134 Florida Ave
Coral Gables, FL 33133 · single_family · For Sale · 212 days on market
Asking price$489,000
2 beds 1 baths 756 sqft
Listed by Andres Barboza · Florida Realty Of Miami Corp
Typesingle_family
Built1930
Price / sqft$647
Est. value (own analysis)$779,625
Rent estimate (own analysis)$4,200/mo
HOANone
1 / 2
Show every detail
Statusfor_sale
Listed date2026-02-02
Removed date—
MLSMiamiMLS #A11957125
Coordinates25.72798, -80.25703
Address134 Florida Ave
CityCoral Gables
StateFL
Zip33133
Listing ID5597971582
Sourceus-real-estate-listings, cached 2026-08-30
ZIP market snapshot (33133)
Typical home value (ZHVI)$1,352,044
Typical rent (ZORI)$3,793/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 | $489,000 |
| Down payment (20.0%) | $97,800 |
| Loan amount | $391,200 |
| Closing costs (5.0%) | $24,450 |
| Total cash to close | $122,250 |
| Income | |
| Rent (comp-derived) | $4,200$50,400 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,864$46,368 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $774$9,291 |
| Insurance (placeholder 0.8% of price) | $326$3,912 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $210$2,520 |
| Total operating expenses | $1,310$15,723 |
| 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) | $210$2,520 |
| 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 | 2 | 2 | 1,173 | $5,200 | 2026-08-21 | — | |
| single_family | 2 | 2 | 1,105 | $3,900 | 2026-08-12 | — | |
| single_family | 2 | 2 | 1,122 | $7,450 | 2026-08-05 | — | |
| single_family | 2 | 2 | 1,302 | $3,450 | 2026-07-29 | — | |
| single_family | 2 | 3 | 1,000 | $3,600 | — | — | |
| single_family | 2 | 1 | 2,280 | $3,000 | — | — | |
| single_family | 2 | 1 | — | $2,680 | — | — | |
| single_family | 2 | 3 | 1,580 | $4,900 | — | — | |
| single_family | 2 | 3 | — | $4,650 | — | — | |
| single_family | 2 | 1 | — | $4,200 | — | — | |
| single_family | 2 | 2 | 2,017 | $8,450 | 2026-07-14 | — |
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 |
|---|---|---|---|---|---|---|
| 1630 S Bayshore Dr | single_family | 2 | 2 | 1,248 | $2,350,000 | 2026-08-25 |
| 2490 Abaco Ave | single_family | 2 | 1 | 1,059 | $2,000,000 | 2026-08-19 |
| 3522 William Ave | single_family | 2 | 3 | — | $1,650,000 | 2026-08-14 |
| 140 Morningside Dr | single_family | 2 | 2 | 1,548 | $1,650,000 | 2026-07-27 |
| 3544 William Ave | single_family | 2 | 1 | 753 | $1,125,000 | 2026-07-24 |
| 1745 S Bayshore Ln | single_family | 2 | 2 | 1,595 | $2,000,000 | 2026-07-17 |
| 3554 SW 26th St | single_family | 2 | 1 | 1,215 | $700,000 | 2026-07-17 |
| 2260 SW 25th St | single_family | 2 | 1 | 2,017 | $855,000 | 2026-07-14 |
| 2345 Overbrook St | single_family | 2 | 1 | 1,200 | $1,550,000 | 2026-07-02 |
| 2665 SW 17th Ave | single_family | 2 | 2 | 1,405 | $1,385,000 | 2026-06-30 |
| 2135 SW 26th St | single_family | 2 | 1 | 956 | $771,370 | 2026-06-30 |
| 2701 SW 30th Ave | single_family | 2 | 1 | 1,125 | $726,800 | 2026-06-18 |
| 3660 Poinciana Ave | single_family | 2 | 1 | 775 | $1,275,000 | 2026-06-12 |
| 3301 Frow Ave | single_family | 2 | 1 | 921 | $1,375,000 | 2026-06-09 |
| 2511 Tequesta Ln | single_family | 2 | 2 | 1,092 | $1,100,000 | 2026-06-05 |
| 3951 Park Dr | single_family | 2 | 1 | 1,598 | $1,766,000 | 2026-06-03 |
| 4134 Ventura Ave | single_family | 2 | 1 | 1,244 | $1,505,000 | 2026-05-18 |
| 3820 Plaza St | single_family | 2 | 2 | 1,600 | $1,650,000 | 2026-05-15 |
| 117 Florida Ave | single_family | 2 | 2 | 1,005 | $885,000 | 2026-03-27 |
| 3972 Loquat Ave | single_family | 2 | 1 | 900 | $2,572,400 | 2026-03-16 |
| 3748 Washington Ave | single_family | 2 | 1 | 862 | $363,000 | 2026-03-06 |
| 2550 Tequesta Ln | single_family | 2 | 1 | 1,236 | $1,000,000 | 2026-02-27 |
| 2997 Day Ave | single_family | 2 | 3 | 2,090 | $1,575,000 | 2026-02-23 |
| 2731 SW 29th Ave | single_family | 2 | 2 | 1,069 | $795,000 | 2026-02-20 |
| 4150 Ventura Ave | single_family | 2 | 1 | 1,672 | $1,950,000 | 2026-02-12 |
| 3320 Percival Ave | single_family | 2 | 1 | 1,162 | $1,025,000 | 2026-02-04 |
| 3821 Braganza Ave | single_family | 2 | 2 | 1,873 | $3,000,000 | 2026-01-15 |
| 2820 SW 33rd Ct | single_family | 2 | 1 | 1,300 | $700,000 | 2025-12-19 |
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 |
|---|---|---|---|---|---|---|
| 2984 Mary St | townhomes | 2 | 2 | 1,092 | $899,000 | — |
| 2989 Bird Ave Unit 1 | townhomes | 2 | 2 | 1,040 | $650,000 | — |
| 2843 S Bayshore Dr Apt 6B | condos | 2 | 2 | 1,375 | $1,475,000 | — |
| 2678 Tigertail Ave Apt 1508 | condos | 2 | 3 | 1,207 | $1,960,000 | — |
| 3145 Jackson Ave | townhomes | 2 | 3 | 1,746 | $1,450,000 | — |
| 2690 SW 22nd Ave Apt 301 | condos | 2 | 1 | 906 | $310,000 | — |
| 2924 Day Ave Apt N314 | condos | 2 | 2 | 879 | $639,000 | — |
| 2650 SW 37th Ave Apt 501 | condos | 2 | 2 | 1,219 | $480,000 | — |
10-year hold projection
IRR9.8%
Equity multiple2.54x
Total return (10yr)$251,910
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $503,670 | $30,645 | -$2,043 | $386,958 | $116,712 |
| 2 | $518,780 | $31,643 | -$1,108 | $382,426 | $136,354 |
| 3 | $534,344 | $32,673 | -$142 | $377,582 | $156,762 |
| 4 | $550,374 | $33,736 | $854 | $372,405 | $177,969 |
| 5 | $566,885 | $34,832 | $1,883 | $366,873 | $200,012 |
| 6 | $583,892 | $35,964 | $2,945 | $360,961 | $222,931 |
| 7 | $601,408 | $37,132 | $4,042 | $354,643 | $246,766 |
| 8 | $619,451 | $38,337 | $5,174 | $347,891 | $271,560 |
| 9 | $638,034 | $39,581 | $6,343 | $340,675 | $297,359 |
| 10 | $657,175 | $40,864 | $7,549 | $332,964 | $324,211 |
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.