555 NW S River Dr Unit 630
Miami, FL 33136 · condos · For Sale · 135 days on market
Asking price$1,244,800
2 beds 2 baths 800 sqft
Suggested offer$262,295$982,505 above the est. market value of $262,295.
View on Realtor.com →Listed by Roberto Hernandez · Gap Realty Services Llc
Typecondos
Built2026
Price / sqft$1556
Est. value (own analysis)$262,295
Rent estimate (own analysis)$3,320/mo
HOA$1,114/mo
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Statusfor_sale
Listed date2026-04-20
Removed date—
MLSMiamiMLS #A12004398
Coordinates25.78017, -80.21066
Address555 NW S River Dr Unit 630
CityMiami
StateFL
Zip33136
Listing ID9068963582
Sourceus-real-estate-listings, cached 2026-08-30
ZIP market snapshot (33136)
Typical home value (ZHVI)$317,970
Typical rent (ZORI)$2,599/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 | $1,244,800 |
| Down payment (20.0%) | $248,960 |
| Loan amount | $995,840 |
| Closing costs (5.0%) | $62,240 |
| Total cash to close | $311,200 |
| Income | |
| Rent (comp-derived) | $3,320$39,840 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,054$36,653 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,971$23,651 |
| Insurance (placeholder 0.8% of price) | $830$9,958 |
| HOA dues | $1,114$13,368 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $166$1,992 |
| Total operating expenses | $4,081$48,970 |
| 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) | $166$1,992 |
| 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 |
|---|---|---|---|---|---|---|---|
| condos | 2 | 2 | 903 | $2,700 | 2026-08-20 | — | |
| condos | 2 | 2 | 891 | $2,400 | 2026-08-20 | — | |
| condos | 2 | 2 | 929 | $2,399 | 2026-08-14 | — | |
| condos | 2 | 2 | 891 | $2,500 | 2026-08-13 | — | |
| apartment | 2 | 1 | 750 | $2,075 | 2026-08-11 | — | |
| condos | 2 | 2 | 891 | $2,600 | 2026-08-10 | — | |
| apartment | 2 | 2 | 817 | $2,785 | 2026-07-27 | — | |
| apartment | 2 | 1 | 675 | $1,750 | 2026-07-26 | — | |
| condos | 2 | 2 | 848 | $2,800 | 2026-07-22 | — | |
| condos | 2 | 2 | 903 | $2,800 | 2026-07-21 | — | |
| condos | 2 | 2 | 848 | $2,400 | 2026-07-19 | — | |
| condos | 2 | 2 | 891 | $2,300 | 2026-07-16 | — | |
| apartment | 2 | 1 | 635 | $1,800 | 2026-07-14 | — | |
| apartment | 2 | 1 | 635 | $1,800 | 2026-07-14 | — | |
| condos | 2 | 2 | 825 | $3,600 | 2026-07-13 | — | |
| apartment | 2 | 1 | 831 | $2,626 | 2026-07-01 | — | |
| condos | 2 | 2 | 1,037 | $2,250 | 2026-06-22 | — | |
| condos | 2 | 2 | 914 | $2,800 | 2026-06-18 | — | |
| apartment | 2 | 2 | 1,060 | $3,294 | 2026-06-05 | — | |
| apartment | 2 | 1 | 600 | $1,650 | 2026-05-15 | — | |
| condos | 2 | 2 | 914 | $2,700 | 2026-05-06 | — | |
| condos | 2 | 2 | 914 | $2,800 | 2026-08-03 | — | |
| apartment | 2 | 1 | 540 | $1,760 | 2026-04-16 | — | |
| condos | 2 | 2 | 914 | $3,000 | 2026-03-03 | — | |
| condos | 2 | 2 | 1,000 | $2,600 | — | — | |
| apartment | 2 | 1 | 600 | $1,600 | 2026-02-28 | — | |
| apartment | 2 | 1 | 675 | $1,799 | 2024-06-01 | — | |
| apartment | 2 | 1 | 600 | $1,600 | — | — | |
| apartment | 2 | 2 | 939 | $3,543 | — | — | |
| condos | 2 | 2 | 891 | $2,600 | — | — | |
| apartment | 2 | 1 | 600 | $1,600 | — | — | |
| apartment | 2 | 1 | 600 | $1,650 | — | — | |
| apartment | 2 | 2 | 939 | $3,518 | — | — | |
| apartment | 2 | 2 | 860 | $3,437 | — | — | |
| apartment | 2 | 2 | 950 | $3,565 | — | — | |
| apartment | 2 | 2 | 967 | $3,066 | — | — | |
| apartment | 2 | 2 | 860 | $3,639 | — | — | |
| apartment | 2 | 2 | 923 | $3,548 | — | — | |
| apartment | 2 | 2 | 1,000 | $3,500 | 2026-08-28 | — | |
| condos | 2 | 2 | 865 | $2,500 | 2026-08-27 | — | |
| condos | 2 | 2 | 927 | $2,600 | 2026-08-25 | — | |
| condos | 2 | 2 | 914 | $2,800 | 2026-04-16 | — | |
| apartment | 2 | 2 | 939 | $3,864 | — | — | |
| apartment | 2 | 2 | 939 | $3,611 | — | — | |
| condos | 2 | 2 | 1,055 | $4,200 | — | — | |
| apartment | 2 | 2 | 985 | $3,311 | — | — | |
| apartment | 2 | 2 | 1,053 | $3,103 | — | — | |
| apartment | 2 | 2 | 1,053 | $3,222 | — | — | |
| apartment | 2 | 2 | 1,048 | $2,990 | — | — | |
| apartment | 2 | 2 | 800 | $3,391 | — | — | |
| apartment | 2 | 2 | 1,060 | $3,249 | — | — | |
| apartment | 2 | 2 | 1,019 | $3,072 | — | — | |
| apartment | 2 | 2 | 939 | $3,528 | — | — | |
| apartment | 2 | 2 | 940 | $3,320 | — | — | |
| apartment | 2 | 2 | 940 | $3,385 | — | — | |
| apartment | 2 | 2 | 895 | $3,460 | — | — | |
| apartment | 2 | 2 | 860 | $3,534 | — | — | |
| apartment | 2 | 2 | 923 | $3,593 | — | — | |
| apartment | 2 | 2 | 923 | $3,573 | — | — | |
| apartment | 2 | 2 | 939 | $3,593 | — | — | |
| apartment | 2 | 2 | 939 | $3,588 | — | — | |
| apartment | 2 | 2 | 1,042 | $3,593 | — | — | |
| apartment | 2 | 2 | 923 | $3,563 | — | — | |
| apartment | 2 | 2 | 923 | $3,593 | — | — | |
| apartment | 2 | 2 | 939 | $3,568 | — | — | |
| apartment | 2 | 2 | 923 | $3,588 | — | — | |
| apartment | 2 | 2 | 923 | $3,593 | — | — | |
| apartment | 2 | 2 | 923 | $3,593 | — | — | |
| apartment | 2 | 2 | 939 | $3,588 | — | — | |
| apartment | 2 | 2 | 939 | $3,558 | — | — | |
| apartment | 2 | 2 | 1,042 | $3,593 | — | — | |
| apartment | 2 | 2 | 923 | $3,588 | — | — | |
| apartment | 2 | 2 | 939 | $3,593 | — | — | |
| apartment | 2 | 2 | 939 | $3,583 | — | — | |
| apartment | 2 | 2 | 1,042 | $3,608 | — | — | |
| apartment | 2 | 2 | 923 | $3,608 | — | — | |
| apartment | 2 | 2 | 1,042 | $3,608 | — | — | |
| apartment | 2 | 2 | 1,042 | $3,843 | — | — | |
| apartment | 2 | 2 | 990 | $3,723 | — | — | |
| apartment | 2 | 2 | 1,035 | $3,872 | — | — | |
| apartment | 2 | 2 | 1,052 | $4,790 | — | — | |
| apartment | 2 | 2 | 1,052 | $4,850 | — | — | |
| apartment | 2 | 1 | 768 | $2,990 | 2026-08-30 | — | |
| apartment | 2 | 2 | 1,052 | $4,855 | — | — | |
| apartment | 2 | 2 | 1,048 | $3,239 | — | — |
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 |
|---|---|---|---|---|---|---|
| 483 NW 19th St Unit 362 | condos | 2 | 1 | 782 | $218,000 | 2026-08-26 |
| 816 NW 11th St Apt 801 | condos | 2 | 2 | 1,067 | $335,000 | 2026-08-17 |
| 816 NW 11th St Apt 806 | condos | 2 | 2 | 891 | $301,000 | 2026-07-30 |
| 850 N Miami Ave Unit W2003 | condos | 2 | 2 | 914 | $320,000 | 2026-07-21 |
| 850 N Miami Ave Unit W1903 | condos | 2 | 2 | 914 | $300,000 | 2026-07-14 |
| 201 NW 7th St Apt 307 | condos | 2 | 2 | 1,037 | $350,000 | 2026-06-15 |
| 201 NW 7th St Apt 103 | condos | 2 | 2 | 1,037 | $340,000 | 2026-06-08 |
| 850 N Miami Ave Unit W609 | condos | 2 | 2 | 914 | $280,000 | 2026-05-14 |
| 850 N Miami Ave Apt 703 | condos | 2 | 2 | 914 | $272,000 | 2026-04-16 |
| 850 N Miami Ave Unit W1503 | condos | 2 | 2 | 914 | $295,000 | 2026-03-19 |
| 850 N Miami Ave Unit W1804 | condos | 2 | 2 | 914 | $305,000 | 2026-02-18 |
| 816 NW 11th St Apt 505 | condos | 2 | 2 | 882 | $270,000 | 2025-10-06 |
| 1010 NW 11th St Apt 601 | condos | 2 | 2 | 918 | $320,000 | 2025-09-28 |
| 816 NW 11th St Apt 405 | condos | 2 | 2 | 882 | $270,000 | 2025-09-19 |
| 800 N Miami Ave Unit E809 | condos | 2 | 2 | 914 | $313,000 | 2025-09-08 |
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 |
|---|---|---|---|---|---|---|
| 816 NW 11th St Apt 1208 | condos | 2 | 2 | 891 | $350,000 | — |
| 850 N Miami Ave Unit W708 | condos | 2 | 2 | 914 | $259,990 | — |
| 816 NW 11th St Apt 607 | condos | 2 | 2 | 891 | $330,000 | — |
| 850 N Miami Ave Unit W906 | condos | 2 | 2 | 903 | $294,999 | — |
| 980 NW N River Dr Unit 30 | townhomes | 2 | 3 | 1,287 | $675,000 | — |
| 816 NW 11th St Apt 402 | condos | 2 | 2 | 882 | $298,900 | — |
| 1060 NW 7th St Apt 205 | condos | 2 | 2 | 865 | $305,000 | — |
| 850 N Miami Ave Unit W1202 | condos | 2 | 2 | 848 | $330,000 | — |
10-year hold projection
IRR-9.5%
Equity multiple-0.62x
Total return (10yr)-$342,351
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $1,282,144 | -$12,317 | -$91,103 | $985,043 | $297,101 |
| 2 | $1,320,608 | -$12,441 | -$91,278 | $973,504 | $347,104 |
| 3 | $1,360,227 | -$12,564 | -$91,451 | $961,173 | $399,053 |
| 4 | $1,401,033 | -$12,683 | -$91,623 | $947,995 | $453,038 |
| 5 | $1,443,064 | -$12,800 | -$91,794 | $933,913 | $509,152 |
| 6 | $1,486,356 | -$12,914 | -$91,962 | $918,863 | $567,493 |
| 7 | $1,530,947 | -$13,024 | -$92,129 | $902,780 | $628,167 |
| 8 | $1,576,875 | -$13,131 | -$92,293 | $885,592 | $691,283 |
| 9 | $1,624,182 | -$13,234 | -$92,456 | $867,224 | $756,958 |
| 10 | $1,672,907 | -$13,333 | -$92,615 | $847,595 | $825,312 |
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.