4330 NW 203rd Ter
Miami Gardens, FL 33055 · single_family · For Sale · 15 days on market
Asking price$710,000
5 beds 3 baths 2,178 sqft
Suggested offer$691,274$18,726 above the est. market value of $691,274.
View on Realtor.com →Listed by Juan Cardozo Urdaneta · Canvas Real Estate
Typesingle_family
Built1972
Price / sqft$326
Est. value (own analysis)$691,274
Rent estimate (own analysis)$3,990/mo
HOANone
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Statusfor_sale
Listed date2026-08-18
Removed date—
MLSMiamiMLS #A12064953
Coordinates25.95845, -80.27268
Address4330 NW 203rd Ter
CityMiami Gardens
StateFL
Zip33055
Listing ID5185068088
Sourceus-real-estate-listings, cached 2026-08-28
ZIP market snapshot (33055)
Typical home value (ZHVI)$504,739
Typical rent (ZORI)$3,196/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 | $710,000 |
| Down payment (20.0%) | $142,000 |
| Loan amount | $568,000 |
| Closing costs (5.0%) | $35,500 |
| Total cash to close | $177,500 |
| Income | |
| Rent (comp-derived) | $3,990$47,880 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,671$44,050 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,124$13,490 |
| Insurance (placeholder 0.8% of price) | $473$5,680 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $200$2,394 |
| Total operating expenses | $1,797$21,564 |
| 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) | $200$2,394 |
| 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
Widened to city-wide. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| single_family | 5 | 2 | 1,720 | $2,995 | 2026-07-12 | — | |
| single_family | 5 | 3 | 1,468 | $3,680 | 2026-05-29 | — | |
| single_family | 5 | 3 | 2,118 | $4,500 | 2026-08-27 | — | |
| single_family | 5 | 2 | 1,491 | $4,300 | 2026-08-26 | — |
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 |
|---|---|---|---|---|---|---|
| 4513 NW 203rd Ter | single_family | 5 | 2 | 1,608 | $685,000 | 2026-08-31 |
| 19100 NW 51st Ave | single_family | 5 | 2 | 2,010 | $610,000 | 2026-08-07 |
| 18620 NW 47th Ct | single_family | 5 | 3 | 1,738 | $685,000 | 2026-07-10 |
| 4231 NW 172nd Dr | single_family | 5 | 3 | 2,830 | $450,000 | 2026-06-24 |
| 4420 NW 168th Ter | single_family | 5 | 4 | 2,462 | $660,000 | 2026-06-02 |
| 19602 NW 37th Ct | single_family | 5 | 3 | 1,658 | $690,000 | 2026-04-14 |
| 17130 NW 51st Pl | single_family | 5 | 3 | 2,237 | $710,000 | 2026-04-07 |
| 4480 NW 201st St | single_family | 5 | 3 | 1,896 | $690,000 | 2026-04-06 |
| 5020 NW 170th St | single_family | 5 | 3 | 1,012 | $658,500 | 2026-03-27 |
| 18701 NW 39th Ct | single_family | 5 | 3 | 2,527 | $500,000 | 2026-03-06 |
| 20352 NW 39th Ct | single_family | 5 | 1 | 2,160 | $376,000 | 2026-02-27 |
| 18600 NW 42nd Pl | single_family | 5 | 3 | 1,645 | $560,000 | 2025-12-02 |
| 4720 NW 179th St | single_family | 5 | 2 | 2,399 | $650,000 | 2025-11-18 |
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 |
|---|---|---|---|---|---|---|
| 4450 NW 169th Ter | single_family | 5 | 3 | — | $699,900 | — |
| 20501 NW 44th Ct | single_family | 5 | 3 | 1,793 | $669,900 | — |
| 17301 NW 47th Ave | single_family | 5 | 2 | 1,753 | $699,000 | — |
| 17120 NW 43rd Ct | single_family | 5 | 2 | 2,737 | $600,000 | — |
| single_family | 5 | 4 | 2,890 | $570,000 | — | |
| 19200 NW 44th Ave | single_family | 5 | 2 | 2,233 | $634,999 | — |
| 20630 NW 37th Ct | single_family | 5 | 3 | 1,688 | $560,000 | — |
| 4513 NW 203rd Ter | single_family | 5 | 2 | 1,608 | $680,000 | — |
10-year hold projection
IRR1.2%
Equity multiple1.19x
Total return (10yr)$127,289
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $731,300 | $22,486 | -$23,710 | $561,842 | $169,458 |
| 2 | $753,239 | $23,268 | -$22,987 | $555,260 | $197,979 |
| 3 | $775,836 | $24,077 | -$22,240 | $548,227 | $227,609 |
| 4 | $799,111 | $24,912 | -$21,467 | $540,711 | $258,400 |
| 5 | $823,085 | $25,776 | -$20,668 | $532,679 | $290,406 |
| 6 | $847,777 | $26,668 | -$19,842 | $524,095 | $323,682 |
| 7 | $873,210 | $27,590 | -$18,988 | $514,921 | $358,289 |
| 8 | $899,407 | $28,543 | -$18,105 | $505,118 | $394,289 |
| 9 | $926,389 | $29,527 | -$17,191 | $494,641 | $431,748 |
| 10 | $954,181 | $30,544 | -$16,247 | $483,445 | $470,735 |
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.