12969 SW 220th Ter, Miami FL 33170, MIAMI, FL, 33170
Active204 days on marketListed Jan 23, 2026MLS #A11952657
About this home
12969 SW 220th Ter, Miami FL 33170
Here's an amazing opportunity to buy this stunning estate luxury home! It boasts 5 bedrooms, 4 bathrooms, and sits on a spacious 21,000 sq ft lot with an actual living area of 4,688 sq ft. There's a guest house with a pool and a large, heated pool as well, with two new a/c units. The outdoor space is perfect for entertaining friends and family, featuring a chef's kitchen, a heated pool with a spa, paved flooring, a tiki hut, and even room for your boat. Plus, the home is equipped with electric panels for significant electricity savings. It's easy to show and ready for you to move in!
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,319
Sqft
2
Garage
2007
Year built
$422
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$8,891 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,891/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−1.7%
$/sqft vs Miami actives
$422 vs $511
Days on market
204 vs 66 typical
Where $422/sqft sits among the 400 Miami actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Miami
Get to know Miami. See the full Miami guide →
MIAMI 33170 — neighborhood snapshot
Population
14,763
Median age
39.4
Median income
$68,953
Median home value
$426,200
Avg household
3.27
Households w/ children
1,830
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Miami market
$508K → $590K
Miami median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
36 of 400
Miami actives have cut their price
Median sold price, Miami, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 159% above the MIAMI 33170 median. See the full Miami market guide →
Paper trail
This home's history
Reality check
What actually sold near 12969 SW 220th Ter
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$785,000
12920 SW 220th Ter, Miami FL 33170 · same community
4 bd · 3 ba · 3,062 sqft · $256/sqft · 97 DOM
Sold · Sep ’25$855,000
13202 SW 216th Ter, Miami FL 33170 · same community
5 bd · 3 ba · 2,673 sqft · $320/sqft · 41 DOM
Sold · Apr ’26$825,000
13135 SW 218th Ter, Miami FL 33170 · same community
4 bd · 3 ba · 2,106 sqft · $392/sqft · 57 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12969 SW 220th Ter — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12969 SW 220th Ter — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12969 SW 220th Ter FAQs
What would the monthly payment be for 12969 SW 220th Ter, Miami FL 33170?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,891/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 12969 SW 220th Ter, Miami FL 33170?+
The most recent tax bill on record (2025) was $7,817. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 12969 SW 220th Ter, Miami FL 33170?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Miami?+
At $1,399,999, this home is listed about 130% above the Miami median of $610,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12969 SW 220th Ter, Miami FL 33170?+
Pine Villa Elementary School (elementary), Miami Southridge Senior High (high), Cutler Bay Middle (middle), Title I Migrant Education Program (), Instructional Center System Wide (), District Instructional Center (Dic) () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,399,999 runs 159% above the MIAMI 33170 median — but at 3,319 sqft it's also nearly 3 times the size of the typical Miami listing.
02Garden & Pool views
The garden and pool view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
204 days on market against a Miami median of 66 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Pine Villa Elementary School, Miami Southridge Senior High, Cutler Bay Middle, Title I Migrant Education Program, Instructional Center System Wide, District Instructional Center (Dic) — Pine Villa Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Homeland Capital Realty · Maria Cancio. MLS #A11952657.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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