1225 Saint Andrews Dr · Rockledge, FL 32955

$255,000

3 bd · 2.0 ba · 1,127 sqft · Townhouse public records · 13 Days on market

Built 1978 9,148 sqft lot $50/mo HOA · 3% of rent

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Why this score? — see what drove the D- 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).

• Cash flow +12.4/30.0
• ARV discount +7.5/15.0
• Schools +4.7/10.0
• Livability +4.0/5.0
• DSCR +3.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fully renovated townhouse located in Rockledge. This property offers two bedrooms, two full bathrooms, and a one-car garage, it has been extensively updated to ensure it is move-in ready. The interior of the home has been completely refreshed with new vinyl flooring, baseboards, interior doors, and a fresh coat of paint throughout. The kitchen features new white cabinetry, stainless steel Frigidaire appliances, and a farmhouse sink. Similarly, the bathrooms have been upgraded with new vanities, shower inserts, fixtures, lighting, and commodes. Additional interior improvements include new windows and new ceiling fan in the living area. The exterior has also been well-maintained, featuring a new roof, gutters, and fresh exterior paint. For outdoor enjoyment, the back porch includes a new screen enclosure with updated indoor/outdoor flooring. Additionally, the air conditioning system was recently serviced to ensure optimal performance.

Key facts

• New white cabinetry
• Farmhouse sink
• New vinyl flooring

Tags

• FULLY RENOVATED TOWNHOUSE
• NEW VINYL FLOORING
• NEW WHITE CABINETRY
• FARMHOUSE SINK
• NEW VANITIES
• NEW WINDOWS

Property features AI

Finance

• Other: Homestead exemption indicated
• Financial info: Total monthly fees $50; total annual fees $600
• HOA & community: Has HOA; $50 monthly covering grounds maintenance and management; Association approval required; Buyer approval required for community; Pets allowed (cats and dogs) with max pet weight around 35 lbs

Exterior

• Parking: Driveway; Attached garage (1-car)
• Utilities: Public water; Public sewer; Cable available; Electricity available and connected; Water available and connected
• Home design: Townhouse (residential); One story; Faces north
• Construction: Frame construction; Shingle roof; Slab foundation; Built area about 1,127 living / 1,473 total
• Exterior features: Sliding doors; On golf course; Asphalt paved road

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Tile flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Open floorplan; Vaulted ceilings; Walk-in closets
• Laundry & utility: Inside laundry with washer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath townhouse listed at $255k.

Deal economics

• At list price, monthly cash flow is $-43 ($-520/yr) — negative.
• To cash-flow at today's rent, offer at most $247k (3.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $189k (25.8% below list).
• Recommended offer: $189k (25.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 81/100 on livability (#81 in FL, #1,315 nationally) — a professional / high-income tenant draw. Strengths: housing A+, health & safety A, commute A-; Watch: amenities F.
• Brevard (suburban): math 53% / reading 57% proficiency, ranked #19 of 73 in FL (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: W. Melbourne Elementary School For Science (math 88% / reading 86%, grade A+, #24 of 2,144 statewide, top 1%, 549 students, 18% FRL); John F. Kennedy Middle School (math 67% / reading 59%, grade B+, #111 of 571 statewide, top 20%, 673 students, 41% FRL); Rockledge Senior High School (math 27% / reading 49%, grade F, #328 of 667 statewide, top 50%, 1,558 students, 50% FRL).
• Market conditions: Rents flat; 321 active listings in the ZIP; 22 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; 4,602 units permitted in Brevard County in 2024 (702 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Brevard County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• Only 13 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 16y ago 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 $50k; list at $255k implies a 410% 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 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $189,284 (25.8% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are B-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?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. 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.
8. 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.
9. 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: 0.74% ✗
• Cap rate: 6.09%
• Cash-on-cash: -0.73%
• DSCR: 0.97
• GRM: 11.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.12% rent growth · sell at horizon

5-year hold

• IRR: -20.4%
• Equity multiple: 0.31×
• Total profit: $-49,519
• Equity at exit: $38,021

10-year hold

• IRR: -20.4%
• Equity multiple: 0.05×
• Total profit: $-67,766
• Equity at exit: $22,048

Cash invested: $71,400 (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 32955

• Home prices YoY: -20.7%
• Rents YoY: 0.1%
• Active inventory: 321
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $1,893 high
• Mortgage (P&I): −$1,337
• Tax from tax record: −$45 /mo · $542/yr
• Insurance: −$106
• HOA: −$50
• Vacancy / Maint / Mgmt: −$397
• Net cashflow: $-43

Break-even live

Break-even rent $1,948

Max offer price $247,352

Occupancy floor 97%

Sensitivity live

Price	-10% $101	-5% $29	+0% $-43	+5% $-115	+10% $-493
Rent	-10% $-193	-5% $-118	+0% $-43	+5% $31	+10% $106
Rate	-1.0pp $85	-0.5pp $22	base $-43	+0.5pp $-109	+1.0pp $-177

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: $63,750
• Closing costs: $7,650
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1525 S Fiske Blvd Rockledge, FL	1.0–2.0	1.0	890	$1,500	$1.69	25d	1	0.18mi
1675 S Fiske Blvd #155 Rockledge, FL	2.0	2.0	1170	$1,750	$1.50	15d	1	0.30mi
1600 Woodland Dr Unit 1 Rockledge, FL	3.0	2.0	1426	$1,995	$1.40	15d	1	0.55mi
944 Kentucky Ave Rockledge, FL	3.0	2.0	1236	$1,945	$1.57	20d	1	0.56mi
1105 Santa Rosa Dr Rockledge, FL	3.0	2.0	1096	$2,000	$1.82	25d	1	0.71mi
1515 Huntington Ln Rockledge, FL	2.0	1.0–2.0	470	$1,762	$3.75	25d	3	0.73mi
1515 Huntington Ln Rockledge, FL	2.0	1.0–2.0	470	$1,725	$3.67	15d	4	0.73mi
616 S Kentucky Ave Cocoa, FL	3.0	1.0	960	$1,600	$1.67	20d	1	0.94mi
516 Donley St Cocoa, FL	2.0	2.0	1485	$1,800	$1.21	20d	1	0.98mi
823 Angela Ave Unit A Rockledge, FL	2.0	2.0	1117	$1,750	$1.57	15d	1	1.05mi
412 Clarence Rowe Ave Rockledge, FL	3.0	1.0	960	$1,600	$1.67	25d	1	1.13mi
613 Paw Paw St Apt A Cocoa, FL	2.0	1.0	1104	$1,175	$1.06	25d	1	1.13mi
801 Washington St Unit A Cocoa, FL	3.0	1.5	1000	$1,760	$1.76	25d	1	1.13mi
801 Washington St Unit B Cocoa, FL	2.0	1.0	700	$1,290	$1.84	25d	1	1.13mi
256 Barton Blvd Rockledge, FL	3.0	1.0–2.0	1012	$2,115	$2.09	15d	23	1.18mi
1001 Cascade Cir Rockledge, FL	2.0–3.0	2.0	1274	$2,065	$1.62	15d	6	1.21mi
1913 Woodhaven Cir Rockledge, FL	2.0	2.0	930	$1,597	$1.72	15d	3	1.22mi
1720 Murrell Rd #217 Rockledge, FL	2.0	2.0	928	$1,550	$1.67	25d	1	1.29mi
295 Royal Tern CIR Rockledge, FL	1.0–3.0	1.0–2.0	1020	$2,467	$2.42	15d	33	1.31mi
1515 Peachtree St Cocoa, FL	3.0	2.0	1056	$1,475	$1.40	25d	1	1.40mi
1880 Murrell Rd Unit Q63 Rockledge, FL	2.0	1.5	1200	$1,700	$1.42	25d	1	1.43mi
27 Seminole Dr Rockledge, FL	3.0	1.0	714	$1,750	$2.45	25d	1	1.46mi

HOA detail

• Monthly dues: $50 · $600/yr

Listing history 13 events

1. 2026-06-01
   statusdays on market $255,000 Pending 13 DOM
2. 2026-05-31
   days on market $255,000 Active 12 DOM
3. 2026-05-31
   days on market $255,000 Active 11 DOM
4. 2026-05-19
   listed $255,000 Active
5. 2026-05-12
   listed $255,000 Active 946-char remark

   Show marketing remark (946 chars)

   Fully renovated townhouse located in Rockledge. This property offers two bedrooms, two full bathrooms, and a one-car garage, it has been extensively updated to ensure it is move-in ready. The interior of the home has been completely refreshed with new vinyl flooring, baseboards, interior doors, and a fresh coat of paint throughout. The kitchen features new white cabinetry, stainless steel Frigidaire appliances, and a farmhouse sink. Similarly, the bathrooms have been upgraded with new vanities, shower inserts, fixtures, lighting, and commodes. Additional interior improvements include new windows and new ceiling fan in the living area. The exterior has also been well-maintained, featuring a new roof, gutters, and fresh exterior paint. For outdoor enjoyment, the back porch includes a new screen enclosure with updated indoor/outdoor flooring. Additionally, the air conditioning system was recently serviced to ensure optimal performance.

6. 2012-03-01
   soldstatus $50,000
7. 2012-02-10
   soldstatus $50,000 292-char remark

   Show marketing remark (292 chars)

   Come see this well maintained home overlooking the Rockledge Country Club. Sit amongst the trees in your backyard or in the screened in porch while the golfers take their shots! Buyer bought another property. This price was approved as of 1/8/12 so we should be able to get it closed quickly.

8. 2010-07-10
   listed $50,000 292-char remark

   Show marketing remark (292 chars)

   Come see this well maintained home overlooking the Rockledge Country Club. Sit amongst the trees in your backyard or in the screened in porch while the golfers take their shots! Buyer bought another property. This price was approved as of 1/8/12 so we should be able to get it closed quickly.

9. 2007-03-09
   soldstatus $137,000
10. 2006-07-06
    soldstatus $261,000
11. 2000-12-18
    soldstatus $80,000
12. 1999-09-03
    soldstatus $60,000
13. 1978-02-28
    soldstatus $36,500

ⓘ 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: $542 · $45/mo
• Projected year-2 tax: $2,116 · $176/mo
• Expected delta: +$1,575/yr (+$131/mo · 290.7%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 22 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,714
• − Mortgage interest: −$14,284
• − Property taxes: −$542
• − Insurance: −$1,275
• − Repairs & maintenance: −$1,817
• − Management: −$1,817
• − HOA: −$600
• − Depreciation: −$7,418
• Taxable loss: −$5,039
• Est. tax savings @ 24.0%: +$1,209
• After-tax cash flow: $690/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: Brevard
• NCES district ID: 1200150
• Math proficiency: 53% ▼ -9.00%
• Reading proficiency: 57% ▼ -4.00%
• Median HH income: $49,426
• Composite: 46.86/100
• National rank: #2370
• State rank: #19 of 73 in FL

Livability — Rockledge

• Score: 81/100
• State rank: #81
• US rank: #1315

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Rockledge, FL
• County: Brevard County · 602,871 people
• City population: 41,008
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 41,008
• Household income: $86,457
• Rent vs Own: 22.9% rent · 77.1% own
• Severe rent burden: 1273.0

Population outlook (Brevard County) Hauer SSP2

• Today (2025): 623,254 people
• By 2030: 648,420 · +4.0%
• By 2040: 690,009 · +10.7%
• By 2050: 715,669 · +14.8%
• By 2075: 775,744 · +24.5%
• By 2100: 776,687 · +24.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Black 14% Hispanic / Latino 9% Two or more races 8% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 3%
• Common ancestry: Slovak 3% Romanian 2% Serbian 2%
• Foreign-born: 7% · Canada, Jamaica, Mexico
• Languages at home: 91% English-only · Spanish 5% Other Indo-European 2%

Political lean MEDSL · Brevard

• 2024 margin: Strong R (+20.8) · D 39.1% · R 59.9% · Other 1.0%
• 2008→2024 swing: -10.4pp toward R · 2008: -10.4pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+16.4 2016: R+19.8 2012: R+12.7 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -81.70%
• Current HPI: 312.7435
• Rent YoY: ▲ 0.12%
• Metro: Palm Bay-Melbourne-Titusville, 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

+598.6% since first listed

10 events — show timeline

• 2026-05-19 Listed $255,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-12 Listed $255,000 SCMLS
• 2012-03-01 Sold (Public Records) $50,000 Public Records
• 2012-02-10 Sold (MLS) $50,000 SCMLS
• 2010-07-10 Listed $50,000 SCMLS
• 2007-03-09 Sold (Public Records) $137,000 Public Records
• 2006-07-06 Sold (Public Records) $261,000 Public Records
• 2000-12-18 Sold (Public Records) $80,000 Public Records
• 1999-09-03 Sold (Public Records) $60,000 Public Records
• 1978-02-28 Sold (Public Records) $36,500 Public Records

Property tax history

-0.1%/yr

Latest (2025): $542 · +2.2% YoY. Source: county tax records.