2555 Pga Blvd #446 · Palm Beach Gardens, FL 33410

$110,000

3 bd · 2.0 ba · 1,456 sqft · Manufactured · 146 Days on market

Built 2016 3,500 sqft lot $1600/mo HOA · 40% of rent

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Just Listed !!! This 3 bedroom 2 bath Palm Harbor home is located at The Meadows in Palm Beach Gardens, an all age community. Great location , walk to shopping, 5 minutes to the beach , 5 minutes to The Gardens Mall, 15 minutes to Palm Beach International Airport. This home has newer carpet in the bedroom, front porch and back patio. Detached carport and storage unit. Double sinks with a raised vanity in the master bathroom, shower with seat, walk in closet in master bedroom. Large living area, spacious dining room, washer and dryer off the kitchen. Upgraded window coverings, laminate flooring , stainless refrigerator. Community offers clubhouse, pool, fitness, play area, basketball.

Key facts

• Clubhouse
• Barbecue area
• Shuffle board

Tags

• SPA LIKE POOL
• CLUBHOUSE
• SHUFFLE BOARD
• GYM
• BARBECUE AREA
• KIDS PLAYGROUND

Property features AI

Finance

• Financial info: Pets allowed (restrictions and possible limits apply)
• HOA & community: Has association; Clubhouse; Fitness center; Playground; Pool; Shuffleboard court; Monthly association fee; Association fee includes cable TV, grounds maintenance, sewer, trash, and water

Exterior

• Parking: Assigned carport; 1 carport space; 1 covered space; 2 open parking spaces
• Security: Security lights
• Utilities: Public water; Public sewer; Cable available; Water available; Sewer available
• Home design: Manufactured home; Single-story; Faces west; Resale condition
• Construction: Modular construction; Composition (shingle) roof
• Exterior features: Covered patio; Patio

Interior

• Kitchen: Dishwasher; Electric range; Refrigerator
• Bedrooms: 3 bedrooms (all on the main level)
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms (main level)
• Heating & cooling: Central heating; Central air conditioning
• Interior features: No special interior features listed; Unfurnished
• Laundry & utility: Laundry closet inside the home

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $110k.

Deal economics

• At list price, monthly cash flow is $770 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $110k).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#464 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: Dwight D. Eisenhower Elementary School (math 52% / reading 52%, grade C-, #990 of 2,144 statewide, top 48%, 432 students, 56% FRL); Howell L. Watkins Middle School (math 18% / reading 33%, grade F, #512 of 571 statewide, top 90%, 794 students, 76% 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 at 57% FRL track the district average.
• Market conditions: Rents rising (+2.5%/yr); 309 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 27d 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).
• At $3,962/mo this rent would consume 50% of the median local household income ($95k/yr) (locally 1429% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $761 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 2.5% rent growth), your $31k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 146 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 6y 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 $68k; list at $110k implies a 62% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 40% of rent.
• Climate carrying-cost: moderate flood risk; 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 $96,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 146 days. Have you received any prior offers? Is the seller open to a 12% 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. 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. 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. 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: 3.60% ✓
• Cap rate: 14.70%
• Cash-on-cash: 30.01%
• DSCR: 2.34
• GRM: 2.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.49% rent growth · sell at horizon

5-year hold

• IRR: 24.0%
• Equity multiple: 1.98×
• Total profit: $30,249
• Equity at exit: $16,401

10-year hold

• IRR: 31.5%
• Equity multiple: 3.78×
• Total profit: $85,526
• Equity at exit: $9,511

Cash invested: $30,800 (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 33410

• Rents YoY: 2.5%
• Active inventory: 309
• Price-to-rent: 2.3×

Monthly cashflow live

• Estimated rent: $3,962 high
• Mortgage (P&I): −$577
• Tax est. 1.5%: −$138 /mo · $1,650/yr
• Insurance: −$46
• HOA: −$1,600
• Vacancy / Maint / Mgmt: −$832
• Net cashflow: $770

Break-even live

Break-even rent $2,988

Max offer price $110,000

Occupancy floor 76%

Sensitivity live

Price	-10% $846	-5% $808	+0% $770	+5% $732	+10% $694
Rent	-10% $457	-5% $614	+0% $770	+5% $927	+10% $1,083
Rate	-1.0pp $826	-0.5pp $798	base $770	+0.5pp $742	+1.0pp $713

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2727 Anzio Ct #106 Palm Beach Gardens, FL	3.0	2.0	1316	$3,000	$2.28	26d	1	0.31mi
2395 Idlewild Rd Palm Beach Gardens, FL	3.0	2.0	1476	$4,500	$3.05	24d	1	0.33mi
2813 Grande Pkwy #109 Palm Beach Gardens, FL	3.0	2.0	1278	$2,818	$2.21	26d	1	0.39mi
2396 Easy St Unit A Palm Beach Gardens, FL	2.0	1.0	948	$3,500	$3.69	26d	1	0.39mi
2388 S Wallen Dr West Palm Beach, FL	3.0	2.0	1296	$4,500	$3.47	26d	1	0.45mi
2805 Veronia Dr Palm Beach Gardens, FL	3.0	2.0	1361	$3,000	$2.20	26d	1	0.45mi
2802 Sarento Pl #204 Palm Beach Gardens, FL	2.0	2.0	1092	$3,500	$3.21	26d	1	0.47mi
2916 Tuscany Ct Palm Beach Gardens, FL	3.0	2.0	1278	$2,818	$2.21	26d	1	0.51mi
2916 Tuscany Ct #201 Palm Beach Gardens, FL	2.0	2.0	1149	$3,200	$2.79	5d	1	0.51mi
160 Lost Bridge Dr Palm Beach Gardens, FL	3.0	2.0	1826	$4,500	$2.46	17d	1	0.67mi
2100 PGA Blvd Palm Beach Gardens, FL	1.0–2.0	1.0–2.0	983	$3,118	$3.17	0d	9	0.72mi
222 E Tall Oaks Cir Palm Beach Gardens, FL	3.0	2.0	1577	$5,000	$3.17	24d	1	0.78mi
700 Sanctuary Cove Dr West Palm Beach, FL	1.0–3.0	1.0–2.0	1120	$3,153	$2.82	0d	55	0.84mi
3252 Florida Blvd Unit 1326857P Palm Beach Gardens, FL	4.0	3.0	1593	$6,903	$4.33	1d	1	0.84mi
3270 Grove Rd Unit 1326860P Palm Beach Gardens, FL	3.0	2.0	1496	$5,492	$3.67	1d	1	0.88mi
1827 Len Dr North Palm Beach, FL	2.0	1.0	1600	$5,500	$3.44	4d	1	0.93mi
1827 Len Dr North Palm Beach, FL	2.0	1.0	1600	$5,500	$3.44	4d	1	0.93mi
382 Golfview Rd Unit C North Palm Beach, FL	2.0	2.0	1513	$2,950	$1.95	26d	1	0.95mi
3610 Gardens Pkwy Unit 402A Palm Beach Gardens, FL	2.0	2.5	1831	$5,500	$3.00	26d	1	0.98mi
12015 Colony Ave Palm Beach Gardens, FL	3.0	2.0	1104	$3,100	$2.81	26d	1	0.98mi
12015 Colony Ave Palm Beach Gardens, FL	3.0	2.0	1104	$3,100	$2.81	24d	1	0.98mi
11021 Legacy Ln #303 Palm Beach Gardens, FL	2.0	2.0	1403	$2,950	$2.10	26d	1	0.99mi
11521 Landing Pl Unit E1 North Palm Beach, FL	2.0	2.0	1130	$7,000	$6.19	26d	1	1.00mi
11023 Legacy Ln #204 Palm Beach Gardens, FL	2.0	2.0	1309	$3,500	$2.67	26d	1	1.00mi
1718 Ridge Rd North Palm Beach, FL	2.0	2.0	900	$2,950	$3.28	26d	1	1.00mi
3630 Gardens Pkwy Unit 1004C Palm Beach Gardens, FL	2.0	2.5	1831	$5,000	$2.73	26d	1	1.01mi
3630 Gardens Pkwy Unit 1104C Palm Beach Gardens, FL	2.0	2.5	1831	$5,250	$2.87	21d	1	1.01mi
10201 Chapman Oak Ct Palm Beach Gardens, FL	2.0	2.0	1152	$4,000	$3.47	26d	1	1.01mi
1660 Twelve Oaks Way #203 North Palm Beach, FL	2.0	2.0	1492	$7,500	$5.03	21d	1	1.02mi
370 Golfview Rd North Palm Beach, FL	2.0	2.0	1724	$3,775	$2.19	3d	2	1.03mi
1869 Circle Dr North Palm Beach, FL	2.0	2.0	1216	$3,400	$2.80	15d	1	1.04mi
11011 Legacy Dr #306 Palm Beach Gardens, FL	2.0	2.0	1403	$4,350	$3.10	26d	1	1.04mi
49 Uno Lago Dr Juno Beach, FL	2.0	2.5	1494	$5,500	$3.68	26d	1	1.04mi
11370 Twelve Oaks Way #614 North Palm Beach, FL	2.0	2.0	1535	$3,750	$2.44	26d	1	1.05mi
1 Water Club Way North Palm Beach, FL	3.0–4.0	3.0–4.0	2154	$12,500	$5.80	21d	3	1.09mi
827 Oak Harbour Dr Juno Beach, FL	2.0	2.0	1301	$4,200	$3.23	26d	1	1.11mi
318 Oak Harbour Dr #318 Juno Beach, FL	2.0	2.0	1533	$4,000	$2.61	26d	1	1.11mi
7102 Geminata Oak Ct Unit 7102 Palm Beach Gardens, FL	2.0	2.0	1152	$3,200	$2.78	10d	1	1.11mi
1128 Rainwood Cir W Palm Beach Gardens, FL	3.0	2.0	1650	$4,200	$2.55	24d	1	1.12mi
12155 US Highway 1 North Palm Beach, FL	1.0–3.0	1.0–2.0	1297	$4,781	$3.68	0d	23	1.15mi

HOA detail

• Monthly dues: $1,600 · $19,200/yr
• Likely covers: pool

Listing history 26 events

1. 2026-06-21
   days on market $110,000 Active 146 DOM
2. 2026-06-18
   days on market $110,000 Active 143 DOM
3. 2026-06-17
   days on market $110,000 Active 142 DOM
4. 2026-06-16
   days on market $110,000 Active 141 DOM
5. 2026-06-15
   days on market $110,000 Active 140 DOM
6. 2026-06-13
   days on market $110,000 Active 138 DOM
7. 2026-06-09
   days on market $110,000 Active 134 DOM
8. 2026-06-07
   days on market $110,000 Active 132 DOM
9. 2026-06-04
   days on market $110,000 Active 129 DOM
10. 2026-06-03
    days on market $110,000 Active 128 DOM
11. 2026-06-01
    days on market $110,000 Active 126 DOM
12. 2026-05-31
    days on market $110,000 Active 125 DOM
13. 2026-03-23
    price $110,000
14. 2026-01-26
    listed $112,900 Active
15. 2026-01-01
    historical
16. 2025-11-05
    price $109,500
17. 2025-10-07
    price $114,500
18. 2025-09-10
    price $119,000
19. 2025-08-29
    price $129,500
20. 2025-08-16
    price $134,500
21. 2025-08-02
    listed $149,500 Active
22. 2021-03-03
    soldstatus $68,000 Closed 692-char remark

    Show marketing remark (692 chars)

    Just Listed !!! This 3 bedroom 2 bath Palm Harbor home is located at The Meadows in Palm Beach Gardens, an all age community. Great location , walk to shopping, 5 minutes to the beach , 5 minutes to The Gardens Mall, 15 minutes to Palm Beach International Airport. This home has newer carpet in the bedroom, front porch and back patio. Detached carport and storage unit. Double sinks with a raised vanity in the master bathroom, shower with seat, walk in closet in master bedroom. Large living area, spacious dining room, washer and dryer off the kitchen. Upgraded window coverings, laminate flooring , stainless refrigerator. Community offers clubhouse, pool, fitness, play area, basketball.

23. 2021-02-06
    status Pending 692-char remark

    Show marketing remark (692 chars)

    Just Listed !!! This 3 bedroom 2 bath Palm Harbor home is located at The Meadows in Palm Beach Gardens, an all age community. Great location , walk to shopping, 5 minutes to the beach , 5 minutes to The Gardens Mall, 15 minutes to Palm Beach International Airport. This home has newer carpet in the bedroom, front porch and back patio. Detached carport and storage unit. Double sinks with a raised vanity in the master bathroom, shower with seat, walk in closet in master bedroom. Large living area, spacious dining room, washer and dryer off the kitchen. Upgraded window coverings, laminate flooring , stainless refrigerator. Community offers clubhouse, pool, fitness, play area, basketball.

24. 2021-01-04
    status Active 692-char remark

    Show marketing remark (692 chars)

    Just Listed !!! This 3 bedroom 2 bath Palm Harbor home is located at The Meadows in Palm Beach Gardens, an all age community. Great location , walk to shopping, 5 minutes to the beach , 5 minutes to The Gardens Mall, 15 minutes to Palm Beach International Airport. This home has newer carpet in the bedroom, front porch and back patio. Detached carport and storage unit. Double sinks with a raised vanity in the master bathroom, shower with seat, walk in closet in master bedroom. Large living area, spacious dining room, washer and dryer off the kitchen. Upgraded window coverings, laminate flooring , stainless refrigerator. Community offers clubhouse, pool, fitness, play area, basketball.

25. 2020-12-06
    status Pending 692-char remark

    Show marketing remark (692 chars)

    Just Listed !!! This 3 bedroom 2 bath Palm Harbor home is located at The Meadows in Palm Beach Gardens, an all age community. Great location , walk to shopping, 5 minutes to the beach , 5 minutes to The Gardens Mall, 15 minutes to Palm Beach International Airport. This home has newer carpet in the bedroom, front porch and back patio. Detached carport and storage unit. Double sinks with a raised vanity in the master bathroom, shower with seat, walk in closet in master bedroom. Large living area, spacious dining room, washer and dryer off the kitchen. Upgraded window coverings, laminate flooring , stainless refrigerator. Community offers clubhouse, pool, fitness, play area, basketball.

26. 2020-10-02
    listed $72,500 Active 692-char remark

    Show marketing remark (692 chars)

    Just Listed !!! This 3 bedroom 2 bath Palm Harbor home is located at The Meadows in Palm Beach Gardens, an all age community. Great location , walk to shopping, 5 minutes to the beach , 5 minutes to The Gardens Mall, 15 minutes to Palm Beach International Airport. This home has newer carpet in the bedroom, front porch and back patio. Detached carport and storage unit. Double sinks with a raised vanity in the master bathroom, shower with seat, walk in closet in master bedroom. Large living area, spacious dining room, washer and dryer off the kitchen. Upgraded window coverings, laminate flooring , stainless refrigerator. Community offers clubhouse, pool, fitness, play area, basketball.

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

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (shaded) · 24% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°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 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $47,550
• − Mortgage interest: −$6,162
• − Property taxes: −$1,650
• − Insurance: −$550
• − Repairs & maintenance: −$3,804
• − Management: −$3,804
• − HOA: −$19,200
• − Depreciation: −$3,200
• Taxable income: $9,180
• Est. tax owed @ 24.0%: −$2,203
• After-tax cash flow: $7,039/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 — Palm Beach Gardens

• Score: 69/100
• State rank: #464
• US rank: #8366

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: Palm Beach Gardens, FL
• County: Palm Beach County · 1,438,312 people
• City population: 96,294
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 36,759
• Household income: $94,530
• Rent vs Own: 27.7% rent · 72.3% own
• Severe rent burden: 1429.0

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 (70%)
• Race & ethnicity: White 70% Hispanic / Latino 15% Two or more races 13% Black 5% Asian 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2% Cuban 3%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 17% · Canada, Jamaica, Vietnam
• Languages at home: 78% English-only · Spanish 13% French/Haitian/Cajun 3% 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: ▼ -346.12%
• Current HPI: 375.5381
• Rent YoY: ▲ 2.49%
• 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

+51.7% since first listed

14 events — show timeline

• 2026-03-23 Price Changed $110,000 Beaches MLS
• 2026-01-26 Listed $112,900 Beaches MLS
• 2026-01-01 Listing Removed — MCRTC
• 2025-11-05 Price Changed $109,500 MCRTC
• 2025-10-07 Price Changed $114,500 MCRTC
• 2025-09-10 Price Changed $119,000 MCRTC
• 2025-08-29 Price Changed $129,500 MCRTC
• 2025-08-16 Price Changed $134,500 MCRTC
• 2025-08-02 Listed $149,500 MCRTC
• 2021-03-03 Sold (MLS) $68,000 MCRTC
• 2021-02-06 Pending — MCRTC
• 2021-01-04 Relisted — MCRTC
• 2020-12-06 Pending — MCRTC
• 2020-10-02 Listed $72,500 MCRTC