14545 Garden Dr
Miami, FL 33168 · single_family · For Sale · 23 days on market
Asking price$624,000
3 beds 2 baths 1,082 sqft
Suggested offer$410,338$213,662 above the est. market value of $410,338.
View on Realtor.com →Listed by Leonor Cano-Garrido · A & G TEAM REALTY, LLC
Typesingle_family
Built1951
Price / sqft$577
Est. value (own analysis)$410,338
Rent estimate (own analysis)$3,100/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood5/10major$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-08-10
Removed date—
MLSMiamiMLS #A12068297
Coordinates25.90858, -80.20084
Address14545 Garden Dr
CityMiami
StateFL
Zip33168
Listing ID5102661716
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33168)
Typical home value (ZHVI)$465,034
Typical rent (ZORI)$2,539/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)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $624,000 |
| Down payment (20.0%) | $124,800 |
| Loan amount | $499,200 |
| Closing costs (5.0%) | $31,200 |
| Total cash to close | $156,000 |
| Income | |
| Rent (comp-derived) | $3,100$37,200 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,852$34,224 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $988$11,856 |
| Insurance (est. scaled by flood & wind risk) | $728$8,736 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $155$1,860 |
| Total operating expenses | $1,871$22,452 |
| Net operating income (NOI) | |
| Debt service & reserves | |
| Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing) | |
| CapEx reserve (5.0% of GSR) | $155$1,860 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Cap rate
Cash-on-cash
DSCR
Rent-to-price (1% rule)
Gross rent multiplier
Operating expense ratio
Break-even occupancy
Comparables
Same ZIP. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| single_family | 3 | 2 | 1,000 | $3,000 | 2026-08-21 | — | |
| single_family | 3 | 1 | 1,160 | $2,700 | 2026-05-26 | — | |
| single_family | 3 | 2 | 1,201 | $3,500 | 2026-05-15 | — | |
| single_family | 3 | 2 | 1,000 | $3,000 | 2026-08-24 | — | |
| single_family | 3 | 3 | 1,364 | $6,000 | 2025-04-30 | — | |
| single_family | 3 | 3 | 1,288 | $3,000 | — | — | |
| single_family | 3 | 2 | 1,010 | $3,200 | — | — | |
| single_family | 3 | 2 | 1,288 | $3,300 | 2026-07-30 | — | |
| single_family | 3 | 1 | 1,009 | $3,200 | 2026-06-26 | — | |
| single_family | 3 | 1 | 836 | $2,850 | 2026-08-13 | — |
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.
| Address | Type | Beds | Baths | Living sqft | Sale price | Sale date |
|---|---|---|---|---|---|---|
| 12210 NW 10th Ave | single_family | 3 | 2 | 1,415 | $525,000 | 2026-08-28 |
| 5948111005 | single_family | 3 | 2 | 1,016 | $290,000 | 2026-08-27 |
| 801 Opa Locka Blvd | single_family | 3 | 1 | 1,215 | $465,000 | 2026-08-18 |
| 500 NW 120th St | single_family | 3 | 2 | 1,664 | $325,000 | 2026-08-14 |
| 65 NW 107th St | single_family | 3 | 2 | 2,140 | $1,230,000 | 2026-08-12 |
| 440 NW 125th St | single_family | 3 | 3 | 2,447 | $700,000 | 2026-08-11 |
| 850 NW 113th St | single_family | 3 | 1 | 1,206 | $500,000 | 2026-08-11 |
| 491 NW 108th Ter | single_family | 3 | 2 | 1,326 | $522,500 | 2026-08-10 |
| 125 NW 122nd St | single_family | 3 | 1 | 985 | $650,000 | 2026-08-05 |
| 1160 NW 118th St | single_family | 3 | 1 | 1,513 | $440,000 | 2026-08-04 |
| 13550 NW 5th Ave | single_family | 3 | 2 | 2,420 | $675,000 | 2026-08-03 |
| 827 NW 114th St | single_family | 3 | 2 | 1,369 | $535,000 | 2026-07-24 |
| 1120 NW 143rd St | single_family | 3 | 2 | 1,395 | $315,000 | 2026-07-17 |
| 75 NW 125th St | single_family | 3 | 2 | 1,064 | $539,000 | 2026-07-16 |
| 579 NW 119th St | single_family | 3 | 1 | 1,226 | $410,000 | 2026-07-14 |
| 860 NW 115th St | single_family | 3 | 1 | 1,292 | $250,000 | 2026-07-12 |
| 12755 NW 1st Ave | single_family | 3 | 2 | 1,363 | $570,000 | 2026-07-09 |
| 600 NW 108th Ter | single_family | 3 | 2 | 1,181 | $525,000 | 2026-07-08 |
| 13720 NW 4th Ct | single_family | 3 | 2 | 1,075 | $530,000 | 2026-07-02 |
| 79 NW 143rd St | single_family | 3 | 2 | 1,908 | $579,000 | 2026-07-02 |
| 271 NW 143rd St | single_family | 3 | 2 | 1,433 | $650,000 | 2026-06-24 |
| 540 NW 108th St | single_family | 3 | 2 | 1,152 | $435,000 | 2026-06-18 |
| 130 NW 124th St | single_family | 3 | 2 | 1,726 | $510,000 | 2026-06-15 |
| 1080 NW 135th St | single_family | 3 | 2 | 1,115 | $460,000 | 2026-06-03 |
| 415 NW 133rd St | single_family | 3 | 2 | 1,625 | $700,000 | 2026-05-29 |
| 14250 NW 5th Ave | single_family | 3 | 2 | 1,665 | $405,000 | 2026-05-29 |
| 125 NW 121st St | single_family | 3 | 1 | 1,141 | $415,000 | 2026-05-28 |
| 5 NW 107th St | single_family | 3 | 2 | 1,276 | $975,000 | 2026-05-19 |
| 11610 NW 11th Ave | single_family | 3 | 2 | 1,684 | $529,000 | 2026-05-11 |
| 14001 NW 10th Ave | single_family | 3 | 2 | 1,377 | $635,000 | 2026-04-22 |
| 260 NW 119th St | single_family | 3 | 1 | 988 | $580,000 | 2026-04-22 |
| 1110 NW 129th St | single_family | 3 | 1 | 1,000 | $476,000 | 2026-04-10 |
| 1005 NW 123rd St | single_family | 3 | 2 | 1,269 | $440,000 | 2026-04-08 |
| 14620 NW 12th Ave | single_family | 3 | 2 | 1,700 | $475,000 | 2026-04-08 |
| 12060 NW 1st Ct | single_family | 3 | 2 | 1,492 | $650,000 | 2026-04-02 |
| 11220 NW 12th Ave | single_family | 3 | 2 | 1,218 | $515,000 | 2026-04-01 |
| 350 NW 119th St | single_family | 3 | 1 | 1,310 | $480,000 | 2026-03-23 |
| 12030 N Miami Ave | single_family | 3 | 1 | 1,197 | $440,000 | 2026-03-20 |
| 745 NW 140th St | single_family | 3 | 2 | 1,110 | $615,000 | 2026-03-17 |
| 975 NW 134th St | single_family | 3 | 2 | 1,164 | $466,900 | 2026-03-16 |
| 11 NW 117th St | single_family | 3 | 2 | 1,203 | $580,000 | 2026-03-12 |
| 175 NW 125th St | single_family | 3 | 1 | 1,868 | $700,000 | 2026-03-11 |
| 535 NW 117th St | single_family | 3 | 1 | 1,234 | $470,000 | 2026-03-09 |
| 911 NW 142nd St | single_family | 3 | 2 | 1,361 | $499,000 | 2026-03-06 |
| 550 NW 143rd St | single_family | 3 | 2 | 1,860 | $687,000 | 2026-02-26 |
| 1100 Opa Locka Blvd | single_family | 3 | 2 | 1,198 | $475,000 | 2026-02-23 |
| 14350 N Miami Ave | single_family | 3 | 3 | 1,306 | $490,000 | 2026-02-20 |
| 485 NW 132nd St | single_family | 3 | 2 | 1,334 | $590,000 | 2026-02-13 |
| 13125 NW 2nd Ave | single_family | 3 | 1 | 1,380 | $311,400 | 2026-02-12 |
| 13150 NW 10th Ave | single_family | 3 | 2 | 1,385 | $462,000 | 2026-02-12 |
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.
| Address | Type | Beds | Baths | Sqft | Asking price | Days on market |
|---|---|---|---|---|---|---|
| 220 NW 144th St | single_family | 3 | 2 | 1,181 | $669,000 | — |
| 1070 NW 147th St | single_family | 3 | 2 | 1,060 | $500,000 | — |
| 215 NW 117th St | single_family | 3 | 2 | 1,220 | $488,000 | — |
| 760 NW 118th St | single_family | 3 | 2 | 1,030 | $510,000 | — |
| 845 NW 144th St | single_family | 3 | 2 | 1,761 | $500,000 | — |
| 161 NW 145th St | single_family | 3 | 2 | 1,059 | $710,000 | — |
| 13301 NW Miami Ct | single_family | 3 | 2 | 1,542 | $590,000 | — |
| 580 NW 116th Ter | single_family | 3 | 2 | 1,109 | $519,000 | — |
10-year hold projection
IRR-2.2%
Equity multiple0.63x
Total return (10yr)$23,920
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $642,720 | $11,772 | -$28,584 | $493,788 | $148,932 |
| 2 | $662,002 | $12,237 | -$28,165 | $488,004 | $173,998 |
| 3 | $681,862 | $12,720 | -$27,730 | $481,822 | $200,039 |
| 4 | $702,318 | $13,219 | -$27,280 | $475,217 | $227,101 |
| 5 | $723,387 | $13,737 | -$26,812 | $468,157 | $255,230 |
| 6 | $745,089 | $14,273 | -$26,328 | $460,613 | $284,476 |
| 7 | $767,441 | $14,828 | -$25,825 | $452,551 | $314,890 |
| 8 | $790,465 | $15,403 | -$25,304 | $443,935 | $346,530 |
| 9 | $814,178 | $15,998 | -$24,764 | $434,728 | $379,451 |
| 10 | $838,604 | $16,615 | -$24,204 | $424,888 | $413,716 |
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.