634 NE 72nd Ter
Miami, FL 33138 · single_family · For Sale · 118 days on market
Asking price$1,099,000
2 beds 1 baths 1,530 sqft
Listed by Carlota Fonseca · Ng International Realty Llc
Typesingle_family
Built1947
Price / sqft$718
Est. value (own analysis)$1,147,133
Rent estimate (own analysis)$3,800/mo
HOANone
1 / 46
Show every detail
Statusfor_sale
Listed date2026-05-07
Removed date—
MLSMiamiMLS #A12015124
Coordinates25.84150, -80.18359
Address634 NE 72nd Ter
CityMiami
StateFL
Zip33138
Listing ID5852631992
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 | $1,099,000 |
| Down payment (20.0%) | $219,800 |
| Loan amount | $879,200 |
| Closing costs (5.0%) | $54,950 |
| Total cash to close | $274,750 |
| Income | |
| Rent (comp-derived) | $3,800$45,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,496$41,952 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,740$20,881 |
| Insurance (placeholder 0.8% of price) | $733$8,792 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $190$2,280 |
| Total operating expenses | $2,663$31,953 |
| 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) | $190$2,280 |
| 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 | 1,050 | $3,250 | 2026-07-15 | — | |
| single_family | 2 | 2 | 1,166 | $4,000 | 2026-07-08 | — | |
| single_family | 2 | 1 | 1,873 | $3,600 | 2026-05-22 | — | |
| single_family | 2 | 2 | 1,072 | $8,900 | 2026-04-02 | — | |
| single_family | 2 | 1 | 1,100 | $2,500 | 2026-05-03 | — | |
| single_family | 2 | 2 | 1,582 | $5,900 | 2026-07-08 | — |
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 |
|---|---|---|---|---|---|---|
| 500 NE 95th St | single_family | 2 | 1 | 1,462 | $800,000 | 2026-08-25 |
| 6329 NE 1st Ave | single_family | 2 | 1 | 827 | $210,000 | 2026-08-12 |
| 10610 NE 11th Ave | single_family | 2 | 2 | 1,965 | $1,485,000 | 2026-08-10 |
| 666 NE 62nd St | single_family | 2 | 2 | 1,210 | $900,000 | 2026-08-07 |
| 861 NE 74th St | single_family | 2 | 1 | 1,221 | $1,500,000 | 2026-07-23 |
| 8250 NE 4th Ave | single_family | 2 | 2 | 1,376 | $500,000 | 2026-07-20 |
| 8730 NE 8th Ct | single_family | 2 | 1 | 930 | $725,000 | 2026-07-02 |
| 9357 NE 9th Pl | single_family | 2 | 2 | 1,324 | $1,640,000 | 2026-07-01 |
| 1080 NE 86th St | single_family | 2 | 3 | 1,496 | $1,375,000 | 2026-06-26 |
| 525 NE 101st St | single_family | 2 | 2 | 1,763 | $3,725,000 | 2026-06-25 |
| 8634 NE 10th Ave | single_family | 2 | 1 | 1,043 | $450,000 | 2026-06-17 |
| 820 NE 82nd Ter | single_family | 2 | 1 | 1,281 | $640,000 | 2026-06-11 |
| 234 NE 99th St | single_family | 2 | 2 | 1,418 | $1,200,000 | 2026-06-09 |
| 10025 NE 3rd Ave | single_family | 2 | 2 | 1,706 | $1,300,000 | 2026-06-05 |
| 420 NE 87th St | single_family | 2 | 2 | 1,365 | $1,010,000 | 2026-06-05 |
| 720 NE 75th St | single_family | 2 | 2 | 1,278 | $1,100,000 | 2026-06-04 |
| 680 NE 81st St | single_family | 2 | 2 | 1,304 | $880,000 | 2026-05-20 |
| 985 NE 84th St | single_family | 2 | 2 | 2,067 | $1,150,000 | 2026-05-15 |
| 8501 E Dixie Hwy | single_family | 2 | 2 | 1,129 | $600,000 | 2026-05-05 |
| 101 NE 104th St | single_family | 2 | 2 | 1,796 | $895,000 | 2026-04-21 |
| 1226 NE 100th St | single_family | 2 | 2 | 2,085 | $1,847,000 | 2026-03-30 |
| 112 NE 98th St | single_family | 2 | 2 | 1,062 | $1,045,000 | 2026-03-27 |
| 1071 NE 85th St | single_family | 2 | 2 | 1,613 | $1,375,000 | 2026-03-20 |
| 715 NE 70th St | single_family | 2 | 3 | 1,977 | $1,600,000 | 2026-03-20 |
| 428 NE 71st St | single_family | 2 | 1 | 1,355 | $649,000 | 2026-03-17 |
| 9547507660 | single_family | 2 | 1 | 1,394 | $500,000 | 2026-02-27 |
| 911 NE 72nd Ter | single_family | 2 | 1 | 1,334 | $1,250,000 | 2026-02-18 |
| 811 NE 71st St | single_family | 2 | 3 | 1,452 | $1,225,000 | 2026-01-30 |
| 115 NE 87th St | single_family | 2 | 1 | 1,490 | $700,000 | 2025-12-31 |
| 7520 NE 5th Ave | single_family | 2 | 2 | 1,519 | $465,000 | 2025-12-23 |
| 758 NE 95th St | single_family | 2 | 1 | 1,160 | $914,000 | 2025-12-12 |
| 129 NE 87th St | single_family | 2 | 2 | 2,039 | $925,000 | 2025-12-12 |
| 373 NE 104th St | single_family | 2 | 2 | 1,505 | $1,300,000 | 2025-11-24 |
| 660 NE 67th St | single_family | 2 | 1 | 1,470 | $736,000 | 2025-11-12 |
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 |
|---|---|---|---|---|---|---|
| 830 NE 72nd St | single_family | 2 | 2 | 1,053 | $1,250,000 | — |
| 4000 Towerside Ter Apt 308 | condos | 2 | 2 | 1,465 | $397,000 | — |
| 780 NE 69th St Apt 1210 | condos | 2 | 2 | 1,316 | $550,000 | — |
| 780 NE 69th St Apt 808 | condos | 2 | 2 | 1,219 | $419,000 | — |
| 446 NE 64th St | single_family | 2 | 2 | 1,024 | $799,000 | — |
| 801 NE 70th St | single_family | 2 | 1 | 962 | $995,000 | — |
| 6220 NE Miami Pl | single_family | 2 | 1 | 880 | $1,800,000 | — |
| 4000 Towerside Ter Apt 1407 | condos | 2 | 2 | 1,164 | $370,000 | — |
10-year hold projection
IRR-4.7%
Equity multiple0.22x
Total return (10yr)-$71,744
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,131,970 | $9,999 | -$60,081 | $869,667 | $262,303 |
| 2 | $1,165,929 | $10,459 | -$59,678 | $859,480 | $306,449 |
| 3 | $1,200,907 | $10,936 | -$59,259 | $848,594 | $352,313 |
| 4 | $1,236,934 | $11,432 | -$58,823 | $836,959 | $399,975 |
| 5 | $1,274,042 | $11,947 | -$58,369 | $824,526 | $449,516 |
| 6 | $1,312,263 | $12,482 | -$57,897 | $811,239 | $501,024 |
| 7 | $1,351,631 | $13,037 | -$57,407 | $797,040 | $554,592 |
| 8 | $1,392,180 | $13,614 | -$56,896 | $781,865 | $610,315 |
| 9 | $1,433,946 | $14,212 | -$56,366 | $765,648 | $668,297 |
| 10 | $1,476,964 | $14,833 | -$55,814 | $748,318 | $728,646 |
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.