10972 SW 4th St # J2, Sweetwater FL 33174, SWEETWATER, FL, 33174
Active35 days on marketListed Jul 15, 2026MLS #A12054382
About this home
10972 SW 4th St # J2, Sweetwater FL 33174
Beautifully Updated Two-Level Condo in Sweetwater! This spacious 2-bedroom, 1 1/2-bath residence offers a perfect blend of comfort and convenience. Features include a remodeled kitchen and updated bathrooms, tile flooring throughout, impact glass doors, newer A/C (2024), new washer and dryer, new stove, new microwave, new water heater, and new ceiling fans. Freshly painted and move-in ready. Ideally located just minutes from Florida International University (FIU), Dolphin Mall, International Mall, Miami International Airport, major highways, restaurants, and shopping. A fantastic opportunity for both homeowners and investors in a high-demand rental area. Don't miss this exceptional property
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
880
Sqft
1975
Year built
$352
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 and the real association fee — not generic estimates.
$2,578 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,578/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+19.6%
$/sqft vs Sweetwater actives
$352 vs $349
Days on market
35 vs 26 typical
Where $352/sqft sits among the 18 Sweetwater 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 Sweetwater Groves
Get to know Sweetwater. See the full Sweetwater guide →
Sweetwater Groves — neighborhood snapshot
Population
15,508
Median age
43
Median income
$50,512
Median home value
$197,744
Avg household
3
Households w/ children
1,827
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Sweetwater market
$280K → $500K
Sweetwater median sold, yr/yr
2 of 18
Sweetwater actives have cut their price
This home is listed 46% above the SWEETWATER 33174 median. See the full Sweetwater market guide →
Paper trail
This home's history
Reality check
What actually sold near 10972 SW 4th St # J2
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$205,000
11790 SW 18th St # 3, Miami FL 33175
2 bd · 2 ba · 898 sqft · $228/sqft · 79 DOM
Sold · May ’26$217,000
11800 SW 18th St # 4, Miami FL 33175
2 bd · 2 ba · 898 sqft · $242/sqft · 11 DOM
Sold · Jan ’26$230,000
11780 SW 18th St # 2, Miami FL 33175
2 bd · 2 ba · 898 sqft · $256/sqft · 134 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 10972 SW 4th St # J2 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10972 SW 4th St # J2 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
10972 SW 4th St # J2 FAQs
What would the monthly payment be for 10972 SW 4th St # J2, Sweetwater FL 33174?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,578/mo — principal and interest, the actual property-tax bill, the $350/mo association fee 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.
How much are the HOA fees at 10972 SW 4th St # J2, Sweetwater FL 33174?+
The association fee works out to $350 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10972 SW 4th St # J2, Sweetwater FL 33174?+
The most recent tax bill on record (2025) was $1,270. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Sweetwater?+
At $310,000, this home is listed about 9% below the Sweetwater median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10972 SW 4th St # J2, Sweetwater FL 33174?+
Dr. Carlos J. Finlay Elementary (elementary), Paul W. Bell Middle School (middle), G. Holmes Braddock Senior High (high), Instructional Center System Wide (), District Instructional Center (Dic) (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$310,000 runs 46% above the SWEETWATER 33174 median.
02None views
The none view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Dr. Carlos J. Finlay Elementary, Paul W. Bell Middle School, G. Holmes Braddock Senior High, Instructional Center System Wide, District Instructional Center (Dic), Title I Migrant Education Program — Dr. Carlos J. Finlay Elementary rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of Realty One Group Evolution · Zulben Rosales. MLS #A12054382.
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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