Harbour Dr Berry Island Harbor, FL 33144 · single_family · For Sale · 84 days on market
Asking price$2,500,000
4 beds 3 baths — sqft
Suggested offer$675,000$1,825,000 above the est. market value of $675,000.
View on Realtor.com →Listed by Ana Perez · Real Realty Investment
Typesingle_family
Built2013
Price / sqft—
Est. value (own analysis)$675,000
Rent estimate (Zillow ZIP avg)$2,322/mo
HOANone
1 / 21
Show every detail
Statusfor_sale
Listed date2026-06-10
Removed date—
MLSMiamiMLS #A12031026
Coordinates—
Address
CityHarbour Dr Berry Island Harbor
StateFL
Zip33144
Listing ID9118343174
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33144)
Typical home value (ZHVI)$626,128
Typical rent (ZORI)$2,322/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 | $2,500,000 |
| Down payment (20.0%) | $500,000 |
| Loan amount | $2,000,000 |
| Closing costs (5.0%) | $125,000 |
| Total cash to close | $625,000 |
| Income | |
| Rent (ZIP avg, ZORI — not bedroom-specific) | $2,322$27,862 |
| Vacancy loss (8.0%) | |
| Effective gross income | $2,136$25,633 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $3,958$47,500 |
| Insurance (placeholder 0.8% of price) | $1,667$20,000 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $116$1,393 |
| Total operating expenses | $5,741$68,893 |
| 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) | $116$1,393 |
| 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 | 2 | 1,250 | $3,950 | 2026-05-05 | — | |
| single_family | 4 | 2 | 1,649 | $4,900 | 2026-08-03 | — |
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 |
|---|---|---|---|---|---|---|
| 7893 SW 9th Ter | single_family | 4 | 3 | 1,816 | $710,000 | 2026-08-11 |
| 7191 SW 15th St | single_family | 4 | 2 | 1,008 | $560,000 | 2026-07-13 |
| 300 SW 71st Ave | single_family | 4 | 3 | 1,624 | $725,000 | 2026-06-23 |
| 605 SW 73rd Ct | single_family | 4 | 2 | 1,566 | $640,000 | 2026-06-23 |
| 1425 SW 85th Ave | single_family | 4 | 2 | 1,620 | $650,000 | 2026-06-22 |
| 6061 SW 13th St | single_family | 4 | 3 | 2,597 | $1,400,000 | 2026-05-20 |
| 6810 SW 1st St | single_family | 4 | 2 | 1,350 | $502,000 | 2026-05-15 |
| 315 SW 63rd Ave | single_family | 4 | 3 | 1,657 | $510,000 | 2026-05-13 |
| 7801 SW 9th Ter | single_family | 4 | 3 | 1,752 | $680,000 | 2026-04-23 |
| 7880 SW 14th Ter | single_family | 4 | 3 | 2,261 | $740,000 | 2026-04-10 |
| 110 Flagami Blvd | single_family | 4 | 3 | 1,580 | $595,000 | 2026-03-31 |
| 8001 SW 14th Ter | single_family | 4 | 3 | 1,680 | $696,900 | 2026-03-30 |
| 7110 SW 13th Ter | single_family | 4 | 3 | 1,570 | $625,000 | 2026-03-26 |
| 606 SW 58th Ct | single_family | 4 | 3 | 2,134 | $753,000 | 2026-03-26 |
| 8490 Grand Canal Dr | single_family | 4 | 3 | 2,376 | $840,000 | 2026-03-02 |
| 670 Flagami Blvd | single_family | 4 | 2 | 1,486 | $675,000 | 2026-02-20 |
| 1325 SW 78th Ave | single_family | 4 | 2 | 1,658 | $389,000 | 2025-12-23 |
| 8220 SW 12th Ter | single_family | 4 | 2 | 1,395 | $670,000 | 2025-10-30 |
| 1401 SW 57th Ave | single_family | 4 | 2 | 2,261 | $846,800 | 2025-10-28 |
| 724 Tamiami Canal Rd | single_family | 4 | 3 | 1,590 | $567,111 | 2025-09-30 |
| 1245 SW 85th Ave | single_family | 4 | 2 | 1,837 | $800,000 | 2025-09-17 |
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 |
|---|---|---|---|---|---|---|
| 331 Tamiami Canal Rd | single_family | 4 | 2 | 1,557 | $489,999 | — |
| 8215 Grand Canal Dr | single_family | 4 | 5 | 4,567 | $1,999,999 | — |
| 5757 SW 3rd St | single_family | 4 | 3 | 2,667 | $998,000 | — |
| 1421-1419 SW 76 Ct | single_family | 4 | 2 | 2,247 | $837,000 | — |
| 1419 SW 76th Ct | multi_family | 4 | 3 | 2,247 | $837,000 | — |
| 717 Tamiami Canal Rd | single_family | 4 | 3 | 1,740 | $650,000 | — |
| 255 Central Blvd | single_family | 4 | 3 | 1,569 | $850,000 | — |
| 8241 SW 12th Ter | single_family | 4 | 3 | 2,352 | $825,000 | — |
10-year hold projection
IRR-11.3%
Equity multiple-0.93x
Total return (10yr)-$878,376
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $2,575,000 | -$43,260 | -$198,884 | $1,978,316 | $596,684 |
| 2 | $2,652,250 | -$44,214 | -$199,872 | $1,955,142 | $697,108 |
| 3 | $2,731,818 | -$45,187 | -$200,881 | $1,930,377 | $801,440 |
| 4 | $2,813,772 | -$46,181 | -$201,911 | $1,903,912 | $909,861 |
| 5 | $2,898,185 | -$47,195 | -$202,963 | $1,875,629 | $1,022,557 |
| 6 | $2,985,131 | -$48,231 | -$204,037 | $1,845,403 | $1,139,727 |
| 7 | $3,074,685 | -$49,288 | -$205,134 | $1,813,103 | $1,261,582 |
| 8 | $3,166,925 | -$50,367 | -$206,253 | $1,778,584 | $1,388,341 |
| 9 | $3,261,933 | -$51,469 | -$207,396 | $1,741,694 | $1,520,239 |
| 10 | $3,359,791 | -$52,593 | -$208,563 | $1,702,272 | $1,657,519 |
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.