13983 SW 280th Ter, Homestead, FL

Homestead, FL, 33033 · single_family · Off Market
Last sale price$310,000
3 beds 2 baths 1,200 sqft
View on Realtor.com →
Typesingle_family
Built1986
Price / sqft$258
Est. value (own analysis)$371,025
Rent estimate (own analysis)$2,800/mo
HOA$170/mo
Street view
View full map & nearby schools →

Neighborhood

Listing description

Come see this beautifully maintained townhome located in a quiet, family friendly neighborhood. Located mins from the turnpike, shops, and eateries. This home has recently installed recessed lighting throughout the home, covered outdoor patio (2023), outdoor shed, New inside AC unit (2023), and a power generator connection for the entire house. Perfect for first time home buyers, investors, or a small family. A must see. Don't miss out on the opportunity to make this house your home.

Property information

Homeowners Association

  • Association: Yes
  • Association Fee: 170
  • Association Fee Frequency: Monthly
  • Calculated Total Monthly Association Fees: 170
  • Senior Community: No

Rental Info

  • Lease Considered: No

Other Property Info

  • Annual Tax Amount: 3699
  • Source Listing Status: Closed
  • County: Miami-Dade
  • Tax Year: 2023
  • Source Property Type: Residential
  • Area: 79
  • Source Neighborhood: WATERSIDE TOWNHOMES SEC 2
  • Parcel Number: 30-79-03-017-0070
  • Postal City: Homestead
  • Postal Code Plus 4: 1839
  • Public Survey Range: 79
  • Public Survey Section: 3
  • Public Survey Township: 30
  • Subdivision: WATERSIDE TOWNHOMES SEC 2
  • Zoning Description: 2800
  • Property Subtype: SingleFamilyResidence

Building and Construction

  • Total Square Feet Living: 1200
  • Year Built: 1986
  • Building Area Total: 1216
  • Construction Materials: Block, Stucco
  • Direction Faces: East
  • Property Age: 40
  • Roof: Shingle
  • Levels or Stories: 1
  • Year Built Details: Resale
  • Vaulted Ceiling: Yes
  • Architectural Style: OneStory, Duplex

Property features

Appliances

  • Dryer
  • ElectricRange
  • ElectricWaterHeater
  • Disposal
  • Microwave
  • Laundry Features: WasherHookup, DryerHookup

Interior Features

  • BedroomOnMainLevel
  • Bathtub
  • FirstFloorEntry
  • Pantry
  • VaultedCeilings
  • Flooring: Tile

Heating and Cooling

  • Cooling Features: CentralAir
  • Heating Features: Central
  • Heating: Yes

Exterior and Lot Features

  • Fence
  • Lighting
  • Porch
  • Shed
  • StormSecurityShutters
  • Patio And Porch Features: Open, Porch
  • Road Surface Type: Paved
  • Porch: Yes

Land Info

  • Lot Description: LessThanQuarterAcre
  • Lot Size Acres: 0.0630165
  • Lot Size Square Feet: 2745

Garage and Parking

  • Parking Features: Driveway, Guest

Amenities and Community Features

  • Community Features: MaintainedCommunity

Utilities

  • Sewer: PublicSewer
  • Water Source: Public

Home Features

  • Security Features: SecurityGuard

Researched 2026-08-31 · Refresh from US Real Estate Listings (≥1609 of 6000 per our log)

Show every detail
Statussold
Last asking price$315,000
Owner on record
Coordinates25.50667, -80.41809
Address13983 SW 280th Ter, Homestead, FL
CityHomestead
StateFL
Zip33033
Property ID13983-Southwest-280th-Terrace,-Homestead,-FL-33033
SourceResearched via a live provider lookup, cached 2026-08-31

Annual property tax

YearAssessed valueTax paid
2025$247,200$4,887
2024$247,200$3,942
2023$225,000$3,698
2022$72,634$1,084
2021$70,519$1,067
2020$69,546$1,064
2019$67,983$1,055
2018$66,716$1,008
2017$65,344$1,009
2016$64,000$988
2015$26,060$1,108
2014$23,691$1,043
2013$21,538$902
2012$19,580$801
2011$24,470$896
2010$24,470$939
2009$69,910$1,759
2008$117,537$2,627
2007$130,487$2,861
Real multi-year tax history from a live provider lookup.

Listings history

DateEventPrice
2025-10-01Listing removed
2025-08-12Price Changed for rent$2,800
2025-07-16Listing removed
2025-07-14Price Changed for rent$2,900
2025-07-01Listed for rent$3,000
2025-06-25Listed for rent$3,000
2024-03-29Sold$310,000
2015-05-08Listing removed$95,000
2015-01-27Listed$95,000
2011-05-25Sold$22,000
2011-03-08Listed$19,900
2005-07-22Sold$135,000
2002-08-20Sold$52,500
1999-12-20Sold$70,000
1986-12-01Sold$56,000
Real listing/price/sale history from a live provider lookup.
Underwriting below uses your manually entered purchase price — not a current asking price, since this property isn't listed for sale.

Underwriting (buy-and-hold, default assumptions)

Purchase price$310,000
Down payment (3.5%, manually entered)$10,850
Loan amount$299,150
Closing costs (5.0%, manually entered)$15,500
Total cash to close$26,350
Rent (manually entered)$2,800$33,600
Vacancy loss (0.0%, manually entered)

Vacancy Loss

Gross Scheduled Rent × Vacancy Rate

Gross scheduled rent (annual) comp$33,600
Vacancy rate (manually entered) data0.0%

$33,600 × 0.0% = $0

Effective gross income$2,800$33,600
Property tax (manually entered)$407$4,887
Insurance (manually entered)$196$2,347
HOA dues$170$2,040
Management (0.0% of EGI, manually entered)$0$0
Maintenance (0.0% of GSR, manually entered)$0$0
Total operating expenses$773$9,274
Net operating income (NOI)

Net Operating Income (NOI)

Effective Gross Income − Total Operating Expenses

Effective gross income derived$33,600
Total operating expenses derived$9,274

$33,600 − $9,274 = $24,326

Debt service (5.75%, manually entered, 30yr amortizing)

Monthly Principal & Interest

Standard amortization on the loan amount, at the effective rate and term

Loan amount derived$299,150
Interest rate (manually entered) data5.8%
Term (assumption) assumption30 years

$299,150 amortized at 5.8% over 30 years = $1,746/mo

CapEx reserve (0.0% of GSR, manually entered)$0$0
Mortgage insurance (PMI) (0.75% of loan, placeholder — down payment below 20%)$187$2,244
Cash flow

Monthly Cash Flow

(NOI − Annual Debt Service − Annual CapEx Reserve − Annual PMI) ÷ 12

NOI derived$24,326
Annual debt service derived$20,949
Annual CapEx reserve assumption$0
Annual PMI assumption$2,244

($24,326 − $20,949 − $0 − $2,244) ÷ 12 = $94

Cap rate

Cap Rate

NOI ÷ Purchase Price

NOI derived$24,326
Purchase price data$310,000

$24,326 ÷ $310,000 = 7.8%

Cash-on-cash

Cash-on-Cash Return

Annual Cash Flow ÷ Total Cash Invested

Annual cash flow derived$1,133
Total cash to close derived$26,350

$1,133 ÷ $26,350 = 4.3%

DSCR

Debt Service Coverage Ratio (DSCR)

NOI ÷ Annual Debt Service

NOI derived$24,326
Annual debt service derived$20,949

$24,326 ÷ $20,949 = 1.16

Rent-to-price (1% rule)

Rent-to-Price (the "1% rule")

(Gross Scheduled Rent ÷ 12) ÷ Purchase Price

Gross scheduled rent (annual) comp$33,600
Purchase price data$310,000

($33,600 ÷ 12) ÷ $310,000 = 0.9%

Gross rent multiplier

Gross Rent Multiplier (GRM)

Purchase Price ÷ Gross Scheduled Rent

Purchase price data$310,000
Gross scheduled rent (annual) comp$33,600

$310,000 ÷ $33,600 = 9.2

Operating expense ratio

Operating Expense Ratio

Total Operating Expenses ÷ Effective Gross Income

Total operating expenses derived$9,274
Effective gross income derived$33,600

$9,274 ÷ $33,600 = 27.6%

Break-even occupancy

Break-Even Occupancy

(Total OpEx + Annual Debt Service + Annual PMI) ÷ Gross Scheduled Rent

Total operating expenses derived$9,274
Annual debt service derived$20,949
Annual PMI assumption$2,244
Gross scheduled rent (annual) comp$33,600

($9,274 + $20,949 + $2,244) ÷ $33,600 = 96.6%

Comparables

Same ZIP. Real active rental listings, used to derive the rent estimate above.

AddressTypeBedsBathsSqftAsking rentListedDays on market
single_family331,456$3,200
single_family321,581$2,3652026-05-14
single_family321,446$2,2002026-06-02
single_family321,260$2,2502026-05-01
single_family321,543$2,4002026-03-07
single_family321,535$2,7502026-07-25
single_family321,430$2,7992026-07-02
single_family321,553$2,9992026-07-10
single_family331,507$2,5002026-06-26
single_family321,313$2,6002026-06-08
single_family321,225$3,3002026-08-21
single_family321,288$2,6002026-06-11
single_family321,488$2,6902026-06-19
single_family321,270$2,8002026-05-15
single_family321,424$3,8502026-08-26
single_family321,610$3,1002026-08-10
single_family311,216$2,8002026-06-29
single_family321,507$3,3002026-08-25
single_family321,456$3,0002026-03-25
single_family321,408$2,6002026-05-29
single_family311,104$2,8002026-07-04
single_family321,351$3,4002026-08-20
single_family331,610$2,8002026-01-06
single_family321,200$2,8002026-08-13
single_family311,620$3,0002026-08-19
single_family321,552$2,6502026-08-03
single_family331,456$2,7002026-07-28
single_family331,428$2,7002026-06-29
single_family321,386$3,4002026-08-17
single_family321,542$3,3002026-07-31
single_family321,327$3,8002026-08-03
single_family321,456$3,1002026-04-13
single_family331,393$2,300
single_family331,331$2,600
single_family331,432$2,350
single_family331,393$2,600
single_family331,428$2,700
single_family331,363$2,900
single_family331,509$3,200
single_family321,426$2,900

4163 NE 11th St # 0

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,456
Listed
Days on market

Asking rent: $3,200

View on Zillow →

216 SE 32nd Ter

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,581
Listed2026-05-14
Days on market

Asking rent: $2,365

View on Zillow →

3766 NE 9th Ct Unit 3766

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,446
Listed2026-06-02
Days on market

Asking rent: $2,200

View on Zillow →

450 SE 30th Dr

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,260
Listed2026-05-01
Days on market

Asking rent: $2,250

View on Zillow →

2020 SE 5th Pl Unit 2020

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,543
Listed2026-03-07
Days on market

Asking rent: $2,400

View on Zillow →

236 SE 32nd Ave

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,535
Listed2026-07-25
Days on market

Asking rent: $2,750

View on Zillow →

2356 NE 3rd Ct Unit 2356

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,430
Listed2026-07-02
Days on market

Asking rent: $2,799

View on Zillow →

13758 SW 283rd Ter Unit 0

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,553
Listed2026-07-10
Days on market

Asking rent: $2,999

View on Zillow →

1142 NE 41st Ave Unit 1142

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,507
Listed2026-06-26
Days on market

Asking rent: $2,500

View on Zillow →

2240 Portofino Ave Unit 0

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,313
Listed2026-06-08
Days on market

Asking rent: $2,600

View on Zillow →

14811 SW 307th St Unit 14811

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,225
Listed2026-08-21
Days on market

Asking rent: $3,300

View on Zillow →

15945 SW 304th St

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,288
Listed2026-06-11
Days on market

Asking rent: $2,600

View on Zillow →

532 SE 21st Dr

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,488
Listed2026-06-19
Days on market

Asking rent: $2,690

View on Zillow →

30321 SW 155th Ave

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,270
Listed2026-05-15
Days on market

Asking rent: $2,800

View on Zillow →

13362 SW 282nd St

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,424
Listed2026-08-26
Days on market

Asking rent: $3,850

View on Zillow →

3710 NE 22nd Pl Unit 3710

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,610
Listed2026-08-10
Days on market

Asking rent: $3,100

View on Zillow →

1520 NE 14th St

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 1 ba
Square footage1,216
Listed2026-06-29
Days on market

Asking rent: $2,800

View on Zillow →

2529 NE 41st Ter

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,507
Listed2026-08-25
Days on market

Asking rent: $3,300

View on Zillow →

365 NE 32nd Ter Unit 365

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,456
Listed2026-03-25
Days on market

Asking rent: $3,000

View on Zillow →

3951 NE 11th Dr

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,408
Listed2026-05-29
Days on market

Asking rent: $2,600

View on Zillow →

30100 SW 150th Ct

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 1 ba
Square footage1,104
Listed2026-07-04
Days on market

Asking rent: $2,800

View on Zillow →

15979 SW 308th St Unit 0

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,351
Listed2026-08-20
Days on market

Asking rent: $3,400

View on Zillow →

2160 NE 37th Rd Unit 2160

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,610
Listed2026-01-06
Days on market

Asking rent: $2,800

View on Zillow →

14152 SW 291st Ter Unit 0

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,200
Listed2026-08-13
Days on market

Asking rent: $2,800

View on Zillow →

30162 SW 159th Ave

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 1 ba
Square footage1,620
Listed2026-08-19
Days on market

Asking rent: $3,000

View on Zillow →

2015 SE 5th Pl Unit 2015

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,552
Listed2026-08-03
Days on market

Asking rent: $2,650

View on Zillow →

3175 NE 4th St

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,456
Listed2026-07-28
Days on market

Asking rent: $2,700

View on Zillow →

268 SE 31st Ave

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,428
Listed2026-06-29
Days on market

Asking rent: $2,700

View on Zillow →

3401 NE 4th St

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,386
Listed2026-08-17
Days on market

Asking rent: $3,400

View on Zillow →

13421 SW 280th Ter

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,542
Listed2026-07-31
Days on market

Asking rent: $3,300

View on Zillow →

16552 SW 297th Ter Unit 16552

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,327
Listed2026-08-03
Days on market

Asking rent: $3,800

View on Zillow →

379 NE 31st Ave Unit 379

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,456
Listed2026-04-13
Days on market

Asking rent: $3,100

View on Zillow →

28706 SW 132nd Ct

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,393
Listed
Days on market

Asking rent: $2,300

View on Zillow →

13412 SW 287th Ter

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,331
Listed
Days on market

Asking rent: $2,600

View on Zillow →

544 SE 32nd Ave

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,432
Listed
Days on market

Asking rent: $2,350

View on Zillow →

13246 SW 285th St

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,393
Listed
Days on market

Asking rent: $2,600

View on Zillow →

939 NE 42nd Ter

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,428
Listed
Days on market

Asking rent: $2,700

View on Zillow →

4102 NE 26th St

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,363
Listed
Days on market

Asking rent: $2,900

View on Zillow →

4144 NE 26th St

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 3 ba
Square footage1,509
Listed
Days on market

Asking rent: $3,200

View on Zillow →

2210 NE 37th Rd # 0

Homestead, 33033 · rent comp

Bedrooms / bathrooms3 bd / 2 ba
Square footage1,426
Listed
Days on market

Asking rent: $2,900

View on Zillow →

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.

AddressTypeBedsBathsLiving sqftSale priceSale date
14521 SW 297th Stsingle_family311,056$435,0002026-08-21
2395 SE 7th Plsingle_family321,548$415,0002026-08-20
2105 NE 40th Avesingle_family321,787$475,0002026-08-17
2915 SE 4th Plsingle_family321,654$499,0002026-08-14
526 SE 35th Avesingle_family332,342$480,0002026-08-11
423 SE 33rd Tersingle_family331,968$465,0002026-08-11
16452 SW 293rd Stsingle_family321,508$550,0002026-08-10
16110 SW 300th Stsingle_family321,483$496,0002026-08-07
14850 SW 297th Stsingle_family321,058$450,0002026-08-06
3785 NE 2nd Stsingle_family321,616$405,0002026-08-05
14700 SW 302nd Stsingle_family311,260$525,0002026-08-04
15621 SW 302nd Stsingle_family311,525$522,0002026-08-03
30624 SW 152nd Ctsingle_family321,100$499,9002026-08-03
4149 NE 30th Stsingle_family321,443$430,0002026-07-29
1209 NE 32nd Avesingle_family321,380$390,0002026-07-28
29813 SW 158th Ctsingle_family321,283$450,0002026-07-28
29978 SW 158th Plsingle_family321,283$485,0002026-07-27
3110 SE 4th Plsingle_family321,613$450,0002026-07-24
14435 SW 289th Stsingle_family321,116$510,0002026-07-23
711 SE 14th Avesingle_family321,833$605,0002026-07-21
13372 SW 280th Tersingle_family321,542$162,0002026-07-21
29843 SW 158th Ctsingle_family321,283$495,0002026-07-21
28821 SW 147th Avesingle_family321,248$435,0002026-07-17
14980 SW 307th Stsingle_family321,583$320,0002026-07-16
16101 SW 301st Stsingle_family321,450$475,0002026-07-16
4112 NE 21st Ctsingle_family321,698$525,0002026-07-16
15115 SW 304th Tersingle_family311,100$497,0002026-07-15
15245 SW 298th Tersingle_family321,754$525,0002026-07-15
2890 NE 4th Stsingle_family342,664$590,0002026-07-15
560 SE 33rd Tersingle_family321,968$355,0002026-07-14
14211 SW 286th Stsingle_family321,325$515,0002026-07-13
28021 SW 133rd Plsingle_family321,542$525,0002026-07-13
1097 NE 40th Rdsingle_family331,652$440,0002026-07-10
3496 NE 3rd Drsingle_family321,386$399,0002026-07-10
2064 NE 35th Avesingle_family332,099$535,0002026-07-10
15545 Leisure Drsingle_family32$520,0002026-07-10
14525 SW 297th Tersingle_family311,056$460,0002026-07-09
1740 NE 36th Avesingle_family321,577$455,0002026-07-08
4103 NE 20th Stsingle_family321,698$525,0002026-07-07
3920 NE 13th Drsingle_family331,652$440,0002026-07-06
28424 SW 135th Avesingle_family321,171$500,0002026-07-02
30120 SW 156th Avesingle_family311,104$441,0002026-07-01
232 SE 32nd Tersingle_family321,456$400,0002026-07-01
1350 NE 42nd Avesingle_family342,603$520,0002026-06-30
77 NE 37th Plsingle_family331,962$464,9002026-06-30
1560 NE 11th Stsingle_family311,072$455,0002026-06-29
1570 NE 9th Stsingle_family311,238$499,9992026-06-29
455 SE 34th Tersingle_family332,004$520,0002026-06-26
3771 SE 5th Ctsingle_family321,728$465,0002026-06-26
1561 NE 14th Stsingle_family321,433$485,0002026-06-25

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.

AddressTypeBedsBathsSqftAsking priceDays on market
2585 SE 7th Plsingle_family321,548$385,000
460 SE 24th Drsingle_family321,519$399,900
142 SE 28th Ter Unit 11townhomes331,523$259,000
15485 Harrison Drsingle_family31855$350,000
1073 NE 30th Avetownhomes331,508$335,000
townhomes331,169$268,000
28393 SW 140th Pltownhomes321,200$295,000
15122 SW 297th Tersingle_family321,292$450,000

ZIP market snapshot (33033)

Typical home value (ZHVI)$436,367
Typical rent (ZORI)$2,539/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.

10-year hold projection

IRR25.8%
Equity multiple7.30x
Total return (10yr)$206,469
YearProperty valueNOICash flowLoan balanceEquity
1$319,300$24,326$1,133$295,302$23,998
2$328,879$25,102$1,909$291,226$37,653
3$338,745$25,903$2,710$286,910$51,835
4$348,908$26,729$3,536$282,339$66,569
5$359,375$27,580$4,388$277,498$81,877
6$370,156$28,459$5,266$272,371$97,785
7$381,261$29,365$6,172$266,942$114,319
8$392,699$30,300$7,107$261,192$131,507
9$404,480$31,264$8,071$255,103$149,377
10$416,614$32,258$9,066$248,654$167,960
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.
All figures are estimates for evaluation purposes only, not investment, tax, legal, or insurance advice. Property tax is estimated from a real matched tax bill or millage rate when available, a placeholder % of price otherwise; insurance is always a placeholder, not a real quote — verify both, along with association restrictions and permit status, before committing capital. Rent estimates come from real comps or Zillow's ZIP index, not appraisals.