927 SW 4th St
Miami, FL 33130 · single_family · For Sale · 51 days on market
Asking price$1,990,000
3 beds 2 baths 1,892 sqft
Suggested offer$696,218$1,293,782 above the est. market value of $696,218.
View on Realtor.com →Listed by Rachael Barach · RE MAX Preferred
Typesingle_family
Built1938
Price / sqft$1052
Est. value (own analysis)$696,218
Rent estimate (own analysis)$4,900/mo
HOANone
1 / 25
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Statusfor_sale
Listed date2026-07-13
Removed date—
MLSBeachesMLS #B26051804
Coordinates25.76468, -80.20057
Address927 SW 4th St
CityMiami
StateFL
Zip33130
Listing ID9762277817
Sourceus-real-estate-listings, cached 2026-08-29
ZIP market snapshot (33130)
Typical home value (ZHVI)$515,336
Typical rent (ZORI)$3,262/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 | $1,990,000 |
| Down payment (20.0%) | $398,000 |
| Loan amount | $1,592,000 |
| Closing costs (5.0%) | $99,500 |
| Total cash to close | $497,500 |
| Income | |
| Rent (comp-derived) | $4,900$58,800 |
| Vacancy loss (8.0%) | |
| Effective gross income | $4,508$54,096 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $3,151$37,810 |
| Insurance (placeholder 0.8% of price) | $1,327$15,920 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $245$2,940 |
| Total operating expenses | $4,723$56,670 |
| 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) | $245$2,940 |
| 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
Widened to city-wide. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| single_family | 3 | 2 | 2,153 | $6,000 | 2026-08-21 | — | |
| single_family | 3 | 1 | 1,350 | $2,700 | 2026-08-21 | — | |
| single_family | 3 | 2 | 2,334 | $3,800 | 2026-08-21 | — | |
| single_family | 3 | 2 | 1,440 | $3,400 | 2026-08-21 | — | |
| single_family | 3 | 2 | 1,706 | $3,800 | 2026-08-20 | — | |
| single_family | 3 | 2 | 2,180 | $3,500 | 2026-08-20 | — | |
| single_family | 3 | 2 | 2,043 | $12,000 | 2026-08-20 | — | |
| single_family | 3 | 2 | 1,962 | $2,800 | 2026-08-20 | — | |
| single_family | 3 | 2 | 1,350 | $3,200 | 2026-08-19 | — | |
| single_family | 3 | 1 | 1,965 | $3,000 | 2026-08-19 | — | |
| single_family | 3 | 2 | 1,762 | $2,800 | 2026-08-19 | — | |
| single_family | 3 | 2 | 1,314 | $5,000 | 2026-08-19 | — | |
| single_family | 3 | 2 | 2,078 | $11,500 | 2026-08-19 | — | |
| single_family | 3 | 2 | 1,681 | $3,150 | 2026-08-19 | — | |
| single_family | 3 | 2 | 2,019 | $3,000 | 2026-08-19 | — | |
| single_family | 3 | 3 | 2,084 | $5,999 | 2026-08-18 | — | |
| single_family | 3 | 2 | 1,778 | $4,200 | — | — | |
| single_family | 3 | 1 | 1,608 | $7,800 | 2026-08-17 | — | |
| single_family | 3 | 2 | 1,292 | $4,000 | 2026-08-17 | — | |
| single_family | 3 | 2 | 1,600 | $5,295 | 2026-08-17 | — | |
| single_family | 3 | 2 | 1,804 | $4,800 | 2026-08-17 | — | |
| single_family | 3 | 2 | 1,861 | $3,900 | 2026-08-15 | — | |
| single_family | 3 | 2 | 1,876 | $4,500 | 2026-08-14 | — | |
| single_family | 3 | 2 | 1,845 | $6,500 | 2026-08-13 | — | |
| single_family | 3 | 3 | 1,890 | $9,500 | 2026-08-13 | — | |
| single_family | 3 | 3 | 1,775 | $9,000 | 2026-08-12 | — | |
| single_family | 3 | 3 | 1,359 | $4,900 | 2026-08-11 | — | |
| single_family | 3 | 2 | 2,257 | $9,000 | 2026-08-11 | — | |
| single_family | 3 | 2 | 1,500 | $2,800 | 2026-08-11 | — | |
| single_family | 3 | 2 | 1,331 | $4,500 | 2026-08-10 | — | |
| single_family | 3 | 2 | 1,261 | $4,250 | 2026-08-10 | — | |
| single_family | 3 | 2 | 1,584 | $3,200 | 2026-08-10 | — | |
| single_family | 3 | 2 | 1,762 | $3,900 | 2026-08-10 | — | |
| single_family | 3 | 2 | 1,554 | $4,500 | 2026-08-07 | — | |
| single_family | 3 | 3 | 1,700 | $7,200 | 2026-08-07 | — | |
| single_family | 3 | 2 | 1,809 | $4,300 | 2026-08-07 | — | |
| single_family | 3 | 1 | 2,126 | $3,150 | 2026-08-07 | — | |
| single_family | 3 | 2 | 1,340 | $6,900 | 2026-08-07 | — | |
| single_family | 3 | 2 | 1,600 | $6,000 | 2026-08-07 | — | |
| single_family | 3 | 3 | 1,519 | $6,000 | 2026-08-07 | — | |
| single_family | 3 | 3 | 1,500 | $5,500 | 2026-08-07 | — | |
| single_family | 3 | 2 | 1,500 | $9,000 | 2026-08-07 | — | |
| single_family | 3 | 3 | 1,500 | $5,500 | 2026-08-07 | — | |
| single_family | 3 | 2 | 2,052 | $8,200 | 2026-08-06 | — | |
| single_family | 3 | 2 | 1,965 | $3,000 | 2026-08-06 | — | |
| single_family | 3 | 3 | 1,673 | $10,000 | 2026-08-05 | — | |
| single_family | 3 | 2 | 1,800 | $6,500 | 2026-08-05 | — | |
| single_family | 3 | 2 | 1,323 | $3,700 | 2026-08-05 | — | |
| single_family | 3 | 2 | 1,812 | $3,800 | 2026-08-05 | — | |
| single_family | 3 | 2 | 1,916 | $3,000 | 2026-08-05 | — | |
| single_family | 3 | 3 | 1,627 | $5,500 | 2026-07-27 | — | |
| single_family | 3 | 1 | 2,081 | $2,500 | 2026-07-16 | — | |
| single_family | 3 | 3 | 2,211 | $9,500 | 2026-07-24 | — | |
| single_family | 3 | 2 | 1,442 | $6,100 | 2026-07-23 | — | |
| single_family | 3 | 2 | 1,270 | $3,950 | 2026-07-23 | — | |
| single_family | 3 | 3 | 1,483 | $8,750 | 2026-07-21 | — | |
| single_family | 3 | 2 | 1,411 | $5,700 | 2026-07-21 | — | |
| single_family | 3 | 2 | 1,668 | $5,500 | 2026-07-21 | — | |
| single_family | 3 | 3 | 2,133 | $5,900 | — | — | |
| single_family | 3 | 2 | 1,290 | $5,300 | 2026-07-17 | — | |
| single_family | 3 | 3 | 1,443 | $5,300 | 2026-07-16 | — | |
| single_family | 3 | 2 | 1,286 | $5,000 | 2026-07-16 | — | |
| single_family | 3 | 2 | 1,535 | $3,500 | 2026-07-16 | — |
Widened to any bedroom count in ZIP. 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 |
|---|---|---|---|---|---|---|
| 910 SW 9th St | single_family | 2 | 1 | 800 | $399,000 | 2026-05-12 |
| 742 SW 10th St | single_family | 3 | 2 | 1,108 | $385,000 | 2026-02-18 |
| 627 SW 11th Ave | single_family | 3 | 2 | 1,493 | $580,000 | 2026-02-03 |
| 536 SW 3rd St | single_family | 5 | 2 | 2,442 | $800,000 | 2025-10-17 |
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 |
|---|---|---|---|---|---|---|
| 801 S Miami Ave Ph 5702 | condos | 3 | 3 | 2,179 | $2,999,999 | — |
| 88 SW 7th St Apt 4202 | condos | 3 | 5 | 2,514 | $4,999,999 | — |
| 88 SW 7th St Apt 2112 | condos | 3 | 4 | 1,645 | $1,480,000 | — |
| 801 S Miami Ave Unit 3101 | condos | 3 | 4 | 1,613 | $1,550,000 | — |
| 60 SW 13th St Apt 4001 | condos | 3 | 3 | 1,289 | $775,000 | — |
| 60 SW 13th St Apt 3426 | condos | 3 | 3 | 1,386 | $780,000 | — |
| 199 SW 12th Ave Unit 301C | condos | 3 | 2 | 1,069 | $375,000 | — |
| 104 SW 9th St Apt 1403 | condos | 3 | 2 | 1,050 | $485,000 | — |
10-year hold projection
IRR-7.3%
Equity multiple-0.23x
Total return (10yr)-$353,973
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $2,049,700 | -$2,574 | -$128,281 | $1,574,739 | $474,961 |
| 2 | $2,111,191 | -$2,368 | -$128,149 | $1,556,293 | $554,898 |
| 3 | $2,174,527 | -$2,148 | -$128,005 | $1,536,580 | $637,947 |
| 4 | $2,239,763 | -$1,915 | -$127,849 | $1,515,514 | $724,249 |
| 5 | $2,306,955 | -$1,668 | -$127,680 | $1,493,000 | $813,955 |
| 6 | $2,376,164 | -$1,405 | -$127,499 | $1,468,941 | $907,223 |
| 7 | $2,447,449 | -$1,126 | -$127,303 | $1,443,230 | $1,004,219 |
| 8 | $2,520,872 | -$832 | -$127,094 | $1,415,753 | $1,105,120 |
| 9 | $2,596,499 | -$520 | -$126,869 | $1,386,389 | $1,210,110 |
| 10 | $2,674,394 | -$190 | -$126,629 | $1,355,009 | $1,319,385 |
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.