1940 19th Ct · Jupiter, FL 33477

$410,000

2 bd · 2.5 ba · 1,188 sqft · Townhouse public records · 42 Days on market

Built 1984 1,346 sqft lot Est $485k · 15% under $472/mo HOA · 12% of rent

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +14.4/15.0
• Cash flow +14.1/30.0
• Appreciation +6.5/10.0
• Rent growth +5.0/5.0
• 1% rule +4.4/10.0
• DSCR +4.3/10.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0

Listing remarks

DESIRABLE BLUFFS LAKES TOWNHOME LOCATED ON THE PRESERVE. SUNNY & BRIGHT, NEW AC, HUGE PATIO, AN EASY WALK OR BIKE RIDE TO THE BEAUTIFUL JUPITER BEACHES. DESIRABLE COMMUNITY WITH RESORT-STYLE POOL, TENNIS, PICKLEBALL & MORE. MINUTES TO RESTAURANTS, SHOPPING, JUNO PIER AND HARBORSIDE.

Key facts

• Tennis
• Huge patio
• Pickleball

Tags

• BLUFFS LAKES TOWNHOME
• NEW AC
• HUGE PATIO
• RESORT-STYLE POOL
• TENNIS
• PICKLEBALL

Property features AI

Finance

• Financial info: Pets allowed with possible restrictions and limits
• HOA & community: Monthly HOA fee; HOA includes cable TV, insurance, internet, ground maintenance, common area upkeep, common real estate tax, reserve funds, roof repairs and recreation facilities

Exterior

• Parking: Two parking spaces; No carport
• Utilities: Public water; Public sewer; Cable connected; Electricity connected; Water connected; Sewer connected
• Home design: Townhouse; Resale property; Faces northeast; One story
• Construction: CBS construction; Composition, rolled/hot mop and shingle roofing
• Exterior features: Not waterfront; Community amenities include car wash area, playground, parking, tennis courts, community room, heated pool, pickleball courts, and sidewalks

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator
• Bedrooms: No main-level bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms and 1 half bathroom; One bathroom on the main level
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Tankless water heater; Carpet and tile flooring
• Laundry & utility: Laundry room on the main level

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath townhouse listed at $410k.

Deal economics

• At list price, monthly cash flow is $59 ($705/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $384k (6.3% below list).
• Recommended offer: $384k (6.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#415 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, cost of living F.
• Palm Beach (suburban): math 46% / reading 53% proficiency, ranked #34 of 73 in FL (top 47%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Beacon Cove Intermediate School (math 84% / reading 86%, grade A+, #35 of 2,144 statewide, top 2%, 641 students, 19% FRL); Independence Middle School (math 71% / reading 67%, grade A, #68 of 571 statewide, top 12%, 1,166 students, 25% FRL); William T. Dwyer High School (math 36% / reading 58%, grade D-, #207 of 667 statewide, top 32%, 2,206 students, 37% FRL) — zoned schools average 27% FRL vs 52% district-wide (25 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 67% at this address vs 50% district-wide (+18 pts) — the actual schools serving this property are materially stronger than the Palm Beach average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+10.3%/yr); 337 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,974 units permitted in Palm Beach County in 2024 (1,012 in 5+ unit buildings).

Forward outlook

• In year one you build about $15k of equity ($3k loan paydown + $12k appreciation (2.9% local appreciation)).
• Palm Beach County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (2.9% appreciation + 8.0% rent growth), your $115k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 42 days — a 3% lower offer ($398k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $170k; list at $410k implies a 141% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $383,981 (6.3% below list)

Questions for the listing agent

1. It's been on market 42 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.94% ✗
• Cap rate: 6.46%
• Cash-on-cash: 0.61%
• DSCR: 1.03
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $484,704
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1802 18th Ct	0.11mi	2/2.5	1,188 (0%)	4mo	$365,000	$307	91
1142 11th Ct	0.33mi	2/2.5	1,188 (0%)	16mo	$485,000	$408	71

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

2.93% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 10.7%
• Equity multiple: 1.63×
• Total profit: $72,015
• Equity at exit: $182,702

10-year hold

• IRR: 15.6%
• Equity multiple: 3.54×
• Total profit: $291,111
• Equity at exit: $280,287

Cash invested: $114,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33477

• Home prices YoY: 0.8%
• Rents YoY: 10.3%
• Active inventory: 337
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $3,840 high
• Mortgage (P&I): −$2,150
• Tax from tax record: −$182 /mo · $2,182/yr
• Insurance: −$171
• HOA: −$472
• Vacancy / Maint / Mgmt: −$806
• Net cashflow: $59

Break-even live

Break-even rent $3,765

Max offer price $410,000

Occupancy floor 93%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $102,500
• Closing costs: $12,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2117 21st Ct Jupiter, FL	2.0	2.5	1188	$4,200	$3.54	24d	1	0.08mi
1909 19th Ct Unit 33a Jupiter, FL	2.0	2.5	1188	$3,000	$2.53	24d	1	0.11mi
2316 23rd Ct Jupiter, FL	2.0	2.5	1188	$3,500	$2.95	18d	1	0.13mi
901 Seafarer Cir #302 Jupiter, FL	2.0	2.0	1385	$4,500	$3.25	18d	1	0.18mi
901 Seafarer Cir Jupiter, FL	2.0	2.0	1385	$4,250	$3.07	24d	2	0.18mi
1201 Seafarer Cir #201 Jupiter, FL	2.0	2.0	1385	$2,800	$2.02	19d	1	0.20mi
1106 Ocean Dunes Cir Jupiter, FL	2.0	2.5	1431	$3,900	$2.73	24d	1	0.22mi
1510 15th Ct Jupiter, FL	2.0	2.5	1188	$6,500	$5.47	24d	1	0.22mi
1424 14th Ct Jupiter, FL	2.0	2.5	1188	$2,500	$2.10	24d	1	0.23mi
701 Seafarer Cir #504 Jupiter, FL	2.0	2.0	1385	$3,500	$2.53	24d	1	0.24mi
1120 Ocean Dunes Cir Jupiter, FL	2.0	2.5	1431	$5,500	$3.84	8d	1	0.26mi
1120 Ocean Dunes Cir Jupiter, FL	2.0	2.5	1431	$5,500	$3.84	19d	1	0.26mi
1121 Ocean Dunes Cir Jupiter, FL	2.0	2.5	1431	$8,000	$5.59	24d	1	0.26mi
601 Seafarer Cir #304 Jupiter, FL	2.0	2.0	1385	$2,750	$1.99	24d	1	0.28mi
601 Seafarer Cir #104 Jupiter, FL	2.0	2.0	1385	$2,700	$1.95	4d	1	0.28mi
1231 12th Ct Jupiter, FL	2.0	2.5	1188	$2,700	$2.27	5d	1	0.28mi
2301 Marina Isle Way #503 Jupiter, FL	2.0	2.0	1385	$2,500	$1.81	22d	1	0.29mi
1001 Seafarer Cir #204 Jupiter, FL	2.0	2.0	1385	$2,200	$1.59	19d	1	0.29mi
809 Ocean Dunes Cir Jupiter, FL	2.0	2.5	1431	$3,300	$2.31	24d	1	0.29mi
2201 Marina Isle Way #403 Jupiter, FL	2.0	2.0	1385	$2,600	$1.88	24d	1	0.33mi
2201 Marina Isle Way #403 Jupiter, FL	2.0	2.0	1385	$2,300	$1.66	19d	1	0.33mi
1221 Ocean Dunes Cir Jupiter, FL	3.0	2.5	1431	$4,000	$2.80	22d	1	0.33mi
621 Ocean Dunes Cir Jupiter, FL	3.0	2.0	1254	$7,500	$5.98	20d	1	0.33mi
1401 Tidal Pointe Blvd Jupiter, FL	2.0	2.0	1385	$4,400	$3.18	18d	3	0.35mi
1007 10th Ct Jupiter, FL	2.0	2.5	1188	$2,800	$2.36	19d	1	0.36mi
1209 12th Ct Jupiter, FL	2.0	2.5	1188	$7,000	$5.89	24d	1	0.36mi
716 Ocean Dunes Cir Jupiter, FL	2.0	2.0	1279	$3,350	$2.62	24d	1	0.37mi
2601 Marina Isle Way #402 Jupiter, FL	2.0	2.0	1385	$6,000	$4.33	18d	1	0.37mi
1138 11th Ct Jupiter, FL	2.0	2.5	1188	$3,500	$2.95	24d	1	0.38mi
1501 Marina Isle Way #305 Jupiter, FL	2.0	2.0	1385	$2,700	$1.95	19d	1	0.39mi
2565 Old Donald Ross Rd Palm Beach Gardens, FL	2.0	1.0	1100	$2,800	$2.55	24d	1	0.63mi
2619 Old Donald Ross Rd Palm Beach Gardens, FL	2.0	1.0	1000	$3,600	$3.60	24d	1	0.66mi
401 S Seas Dr #203 Jupiter, FL	2.0	2.0	1332	$6,400	$4.80	24d	1	0.66mi
104 Sea Oats Dr Unit G Juno Beach, FL	2.0	2.0	1451	$6,000	$4.14	22d	1	0.67mi
204 Sea Oats Dr Unit F Juno Beach, FL	2.0	2.0	1451	$6,500	$4.48	24d	1	0.67mi
101 Sea Oats Dr Unit F Juno Beach, FL	2.0	2.0	1454	$2,650	$1.82	24d	1	0.70mi
201 S Seas Dr Jupiter, FL	2.0	2.0	1385	$4,750	$3.43	21d	2	0.70mi
201 S Seas Dr #404 Jupiter, FL	2.0	2.0	1385	$6,000	$4.33	24d	1	0.71mi
1701 Mizzenmast Way Jupiter, FL	2.0	2.0	1263	$8,500	$6.73	24d	1	0.74mi
301 S Seas Dr Jupiter, FL	2.0	2.0	1332	$6,350	$4.77	8d	1	0.77mi

HOA detail

• Monthly dues: $472 · $5,664/yr
• Likely covers: pool

Listing history 9 events

1. 2026-05-09
   status Pending
2. 2026-04-30
   historical Active Under Contract
3. 2026-04-20
   price $410,000
4. 2026-04-06
   status Active
5. 2026-03-31
   historical Active Under Contract
6. 2026-03-27
   listed $415,000 Active
7. 2003-11-06
   soldstatus $170,000
8. 1993-11-04
   soldstatus $85,000
9. 1988-10-26
   soldstatus $85,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $2,182 · $182/mo
• Projected year-2 tax: $3,403 · $284/mo
• Expected delta: +$1,221/yr (+$102/mo · 56.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 9/10 Extreme 6 d/yr ≥106°F today · 19 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $46,078
• − Mortgage interest: −$22,966
• − Property taxes: −$2,182
• − Insurance: −$2,050
• − Repairs & maintenance: −$3,686
• − Management: −$3,686
• − HOA: −$5,664
• − Depreciation: −$11,927
• Taxable loss: −$6,084
• Est. tax savings @ 24.0%: +$1,460
• After-tax cash flow: $2,165/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Palm Beach
• NCES district ID: 1201500
• Math proficiency: 46% ▼ -16.00%
• Reading proficiency: 53% ▼ -4.00%
• Median HH income: $53,943
• Composite: 42.72/100
• National rank: #3160
• State rank: #34 of 73 in FL

Livability — Jupiter

• Score: 70/100
• State rank: #415
• US rank: #7386

Category grades

Amenities F Commute F Cost of living F Crime A+ Employment A+ Housing A+ Health & safety D- User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jupiter, FL
• County: Palm Beach County · 1,438,312 people
• City population: 68,420
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 12,908
• Household income: $104,992
• Rent vs Own: 13.7% rent · 86.3% own
• Severe rent burden: 445.0

Population outlook (Palm Beach County) Hauer SSP2

• Today (2025): 1,637,487 people
• By 2030: 1,743,255 · +6.5%
• By 2040: 1,948,712 · +19.0%
• By 2050: 2,132,979 · +30.3%
• By 2075: 2,530,027 · +54.5%
• By 2100: 2,706,979 · +65.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Hispanic / Latino 5% Two or more races 4%
• Common ancestry: Romanian 6% Scotch-Irish 4% Lithuanian 2%
• Foreign-born: 10% · Canada, Guatemala, Jamaica
• Languages at home: 90% English-only · Spanish 5% Other Indo-European 2% German/W. Germanic 1%

Political lean MEDSL · Palm Beach

• 2024 margin: Toss-up / Even · D 50.0% · R 49.2%
• 2008→2024 swing: -22.1pp toward R · 2008: 22.9pp · 2024: 0.8pp
• All cycles: 2024: D+0.8 2020: D+12.8 2016: D+15.3 2012: D+17.0 2008: D+22.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.93%
• Current HPI: 356.212
• Rent YoY: ▲ 10.27%
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+382.4% since first listed

9 events — show timeline

• 2026-05-09 Pending — Beaches MLS
• 2026-04-30 Contingent — Beaches MLS
• 2026-04-20 Price Changed $410,000 Beaches MLS
• 2026-04-06 Relisted — Beaches MLS
• 2026-03-31 Contingent — Beaches MLS
• 2026-03-27 Listed $415,000 Beaches MLS
• 2003-11-06 Sold (Public Records) $170,000 Public Records
• 1993-11-04 Sold (Public Records) $85,000 Public Records
• 1988-10-26 Sold (Public Records) $85,000 Public Records

Property tax history

+1.0%/yr

Latest (2025): $2,182 · +3.7% YoY. Source: county tax records.