22555 SW 125th Ave

Miami, FL 33170 · townhomes · For Sale · 7 days on market
Asking price$2,990,000
5 beds 4 baths — sqft
Suggested offer$474,900$2,515,100 above the est. market value of $474,900.
View on Realtor.com →
Listed by Reynaldo Gonzalez · Malibu Bay Realty
Typetownhomes
Built2024
Price / sqft
Est. value (own analysis)$474,900
Rent estimate (Zillow ZIP avg)$2,406/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood5/10major$Air2/10MinorWildfire1/10Minimal
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Neighborhood

Show every detail
Statusfor_sale
Listed date2026-08-26
Removed date
MLSMiamiMLS #A12078190
Coordinates25.55742, -80.39416
Address22555 SW 125th Ave
CityMiami
StateFL
Zip33170
Listing ID9592715565
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$2,990,000
Down payment (20.0%)$598,000
Loan amount$2,392,000
Closing costs (5.0%)$149,500
Total cash to close$747,500
Rent (ZIP avg, ZORI — not bedroom-specific)$2,406$28,870
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$28,870
Vacancy rate (assumption) assumption8.0%

$28,870 × 8.0% = $2,310

Effective gross income$2,213$26,560
Property tax (placeholder 1.9% of price)$4,734$56,810
Insurance (est. scaled by flood & wind risk)$3,488$41,860
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$120$1,444
Total operating expenses$8,343$100,114
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$26,560
Total operating expenses derived$100,114

$26,560 − $100,114 = -$73,553

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$2,392,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$2,392,000 amortized at 6.7% over 30 years = $15,372/mo

CapEx reserve (5.0% of GSR)$120$1,444
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-$73,553
Annual debt service derived$184,460
Annual CapEx reserve assumption$1,444
Annual PMI assumption$0

(-$73,553 − $184,460 − $1,444 − $0) ÷ 12 = -$21,621

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived-$73,553
Purchase price data$2,990,000

-$73,553 ÷ $2,990,000 = -2.5%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$259,456
Total cash to close derived$747,500

-$259,456 ÷ $747,500 = -34.7%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived-$73,553
Annual debt service derived$184,460

-$73,553 ÷ $184,460 = -0.40

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$28,870
Purchase price data$2,990,000

($28,870 ÷ 12) ÷ $2,990,000 = 0.1%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$2,990,000
Gross scheduled rent (annual) comp$28,870

$2,990,000 ÷ $28,870 = 103.6

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$100,114
Effective gross income derived$26,560

$100,114 ÷ $26,560 = 376.9%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$100,114
Annual debt service derived$184,460
Annual PMI assumption$0
Gross scheduled rent (annual) comp$28,870

($100,114 + $184,460 + $0) ÷ $28,870 = 985.7%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
townhomes54$4,8002026-08-16
townhomes53$4,5402026-05-21

13624 SW 158th Ave Unit 1364

Miami, 33196 · rent comp

Bedrooms / bathrooms5 bd / 4 ba
Square footage
Listed2026-08-16
Days on market

Asking rent: $4,800

View on Zillow →

22555 SW 125th Ave Unit 13A

Miami, 33170 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage
Listed2026-05-21
Days on market

Asking rent: $4,540

View on Zillow →

Widened to any bedroom count in ZIP. 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
11052 SW 230 Tertownhomes331,489$495,0502026-08-31
22952 SW 127th Ct Unit 1townhomes331,694$455,0002026-08-28
21955 SW 124avetownhomes32$474,9002026-08-14
11300 SW 230th Tertownhomes321,672$392,0002026-07-14
23124 SW 130th Avetownhomes431,827$455,0002026-07-10
12765 SW 229th Tertownhomes321,331$459,9002026-07-08
22959 SW 112th Pltownhomes331,559$399,0002026-07-06
11276 SW 229th Tertownhomes421,698$400,0002026-07-01
23031 SW 127th Cttownhomes331,828$550,0002026-06-22
22485 SW 125th Ave Unit 16Atownhomes54$629,9902026-05-15
22951 SW 127th Cttownhomes431,815$464,0002026-04-17
12389 SW 220th Sttownhomes32$474,9002026-04-02
12383 SW 220th Sttownhomes32$485,0002026-03-27
12395 SW 220th Sttownhomes32$480,0002026-03-23
12330 SW 219th Sttownhomes32$474,9002026-03-23
12744 SW 230th St Unit 12744townhomes331,694$440,0002026-03-19
23286 SW 131st Cttownhomes33$435,0002026-03-13
21911 SW 124th Avetownhomes32$475,0002026-03-13
12350 SW 219th Sttownhomes32$474,9002026-03-10
12393 SW 220th Sttownhomes32$474,9002026-03-10
12336 SW 219th Sttownhomes32$474,9002026-02-27
12344 SW 219th Sttownhomes32$499,9002026-02-20
11368 SW 230th Tertownhomes431,698$366,0002026-02-13
23125 SW 112th Cttownhomes321,672$390,0002026-02-05
11257 SW 231st Lntownhomes321,672$350,0002026-01-23
12387 SW 220th Sttownhomes32$499,9002026-01-06
23053 SW 131st Avetownhomes331,697$545,3752026-01-05

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
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
23120 SW 154th Ctsingle_family542,850$1,024,999

10-year hold projection

IRR-13.1%
Equity multiple-1.25x
Total return (10yr)-$1,293,499
YearProperty valueNOICash flowLoan balanceEquity
1$3,079,700-$73,553-$259,456$2,366,065$713,635
2$3,172,091-$75,259-$261,198$2,338,350$833,741
3$3,267,254-$77,004-$262,980$2,308,731$958,523
4$3,365,271-$78,788-$264,802$2,277,078$1,088,193
5$3,466,229-$80,613-$266,666$2,243,252$1,222,978
6$3,570,216-$82,478-$268,571$2,207,102$1,363,114
7$3,677,323-$84,386-$270,520$2,168,471$1,508,852
8$3,787,643-$86,337-$272,513$2,127,186$1,660,457
9$3,901,272-$88,333-$274,551$2,083,066$1,818,206
10$4,018,310-$90,373-$276,635$2,035,917$1,982,393
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.