2097 Rutland St, Opa-Locka FL 33054, OPA-LOCKA, FL, 33054
Active29 days on marketListed Jul 9, 2026MLS #A12051301
About this home
2097 Rutland St, Opa-Locka FL 33054
Welcome to this charming 4-bedroom, 2-bathroom single-family home offering approximately 1,317 square feet of comfortable living space. This well-maintained residence features an open and functional layout with tile flooring throughout, a spacious living and dining area, and generously sized bedrooms with ample closet space. The kitchen is equipped with modern appliances, making it ideal for everyday living and entertaining. Step outside to a fully fenced backyard with plenty of room to create your dream outdoor oasis, add a pool, or enjoy family gatherings. Conveniently located near major highways, shopping, schools, parks, and public transportation, this home offers both comfort and accessibility. Whether you're a first-time homebuyer, looking to upsize, or searching for a great investment opportunity, this property is a fantastic choice. Don't miss the chance to make this move-in-ready home yours—schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,317
Sqft
1949
Year built
$364
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,862 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,862/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−5.5%
$/sqft vs Opa-locka actives
$364 vs $401
Days on market
29 vs 32 typical
Where $364/sqft sits among the 29 Opa-locka actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Opa-locka
Get to know Opa-locka. See the full Opa-locka guide →
OPA-LOCKA 33054 — neighborhood snapshot
Population
31,165
Median age
34.9
Median income
$42,779
Median home value
$291,700
Avg household
3.12
Households w/ children
3,687
For the school run
Dade County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Opa-locka market
$425K → $390K
Opa-locka median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
3 of 29
Opa-locka actives have cut their price
This home is listed 20% above the OPA-LOCKA 33054 median. See the full Opa-locka market guide →
Paper trail
This home's history
Reality check
What actually sold near 2097 Rutland St
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$235,000
Nearby listing · same community
3 bd · 2 ba · 1,367 sqft · $172/sqft · 0 DOM
Sold · Oct ’25$370,000
1900 Service Rd, Opa-Locka FL 33054 · same community
4 bd · 1 ba · 1,177 sqft · $314/sqft · 15 DOM
Sold · May ’26$395,000
1951 Rutland St, Opa-Locka FL 33054 · same community
3 bd · 2 ba · 1,049 sqft · $377/sqft · 134 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2097 Rutland St — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2097 Rutland St — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2097 Rutland St FAQs
What would the monthly payment be for 2097 Rutland St, Opa-Locka FL 33054?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,862/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 2097 Rutland St, Opa-Locka FL 33054?+
The most recent tax bill on record (2025) was $7,965. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Opa-locka?+
At $479,999, this home is priced right at the Opa-locka median.
Which schools are assigned to 2097 Rutland St, Opa-Locka FL 33054?+
Dr. Robert B. Ingram Elementary School (elementary), North Dade Middle School (middle), Miami Central Senior High School (high), District Instructional Center (Dic) (), Instructional Center System Wide (), Title I Migrant Education Program () — Dade County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$479,999 runs 20% above the OPA-LOCKA 33054 median.
02Other views
The other view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $480,000, now $479,999 — a $1 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of Ocean Palms Realty Associates, LLC. · Rene Cruz Hernandez. MLS #A12051301.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Miami Association of REALTORS®.
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