307 SE Husted Ter · Port St. Lucie, FL 34983

$274,500

2 bd · 2.0 ba · 962 sqft · SingleFamily public records · 151 Days on market

Built 1978 10,000 sqft lot Est $272k · at est.

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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 +14.5/30.0
• ARV discount +7.1/15.0
• DSCR +4.4/10.0
• Schools +3.7/10.0
• Rent growth +2.9/5.0
• 1% rule +2.8/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

NICE STARTER HOME THAT HAS BEEN FRESHLY PAINTED INSIDE W/ GALLEY STYLE KITCHEN,SCREENED PORCH OVERLOOKS FENCED BACK YARD W/10X14 SHED. LARGE INSIDE UTILITY ROOM,WALK-IN CLOSETS IN BOTH BEDROOMS. A MUST SEE HOME!

Key facts

• Brand new roof
• Large laundry room
• 0.23 acre lot

Tags

• LARGE LAUNDRY ROOM
• BRAND NEW ROOF

Property features AI

Finance

• Other: Pets allowed with no restrictions

Exterior

• Parking: Garage (1 covered space, 1 garage space)
• Utilities: Public water; Public sewer; Three-phase electric; Sewer and water available
• Home design: Single family residence; Resale property; Faces south; 1 story
• Construction: Frame and stucco construction; Composition shingle roof
• Exterior features: Open porch; Covered patio; Fenced yard; Room for a pool

Interior

• Kitchen: Dishwasher; Electric range; Refrigerator
• Bedrooms: 2 bedrooms on the main level
• Flooring: Carpet
• Bathrooms: 2 full bathrooms on the main level
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Walk-in closets; Bedroom layout is stacked
• Laundry & utility: Inside laundry; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $274k.

Deal economics

• At list price, monthly cash flow is $61 ($736/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 $214k (21.9% below list).
• Recommended offer: $214k (21.9% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 3.9% in Port St. Lucie — 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: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• St. Lucie (urban): math 40% / reading 48% proficiency, ranked #51 of 73 in FL (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Savanna Ridge Elementary School (math 40% / reading 45%, grade F, #1,383 of 2,144 statewide, top 65%, 452 students, 75% FRL); St. Lucie West Centennial High (math 26% / reading 47%, grade F, #351 of 667 statewide, top 54%, 2,766 students, 59% FRL).
• Market conditions: Rents rising (+1.5%/yr); 358 active listings in the ZIP; 11 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; 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
• This rent runs 34% of the median local income ($75k/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 $8k of value loss. Plan a longer hold.
• St. Lucie County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 151 days — a 12% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 23y ago; this cycle's ask has dropped $70k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $80k; list at $274k implies a 243% 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→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $214,494 (21.9% below list)

Questions for the listing agent

1. It's been on market 151 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
2. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.78% ✗
• Cap rate: 6.56%
• Cash-on-cash: 0.96%
• DSCR: 1.04
• GRM: 10.7

CMA / ARV

• ARV (on-the-fly): $272,246
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
310 SE Calmoso Dr	0.35mi	2/2.0	894 (-7%)	3mo	$200,000	$224	69
874 SW Goodrich St	0.56mi	2/2.0	942 (-2%)	3mo	$310,000	$329	68
140 SE Duxbury Ave	0.28mi	2/2.0	888 (-8%)	11mo	$280,000	$315	65
150 SE Dwight Ave	0.27mi	2/2.0	1,025 (+6%)	15mo	$289,900	$283	64
854 SE Preston Ln	0.43mi	2/1.5	930 (-3%)	11mo	$265,000	$285	63
325 SE Bayview Ter	0.52mi	2/2.0	1,000 (+4%)	11mo	$270,000	$270	60
582 SE Karrigan Ter	0.63mi	2/2.0	1,026 (+7%)	2mo	$249,900	$244	58
341 SE Bayview Ter	0.53mi	2/1.0	888 (-8%)	2mo	$260,000	$293	57
150 SW Lakehurst Dr	0.58mi	2/1.0	912 (-5%)	14mo	$170,000	$186	48
620 SE Clifton Ln	0.64mi	2/2.0	894 (-7%)	13mo	$330,000	$369	47
495 SE Airoso Blvd	0.71mi	2/2.0	1,002 (+4%)	16mo	$265,000	$264	47
175 SE El Sito Ct	0.72mi	2/1.0	1,082 (+12%)	5mo	$185,800	$172	37

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

Projected returns pro-forma

-3.0% appreciation · 1.53% rent growth · sell at horizon

5-year hold

• IRR: -16.3%
• Equity multiple: 0.43×
• Total profit: $-43,830
• Equity at exit: $40,929

10-year hold

• IRR: -10.5%
• Equity multiple: 0.40×
• Total profit: $-46,119
• Equity at exit: $23,734

Cash invested: $76,860 (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 34983

• Home prices YoY: -33.9%
• Rents YoY: 1.5%
• Active inventory: 358
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $2,145 high
• Mortgage (P&I): −$1,440
• Tax from tax record: −$79 /mo · $951/yr
• Insurance: −$114
• HOA: −$0
• Vacancy / Maint / Mgmt: −$450
• Net cashflow: $61

Break-even live

Break-even rent $2,067

Max offer price $274,500

Occupancy floor 92%

Sensitivity live

Price	-10% $217	-5% $139	+0% $61	+5% $-16	+10% $-94
Rent	-10% $-108	-5% $-23	+0% $61	+5% $146	+10% $231
Rate	-1.0pp $200	-0.5pp $131	base $61	+0.5pp $-10	+1.0pp $-82

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: $68,625
• Closing costs: $8,235
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1382 SE Sandia Dr Port Saint Lucie, FL	2.0	1.0	945	$1,000	$1.06	24d	1	0.49mi
738 SW Ravenswood Ln Port St Lucie, FL	2.0	2.0	894	$2,100	$2.35	21d	1	0.67mi
650 SE Evergreen Ter Port Saint Lucie, FL	2.0	2.0	974	$2,095	$2.15	14d	1	0.71mi
213 NE Prima Vista Blvd Port Saint Lucie, FL	2.0	1.0	1012	$2,000	$1.98	24d	1	0.85mi
491 SW Curtis St Port Saint Lucie, FL	1.0	1.0	750	$1,800	$2.40	24d	1	0.99mi
1189 SW Broadview St Port Saint Lucie, FL	2.0	2.0	988	$2,200	$2.23	14d	1	0.99mi
554 SW Lakehurst Dr Port Saint Lucie, FL	3.0	2.0	1054	$2,100	$1.99	14d	1	1.29mi
205 SW Voltair Ter Port Saint Lucie, FL	2.0	2.0	925	$2,095	$2.26	21d	1	1.37mi
120 SW Grimaldo Ter Port Saint Lucie, FL	1.0	1.0	651	$1,100	$1.69	24d	1	1.38mi
434 SW Whitmore Dr Port Saint Lucie, FL	1.0	1.0	750	$2,150	$2.87	24d	1	1.40mi
991 SE Walters Ter Port Saint Lucie, FL	2.0	2.0	1040	$8,500	$8.17	24d	1	1.43mi

Listing history 12 events

1. 2026-06-03
   statusdays on market $274,500 Pending 151 DOM
2. 2026-06-02
   days on market $274,500 Active 150 DOM
3. 2026-06-01
   days on market $274,500 Active 149 DOM
4. 2026-05-31
   days on market $274,500 Active 148 DOM
5. 2026-05-30
   days on market $274,500 Active 147 DOM
6. 2026-02-28
   price $299,900
7. 2026-01-29
   price $325,000
8. 2025-12-31
   listed $345,000 Active
9. 2003-04-30
   soldstatus $80,000
10. 2003-04-28
    soldstatus $80,000 211-char remark

    Show marketing remark (211 chars)

    NICE STARTER HOME THAT HAS BEEN FRESHLY PAINTED INSIDE W/ GALLEY STYLE KITCHEN,SCREENED PORCH OVERLOOKS FENCED BACK YARD W/10X14 SHED. LARGE INSIDE UTILITY ROOM,WALK-IN CLOSETS IN BOTH BEDROOMS. A MUST SEE HOME!

11. 2003-04-21
    historical 211-char remark

    Show marketing remark (211 chars)

    NICE STARTER HOME THAT HAS BEEN FRESHLY PAINTED INSIDE W/ GALLEY STYLE KITCHEN,SCREENED PORCH OVERLOOKS FENCED BACK YARD W/10X14 SHED. LARGE INSIDE UTILITY ROOM,WALK-IN CLOSETS IN BOTH BEDROOMS. A MUST SEE HOME!

12. 2003-03-03
    listed $82,500 211-char remark

    Show marketing remark (211 chars)

    NICE STARTER HOME THAT HAS BEEN FRESHLY PAINTED INSIDE W/ GALLEY STYLE KITCHEN,SCREENED PORCH OVERLOOKS FENCED BACK YARD W/10X14 SHED. LARGE INSIDE UTILITY ROOM,WALK-IN CLOSETS IN BOTH BEDROOMS. A MUST SEE HOME!

ⓘ 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: $951 · $79/mo
• Projected year-2 tax: $2,278 · $190/mo
• Expected delta: +$1,327/yr (+$111/mo · 139.5%)

ⓘ 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 ≥106°F today · 24 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,739
• − Mortgage interest: −$15,376
• − Property taxes: −$951
• − Insurance: −$1,372
• − Repairs & maintenance: −$2,059
• − Management: −$2,059
• − Depreciation: −$7,985
• Taxable loss: −$4,064
• Est. tax savings @ 24.0%: +$975
• After-tax cash flow: $1,712/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: St. Lucie
• NCES district ID: 1201770
• Math proficiency: 40% ▼ -11.00%
• Reading proficiency: 48% ▼ -4.00%
• Median HH income: $44,737
• Composite: 37.28/100
• National rank: #4449
• State rank: #51 of 73 in FL

Livability — Port St. Lucie

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Port St. Lucie, FL
• County: Saint Lucie County · 337,150 people
• City population: 221,051
• Metro: Port St. Lucie, FL
• Population (ZIP): 49,001
• Household income: $75,489
• Rent vs Own: 15.2% rent · 84.8% own
• Severe rent burden: 843.0

Population outlook (St. Lucie County) Hauer SSP2

• Today (2025): 338,016 people
• By 2030: 355,687 · +5.2%
• By 2040: 385,521 · +14.1%
• By 2050: 406,106 · +20.1%
• By 2075: 441,054 · +30.5%
• By 2100: 436,885 · +29.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 51% Hispanic / Latino 23% Black 18% Two or more races 13% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 9% Cuban 3%
• Common ancestry: Hispanic 3% Romanian 2% Italian 1%
• Foreign-born: 19% · Canada, Guatemala, Jamaica
• Languages at home: 74% English-only · Spanish 15% French/Haitian/Cajun 4% Other Indo-European 2%

Political lean MEDSL · St. Lucie

• 2024 margin: Lean R (+9.1) · D 45.1% · R 54.2%
• 2008→2024 swing: -21.2pp toward R · 2008: 12.1pp · 2024: -9.1pp
• All cycles: 2024: R+9.1 2020: R+1.6 2016: R+2.5 2012: D+7.9 2008: D+12.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -209.28%
• Current HPI: 407.6341
• Rent YoY: ▲ 1.53%
• Metro: Port St. Lucie, 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

+263.5% since first listed

7 events — show timeline

• 2026-02-28 Price Changed $299,900 Beaches MLS
• 2026-01-29 Price Changed $325,000 Beaches MLS
• 2025-12-31 Listed $345,000 Beaches MLS
• 2003-04-30 Sold (Public Records) $80,000 Public Records
• 2003-04-28 Sold (MLS) $80,000 Beaches MLS
• 2003-04-21 Listing Removed — Beaches MLS
• 2003-03-03 Listed $82,500 Beaches MLS

Property tax history

+1.2%/yr

Latest (2025): $951 · +5.9% YoY. Source: county tax records.