1252 NW 172nd Ter

Miami Gardens, FL 33169 · single_family · For Sale · 10 days on market
Asking price$725,000
5 beds 3 baths 2,068 sqft
Suggested offer$473,345$251,655 above the est. market value of $473,345.
View on Realtor.com →
Listed by Marcelin Fils-Aime · Options Realty Team, Llc
Typesingle_family
Built1959
Price / sqft$351
Est. value (own analysis)$473,345
Rent estimate (own analysis)$3,990/mo
HOANone
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Neighborhood

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Statusfor_sale
Listed date2026-08-24
Removed date
MLSBeachesMLS #B26067613
Coordinates25.93216, -80.22195
Address1252 NW 172nd Ter
CityMiami Gardens
StateFL
Zip33169
Listing ID5035173094
Sourceus-real-estate-listings, cached 2026-09-01

ZIP market snapshot (33169)

Typical home value (ZHVI)$471,445
Typical rent (ZORI)$2,193/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$725,000
Down payment (20.0%)$145,000
Loan amount$580,000
Closing costs (5.0%)$36,250
Total cash to close$181,250
Rent (comp-derived)$3,990$47,880
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$47,880
Vacancy rate (assumption) assumption8.0%

$47,880 × 8.0% = $3,830

Effective gross income$3,671$44,050
Property tax (placeholder 1.9% of price)$1,148$13,775
Insurance (placeholder 0.8% of price)$483$5,800
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$200$2,394
Total operating expenses$1,831$21,969
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$44,050
Total operating expenses derived$21,969

$44,050 − $21,969 = $22,081

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$580,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$580,000 amortized at 6.7% over 30 years = $3,727/mo

CapEx reserve (5.0% of GSR)$200$2,394
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$22,081
Annual debt service derived$44,727
Annual CapEx reserve assumption$2,394
Annual PMI assumption$0

($22,081 − $44,727 − $2,394 − $0) ÷ 12 = -$2,087

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$22,081
Purchase price data$725,000

$22,081 ÷ $725,000 = 3.0%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$25,040
Total cash to close derived$181,250

-$25,040 ÷ $181,250 = -13.8%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$22,081
Annual debt service derived$44,727

$22,081 ÷ $44,727 = 0.49

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$47,880
Purchase price data$725,000

($47,880 ÷ 12) ÷ $725,000 = 0.6%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$725,000
Gross scheduled rent (annual) comp$47,880

$725,000 ÷ $47,880 = 15.1

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$21,969
Effective gross income derived$44,050

$21,969 ÷ $44,050 = 49.9%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$21,969
Annual debt service derived$44,727
Annual PMI assumption$0
Gross scheduled rent (annual) comp$47,880

($21,969 + $44,727 + $0) ÷ $47,880 = 139.3%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family521,720$2,9952026-07-12
single_family531,468$3,6802026-05-29
single_family532,118$4,5002026-08-27
single_family521,491$4,3002026-08-26

19424 NW 48th Ave

Miami Gardens, 33055 · rent comp

Bedrooms / bathrooms5 bd / 2 ba
Square footage1,720
Listed2026-07-12
Days on market

Asking rent: $2,995

View on Zillow →

3951 NW 173rd Ter

Miami Gardens, 33055 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage1,468
Listed2026-05-29
Days on market

Asking rent: $3,680

View on Zillow →

2831 NW 209th Ter

Miami Gardens, 33056 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage2,118
Listed2026-08-27
Days on market

Asking rent: $4,500

View on Zillow →

160 NW 199th St Unit 1

Miami Gardens, 33169 · rent comp

Bedrooms / bathrooms5 bd / 2 ba
Square footage1,491
Listed2026-08-26
Days on market

Asking rent: $4,300

View on Zillow →

Same ZIP & bedroom count. 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
18201 NW 5th Avesingle_family543,668$630,0002026-08-03
18901 NW 10th Ctsingle_family532,296$730,0002026-07-30
15100 S River Drsingle_family524,346$950,0002026-07-21
330 NW 205th Tersingle_family532,528$489,0002026-05-07
311 NW 201st Stsingle_family522,634$630,0002026-04-03
19501 NE 14 Ctsingle_family564,780$2,757,0002026-01-09

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
36 NW 151st Stmulti_family532,625$725,000
308 NW 159th Stsingle_family533,683$1,799,000
660 S Biscayne River Drsingle_family532,072$799,000
17800 NW 8th Avesingle_family542,238$750,000
18935 NW 8th Avesingle_family521,918$675,000

10-year hold projection

IRR0.9%
Equity multiple1.14x
Total return (10yr)$120,444
YearProperty valueNOICash flowLoan balanceEquity
1$746,750$22,081-$25,040$573,711$173,039
2$769,153$22,853-$24,328$566,991$202,161
3$792,227$23,651-$23,591$559,809$232,418
4$815,994$24,476-$22,829$552,134$263,860
5$840,474$25,329-$22,041$543,932$296,542
6$865,688$26,210-$21,226$535,167$330,521
7$891,659$27,120-$20,383$525,799$365,859
8$918,408$28,061-$19,511$515,789$402,619
9$945,961$29,034-$18,610$505,091$440,870
10$974,339$30,038-$17,678$493,658$480,681
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.