10364 NW 128th Ter
Hialeah Gardens, FL 33018 · single_family · For Sale · 58 days on market
Asking price$599,000
3 beds 2 baths 1,398 sqft
Suggested offer$548,324$50,676 above the est. market value of $548,324.
View on Realtor.com →Listed by Daniel Robinson · Houwzer LLC
Typesingle_family
Built1989
Price / sqft$428
Est. value (own analysis)$548,324
Rent estimate (own analysis)$3,325/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeAir2/10MinorFlood1/10minimal$Wildfire1/10Minimal
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Statusfor_sale
Listed date2026-07-06
Removed date—
MLSMiamiMLS #A12045954
Coordinates25.88977, -80.36726
Address10364 NW 128th Ter
CityHialeah Gardens
StateFL
Zip33018
Listing ID5827744671
Sourceus-real-estate-listings, cached 2026-08-28
ZIP market snapshot (33018)
Typical home value (ZHVI)$530,396
Typical rent (ZORI)$3,006/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 | $599,000 |
| Down payment (20.0%) | $119,800 |
| Loan amount | $479,200 |
| Closing costs (5.0%) | $29,950 |
| Total cash to close | $149,750 |
| Income | |
| Rent (comp-derived) | $3,325$39,900 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,059$36,708 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $948$11,381 |
| Insurance (est. scaled by flood & wind risk) | $599$7,188 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $166$1,995 |
| Total operating expenses | $1,714$20,564 |
| 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) | $166$1,995 |
| 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 | 1,378 | $3,299 | — | — | |
| single_family | 3 | 2 | 1,553 | $3,240 | — | — | |
| single_family | 3 | 2 | 1,412 | $3,295 | — | — | |
| single_family | 3 | 3 | 1,800 | $3,695 | — | — | |
| single_family | 3 | 2 | 1,308 | $3,200 | 2026-08-18 | — | |
| single_family | 3 | 2 | 1,453 | $3,350 | 2026-08-26 | — | |
| single_family | 3 | 2 | 1,367 | $3,300 | 2026-08-23 | — | |
| single_family | 3 | 2 | 1,628 | $3,950 | — | — | |
| single_family | 3 | 2 | 1,130 | $3,500 | 2026-08-12 | — | |
| single_family | 3 | 2 | 1,340 | $3,500 | 2026-08-12 | — | |
| single_family | 3 | 2 | 1,410 | $3,400 | 2026-08-11 | — | |
| single_family | 3 | 2 | 1,775 | $3,850 | 2026-08-04 | — | |
| single_family | 3 | 3 | 1,765 | $4,000 | 2026-07-18 | — | |
| single_family | 3 | 2 | 1,632 | $4,200 | 2026-07-03 | — | |
| single_family | 3 | 2 | 1,170 | $3,200 | 2026-08-20 | — | |
| single_family | 3 | 3 | 1,412 | $3,200 | 2026-06-12 | — | |
| single_family | 3 | 2 | 1,450 | $3,400 | — | — | |
| single_family | 3 | 3 | 1,650 | $3,000 | — | — | |
| single_family | 3 | 2 | 1,200 | $3,500 | — | — | |
| single_family | 3 | 3 | 1,545 | $3,000 | — | — | |
| single_family | 3 | 3 | 1,650 | $3,150 | — | — | |
| single_family | 3 | 2 | 1,523 | $4,150 | — | — | |
| single_family | 3 | 2 | 1,150 | $2,850 | — | — | |
| single_family | 3 | 2 | 1,090 | $3,200 | — | — | |
| single_family | 3 | 3 | 1,644 | $3,300 | — | — | |
| single_family | 3 | 3 | 1,583 | $3,400 | — | — | |
| single_family | 3 | 3 | 1,708 | $3,100 | — | — | |
| single_family | 3 | 3 | 1,708 | $3,400 | — | — | |
| single_family | 3 | 2 | 1,184 | $3,100 | — | — | |
| single_family | 3 | 3 | 1,540 | $3,100 | — | — | |
| single_family | 3 | 3 | 1,540 | $3,500 | — | — | |
| single_family | 3 | 3 | 1,650 | $3,400 | — | — |
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 |
|---|---|---|---|---|---|---|
| 8967 NW 146th Ter | single_family | 3 | 2 | 1,889 | $685,000 | 2026-09-01 |
| 15488 NW 91st Ct | single_family | 3 | 3 | 1,743 | $570,000 | 2026-09-01 |
| 8871 NW 114th St | single_family | 3 | 2 | 1,130 | $470,000 | 2026-08-31 |
| 8727 NW 150th Ter | single_family | 3 | 2 | 1,721 | $680,000 | 2026-08-31 |
| 8805 NW 114th Ter | single_family | 3 | 2 | 1,130 | $489,900 | 2026-08-24 |
| 7898 W 34th Ct | single_family | 3 | 2 | 1,425 | $570,000 | 2026-08-21 |
| 7232 W 29th Way | single_family | 3 | 2 | 1,319 | $530,000 | 2026-08-20 |
| 11530 NW 87th Ct | single_family | 3 | 2 | 1,130 | $497,000 | 2026-08-19 |
| 7411 W 33rd Ave | single_family | 3 | 3 | 1,605 | $579,000 | 2026-08-18 |
| 7256 W 34th Ln | single_family | 3 | 2 | 1,410 | $530,000 | 2026-08-14 |
| 7462 W 29th Way | single_family | 3 | 2 | 1,295 | $545,000 | 2026-08-13 |
| 8889 NW 115th St | single_family | 3 | 2 | 1,380 | $599,900 | 2026-08-11 |
| 2834 W 75th Ter | single_family | 3 | 2 | 1,170 | $555,000 | 2026-08-06 |
| 3281 W 70th St | single_family | 3 | 2 | 1,384 | $567,900 | 2026-08-05 |
| 9002 NW 113th St | single_family | 3 | 2 | 936 | $450,000 | 2026-07-31 |
| 19291 NW 90th Ct | single_family | 3 | 2 | 958 | $540,000 | 2026-07-31 |
| 16051 NW 87th Ct | single_family | 3 | 3 | 2,228 | $1,000,000 | 2026-07-31 |
| 8892 NW 167th St | single_family | 3 | 2 | 1,888 | $780,000 | 2026-07-30 |
| 8883 NW 176th St | single_family | 3 | 2 | 1,963 | $790,000 | 2026-07-28 |
| 8757 NW 139th Ter | single_family | 3 | 2 | 1,568 | $720,000 | 2026-07-24 |
| 8800 NW 118th St | single_family | 3 | 2 | 1,118 | $475,000 | 2026-07-24 |
| 3254 W 78th St | single_family | 3 | 3 | 1,545 | $546,000 | 2026-07-22 |
| 15153 NW 89th Pl | single_family | 3 | 2 | 1,695 | $723,000 | 2026-07-20 |
| 7231 W 29th Way | single_family | 3 | 2 | 1,319 | $490,000 | 2026-07-09 |
| 3323 W 96th Pl | single_family | 3 | 2 | 2,025 | $663,000 | 2026-06-26 |
| 3518 W 86th Ter | single_family | 3 | 2 | 1,920 | $650,000 | 2026-06-26 |
| 9058 NW 192nd Ter | single_family | 3 | 2 | 958 | $525,000 | 2026-06-22 |
| 9778 NW 128th Ln | single_family | 3 | 2 | 1,715 | $554,000 | 2026-06-22 |
| 7503 W 34th Ln | single_family | 3 | 2 | 1,598 | $565,000 | 2026-06-21 |
| 9154 NW 147th Ter | single_family | 3 | 2 | 1,889 | $665,000 | 2026-06-11 |
| 9909 W 32nd Ln | single_family | 3 | 2 | 2,025 | $670,000 | 2026-06-03 |
| 7185 W 30th Ln | single_family | 3 | 2 | 1,451 | $580,000 | 2026-06-01 |
| 8865 NW 110th St | single_family | 3 | 2 | 1,402 | $550,500 | 2026-05-28 |
| 9881 W 34th Ave | single_family | 3 | 3 | 2,291 | $660,000 | 2026-05-27 |
| 11649 NW 91st Ave | single_family | 3 | 2 | 1,144 | $530,000 | 2026-05-26 |
| 8798 NW 111th Ter | single_family | 3 | 2 | 1,349 | $525,000 | 2026-05-19 |
| 3407 W 99th Pl | single_family | 3 | 2 | 2,025 | $675,000 | 2026-05-19 |
| 7456 W 34th Ct | single_family | 3 | 2 | 1,350 | $395,000 | 2026-05-15 |
| 8852 NW 147th Ln | single_family | 3 | 2 | 2,160 | $705,000 | 2026-05-15 |
| 19230 NW 87th Pl | single_family | 3 | 3 | 2,608 | $1,125,000 | 2026-05-13 |
| 9023 NW 148th Ter | single_family | 3 | 2 | 1,889 | $690,000 | 2026-05-12 |
| 8864 NW 189th Ter | single_family | 3 | 2 | 1,756 | $680,000 | 2026-05-06 |
| 14426 NW 88th Ave | single_family | 3 | 2 | 1,913 | $690,000 | 2026-05-04 |
| 11465 NW 88th Ct | single_family | 3 | 2 | 1,130 | $496,000 | 2026-04-27 |
| 8781 NW 148th Ter | single_family | 3 | 2 | 2,171 | $720,000 | 2026-04-22 |
| 3465 W 110th Ter | single_family | 3 | 3 | 1,848 | $670,000 | 2026-04-20 |
| 3338 W 97th Ter | single_family | 3 | 3 | 2,486 | $715,000 | 2026-04-15 |
| 19211 NW 88th Ct | single_family | 3 | 2 | 1,756 | $730,000 | 2026-04-14 |
| 8943 NW 174th St | single_family | 3 | 2 | 1,876 | $735,000 | 2026-04-13 |
| 3289 W 70th St | single_family | 3 | 2 | 1,416 | $549,900 | 2026-04-10 |
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 |
|---|---|---|---|---|---|---|
| 9018 NW 120th St Unit 133 | condo_townhome_rowhome_coop | 3 | 2 | 1,270 | $427,900 | — |
| 8724 NW 149th Ter | single_family | 3 | 2 | 1,676 | $720,000 | — |
| 15842 NW 91 Ct Unit 15842 | townhomes | 3 | 3 | 1,692 | $575,000 | — |
| 9733 NW 126th Ter | single_family | 3 | 2 | 1,550 | $575,000 | — |
| 19641 NW 88th Ave | single_family | 3 | 2 | 1,957 | $814,900 | — |
| 7001 W 35th Ave Unit 273 | condos | 3 | 2 | 1,170 | $439,000 | — |
| 19181 NW 89th Ave | single_family | 3 | 2 | 1,628 | $679,000 | — |
| 8851 NW 119th St Unit 6102 | condos | 3 | 2 | 1,380 | $299,000 | — |
10-year hold projection
IRR-0.1%
Equity multiple0.98x
Total return (10yr)$75,884
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $616,970 | $16,144 | -$22,805 | $474,004 | $142,966 |
| 2 | $635,479 | $16,731 | -$22,267 | $468,452 | $167,027 |
| 3 | $654,543 | $17,338 | -$21,711 | $462,518 | $192,025 |
| 4 | $674,180 | $17,967 | -$21,135 | $456,177 | $218,003 |
| 5 | $694,405 | $18,616 | -$20,539 | $449,401 | $245,005 |
| 6 | $715,237 | $19,288 | -$19,922 | $442,159 | $273,079 |
| 7 | $736,694 | $19,983 | -$19,284 | $434,419 | $302,275 |
| 8 | $758,795 | $20,702 | -$18,623 | $426,149 | $332,647 |
| 9 | $781,559 | $21,445 | -$17,939 | $417,310 | $364,249 |
| 10 | $805,006 | $22,214 | -$17,231 | $407,864 | $397,142 |
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.