5030 SW 149th Pl

Miami, FL 33185 · single_family · For Sale · 50 days on market
Asking price$650,000
3 beds 2 baths 1,764 sqft
View on Realtor.com →
Listed by Julio C Garabito · Leon Realty Group LLC
Typesingle_family
Built1982
Price / sqft$368
Est. value (own analysis)$669,350
Rent estimate (own analysis)$3,685/mo
HOA$151/mo
Wind10/10Extreme$Heat10/10ExtremeFlood8/10severe$Wildfire5/10MajorAir2/10Minor
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Neighborhood

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Statusfor_sale
Listed date2026-07-14
Removed date
MLSMiamiMLS #A12053117
Coordinates25.71805, -80.43404
Address5030 SW 149th Pl
CityMiami
StateFL
Zip33185
Listing ID5145557965
Sourceus-real-estate-listings, cached 2026-09-02

ZIP market snapshot (33185)

Typical home value (ZHVI)$677,356
Typical rent (ZORI)$3,519/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$650,000
Down payment (20.0%)$130,000
Loan amount$520,000
Closing costs (5.0%)$32,500
Total cash to close$162,500
Rent (comp-derived)$3,685$44,220
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$44,220
Vacancy rate (assumption) assumption8.0%

$44,220 × 8.0% = $3,538

Effective gross income$3,390$40,682
Property tax (placeholder 1.9% of price)$1,029$12,350
Insurance (est. scaled by flood & wind risk)$845$10,140
HOA dues$151$1,812
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$184$2,211
Total operating expenses$2,209$26,513
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$40,682
Total operating expenses derived$26,513

$40,682 − $26,513 = $14,169

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$520,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$520,000 amortized at 6.7% over 30 years = $3,342/mo

CapEx reserve (5.0% of GSR)$184$2,211
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$14,169
Annual debt service derived$40,100
Annual CapEx reserve assumption$2,211
Annual PMI assumption$0

($14,169 − $40,100 − $2,211 − $0) ÷ 12 = -$2,345

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$14,169
Purchase price data$650,000

$14,169 ÷ $650,000 = 2.2%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$28,142
Total cash to close derived$162,500

-$28,142 ÷ $162,500 = -17.3%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$14,169
Annual debt service derived$40,100

$14,169 ÷ $40,100 = 0.35

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$44,220
Purchase price data$650,000

($44,220 ÷ 12) ÷ $650,000 = 0.6%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$650,000
Gross scheduled rent (annual) comp$44,220

$650,000 ÷ $44,220 = 14.7

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$26,513
Effective gross income derived$40,682

$26,513 ÷ $40,682 = 65.2%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$26,513
Annual debt service derived$40,100
Annual PMI assumption$0
Gross scheduled rent (annual) comp$44,220

($26,513 + $40,100 + $0) ÷ $44,220 = 150.6%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family332,104$3,500
single_family321,736$4,8002026-08-20
single_family322,039$3,8002026-08-17
single_family321,485$3,8002026-08-15
single_family321,622$3,4502026-08-12
single_family321,591$3,8002026-07-22
single_family331,570$3,9002026-07-17
single_family331,464$3,199
single_family322,021$4,2002026-06-25
single_family321,525$3,5002026-06-16
single_family331,815$3,8002026-05-16
single_family321,619$2,995
single_family332,076$3,435
single_family321,706$3,570
single_family331,946$3,160
single_family321,758$3,515
single_family321,582$3,8002026-08-22
single_family321,485$3,800
single_family321,485$3,800
single_family321,525$3,500

4276 SW 166th Ct # 1

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage2,104
Listed
Days on market

Asking rent: $3,500

View on Zillow →

14872 SW 32nd Ln Unit 14872

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,736
Listed2026-08-20
Days on market

Asking rent: $4,800

View on Zillow →

14974 SW 18th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage2,039
Listed2026-08-17
Days on market

Asking rent: $3,800

View on Zillow →

2296 SW 156th Ct Unit 2296

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,485
Listed2026-08-15
Days on market

Asking rent: $3,800

View on Zillow →

16263 SW 55th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,622
Listed2026-08-12
Days on market

Asking rent: $3,450

View on Zillow →

14845 SW 36th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,591
Listed2026-07-22
Days on market

Asking rent: $3,800

View on Zillow →

15355 SW 39th Ln Unit 0

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,570
Listed2026-07-17
Days on market

Asking rent: $3,900

View on Zillow →

14738 SW 23rd St # 14738

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,464
Listed
Days on market

Asking rent: $3,199

View on Zillow →

15630 SW 46th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage2,021
Listed2026-06-25
Days on market

Asking rent: $4,200

View on Zillow →

16355 SW 46th Ter Unit 16355

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,525
Listed2026-06-16
Days on market

Asking rent: $3,500

View on Zillow →

4668 SW 153rd Ct

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,815
Listed2026-05-16
Days on market

Asking rent: $3,800

View on Zillow →

2547 SW 147th Path

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,619
Listed
Days on market

Asking rent: $2,995

View on Zillow →

16349 SW 50th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage2,076
Listed
Days on market

Asking rent: $3,435

View on Zillow →

15308 SW 53rd St

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,706
Listed
Days on market

Asking rent: $3,570

View on Zillow →

4025 SW 149th Ct

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,946
Listed
Days on market

Asking rent: $3,160

View on Zillow →

15551 SW 21st Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,758
Listed
Days on market

Asking rent: $3,515

View on Zillow →

15957 SW 54th Ter

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,582
Listed2026-08-22
Days on market

Asking rent: $3,800

View on Zillow →

2296 SW 156th Ct # 0

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,485
Listed
Days on market

Asking rent: $3,800

View on Zillow →

2296 SW 156th Ct # Fl33185

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,485
Listed
Days on market

Asking rent: $3,800

View on Zillow →

16355 SW 46th Ter # 0

Miami, 33185 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,525
Listed
Days on market

Asking rent: $3,500

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
5502 SW 162nd Plsingle_family332,467$700,0002026-08-24
4260 SW 150th Avesingle_family321,476$595,0002026-08-24
3461 SW 154th Ctsingle_family321,511$625,0002026-08-18
14863 SW 35th Lnsingle_family321,594$720,0002026-08-18
15552 SW 54th Tersingle_family322,411$525,0002026-08-10
4449 SW 164th Pathsingle_family321,490$695,0002026-08-03
16426 SW 48th Tersingle_family331,753$555,0002026-07-31
4260 SW 153rd Plsingle_family321,443$750,0002026-07-23
15552 SW 48th Stsingle_family322,411$675,0002026-07-16
4402 SW 162nd Plsingle_family322,054$650,0002026-07-06
4687 SW 153rd Ctsingle_family321,829$650,0002026-06-25
15045 SW 38th Tersingle_family322,612$1,175,1002026-06-17
4520 SW 154th Ctsingle_family322,231$697,5002026-06-11
14961 SW 30th Tersingle_family321,546$742,5002026-06-02
15449 SW 35th Tersingle_family321,632$638,0002026-05-26
4500 SW 154th Plsingle_family322,133$615,0002026-05-15
4231 SW 165th Ctsingle_family331,938$577,0002026-05-13
4917 SW 154th Avesingle_family321,392$650,5002026-05-13
15244 SW 29th Tersingle_family332,997$860,0002026-05-01
15474 SW 32nd Tersingle_family321,511$565,0002026-04-29
14833 SW 35th Lnsingle_family321,532$700,0002026-04-09
14970 SW 46th Tersingle_family322,283$699,0002026-03-26
15320 SW 53rd Stsingle_family321,395$500,0002026-03-25
15750 SW 45th Stsingle_family322,306$875,0002026-03-24
3834 SW 149th Plsingle_family321,618$699,0002026-03-18
4333 SW 148th Ctsingle_family331,406$595,0002026-03-13
15071 SW 44th Tersingle_family332,669$805,0002026-03-06
14737 SW 52nd Tersingle_family322,041$600,0002026-01-02
16507 SW 52nd Stsingle_family321,744$500,0002025-12-29
16637 SW 52nd Stsingle_family321,878$705,0002025-12-18
15430 SW 47th Stsingle_family331,985$760,0002025-12-08
5235 SW 153rd Avesingle_family331,730$699,9002025-11-04
5126 SW 165th Avesingle_family331,744$760,0002025-10-03
5432 SW 150th Plsingle_family321,821$691,0002025-09-29
5521 SW 158th Ctsingle_family321,608$620,0002025-09-22
4032 SW 154th Ctsingle_family322,041$700,0002025-09-18
3472 SW 156th Ctsingle_family321,511$680,0002025-09-15
14945 SW 38th Stsingle_family321,534$660,0002025-09-04

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
4844 SW 152nd Ct Unit F37condos321,070$429,990
15416 SW 50th Tersingle_family321,392$595,000
4261 SW 164th Cttownhomes331,488$575,000
single_family332,382$997,500
15462 SW 39th Stsingle_family332,229$779,900
15819 SW 54th Tersingle_family321,627$650,000
15355 SW 39th Lnsingle_family331,570$749,900
15065 SW 49th Ln Apt Fcondos321,070$414,900

10-year hold projection

IRR-1.5%
Equity multiple0.75x
Total return (10yr)$44,528
YearProperty valueNOICash flowLoan balanceEquity
1$669,500$14,169-$28,142$514,362$155,138
2$689,585$14,727-$27,639$508,337$181,248
3$710,273$15,305-$27,118$501,898$208,374
4$731,581$15,903-$26,578$495,017$236,564
5$753,528$16,523-$26,017$487,663$265,865
6$776,134$17,165-$25,436$479,805$296,329
7$799,418$17,830-$24,834$471,407$328,011
8$823,401$18,519-$24,210$462,432$360,969
9$848,103$19,232-$23,562$452,841$395,262
10$873,546$19,970-$22,891$442,591$430,955
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.