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12969 SW 220th Ter, Miami, FL, 33170

5beds
4baths
3,319sqft
$1,299,000
$391price/sqft
$9,117/moest. monthly cost
$364,680/yrincome needed

About This Home

Discover an exceptional opportunity to own this luxurious estate offering the perfect blend of elegance, comfort, and resort-style living. This impressive residence features 5 bedrooms, 4 bathrooms, and approximately 4,688 square feet of living space situated on an expansive 21,000-square-foot lot. Designed for both everyday living and entertaining, the property includes a separate guest house, a large heated pool with spa, and recently installed two A/C units for added comfort and efficiency. The outdoor oasis showcases a fully equipped chef's outdoor kitchen, spacious paved patio areas, a charming tiki hut, and ample room to accommodate your boat. Delicious plum and mango trees. Additional highlights include energy-saving solar panels that help reduce electricity costs. This exceptional home is easy to show and move-in ready.

Getting Around

23
WalkingCar-Dependent
16
TransitMinimal Transit
29
BikeSomewhat Bikeable

Schools

6/10
5/10
Cutler Bay MiddleGrades 6-83.7 mi

Construction

Condition

  • Year built: 2007

Materials

  • Roof: Barrel Roof
  • Construction materials: Concrete Block Construction,CBS Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Electric Range,Electric Water Heater,Gas Range,Microwave,Refrigerator,Self Cleaning Oven,Washer
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Pantry,Roman Tub,Split Bedroom,3 Bedroom Split,Vaulted Ceiling(s),Walk-In Closet(s),Separate Guest/In-Law Quarters
  • Window features: Partial Accordian Shutters,Hurricane Shutters
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Ceiling Fan(s),Central Air,Electric,Wall/Window Unit(s)

Interior Area

  • Total structure area: 4,688
  • Total interior livable area: 3,319 sqft

Property

Details

  • Parcel number: 3069140110770
  • Zoning: 2100

Features

  • Stories: 1
  • Entry location: First Floor Entry
  • Private pool: Yes
  • Pool features: In Ground,Fenced,Equipment Stays,Pool Bath,Pool Only
  • Patio & porch: Patio
  • Exterior features: Barbecue,Built-in Barbecue,Lighting
  • Fencing: Fenced
  • Has view: Yes
  • View description: Garden,Pool
  • Residential vegetation: Fruit Trees

Lot

  • Lot size: 0.48 Acres
  • Features: 1/2 To Less Than 3/4 Acre Lot

Parking

  • Total spaces: 2
  • Parking features: Circular Driveway,Driveway,Rv/Boat Parking,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Cold Wave
Hurricane
Inland Flooding
Heat Wave
Lightning
Tsunami

FEMA Declared Disasters in Miami-Dade County and Florida

Flood
Hurricane
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,568$78,816
Home Insurance *$343$4,116
Property Taxes $1,872$22,464
Electricity $334$4,008
Total$9,117$109,404
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$312,582/yr
40% on housing$273,510/yr
45% on housing$243,120/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.8%
7.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$391This listing

vs Other Active Listings

Avg $/sqft

ZIP 33170$368
Miami-Dade County$639

vs Homes Sold Last Month

Median $/sqft

ZIP 33170$360
Miami-Dade County$404

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-24Listed for sale$1,299,000
2026-07-23Listing removed$1,399,999
2026-01-26Listed for sale$1,399,999
2025-08-05Listing removed$1,249,999
2024-12-16Price change$1,249,999
2024-10-28Price change$1,299,999
2024-08-12Listed for sale$1,400,000
2024-06-29Listing removed$1,400,000
2024-01-18Listing removed$1,400,000
2023-11-03Price change$1,400,000
2023-10-04Price change$1,300,000
2023-05-01Listed for sale$1,499,000
2018-11-19Listing removed$685,000
2018-10-02Listed for sale$685,000
2016-08-30Sold$550,000
2016-07-26Pending sale$625,000
2016-05-24Price change$625,000
2016-05-19Listed for sale$549,900
2016-04-05Listing removed$549,900
2016-03-15Price change$549,900
2015-12-16Price change$599,000
2015-10-15Price change$609,000
2015-09-07Listed for sale$619,000
2013-03-28Sold$393,000
2010-03-05Sold$340,000

For Sale by Agent

AgentMaria Cancio
BrokerageHomeland Capital Realty

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