3320 NW 20th St
Miami, FL 33142 · single_family · For Sale · 9 days on market
Asking price$670,000
5 beds 4 baths 1,951 sqft
Suggested offer$573,594$96,406 above the est. market value of $573,594.
View on Realtor.com →Listed by Victoria Rodriguez · Grand Realty Of America, Corp.
Typesingle_family
Built1950
Price / sqft$343
Est. value (own analysis)$573,594
Rent estimate (own analysis)$6,750/mo
HOANone
1 / 39
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Statusfor_sale
Listed date2026-08-24
Removed date—
MLSMiamiMLS #A12076555
Coordinates25.79378, -80.25055
Address3320 NW 20th St
CityMiami
StateFL
Zip33142
Listing ID6590758515
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33142)
Typical home value (ZHVI)$430,103
Typical rent (ZORI)$2,350/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 | $670,000 |
| Down payment (20.0%) | $134,000 |
| Loan amount | $536,000 |
| Closing costs (5.0%) | $33,500 |
| Total cash to close | $167,500 |
| Income | |
| Rent (comp-derived) | $6,750$80,994 |
| Vacancy loss (8.0%) | |
| Effective gross income | $6,210$74,514 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,061$12,730 |
| Insurance (placeholder 0.8% of price) | $447$5,360 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $337$4,050 |
| Total operating expenses | $1,845$22,140 |
| 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) | $337$4,050 |
| 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 | 3 | 1,986 | $12,900 | 2026-08-20 | — | |
| single_family | 5 | 4 | 2,452 | $21,000 | 2026-08-17 | — | |
| single_family | 5 | 3 | 2,176 | $9,000 | 2026-08-13 | — | |
| single_family | 5 | 4 | 2,368 | $16,000 | 2026-08-12 | — | |
| single_family | 5 | 2 | 1,598 | $5,000 | 2026-08-11 | — | |
| single_family | 5 | 3 | 2,009 | $5,600 | 2026-08-06 | — | |
| single_family | 5 | 4 | 2,323 | $5,700 | 2026-08-06 | — | |
| single_family | 5 | 3 | 2,592 | $14,000 | 2026-07-27 | — | |
| single_family | 5 | 8 | 2,326 | $8,200 | 2026-07-13 | — | |
| single_family | 5 | 2 | 1,729 | $3,950 | 2026-07-10 | — | |
| single_family | 5 | 4 | 1,986 | $6,500 | 2026-07-08 | — | |
| single_family | 5 | 2 | 2,597 | $13,500 | 2026-06-25 | — | |
| single_family | 5 | 2 | 1,747 | $3,600 | 2026-06-24 | — | |
| single_family | 5 | 4 | 2,092 | $9,500 | 2026-06-16 | — | |
| single_family | 5 | 3 | 2,091 | $6,999 | 2026-05-11 | — | |
| single_family | 5 | 3 | 1,462 | $5,000 | 2026-04-29 | — | |
| single_family | 5 | 4 | 1,334 | $5,900 | 2026-07-27 | — | |
| single_family | 5 | 3 | 2,369 | $4,250 | 2023-04-07 | — | |
| single_family | 5 | 3 | 1,940 | $18,000 | 2026-08-25 | — | |
| single_family | 5 | 3 | 2,189 | $12,000 | 2026-04-02 | — | |
| single_family | 5 | 4 | 2,150 | $8,500 | 2025-11-25 | — | |
| single_family | 5 | 2 | 1,974 | $5,000 | — | — | |
| single_family | 5 | 2 | 1,500 | $4,400 | — | — | |
| single_family | 5 | 4 | 2,470 | $7,500 | — | — | |
| single_family | 5 | 3 | 1,752 | $5,800 | — | — | |
| single_family | 5 | 3 | 2,442 | $6,500 | 2026-08-30 | — | |
| single_family | 5 | 2 | 1,898 | $5,700 | 2026-08-31 | — | |
| single_family | 5 | 4 | 2,194 | $12,500 | 2026-09-01 | — |
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 |
|---|---|---|---|---|---|---|
| 2142 NW 33rd St | single_family | 5 | 2 | 2,010 | $475,000 | 2026-07-16 |
| 2119 NW 59th St | single_family | 5 | 2 | 1,976 | $342,000 | 2026-07-06 |
| 1385 NW 28th St | single_family | 5 | 4 | 1,666 | $700,000 | 2026-06-18 |
| 6605809400 | single_family | 5 | 2 | 1,032 | $490,000 | 2026-03-23 |
| 5840 NW 31st Ave | single_family | 5 | 2 | 1,955 | $340,000 | 2026-01-09 |
| 1866 NW 47th St | single_family | 5 | 3 | 1,763 | $620,000 | 2025-11-21 |
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 |
|---|---|---|---|---|---|---|
| 4245 NW 24th Ave | multi_family | 5 | 2 | 1,701 | $609,000 | — |
| 1345 NW 25th St | multi_family | 5 | 3 | 2,505 | $565,000 | — |
| 4769 NW 17th Ave | multi_family | 5 | 4 | 2,242 | $625,000 | — |
| 3389 NW 14th Ave | multi_family | 5 | 3 | 2,241 | $995,000 | — |
| 1274 NW 55th Ter | single_family | 5 | 4 | 2,292 | $760,000 | — |
| 2428 NW 28th St | multi_family | 5 | 3 | 1,662 | $649,000 | — |
| 1436 NW 51st Ter | multi_family | 5 | 2 | 1,548 | $598,900 | — |
| 1490/1492 NW 38th St | multi_family | 5 | 3 | 1,840 | $585,000 | — |
10-year hold projection
IRR14.4%
Equity multiple3.21x
Total return (10yr)$457,693
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $690,100 | $52,375 | $6,991 | $530,189 | $159,911 |
| 2 | $710,803 | $54,057 | $8,572 | $523,978 | $186,825 |
| 3 | $732,127 | $55,792 | $10,203 | $517,341 | $214,786 |
| 4 | $754,091 | $57,582 | $11,887 | $510,248 | $243,843 |
| 5 | $776,714 | $59,429 | $13,625 | $502,669 | $274,045 |
| 6 | $800,015 | $61,334 | $15,418 | $494,568 | $305,447 |
| 7 | $824,015 | $63,299 | $17,269 | $485,912 | $338,104 |
| 8 | $848,736 | $65,326 | $19,179 | $476,661 | $372,075 |
| 9 | $874,198 | $67,418 | $21,150 | $466,774 | $407,424 |
| 10 | $900,424 | $69,575 | $23,184 | $456,209 | $444,215 |
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.