SW 19th Rd | single_family | 4 | 5 | 2,962 | $3,750,000 | — |
| 440 SW 29th Rd | single_family | 4 | 3 | 2,674 | $2,399,000 | — |
10-year hold projection
IRR1.9%
Equity multiple1.31x
Total return (10yr)$471,646
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $2,343,250 | $78,245 | -$70,655 | $1,800,267 | $542,983 |
| 2 | $2,413,548 | $80,988 | -$68,126 | $1,779,179 | $634,368 |
| 3 | $2,485,954 | $83,823 | -$65,510 | $1,756,643 | $729,311 |
| 4 | $2,560,533 | $86,753 | -$62,804 | $1,732,560 | $827,973 |
| 5 | $2,637,349 | $89,781 | -$60,006 | $1,706,822 | $930,526 |
| 6 | $2,716,469 | $92,911 | -$57,112 | $1,679,317 | $1,037,152 |
| 7 | $2,797,963 | $96,146 | -$54,120 | $1,649,924 | $1,148,039 |
| 8 | $2,881,902 | $99,488 | -$51,025 | $1,618,511 | $1,263,391 |
| 9 | $2,968,359 | $102,943 | -$47,824 | $1,584,942 | $1,383,417 |
| 10 | $3,057,410 | $106,513 | -$44,514 | $1,549,068 | $1,508,342 |
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.