955 NW 128th Ct
Miami, FL 33182 · single_family · For Sale · 71 days on market
Asking price$710,000
3 beds 2 baths 1,576 sqft
Suggested offer$601,745$108,255 above the est. market value of $601,745.
View on Realtor.com →Listed by Louis Tamayo · Grass Tamayo Real Estate Group LLC
Typesingle_family
Built1989
Price / sqft$451
Est. value (own analysis)$601,745
Rent estimate (own analysis)$3,800/mo
HOANone
Wind10/10Extreme$Wildfire5/10MajorAir2/10MinorFlood1/10minimal$
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Statusfor_sale
Listed date2026-06-23
Removed date—
MLSMiamiMLS #A12037998
Coordinates25.77880, -80.40349
Address955 NW 128th Ct
CityMiami
StateFL
Zip33182
Listing ID5434838955
Sourceus-real-estate-listings, cached 2026-09-02
ZIP market snapshot (33182)
Typical home value (ZHVI)$670,298
Typical rent (ZORI)$3,347/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) | $3,800$45,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,496$41,952 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,124$13,490 |
| Insurance (est. scaled by flood & wind risk) | $710$8,520 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $190$2,280 |
| Total operating expenses | $2,024$24,290 |
| 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) | $190$2,280 |
| 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 | 1,786 | $3,800 | 2026-08-21 | — | |
| single_family | 3 | 2 | 2,056 | $3,300 | 2026-07-03 | — | |
| single_family | 3 | 2 | 1,645 | $4,350 | 2026-06-30 | — | |
| single_family | 3 | 2 | 1,642 | $3,600 | — | — | |
| single_family | 3 | 2 | 1,582 | $4,000 | 2026-09-01 | — |
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 |
|---|---|---|---|---|---|---|
| 520 NW 132nd Ct | single_family | 3 | 2 | 1,744 | $720,000 | 2026-08-27 |
| 12718 NW 6th Ln | single_family | 3 | 3 | 1,569 | $725,000 | 2026-08-24 |
| 12304 NW 8th Ter | single_family | 3 | 2 | 1,607 | $629,000 | 2026-08-14 |
| 840 NW 134th Ave | single_family | 3 | 3 | 1,575 | $850,000 | 2026-08-03 |
| 12682 NW 7th Way | single_family | 3 | 2 | 1,290 | $550,000 | 2026-08-03 |
| 12931 NW 7th Ln | single_family | 3 | 3 | 2,762 | $850,000 | 2026-07-30 |
| 12701 NW 9th St | single_family | 3 | 2 | 2,031 | $775,000 | 2026-07-13 |
| 1163 NW 134th Pl | single_family | 3 | 2 | 1,708 | $715,000 | 2026-07-13 |
| 1090 NW 128th Ct | single_family | 3 | 2 | 1,782 | $620,000 | 2026-07-13 |
| 725 NW 123rd Ave | single_family | 3 | 2 | 1,273 | $508,000 | 2026-06-30 |
| 150 NW 130th Ave | single_family | 3 | 2 | 1,820 | $1,405,000 | 2026-06-30 |
| 13285 NW 11th St | single_family | 3 | 2 | 2,180 | $740,000 | 2026-06-26 |
| 13226 NW 5th Ter | single_family | 3 | 2 | 1,249 | $630,000 | 2026-06-25 |
| 706 NW 135th Ct | single_family | 3 | 2 | 1,524 | $710,000 | 2026-06-18 |
| 1013 NW 132nd Ave W | single_family | 3 | 2 | 1,501 | $625,000 | 2026-06-16 |
| 656 NW 129th Pl | single_family | 3 | 3 | 2,433 | $755,000 | 2026-06-01 |
| 892 NW 136th Pl | single_family | 3 | 2 | 1,530 | $950,000 | 2026-04-22 |
| 752 NW 134th Ave | single_family | 3 | 2 | 1,498 | $690,000 | 2026-04-07 |
| 1062 NW 133rd Ave | single_family | 3 | 2 | 1,940 | $560,000 | 2026-04-02 |
| 933 NW 133rd Ct | single_family | 3 | 2 | 1,785 | $650,000 | 2026-03-30 |
| 1038 NW 136th Ct | single_family | 3 | 2 | 1,816 | $690,000 | 2026-03-27 |
| 12787 NW 10th Ln | single_family | 3 | 2 | 1,604 | $650,000 | 2026-03-19 |
| 13391 NW 7th Ter | single_family | 3 | 2 | 1,364 | $600,000 | 2026-03-13 |
| 13230 NW 11th Ter | single_family | 3 | 2 | 1,940 | $770,000 | 2026-03-12 |
| 20 NW 130th Ave | single_family | 3 | 3 | 4,603 | $1,500,000 | 2026-03-11 |
| 957 NW 132nd Ave W | single_family | 3 | 2 | 1,650 | $630,000 | 2026-03-09 |
| 1067 NW 135th Ct | single_family | 3 | 2 | 2,317 | $660,000 | 2026-03-06 |
| 13379 NW 3rd Ter | single_family | 3 | 2 | 1,272 | $625,000 | 2026-02-25 |
| 982 NW 133rd Ct | single_family | 3 | 2 | 1,645 | $712,000 | 2026-02-17 |
| 13312 NW 1st Ter | single_family | 3 | 2 | 1,775 | $595,000 | 2026-02-02 |
| 13312 NW 1st Ter | single_family | 3 | 2 | 1,775 | $595,000 | 2026-01-27 |
| 1060 NW 128th Ct | single_family | 3 | 2 | 1,632 | $615,000 | 2026-01-23 |
| 1052 NW 127th Path | single_family | 3 | 2 | 1,647 | $615,000 | 2026-01-02 |
| 13021 NW 11th Ter | single_family | 3 | 3 | 2,251 | $720,000 | 2025-12-18 |
| 13395 NW 10th Ter | single_family | 3 | 2 | 1,576 | $700,000 | 2025-12-16 |
| 274 NW 132nd Pl | single_family | 3 | 2 | 1,249 | $560,000 | 2025-12-16 |
| 862 NW 132nd Ct | single_family | 3 | 2 | 2,314 | $690,000 | 2025-12-03 |
| 1061 NW 128th Ave | single_family | 3 | 2 | 1,788 | $680,000 | 2025-11-26 |
| 12930 NW 8th St | single_family | 3 | 3 | 1,915 | $715,000 | 2025-11-21 |
| 12663 NW 8th Way | single_family | 3 | 3 | 1,690 | $579,000 | 2025-10-14 |
| 12692 NW 8th Trl | single_family | 3 | 3 | 1,582 | $565,000 | 2025-10-14 |
| 12350 NW 7th Trl | single_family | 3 | 2 | 1,856 | $595,000 | 2025-10-08 |
| 1070 NW 129th Pl | single_family | 3 | 2 | 1,656 | $672,500 | 2025-10-02 |
| 767 NW 122nd Pl | single_family | 3 | 2 | 1,607 | $580,000 | 2025-09-19 |
| 772 NW 135th Ct | single_family | 3 | 2 | 1,633 | $750,000 | 2025-09-19 |
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 |
|---|---|---|---|---|---|---|
| 1045 NW 126th Pl | single_family | 3 | 3 | 1,582 | $539,000 | — |
| 892 NW 131st Ave | single_family | 3 | 3 | 2,762 | $999,999 | — |
| 12423 NW 7th Ln | townhomes | 3 | 3 | 1,490 | $520,000 | — |
| 520 NW 132nd Ct | single_family | 3 | 2 | 1,744 | $699,900 | — |
| 12948 NW 10th St | single_family | 3 | 3 | 2,314 | $819,000 | — |
| 1030 NW 123rd Ct Unit 706 | condos | 3 | 3 | 1,240 | $475,000 | — |
| 854 NW 132nd Ct | single_family | 3 | 3 | 2,275 | $964,500 | — |
| 1187 NW 123rd Pl | condos | 3 | 3 | 1,240 | $439,000 | — |
10-year hold projection
IRR-0.6%
Equity multiple0.89x
Total return (10yr)$73,980
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $731,300 | $17,662 | -$28,419 | $561,842 | $169,458 |
| 2 | $753,239 | $18,313 | -$27,825 | $555,260 | $197,979 |
| 3 | $775,836 | $18,987 | -$27,210 | $548,227 | $227,609 |
| 4 | $799,111 | $19,684 | -$26,572 | $540,711 | $258,400 |
| 5 | $823,085 | $20,406 | -$25,912 | $532,679 | $290,406 |
| 6 | $847,777 | $21,152 | -$25,229 | $524,095 | $323,682 |
| 7 | $873,210 | $21,924 | -$24,522 | $514,921 | $358,289 |
| 8 | $899,407 | $22,722 | -$23,789 | $505,118 | $394,289 |
| 9 | $926,389 | $23,549 | -$23,031 | $494,641 | $431,748 |
| 10 | $954,181 | $24,403 | -$22,246 | $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.