9840 SW 3rd St
Miami, FL 33174 · single_family · For Sale · 54 days on market
Asking price$950,000
4 beds 2 baths 1,959 sqft
Suggested offer$710,823$239,177 above the est. market value of $710,823.
View on Realtor.com →Listed by Patrick Burns · Real Broker LLC
Typesingle_family
Built1980
Price / sqft$485
Est. value (own analysis)$710,823
Rent estimate (own analysis)$4,500/mo
HOANone
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Statusfor_sale
Listed date2026-07-10
Removed date—
MLSMiamiMLS #A12047488
Coordinates25.76590, -80.35528
Address9840 SW 3rd St
CityMiami
StateFL
Zip33174
Listing ID5846254961
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33174)
Typical home value (ZHVI)$448,390
Typical rent (ZORI)$2,762/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 | $950,000 |
| Down payment (20.0%) | $190,000 |
| Loan amount | $760,000 |
| Closing costs (5.0%) | $47,500 |
| Total cash to close | $237,500 |
| Income | |
| Rent (comp-derived) | $4,500$54,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,140$49,680 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,504$18,050 |
| Insurance (placeholder 0.8% of price) | $633$7,600 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $225$2,700 |
| Total operating expenses | $2,363$28,350 |
| 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) | $225$2,700 |
| 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
Widened to city-wide. 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 | 3 | 2,431 | $7,500 | 2026-08-21 | — | |
| single_family | 4 | 3 | 2,552 | $5,200 | 2026-08-21 | — | |
| single_family | 4 | 3 | 2,526 | $6,500 | 2026-08-20 | — | |
| single_family | 4 | 3 | 1,895 | $4,300 | 2026-08-20 | — | |
| single_family | 4 | 2 | 1,754 | $7,200 | 2026-08-19 | — | |
| single_family | 4 | 3 | 1,940 | $4,300 | 2026-08-19 | — | |
| single_family | 4 | 5 | 2,466 | $17,000 | 2026-08-19 | — | |
| single_family | 4 | 3 | 2,103 | $8,500 | 2026-08-18 | — | |
| single_family | 4 | 3 | 1,584 | $3,600 | 2026-08-18 | — | |
| single_family | 4 | 3 | 2,146 | $3,800 | 2026-08-18 | — | |
| single_family | 4 | 5 | 2,307 | $4,900 | 2026-08-18 | — | |
| single_family | 4 | 3 | 2,304 | $3,400 | 2026-08-17 | — | |
| single_family | 4 | 3 | 2,627 | $5,700 | 2026-08-15 | — | |
| single_family | 4 | 3 | 1,696 | $7,500 | 2026-08-14 | — | |
| single_family | 4 | 3 | 1,900 | $10,000 | 2026-08-14 | — | |
| single_family | 4 | 2 | 1,650 | $3,500 | 2026-08-14 | — | |
| single_family | 4 | 3 | 2,459 | $4,500 | 2026-08-14 | — | |
| single_family | 4 | 2 | 2,149 | $3,900 | 2026-08-13 | — | |
| single_family | 4 | 2 | 1,930 | $4,350 | 2026-08-13 | — | |
| single_family | 4 | 2 | 2,115 | $3,800 | 2026-08-13 | — | |
| single_family | 4 | 2 | 1,518 | $4,000 | 2026-08-13 | — | |
| single_family | 4 | 2 | 1,627 | $3,850 | 2026-08-12 | — | |
| single_family | 4 | 4 | 2,080 | $9,450 | 2026-08-12 | — | |
| single_family | 4 | 2 | 1,473 | $3,950 | 2026-08-12 | — | |
| single_family | 4 | 2 | 2,053 | $4,500 | 2026-08-11 | — | |
| single_family | 4 | 2 | 1,499 | $4,100 | 2026-08-11 | — | |
| single_family | 4 | 3 | 2,152 | $4,000 | 2026-08-10 | — | |
| single_family | 4 | 4 | 2,160 | $9,000 | 2026-08-10 | — | |
| single_family | 4 | 2 | 1,793 | $3,850 | 2026-08-10 | — | |
| single_family | 4 | 2 | 1,616 | $3,800 | 2026-08-09 | — | |
| single_family | 4 | 3 | 1,895 | $4,300 | 2026-08-09 | — | |
| single_family | 4 | 3 | 2,528 | $4,500 | 2026-08-08 | — | |
| single_family | 4 | 3 | 1,937 | $5,300 | 2026-08-07 | — | |
| single_family | 4 | 2 | 1,634 | $4,950 | 2026-08-07 | — | |
| single_family | 4 | 5 | 2,594 | $7,000 | 2026-08-07 | — | |
| single_family | 4 | 3 | 1,922 | $3,500 | 2026-08-07 | — | |
| single_family | 4 | 2 | 2,326 | $4,600 | 2026-08-06 | — | |
| single_family | 4 | 2 | 1,534 | $4,900 | 2026-08-05 | — | |
| single_family | 4 | 3 | 2,239 | $4,200 | 2026-07-27 | — | |
| single_family | 4 | 2 | 1,577 | $3,500 | 2026-07-27 | — | |
| single_family | 4 | 2 | 1,486 | $4,500 | 2026-07-27 | — | |
| single_family | 4 | 3 | 1,839 | $4,000 | 2026-07-25 | — | |
| single_family | 4 | 3 | 2,541 | $5,800 | 2026-07-22 | — | |
| single_family | 4 | 3 | 2,239 | $4,000 | 2026-07-22 | — | |
| single_family | 4 | 3 | 1,675 | $3,350 | — | — | |
| single_family | 4 | 3 | 1,655 | $5,300 | 2026-07-22 | — | |
| single_family | 4 | 3 | 2,378 | $3,950 | 2026-07-20 | — | |
| single_family | 4 | 3 | 1,812 | $4,000 | 2026-07-18 | — | |
| single_family | 4 | 2 | 1,825 | $4,500 | 2026-07-17 | — | |
| single_family | 4 | 2 | 2,324 | $6,250 | 2026-07-16 | — | |
| single_family | 4 | 2 | 1,408 | $5,000 | 2026-07-15 | — | |
| single_family | 4 | 3 | 2,452 | $9,000 | 2026-07-14 | — | |
| single_family | 4 | 3 | 1,957 | $12,000 | 2026-07-14 | — | |
| single_family | 4 | 3 | 2,405 | $6,200 | 2026-07-12 | — | |
| single_family | 4 | 3 | 2,622 | $18,403 | 2026-07-10 | — | |
| single_family | 4 | 2 | 1,681 | $4,350 | 2026-07-10 | — | |
| single_family | 4 | 3 | 2,279 | $8,100 | 2026-07-09 | — | |
| single_family | 4 | 4 | 2,401 | $4,900 | 2026-07-08 | — | |
| single_family | 4 | 3 | 2,638 | $4,700 | 2026-07-07 | — | |
| single_family | 4 | 2 | 1,935 | $4,000 | 2026-07-06 | — | |
| single_family | 4 | 3 | 1,989 | $3,500 | 2026-07-06 | — | |
| single_family | 4 | 3 | 2,000 | $4,600 | 2026-07-06 | — | |
| single_family | 4 | 3 | 2,296 | $6,600 | 2026-07-06 | — | |
| single_family | 4 | 3 | 2,400 | $7,998 | 2026-07-02 | — | |
| single_family | 4 | 3 | 1,744 | $3,850 | 2026-07-02 | — | |
| single_family | 4 | 3 | 2,391 | $6,300 | 2026-07-01 | — | |
| single_family | 4 | 2 | 2,316 | $4,500 | 2026-07-01 | — | |
| single_family | 4 | 2 | 1,799 | $6,500 | 2026-07-01 | — | |
| single_family | 4 | 3 | 2,045 | $9,000 | 2026-06-30 | — | |
| single_family | 4 | 2 | 2,568 | $5,200 | 2026-06-30 | — | |
| single_family | 4 | 2 | 2,359 | $4,500 | 2026-06-29 | — | |
| single_family | 4 | 2 | 2,037 | $5,900 | 2026-06-26 | — | |
| single_family | 4 | 2 | 1,377 | $3,230 | 2026-06-26 | — | |
| single_family | 4 | 3 | 2,211 | $4,900 | 2026-06-24 | — | |
| single_family | 4 | 3 | 2,417 | $8,500 | 2026-06-23 | — | |
| single_family | 4 | 2 | 1,874 | $3,650 | 2026-06-22 | — | |
| single_family | 4 | 3 | 1,802 | $3,850 | 2026-06-19 | — | |
| single_family | 4 | 3 | 1,749 | $5,500 | 2026-06-17 | — | |
| single_family | 4 | 2 | 1,740 | $4,800 | 2026-06-17 | — | |
| single_family | 4 | 4 | 1,538 | $3,850 | 2026-06-16 | — | |
| single_family | 4 | 3 | 2,376 | $4,200 | 2026-06-16 | — | |
| single_family | 4 | 3 | 1,585 | $3,800 | 2026-06-12 | — | |
| single_family | 4 | 4 | 1,701 | $4,250 | 2026-06-10 | — | |
| single_family | 4 | 2 | 1,550 | $4,200 | 2026-06-10 | — | |
| single_family | 4 | 3 | 1,588 | $6,000 | 2026-06-09 | — | |
| single_family | 4 | 4 | 2,314 | $16,800 | 2026-06-08 | — | |
| single_family | 4 | 3 | 1,534 | $3,210 | 2026-06-06 | — | |
| single_family | 4 | 3 | 2,512 | $5,500 | 2026-06-05 | — | |
| single_family | 4 | 3 | 1,796 | $5,500 | 2026-06-05 | — | |
| single_family | 4 | 2 | 2,529 | $7,900 | 2026-06-03 | — | |
| single_family | 4 | 2 | 1,652 | $6,000 | 2026-06-02 | — | |
| single_family | 4 | 3 | 2,284 | $10,900 | 2026-06-01 | — | |
| single_family | 4 | 4 | 2,528 | $7,000 | 2026-05-30 | — | |
| single_family | 4 | 2 | 1,400 | $4,300 | 2026-05-26 | — | |
| single_family | 4 | 3 | 1,788 | $7,600 | 2026-05-24 | — | |
| single_family | 4 | 2 | 1,955 | $10,000 | 2026-05-22 | — | |
| single_family | 4 | 4 | 2,517 | $11,500 | 2026-05-22 | — | |
| single_family | 4 | 2 | 2,185 | $3,800 | 2026-05-22 | — | |
| single_family | 4 | 3 | 2,050 | $10,000 | 2026-05-21 | — | |
| single_family | 4 | 3 | 2,075 | $8,750 | 2026-05-21 | — | |
| single_family | 4 | 4 | 2,252 | $6,200 | 2026-05-11 | — | |
| single_family | 4 | 2 | 1,434 | $3,600 | 2026-05-05 | — | |
| single_family | 4 | 2 | 1,708 | $3,700 | 2026-05-04 | — | |
| single_family | 4 | 2 | 1,786 | $4,400 | 2026-05-01 | — | |
| single_family | 4 | 2 | 2,390 | $3,800 | 2026-04-28 | — | |
| single_family | 4 | 2 | 1,427 | $4,200 | 2026-08-04 | — | |
| single_family | 4 | 2 | 1,876 | $4,950 | 2026-08-04 | — | |
| single_family | 4 | 3 | 1,468 | $5,250 | 2026-08-04 | — | |
| single_family | 4 | 3 | 2,349 | $4,900 | 2026-08-03 | — | |
| single_family | 4 | 2 | 2,364 | $7,000 | 2026-08-03 | — | |
| single_family | 4 | 2 | 1,436 | $4,000 | 2026-08-03 | — | |
| single_family | 4 | 2 | 2,300 | $5,200 | 2026-08-03 | — | |
| single_family | 4 | 2 | 1,649 | $4,900 | 2026-08-03 | — | |
| single_family | 4 | 2 | 1,734 | $3,600 | 2026-07-30 | — | |
| single_family | 4 | 4 | 2,017 | $5,600 | 2026-07-28 | — | |
| single_family | 4 | 2 | 1,663 | $3,800 | 2026-07-28 | — | |
| single_family | 4 | 3 | 2,100 | $4,099 | 2026-07-27 | — | |
| single_family | 4 | 3 | 1,859 | $4,000 | 2026-04-20 | — | |
| single_family | 4 | 2 | 2,408 | $6,550 | 2026-06-02 | — | |
| single_family | 4 | 3 | 2,222 | $3,895 | — | — | |
| single_family | 4 | 2 | 1,684 | $2,830 | — | — | |
| single_family | 4 | 3 | 2,114 | $3,335 | — | — | |
| single_family | 4 | 2 | 1,865 | $3,380 | — | — | |
| single_family | 4 | 2 | 2,109 | $3,460 | — | — | |
| single_family | 4 | 2 | 1,949 | $3,190 | — | — | |
| single_family | 4 | 3 | 2,173 | $3,435 | — | — | |
| single_family | 4 | 2 | 2,280 | $3,995 | — | — | |
| single_family | 4 | 3 | 1,900 | $3,190 | — | — | |
| single_family | 4 | 3 | 2,315 | $3,620 | — | — | |
| single_family | 4 | 3 | 2,277 | $4,095 | — | — | |
| single_family | 4 | 2 | 1,752 | $3,655 | — | — | |
| single_family | 4 | 3 | 2,625 | $3,995 | — | — | |
| single_family | 4 | 3 | 2,328 | $3,790 | — | — | |
| single_family | 4 | 3 | 1,775 | $3,295 | — | — | |
| single_family | 4 | 4 | 1,938 | $5,200 | 2026-08-23 | — | |
| single_family | 4 | 2 | 2,324 | $4,200 | 2026-08-21 | — | |
| single_family | 4 | 2 | 1,729 | $4,800 | 2026-03-11 | — | |
| single_family | 4 | 3 | 2,622 | $5,000 | 2026-08-24 | — | |
| single_family | 4 | 1 | 2,326 | $3,700 | 2026-01-26 | — | |
| single_family | 4 | 2 | 1,574 | $3,400 | 2026-08-21 | — | |
| single_family | 4 | 2 | 2,247 | $6,500 | 2026-08-22 | — | |
| single_family | 4 | 3 | 2,016 | $3,800 | 2026-03-04 | — | |
| single_family | 4 | 3 | 2,176 | $8,000 | 2026-04-24 | — | |
| single_family | 4 | 2 | 1,843 | $3,900 | 2026-02-25 | — | |
| single_family | 4 | 3 | 1,717 | $5,000 | 2026-02-23 | — | |
| single_family | 4 | 3 | 1,960 | $4,250 | 2026-05-18 | — | |
| single_family | 4 | 3 | 1,910 | $4,500 | 2026-03-11 | — | |
| single_family | 4 | 3 | 2,225 | $5,200 | 2026-04-07 | — | |
| single_family | 4 | 3 | 1,347 | $3,450 | 2026-04-03 | — | |
| single_family | 4 | 4 | 2,436 | $16,000 | 2026-02-16 | — | |
| single_family | 4 | 5 | 2,500 | $10,500 | 2026-03-18 | — | |
| single_family | 4 | 2 | 2,073 | $6,900 | 2025-04-02 | — | |
| single_family | 4 | 2 | 1,363 | $3,675 | 2026-01-31 | — | |
| single_family | 4 | 2 | 1,781 | $6,500 | 2026-04-15 | — | |
| single_family | 4 | 2 | 1,330 | $3,700 | — | — | |
| single_family | 4 | 3 | 2,614 | $4,200 | — | — | |
| single_family | 4 | 3 | 2,122 | $6,200 | — | — | |
| single_family | 4 | 2 | 2,027 | $3,600 | — | — | |
| single_family | 4 | 2 | 1,330 | $3,200 | — | — | |
| single_family | 4 | 3 | 1,908 | $5,100 | 2026-08-25 | — | |
| single_family | 4 | 3 | 2,287 | $5,200 | — | — | |
| single_family | 4 | 3 | 2,408 | $4,000 | — | — | |
| single_family | 4 | 3 | 2,290 | $3,575 | — | — | |
| single_family | 4 | 2 | 1,436 | $4,200 | — | — | |
| single_family | 4 | 2 | 2,027 | $3,850 | — | — | |
| single_family | 4 | 3 | 1,910 | $3,300 | — | — |
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 |
|---|---|---|---|---|---|---|
| 9724 SW 4th Ter | single_family | 4 | 2 | 1,987 | $835,000 | 2026-08-17 |
| 8947 SW 12th St | single_family | 4 | 2 | 1,972 | $690,000 | 2026-07-27 |
| 1519 SW 103rd Ave | single_family | 4 | 2 | 1,696 | $750,000 | 2026-07-07 |
| 8922 SW 10th Ter | single_family | 4 | 2 | 2,481 | $890,000 | 2026-06-22 |
| 8961 SW 6th St | single_family | 4 | 2 | 1,616 | $740,000 | 2026-06-05 |
| 1220 SW 103rd Ct | single_family | 4 | 2 | 2,698 | $775,000 | 2026-06-02 |
| 660 SW 89th Ct | single_family | 4 | 3 | 1,783 | $615,000 | 2026-05-27 |
| 9961 SW 12th St | single_family | 4 | 2 | 2,271 | $768,000 | 2026-05-18 |
| 1550 SW 89th Ct | single_family | 4 | 3 | 2,011 | $1,160,000 | 2026-05-15 |
| 9741 SW 3rd St | single_family | 4 | 2 | 2,498 | $830,000 | 2026-05-06 |
| 10290 SW 7th Ter | single_family | 4 | 3 | 2,166 | $1,100,000 | 2026-04-23 |
| 521 SW 99th Ave | single_family | 4 | 3 | 2,324 | $735,000 | 2026-04-01 |
| 9730 SW 5th St | single_family | 4 | 2 | 2,414 | $725,000 | 2026-03-11 |
| 1101 SW 102nd Ct | single_family | 4 | 2 | 1,890 | $725,000 | 2026-02-04 |
| 9645 SW 10th Ter | single_family | 4 | 3 | 2,314 | $930,000 | 2026-01-22 |
| 10371 SW 5th St | single_family | 4 | 2 | 1,665 | $595,000 | 2026-01-05 |
| 1331 SW 102nd Ave | single_family | 4 | 2 | 1,826 | $665,000 | 2025-12-18 |
| 525 SW 87th Ave | single_family | 4 | 4 | 2,984 | $1,825,000 | 2025-12-04 |
| 971 SW 88th Ave | single_family | 4 | 3 | 2,396 | $785,000 | 2025-11-17 |
| 520 SW 90th Ct | single_family | 4 | 4 | 1,818 | $690,000 | 2025-10-21 |
| 8928 SW 6th St | single_family | 4 | 2 | 1,622 | $735,000 | 2025-10-14 |
| 636 SW 88th Pl E | single_family | 4 | 3 | 1,881 | $680,000 | 2025-10-01 |
| 170 SW 104th Ct | single_family | 4 | 2 | 1,707 | $635,000 | 2025-09-26 |
| 9972 SW 4th St | single_family | 4 | 3 | 2,006 | $725,000 | 2025-09-24 |
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 |
|---|---|---|---|---|---|---|
| 225 SW 102nd Pl | single_family | 4 | 3 | 2,605 | $889,000 | — |
| 11016 SW 7th St | multi_family | 4 | 2 | 1,595 | $679,900 | — |
| 232 SW 102nd Ave | single_family | 4 | 3 | 2,334 | $789,900 | — |
| 11206 SW 1st St | single_family | 4 | 2 | 1,714 | $749,000 | — |
| 11472 SW 4th St | single_family | 4 | 2 | 1,209 | $610,000 | — |
| 8936 SW 11th St | single_family | 4 | 3 | 2,458 | $879,000 | — |
10-year hold projection
IRR-1.2%
Equity multiple0.80x
Total return (10yr)$75,442
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $978,500 | $21,330 | -$39,978 | $751,760 | $226,740 |
| 2 | $1,007,855 | $22,112 | -$39,263 | $742,954 | $264,901 |
| 3 | $1,038,091 | $22,920 | -$38,524 | $733,543 | $304,547 |
| 4 | $1,069,233 | $23,757 | -$37,758 | $723,487 | $345,747 |
| 5 | $1,101,310 | $24,622 | -$36,966 | $712,739 | $388,571 |
| 6 | $1,134,350 | $25,517 | -$36,145 | $701,254 | $433,096 |
| 7 | $1,168,380 | $26,443 | -$35,295 | $688,980 | $479,401 |
| 8 | $1,203,432 | $27,401 | -$34,416 | $675,862 | $527,569 |
| 9 | $1,239,535 | $28,391 | -$33,506 | $661,845 | $577,690 |
| 10 | $1,276,721 | $29,416 | -$32,564 | $646,864 | $629,856 |
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.