527 E Dilido Dr

Miami Beach, FL 33139 · single_family · For Sale · 933 days on market
Asking price$12,900,000
4 beds 4 baths 3,398 sqft
Suggested offer$5,801,745$7,098,255 above the est. market value of $5,801,745.
View on Realtor.com →
Listed by Nelson Gonzalez · BHHS EWM Realty
Typesingle_family
Built1932
Price / sqft$3796
Est. value (own analysis)$5,801,745
Rent estimate (own analysis)$28,000/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood7/10severe$Air2/10MinorWildfire1/10Minimal
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Neighborhood

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Statusfor_sale
Listed date2024-02-12
Removed date
MLSMiamiMLS #A11531735
Coordinates25.79260, -80.15832
Address527 E Dilido Dr
CityMiami Beach
StateFL
Zip33139
Listing ID6678769818
Sourceus-real-estate-listings, cached 2026-08-30

ZIP market snapshot (33139)

Typical home value (ZHVI)$471,015
Typical rent (ZORI)$2,928/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$12,900,000
Down payment (20.0%)$2,580,000
Loan amount$10,320,000
Closing costs (5.0%)$645,000
Total cash to close$3,225,000
Rent (comp-derived)$28,000$336,000
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$336,000
Vacancy rate (assumption) assumption8.0%

$336,000 × 8.0% = $26,880

Effective gross income$25,760$309,120
Property tax (placeholder 1.9% of price)$20,425$245,100
Insurance (est. scaled by flood & wind risk)$16,770$201,240
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$1,400$16,800
Total operating expenses$38,595$463,140
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$309,120
Total operating expenses derived$463,140

$309,120 − $463,140 = -$154,020

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$10,320,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$10,320,000 amortized at 6.7% over 30 years = $66,319/mo

CapEx reserve (5.0% of GSR)$1,400$16,800
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-$154,020
Annual debt service derived$795,829
Annual CapEx reserve assumption$16,800
Annual PMI assumption$0

(-$154,020 − $795,829 − $16,800 − $0) ÷ 12 = -$80,554

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived-$154,020
Purchase price data$12,900,000

-$154,020 ÷ $12,900,000 = -1.2%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$966,649
Total cash to close derived$3,225,000

-$966,649 ÷ $3,225,000 = -30.0%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived-$154,020
Annual debt service derived$795,829

-$154,020 ÷ $795,829 = -0.19

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$336,000
Purchase price data$12,900,000

($336,000 ÷ 12) ÷ $12,900,000 = 0.2%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$12,900,000
Gross scheduled rent (annual) comp$336,000

$12,900,000 ÷ $336,000 = 38.4

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$463,140
Effective gross income derived$309,120

$463,140 ÷ $309,120 = 149.8%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$463,140
Annual debt service derived$795,829
Annual PMI assumption$0
Gross scheduled rent (annual) comp$336,000

($463,140 + $795,829 + $0) ÷ $336,000 = 374.7%

Comparables

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

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family464,440$22,000
single_family432,801$28,0002026-08-24
single_family442,517$15,0002025-11-11
single_family443,092$49,5002026-01-16
single_family443,338$40,0002026-07-03
single_family442,431$30,0002026-03-28
single_family453,725$25,0002026-07-29

1000 Venetian Way Apt 105

Miami Beach, 33139 · rent comp

Bedrooms / bathrooms4 bd / 6 ba
Square footage4,440
Listed
Days on market

Asking rent: $22,000

View on Zillow →

287 Palm Ave

Miami Beach, 33139 · rent comp

Bedrooms / bathrooms4 bd / 3 ba
Square footage2,801
Listed2026-08-24
Days on market

Asking rent: $28,000

View on Zillow →

118 E 3rd Ct

Miami Beach, 33139 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage2,517
Listed2025-11-11
Days on market

Asking rent: $15,000

View on Zillow →

56 S Hibiscus Dr

Miami Beach, 33139 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage3,092
Listed2026-01-16
Days on market

Asking rent: $49,500

View on Zillow →

260 S Coconut Ln

Miami Beach, 33139 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage3,338
Listed2026-07-03
Days on market

Asking rent: $40,000

View on Zillow →

116 W 1st Ct

Miami Beach, 33139 · rent comp

Bedrooms / bathrooms4 bd / 4 ba
Square footage2,431
Listed2026-03-28
Days on market

Asking rent: $30,000

View on Zillow →

841 19th St

Miami Beach, 33139 · rent comp

Bedrooms / bathrooms4 bd / 5 ba
Square footage3,725
Listed2026-07-29
Days on market

Asking rent: $25,000

View on Zillow →

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.

AddressTypeBedsBathsLiving sqftSale priceSale date
330 E San Marino Drsingle_family432,087$3,590,0002026-08-24
508 W Dilido Drsingle_family445,501$22,750,0002026-08-12
1338 N Venetian Waysingle_family442,456$3,180,0002026-07-24
1776 Michigan Avesingle_family452,830$2,660,0002026-07-20
617 E Dilido Drsingle_family454,393$33,000,0002026-07-14
1800 Jefferson Avesingle_family443,462$3,100,0002026-06-10
94 S Hibiscus Drsingle_family464,866$18,500,0002026-05-29
821 E Dilido Drsingle_family444,420$15,500,0002026-05-26
850 E Dilido Drsingle_family432,862$4,850,0002026-05-15
100 E Dilido Drsingle_family453,886$4,750,0002026-05-14
291 Palm Avesingle_family453,077$5,450,0002026-05-13
2145 Meridian Avesingle_family464,300$9,380,0002026-05-07
254 Palm Avesingle_family444,218$7,450,0002026-04-29
1244 Michigan Avesingle_family433,295$1,900,0002026-04-24
114 3rd San Marino Tersingle_family443,019$5,200,0002026-04-06
1417 Lenox Avesingle_family432,899$2,100,0002026-03-23
1096 N Venetian Drsingle_family45$5,620,0002026-03-20
1001 N Venetian Drsingle_family433,256$10,450,0002026-03-11
1722 Jefferson Avesingle_family442,881$1,560,0002026-02-26
114 4th Rivo Alto Tersingle_family443,539$3,700,0002026-02-20
1245 Lenox Avesingle_family422,356$1,600,0002026-02-10
20 W Dilido Drsingle_family443,798$16,800,0002025-12-29
107 W Rivo Alto Drsingle_family433,200$3,000,0002025-11-20

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.

AddressTypeBedsBathsSqftAsking priceDays on market
1281 S Venetian Waysingle_family442,912$3,975,000
1092 N Venetian Drsingle_family453,650$6,575,000
56 S Hibiscus Drsingle_family453,092$14,900,000
300 S Pointe Dr Ph 5condos475,680$24,999,000
455 E Dilido Drsingle_family453,138$13,800,000
1405 Lenox Avesingle_family422,112$2,200,000
1508 Meridian Avemulti_family441,776$1,200,000
125 Ocean Dr Unit U0303condos454,365$19,642,000

10-year hold projection

IRR-10.0%
Equity multiple-0.71x
Total return (10yr)-$3,818,731
YearProperty valueNOICash flowLoan balanceEquity
1$13,287,000-$154,020-$966,649$10,208,108$3,078,892
2$13,685,610-$156,325-$969,374$10,088,533$3,597,077
3$14,096,178-$158,641-$972,121$9,960,746$4,135,432
4$14,519,064-$160,967-$974,888$9,824,184$4,694,880
5$14,954,636-$163,303-$977,676$9,678,244$5,276,392
6$15,403,275-$165,646-$980,482$9,522,282$5,880,992
7$15,865,373-$167,995-$983,307$9,355,610$6,509,763
8$16,341,334-$170,349-$986,148$9,177,493$7,163,841
9$16,831,574-$172,707-$989,006$8,987,144$7,844,430
10$17,336,521-$175,067-$991,877$8,783,724$8,552,798
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.