30081 SW 148th Ave

Homestead, FL 33033 · single_family · For Sale · 35 days on market
Asking price$327,900
10 beds 4 baths 1,569 sqft
View on Realtor.com →
Listed by Ronald Ryder · RICHARD PETERS REALTY LLC
Typesingle_family
Built1957
Price / sqft$209
Est. value (own analysis)$450,209
Rent estimate (Zillow ZIP avg)$2,539/mo
HOANone
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Neighborhood

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Statusfor_sale
Listed date2026-07-29
Removed date
MLSStellarMLS #TB8533956
Coordinates25.48795, -80.42998
Address30081 SW 148th Ave
CityHomestead
StateFL
Zip33033
Listing ID6314977762
Sourceus-real-estate-listings, cached 2026-08-28

ZIP market snapshot (33033)

Typical home value (ZHVI)$436,367
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)

Purchase price$327,900
Down payment (20.0%)$65,580
Loan amount$262,320
Closing costs (5.0%)$16,395
Total cash to close$81,975
Rent (ZIP avg, ZORI — not bedroom-specific)$2,539$30,473
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$30,473
Vacancy rate (assumption) assumption8.0%

$30,473 × 8.0% = $2,438

Effective gross income$2,336$28,035
Property tax (placeholder 1.9% of price)$519$6,230
Insurance (placeholder 0.8% of price)$219$2,623
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$127$1,524
Total operating expenses$865$10,377
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$28,035
Total operating expenses derived$10,377

$28,035 − $10,377 = $17,658

Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$262,320
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$262,320 amortized at 6.7% over 30 years = $1,686/mo

CapEx reserve (5.0% of GSR)$127$1,524
Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%)$0$0
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$17,658
Annual debt service derived$20,229
Annual CapEx reserve assumption$1,524
Annual PMI assumption$0

($17,658 − $20,229 − $1,524 − $0) ÷ 12 = -$341

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$17,658
Purchase price data$327,900

$17,658 ÷ $327,900 = 5.4%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$4,094
Total cash to close derived$81,975

-$4,094 ÷ $81,975 = -5.0%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$17,658
Annual debt service derived$20,229

$17,658 ÷ $20,229 = 0.87

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$30,473
Purchase price data$327,900

($30,473 ÷ 12) ÷ $327,900 = 0.8%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$327,900
Gross scheduled rent (annual) comp$30,473

$327,900 ÷ $30,473 = 10.8

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$10,377
Effective gross income derived$28,035

$10,377 ÷ $28,035 = 37.0%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$10,377
Annual debt service derived$20,229
Annual PMI assumption$0
Gross scheduled rent (annual) comp$30,473

($10,377 + $20,229 + $0) ÷ $30,473 = 100.4%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

No active rental listings cached yet for this bedroom count.

Widened to any bedroom count in ZIP. 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.

AddressTypeBedsBathsLiving sqftSale priceSale date
174 NE 32nd Tersingle_family422,818$450,0002026-08-25
159 NE 17th Avesingle_family532,645$664,0002026-08-24
14521 SW 297th Stsingle_family311,056$435,0002026-08-21
216 NE 36th Tersingle_family542,379$520,0002026-08-21
2371 SE 1st Ctsingle_family432,228$670,0002026-08-20
2395 SE 7th Plsingle_family321,548$415,0002026-08-20
633 SE 35th Tersingle_family543,196$640,0002026-08-19
175 NE 26th Avesingle_family532,550$660,0002026-08-19
16345 SW 303rd Stsingle_family421,586$520,0002026-08-18
156 SE 22nd Tersingle_family432,463$665,0002026-08-17
2105 NE 40th Avesingle_family321,787$475,0002026-08-17
1211 NE 40th Rdsingle_family432,213$467,5002026-08-17
29100 Alabama Rdsingle_family531,660$545,0002026-08-15
14405 SW 298th Tersingle_family431,876$460,0002026-08-14
3910 NE 10th Drsingle_family421,442$420,0002026-08-14
14285 SW 287th Stsingle_family421,449$525,0002026-08-14
2915 SE 4th Plsingle_family321,654$499,0002026-08-14
2882 NE 4th Stsingle_family433,057$654,0002026-08-13
526 SE 35th Avesingle_family332,342$480,0002026-08-11
423 SE 33rd Tersingle_family331,968$465,0002026-08-11
16452 SW 293rd Stsingle_family321,508$550,0002026-08-10
589 SE 34th Tersingle_family532,492$530,0002026-08-10
14985 Leisure Drsingle_family11625$360,0002026-08-07
16110 SW 300th Stsingle_family321,483$496,0002026-08-07
3090 SE 7th Plsingle_family432,060$495,0002026-08-07
690 SE 22nd Lnsingle_family221,183$350,0002026-08-06
14850 SW 297th Stsingle_family321,058$450,0002026-08-06
3785 NE 2nd Stsingle_family321,616$405,0002026-08-05
15805 SW 300th Tersingle_family431,212$530,0002026-08-05
4113 NE 22nd Lnsingle_family532,494$538,5002026-08-04
14700 SW 302nd Stsingle_family311,260$525,0002026-08-04
15621 SW 302nd Stsingle_family311,525$522,0002026-08-03
30624 SW 152nd Ctsingle_family321,100$499,9002026-08-03
3954 NE 13th Drsingle_family421,260$405,0002026-08-03
28905 SW 163rd Ctsingle_family432,199$650,0002026-07-31
3179 NE 4th Stsingle_family431,762$479,9002026-07-31
4182 NE 20th Stsingle_family642,980$600,0002026-07-30
4149 NE 30th Stsingle_family321,443$430,0002026-07-29
1209 NE 32nd Avesingle_family321,380$390,0002026-07-28
29813 SW 158th Ctsingle_family321,283$450,0002026-07-28
29978 SW 158th Plsingle_family321,283$485,0002026-07-27
144 NE 32nd Tersingle_family533,276$630,0002026-07-27
695 SE 30th Drsingle_family432,060$545,0002026-07-27
3110 SE 4th Plsingle_family321,613$450,0002026-07-24
391 NE 33rd Tersingle_family431,762$445,0002026-07-24
707 SE 22nd Drsingle_family221,171$280,0002026-07-24
29935 SW 143rd Ctsingle_family421,216$475,0002026-07-23
14435 SW 289th Stsingle_family321,116$510,0002026-07-23
15814 SW 305th Tersingle_family421,416$450,0002026-07-23
15940 SW 283rd Stsingle_family421,765$655,0002026-07-23

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.

No other cached listings nearby for this bedroom count yet.

10-year hold projection

IRR7.3%
Equity multiple2.16x
Total return (10yr)$137,595
YearProperty valueNOICash flowLoan balanceEquity
1$337,737$17,658-$4,094$259,476$78,261
2$347,869$18,240-$3,551$256,436$91,433
3$358,305$18,840-$2,990$253,188$105,117
4$369,054$19,460-$2,410$249,717$119,337
5$380,126$20,100-$1,811$246,007$134,119
6$391,530$20,760-$1,193$242,043$149,487
7$403,276$21,441-$555$237,807$165,469
8$415,374$22,145$105$233,279$182,095
9$427,835$22,871$785$228,441$199,395
10$440,670$23,620$1,488$223,270$217,400
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.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is scaled by flood and wind risk where those are known and a flat percentage otherwise — never a real quote. Verify all of them, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow’s ZIP index, not appraisals.