15910 NW 20th Ave
Miami Gardens, FL 33054 · single_family · Pending — under contract · 215 days on market
Asking price$735,000
4 beds 3 baths 1,959 sqft
Suggested offer$664,146$70,854 above the est. market value of $664,146.
View on Realtor.com →Listed by Jose A. Ortiz · Olde Towne Inter'l Rlty
Typesingle_family
Built2026
Price / sqft$375
Est. value (own analysis)$664,146
Rent estimate (own analysis)$3,750/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood4/10moderate$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-01-30
Removed date—
MLSMiamiMLS #A11953640
Coordinates25.91956, -80.23476
Address15910 NW 20th Ave
CityMiami Gardens
StateFL
Zip33054
Listing ID9553121426
Sourceus-real-estate-listings, cached 2026-08-28
ZIP market snapshot (33054)
Typical home value (ZHVI)$429,838
Typical rent (ZORI)$2,279/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 | $735,000 |
| Down payment (20.0%) | $147,000 |
| Loan amount | $588,000 |
| Closing costs (5.0%) | $36,750 |
| Total cash to close | $183,750 |
| Income | |
| Rent (comp-derived) | $3,750$45,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $3,450$41,400 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $1,164$13,965 |
| Insurance (est. scaled by flood & wind risk) | $784$9,408 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $188$2,250 |
| Total operating expenses | $2,135$25,623 |
| 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) | $188$2,250 |
| 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 | 1,983 | $3,600 | 2026-08-14 | — | |
| single_family | 4 | 2 | 1,760 | $3,750 | 2026-08-13 | — | |
| single_family | 4 | 3 | 1,820 | $4,150 | — | — |
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 |
|---|---|---|---|---|---|---|
| 900 Superior St | single_family | 4 | 2 | 2,010 | $695,000 | 2026-08-25 |
| 1040 Curtiss Dr | single_family | 4 | 2 | 1,575 | $499,000 | 2026-08-21 |
| 16201 NW 18th Pl | single_family | 4 | 1 | 1,032 | $500,000 | 2026-08-05 |
| 1535 NW 153rd St | single_family | 4 | 2 | 1,866 | $385,000 | 2026-07-31 |
| 1890 Rutland St | single_family | 4 | 1 | 2,149 | $600,000 | 2026-07-31 |
| 15970 NW 37th Pl | single_family | 4 | 2 | 1,320 | $525,000 | 2026-07-29 |
| 1319 Jann Ave | single_family | 4 | 2 | 1,480 | $520,000 | 2026-07-22 |
| 2270 Service Rd | single_family | 4 | 3 | 1,838 | $570,000 | 2026-07-21 |
| 16300 NW 44th Ct | single_family | 4 | 2 | 3,756 | $900,000 | 2026-07-21 |
| 15921 NW 18th Pl | single_family | 4 | 2 | 1,372 | $570,000 | 2026-07-20 |
| 15600 NW 37th Pl | single_family | 4 | 3 | 1,765 | $590,000 | 2026-07-16 |
| 15331 NW 28th Ct | single_family | 4 | 3 | 1,740 | $589,900 | 2026-07-15 |
| 16130 NW 28th Ct | single_family | 4 | 2 | 1,200 | $545,000 | 2026-07-13 |
| 2410 NW 155th Ter | single_family | 4 | 2 | 1,871 | $615,000 | 2026-06-24 |
| 3171 NW 133rd St | single_family | 4 | 2 | 1,680 | $480,000 | 2026-06-16 |
| 6268313432 | single_family | 4 | 3 | — | $575,000 | 2026-06-07 |
| 16050 NW 27th Ct | single_family | 4 | 2 | 1,240 | $599,000 | 2026-06-05 |
| 15745 NW 28th Pl | single_family | 4 | 2 | 1,200 | $450,000 | 2026-06-03 |
| 16110 NW 28th Pl | single_family | 4 | 2 | 1,200 | $565,000 | 2026-05-20 |
| 2270 NW 153rd St | single_family | 4 | 3 | 1,143 | $530,000 | 2026-05-19 |
| 15771 NW 17th Pl | single_family | 4 | 1 | 1,175 | $257,500 | 2026-05-19 |
| 16310 NW 22nd Ct | single_family | 4 | 3 | 2,017 | $550,000 | 2026-05-12 |
| 2501 NW 151st St | single_family | 4 | 2 | 1,296 | $510,000 | 2026-04-24 |
| 4607 NW 165th St | single_family | 4 | 2 | 1,932 | $710,000 | 2026-04-22 |
| 16001 NW 28th Pl | single_family | 4 | 2 | 1,200 | $540,000 | 2026-04-22 |
| 540 Harem Ave | single_family | 4 | 3 | 1,895 | $560,000 | 2026-04-21 |
| 13380 NW 32nd Ave | single_family | 4 | 2 | 938 | $504,000 | 2026-04-07 |
| 2505 NW 162nd Ter | single_family | 4 | 2 | 1,350 | $589,000 | 2026-04-07 |
| 3270 NW 132nd Ter | single_family | 4 | 3 | 1,425 | $399,000 | 2026-04-03 |
| 2021 Wilmington St | single_family | 4 | 3 | 1,599 | $475,000 | 2026-04-02 |
| 2860 NW 164th Ter | single_family | 4 | 2 | 1,456 | $559,000 | 2026-03-30 |
| 15900 NW 27th Ct | single_family | 4 | 2 | 1,200 | $335,000 | 2026-03-25 |
| 2960 NW 160th St | single_family | 4 | 2 | 1,200 | $550,000 | 2026-03-24 |
| 16011 NW 38th Ct | single_family | 4 | 3 | 2,134 | $645,000 | 2026-03-24 |
| 2845 NW 164th Ter | single_family | 4 | 2 | 1,420 | $600,000 | 2026-03-17 |
| 16430 NW 20th Ave | single_family | 4 | 2 | 1,959 | $495,000 | 2026-03-13 |
| 1060 Oriental Blvd | single_family | 4 | 3 | 1,313 | $430,000 | 2026-03-11 |
| 3795 NW 165th St | single_family | 4 | 2 | 1,642 | $550,000 | 2026-02-17 |
| 16140 NW 17th Pl | single_family | 4 | 1 | 1,112 | $495,000 | 2026-01-29 |
| 2770 NW 164th Ter | single_family | 4 | 2 | 1,200 | $525,000 | 2026-01-26 |
| 2510 NW 152nd St | single_family | 4 | 2 | 1,722 | $550,000 | 2025-12-22 |
| 16101 NW 18th Ave | single_family | 4 | 2 | 1,610 | $543,000 | 2025-12-05 |
| 3101 NW 164th Ter | single_family | 4 | 2 | 1,171 | $520,000 | 2025-12-02 |
| 2791 NW 151st Ter | single_family | 4 | 2 | 1,106 | $500,000 | 2025-11-28 |
| 2246 Service Rd | single_family | 4 | 2 | 1,743 | $463,000 | 2025-11-20 |
| 16330 NW 19th Avenue Rd | single_family | 4 | 2 | 1,924 | $550,000 | 2025-11-19 |
| 1931 Wilmington St | single_family | 4 | 2 | 1,186 | $382,000 | 2025-11-18 |
| 940 Oriental Blvd | single_family | 4 | 2 | 1,377 | $509,900 | 2025-11-12 |
| 2951 NW 151st Ter | single_family | 4 | 2 | 1,258 | $480,000 | 2025-11-05 |
| 13210 NW 28th Ave | single_family | 4 | 2 | 1,546 | $524,000 | 2025-10-21 |
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 |
|---|---|---|---|---|---|---|
| 2855 NW 164th St | single_family | 4 | 2 | 1,200 | $285,000 | — |
| 16011 NW 40th Ct | single_family | 4 | 3 | 1,974 | $599,000 | — |
| 16025 NW 20th Ave | single_family | 4 | 3 | 2,019 | $587,000 | — |
| 15850 NW 18th Pl | single_family | 4 | 2 | 1,272 | $500,000 | — |
| 721 Atlantic Ave | single_family | 4 | 2 | 1,755 | $619,000 | — |
| 1980 Service Rd | single_family | 4 | 2 | 1,316 | $399,000 | — |
| 1240 Sharazad Blvd | single_family | 4 | 2 | 1,032 | $480,000 | — |
| 1920 Rutland St | single_family | 4 | 2 | 1,242 | $480,000 | — |
10-year hold projection
IRR-1.5%
Equity multiple0.75x
Total return (10yr)$49,206
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $757,050 | $15,777 | -$31,817 | $581,625 | $175,425 |
| 2 | $779,762 | $16,378 | -$31,272 | $574,812 | $204,950 |
| 3 | $803,154 | $17,001 | -$30,707 | $567,531 | $235,624 |
| 4 | $827,249 | $17,646 | -$30,121 | $559,750 | $267,499 |
| 5 | $852,066 | $18,313 | -$29,514 | $551,435 | $300,632 |
| 6 | $877,628 | $19,004 | -$28,886 | $542,548 | $335,080 |
| 7 | $903,957 | $19,719 | -$28,234 | $533,052 | $370,905 |
| 8 | $931,076 | $20,459 | -$27,559 | $522,903 | $408,173 |
| 9 | $959,008 | $21,225 | -$26,860 | $512,058 | $446,951 |
| 10 | $987,779 | $22,018 | -$26,136 | $500,467 | $487,311 |
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.