4630 SW 3rd St
Miami, FL 33134 · single_family · For Sale · 18 days on market
Asking price$960,000
3 beds 2 baths 1,468 sqft
Listed by Barbara Serrano Negron · Florida Capital Realty
Typesingle_family
Built1938
Price / sqft$654
Est. value (own analysis)$1,044,893
Rent estimate (own analysis)$6,300/mo
HOANone
1 / 30
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Statusfor_sale
Listed date2026-08-15
Removed date—
MLSMiamiMLS #A12071985
Coordinates25.76861, -80.27139
Address4630 SW 3rd St
CityMiami
StateFL
Zip33134
Listing ID6303169014
Sourceus-real-estate-listings, cached 2026-08-30
ZIP market snapshot (33134)
Typical home value (ZHVI)$887,965
Typical rent (ZORI)$3,095/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 | $960,000 |
| Down payment (20.0%) | $192,000 |
| Loan amount | $768,000 |
| Closing costs (5.0%) | $48,000 |
| Total cash to close | $240,000 |
| Income | |
| Rent (comp-derived) | $6,300$75,600 |
| Vacancy loss (8.0%) | |
| Effective gross income | $5,796$69,552 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,520$18,240 |
| Insurance (placeholder 0.8% of price) | $640$7,680 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $315$3,780 |
| Total operating expenses | $2,475$29,700 |
| 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) | $315$3,780 |
| 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 | 3 | 2 | 1,828 | $6,750 | 2026-07-07 | — | |
| single_family | 3 | 3 | 1,788 | $4,500 | 2026-06-24 | — | |
| single_family | 3 | 2 | 1,432 | $4,750 | 2026-05-17 | — | |
| single_family | 3 | 2 | 1,716 | $8,000 | 2026-07-30 | — | |
| single_family | 3 | 2 | 1,418 | $3,800 | — | — | |
| single_family | 3 | 3 | 1,329 | $4,500 | 2025-04-25 | — | |
| single_family | 3 | 3 | 1,922 | $7,500 | 2026-06-28 | — | |
| single_family | 3 | 2 | 1,385 | $6,750 | 2026-08-24 | — | |
| single_family | 3 | 2 | 1,475 | $6,300 | 2026-07-02 | — | |
| single_family | 3 | 2 | 1,398 | $4,700 | 2026-08-11 | — | |
| single_family | 3 | 1 | 1,178 | $4,150 | 2026-08-21 | — | |
| single_family | 3 | 3 | 1,819 | $13,000 | 2026-07-28 | — | |
| single_family | 3 | 2 | 1,594 | $5,950 | 2026-06-23 | — | |
| single_family | 3 | 2 | 1,396 | $4,250 | 2026-02-10 | — | |
| single_family | 3 | 2 | 1,189 | $7,850 | 2026-04-28 | — | |
| single_family | 3 | 2 | 1,177 | $5,900 | 2026-08-04 | — | |
| single_family | 3 | 2 | 1,700 | $9,000 | 2026-06-04 | — | |
| single_family | 3 | 2 | 1,793 | $7,900 | 2026-07-31 | — | |
| single_family | 3 | 2 | 1,704 | $8,750 | 2026-07-01 | — | |
| single_family | 3 | 2 | 1,146 | $3,650 | — | — | |
| single_family | 3 | 2 | 1,176 | $5,796 | — | — | |
| single_family | 3 | 2 | 1,874 | $9,000 | 2026-08-05 | — | |
| single_family | 3 | 2 | 1,485 | $6,762 | — | — | |
| single_family | 3 | 3 | 1,495 | $11,000 | 2026-09-01 | — | |
| single_family | 3 | 2 | 1,568 | $5,750 | — | — | |
| single_family | 3 | 2 | 1,243 | $10,000 | 2026-08-31 | — | |
| single_family | 3 | 2 | 1,725 | $6,000 | 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 |
|---|---|---|---|---|---|---|
| 1101 Capri St | single_family | 3 | 2 | 1,710 | $1,400,000 | 2026-08-24 |
| 1116 Almeria Ave | single_family | 3 | 2 | 1,493 | $1,750,000 | 2026-08-21 |
| 4345 SW 13th St | single_family | 3 | 2 | 1,783 | $1,275,000 | 2026-08-17 |
| 1119 Lisbon St | single_family | 3 | 2 | 2,000 | $1,450,000 | 2026-08-11 |
| 4756 SW 7th St | single_family | 3 | 1 | 1,285 | $570,000 | 2026-08-11 |
| 809 Angelo Ave | single_family | 3 | 2 | 1,422 | $1,120,000 | 2026-08-03 |
| 5181 SW 5th St | single_family | 3 | 1 | 1,572 | $734,000 | 2026-07-31 |
| 1231 Lisbon St | single_family | 3 | 3 | 1,790 | $1,695,000 | 2026-07-31 |
| 4401 SW 16th St | single_family | 3 | 3 | 1,279 | $879,000 | 2026-07-29 |
| 5401 SW 2nd St | single_family | 3 | 2 | 1,036 | $650,000 | 2026-07-24 |
| 809 Milan Ave | single_family | 3 | 2 | 1,486 | $1,300,000 | 2026-07-23 |
| 4606 SW 1st St | single_family | 3 | 2 | 1,734 | $520,000 | 2026-07-21 |
| 1037 Sevilla Ave | single_family | 3 | 1 | 1,834 | $2,625,000 | 2026-07-17 |
| 644 Navarre Ave | single_family | 3 | 1 | 1,492 | $975,000 | 2026-07-17 |
| 1414 Messina Ave | single_family | 3 | 3 | 1,808 | $1,950,000 | 2026-07-17 |
| 4487 SW 15th Ter | single_family | 3 | 2 | 1,126 | $945,000 | 2026-07-13 |
| 4501 SW 10th St | single_family | 3 | 3 | 2,614 | $1,150,000 | 2026-07-09 |
| 4371 SW 13th Ter | single_family | 3 | 2 | 1,504 | $1,100,000 | 2026-07-08 |
| 1214 Capri St | single_family | 3 | 2 | 1,924 | $2,250,000 | 2026-07-08 |
| 4734 SW 4th St | single_family | 3 | 2 | 1,422 | $639,000 | 2026-07-06 |
| 4420 SW 3rd St | single_family | 3 | 2 | 1,106 | $530,000 | 2026-07-01 |
| 4331 SW 7th St | single_family | 3 | 2 | 1,081 | $705,000 | 2026-06-30 |
| 3111 Anderson Rd | single_family | 3 | 3 | 2,888 | $3,400,000 | 2026-06-29 |
| 104 SW 40th Ave | single_family | 3 | 2 | 1,839 | $795,000 | 2026-06-29 |
| 5260 SW 2nd St | single_family | 3 | 2 | 1,586 | $650,000 | 2026-06-24 |
| 5181 SW 7th St | single_family | 3 | 2 | 1,820 | $720,000 | 2026-06-22 |
| 4255 SW 5th Ter | single_family | 3 | 2 | 1,475 | $605,000 | 2026-06-15 |
| 4240 SW 13th Ter | single_family | 3 | 2 | 1,448 | $200,000 | 2026-06-12 |
| 722 Aledo Ave | single_family | 3 | 4 | 2,537 | $3,850,000 | 2026-06-09 |
| 3715 SW 29th St | single_family | 3 | 3 | 1,595 | $935,000 | 2026-06-09 |
| 2615 Alhambra Cir | single_family | 3 | 2 | 2,878 | $2,750,000 | 2026-06-08 |
| 4301 SW 1st St | single_family | 3 | 2 | 1,327 | $535,000 | 2026-06-05 |
| 5658 SW 1st St | single_family | 3 | 2 | 1,376 | $640,000 | 2026-06-05 |
| 1248 Algeria Ave | single_family | 3 | 2 | 2,728 | $2,222,300 | 2026-06-04 |
| 151 SW 51st Ct | single_family | 3 | 2 | 1,548 | $700,000 | 2026-05-28 |
| 1215 Cordova St | single_family | 3 | 2 | 2,288 | $1,775,000 | 2026-05-27 |
| 307 Sarto Ave | single_family | 3 | 2 | 1,310 | $975,500 | 2026-05-22 |
| 829 Malaga Ave | single_family | 3 | 2 | 1,660 | $1,675,000 | 2026-05-20 |
| 612 Catalonia Ave | single_family | 3 | 2 | 3,609 | $3,400,000 | 2026-05-20 |
| 231 SW 51st Pl | single_family | 3 | 2 | 1,472 | $615,000 | 2026-05-19 |
| 3614 Anderson Rd | single_family | 3 | 3 | 2,936 | $1,700,000 | 2026-05-14 |
| 911 Andres Ave | single_family | 3 | 2 | 1,880 | $1,585,000 | 2026-05-13 |
| 414 Camilo Ave | single_family | 3 | 2 | 1,534 | $1,400,000 | 2026-05-07 |
| 4250 SW 10th St | single_family | 3 | 3 | 1,320 | $816,500 | 2026-05-07 |
| 3801 Toledo St | single_family | 3 | 3 | 2,748 | $2,500,000 | 2026-05-07 |
| 3614 Anderson Rd | single_family | 3 | 3 | 2,936 | $1,700,000 | 2026-05-07 |
| 1320 San Benito Ave | single_family | 3 | 4 | 2,536 | $2,250,000 | 2026-05-06 |
| 412 Zamora Ave | single_family | 3 | 3 | 2,029 | $1,437,500 | 2026-05-05 |
| 4801 SW 5th Ter | single_family | 3 | 2 | 1,850 | $630,000 | 2026-05-05 |
| 3408 Toledo St | single_family | 3 | 4 | 3,513 | $3,490,000 | 2026-05-01 |
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 |
|---|---|---|---|---|---|---|
| 540 SW 39th Ave | single_family | 3 | 3 | 2,496 | $895,000 | — |
| 4353 SW 2nd St | single_family | 3 | 3 | 1,637 | $819,999 | — |
| 4840 SW 5th Ter | single_family | 3 | 2 | 1,365 | $765,000 | — |
| 4261 SW 12th St | single_family | 3 | 2 | 1,508 | $1,080,000 | — |
| 20 SW 48th Ave | single_family | 3 | 2 | 1,535 | $749,500 | — |
| 3730 SW 28th St | townhomes | 3 | 4 | 2,010 | $1,399,000 | — |
| 3769 SW 27th Ln Unit 3769 | townhomes | 3 | 4 | 2,284 | $1,375,000 | — |
| 2931 SW 38th Ct Unit 2 | townhomes | 3 | 3 | 1,900 | $1,374,999 | — |
10-year hold projection
IRR3.9%
Equity multiple1.62x
Total return (10yr)$274,489
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $988,800 | $39,852 | -$23,152 | $759,673 | $229,127 |
| 2 | $1,018,464 | $41,196 | -$21,903 | $750,775 | $267,689 |
| 3 | $1,049,018 | $42,584 | -$20,612 | $741,265 | $307,753 |
| 4 | $1,080,488 | $44,018 | -$19,277 | $731,102 | $349,386 |
| 5 | $1,112,903 | $45,498 | -$17,899 | $720,242 | $392,661 |
| 6 | $1,146,290 | $47,027 | -$16,474 | $708,635 | $437,655 |
| 7 | $1,180,679 | $48,606 | -$15,002 | $696,232 | $484,447 |
| 8 | $1,216,099 | $50,236 | -$13,481 | $682,977 | $533,122 |
| 9 | $1,252,582 | $51,920 | -$11,910 | $668,811 | $583,771 |
| 10 | $1,290,160 | $53,658 | -$10,287 | $653,673 | $636,486 |
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.