3125 SW 108th Ave
Miami, FL 33165 · single_family · For Sale · 36 days on market
Asking price$1,195,000
5 beds 5 baths 2,419 sqft
Suggested offer$947,450$247,550 above the est. market value of $947,450.
View on Realtor.com →Listed by Rodolfo Rodriguez · The Canero Group
Typesingle_family
Built1978
Price / sqft$494
Est. value (own analysis)$947,450
Rent estimate (own analysis)$4,500/mo
HOANone
1 / 35
Show every detail
Statusfor_sale
Listed date2026-07-28
Removed date—
MLSMiamiMLS #A12060208
Coordinates25.74019, -80.36950
Address3125 SW 108th Ave
CityMiami
StateFL
Zip33165
Listing ID5286285536
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33165)
Typical home value (ZHVI)$684,538
Typical rent (ZORI)$3,219/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 | $1,195,000 |
| Down payment (20.0%) | $239,000 |
| Loan amount | $956,000 |
| Closing costs (5.0%) | $59,750 |
| Total cash to close | $298,750 |
| Income | |
| Rent (comp-derived) | $4,500$54,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,140$49,680 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,892$22,705 |
| Insurance (placeholder 0.8% of price) | $797$9,560 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $225$2,700 |
| Total operating expenses | $2,914$34,965 |
| 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) | $225$2,700 |
| 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 | 5 | 2 | 1,598 | $5,000 | 2026-08-11 | — | |
| single_family | 5 | 2 | 1,729 | $3,950 | 2026-07-10 | — | |
| single_family | 5 | 3 | 2,369 | $4,250 | 2023-04-07 | — | |
| single_family | 5 | 3 | 2,719 | $4,750 | — | — |
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 |
|---|---|---|---|---|---|---|
| 3840 SW 91st Ave | single_family | 5 | 1 | 1,057 | $750,000 | 2026-08-14 |
| 3500 SW 111th Ave | single_family | 5 | 4 | 3,308 | $1,410,000 | 2026-08-11 |
| 3345 SW 109th Ct | single_family | 5 | 5 | 2,592 | $1,000,000 | 2026-08-10 |
| 2901 SW 92nd Ave | single_family | 5 | 2 | 1,704 | $680,000 | 2026-07-30 |
| 4820 SW 112th Ave | single_family | 5 | 3 | 2,564 | $806,000 | 2026-07-23 |
| 9832 SW 27th Ter | single_family | 5 | 3 | 2,252 | $795,000 | 2026-07-13 |
| 4901 SW 101st Ave | single_family | 5 | 3 | 2,767 | $1,100,000 | 2026-07-08 |
| 3024 SW 98th Ct | single_family | 5 | 5 | 3,222 | $1,170,000 | 2026-06-16 |
| 2775 SW 101st Ct | single_family | 5 | 5 | 3,132 | $1,300,000 | 2026-06-02 |
| 11430 SW 41st Ter | single_family | 5 | 3 | 2,154 | $550,000 | 2026-06-01 |
| 11351 SW 52nd Ter | single_family | 5 | 4 | 1,599 | $950,000 | 2026-05-01 |
| 9825 SW 54th St | single_family | 5 | 4 | 1,877 | $692,000 | 2026-04-17 |
| 4140 SW 108th Ave | single_family | 5 | 4 | 2,190 | $935,000 | 2026-03-27 |
| 4805 SW 112th Ave | single_family | 5 | 3 | 2,610 | $825,000 | 2026-03-16 |
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 |
|---|---|---|---|---|---|---|
| 4621 SW 104th Ct | single_family | 5 | 4 | 2,058 | $712,000 | — |
| 3538 SW 87th Ct | single_family | 5 | 3 | 1,586 | $790,000 | — |
| 4151 SW 112th Ct | single_family | 5 | 2 | 1,980 | $750,000 | — |
| 2610 SW 112th Ct | single_family | 5 | 4 | 3,346 | $1,450,000 | — |
| 10795 SW 34th St | single_family | 5 | 3 | 2,683 | $2,499,000 | — |
| multi_family | 5 | 3 | 2,094 | $799,900 | — | |
| 2605 SW 115th Ave | single_family | 5 | 5 | 4,795 | $1,999,000 | — |
| 10755 SW 52nd Ter | single_family | 5 | 7 | 3,242 | $1,995,000 | — |
10-year hold projection
IRR-3.9%
Equity multiple0.36x
Total return (10yr)-$36,378
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,230,850 | $14,715 | -$61,707 | $945,635 | $285,215 |
| 2 | $1,267,776 | $15,331 | -$61,158 | $934,558 | $333,218 |
| 3 | $1,305,809 | $15,970 | -$60,588 | $922,720 | $383,088 |
| 4 | $1,344,983 | $16,633 | -$59,997 | $910,070 | $434,913 |
| 5 | $1,385,333 | $17,320 | -$59,382 | $896,551 | $488,782 |
| 6 | $1,426,892 | $18,033 | -$58,744 | $882,103 | $544,789 |
| 7 | $1,469,699 | $18,772 | -$58,081 | $866,663 | $603,036 |
| 8 | $1,513,790 | $19,538 | -$57,394 | $850,164 | $663,627 |
| 9 | $1,559,204 | $20,332 | -$56,680 | $832,531 | $726,673 |
| 10 | $1,605,980 | $21,155 | -$55,939 | $813,687 | $792,293 |
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.