If you own a home in Miami-Dade or Broward right now, you've probably asked a blunt question: how much of this house do I own, and how much cash would I keep if I sold? That question matters more when insurance premiums rise, HOA demands land without warning, or an inherited property sits in probate while bills keep coming. That ownership stake is equity. At the simplest level, it's the part of the property value that belongs to you instead of your lender. At the national level,…