12970 Dartford Trl #6 · Wellington, FL 33414

$325,000

3 bd · 2.0 ba · 1,300 sqft · Condo public records · 36 Days on market

Built 1981 $450/mo HOA · 14% of rent

---

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 +10.5/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• Schools +4.3/10.0
• Livability +3.7/5.0
• Rent growth +3.1/5.0
• DSCR +3.0/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Clean upgraded private end unit in popular Sheffield Woods. First floor, with many upgrades, tile throughout. Must see to appreciate!

Key facts

• $450 HOA
• 2 parking spots
• Community pool

Property features AI

Finance

• Financial info: No land lease; Pets allowed (with number and size limits)
• HOA & community: Association with monthly fee; HOA fee $450 monthly; Association amenities include clubhouse, pool, park, recreation facilities, parking, sidewalks, internet included; HOA covers cable TV, insurance, internet, grounds and structure maintenance, water, hot water, roof repairs, pool service, reserve funds, and common areas

Exterior

• Parking: Assigned open parking; 2 total parking spaces
• Security: Smoke detectors
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected; Cable available
• Home design: Condominium; One level (living on one level); Resale; Faces south
• Construction: Block/CBS construction; Composition roof; 2 total stories
• Exterior features: Covered patio; Open patio; Open porch; Screened porch; Sidewalks; Paved road; Not waterfront

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator; Freezer; Electric water heater
• Bedrooms: 3 bedrooms on the main level
• Flooring: Ceramic tile; Tile
• Bathrooms: 2 full bathrooms (main level)
• Heating & cooling: Central heating (electric); Central air conditioning (electric); Ceiling fans
• Interior features: Built-in features; Walk-in closets; Unfurnished
• Laundry & utility: Laundry inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath condo listed at $325k.

Deal economics

• At list price, monthly cash flow is $-166 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $296k (9.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $324k (0.3% below list).
• Recommended offer: $296k (9.0% below list) — sets the bar for cash-flow.
• Cap rate 5.7% vs local median 3.4% in Wellington — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 73/100 on livability (#294 in FL, #4,986 nationally) — 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: Wellington Elementary School (math 60% / reading 64%, grade B, #608 of 2,144 statewide, top 29%, 950 students, 38% FRL); Wellington Landings Middle (math 70% / reading 72%, grade A, #59 of 571 statewide, top 11%, 1,230 students, 29% FRL); Wellington High School (math 57% / reading 65%, grade C+, #102 of 667 statewide, top 15%, 2,688 students, 29% FRL) — zoned schools average 32% FRL vs 52% district-wide (20 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 65% at this address vs 50% district-wide (+15 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 (+2.3%/yr); 621 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); high-income renter base; 3,974 units permitted in Palm Beach County in 2024 (1,012 in 5+ unit buildings).
• This rent runs 35% of the median local income ($112k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Palm Beach County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 36 days — a 3% lower offer ($315k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 12y 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 $121k; list at $325k implies a 169% 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→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $295,739 (9.0% 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 36 days. Have you received any prior offers? Is the seller open to a 9% 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. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.00% ✗
• Cap rate: 5.68%
• Cash-on-cash: -2.18%
• DSCR: 0.90
• GRM: 8.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.31% rent growth · sell at horizon

5-year hold

• IRR: -20.7%
• Equity multiple: 0.28×
• Total profit: $-65,104
• Equity at exit: $48,459

10-year hold

• IRR: -15.7%
• Equity multiple: 0.14×
• Total profit: $-77,922
• Equity at exit: $28,100

Cash invested: $91,000 (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 33414

• Home prices YoY: -30.2%
• Rents YoY: 2.3%
• Active inventory: 621
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $3,240 high
• Mortgage (P&I): −$1,704
• Tax from tax record: −$436 /mo · $5,230/yr
• Insurance: −$135
• HOA: −$450
• Vacancy / Maint / Mgmt: −$680
• Net cashflow: $-166

Break-even live

Break-even rent $3,450

Max offer price $295,739

Occupancy floor —

Sensitivity live

Price	-10% $18	-5% $-74	+0% $-166	+5% $-258	+10% $-350
Rent	-10% $-422	-5% $-294	+0% $-166	+5% $-38	+10% $90
Rate	-1.0pp $-2	-0.5pp $-83	base $-166	+0.5pp $-250	+1.0pp $-336

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: $81,250
• Closing costs: $9,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
12950 Dartford Trl #14 Wellington, FL	2.0	2.0	1180	$4,250	$3.60	15d	1	0.05mi
12959 Pennypacker Trl #9 Wellington, FL	2.0	2.0	1180	$4,800	$4.07	26d	1	0.06mi
13055 Albright Ct #20 Wellington, FL	3.0	2.0	1300	$2,950	$2.27	5d	1	0.07mi
13055 Albright Ct #17 Wellington, FL	3.0	2.0	1300	$2,500	$1.92	22d	1	0.07mi
13125 Chadwick Ct #2 Wellington, FL	2.0	2.0	1100	$2,300	$2.09	26d	1	0.08mi
13033 Northshire Trl #21 Wellington, FL	3.0	2.0	1300	$2,050	$1.58	9d	1	0.11mi
13105 Belhaven Ct #15 Wellington, FL	3.0	2.0	1300	$2,250	$1.73	26d	1	0.11mi
13385 Georgian Ct Wellington, FL	3.0	2.5	1628	$2,800	$1.72	26d	1	0.12mi
13165 Chadwick Ct #26 Wellington, FL	3.0	2.0	1300	$2,800	$2.15	23d	1	0.13mi
13165 Chadwick Ct #26 Wellington, FL	3.0	2.0	1300	$2,800	$2.15	26d	1	0.13mi
13377 Georgian Ct Wellington, FL	2.0	2.5	1568	$2,790	$1.78	26d	1	0.13mi
13377 Georgian Ct Wellington, FL	2.0	2.5	1568	$2,680	$1.71	4d	1	0.13mi
13377 Georgian Ct Wellington, FL	3.0	2.5	1568	$5,800	$3.70	15d	1	0.13mi
13095 Belhaven Ct #11 Wellington, FL	2.0	2.0	1180	$2,400	$2.03	26d	1	0.14mi
13095 Belhaven Ct #12 Wellington, FL	3.0	2.0	1300	$2,600	$2.00	26d	1	0.14mi
13175 Quiet Woods Rd Unit A Wellington, FL	3.0	2.5	1585	$3,000	$1.89	4d	1	0.15mi
13175 Quiet Woods Rd Unit A Wellington, FL	3.0	2.5	1585	$2,900	$1.83	1d	1	0.15mi
12989 Odessa Trl #5 Wellington, FL	3.0	2.0	1300	$2,750	$2.12	26d	1	0.15mi
12989 Odessa Trl #6 Wellington, FL	3.0	2.0	1300	$2,700	$2.08	20d	1	0.15mi
12989 Odessa Trl #6 Wellington, FL	3.0	2.0	1300	$2,800	$2.15	12d	1	0.15mi
13354 Georgian Ct Wellington, FL	3.0	2.5	1628	$6,000	$3.69	15d	1	0.15mi
13122 Via Veneto Wellington, FL	3.0	3.0	1729	$3,500	$2.02	26d	1	0.16mi
750 Via Toscana Wellington, FL	3.0	2.0	1317	$2,850	$2.16	7d	1	0.17mi
13454 Old Englishtown Rd Wellington, FL	2.0	2.5	1062	$2,300	$2.17	26d	1	0.18mi
13490 Old Englishtown Rd Wellington, FL	2.0	2.5	1062	$4,800	$4.52	26d	1	0.20mi
13472 Old Englishtown Rd Wellington, FL	2.0	2.0	1070	$2,300	$2.15	19d	1	0.20mi
711 Forest Club Dr Wellington, FL	1.0–2.0	1.0–2.0	1037	$2,478	$2.39	0d	5	0.21mi
1001 Mourning Dove Ln Wellington, FL	3.0	2.5	1392	$2,800	$2.01	12d	1	0.22mi
690 Via Toscana Wellington, FL	3.0	2.0	1432	$3,200	$2.23	26d	1	0.23mi
1000 Lake Breeze Dr Wellington, FL	3.0	2.0	1857	$3,900	$2.10	6d	1	0.26mi
1000 Lake Breeze Dr Wellington, FL	3.0	2.0	1857	$3,500	$1.88	4d	1	0.26mi
1049 Mourning Dove Ln Wellington, FL	3.0	2.0	1097	$2,600	$2.37	26d	1	0.28mi
661 Lake Wellington Dr Wellington, FL	3.0	2.0	1408	$5,000	$3.55	26d	1	0.29mi
542 Indigo Ave Wellington, FL	3.0	2.0	1830	$4,200	$2.30	7d	1	0.37mi
1112 Wild Cherry Ln Wellington, FL	3.0	2.0	1857	$3,600	$1.94	26d	1	0.38mi
12726 Spinnaker Ln Wellington, FL	2.0	2.0	907	$3,000	$3.31	23d	1	0.52mi
1256 Lake Breeze Dr Wellington, FL	4.0	2.0	1707	$5,000	$2.93	14d	1	0.55mi
522 Goldenwood Way Wellington, FL	2.0	2.0	1148	$3,800	$3.31	26d	1	0.59mi
1033 Goldenrod Rd Wellington, FL	4.0	2.5	1583	$3,400	$2.15	26d	1	0.67mi
12497 Guilford Way Wellington, FL	3.0	2.0	1437	$4,500	$3.13	26d	1	0.67mi

HOA detail condo

• Monthly dues: $450 · $5,400/yr
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 34 events

1. 2026-06-21
   days on market $325,000 Active 36 DOM
2. 2026-06-18
   days on market $325,000 Active 33 DOM
3. 2026-06-17
   days on market $325,000 Active 32 DOM
4. 2026-06-16
   days on market $325,000 Active 31 DOM
5. 2026-06-15
   price $325,000 Active 30 DOM
6. 2026-06-15
   days on market $329,000 Active 30 DOM
7. 2026-06-13
   days on market $329,000 Active 28 DOM
8. 2026-06-09
   days on market $329,000 Active 24 DOM
9. 2026-06-08
   pricedays on market $329,000 Active 23 DOM
10. 2026-06-07
    days on market $330,000 Active 22 DOM
11. 2026-06-04
    days on market $330,000 Active 19 DOM
12. 2026-06-03
    days on market $330,000 Active 18 DOM
13. 2026-06-02
    days on market $330,000 Active 17 DOM
14. 2026-06-01
    days on market $330,000 Active 16 DOM
15. 2026-05-31
    days on market $330,000 Active 15 DOM
16. 2026-05-16
    listed $330,000 Active
17. 2025-02-04
    historical $2,175
18. 2025-02-04
    historical $2,175
19. 2025-01-20
    listed $2,175
20. 2025-01-20
    listed $2,175
21. 2025-01-10
    historical $2,200
22. 2025-01-10
    listed $2,200
23. 2025-01-01
    historical $2,290
24. 2024-12-31
    price $2,290
25. 2024-12-06
    price $2,295
26. 2024-10-09
    listed $2,450
27. 2024-10-09
    historical $2,450
28. 2024-10-08
    listed $2,450
29. 2014-11-21
    historical 133-char remark

    Show marketing remark (133 chars)

    Clean upgraded private end unit in popular Sheffield Woods. First floor, with many upgrades, tile throughout. Must see to appreciate!

30. 2014-10-30
    soldstatus $121,000
31. 2014-10-17
    soldstatus $121,000 Closed 133-char remark

    Show marketing remark (133 chars)

    Clean upgraded private end unit in popular Sheffield Woods. First floor, with many upgrades, tile throughout. Must see to appreciate!

32. 2014-07-30
    status Pending 133-char remark

    Show marketing remark (133 chars)

    Clean upgraded private end unit in popular Sheffield Woods. First floor, with many upgrades, tile throughout. Must see to appreciate!

33. 2014-07-16
    listed $137,500 Active 133-char remark

    Show marketing remark (133 chars)

    Clean upgraded private end unit in popular Sheffield Woods. First floor, with many upgrades, tile throughout. Must see to appreciate!

34. 1999-05-28
    soldstatus $62,000

ⓘ 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: $5,230 · $436/mo
• Projected year-2 tax: $5,230 · $436/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 9/10 Extreme 7 d/yr ≥107°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $38,885
• − Mortgage interest: −$18,205
• − Property taxes: −$5,230
• − Insurance: −$1,625
• − Repairs & maintenance: −$3,111
• − Management: −$3,111
• − HOA: −$5,400
• − Depreciation: −$9,455
• Taxable loss: −$7,251
• Est. tax savings @ 24.0%: +$1,740
• After-tax cash flow: $-247/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 — Wellington

• Score: 73/100
• State rank: #294
• US rank: #4986

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wellington, FL
• County: Palm Beach County · 1,438,312 people
• City population: 60,184
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 60,184
• Household income: $112,241
• Rent vs Own: 26.1% rent · 73.9% own
• Severe rent burden: 1566.0

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 0.67)
• Race & ethnicity: White 47% Hispanic / Latino 29% Two or more races 20% Black 13% Asian 6%
• Hispanic origin (detail): Mexican 4% Puerto Rican 5% Cuban 6% Dominican 1% Salvadoran 1%
• Common ancestry: Hispanic 4% Romanian 3% Lithuanian 2%
• Foreign-born: 26% · Canada, Jamaica, China
• Languages at home: 67% English-only · Spanish 23% French/Haitian/Cajun 3% Other Indo-European 3%

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: ▼ -152.58%
• Current HPI: 352.9366
• Rent YoY: ▲ 2.31%
• 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

+432.3% since first listed

19 events — show timeline

• 2026-05-16 Listed $330,000 Beaches MLS
• 2025-02-04 Rental Removed $2,175 RMLSFL
• 2025-02-04 Rental Removed $2,175 GFLMLS
• 2025-01-20 Listed for Rent $2,175 RMLSFL
• 2025-01-20 Listed for Rent $2,175 GFLMLS
• 2025-01-10 Rental Removed $2,200 GFLMLS
• 2025-01-10 Listed for Rent $2,200 GFLMLS
• 2025-01-01 Rental Removed $2,290 RMLSFL
• 2024-12-31 Price Changed $2,290 RMLSFL
• 2024-12-06 Price Changed $2,295 RMLSFL
• 2024-10-09 Listed for Rent $2,450 RMLSFL
• 2024-10-09 Rental Removed $2,450 GFLMLS
• 2024-10-08 Listed for Rent $2,450 GFLMLS
• 2014-11-21 Listing Removed — Beaches MLS
• 2014-10-30 Sold (Public Records) $121,000 Public Records
• 2014-10-17 Sold (MLS) $121,000 Beaches MLS
• 2014-07-30 Pending — Beaches MLS
• 2014-07-16 Listed $137,500 Beaches MLS
• 1999-05-28 Sold (Public Records) $62,000 Public Records

Property tax history

+12.3%/yr

Latest (2025): $5,230 · +4.1% YoY. Source: county tax records.