12680 N Miami Ave
North Miami, FL 33168 · single_family · Pending — under contract · 133 days on market
Asking price$649,000
4 beds 2 baths 1,724 sqft
Suggested offer$635,710$13,290 above the est. market value of $635,710.
View on Realtor.com →Listed by Adi Gal · Sell It Realty, LLC.
Typesingle_family
Built1950
Price / sqft$376
Est. value (own analysis)$635,710
Rent estimate (own analysis)$5,000/mo
HOANone
1 / 62
Show every detail
Statusfor_sale
Listed date2026-04-23
Removed date—
MLSMiamiMLS #A12006415
Coordinates25.89133, -80.19901
Address12680 N Miami Ave
CityNorth Miami
StateFL
Zip33168
Listing ID5949974302
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33168)
Typical home value (ZHVI)$465,034
Typical rent (ZORI)$2,539/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 | $649,000 |
| Down payment (20.0%) | $129,800 |
| Loan amount | $519,200 |
| Closing costs (5.0%) | $32,450 |
| Total cash to close | $162,250 |
| Income | |
| Rent (comp-derived) | $5,000$60,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,600$55,200 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,028$12,331 |
| Insurance (placeholder 0.8% of price) | $433$5,192 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $250$3,000 |
| Total operating expenses | $1,710$20,523 |
| 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) | $250$3,000 |
| 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 | 4 | 3 | 1,212 | $3,500 | 2026-07-16 | — | |
| single_family | 4 | 2 | 1,643 | $4,000 | 2026-08-22 | — | |
| single_family | 4 | 2 | 1,175 | $6,000 | 2026-04-01 | — | |
| single_family | 4 | 2 | 1,624 | $11,500 | 2026-08-31 | — |
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 |
|---|---|---|---|---|---|---|
| 181 NW 110th St | single_family | 4 | 2 | 1,887 | $835,000 | 2026-08-25 |
| 14920 NW 12th Ave | single_family | 4 | 3 | 1,930 | $440,000 | 2026-08-17 |
| 12805 NW 6th Ave | single_family | 4 | 2 | 1,445 | $570,000 | 2026-08-13 |
| 14601 NW 10th Ave | single_family | 4 | 2 | 1,679 | $570,000 | 2026-08-13 |
| 12625 NW 1st Ct | single_family | 4 | 2 | 1,521 | $360,000 | 2026-08-10 |
| 13840 NW 5th Ct | single_family | 4 | 2 | 1,590 | $589,000 | 2026-08-03 |
| 11500 N Miami Ave | single_family | 4 | 2 | 2,130 | $635,000 | 2026-07-27 |
| 1160 NW 110th St | single_family | 4 | 3 | 1,528 | $340,000 | 2026-06-16 |
| 235 NW 127th St | single_family | 4 | 3 | 1,146 | $595,000 | 2026-06-04 |
| 11028 NW 2nd Ave | single_family | 4 | 3 | 1,200 | $835,000 | 2026-06-01 |
| 1151 NW 112th St | single_family | 4 | 2 | — | $565,000 | 2026-05-22 |
| 746 NW 112th St | single_family | 4 | 3 | — | $635,000 | 2026-05-12 |
| 195 NW 115th St | single_family | 4 | 3 | 1,614 | $765,000 | 2026-05-07 |
| 811 NW 112th St | single_family | 4 | 2 | 1,636 | $530,000 | 2026-04-28 |
| 434 NW 110th St | single_family | 4 | 2 | 1,478 | $545,000 | 2026-04-27 |
| 930 NW 145th Ter | single_family | 4 | 2 | 1,414 | $550,000 | 2026-04-10 |
| 14135 N Miami Ave | single_family | 4 | 4 | 4,262 | $1,540,000 | 2026-04-07 |
| 866 NW 108th St | single_family | 4 | 4 | 1,782 | $550,000 | 2026-04-01 |
| 920 NW 133rd St | single_family | 4 | 2 | 2,207 | $350,000 | 2026-03-23 |
| 6092963724 | single_family | 4 | 2 | 1,446 | $458,000 | 2026-03-19 |
| 85 NW 126th St | single_family | 4 | 3 | 1,521 | $530,000 | 2026-03-18 |
| 341 NW 147th St | single_family | 4 | 2 | 1,414 | $507,000 | 2026-02-25 |
| 340 NW 139th St | single_family | 4 | 3 | 1,602 | $650,000 | 2026-02-10 |
| 261 NW 144th St | single_family | 4 | 2 | 1,745 | $615,000 | 2026-02-04 |
| 14000 N Miami Ave | single_family | 4 | 4 | 2,882 | $1,300,000 | 2026-01-10 |
| 1063 NW 145th St | single_family | 4 | 2 | 1,395 | $545,000 | 2025-12-23 |
| 900 NW 127th St | single_family | 4 | 2 | 2,093 | $515,000 | 2025-12-01 |
| 240 NW 146th St | single_family | 4 | 2 | 1,460 | $640,000 | 2025-11-26 |
| 315 NW 127th St | single_family | 4 | 2 | 1,714 | $360,000 | 2025-11-21 |
| 144 NW 110th St | single_family | 4 | 5 | 2,548 | $2,080,000 | 2025-11-10 |
| 13180 NW 11th Ave | single_family | 4 | 2 | 1,190 | $535,000 | 2025-11-07 |
| 301 NW 108th St | single_family | 4 | 3 | 1,889 | $700,000 | 2025-10-21 |
| 50 NW 124th St | single_family | 4 | 3 | 1,599 | $675,000 | 2025-10-17 |
| 13130 NW 1st Ave | single_family | 4 | 2 | 1,991 | $747,000 | 2025-10-09 |
| 814 NW 114th St | single_family | 4 | 2 | 1,595 | $600,000 | 2025-09-25 |
| 1075 NW 124th St | single_family | 4 | 2 | 1,571 | $485,000 | 2025-09-10 |
| 1143 NW 135th St | single_family | 4 | 3 | 1,834 | $355,000 | 2025-09-08 |
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 |
|---|---|---|---|---|---|---|
| 1040 NW 149th St | single_family | 4 | 3 | 1,806 | $649,900 | — |
| 864 NW 116th St | single_family | 4 | 2 | 1,080 | $450,000 | — |
| 65 NW 116th St | single_family | 4 | 2 | 1,320 | $860,000 | — |
| 40 NW 119th St | single_family | 4 | 2 | 1,643 | $699,990 | — |
| 540 NW 111th St | single_family | 4 | 2 | 1,705 | $590,000 | — |
| 841 NW 116th Ter | single_family | 4 | 3 | 1,544 | $615,000 | — |
| single_family | 4 | 2 | 2,135 | $675,000 | — | |
| 730 NW 138th St | single_family | 4 | 2 | 1,724 | $585,000 | — |
10-year hold projection
IRR7.2%
Equity multiple2.14x
Total return (10yr)$269,379
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $668,470 | $34,677 | -$8,361 | $513,571 | $154,899 |
| 2 | $688,524 | $35,820 | -$7,293 | $507,555 | $180,969 |
| 3 | $709,180 | $37,000 | -$6,190 | $501,126 | $208,054 |
| 4 | $730,455 | $38,218 | -$5,051 | $494,255 | $236,200 |
| 5 | $752,369 | $39,475 | -$3,875 | $486,913 | $265,456 |
| 6 | $774,940 | $40,772 | -$2,660 | $479,067 | $295,873 |
| 7 | $798,188 | $42,111 | -$1,406 | $470,681 | $327,507 |
| 8 | $822,134 | $43,494 | -$111 | $461,720 | $360,414 |
| 9 | $846,798 | $44,920 | $1,227 | $452,144 | $394,654 |
| 10 | $872,202 | $46,393 | $2,608 | $441,910 | $430,292 |
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.