7928 Harding Ave Apt 3
Miami Beach, FL 33141 · condos · For Sale · 77 days on market
Asking price$180,000
0 beds 1 baths 394 sqft
Suggested offer$153,680$26,320 above the est. market value of $153,680.
View on Realtor.com →Listed by Marcela Ubfal · EXP Realty, LLC
Typecondos
Built1940
Price / sqft$457
Est. value (own analysis)$153,680
Rent estimate (own analysis)$1,588/mo
HOA$363/mo
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Statusfor_sale
Listed date2026-06-17
Removed date—
MLSMiamiMLS #A12036505
Coordinates25.86461, -80.12246
Address7928 Harding Ave Apt 3
CityMiami Beach
StateFL
Zip33141
Listing ID6897144726
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33141)
Typical home value (ZHVI)$429,204
Typical rent (ZORI)$2,504/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 | $180,000 |
| Down payment (20.0%) | $36,000 |
| Loan amount | $144,000 |
| Closing costs (5.0%) | $9,000 |
| Total cash to close | $45,000 |
| Income | |
| Rent (comp-derived) | $1,588$19,050 |
| Vacancy loss (8.0%) | |
| Effective gross income | $1,461$17,526 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $285$3,420 |
| Insurance (placeholder 0.8% of price) | $120$1,440 |
| HOA dues | $363$4,356 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $79$953 |
| Total operating expenses | $847$10,169 |
| 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) | $79$953 |
| 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 |
|---|---|---|---|---|---|---|---|
| apartment | 0 | 1 | 430 | $1,764 | 2026-02-19 | — | |
| apartment | 0 | 1 | 510 | $1,800 | 2025-05-28 | — | |
| condos | 0 | — | 400 | $1,200 | 2026-07-13 | — | |
| apartment | 0 | 1 | 411 | $1,523 | 2026-08-25 | — | |
| condos | 0 | 1 | 406 | $1,300 | 2026-07-26 | — | |
| condos | 0 | 1 | 450 | $1,500 | 2026-07-01 | — | |
| condos | 0 | 1 | 399 | $1,500 | 2026-08-28 | — | |
| condos | 0 | 1 | 415 | $1,450 | 2026-08-20 | — | |
| condos | 0 | 1 | 400 | $1,900 | 2026-08-27 | — | |
| condos | 0 | 1 | 415 | $1,375 | 2026-08-21 | — | |
| condos | 0 | 1 | 406 | $1,400 | 2026-07-28 | — | |
| apartment | 0 | 1 | 411 | $1,477 | 2026-06-19 | — | |
| condos | 0 | 1 | 450 | $1,600 | 2026-08-04 | — | |
| condos | 0 | 1 | 402 | $1,500 | 2026-08-15 | — | |
| condos | 0 | 1 | 375 | $1,500 | 2026-06-04 | — | |
| condos | 0 | 1 | 468 | $1,500 | 2026-08-14 | — | |
| apartment | 0 | 1 | 370 | $1,550 | 2026-08-16 | — | |
| condos | 0 | 1 | 465 | $1,500 | 2026-08-01 | — | |
| condos | 0 | 1 | 410 | $1,690 | 2026-08-24 | — | |
| apartment | 0 | 1 | 500 | $1,575 | 2026-08-06 | — | |
| apartment | 0 | 1 | 400 | $1,550 | 2026-06-03 | — | |
| condos | 0 | 1 | 402 | $1,450 | 2026-04-03 | — | |
| apartment | 0 | 1 | 450 | $1,550 | 2026-06-22 | — | |
| condos | 0 | 1 | 387 | $1,650 | 2026-07-31 | — | |
| condos | 0 | 1 | 406 | $1,500 | 2026-08-10 | — | |
| apartment | 0 | 1 | 470 | $1,550 | 2026-04-15 | — | |
| condos | 0 | 1 | 416 | $1,700 | 2026-07-17 | — | |
| condos | 0 | 1 | 406 | $1,550 | 2026-06-26 | — | |
| condos | 0 | 1 | 468 | $1,650 | 2026-08-01 | — | |
| condos | 0 | 1 | 432 | $1,790 | 2026-03-02 | — | |
| condos | 0 | 1 | 468 | $1,550 | 2026-07-20 | — | |
| apartment | 0 | 1 | 406 | $1,700 | 2026-08-04 | — | |
| condos | 0 | 1 | 465 | $1,600 | 2026-08-04 | — | |
| condos | 0 | 1 | 295 | $1,645 | 2026-08-10 | — | |
| apartment | 0 | 1 | 500 | $1,690 | 2026-01-09 | — | |
| condos | 0 | 1 | 444 | $1,800 | 2026-07-23 | — | |
| condos | 0 | 1 | 395 | $1,790 | 2026-04-08 | — | |
| condos | 0 | 1 | 443 | $1,799 | 2026-05-27 | — | |
| condos | 0 | 1 | 444 | $2,000 | 2026-05-11 | — | |
| condos | 0 | 1 | 444 | $2,000 | 2023-05-24 | — | |
| condos | 0 | 1 | 443 | $1,600 | 2026-08-27 | — | |
| apartment | 0 | 1 | 510 | $1,950 | — | — | |
| apartment | 0 | 1 | 433 | $1,650 | — | — | |
| apartment | 0 | 1 | 450 | $1,710 | 2026-08-09 | — | |
| condos | 0 | — | 400 | $1,200 | 2026-07-08 | — | |
| apartment | 0 | 1 | 300 | $1,550 | 2026-08-18 | — | |
| condos | 0 | 1 | 406 | $1,350 | 2026-08-29 | — | |
| condos | 0 | 1 | 432 | $1,700 | 2026-08-31 | — | |
| apartment | 0 | 1 | 475 | $1,600 | 2026-08-31 | — | |
| condos | 0 | 1 | 446 | $1,600 | 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 |
|---|---|---|---|---|---|---|
| 330 74th St Apt 15 | condos | 0 | 1 | 383 | $158,000 | 2026-08-20 |
| 1455 N Treasure Dr Apt 6D | condos | 0 | 1 | 531 | $152,000 | 2026-08-14 |
| 7725 Carlyle Ave Apt 10 | condos | 0 | 1 | 399 | $155,000 | 2026-08-06 |
| 6365 Collins Ave Unit CAB8 | condos | 0 | 1 | 245 | $410,000 | 2026-07-29 |
| 6484 Indian Creek Dr Apt 310 | condos | 0 | 1 | — | $120,000 | 2026-07-03 |
| 1865 79th St Cswy Apt 3F | condos | 0 | 1 | 577 | $175,000 | 2026-06-22 |
| 6770 Indian Creek Dr Apt 14J | condos | 0 | 1 | 993 | $400,000 | 2026-06-01 |
| 7904 West Dr Apt 409 | condos | 0 | 1 | 443 | $150,000 | 2026-04-13 |
| 330 74th St Apt 5 | condos | 0 | 1 | 383 | $150,000 | 2026-03-23 |
| 7904 West Dr Apt 1004 | condos | 0 | 1 | 444 | $200,000 | 2026-03-15 |
| 401 69th St Apt 1003 | condos | 0 | 1 | 594 | $210,000 | 2026-03-13 |
| 8132 Harding Ave Apt 7 | condos | 0 | 1 | 406 | $159,000 | 2026-03-11 |
| 7725 Carlyle Ave Apt 4 | condos | 0 | 1 | 399 | $150,000 | 2026-02-17 |
| 1865 79th St Cswy Apt 4L | condos | 0 | 1 | 577 | $150,000 | 2026-01-27 |
| 6801 Indian Creek Dr Apt 405 | condos | 0 | 1 | 510 | $215,000 | 2026-01-09 |
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 |
|---|---|---|---|---|---|---|
| 7720 Harding Ave Apt 8 | condos | 0 | 1 | 406 | $130,000 | — |
| 6490 Collins Ave Apt 14 | condos | 0 | 1 | 375 | $145,000 | — |
| 6484 Indian Creek Dr Apt 111 | condos | 0 | 1 | — | $100,000 | — |
| 300 74th St Apt 6 | condos | 0 | 1 | 468 | $215,000 | — |
| 6498 Collins Ave Apt 41 | condos | 0 | 1 | 370 | $168,000 | — |
| 6484 Indian Creek Dr Apt 320 | condos | 0 | 1 | — | $153,000 | — |
| 7300 Ocean Ter | single_family | 0 | — | — | $49,900,000 | — |
| 6484 Indian Creek Dr Apt 238 | condos | 0 | 1 | — | $150,000 | — |
10-year hold projection
IRR3.5%
Equity multiple1.56x
Total return (10yr)$48,618
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $185,400 | $7,358 | -$4,700 | $142,439 | $42,961 |
| 2 | $190,962 | $7,629 | -$4,452 | $140,770 | $50,192 |
| 3 | $196,691 | $7,910 | -$4,195 | $138,987 | $57,704 |
| 4 | $202,592 | $8,201 | -$3,930 | $137,082 | $65,510 |
| 5 | $208,669 | $8,502 | -$3,654 | $135,046 | $73,624 |
| 6 | $214,929 | $8,813 | -$3,370 | $132,869 | $82,060 |
| 7 | $221,377 | $9,135 | -$3,075 | $130,544 | $90,834 |
| 8 | $228,019 | $9,468 | -$2,769 | $128,058 | $99,960 |
| 9 | $234,859 | $9,812 | -$2,453 | $125,402 | $109,457 |
| 10 | $241,905 | $10,168 | -$2,126 | $122,564 | $119,341 |
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.