1258 NE 109th St
Miami, FL 33161 · single_family · For Sale · 58 days on market
Asking price$648,995
3 beds 2 baths 1,861 sqft
Listed by Dilma Monteiro · Willis Wilson & Associates
Typesingle_family
Built1954
Price / sqft$349
Est. value (own analysis)$838,399
Rent estimate (own analysis)$5,250/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood8/10severe$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-07-06
Removed date—
MLSMiamiMLS #A12047292
Coordinates25.87550, -80.17237
Address1258 NE 109th St
CityMiami
StateFL
Zip33161
Listing ID5564458737
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33161)
Typical home value (ZHVI)$498,596
Typical rent (ZORI)$2,323/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 | $648,995 |
| Down payment (20.0%) | $129,799 |
| Loan amount | $519,196 |
| Closing costs (5.0%) | $32,450 |
| Total cash to close | $162,249 |
| Income | |
| Rent (comp-derived) | $5,250$63,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,830$57,960 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,028$12,331 |
| Insurance (est. scaled by flood & wind risk) | $844$10,124 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $263$3,150 |
| Total operating expenses | $2,134$25,605 |
| 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) | $263$3,150 |
| 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 | 1,706 | $3,800 | 2026-08-20 | — | |
| single_family | 3 | 2 | 1,594 | $6,500 | 2026-08-17 | — | |
| single_family | 3 | 2 | 2,052 | $8,200 | 2026-08-06 | — | |
| single_family | 3 | 2 | 1,520 | $4,999 | 2026-06-25 | — | |
| single_family | 3 | 2 | 1,602 | $12,000 | 2026-05-31 | — | |
| single_family | 3 | 2 | 1,588 | $5,950 | 2026-05-13 | — | |
| single_family | 3 | 2 | 2,302 | $6,900 | 2026-05-05 | — | |
| single_family | 3 | 2 | 1,500 | $5,500 | 2026-05-04 | — | |
| single_family | 3 | 2 | 1,740 | $6,950 | 2026-08-01 | — | |
| single_family | 3 | 2 | 1,764 | $2,900 | — | — | |
| single_family | 3 | 2 | 2,223 | $6,900 | — | — | |
| single_family | 3 | 2 | 1,640 | $5,000 | 2026-08-27 | — | |
| single_family | 3 | 2 | 1,592 | $5,500 | 2026-08-27 | — | |
| single_family | 3 | 2 | 1,542 | $3,250 | 2026-05-23 | — | |
| single_family | 3 | 1 | 1,250 | $3,300 | 2026-05-26 | — | |
| single_family | 3 | 2 | 1,960 | $8,500 | 2026-08-26 | — | |
| single_family | 3 | 2 | 1,468 | $5,950 | 2026-07-17 | — | |
| single_family | 3 | 3 | 1,579 | $5,950 | 2026-08-23 | — | |
| single_family | 3 | 3 | 1,500 | $4,200 | 2026-08-26 | — | |
| single_family | 3 | 1 | 1,224 | $4,900 | 2026-04-22 | — | |
| single_family | 3 | 2 | 1,761 | $8,500 | 2026-08-07 | — | |
| single_family | 3 | 2 | 1,887 | $7,500 | 2025-04-24 | — | |
| single_family | 3 | 3 | 1,654 | $6,000 | 2026-08-11 | — | |
| single_family | 3 | 14 | 1,328 | $4,950 | 2026-08-12 | — | |
| single_family | 3 | 2 | 1,661 | $3,900 | 2026-08-17 | — | |
| single_family | 3 | 2 | 1,430 | $3,650 | 2026-06-08 | — | |
| single_family | 3 | 2 | 1,612 | $4,000 | 2026-08-09 | — | |
| single_family | 3 | 2 | 1,450 | $3,550 | — | — | |
| single_family | 3 | 2 | 2,100 | $4,350 | — | — | |
| single_family | 3 | 2 | 1,275 | $2,800 | — | — | |
| single_family | 3 | 3 | 1,745 | $6,200 | — | — | |
| single_family | 3 | 3 | 1,579 | $5,990 | — | — | |
| single_family | 3 | 2 | 1,677 | $4,200 | — | — | |
| single_family | 3 | 2 | 1,482 | $3,600 | 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 |
|---|---|---|---|---|---|---|
| 101 NE 110th St | single_family | 3 | 2 | 1,691 | $1,115,000 | 2026-08-31 |
| 1390 NE 150th St | single_family | 3 | 2 | 900 | $510,000 | 2026-08-28 |
| 11534 NE 13th Ave | single_family | 3 | 2 | 1,662 | $700,000 | 2026-08-28 |
| 190 NE 121st Ter | single_family | 3 | 2 | 1,872 | $540,000 | 2026-08-27 |
| 50 NE 110th St | single_family | 3 | 2 | 1,822 | $1,240,000 | 2026-08-26 |
| 351 NE 117th St | single_family | 3 | 2 | 1,371 | $750,000 | 2026-08-26 |
| 1075 NE 120th St | single_family | 3 | 1 | 816 | $907,000 | 2026-08-26 |
| 870 NE 144th St | single_family | 3 | 2 | 1,282 | $550,000 | 2026-08-17 |
| 700 NE 118th St | single_family | 3 | 2 | 1,800 | $800,000 | 2026-08-13 |
| 730 NE 116th St | single_family | 3 | 4 | 2,789 | $1,399,000 | 2026-08-13 |
| 12660 Griffing Blvd | single_family | 3 | 2 | 1,954 | $870,000 | 2026-08-11 |
| 1335 NE 133rd St | single_family | 3 | 1 | 1,387 | $710,000 | 2026-08-06 |
| 842 NE 117th St | single_family | 3 | 2 | 1,668 | $712,500 | 2026-08-06 |
| 560 NE 110th Ter | single_family | 3 | 3 | 1,490 | $695,000 | 2026-08-05 |
| 286 NE 107th St | single_family | 3 | 2 | 2,030 | $1,080,000 | 2026-07-28 |
| 1080 NE 145th St | single_family | 3 | 1 | 1,330 | $530,000 | 2026-07-27 |
| 1100 NE 129th St | single_family | 3 | 2 | 2,050 | $440,000 | 2026-07-24 |
| 955 NE 128th St | single_family | 3 | 1 | 1,421 | $620,000 | 2026-07-20 |
| 895 NE 129th St | single_family | 3 | 1 | 1,245 | $655,000 | 2026-07-20 |
| 665 NE 117th St | single_family | 3 | 2 | 2,460 | $1,225,000 | 2026-07-15 |
| 1240 NE 131st St | single_family | 3 | 2 | 1,431 | $557,000 | 2026-07-15 |
| 2 NE 110th St | single_family | 3 | 2 | 2,056 | $920,000 | 2026-07-15 |
| 725 NE 144th St | single_family | 3 | 2 | 2,182 | $630,000 | 2026-07-13 |
| 1375 NE 130th St | single_family | 3 | 2 | 1,138 | $545,000 | 2026-07-10 |
| 120 NE 123rd St | single_family | 3 | 2 | 1,633 | $575,000 | 2026-07-09 |
| 269 NE 110th Ter | single_family | 3 | 2 | 1,452 | $540,000 | 2026-06-30 |
| 11400 NE 9th Ave | single_family | 3 | 2 | 1,761 | $1,010,000 | 2026-06-29 |
| 1110 NE 130th St | single_family | 3 | 2 | 1,369 | $722,000 | 2026-06-26 |
| 1430 NE 149th St | single_family | 3 | 2 | 1,384 | $723,000 | 2026-06-12 |
| 887 NE 145th St | single_family | 3 | 2 | 1,686 | $565,000 | 2026-06-12 |
| 1201 NE 144th St | single_family | 3 | 2 | 1,220 | $525,000 | 2026-06-12 |
| 1385 NE 130th St | single_family | 3 | 2 | 1,400 | $550,000 | 2026-06-12 |
| 430 NE 110th Ter | single_family | 3 | 2 | 1,010 | $415,000 | 2026-06-12 |
| 720 NE 117th St | single_family | 3 | 2 | 1,622 | $857,500 | 2026-06-10 |
| 795 NE 146th St | single_family | 3 | 2 | 1,294 | $550,000 | 2026-06-05 |
| 14715 N Spur Dr | single_family | 3 | 2 | 2,096 | $825,000 | 2026-05-29 |
| 950 NE 113th St | single_family | 3 | 2 | 1,884 | $1,062,000 | 2026-05-29 |
| 1256 NE 149th St | single_family | 3 | 2 | 875 | $440,000 | 2026-05-22 |
| 1300 NE 137th St | single_family | 3 | 2 | 1,173 | $350,000 | 2026-05-21 |
| 281 NE 112th St | single_family | 3 | 2 | 1,401 | $665,000 | 2026-05-18 |
| 275 NE 115th St | single_family | 3 | 2 | 1,340 | $649,900 | 2026-05-18 |
| 707 NE 113th St | single_family | 3 | 2 | 1,841 | $835,000 | 2026-05-15 |
| 501 NE 110th Ter | single_family | 3 | 2 | 2,375 | $580,000 | 2026-05-14 |
| 871 NE 128th St | single_family | 3 | 3 | 1,900 | $1,275,000 | 2026-05-07 |
| 11377 W Biscayne Canal Rd | single_family | 3 | 3 | 2,002 | $1,800,000 | 2026-05-07 |
| 354 NE 126th St | single_family | 3 | 2 | 1,882 | $670,000 | 2026-05-05 |
| 530 NE 110th Ter | single_family | 3 | 2 | 1,234 | $585,000 | 2026-05-01 |
| 640 NE 115th St | single_family | 3 | 2 | 1,488 | $938,000 | 2026-04-30 |
| 830 NE 140th St | single_family | 3 | 2 | 1,466 | $520,000 | 2026-04-27 |
| 1045 NE 135th St | single_family | 3 | 2 | 1,938 | $490,000 | 2026-04-27 |
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 |
|---|---|---|---|---|---|---|
| 10901 NE 3rd Ave | single_family | 3 | 2 | 1,158 | $1,149,999 | — |
| 480 NE 109th St | single_family | 3 | 3 | 1,808 | $1,015,000 | — |
| 1065 NE 107th St | single_family | 3 | 2 | 1,498 | $750,000 | — |
| 1566 NE 110th St | single_family | 3 | 2 | 1,136 | $810,000 | — |
| 1390 NE 150th St | single_family | 3 | 2 | 900 | $510,000 | — |
| 395 NE 112th St | single_family | 3 | 2 | 1,008 | $570,000 | — |
| 11150 Peachtree Dr | single_family | 3 | 2 | 1,114 | $625,000 | — |
| 13501 NE Miami Ct | single_family | 3 | 2 | 1,414 | $900,000 | — |
10-year hold projection
IRR6.1%
Equity multiple1.97x
Total return (10yr)$242,401
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $668,465 | $32,355 | -$10,833 | $513,567 | $154,898 |
| 2 | $688,519 | $33,453 | -$9,813 | $507,551 | $180,968 |
| 3 | $709,174 | $34,588 | -$8,759 | $501,122 | $208,052 |
| 4 | $730,450 | $35,760 | -$7,670 | $494,252 | $236,198 |
| 5 | $752,363 | $36,971 | -$6,544 | $486,910 | $265,453 |
| 6 | $774,934 | $38,222 | -$5,380 | $479,063 | $295,871 |
| 7 | $798,182 | $39,513 | -$4,178 | $470,678 | $327,504 |
| 8 | $822,127 | $40,847 | -$2,935 | $461,717 | $360,410 |
| 9 | $846,791 | $42,225 | -$1,651 | $452,141 | $394,650 |
| 10 | $872,195 | $43,647 | -$325 | $441,907 | $430,288 |
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.