123 Sample Street
Miami, FL 33129
Report Date 4/20/2026
Comps from Miami Assoc. of REALTORS®
Tax & parcel from FL DOR 2024
Get My Mortgage Quote
Tax & parcel from FL DOR 2024
MW
Report prepared by Michael Williamson, MBA
Licensed Real Estate Broker — FL Lic. #3488918 · GA Lic. #426595
Mortgage Broker — NMLS #1967971 · NMLS #1940456 · MortgageQuote.com
Mortgage Broker — NMLS #1967971 · NMLS #1940456 · MortgageQuote.com
RE Broker
Mortgage Broker
MLS Access
Additional Home Details
FL DOR · FEMA · MLSLiving Area1,546 Sq. Ft.
Lot Size6,749 Sq. Ft.
Total Rooms—
Bedrooms3
Bathrooms2
Stories1
Year Built1957
Property TypeSingle Family Detached
ZoningRS-5
Subdivision 38-13 B
HOA Name—
HOA Fee—
HOA Includes—
Owner OccupiedYes Homesteaded
Tax Year2024
Tax Amount$8,194
Property in Flood ZoneYes Zone AE
Basement—
PoolNo None
Garage Spaces0
ConditionExcellent
CountyMiami-Dade
Neighborhood Market Summary
Descriptive stats · MLS comps within 0.6 mi
These are observed statistics from 8 single-family sales and listings within a 0.6-mile radius of the subject, over the last 6 months. No predictive model is applied — you're seeing the raw central tendency of the local market.
Median $/Sq Ft
$465
Closed + active, 8 comps
Median Sale Price
$725,000
5 closed sales, last 6 mo
Active List Range
$770K–$825K
3 active listings
Median Days on Market
40
Among sold comps
Comparable Sales (CMA)
Miami Association of REALTORS® MLS
Comparable properties within 0.6 miles, 2–3 bedrooms, 1,300–1,900 sq ft, last 6 months.
Prepared by Michael Williamson, MBA — Licensed Real Estate Broker (FL #3488918, GA #426595) and Mortgage Broker (NMLS #1967971, #1940456).
Data source: Miami Association of REALTORS® MLS; public records via Miami-Dade County Property Appraiser.
| Address | Dist. | Status | Price | $/Sq Ft | Date | Bd/Ba | GLA | Yr Blt |
|---|---|---|---|---|---|---|---|---|
|
123 Sample Street SUBJECT
Miami, FL 33129
|
— | Prior Sale | $416,500 | $269 | 10/5/2020 | 3 / 2 | 1,546 | 1957 |
1126 Lincoln StMiami, FL 33129 |
0.42 mi | Active | $825,000 | $586 | 2/6/2026 | 3 / 2 | 1,409 | 1952 |
930 N 11th CtMiami, FL 33129 |
0.35 mi | Closed | $780,000 | $577 | 3/25/2026 | 3 / 3 | 1,352 | 1957 |
1246 SW 15th RoadMiami, FL 33129 |
0.25 mi | Active | $800,000 | $556 | 3/31/2026 | 2 / 2 | 1,440 | 1958 |
1316 Arthur StMiami, FL 33129 |
0.06 mi | Closed | $625,000 | $372 | 12/24/2025 | 3 / 2 | 1,678 | 1963 |
1250 Arthur StMiami, FL 33129 |
0.11 mi | Active | $770,000 | $410 | 3/8/2026 | 3 / 2 | 1,876 | 1963 |
1017 Lincoln StMiami, FL 33129 |
0.55 mi | Closed | $840,000 | $458 | 3/4/2026 | 3 / 2 | 1,836 | 1970 |
923 N 14th AveMiami, FL 33020 |
0.13 mi | Closed | $650,000 | $480 | 11/10/2025 | 2 / 2 | 1,354 | 1956 |
1322 SW 15th RoadMiami, FL 33129 |
0.21 mi | Closed | $625,000 | $471 | 2/18/2026 | 3 / 2 | 1,326 | 1958 |
Rental Comparables
MLS — similar size & type
Nearby rentals (single-family, 2–5 bedrooms, 1,300–1,900 sq ft). These are observed listing and closed rents — not an estimate of what this specific property would rent for. Use the investment calculator below to test your own rent assumption.
| Address | Dist. | Status | Rent/mo | Date | Bd/Ba | GLA | Yr Blt |
|---|---|---|---|---|---|---|---|
1162 Hayes StMiami, FL 33129 | 0.29 mi | Active | $7,500 | 3/31/2026 | 5 / 3 | 1,318 | 1970 |
1150 Hayes StMiami, FL 33129 | 0.33 mi | Closed | $4,200 | 8/29/2025 | 3 / 3 | 1,561 | 1957 |
1327 Garfield StMiami, FL 33129 | 0.03 mi | Closed | $3,900 | 5/29/2025 | 3 / 2 | 1,557 | 1963 |
1527 Mayo StMiami, FL 33020 | 1.60 mi | Active | $5,500 | 3/31/2026 | 3 / 2 | 1,462 | 1950 |
818 N 12th AveMiami, FL 33129 | 0.32 mi | Closed | $3,850 | 10/31/2025 | 3 / 2 | 1,905 | 1965 |
2101 N 52nd AveMiami, FL 33021 | 3.84 mi | Active | $4,995 | 12/29/2025 | 3 / 2 | 1,618 | 1967 |
1532 Fletcher StMiami, FL 33020 | 1.70 mi | Active | $4,200 | 3/18/2026 | 3 / 3 | 1,608 | 1950 |
Transaction History
Miami-Dade County Clerk & MLS| Date | Event | Type | Price | Source |
|---|---|---|---|---|
| Feb 19, 2021 | Deed Recorded | Deed | — | Clerk of Court |
| Oct 5, 2020 | Closed Arms-Length | Closed | $416,500 | MLS + Deed |
| Sep 5, 2020 | Under Contract | Listing | $435,000 | MLS |
| Jan 17, 2018 | Closed Arms-Length | Closed | $400,000 | Deed |
Assigned Public Schools
Miami-Dade County Public Schools
Public schools assigned to this address per the Miami-Dade County Public Schools boundary map. In Florida, students are assigned based on their primary residential address — not on proximity alone. Magnet, charter, and school-choice options may also be available by application.
Verify before you rely on this. We show only publicly available facts — school names, addresses, grade levels, and assignment zones per the Miami-Dade County Public Schools boundary map. For the most current official school letter grade, performance ratings, and demographic data, visit the Florida Department of Education accountability portal. School zone boundaries can change year to year — confirm current assignment at the Miami-Dade School Locator tool before making any decision. We do not republish proprietary school ratings from third-party services.
Neighborhood Character
Location · ContextThis property sits in Miami's subdivision on a residential street roughly 4 blocks east of the Biscayne Bay and approximately 1.1 miles from Key Biscayne / Virginia Key. The surrounding area is a mid-century single-family grid built in the late 1950s through mid-1960s, with lots averaging around 6,500 square feet. The following descriptive facts are drawn from public maps and observable geography — no proprietary scoring system is used.
Street type
Residential grid street; local-access only (not a through-street connector), sidewalks on most blocks, wide setbacks typical of mid-century Florida subdivisions.
Proximity to beach
~3 miles to Key Biscayne (Crandon Park, Bill Baggs) via Rickenbacker Causeway (approx. 4–5 min drive, 20–25 min walk).
Biscayne Bay access
~4 blocks east to the Biscayne Bay. No direct waterfront frontage on this parcel per public maps.
Nearby commercial
SW 15th Road and Brickell Avenue corridors (~0.3–0.6 mi) — grocery, dining, banking within a short drive.
Public transit
Miami-Dade Transit (bus + Metrorail + Metromover) serves the Brickell area. Brickell station (Metrorail) ~0.5 mi. MIA airport ~6 mi west via SR-836.
Biking terrain
Flat (the entire area is at or near sea level). The Underline and Rickenbacker Causeway offer bike corridors to Coconut Grove and Key Biscayne.
For official walkability, bike, and transit ratings, visit independent providers like walkscore.com (a trademarked product of Redfin Corporation) and enter this address. We do not republish third-party ratings; we describe only publicly observable facts about the property's location.
Internet Availability
FCC National Broadband MapBuying a home today means asking whether you can actually work from it. The FCC National Broadband Map is the official federal source for internet service availability at every U.S. address — it lists every fixed broadband provider (fiber, cable, DSL, fixed wireless) reporting service at a given location, along with each provider's advertised maximum speeds. South Florida generally has strong coverage — most homes in Miami have multiple wireline providers available — but confirming the specific offer set at this address is worth doing before closing, especially for buyers who work remotely.
FCC Official Lookup
View every fixed broadband provider at this address
Opens the FCC National Broadband Map's Location Summary pre-populated with this property's address. Shows wireline providers, technology types, and advertised speeds reported under the Broadband DATA Act.
→
How the data is compiled. Internet service providers are required by federal law to report service availability at every broadband-serviceable location (BSL). Data is refreshed twice a year and users can file challenges at the FCC site if reported coverage doesn't match reality. Source: FCC Broadband Data Collection (BDC), public domain. More detail at broadbandmap.fcc.gov.
Hurricane & Wind Zone Designation
FL Building Code · FEMA · Miami-Dade County
Florida building code assigns every parcel wind-load and flood-protection standards based on the county, proximity to the coast, and FEMA flood mapping. These classifications affect building code requirements, insurance pricing, and mortgage lender requirements. All values below are public record.
High Velocity Hurricane Zone (HVHZ)
Yes HVHZ
Miami-Dade County is fully designated HVHZ per FL Building Code §1609. HVHZ parcels require impact-rated windows/doors and products with Miami-Dade NOA or Miami-Dade approval.
Ultimate Design Wind Speed
175 mph
Per ASCE 7-22 wind contour map adopted in the 2023 Florida Building Code (8th Edition) for this coastal Miami-Dade location. Construction and replacement products must be certified to withstand this speed.
FEMA Flood Zone
Zone AE SFHA
Special Flood Hazard Area — 1% annual flood chance (the "100-year flood"). Mortgage lenders require flood insurance for properties in Zone AE with federally-backed loans.
Hurricane Evacuation Zone
Zone B Evac B
Miami-Dade County assigns evacuation zones A (highest priority) through E. Zone B typically evacuates for major hurricanes (Cat 2+). Verify at miamidade.gov/Hurricane.
Florida Insurance Reality Check
Educational · Typical market ranges · Not a quote
Florida insurance is the #1 post-contract surprise for homebuyers. Before you write an offer, it helps to know roughly what insurance will add to your monthly housing cost. The figures below are typical market ranges for homes similar to this one (single-family, pre-1990 construction, Miami-Dade coastal, Zone AE flood, HVHZ wind zone) based on publicly reported FL Office of Insurance Regulation (OIR) rate filings and observed market pricing for similar properties. These are not quotes. Actual premiums vary materially based on carrier, roof age, wind mitigation, claim history, credit, and coverage limits.
Homeowner's Insurance (HO-3)
Typical annual range
$4,500 – $7,800
For a ~1,500 sqft single-family home, Miami-Dade coastal, based on 2024–2025 OIR rate filings for admitted and E&S carriers writing in HVHZ.
What moves the number: Roof age (largest factor — roofs <5 yrs old can be 30–40% cheaper), wind mitigation credits (impact windows, roof straps, gable bracing), deductible selected (2%–10% hurricane), dwelling coverage limit, carrier selection.
Flood Insurance
Typical annual range
$1,800 – $4,200
For Zone AE coastal single-family under FEMA Risk Rating 2.0 pricing, without Elevation Certificate. Private flood carriers may differ.
What moves the number: Lowest floor elevation vs. Base Flood Elevation (an Elevation Certificate can dramatically reduce premium if first floor is above BFE), enclosure/crawlspace, building age, machinery location. Risk Rating 2.0 phases in year-over-year.
Wind / Hurricane Coverage
Often bundled with HO-3
Included above
In FL's HVHZ counties, wind is usually bundled into the HO-3 with a separate percentage hurricane deductible (typically 2–10% of dwelling coverage).
Wind mitigation credits: A current wind mitigation inspection report (OIR Form 1802) submitted to your carrier can unlock credits for impact-rated openings, roof deck attachment, roof-to-wall connections, and roof shape. Often required for best pricing.
Umbrella / Excess Liability
Optional · Typical annual
$250 – $600
For $1M–$2M excess liability layered over HO-3 and auto. Not required by lenders but commonly recommended for homeowners with significant assets.
Not a lender requirement. Discussed here because it's relevant to a complete homeownership cost picture, not because any lender mandates it.
Educational content only — not insurance advice, not a quote, not a solicitation to sell insurance. The broker preparing this report is licensed as a Florida Real Estate Broker and a Florida Mortgage Broker — not as an insurance agent. Ranges shown above are typical market pricing for comparable properties derived from public FL OIR rate filings and observed market data; your actual premiums will vary and can only be determined by a licensed Florida insurance agent after a formal quote process. We do not recommend specific carriers or receive compensation from any insurance company. Always obtain bound quotes from licensed FL insurance agents before closing — lender-required insurance must be in place at funding. Contact the Florida Department of Financial Services (myfloridacfo.com) to verify an insurance agent's license.
Short-Term Rental Rules (Airbnb/VRBO)
Miami FL · Miami-Dade County · FL DBPR
For investors considering this property as a vacation rental or Airbnb, Miami, FL does allow short-term rentals — but requires a multi-license structure and active compliance. Unlike Miami Beach (which restricts STRs in most residential zones), Miami permits STRs citywide, subject to registration and operating rules described below.
Required licenses (all three)
1
FL DBPR Vacation Rental License — state license from the Department of Business and Professional Regulation as a Transient Public Lodging Establishment. License type depends on whether property is classified as a dwelling or a condo.
DBPR →
2
City of Miami Vacation Rental License — city-level permit plus site inspection for parking, safety, occupancy. Ordinance updated 2021; grace period has expired and the city enforces strictly.
City Lic. →
3
Miami-Dade County Business Tax Receipt (BTR) — annual countywide BTR renewed each year. Required for any vacation rental regardless of platform.
BTR →
4
60-minute responsible-party rule — city requires an owner or designated agent who can physically respond to complaints at the property within 60 minutes. Out-of-area owners typically use a local property manager.
City Ord.
5
Noise monitoring & tax collection — city mandates noise-level monitoring devices. 6% FL sales tax + 1% Miami-Dade discretionary surtax + Miami-Dade tourist development tax on all bookings. Airbnb/VRBO typically remit most taxes but owner must maintain registrations.
Permit History
Public record · City & County lookupBuilding permit records for this parcel are a matter of public record and can be looked up directly at the issuing authorities. Permit history tells you when major systems were updated — roof, HVAC, electrical, plumbing — which matters for property condition and, in Florida, for homeowner's insurance pricing (a recent roof can qualify for significant wind mitigation credits).
City of Miami
Community Development Department
Building permits, code enforcement, and zoning records filed with the city.
Open permit portal →
Miami-Dade County
Property Appraiser
Parcel record, building sketch, improvement history, and assessed value detail.
Search parcel →
Miami-Dade County Clerk
Official Records
Recorded deeds, mortgages, liens, and notices of commencement for construction.
Search official records →
Why this matters for your mortgage. When we write your loan, we'll pull permits, title, and official records as part of underwriting. Issues like open permits, unpermitted additions, or liens can delay closing. Reviewing permits before you make an offer gives you leverage at negotiation and avoids surprises at underwriting. Call (305) 317-8475 (new: (305) 317-2666) if you'd like us to review this with you as part of your pre-approval conversation.
Investment Return Analysis
Educational · Based only on your inputs · Not a credit decision
How this works: Enter your own assumptions in the fields on the right. Every number on the left is a deterministic calculation based solely on the values you enter — nothing is pulled from a credit report, pre-approval system, or lending database. This is an educational math tool, not a credit decision, loan pre-qualification, or offer to lend. Cap Rate, DSCR, and GRM are the three industry-standard screens investors and lenders use to evaluate a property, and the DSCR threshold indicators below describe typical lender guidelines — your actual eligibility for any mortgage product is determined only after a full loan application, credit review, property appraisal, reserves verification, and underwriting by a licensed MLO.
Cap Rate ?
—
NOI ÷ Price
DSCR ?
—
NOI ÷ Debt Service
GRM ?
—
Price ÷ Gross Rent
Cash-on-Cash ?
—
Annual CF ÷ Cash Invested
Monthly Cash Flow Breakdown
+ Gross Monthly Rent—
− Vacancy Loss—
− Property Tax—
− Insurance + Flood—
− Maintenance / OpEx—
− Mortgage P&I—
= Net Monthly Cash Flow—
Property & Financing
Income & Operations (your assumptions)
This is not a credit decision, loan pre-qualification, or offer to lend. Every figure above — Cap Rate, DSCR, GRM, Cash-on-Cash, and the monthly cash flow waterfall — is produced solely from the numbers you enter in the fields on the right. No credit check, income verification, or underwriting has been performed. DSCR threshold indicators describe typical lender guidelines only; actual loan eligibility is determined exclusively by a licensed Mortgage Loan Originator after a full application, credit review, appraisal, reserves verification, and underwriting. Rate, fees, and program availability depend on your individual profile and can change daily.
Future Value Projection
Compound growth · Your growth rate
This chart shows what a starting value would become at a compound annual growth rate you specify. It's arithmetic, not a forecast — change the rate to test different scenarios. Florida statewide home price appreciation has averaged roughly 4–6% annually over the long term, but past performance is not an indicator of future results. Pick a rate you're comfortable assuming.
Purchase price
Your assumption, in %
Years
Starting Value
$725,000
Future Value
$1,180,832
Total Appreciation
+$455,832
How this is calculated: FV = PV × (1 + r)n, where PV is your starting value, r is your annual growth rate, and n is the holding period in years. This is pure compound-interest arithmetic on your inputs. It does not reflect any prediction, forecast, or market model. Florida real estate has historically shown wide variance from year to year — use conservative assumptions.
Rent vs. Buy Crossover
Educational · Based on your inputs · Not a credit decision
If you're currently renting, this tool shows roughly how many years it takes for buying this home to cost less than continuing to rent, assuming your inputs below. This is deterministic arithmetic, not a forecast or recommendation. All figures based solely on what you enter.
Crossover year
—
Buying starts beating renting at this year, based on your assumptions
Month 1 · Rent
$2,800
Month 1 · Own (PITI)
$5,001
Difference
+$2,201
Not a credit decision, pre-approval, or offer to lend. The crossover calculation accounts for rent escalation, mortgage P&I, FL property tax with homestead, typical FL homeowner's insurance (within the ranges shown in the Insurance Reality Check above), and projected home appreciation — all based solely on the values you enter. It does not include: opportunity cost of down payment, maintenance reserves, HOA fees (none for this property), or selling costs. Consult a CPA or licensed financial advisor for a complete rent-vs-buy analysis for your specific tax situation.
Monthly Mortgage Payment (PITI)
Principal · Interest · Taxes · InsuranceEstimated Monthly PITI
$5,110
Primary residence · owner-occupied
Principal & Interest$3,706
Property Tax (annual ÷ 12)$683
Homeowner's Insurance$362
Flood Insurance (Zone AE)$250
PMI (if LTV > 80%)$0
Total$5,001
FL Tax & Closing Cost Estimator
Interactive · Adjust any line · Not a quote
Edit any cost below to reflect your specific scenario. Default values are computed from industry-standard Florida formulas (doc stamps, intangible tax, promulgated title insurance rate) using the Purchase Price and Loan Amount you set. These are estimates for educational use only — your actual closing disclosure will depend on the title company, specific loan program, seller-paid concessions, lender credits, and other transaction-specific factors that only your licensed Mortgage Loan Originator and closing agent can determine.
Transaction Basis
FL Transfer & Mortgage Taxes (Statutory)
Title & Recording
Escrow & Prepaids
Lender Fees
Your Cost Summary
Doc Stamps on Deed (seller typically pays)
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Doc Stamps on Mortgage
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Intangible Tax on Mortgage
—
Title Insurance
—
Recording Fees
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Prepaid Property Tax
—
Prepaid Insurance
—
Origination / Points
—
Other Lender Fees
—
Subtotal: Closing & Prepaid Costs
—
+ Down Payment (price − loan)
—
Estimated Buyer Cash to Close
—
Educational calculator only — not a loan estimate, closing disclosure, quote, or offer to lend. Every dollar amount on this page is either (a) a default computed from your inputs using standard Florida statutory formulas, or (b) a value you entered yourself. None of these figures are quoted costs or commitments from any title company, lender, or insurance carrier. Your actual closing costs will appear on the Loan Estimate (LE) and Closing Disclosure (CD) issued by a licensed Mortgage Loan Originator under TILA/RESPA, and can differ materially from the defaults shown here based on the specific loan program, title company rates, seller concessions, lender credits, rate-lock points, and market conditions at application. For a real cost estimate, call (305) 317-8475 (new: (305) 317-2666) or start an application at AIMortgageApplication.com.
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