327 NW 3rd St
Florida City, FL 33034 · single_family · Pending — under contract · 23 days on market
Asking price$349,999
2 beds 1 baths 1,004 sqft
Listed by Annia Garcia · Delphi Investment Realty
Typesingle_family
Built1954
Price / sqft$349
Est. value (own analysis)$393,810
Rent estimate (Zillow ZIP avg)$2,436/mo
HOANone
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Statusfor_sale
Listed date2026-08-10
Removed date—
MLSMiamiMLS #A12064497
Coordinates25.45060, -80.48172
Address327 NW 3rd St
CityFlorida City
StateFL
Zip33034
Listing ID5703672316
Sourceus-real-estate-listings, cached 2026-08-28
ZIP market snapshot (33034)
Typical home value (ZHVI)$382,671
Typical rent (ZORI)$2,436/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 | $349,999 |
| Down payment (20.0%) | $70,000 |
| Loan amount | $279,999 |
| Closing costs (5.0%) | $17,500 |
| Total cash to close | $87,500 |
| Income | |
| Rent (ZIP avg, ZORI — not bedroom-specific) | $2,436$29,229 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,241$26,890 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $554$6,650 |
| Insurance (placeholder 0.8% of price) | $233$2,800 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $122$1,461 |
| Total operating expenses | $909$10,911 |
| 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) | $122$1,461 |
| 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 | 1,170 | $2,000 | 2026-03-25 | — | |
| single_family | 2 | 1 | 1,128 | $2,150 | 2026-07-31 | — |
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 |
|---|---|---|---|---|---|---|
| 544 NW 10th St | single_family | 2 | 1 | 754 | $235,000 | 2026-08-21 |
| 20300 SW 344th St | single_family | 2 | 1 | 1,140 | $630,000 | 2026-07-14 |
| 640 SW 5th Ave | single_family | 2 | 1 | 1,160 | $455,000 | 2026-06-12 |
| 927 NW 6th Ave | single_family | 2 | 1 | 880 | $235,000 | 2026-06-09 |
| 690 NW 1st St | single_family | 2 | 1 | 732 | $295,000 | 2026-01-30 |
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 |
|---|---|---|---|---|---|---|
| 1051 Jefferson Dr Unit 1051K | condos | 2 | 2 | 970 | $189,900 | — |
| 35303 SW 180th Ave Lot 333 | mobile | 2 | 2 | 1,170 | $225,000 | — |
| 488 NE 5th Ter | townhomes | 2 | 3 | 1,208 | $269,000 | — |
| 1149 Independence Trl Unit 1149H | condos | 2 | 2 | 970 | $218,000 | — |
| 35250 SW 177th Ct Unit 48 | mobile | 2 | 2 | 1,170 | $197,000 | — |
| 1017 Washington Cir Unit 1017I | condos | 2 | 2 | 960 | $180,900 | — |
| 1021 Adams Ave Unit 1021F | condos | 2 | 2 | 960 | $195,000 | — |
| 889 Hamilton Dr Unit 889E | condos | 2 | 2 | 970 | $179,900 | — |
10-year hold projection
IRR5.0%
Equity multiple1.80x
Total return (10yr)$115,780
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $360,499 | $15,979 | -$7,075 | $276,963 | $83,536 |
| 2 | $371,314 | $16,513 | -$6,577 | $273,719 | $97,595 |
| 3 | $382,453 | $17,064 | -$6,063 | $270,252 | $112,201 |
| 4 | $393,927 | $17,633 | -$5,533 | $266,547 | $127,380 |
| 5 | $405,745 | $18,221 | -$4,984 | $262,587 | $143,157 |
| 6 | $417,917 | $18,828 | -$4,418 | $258,356 | $159,561 |
| 7 | $430,455 | $19,455 | -$3,832 | $253,834 | $176,621 |
| 8 | $443,368 | $20,102 | -$3,228 | $249,001 | $194,367 |
| 9 | $456,669 | $20,769 | -$2,603 | $243,837 | $212,833 |
| 10 | $470,369 | $21,459 | -$1,958 | $238,318 | $232,052 |
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.