430 NE 145th St
Miami, FL 33161 · single_family · Pending — under contract · 99 days on market
Asking price$779,000
5 beds 3 baths 2,180 sqft
Listed by Laszlo Varga · Blueshore Realty, Llc
Typesingle_family
Built1963
Price / sqft$357
Est. value (own analysis)$821,195
Rent estimate (own analysis)$12,000/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood6/10major$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-05-26
Removed date—
MLSMiamiMLS #A12023452
Coordinates25.90812, -80.19056
Address430 NE 145th St
CityMiami
StateFL
Zip33161
Listing ID6165859056
Sourceus-real-estate-listings, cached 2026-09-01
ZIP market snapshot (33161)
Typical home value (ZHVI)$498,596
Typical rent (ZORI)$2,323/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 | $779,000 |
| Down payment (20.0%) | $155,800 |
| Loan amount | $623,200 |
| Closing costs (5.0%) | $38,950 |
| Total cash to close | $194,750 |
| Income | |
| Rent (comp-derived) | $12,000$144,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $11,040$132,480 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,233$14,801 |
| Insurance (est. scaled by flood & wind risk) | $909$10,906 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $600$7,200 |
| Total operating expenses | $2,742$32,907 |
| 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) | $600$7,200 |
| 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 | 5 | 4 | 2,104 | $9,250 | 2026-05-08 | — | |
| single_family | 5 | 3 | 2,572 | $14,000 | 2026-06-29 | — | |
| single_family | 5 | 2 | 1,519 | $5,000 | 2025-09-13 | — | |
| single_family | 5 | 3 | 2,936 | $12,000 | — | — | |
| single_family | 5 | 3 | 2,936 | $12,000 | 2026-07-30 | — |
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 |
|---|---|---|---|---|---|---|
| 14950 NE 2nd Ave | single_family | 5 | 3 | 1,991 | $750,000 | 2026-07-24 |
| 1140 NE 139th St | single_family | 5 | 3 | — | $740,000 | 2026-06-12 |
| 10760 NE 3rd Ave | single_family | 5 | 2 | 3,823 | $1,750,000 | 2026-04-24 |
| 11975 W Biscayne Canal Rd | single_family | 5 | 3 | 1,600 | $1,585,000 | 2026-04-23 |
| 14400 NE 4th Ave | single_family | 5 | 4 | 2,122 | $1,150,000 | 2026-04-13 |
| 545 NE 111th St | single_family | 5 | 3 | 1,570 | $540,000 | 2026-03-26 |
| 290 NE 108th St | single_family | 5 | 6 | 4,561 | $1,060,000 | 2026-02-10 |
| 12905 NE 4th Ave | single_family | 5 | 2 | 2,366 | $725,000 | 2025-11-20 |
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 |
|---|---|---|---|---|---|---|
| 935 NE 149th St | single_family | 5 | 4 | 2,800 | $1,350,000 | — |
| 1286 NE 110th St | multi_family | 5 | 2 | 1,868 | $750,000 | — |
| 1290 NE 110th St | multi_family | 5 | 2 | 1,882 | $750,000 | — |
| 348 NE 117th St | single_family | 5 | 3 | 2,513 | $1,385,000 | — |
| multi_family | 5 | 3 | — | $1,100,000 | — | |
| 161 NE 117th St | multi_family | 5 | 3 | 2,138 | $825,000 | — |
| 1053 NE 149th St | single_family | 5 | 5 | 600 | $449,000 | — |
| 1230 NE 148th St | multi_family | 5 | 3 | 1,920 | $685,000 | — |
10-year hold projection
IRR30.0%
Equity multiple5.35x
Total return (10yr)$949,501
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $802,370 | $99,573 | $44,315 | $616,443 | $185,927 |
| 2 | $826,441 | $102,725 | $47,287 | $609,222 | $217,219 |
| 3 | $851,234 | $105,975 | $50,352 | $601,506 | $249,729 |
| 4 | $876,771 | $109,327 | $53,515 | $593,259 | $283,512 |
| 5 | $903,075 | $112,784 | $56,779 | $584,446 | $318,629 |
| 6 | $930,167 | $116,349 | $60,145 | $575,028 | $355,139 |
| 7 | $958,072 | $120,026 | $63,618 | $564,963 | $393,109 |
| 8 | $986,814 | $123,818 | $67,201 | $554,207 | $432,607 |
| 9 | $1,016,418 | $127,728 | $70,897 | $542,712 | $473,706 |
| 10 | $1,046,911 | $131,760 | $74,710 | $530,428 | $516,483 |
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.