439 Hardee Rd
Coral Gables, FL 33146 · single_family · For Sale · 108 days on market
Asking price$4,499,000
4 beds 4 baths 2,701 sqft
Suggested offer$2,806,176$1,692,824 above the est. market value of $2,806,176.
View on Realtor.com →Listed by Jihan Madruga · Ubiica Llc
Typesingle_family
Built1958
Price / sqft$1666
Est. value (own analysis)$2,806,176
Rent estimate (own analysis)$14,500/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood4/10moderate$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2026-05-17
Removed date—
MLSMiamiMLS #A12020572
Coordinates25.71289, -80.26271
Address439 Hardee Rd
CityCoral Gables
StateFL
Zip33146
Listing ID9585850475
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33146)
Typical home value (ZHVI)$1,955,688
Typical rent (ZORI)$3,608/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 | $4,499,000 |
| Down payment (20.0%) | $899,800 |
| Loan amount | $3,599,200 |
| Closing costs (5.0%) | $224,950 |
| Total cash to close | $1,124,750 |
| Income | |
| Rent (comp-derived) | $14,500$174,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $13,340$160,080 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $7,123$85,481 |
| Insurance (est. scaled by flood & wind risk) | $4,799$57,587 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $725$8,700 |
| Total operating expenses | $12,647$151,768 |
| 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) | $725$8,700 |
| 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 | 3,380 | $3,998 | 2026-07-30 | — | |
| single_family | 4 | 4 | 2,454 | $11,500 | 2026-08-27 | — | |
| single_family | 4 | 4 | 2,831 | $12,500 | 2026-04-24 | — | |
| single_family | 4 | 3 | 2,023 | $11,000 | 2026-08-13 | — | |
| single_family | 4 | 3 | 2,686 | $14,500 | 2026-08-03 | — | |
| single_family | 4 | 3 | 2,638 | $16,500 | 2026-06-25 | — | |
| single_family | 4 | 3 | 2,682 | $15,000 | 2026-07-29 | — | |
| single_family | 4 | 3 | 2,054 | $14,500 | 2026-08-13 | — | |
| single_family | 4 | 3 | 2,460 | $15,000 | 2026-08-05 | — |
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 |
|---|---|---|---|---|---|---|
| 548 Vilabella Ave | single_family | 4 | 2 | 2,079 | $2,000,000 | 2026-08-31 |
| 4000 Alhambra Cir | single_family | 4 | 2 | 2,612 | $1,555,000 | 2026-07-31 |
| 1431 Certosa Ave | single_family | 4 | 4 | 3,050 | $3,900,000 | 2026-07-16 |
| 6510 Castaneda St | single_family | 4 | 3 | 4,015 | $3,700,000 | 2026-06-10 |
| 1233 Alegriano Ave | single_family | 4 | 3 | 3,055 | $3,450,000 | 2026-06-10 |
| 725 Vilabella Ave | single_family | 4 | 4 | 3,372 | $4,000,000 | 2026-06-05 |
| 1400 Siena Ave | single_family | 4 | 3 | 2,494 | $2,475,000 | 2026-05-26 |
| 449 Miller Rd | single_family | 4 | 4 | 2,587 | $3,190,000 | 2026-05-20 |
| 440 Rosaro Ave | single_family | 4 | 2 | 2,334 | $1,560,000 | 2026-04-27 |
| 4108 Palmarito St | single_family | 4 | 2 | 2,668 | $3,035,000 | 2026-04-27 |
| 4701 Santa Maria St | single_family | 4 | 3 | 2,485 | $3,000,000 | 2026-04-24 |
| 4311 Monserrate St | single_family | 4 | 2 | 3,365 | $4,300,000 | 2026-04-14 |
| 5211 Granada Blvd | single_family | 4 | 3 | 2,415 | $2,312,500 | 2026-04-07 |
| 4315 Anderson Rd | single_family | 4 | 4 | 3,094 | $3,650,000 | 2026-03-31 |
| 5907 Riviera Dr | single_family | 4 | 3 | 3,060 | $3,450,000 | 2026-03-26 |
| 707 Vilabella Ave | single_family | 4 | 4 | — | $3,750,000 | 2026-03-18 |
| 4705 Alhambra Cir | single_family | 4 | 3 | 2,906 | $2,670,000 | 2026-03-12 |
| 1409 Algardi Ave | single_family | 4 | 5 | 4,410 | $5,600,000 | 2026-02-12 |
| 5120 Carillo St | single_family | 4 | 3 | 3,080 | $2,790,000 | 2026-01-14 |
| 430 Miller Rd | single_family | 4 | 2 | 2,416 | $1,650,000 | 2025-12-30 |
| 1516 Certosa Ave | single_family | 4 | 3 | 2,290 | $2,150,000 | 2025-12-30 |
| 6910 Granada Blvd | single_family | 4 | 4 | 2,998 | $3,180,000 | 2025-12-26 |
| 1241 Bird Rd | single_family | 4 | 5 | 3,395 | $2,800,000 | 2025-12-12 |
| 437 Bird Rd | single_family | 4 | 2 | 2,015 | $1,600,000 | 2025-12-10 |
| 1360 Mendavia Ave | single_family | 4 | 4 | 3,056 | $3,175,000 | 2025-12-09 |
| 518 Daroco Ave | single_family | 4 | 3 | 1,994 | $2,300,000 | 2025-11-20 |
| 5601 San Vicente St | single_family | 4 | 5 | 3,830 | $3,465,000 | 2025-10-14 |
| 6400 Caballero Blvd | single_family | 4 | 4 | 3,171 | $4,700,000 | 2025-09-10 |
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 |
|---|---|---|---|---|---|---|
| 4149 S Le Jeune Rd | single_family | 4 | 5 | 3,820 | $5,895,000 | — |
| 1043 Alfonso Ave | single_family | 4 | 3 | 2,500 | $2,699,000 | — |
| 1540 Urbino Ave | single_family | 4 | 3 | 2,197 | $2,149,000 | — |
| 1208 Hardee Rd | single_family | 4 | 3 | 2,123 | $2,750,000 | — |
| 1181 S Alhambra Cir | single_family | 4 | 4 | 2,654 | $4,900,000 | — |
| 4100 Monserrate St | single_family | 4 | 5 | 2,958 | $4,250,000 | — |
| 1415 Trillo Ave | single_family | 4 | 3 | 2,265 | $2,550,000 | — |
| 6511 Riviera Dr | single_family | 4 | 4 | 2,766 | $3,999,000 | — |
10-year hold projection
IRR-6.6%
Equity multiple-0.10x
Total return (10yr)-$655,109
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $4,633,970 | $8,312 | -$277,941 | $3,560,177 | $1,073,793 |
| 2 | $4,772,989 | $9,320 | -$277,151 | $3,518,474 | $1,254,516 |
| 3 | $4,916,179 | $10,377 | -$276,316 | $3,473,907 | $1,442,272 |
| 4 | $5,063,664 | $11,486 | -$275,436 | $3,426,279 | $1,637,385 |
| 5 | $5,215,574 | $12,648 | -$274,509 | $3,375,381 | $1,840,193 |
| 6 | $5,372,041 | $13,865 | -$273,532 | $3,320,988 | $2,051,053 |
| 7 | $5,533,203 | $15,139 | -$272,503 | $3,262,860 | $2,270,343 |
| 8 | $5,699,199 | $16,474 | -$271,421 | $3,200,739 | $2,498,459 |
| 9 | $5,870,175 | $17,870 | -$270,284 | $3,134,353 | $2,735,821 |
| 10 | $6,046,280 | $19,330 | -$269,088 | $3,063,409 | $2,982,871 |
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.