4074 NW 4th St
Miami, FL 33126 · single_family · For Sale · 75 days on market
Asking price$644,000
4 beds 3 baths 1,506 sqft
Suggested offer$603,043$40,957 above the est. market value of $603,043.
View on Realtor.com →Listed by Armando Viera · One Stop Realty
Typesingle_family
Built1947
Price / sqft$428
Est. value (own analysis)$603,043
Rent estimate (own analysis)$3,900/mo
HOANone
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Statusfor_sale
Listed date2026-06-19
Removed date—
MLSMiamiMLS #A12040098
Coordinates25.77572, -80.26273
Address4074 NW 4th St
CityMiami
StateFL
Zip33126
Listing ID6955956528
Sourceus-real-estate-listings, cached 2026-08-25
ZIP market snapshot (33126)
Typical home value (ZHVI)$303,717
Typical rent (ZORI)$2,370/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 | $644,000 |
| Down payment (20.0%) | $128,800 |
| Loan amount | $515,200 |
| Closing costs (5.0%) | $32,200 |
| Total cash to close | $161,000 |
| Income | |
| Rent (comp-derived) | $3,900$46,800 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,588$43,056 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,020$12,236 |
| Insurance (placeholder 0.8% of price) | $429$5,152 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $195$2,340 |
| Total operating expenses | $1,644$19,728 |
| 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) | $195$2,340 |
| 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 | 4 | 3 | 1,812 | $4,000 | 2026-07-18 | — | |
| single_family | 4 | 3 | 1,585 | $3,800 | 2026-06-12 | — | |
| single_family | 4 | 3 | 1,910 | $4,500 | 2026-03-11 | — | |
| single_family | 4 | 2 | 1,330 | $3,200 | — | — |
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 |
|---|---|---|---|---|---|---|
| 250 NW 40th Ave | single_family | 4 | 2 | 1,365 | $715,000 | 2026-08-13 |
| 221 NW 85th Pl | single_family | 4 | 3 | 1,585 | $620,000 | 2026-06-24 |
| 821 NW 40th Ave | single_family | 4 | 3 | 2,250 | $730,000 | 2026-06-02 |
| 560 NW 57th Ct | single_family | 4 | 2 | 1,706 | $550,000 | 2026-05-06 |
| 6300 NW 2nd St | single_family | 4 | 3 | 1,873 | $750,000 | 2026-05-05 |
| 6031 NW 5th St | single_family | 4 | 2 | 1,386 | $577,000 | 2026-03-05 |
| 202 NW 60th Ave | single_family | 4 | 2 | 1,620 | $640,000 | 2026-02-24 |
| 111 NW 39th Ave | single_family | 4 | 2 | 1,383 | $650,000 | 2026-02-09 |
| 6341 Tamiami Canal Rd | single_family | 4 | 2 | 1,840 | $671,500 | 2026-01-30 |
| 3720 NW 2nd Ter | single_family | 4 | 3 | 1,134 | $589,900 | 2026-01-06 |
| 550 NW 58th Ct | single_family | 4 | 2 | 1,798 | $922,000 | 2025-12-09 |
| 7330 NW 6th St | single_family | 4 | 3 | 1,790 | $690,000 | 2025-10-15 |
| 7325 NW 3rd St | single_family | 4 | 2 | 1,338 | $575,000 | 2025-09-25 |
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 |
|---|---|---|---|---|---|---|
| 30 NW 56th Ct | multi_family | 4 | 2 | 1,450 | $725,000 | — |
| 7239 NW Third St | multi_family | 4 | 3 | 1,480 | $770,000 | — |
| 6100 NW 2nd St | single_family | 4 | 3 | 1,836 | $850,000 | — |
| 321 NW 56th Ave | single_family | 4 | 3 | 1,345 | $800,000 | — |
| 6060 NW 7th St | single_family | 4 | 2 | 1,168 | $475,000 | — |
| 4518 NW 4th St | townhomes | 4 | 4 | 3,180 | $770,000 | — |
| 8408 NW 8th St Unit 8408 | townhomes | 4 | 3 | 1,794 | $610,000 | — |
| 5181 NW 5th St | multi_family | 4 | 2 | 1,806 | $730,999 | — |
10-year hold projection
IRR2.4%
Equity multiple1.39x
Total return (10yr)$147,232
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $663,320 | $23,328 | -$18,742 | $509,614 | $153,706 |
| 2 | $683,220 | $24,126 | -$18,002 | $503,645 | $179,575 |
| 3 | $703,716 | $24,951 | -$17,237 | $497,265 | $206,451 |
| 4 | $724,828 | $25,804 | -$16,446 | $490,448 | $234,380 |
| 5 | $746,573 | $26,684 | -$15,629 | $483,162 | $263,410 |
| 6 | $768,970 | $27,593 | -$14,784 | $475,376 | $293,593 |
| 7 | $792,039 | $28,533 | -$13,911 | $467,056 | $324,983 |
| 8 | $815,800 | $29,503 | -$13,008 | $458,164 | $357,636 |
| 9 | $840,274 | $30,505 | -$12,075 | $448,661 | $391,613 |
| 10 | $865,482 | $31,541 | -$11,111 | $438,506 | $426,976 |
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.