28381 SW 128th Pl
Homestead, FL 33033 · single_family · For Sale · 54 days on market
Asking price$624,900
4 beds 2 baths 1,834 sqft
Suggested offer$497,344$127,556 above the est. market value of $497,344.
View on Realtor.com →Listed by Alejandro Del Valle · Maverick Realty Group
Typesingle_family
Built2015
Price / sqft$341
Est. value (own analysis)$497,344
Rent estimate (own analysis)$3,200/mo
HOANone
1 / 47
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Statusfor_sale
Listed date2026-07-10
Removed date—
MLSMiamiMLS #A12051560
Coordinates25.50368, -80.39893
Address28381 SW 128th Pl
CityHomestead
StateFL
Zip33033
Listing ID5735669453
Sourceus-real-estate-listings, cached 2026-08-28
ZIP market snapshot (33033)
Typical home value (ZHVI)$436,367
Typical rent (ZORI)$2,539/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 | $624,900 |
| Down payment (20.0%) | $124,980 |
| Loan amount | $499,920 |
| Closing costs (5.0%) | $31,245 |
| Total cash to close | $156,225 |
| Income | |
| Rent (comp-derived) | $3,200$38,400 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,944$35,328 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $989$11,873 |
| Insurance (placeholder 0.8% of price) | $417$4,999 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $160$1,920 |
| Total operating expenses | $1,566$18,792 |
| 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) | $160$1,920 |
| 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 | 4 | 2 | 2,153 | $2,870 | 2025-06-04 | — | |
| single_family | 4 | 2 | 1,580 | $3,200 | 2026-08-14 | — | |
| single_family | 4 | 2 | 2,117 | $2,995 | — | — | |
| single_family | 4 | 3 | 2,186 | $3,125 | — | — | |
| single_family | 4 | 4 | 2,383 | $3,355 | 2026-08-15 | — | |
| single_family | 4 | 2 | 2,135 | $3,505 | 2026-08-16 | — | |
| single_family | 4 | 2 | 1,793 | $2,600 | 2026-08-09 | — | |
| single_family | 4 | 3 | 2,116 | $3,000 | 2026-08-03 | — | |
| single_family | 4 | 3 | 2,138 | $3,550 | 2026-08-28 | — | |
| single_family | 4 | 2 | 1,260 | $2,512 | 2026-05-24 | — | |
| single_family | 4 | 3 | 2,420 | $3,200 | 2026-08-27 | — | |
| single_family | 4 | 2 | 1,385 | $3,000 | 2026-08-11 | — | |
| single_family | 4 | 3 | 1,670 | $3,200 | 2026-08-13 | — | |
| single_family | 4 | 2 | 2,094 | $3,200 | 2026-05-26 | — | |
| single_family | 4 | 2 | 1,750 | $2,795 | 2026-07-28 | — | |
| single_family | 4 | 2 | 1,670 | $3,300 | 2026-08-25 | — | |
| single_family | 4 | 2 | 1,496 | $3,500 | 2026-08-24 | — | |
| single_family | 4 | 3 | 2,256 | $3,600 | 2026-04-17 | — | |
| single_family | 4 | 3 | 2,165 | $4,250 | 2026-07-30 | — | |
| single_family | 4 | 3 | 2,381 | $3,150 | 2026-07-02 | — | |
| single_family | 4 | 2 | 1,828 | $4,000 | 2026-08-17 | — | |
| single_family | 4 | 3 | 1,580 | $2,800 | 2026-05-22 | — | |
| single_family | 4 | 2 | 1,250 | $3,300 | 2026-05-12 | — | |
| single_family | 4 | 2 | 1,397 | $3,100 | 2026-06-03 | — | |
| single_family | 4 | 2 | 1,967 | $3,200 | 2026-07-17 | — | |
| single_family | 4 | 3 | 2,073 | $3,400 | 2026-06-24 | — | |
| single_family | 4 | 3 | 2,076 | $3,250 | 2026-04-04 | — | |
| single_family | 4 | 3 | 2,380 | $5,600 | 2026-05-15 | — | |
| single_family | 4 | 2 | 1,684 | $3,650 | 2026-08-10 | — | |
| single_family | 4 | 3 | 1,680 | $4,400 | 2025-09-24 | — | |
| single_family | 4 | 2 | 1,670 | $3,500 | 2026-08-11 | — | |
| single_family | 4 | 3 | 2,058 | $4,000 | 2026-07-20 | — | |
| single_family | 4 | 2 | 2,090 | $3,390 | 2026-08-05 | — | |
| single_family | 4 | 3 | 2,094 | $3,500 | — | — | |
| single_family | 4 | 3 | 1,680 | $4,400 | — | — | |
| single_family | 4 | 3 | 1,599 | $2,990 | — | — | |
| single_family | 4 | 2 | 1,765 | $2,975 | — | — | |
| single_family | 4 | 4 | 1,592 | $3,000 | — | — | |
| single_family | 4 | 3 | 1,762 | $3,200 | — | — | |
| single_family | 4 | 3 | 1,408 | $2,900 | — | — | |
| single_family | 4 | 3 | 1,460 | $2,999 | — | — | |
| single_family | 4 | 3 | 2,115 | $3,750 | 2026-08-28 | — |
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 |
|---|---|---|---|---|---|---|
| 174 NE 32nd Ter | single_family | 4 | 2 | 2,818 | $450,000 | 2026-08-25 |
| 2371 SE 1st Ct | single_family | 4 | 3 | 2,228 | $670,000 | 2026-08-20 |
| 16345 SW 303rd St | single_family | 4 | 2 | 1,586 | $520,000 | 2026-08-18 |
| 156 SE 22nd Ter | single_family | 4 | 3 | 2,463 | $665,000 | 2026-08-17 |
| 1211 NE 40th Rd | single_family | 4 | 3 | 2,213 | $467,500 | 2026-08-17 |
| 14405 SW 298th Ter | single_family | 4 | 3 | 1,876 | $460,000 | 2026-08-14 |
| 3910 NE 10th Dr | single_family | 4 | 2 | 1,442 | $420,000 | 2026-08-14 |
| 14285 SW 287th St | single_family | 4 | 2 | 1,449 | $525,000 | 2026-08-14 |
| 2882 NE 4th St | single_family | 4 | 3 | 3,057 | $654,000 | 2026-08-13 |
| 3090 SE 7th Pl | single_family | 4 | 3 | 2,060 | $495,000 | 2026-08-07 |
| 15805 SW 300th Ter | single_family | 4 | 3 | 1,212 | $530,000 | 2026-08-05 |
| 3954 NE 13th Dr | single_family | 4 | 2 | 1,260 | $405,000 | 2026-08-03 |
| 28905 SW 163rd Ct | single_family | 4 | 3 | 2,199 | $650,000 | 2026-07-31 |
| 3179 NE 4th St | single_family | 4 | 3 | 1,762 | $479,900 | 2026-07-31 |
| 695 SE 30th Dr | single_family | 4 | 3 | 2,060 | $545,000 | 2026-07-27 |
| 391 NE 33rd Ter | single_family | 4 | 3 | 1,762 | $445,000 | 2026-07-24 |
| 29935 SW 143rd Ct | single_family | 4 | 2 | 1,216 | $475,000 | 2026-07-23 |
| 15814 SW 305th Ter | single_family | 4 | 2 | 1,416 | $450,000 | 2026-07-23 |
| 15940 SW 283rd St | single_family | 4 | 2 | 1,765 | $655,000 | 2026-07-23 |
| 1495 NE 2nd Ct | single_family | 4 | 3 | — | $614,000 | 2026-07-21 |
| 1033 NE 35th Ave | single_family | 4 | 3 | 2,752 | $618,000 | 2026-07-20 |
| 3983 NE 12th Dr | single_family | 4 | 2 | 1,260 | $380,000 | 2026-07-17 |
| 15971 SW 287th St | single_family | 4 | 2 | 2,405 | $565,000 | 2026-07-17 |
| 2655 NE 2nd Dr | single_family | 4 | 3 | 2,093 | $500,000 | 2026-07-15 |
| 2182 SE 1st St | single_family | 4 | 2 | 2,420 | $554,000 | 2026-07-15 |
| 14431 SW 285th St | single_family | 4 | 2 | 1,673 | $499,997 | 2026-07-14 |
| 961 NE 36th Ave | single_family | 4 | 3 | 1,921 | $480,000 | 2026-07-13 |
| 28105 SW 166th Ct | single_family | 4 | 2 | 1,779 | $680,000 | 2026-07-10 |
| 15545 Arizona Rd | single_family | 4 | 2 | — | $525,000 | 2026-07-10 |
| 15231 SW 302nd St | single_family | 4 | 2 | 1,288 | $476,000 | 2026-07-09 |
| 28469 SW 131st Ct | single_family | 4 | 2 | 1,613 | $509,000 | 2026-07-09 |
| 29641 SW 165th Ct | single_family | 4 | 3 | 2,381 | $633,000 | 2026-07-07 |
| 3367 NE 3rd Dr | single_family | 4 | 3 | 1,762 | $467,500 | 2026-07-01 |
| 181 NE 17th Ave | single_family | 4 | 3 | 2,085 | $585,500 | 2026-06-30 |
| 2117 NE 40th Rd | single_family | 4 | 3 | 1,967 | $525,000 | 2026-06-30 |
| 1583 NE 2nd Ct | single_family | 4 | 3 | 2,470 | $619,000 | 2026-06-29 |
| 30001 SW 153rd Ave | single_family | 4 | 3 | 1,400 | $560,000 | 2026-06-26 |
| 2316 NE 3rd Ct | single_family | 4 | 2 | 1,670 | $455,000 | 2026-06-25 |
| 13345 SW 284th Ter | single_family | 4 | 3 | 2,598 | $555,000 | 2026-06-24 |
| 30031 SW 145th Ct | single_family | 4 | 2 | 1,610 | $515,000 | 2026-06-24 |
| 2945 SE 3rd St | single_family | 4 | 3 | 2,090 | $640,000 | 2026-06-23 |
| 28665 SW 158th Ct | single_family | 4 | 3 | 2,512 | $570,000 | 2026-06-22 |
| 28101 SW 159th Ave | single_family | 4 | 2 | 1,704 | $658,000 | 2026-06-17 |
| 2604 NE 1st St | single_family | 4 | 3 | 2,696 | $649,995 | 2026-06-17 |
| 28104 SW 165th Ct | single_family | 4 | 2 | 1,779 | $670,000 | 2026-06-16 |
| 2615 SE 5th Ct | single_family | 4 | 3 | 2,073 | $516,000 | 2026-06-15 |
| 4045 NE 15th St | single_family | 4 | 2 | 1,953 | $485,000 | 2026-06-12 |
| 13556 SW 285th Ter | single_family | 4 | 3 | 1,863 | $490,000 | 2026-06-12 |
| 29144 SW 165th Ave | single_family | 4 | 3 | 2,607 | $793,000 | 2026-06-11 |
| 1281 NE 41st Pl | single_family | 4 | 2 | 1,830 | $485,000 | 2026-06-11 |
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 |
|---|---|---|---|---|---|---|
| 16200 SW 320th St | single_family | 4 | 3 | 2,267 | $690,990 | — |
| 16314 SW 291 St Unit 16314 | condo_townhome_rowhome_coop | 4 | 3 | — | $385,000 | — |
| 17360 SW 286 St | single_family | 4 | 3 | 2,217 | $724,690 | — |
| 2570 SE 4th Pl | single_family | 4 | 3 | 2,098 | $485,000 | — |
| 13411 SW 285th St | single_family | 4 | 3 | 2,598 | $552,000 | — |
| 729 SE 34th Ave | single_family | 4 | 2 | 1,670 | $444,444 | — |
| 15624 SW 297th Ter | single_family | 4 | 2 | 1,506 | $597,000 | — |
| 977 NE 37th Pl | single_family | 4 | 3 | 2,020 | $455,000 | — |
10-year hold projection
IRR-0.2%
Equity multiple0.97x
Total return (10yr)$76,767
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $643,647 | $16,536 | -$23,936 | $494,500 | $149,147 |
| 2 | $662,956 | $17,126 | -$23,394 | $488,707 | $174,249 |
| 3 | $682,845 | $17,736 | -$22,833 | $482,517 | $200,328 |
| 4 | $703,330 | $18,367 | -$22,252 | $475,902 | $227,429 |
| 5 | $724,430 | $19,019 | -$21,652 | $468,832 | $255,598 |
| 6 | $746,163 | $19,693 | -$21,031 | $461,277 | $284,886 |
| 7 | $768,548 | $20,390 | -$20,388 | $453,203 | $315,345 |
| 8 | $791,605 | $21,111 | -$19,723 | $444,575 | $347,030 |
| 9 | $815,353 | $21,856 | -$19,035 | $435,354 | $379,999 |
| 10 | $839,813 | $22,626 | -$18,323 | $425,500 | $414,313 |
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.