3312 NW 182nd St

Miami Gardens, FL 33056 · single_family · For Sale · 20 days on market
Asking price$645,000
5 beds 4 baths 1,392 sqft
Suggested offer$470,621$174,379 above the est. market value of $470,621.
View on Realtor.com →
Listed by Leonardo Gonzalez · Equitable Company Realtors
Typesingle_family
Built1970
Price / sqft$463
Est. value (own analysis)$470,621
Rent estimate (own analysis)$3,680/mo
HOANone
Street view
View full map & nearby schools →

Neighborhood

Show every detail
Statusfor_sale
Listed date2026-08-13
Removed date
MLSMiamiMLS #A12070549
Coordinates25.93939, -80.25566
Address3312 NW 182nd St
CityMiami Gardens
StateFL
Zip33056
Listing ID6981174718
Sourceus-real-estate-listings, cached 2026-08-28

ZIP market snapshot (33056)

Median sale price$550,000
Median days on market (sale)37
Active sale listings131
Median rent$2,700/mo
Median days on market (rent)49
Active rental listings90
Real ZIP-wide statistics from RentCast, as of 2026-09 (fetched 2026-09-03) — this is the whole ZIP's market, not specific to this property. Re-analyzing spends one of the account's 50 free monthly lookups. Our own log shows at least 6 of the 50 free monthly RentCast requests used — that only counts calls made through this app, so it can undercount. RentCast's own account dashboard has the real total.
Re-analyze ZIP 33056 (≥6 of 50 per our log)

Underwriting (buy-and-hold, default assumptions)

Purchase price$645,000
Down payment (20.0%)$129,000
Loan amount$516,000
Closing costs (5.0%)$32,250
Total cash to close$161,250
Rent (comp-derived)$3,680$44,160
Vacancy loss (8.0%)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$44,160
Vacancy rate (assumption) assumption8.0%

$44,160 × 8.0% = $3,533

Effective gross income$3,386$40,627
Property tax (placeholder 1.9% of price)$1,021$12,255
Insurance (placeholder 0.8% of price)$430$5,160
HOA dues$0$0
Management (0.0% of EGI)$0$0
Maintenance (5.0% of GSR)$184$2,208
Total operating expenses$1,635$19,623
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$40,627
Total operating expenses derived$19,623

$40,627 − $19,623 = $21,004

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$516,000
Interest rate (avg 30yr rate) comp6.7%
Term (assumption) assumption30 years

$516,000 amortized at 6.7% over 30 years = $3,316/mo

CapEx reserve (5.0% of GSR)$184$2,208
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$21,004
Annual debt service derived$39,791
Annual CapEx reserve assumption$2,208
Annual PMI assumption$0

($21,004 − $39,791 − $2,208 − $0) ÷ 12 = -$1,750

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$21,004
Purchase price data$645,000

$21,004 ÷ $645,000 = 3.3%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived-$20,995
Total cash to close derived$161,250

-$20,995 ÷ $161,250 = -13.0%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$21,004
Annual debt service derived$39,791

$21,004 ÷ $39,791 = 0.53

Rent-to-price (1% rule)

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

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$44,160
Purchase price data$645,000

($44,160 ÷ 12) ÷ $645,000 = 0.6%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$645,000
Gross scheduled rent (annual) comp$44,160

$645,000 ÷ $44,160 = 14.6

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$19,623
Effective gross income derived$40,627

$19,623 ÷ $40,627 = 48.3%

Break-even occupancy

Break-Even Occupancy

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

Total operating expenses derived$19,623
Annual debt service derived$39,791
Annual PMI assumption$0
Gross scheduled rent (annual) comp$44,160

($19,623 + $39,791 + $0) ÷ $44,160 = 134.5%

Comparables

Widened to city-wide. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family521,720$2,9952026-07-12
single_family531,468$3,6802026-05-29
single_family521,491$4,3002026-08-26

19424 NW 48th Ave

Miami Gardens, 33055 · rent comp

Bedrooms / bathrooms5 bd / 2 ba
Square footage1,720
Listed2026-07-12
Days on market

Asking rent: $2,995

View on Zillow →

3951 NW 173rd Ter

Miami Gardens, 33055 · rent comp

Bedrooms / bathrooms5 bd / 3 ba
Square footage1,468
Listed2026-05-29
Days on market

Asking rent: $3,680

View on Zillow →

160 NW 199th St Unit 1

Miami Gardens, 33169 · rent comp

Bedrooms / bathrooms5 bd / 2 ba
Square footage1,491
Listed2026-08-26
Days on market

Asking rent: $4,300

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
17630 NW 36th Avesingle_family531,870$650,0002026-07-24
3320 NW 172nd Tersingle_family531,614$680,0002026-07-14
3560 NW 212th Stsingle_family531,713$635,0002026-07-13
2980 NW 210th Tersingle_family531,931$615,0002026-07-01
3281 NW 170th Stsingle_family521,568$495,0002026-06-12
3224 NW 181st Stsingle_family531,752$615,0002026-05-20
2840 NW 171st Stsingle_family531,963$645,0002026-03-24
3119 NW 169th Tersingle_family522,715$620,0002026-02-17
2051 NW 179th Stsingle_family544,735$502,5002026-02-13
19320 NW 37th Avesingle_family542,340$650,0002026-01-27
3510 NW 211th Stsingle_family531,416$615,0002026-01-14
2442 NW 170th Stsingle_family531,795$640,0002025-12-26

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
2310 NW 208th Stsingle_family521,494$579,900
2910 NW 175th Stsingle_family53$659,000
1895 NW 175th Stsingle_family533,168$995,000
17520 NW 17th Avesingle_family533,129$699,999
16920 NW 19th Avesingle_family532,749$849,000
2961 NW 173rd Tersingle_family542,260$685,000
18901 NW 28th Plsingle_family532,379$674,000
17611 NW 32nd Ctsingle_family52915$569,000

10-year hold projection

IRR1.4%
Equity multiple1.23x
Total return (10yr)$121,889
YearProperty valueNOICash flowLoan balanceEquity
1$664,350$21,004-$20,995$510,405$153,945
2$684,281$21,732-$20,322$504,427$179,854
3$704,809$22,485-$19,626$498,037$206,771
4$725,953$23,263-$18,907$491,209$234,744
5$747,732$24,066-$18,162$483,913$263,819
6$770,164$24,896-$17,393$476,114$294,049
7$793,269$25,754-$16,598$467,781$325,488
8$817,067$26,641-$15,775$458,875$358,192
9$841,579$27,557-$14,925$449,358$392,221
10$866,826$28,503-$14,046$439,187$427,639
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.