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650 NE 76th St

Miami, FL 33138 · single_family · For Sale · 100 days on market
Asking price$2,799,000
6 beds 5 baths 3,107 sqft
Suggested offer$2,186,613$612,387 above the est. market value of $2,186,613.
View on Realtor.com →
Listed by Daniela Ferraro · Keller Williams Eagle Realty
Typesingle_family
Built1938
Price / sqft$901
Est. value (own analysis)$2,186,613
Rent estimate (own analysis)$29,750/mo
HOA$3/mo
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Neighborhood

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Statusfor_sale
Listed date2026-05-25
Removed date—
MLSMiamiMLS #A12010423
Coordinates25.84467, -80.18333
Address650 NE 76th St
CityMiami
StateFL
Zip33138
Listing ID5828285959
Sourceus-real-estate-listings, cached 2026-08-30

ZIP market snapshot (33138)

Typical home value (ZHVI)$806,988
Typical rent (ZORI)$2,367/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$2,799,000
Down payment (20.0%)$559,800
Loan amount$2,239,200
Closing costs (5.0%)$139,950
Total cash to close$699,750
Income
Rent (comp-derived)$29,750$357,000
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$357,000
Vacancy rate (assumption) assumption8.0%

$357,000 × 8.0% = $28,560

Effective gross income$27,370$328,440
Operating expenses
Property tax (placeholder 1.9% of price)$4,432$53,181
Insurance (placeholder 0.8% of price)$1,866$22,392
HOA dues$3$36
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$1,488$17,850
Total operating expenses$7,788$93,459
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$328,440
Total operating expenses derived$93,459

$328,440 − $93,459 = $234,981

Debt service & reserves
Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$2,239,200
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$2,239,200 amortized at 6.7% over 30 years = $14,390/mo

CapEx reserve (5.0% of GSR)$1,488$17,850
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)$0$0
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$234,981
Annual debt service derived$172,676
Annual CapEx reserve assumption$17,850
Annual PMI assumption$0

($234,981 − $172,676 − $17,850 − $0) ÷ 12 = $3,705

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$234,981
Purchase price data$2,799,000

$234,981 ÷ $2,799,000 = 8.4%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived$44,455
Total cash to close derived$699,750

$44,455 ÷ $699,750 = 6.4%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$234,981
Annual debt service derived$172,676

$234,981 ÷ $172,676 = 1.36

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$357,000
Purchase price data$2,799,000

($357,000 ÷ 12) ÷ $2,799,000 = 1.1%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$2,799,000
Gross scheduled rent (annual) comp$357,000

$2,799,000 ÷ $357,000 = 7.8

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$93,459
Effective gross income derived$328,440

$93,459 ÷ $328,440 = 28.5%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$93,459
Annual debt service derived$172,676
Annual PMI assumption$0
Gross scheduled rent (annual) comp$357,000

($93,459 + $172,676 + $0) ÷ $357,000 = 74.5%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family643,500$17,0002026-08-13—
single_family675,712$65,0002026-07-01—
single_family654,432$29,5002026-06-17—
single_family685,568$58,5002026-04-15—
single_family653,446$30,0002023-02-13—
single_family654,618$14,9002026-04-08—

1230 NE 89th St

Miami, 33138 · rent comp

Bedrooms / bathrooms6 bd / 4 ba
Square footage3,500
Listed2026-08-13
Days on market—

Asking rent: $17,000

View on Zillow →

980 Belle Meade Island Dr

Miami, 33138 · rent comp

Bedrooms / bathrooms6 bd / 7 ba
Square footage5,712
Listed2026-07-01
Days on market—

Asking rent: $65,000

View on Zillow →

1076 NE Little River Dr

Miami, 33138 · rent comp

Bedrooms / bathrooms6 bd / 5 ba
Square footage4,432
Listed2026-06-17
Days on market—

Asking rent: $29,500

View on Zillow →

707 NE 77th St

Miami, 33138 · rent comp

Bedrooms / bathrooms6 bd / 8 ba
Square footage5,568
Listed2026-04-15
Days on market—

Asking rent: $58,500

View on Zillow →

9101 N Bayshore Dr

Miami, 33138 · rent comp

Bedrooms / bathrooms6 bd / 5 ba
Square footage3,446
Listed2023-02-13
Days on market—

Asking rent: $30,000

View on Zillow →

1400 NE 103rd St

Miami Shores, 33138 · rent comp

Bedrooms / bathrooms6 bd / 5 ba
Square footage4,618
Listed2026-04-08
Days on market—

Asking rent: $14,900

View on Zillow →

Widened to any bedroom count in ZIP. 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.

AddressTypeBedsBathsLiving sqftSale priceSale date
1001 NE 86th Stsingle_family332,216$1,640,0002026-09-01
101 NE 63rd Stsingle_family311,128$395,0002026-08-31
870 NE 97th Stsingle_family331,479$1,015,0002026-08-31
1450 NE 102nd Stsingle_family332,534$1,750,0002026-08-31
790 NE 96th Stsingle_family341,419$1,250,0002026-08-31
10570 NE 3rd Avesingle_family332,400$1,520,0002026-08-28
601 NE 105th Stsingle_family322,730$950,0002026-08-26
500 NE 95th Stsingle_family211,462$800,0002026-08-25
830 NE 83rd Stsingle_family321,494$930,0002026-08-25
475 NE 91st Stsingle_family321,920$1,230,0002026-08-21
9805 NE 4th Avenue Rdsingle_family321,217$1,025,0002026-08-21
9301 N Bayshore Drsingle_family454,225$8,000,0002026-08-18
1140 NE 87th Stsingle_family332,123$2,400,0002026-08-14
1031 NE 72nd Stsingle_family322,149$2,250,0002026-08-13
436 NE 88th Stsingle_family522,324$2,050,0002026-08-12
6329 NE 1st Avesingle_family21827$210,0002026-08-12
1106 NE 86th Stsingle_family322,072$1,200,0002026-08-11
360 NE 91st Stsingle_family332,042$1,900,0002026-08-10
454 NE 76th Stsingle_family32970$821,0002026-08-10
10610 NE 11th Avesingle_family221,965$1,485,0002026-08-10
666 NE 62nd Stsingle_family221,210$900,0002026-08-07
619 NE 87th Stsingle_family321,489$667,0002026-08-07
1130 NE 104th Stsingle_family322,046$1,350,0002026-08-05
453 NE 89th Stsingle_family321,690$1,350,0002026-08-04
8250 NE 3rd Ctsingle_family331,647$1,035,0002026-08-03
434 NE 77th Stsingle_family321,346$965,0002026-08-03
390 NE 103rd Stsingle_family542,770$1,690,0002026-07-31
124 NE 96th Stsingle_family324,086$2,625,0002026-07-28
273 NE 98th Stsingle_family342,515$2,550,0002026-07-24
1234 NE 96th Stsingle_family565,812$3,125,0002026-07-24
880 NE 72nd Tersingle_family331,716$1,475,0002026-07-23
861 NE 74th Stsingle_family211,221$1,500,0002026-07-23
1090 NE 92nd Stsingle_family423,227$2,435,0002026-07-22
8250 NE 4th Avesingle_family221,376$500,0002026-07-20
6322 NE 5th Avesingle_family422,161$840,0002026-07-17
1110 NE 100th Stsingle_family432,191$1,680,0002026-07-15
9105 NE 5th Avesingle_family321,894$2,300,0002026-07-14
597 NE 93rd Stsingle_family322,798$2,500,0002026-07-10
115 NE 88th Stsingle_family322,257$1,245,0002026-07-10
9880 NE 9th Avesingle_family331,574$1,075,0002026-07-09
8910 NE 9th Ctsingle_family321,434$1,110,0002026-07-08
860 NE 73rd Stsingle_family321,808$1,450,0002026-07-08
9999 NE 12th Avesingle_family322,905$1,651,0002026-07-07
485 NE 96th Stsingle_family332,866$1,640,0002026-07-07
10643 NE 11th Avesingle_family321,739$1,025,0002026-07-06
8730 NE 8th Ctsingle_family21930$725,0002026-07-02
9357 NE 9th Plsingle_family221,324$1,640,0002026-07-01
745 NE 88th Stsingle_family321,721$800,0002026-06-26
1080 NE 86th Stsingle_family231,496$1,375,0002026-06-26
866 NE 99th Stsingle_family331,907$1,150,0002026-06-26

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.

AddressTypeBedsBathsSqftAsking priceDays on market
499 NE 64th Stmulti_family662,483$3,000,000—
1110 NE 84th Stsingle_family67—$3,650,000—
7700 NE 1st Ctsingle_family621,211$615,000—
775 NE 77th Tersingle_family676,902$9,500,000—
7101 NE 10th Avesingle_family678,118$24,850,000—
7115 NE 10th Avesingle_family677,392$18,700,000—
7525 NE Miami Ctmulti_family6102,454$920,000—
169 NE 69th Stmulti_family66—$2,200,000—

10-year hold projection

IRR16.1%
Equity multiple3.46x
Total return (10yr)$2,087,353
YearProperty valueNOICash flowLoan balanceEquity
1$2,882,970$234,981$44,455$2,214,922$668,048
2$2,969,459$242,498$51,525$2,188,977$780,482
3$3,058,543$250,252$58,822$2,161,250$897,293
4$3,150,299$258,250$66,351$2,131,620$1,018,680
5$3,244,808$266,501$74,121$2,099,954$1,144,854
6$3,342,152$275,012$82,140$2,066,114$1,276,038
7$3,442,417$283,791$90,414$2,029,950$1,412,467
8$3,545,689$292,846$98,952$1,991,303$1,554,387
9$3,652,060$302,187$107,762$1,950,002$1,702,059
10$3,761,622$311,822$116,854$1,905,864$1,855,758
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.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.