320 SW 125th Ave
Miami, FL 33184 · single_family · For Sale · 112 days on market
Asking price$3,250,000
5 beds 6 baths 3,919 sqft
Suggested offer$1,641,826$1,608,174 above the est. market value of $1,641,826.
View on Realtor.com →Listed by Eddy Rodriguez · EXP Realty, LLC
Typesingle_family
Built2020
Price / sqft$829
Est. value (own analysis)$1,641,826
Rent estimate (own analysis)$11,000/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeWildfire4/10ModerateAir2/10MinorFlood1/10minimal$
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Statusfor_sale
Listed date2026-05-13
Removed date—
MLSMiamiMLS #A12018073
Coordinates25.76454, -80.39938
Address320 SW 125th Ave
CityMiami
StateFL
Zip33184
Listing ID5884307706
Sourceus-real-estate-listings, cached 2026-09-02
ZIP market snapshot (33184)
Typical home value (ZHVI)$569,847
Typical rent (ZORI)$3,033/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 | $3,250,000 |
| Down payment (20.0%) | $650,000 |
| Loan amount | $2,600,000 |
| Closing costs (5.0%) | $162,500 |
| Total cash to close | $812,500 |
| Income | |
| Rent (comp-derived) | $11,000$132,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $10,120$121,440 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $5,146$61,750 |
| Insurance (est. scaled by flood & wind risk) | $3,250$39,000 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $550$6,600 |
| Total operating expenses | $8,946$107,350 |
| 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) | $550$6,600 |
| 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 | 5 | 4 | 2,905 | $5,725 | 2026-09-01 | — | |
| single_family | 5 | 3 | 3,002 | $12,000 | 2026-08-19 | — | |
| single_family | 5 | 6 | 4,212 | $11,000 | 2026-08-19 | — | |
| single_family | 5 | 3 | 3,050 | $5,999 | 2026-08-18 | — | |
| single_family | 5 | 5 | 3,827 | $12,000 | 2026-08-15 | — | |
| single_family | 5 | 4 | 4,188 | $11,000 | 2026-08-10 | — | |
| single_family | 5 | 7 | 3,782 | $19,000 | 2026-07-23 | — | |
| single_family | 5 | 3 | 2,711 | $4,550 | 2026-07-19 | — | |
| single_family | 5 | 3 | 2,781 | $14,500 | 2026-07-18 | — | |
| single_family | 5 | 4 | 3,073 | $5,000 | 2026-07-18 | — | |
| single_family | 5 | 4 | 3,073 | $5,000 | 2026-07-13 | — | |
| single_family | 5 | 3 | 2,733 | $6,300 | 2026-07-12 | — | |
| single_family | 5 | 3 | 3,001 | $5,200 | 2026-07-07 | — | |
| single_family | 5 | 3 | 3,502 | $11,500 | 2026-07-06 | — | |
| single_family | 5 | 6 | 3,716 | $6,000 | 2026-07-02 | — | |
| single_family | 5 | 4 | 3,200 | $17,500 | 2026-07-01 | — | |
| single_family | 5 | 4 | 3,889 | $14,000 | 2026-06-29 | — | |
| single_family | 5 | 6 | 4,830 | $11,000 | 2026-06-26 | — | |
| single_family | 5 | 4 | 3,294 | $5,995 | 2026-08-24 | — | |
| single_family | 5 | 2 | 2,597 | $13,500 | 2026-06-25 | — | |
| single_family | 5 | 5 | 4,136 | $11,500 | 2026-06-24 | — | |
| single_family | 5 | 5 | 4,197 | $19,900 | 2026-06-17 | — | |
| single_family | 5 | 4 | 3,114 | $16,000 | 2026-06-17 | — | |
| single_family | 5 | 4 | 3,518 | $13,950 | 2026-06-17 | — | |
| single_family | 5 | 5 | 3,696 | $8,250 | 2026-06-05 | — | |
| single_family | 5 | 4 | 4,269 | $14,000 | 2026-06-05 | — | |
| single_family | 5 | 5 | 3,721 | $21,500 | 2026-05-27 | — | |
| single_family | 5 | 5 | 4,400 | $18,000 | 2026-05-26 | — | |
| single_family | 5 | 3 | 3,727 | $8,500 | 2026-05-13 | — | |
| single_family | 5 | 5 | 3,593 | $8,500 | 2026-08-03 | — | |
| single_family | 5 | 4 | 3,082 | $8,000 | 2026-07-31 | — | |
| single_family | 5 | 3 | 3,780 | $15,000 | 2024-10-29 | — | |
| single_family | 5 | 4 | 2,916 | $6,000 | 2026-08-23 | — | |
| single_family | 5 | 4 | 4,084 | $17,000 | 2025-11-14 | — | |
| single_family | 5 | 5 | 4,205 | $8,500 | 2025-08-26 | — | |
| single_family | 5 | 5 | 4,119 | $18,500 | 2026-04-01 | — | |
| single_family | 5 | 5 | 4,057 | $14,950 | 2026-04-20 | — | |
| single_family | 5 | 3 | 2,946 | $5,000 | — | — | |
| single_family | 5 | 4 | 2,916 | $6,000 | 2026-08-25 | — | |
| single_family | 5 | 3 | 2,589 | $4,795 | — | — | |
| single_family | 5 | 3 | 3,114 | $5,900 | — | — | |
| single_family | 5 | 4 | 3,843 | $8,250 | — | — | |
| single_family | 5 | 3 | 4,185 | $15,000 | — | — | |
| single_family | 5 | 4 | 3,103 | $10,000 | — | — | |
| single_family | 5 | 5 | 3,629 | $25,000 | — | — | |
| single_family | 5 | 3 | 2,719 | $4,750 | — | — | |
| single_family | 5 | 5 | 4,205 | $8,500 | 2025-11-27 | — | |
| single_family | 5 | 4 | 3,160 | $21,000 | 2026-08-27 | — |
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 |
|---|---|---|---|---|---|---|
| 50 SW 130th Ave | single_family | 5 | 2 | 3,304 | $1,900,000 | 2026-08-07 |
| 14040 SW 14th St | single_family | 5 | 4 | 3,263 | $1,451,000 | 2026-01-27 |
| 14425 SW 13th Ter | single_family | 5 | 4 | 2,751 | $1,000,000 | 2025-12-02 |
| 150 SW 123rd Ave | single_family | 5 | 4 | 3,406 | $3,625,000 | 2025-10-31 |
| 28 SW 136th Pl | single_family | 5 | 3 | 2,880 | $880,000 | 2025-10-31 |
| 996 SW 143rd Ct | single_family | 5 | 4 | 1,882 | $740,000 | 2025-10-30 |
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 |
|---|---|---|---|---|---|---|
| 1220 SW 139th Ave | single_family | 5 | 4 | 1,834 | $750,000 | — |
| 1013 SW 128th Ave | mobile | 5 | 4 | — | $155,000 | — |
| 551 SW 127th Ave | single_family | 5 | 3 | 2,191 | $1,900,000 | — |
| 1133 SW 130th Ave | mobile | 5 | 5 | 2,000 | $150,000 | — |
| 13330 SW 5th St | single_family | 5 | 4 | 2,617 | $2,685,000 | — |
| 14405 SW 13th Ter | single_family | 5 | 4 | 2,751 | $1,395,000 | — |
| 827 SW 128th Ave | mobile | 5 | 4 | 60,696 | $185,000 | — |
| 135 SW 125th Ave | single_family | 5 | 4 | 3,017 | $3,000,000 | — |
10-year hold projection
IRR-5.9%
Equity multiple0.00x
Total return (10yr)-$384,673
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $3,347,500 | $14,090 | -$193,010 | $2,571,810 | $775,690 |
| 2 | $3,447,925 | $15,049 | -$192,215 | $2,541,685 | $906,240 |
| 3 | $3,551,363 | $16,051 | -$191,383 | $2,509,490 | $1,041,872 |
| 4 | $3,657,904 | $17,097 | -$190,511 | $2,475,085 | $1,182,818 |
| 5 | $3,767,641 | $18,187 | -$189,597 | $2,438,317 | $1,329,323 |
| 6 | $3,880,670 | $19,326 | -$188,641 | $2,399,025 | $1,481,645 |
| 7 | $3,997,090 | $20,513 | -$187,641 | $2,357,034 | $1,640,056 |
| 8 | $4,117,003 | $21,750 | -$186,594 | $2,312,159 | $1,804,844 |
| 9 | $4,240,513 | $23,041 | -$185,500 | $2,264,203 | $1,976,310 |
| 10 | $4,367,728 | $24,386 | -$184,356 | $2,212,954 | $2,154,774 |
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.