13334 SW 227th St

Miami, FL 33170 · single_family · For Sale · 155 days on market
Asking price$1,100,000
5 beds 5 baths 2,070 sqft
Suggested offer$614,562$485,438 above the est. market value of $614,562.
View on Realtor.com →
Listed by Yayset Rojas · Legacy Group Real Estate, Llc.
Typesingle_family
Built2021
Price / sqft$531
Est. value (own analysis)$614,562
Rent estimate (own analysis)$3,913/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood5/10major$Air2/10MinorWildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2026-03-31
Removed date
MLSMiamiMLS #A11984369
Coordinates25.55561, -80.40759
Address13334 SW 227th St
CityMiami
StateFL
Zip33170
Listing ID9589097088
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$1,100,000
Down payment (20.0%)$220,000
Loan amount$880,000
Closing costs (5.0%)$55,000
Total cash to close$275,000
Rent (comp-derived)$3,913$46,950
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$46,950
Vacancy rate (assumption) assumption8.0%

$46,950 × 8.0% = $3,756

Effective gross income$3,600$43,194
Property tax (placeholder 1.9% of price)$1,742$20,900
Insurance (est. scaled by flood & wind risk)$1,283$15,400
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$196$2,348
Total operating expenses$3,221$38,648
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$43,194
Total operating expenses derived$38,648

$43,194 − $38,648 = $4,547

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$880,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$880,000 amortized at 6.7% over 30 years = $5,655/mo

CapEx reserve (5.0% of GSR)$196$2,348
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$4,547
Annual debt service derived$67,861
Annual CapEx reserve assumption$2,348
Annual PMI assumption$0

($4,547 − $67,861 − $2,348 − $0) ÷ 12 = -$5,472

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$4,547
Purchase price data$1,100,000

$4,547 ÷ $1,100,000 = 0.4%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$65,662
Total cash to close derived$275,000

-$65,662 ÷ $275,000 = -23.9%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$4,547
Annual debt service derived$67,861

$4,547 ÷ $67,861 = 0.07

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$46,950
Purchase price data$1,100,000

($46,950 ÷ 12) ÷ $1,100,000 = 0.4%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$1,100,000
Gross scheduled rent (annual) comp$46,950

$1,100,000 ÷ $46,950 = 23.4

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$38,648
Effective gross income derived$43,194

$38,648 ÷ $43,194 = 89.5%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$38,648
Annual debt service derived$67,861
Annual PMI assumption$0
Gross scheduled rent (annual) comp$46,950

($38,648 + $67,861 + $0) ÷ $46,950 = 226.9%

Comparables

Widened to city-wide. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family542,612$7,3002026-08-15
single_family532,480$3,8752026-08-15
single_family531,908$5,0002026-08-14
single_family531,685$3,5002026-07-21
single_family532,598$4,8002026-07-18
single_family542,598$4,6002026-07-08
single_family532,406$4,4002026-07-03
single_family531,650$3,800
single_family531,646$4,8002026-04-18
single_family532,598$3,2152026-08-18
single_family542,740$3,9502026-07-31
single_family532,376$3,680
single_family531,971$3,8002026-08-27
single_family532,480$3,875

19706 SW 130th Ave Unit 0

Miami, 33177 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage2,612
Listed2026-08-15
Days on market

Asking rent: $7,300

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 →

16227 SW 139th Ct

Miami, 33177 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage1,685
Listed2026-07-21
Days on market

Asking rent: $3,500

View on Zillow →

12745 SW 204th Ln

Miami, 33177 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,598
Listed2026-07-18
Days on market

Asking rent: $4,800

View on Zillow →

20255 SW 129th Ave

Miami, 33177 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage2,598
Listed2026-07-08
Days on market

Asking rent: $4,600

View on Zillow →

11461 SW 193rd St Unit 0

Miami, 33157 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,406
Listed2026-07-03
Days on market

Asking rent: $4,400

View on Zillow →

12556 SW 194th St

Miami, 33177 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage1,650
Listed
Days on market

Asking rent: $3,800

View on Zillow →

8640 SW 125th Ter

Miami, 33156 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage1,646
Listed2026-04-18
Days on market

Asking rent: $4,800

View on Zillow →

20365 SW 129th Avenue Dr

Miami, 33177 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,598
Listed2026-08-18
Days on market

Asking rent: $3,215

View on Zillow →

13510 SW 177th Ter

Miami, 33177 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage2,740
Listed2026-07-31
Days on market

Asking rent: $3,950

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 →

9851 SW 117th Ct

Miami, 33186 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage1,971
Listed2026-08-27
Days on market

Asking rent: $3,800

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
13231 SW 220th Stsingle_family553,600$2,600,0002026-08-21
11050 SW 225th Tersingle_family532,068$570,0002026-08-14
13217 SW 227th Stsingle_family542,643$1,050,0002026-07-31
10763 SW 229th Stsingle_family532,512$664,0002026-07-27
10941 SW 226th Tersingle_family532,484$620,0002026-05-29
12716 SW 224th Stsingle_family532,275$1,000,0002026-05-14
19491 SW 216th Stsingle_family534,412$1,040,0002026-03-30
12833 SW 229th Tersingle_family543,191$755,0002026-03-16
12904 SW 222nd Stsingle_family544,007$1,165,0002026-03-11
13281 SW 227th Stsingle_family552,508$760,0002026-03-10
23055 SW 172nd Ctsingle_family543,826$1,500,0002026-03-09
16255 SW 216th Stsingle_family543,224$1,575,9002026-03-06
15455 SW 232nd Stsingle_family542,850$1,030,0002026-01-20
23070 SW 123 Ctsingle_family532,300$668,0002026-01-12
22986 SW 128th Plsingle_family543,191$870,0002026-01-09
22900 SW 157th Avesingle_family523,765$3,782,0002026-01-02
22980 SW 130th Avesingle_family533,094$697,0002025-12-22
22685 SW 131st Plsingle_family543,252$824,7422025-10-31
13221 SW 220th Stsingle_family564,269$2,950,0002025-09-17
19400 SW 232nd Stsingle_family544,078$2,000,0002025-09-05

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
SW 132nd Avenue and SW 223rd Streetsingle_family532,987$807,990
22555 SW 125th Avetownhomes54$2,990,000
12933 SW 227th Stsingle_family532,066$765,000
18261 SW 224th Stsingle_family543,104$1,875,000
12969 SW 220th Tersingle_family543,319$1,299,000
22555 SW 125th Ave Unit 13Atownhomes54$649,990
12900 SW 229th Stsingle_family543,252$760,000
22421 SW 184th Avesingle_family533,178$1,200,000

10-year hold projection

IRR-6.0%
Equity multiple-0.01x
Total return (10yr)-$133,417
YearProperty valueNOICash flowLoan balanceEquity
1$1,133,000$4,547-$65,662$870,459$262,541
2$1,166,990$4,876-$65,392$860,262$306,728
3$1,202,000$5,220-$65,107$849,366$352,634
4$1,238,060$5,580-$64,809$837,721$400,339
5$1,275,201$5,956-$64,497$825,276$449,925
6$1,313,458$6,348-$64,170$811,977$501,480
7$1,352,861$6,757-$63,827$797,765$555,096
8$1,393,447$7,183-$63,468$782,576$610,871
9$1,435,251$7,629-$63,093$766,345$668,905
10$1,478,308$8,093-$62,700$748,999$729,309
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.