3435 NW 4th St
Miami, FL 33125 · multi_family · For Sale · 90 days on market
Asking price$975,000
5 beds 3 baths 1,970 sqft
Suggested offer$501,792$473,208 above the est. market value of $501,792.
View on Realtor.com →Listed by Helen Borges · Coldwell Banker Realty
Typemulti_family
Built1974
Price / sqft$495
Est. value (own analysis)$501,792
Rent estimate (building total, own analysis)$5,634/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeAir2/10MinorFlood1/10minimal$Wildfire1/10Minimal
1 / 7
Show every detail
Statusfor_sale
Listed date2026-06-04
Removed date—
MLSMiamiMLS #A12029166
Coordinates25.77648, -80.25169
Address3435 NW 4th St
CityMiami
StateFL
Zip33125
Listing ID5686403144
Sourceus-real-estate-listings, cached 2026-08-28
ZIP market snapshot (33125)
Typical home value (ZHVI)$466,681
Typical rent (ZORI)$2,360/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 | $975,000 |
| Down payment (20.0%) | $195,000 |
| Loan amount | $780,000 |
| Closing costs (5.0%) | $48,750 |
| Total cash to close | $243,750 |
| Income | |
| Rent (estimate) | $5,634$67,610 |
| Vacancy loss (8.0%) | |
| Effective gross income | $5,183$62,202 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,544$18,525 |
| Insurance (est. scaled by flood & wind risk) | $975$11,700 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $282$3,381 |
| Total operating expenses | $2,800$33,606 |
| 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) | $282$3,381 |
| 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.
No active rental listings cached yet for this bedroom count.
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 |
|---|---|---|---|---|---|---|
| 1330 NW 5th St | multi_family | 5 | 5 | 2,690 | $1,100,000 | 2026-08-07 |
| 226 NW 16th Ave | multi_family | 5 | 1 | 2,637 | $470,000 | 2026-06-03 |
| 2029 NW 5th St | multi_family | 5 | 1 | 2,532 | $605,000 | 2026-04-21 |
| 1209 NW 33rd Ave | multi_family | 5 | 3 | 2,650 | $675,000 | 2026-02-27 |
| 1120 NW 32nd Ct | multi_family | 5 | 3 | 2,346 | $850,000 | 2025-08-29 |
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 |
|---|---|---|---|---|---|---|
| 1130-1132 NW 34th Ave | multi_family | 5 | 4 | 1,824 | $739,900 | — |
| 1845 NW 16th St | multi_family | 5 | 3 | 2,871 | $640,000 | — |
| 935 NW 22nd Ct | multi_family | 5 | 3 | 1,758 | $769,000 | — |
| 2930 NW 12th St | multi_family | 5 | 3 | 2,189 | $839,000 | — |
| 2160 NW 18th Ter | multi_family | 5 | 4 | 2,552 | $1,180,000 | — |
| 1055 NW 32nd Ct | multi_family | 5 | 4 | 2,287 | $1,199,000 | — |
| 1052 NW 25th Ave | multi_family | 5 | 3 | 1,950 | $699,000 | — |
| single_family | 5 | 3 | 1,675 | $1,244,000 | — |
10-year hold projection
IRR0.5%
Equity multiple1.09x
Total return (10yr)$148,636
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,004,250 | $28,596 | -$34,934 | $771,543 | $232,707 |
| 2 | $1,034,378 | $29,622 | -$33,993 | $762,505 | $271,872 |
| 3 | $1,065,409 | $30,683 | -$33,019 | $752,847 | $312,562 |
| 4 | $1,097,371 | $31,780 | -$32,010 | $742,526 | $354,846 |
| 5 | $1,130,292 | $32,914 | -$30,967 | $731,495 | $398,797 |
| 6 | $1,164,201 | $34,087 | -$29,888 | $719,707 | $444,494 |
| 7 | $1,199,127 | $35,300 | -$28,770 | $707,110 | $492,017 |
| 8 | $1,235,101 | $36,554 | -$27,615 | $693,648 | $541,453 |
| 9 | $1,272,154 | $37,850 | -$26,419 | $679,261 | $592,893 |
| 10 | $1,310,318 | $39,190 | -$25,181 | $663,886 | $646,432 |
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.