125 Ramblewood Cir · Royal Palm Beach, FL 33411

$304,000

3 bd · 2.0 ba · 1,676 sqft · Townhouse public records · 189 Days on market

Built 1982 $680/mo HOA · 25% of rent ↓ 9% since listing

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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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +6.8/30.0
• Schools +4.3/10.0
• 1% rule +4.1/10.0
• Livability +4.0/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• DSCR +1.0/10.0

Listing remarks MLS

This corner 3 bedroom, 2 bath villa located in the charming Village Walk community is waiting for you! Enjoy a picturesque backyard, soak up natural light in the inviting living room and sunroom, The property also offers a 1 car garage and easy access to nearby walking trails. Perfectly situated in a 55+ community, this villa is the ideal place for you to call home. Village Walk is conveniently located to shopping, hospitals, restaurants and main roadways.

Key facts

• Close to parks
• Open floor plan
• Community pool

Tags

• OPEN FLOOR PLAN
• COMMUNITY POOL
• CLOSE TO PARKS
• CLOSE TO SHOPPING

Property features AI

Finance

• Financial info: Monthly association fee: $680
• HOA & community: Homeowners association with monthly fee; Monthly HOA includes cable TV, grounds maintenance, and common area maintenance; Community spa / hot tub; Senior community; Pets allowed (breed restrictions, number limits, possible restrictions)

Exterior

• Parking: Attached 1-car garage (covered)
• Security: Smoke detectors
• Utilities: Public water; Three-phase electric; Cable available; Water service available
• Home design: Villa; One story; Faces east; Resale condition
• Construction: Stucco/CBS construction; Composition/shingle roof; Built with concrete components
• Exterior features: Screened porch; Open porch; Not waterfront

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator; Electric water heater
• Bedrooms: Three bedrooms on the main level
• Flooring: Concrete; Laminate
• Bathrooms: Two full bathrooms (main level)
• Heating & cooling: Central heating; Central air; Ceiling paddle fans
• Interior features: Cathedral and vaulted ceilings; Walk-in closets; Split bedroom layout; Skylights; Window blinds
• Laundry & utility: Indoor laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath townhouse listed at $304k.

Deal economics

• At list price, monthly cash flow is $-476 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $220k (27.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $277k (8.8% below list).
• Recommended offer: $220k (27.7% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 79/100 on livability (#135 in FL, #2,039 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, health & safety A+; Watch: cost of living C-, amenities F, commute 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.
• Market conditions: Rents flat; 574 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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).
• This rent runs 36% of the median local income ($93k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $33k of equity ($2k loan paydown + $30k appreciation (10.0% local appreciation)).
• Palm Beach County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$52k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 189 days — a 12% lower offer ($268k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 3y 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.

Risks & watch-outs

• Watch-outs: HOA is 25% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $219,852 (27.7% 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. It's been on market 189 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.91% ✗
• Cap rate: 4.41%
• Cash-on-cash: -6.72%
• DSCR: 0.70
• GRM: 9.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 0.85% rent growth · sell at horizon

5-year hold

• IRR: 18.8%
• Equity multiple: 2.52×
• Total profit: $129,746
• Equity at exit: $273,867

10-year hold

• IRR: 16.9%
• Equity multiple: 5.65×
• Total profit: $395,814
• Equity at exit: $590,605

Cash invested: $85,120 (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 33411

• Home prices YoY: 1.9%
• Rents YoY: 0.8%
• Active inventory: 574
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $2,772 high
• Mortgage (P&I): −$1,594
• Tax from tax record: −$266 /mo · $3,188/yr
• Insurance: −$127
• HOA: −$680
• Vacancy / Maint / Mgmt: −$582
• Net cashflow: $-476

Break-even live

Break-even rent $3,375

Max offer price $219,852

Occupancy floor —

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: $76,000
• Closing costs: $9,120
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7 Greenway Vlg N Royal Palm Beach, FL	1.0–2.0	1.5–2.0	930	$1,700	$1.83	17d	2	0.12mi
4 Greenway Vlg N #203 Royal Palm Beach, FL	2.0	2.0	1080	$2,000	$1.85	24d	1	0.12mi
2 Greenway Vlg N #210 Royal Palm Beach, FL	2.0	2.0	1080	$2,000	$1.85	24d	1	0.14mi
100 Sparrow Dr #2 Royal Palm Beach, FL	3.0	2.0	1824	$2,725	$1.49	18d	1	0.18mi
73 Macadamia Ct Royal Palm Beach, FL	2.0	2.0	1112	$2,000	$1.80	11d	1	0.20mi
100 Sparrow Dr #14 Royal Palm Beach, FL	3.0	2.0	1737	$2,725	$1.57	24d	1	0.25mi
12007 Poinciana Blvd #205 Royal Palm Beach, FL	2.0	2.0	1088	$1,590	$1.46	15d	1	0.29mi
139 Sparrow Dr Royal Palm Beach, FL	2.0–3.0	1.5–2.5	1100	$2,390	$2.17	15d	3	0.43mi
113 Sandpiper Ave Royal Palm Beach, FL	3.0	2.0	1798	$3,500	$1.95	12d	1	0.45mi
908 Hibiscus Dr Royal Palm Beach, FL	3.0	2.0	1973	$3,600	$1.82	3d	1	0.50mi
110 Weybridge Cir Unit A Royal Palm Beach, FL	2.0	2.5	1470	$2,350	$1.60	22d	1	0.51mi
132 Weybridge Cir Royal Palm Beach, FL	2.0	2.5	1470	$3,000	$2.04	24d	1	0.52mi
876 Gardenia Dr Royal Palm Beach, FL	2.0	2.0	1502	$3,500	$2.33	24d	1	0.54mi
111 Weybridge Cir Royal Palm Beach, FL	3.0	2.5	1710	$3,100	$1.81	5d	1	0.54mi
263 Deerfield Ct Royal Palm Beach, FL	2.0	2.0	1120	$1,800	$1.61	24d	1	0.60mi
1104 Oakwater Dr Royal Palm Beach, FL	4.0	2.5	2003	$3,896	$1.95	24d	1	0.61mi
1104 Oakwater Dr Royal Palm Beach, FL	4.0	2.5	2003	$3,896	$1.95	22d	1	0.61mi
830 Royal Palm Beach Blvd Royal Palm Beach, FL	3.0	2.0	1369	$2,766	$2.02	7d	1	0.66mi
202 Lakeside Landing Dr Royal Palm Beach, FL	3.0	2.5	1532	$3,200	$2.09	4d	1	0.68mi
1222 Oakwater Dr Royal Palm Beach, FL	3.0	3.0	2109	$3,395	$1.61	14d	1	0.68mi
1222 Oakwater Dr Royal Palm Beach, FL	3.0	3.0	2109	$3,395	$1.61	24d	1	0.68mi
849 Camellia Dr Royal Palm Beach, FL	3.0	2.0	1599	$3,400	$2.13	24d	1	0.73mi
133 Black Olive Cres Royal Palm Beach, FL	3.0	2.0	1752	$4,500	$2.57	24d	1	0.76mi
106 Fernwood Cres Royal Palm Beach, FL	4.0	2.0	2088	$3,500	$1.68	15d	1	0.76mi
182 Sparrow Dr Unit A Royal Palm Beach, FL	3.0	2.0	1485	$3,000	$2.02	24d	1	0.76mi
180 Seminole Lakes Dr Royal Palm Beach, FL	3.0	2.0	1856	$3,500	$1.89	24d	1	0.76mi
104 Oxford Ct Royal Palm Beach, FL	4.0	3.0	2133	$4,500	$2.11	24d	1	0.79mi
1601 Lakeview Dr W Unit 1601 Royal Palm Beach, FL	3.0	2.5	1296	$2,375	$1.83	22d	1	0.80mi
213 River Bluff Ln Royal Palm Beach, FL	3.0	2.5	1579	$2,800	$1.77	24d	1	0.80mi
296 Sandpiper Ave Royal Palm Beach, FL	3.0	2.0	1569	$3,100	$1.98	24d	1	0.81mi
11823 Dahlia Dr Royal Palm Beach, FL	3.0	2.0	1385	$2,406	$1.74	7d	1	0.82mi
112 Princess Ct Royal Palm Beach, FL	3.0	2.0	1884	$3,900	$2.07	24d	1	0.85mi
1407 Lakeview Dr E Royal Palm Beach, FL	2.0	2.0	1165	$2,300	$1.97	7d	1	0.85mi
274 River Bluff Ln Royal Palm Beach, FL	3.0	2.5	1579	$3,000	$1.90	24d	1	0.89mi
220 Crestwood Cir #106 Royal Palm Beach, FL	3.0	2.0	1520	$2,650	$1.74	24d	1	0.93mi
112 Wakulla Springs Way #112 Royal Palm Beach, FL	2.0	2.5	1623	$4,000	$2.46	24d	1	0.93mi
460 Rainbow Springs Ter Royal Palm Beach, FL	3.0	2.5	1579	$2,950	$1.87	24d	1	0.93mi
180 Heatherwood Dr Royal Palm Beach, FL	3.0	2.0	1462	$2,710	$1.85	5d	1	1.03mi
10863 Dalmany Way Royal Palm Beach, FL	3.0	2.0	1232	$3,500	$2.84	24d	1	1.04mi
118 Bobwhite Rd Royal Palm Beach, FL	3.0	2.0	1444	$3,200	$2.22	17d	1	1.04mi

HOA detail

• Monthly dues: $680 · $8,160/yr

Listing history 30 events

1. 2026-06-18
   days on market $304,000 Active 189 DOM
2. 2026-06-17
   days on market $304,000 Active 188 DOM
3. 2026-06-16
   days on market $304,000 Active 187 DOM
4. 2026-06-15
   days on market $304,000 Active 186 DOM
5. 2026-06-13
   days on market $304,000 Active 184 DOM
6. 2026-06-09
   days on market $304,000 Active 180 DOM
7. 2026-06-07
   days on market $304,000 Active 178 DOM
8. 2026-06-04
   days on market $304,000 Active 175 DOM
9. 2026-06-03
   days on market $304,000 Active 174 DOM
10. 2026-06-01
    days on market $304,000 Active 172 DOM
11. 2026-05-31
    days on market $304,000 Active 171 DOM
12. 2026-04-22
    price $304,000
13. 2026-03-27
    price $305,000
14. 2026-02-02
    price $307,000
15. 2025-12-11
    listed $311,000 Active
16. 2024-10-15
    soldstatus $285,000
17. 2024-10-04
    soldstatus $285,000 Closed 460-char remark

    Show marketing remark (460 chars)

    This corner 3 bedroom, 2 bath villa located in the charming Village Walk community is waiting for you! Enjoy a picturesque backyard, soak up natural light in the inviting living room and sunroom, The property also offers a 1 car garage and easy access to nearby walking trails. Perfectly situated in a 55+ community, this villa is the ideal place for you to call home. Village Walk is conveniently located to shopping, hospitals, restaurants and main roadways.

18. 2024-09-03
    historical Active Under Contract 460-char remark

    Show marketing remark (460 chars)

    This corner 3 bedroom, 2 bath villa located in the charming Village Walk community is waiting for you! Enjoy a picturesque backyard, soak up natural light in the inviting living room and sunroom, The property also offers a 1 car garage and easy access to nearby walking trails. Perfectly situated in a 55+ community, this villa is the ideal place for you to call home. Village Walk is conveniently located to shopping, hospitals, restaurants and main roadways.

19. 2024-07-19
    price $289,900 460-char remark

    Show marketing remark (460 chars)

    This corner 3 bedroom, 2 bath villa located in the charming Village Walk community is waiting for you! Enjoy a picturesque backyard, soak up natural light in the inviting living room and sunroom, The property also offers a 1 car garage and easy access to nearby walking trails. Perfectly situated in a 55+ community, this villa is the ideal place for you to call home. Village Walk is conveniently located to shopping, hospitals, restaurants and main roadways.

20. 2024-06-25
    price $299,900 460-char remark

    Show marketing remark (460 chars)

    This corner 3 bedroom, 2 bath villa located in the charming Village Walk community is waiting for you! Enjoy a picturesque backyard, soak up natural light in the inviting living room and sunroom, The property also offers a 1 car garage and easy access to nearby walking trails. Perfectly situated in a 55+ community, this villa is the ideal place for you to call home. Village Walk is conveniently located to shopping, hospitals, restaurants and main roadways.

21. 2024-05-16
    price $309,900 460-char remark

    Show marketing remark (460 chars)

    This corner 3 bedroom, 2 bath villa located in the charming Village Walk community is waiting for you! Enjoy a picturesque backyard, soak up natural light in the inviting living room and sunroom, The property also offers a 1 car garage and easy access to nearby walking trails. Perfectly situated in a 55+ community, this villa is the ideal place for you to call home. Village Walk is conveniently located to shopping, hospitals, restaurants and main roadways.

22. 2024-04-12
    listed $314,900 Active 460-char remark

    Show marketing remark (460 chars)

    This corner 3 bedroom, 2 bath villa located in the charming Village Walk community is waiting for you! Enjoy a picturesque backyard, soak up natural light in the inviting living room and sunroom, The property also offers a 1 car garage and easy access to nearby walking trails. Perfectly situated in a 55+ community, this villa is the ideal place for you to call home. Village Walk is conveniently located to shopping, hospitals, restaurants and main roadways.

23. 2024-04-11
    historical
24. 2024-03-21
    price $299,900
25. 2024-02-22
    price $310,000
26. 2024-02-22
    status Active
27. 2024-01-23
    historical Active Under Contract
28. 2024-01-18
    price $314,900
29. 2023-09-27
    price $324,900
30. 2023-09-14
    listed $334,900 Active

ⓘ 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: $3,188 · $266/mo
• Projected year-2 tax: $3,188 · $266/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 27 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $33,269
• − Mortgage interest: −$17,029
• − Property taxes: −$3,188
• − Insurance: −$1,520
• − Repairs & maintenance: −$2,661
• − Management: −$2,661
• − HOA: −$8,160
• − Depreciation: −$8,844
• Taxable loss: −$10,795
• Est. tax savings @ 24.0%: +$2,591
• After-tax cash flow: $-3,125/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 — Royal Palm Beach

• Score: 79/100
• State rank: #135
• US rank: #2039

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Royal Palm Beach, FL
• County: Palm Beach County · 1,438,312 people
• City population: 75,299
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 76,863
• Household income: $92,591
• Rent vs Own: 20.5% rent · 79.5% own
• Severe rent burden: 1870.0

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: Diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 44% Hispanic / Latino 24% Black 23% Two or more races 16% Asian 5%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5% Cuban 4% Dominican 2%
• Common ancestry: Hispanic 6% Romanian 2% Italian 1%
• Foreign-born: 26% · Canada, Jamaica, China
• Languages at home: 73% English-only · Spanish 17% French/Haitian/Cajun 4% Other Indo-European 2%

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: ▲ 17.04%
• Current HPI: 903.78
• Rent YoY: ▲ 0.85%
• 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

-9.2% since first listed

19 events — show timeline

• 2026-04-22 Price Changed $304,000 Beaches MLS
• 2026-03-27 Price Changed $305,000 Beaches MLS
• 2026-02-02 Price Changed $307,000 Beaches MLS
• 2025-12-11 Listed $311,000 Beaches MLS
• 2024-10-15 Sold (Public Records) $285,000 Public Records
• 2024-10-04 Sold (MLS) $285,000 Beaches MLS
• 2024-09-03 Contingent — Beaches MLS
• 2024-07-19 Price Changed $289,900 Beaches MLS
• 2024-06-25 Price Changed $299,900 Beaches MLS
• 2024-05-16 Price Changed $309,900 Beaches MLS
• 2024-04-12 Listed $314,900 Beaches MLS
• 2024-04-11 Listing Removed — Beaches MLS
• 2024-03-21 Price Changed $299,900 Beaches MLS
• 2024-02-22 Price Changed $310,000 Beaches MLS
• 2024-02-22 Relisted — Beaches MLS
• 2024-01-23 Contingent — Beaches MLS
• 2024-01-18 Price Changed $314,900 Beaches MLS
• 2023-09-27 Price Changed $324,900 Beaches MLS
• 2023-09-14 Listed $334,900 Beaches MLS

Property tax history

+3.8%/yr

Latest (2025): $3,188 · -30.5% YoY. Source: county tax records.