3320 Ironwood Ave · Port St. Lucie, FL 34952

$129,900

2 bd · 2.0 ba · 1,534 sqft · Manufactured public records · 63 Days on market

Built 1994 5,356 sqft lot Est $135k · at est. $340/mo HOA · 17% 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 +27.5/30.0
• 1% rule +10.0/10.0
• DSCR +9.6/10.0
• ARV discount +9.2/15.0
• Schools +3.7/10.0
• Rent growth +3.0/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Amazing Value Fully Furnished Open Concept 2/2 on Golf Course in resort styled community of Savanna Club. Large living/Dining Room with 21' built in allowing for lots of storage. Expansive kitchen with stove top island, breakfast bar & pantry closet. Kitchen opens into Family Room with additional built in wall unit and wet bar. Huge Master Bedroom with 3 closets plus Mater Bath with dual sink vanities, soaking tub & separate shower. Inside Laundry Room. Skylights, great wood like laminate floors in main living areas. Tiled Lanai overlooking golf course, A/C installed 9/2020, Decorative driveway & additional tie-downs on carport. Land leased property. Come see this affordable & spacious TURNKEY Golf Course home! All sizes approximate.

Key facts

• Wet bar
• Island kitchen
• Soaking tub

Tags

• ISLAND KITCHEN
• BREAKFAST BAR
• WET BAR
• DUAL SINK VANITIES
• SOAKING TUB
• SEPARATE SHOWER

Property features AI

Finance

• Other: Senior community
• Financial info: Land lease in place with a monthly payment
• HOA & community: Association (SCHOA) with monthly fee; Association amenities include clubhouse, fitness center, pool, spa/hot tub, tennis and pickleball courts, golf course, putting green, shuffleboard, bocce, basketball court, baseball/softball field, recreation facilities, community room, library, cafe/restaurant, billiard room, manager on site, security, internet included, and more; Association fee includes cable TV, internet, security, sewer, trash, common areas, reserve funds, and recreation facility

Exterior

• Parking: Attached carport (covered) with one space; One additional open parking space
• Security: Gated community (no guard) with security patrol
• Utilities: Public water; Public sewer; 150 Amp electric service (three phase); Cable available; Underground utilities; Water and sewer available
• Home design: Manufactured double-wide home; One story; Entry level living area; West-facing
• Construction: Pre-fabricated construction; Shingle roof; Double wide body type; Resale condition
• Exterior features: Open and screened patio; Screened porch; Patio and porch; Shed on the property; Located on a golf course

Interior

• Kitchen: Dishwasher; Refrigerator; Kitchen island
• Bedrooms: Two main-level bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating (electric, heat strip); Central air conditioning (electric) with ceiling fans
• Interior features: Built-in features; Cathedral and vaulted ceilings; Kitchen island; Wet bar; Roman tub; Bedroom layout with stacked bedrooms
• Laundry & utility: Inside laundry; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $130k.

Deal economics

• At list price, monthly cash flow is $383 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $122k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.8% 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 B — 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.
• Market conditions: Rents rising (+1.9%/yr); 639 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
• This rent runs 40% of the median local income ($62k/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 $898 of loan paydown is wiped out by about $4k 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 63 days — a 6% lower offer ($122k) is reasonable based on typical stale-listing flexibility.
• 12 sale attempts since 26y 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

• 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 $122,106 (6.0% below list)

Questions for the listing agent

1. It's been on market 63 days. Have you received any prior offers? Is the seller open to a 6% 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. 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.
6. 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.
7. 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: 1.57% ✓
• Cap rate: 9.83%
• Cash-on-cash: 12.63%
• DSCR: 1.56
• GRM: 5.3

CMA / ARV

• ARV (on-the-fly): $134,992
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3700 Westchester Ct	0.23mi	2/2.0	1,480 (-4%)	8mo	$130,000	$88	77
8394 Delphinium Ct	0.10mi	3/2.0 (+1)	1,392 (-9%)	4mo	$220,000	$158	72
3720 Pebble Bch	0.30mi	3/2.0 (+1)	1,608 (+5%)	3mo	$225,000	$140	70
8526 Lidflower Ct	0.22mi	3/2.5 (+1)	1,404 (-8%)	6mo	$70,900	$50	64
7928 Meadowlark Ln	0.54mi	2/3.0	1,475 (-4%)	1mo	$65,000	$44	63
3817 Sleepy Hollow Ln	0.38mi	2/2.0	1,390 (-9%)	4mo	$260,000	$187	63
110 W Caribbean	0.46mi	2/2.0	1,416 (-8%)	5mo	$77,500	$55	61
7822 White Ibis Ln	0.65mi	3/2.0 (+1)	1,612 (+5%)	2mo	$115,000	$71	55
3005 Approach Shot Way	0.46mi	2/2.0	1,333 (-13%)	3mo	$149,900	$112	54
172 W Carribean	0.57mi	2/2.0	1,650 (+8%)	8mo	$9,500	$6	54
192 W Caribbean	0.66mi	2/2.0	1,416 (-8%)	6mo	$49,000	$35	51
7728 Mcclintock Ct	0.70mi	2/2.0	1,692 (+10%)	11mo	$185,000	$109	41

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 · 1.92% rent growth · sell at horizon

5-year hold

• IRR: 1.0%
• Equity multiple: 1.04×
• Total profit: $1,374
• Equity at exit: $19,369

10-year hold

• IRR: 9.4%
• Equity multiple: 1.68×
• Total profit: $24,736
• Equity at exit: $11,231

Cash invested: $36,372 (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 34952

• Home prices YoY: -29.6%
• Rents YoY: 1.9%
• Active inventory: 639
• Price-to-rent: 5.3×

Monthly cashflow live

• Estimated rent: $2,041 high
• Mortgage (P&I): −$681
• Tax from tax record: −$154 /mo · $1,851/yr
• Insurance: −$54
• HOA: −$340
• Vacancy / Maint / Mgmt: −$429
• Net cashflow: $383

Break-even live

Break-even rent $1,556

Max offer price $129,900

Occupancy floor 76%

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3784 Sapodilla Ct Port Saint Lucie, FL	2.0	2.0	1121	$2,300	$2.05	23d	1	0.31mi
71 W Caribbean Port St. Lucie, FL	2.0	2.0	1417	$1,700	$1.20	23d	1	0.62mi
1900 Bella Vista Way Port Saint Lucie, FL	1.0–2.0	1.0–2.0	995	$1,764	$1.77	14d	15	0.83mi
2183 SE Wild Meadow Cir Port Saint Lucie, FL	2.0	2.0	1550	$1,900	$1.23	14d	1	0.86mi
1811 SE Walton Lakes Dr Port Saint Lucie, FL	2.0	1.0–2.0	1117	$1,926	$1.72	14d	6	0.87mi
2209 SE East Dunbrooke Cir Port Saint Lucie, FL	3.0	2.0	1212	$2,950	$2.43	14d	1	0.87mi
2058 SE Wild Meadow Cir #101 Port St Lucie, FL	2.0	2.5	1425	$2,200	$1.54	14d	1	0.87mi
2082 SE Wild Meadow Cir Port Saint Lucie, FL	2.0	2.0	1524	$1,850	$1.21	23d	1	0.88mi
2130 SE Wild Meadow Cir Port Saint Lucie, FL	2.0	2.0	1440	$1,695	$1.18	14d	1	0.89mi
1810 SE Pinewood Trl Port Saint Lucie, FL	1.0–2.0	1.0–2.0	1013	$2,055	$2.03	14d	7	1.00mi
1500 SE Tiffany Club Pl Port Saint Lucie, FL	1.0–3.0	1.0–2.0	895	$1,922	$2.15	14d	7	1.37mi

HOA detail

• Monthly dues: $340 · $4,080/yr

Listing history 50 events

1. 2026-06-18
   days on market $129,900 Active 63 DOM
2. 2026-06-17
   days on market $129,900 Active 62 DOM
3. 2026-06-16
   days on market $129,900 Active 61 DOM
4. 2026-06-15
   days on market $129,900 Active 60 DOM
5. 2026-06-14
   days on market $129,900 Active 58 DOM
6. 2026-06-13
   days on market $129,900 Active 57 DOM
7. 2026-06-10
   days on market $129,900 Active 55 DOM
8. 2026-06-09
   days on market $129,900 Active 54 DOM
9. 2026-06-08
   days on market $129,900 Active 53 DOM
10. 2026-06-07
    days on market $129,900 Active 52 DOM
11. 2026-06-05
    days on market $129,900 Active 49 DOM
12. 2026-06-03
    days on market $129,900 Active 48 DOM
13. 2026-06-02
    days on market $129,900 Active 47 DOM
14. 2026-06-01
    days on market $129,900 Active 46 DOM
15. 2026-05-31
    days on market $129,900 Active 45 DOM
16. 2026-05-30
    days on market $129,900 Active 44 DOM
17. 2026-04-16
    listed $129,900 Active
18. 2023-10-04
    historical
19. 2023-08-22
    listed $164,900 Active
20. 2021-04-19
    soldstatus $114,571
21. 2021-04-15
    soldstatus $78,000 Closed 768-char remark

    Show marketing remark (768 chars)

    Amazing Value Fully Furnished Open Concept 2/2 on Golf Course in resort styled community of Savanna Club. Large living/Dining Room with 21' built in allowing for lots of storage. Expansive kitchen with stove top island, breakfast bar & pantry closet. Kitchen opens into Family Room with additional built in wall unit and wet bar. Huge Master Bedroom with 3 closets plus Mater Bath with dual sink vanities, soaking tub & separate shower. Inside Laundry Room. Skylights, great wood like laminate floors in main living areas. Tiled Lanai overlooking golf course, A/C installed 9/2020, Decorative driveway & additional tie-downs on carport. Land leased property. Come see this affordable & spacious TURNKEY Golf Course home! All sizes approximate.

22. 2021-04-07
    historical Active Under Contract 768-char remark

    Show marketing remark (768 chars)

    Amazing Value Fully Furnished Open Concept 2/2 on Golf Course in resort styled community of Savanna Club. Large living/Dining Room with 21' built in allowing for lots of storage. Expansive kitchen with stove top island, breakfast bar & pantry closet. Kitchen opens into Family Room with additional built in wall unit and wet bar. Huge Master Bedroom with 3 closets plus Mater Bath with dual sink vanities, soaking tub & separate shower. Inside Laundry Room. Skylights, great wood like laminate floors in main living areas. Tiled Lanai overlooking golf course, A/C installed 9/2020, Decorative driveway & additional tie-downs on carport. Land leased property. Come see this affordable & spacious TURNKEY Golf Course home! All sizes approximate.

23. 2021-04-05
    listed $82,900 Active 768-char remark

    Show marketing remark (768 chars)

    Amazing Value Fully Furnished Open Concept 2/2 on Golf Course in resort styled community of Savanna Club. Large living/Dining Room with 21' built in allowing for lots of storage. Expansive kitchen with stove top island, breakfast bar & pantry closet. Kitchen opens into Family Room with additional built in wall unit and wet bar. Huge Master Bedroom with 3 closets plus Mater Bath with dual sink vanities, soaking tub & separate shower. Inside Laundry Room. Skylights, great wood like laminate floors in main living areas. Tiled Lanai overlooking golf course, A/C installed 9/2020, Decorative driveway & additional tie-downs on carport. Land leased property. Come see this affordable & spacious TURNKEY Golf Course home! All sizes approximate.

24. 2020-11-29
    historical
25. 2020-09-30
    status Active
26. 2020-09-23
    historical Contingent
27. 2020-09-11
    listed $82,900 Active
28. 2015-12-02
    soldstatus $74,500
29. 2015-11-20
    soldstatus $50,500 Closed
30. 2015-10-24
    historical Contingent
31. 2015-10-04
    listed $55,000 Active
32. 2015-09-04
    soldstatus $70,900
33. 2015-08-28
    soldstatus $48,900 Closed
34. 2015-07-25
    status Pending
35. 2015-07-18
    historical Contingent
36. 2015-05-07
    status Active
37. 2015-04-25
    historical Contingent
38. 2015-04-06
    status Active
39. 2015-03-26
    historical
40. 2015-03-06
    price $49,900
41. 2015-02-25
    status Active
42. 2015-02-24
    historical
43. 2012-05-02
    listed $54,900 Active
44. 2008-11-26
    soldstatus $67,500
45. 2008-10-14
    historical
46. 2008-02-29
    listed $74,900
47. 2003-12-08
    soldstatus $8,500,000
48. 2001-08-22
    historical
49. 2000-10-30
    soldstatus $86,700
50. 2000-03-28
    soldstatus $85,000

ⓘ 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: $1,851 · $154/mo
• Projected year-2 tax: $1,851 · $154/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 4/10 Moderate
• 🌡 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: $24,492
• − Mortgage interest: −$7,276
• − Property taxes: −$1,851
• − Insurance: −$650
• − Repairs & maintenance: −$1,959
• − Management: −$1,959
• − HOA: −$4,080
• − Depreciation: −$3,779
• Taxable income: $2,938
• Est. tax owed @ 24.0%: −$705
• After-tax cash flow: $3,889/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

• County: Saint Lucie County · 337,150 people
• City population: 221,051
• Metro: Port St. Lucie, FL
• Population (ZIP): 42,655
• Household income: $61,628
• Rent vs Own: 25.8% rent · 74.2% own
• Severe rent burden: 1759.0

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 0.57)
• Race & ethnicity: White 62% Hispanic / Latino 19% Two or more races 14% Black 10% Asian 3%
• Hispanic origin (detail): Mexican 4% Puerto Rican 4% Cuban 2% Dominican 2%
• Common ancestry: Romanian 3% Lithuanian 2% Hispanic 1%
• Foreign-born: 18% · Canada, Jamaica, China
• Languages at home: 76% English-only · Spanish 16% French/Haitian/Cajun 3% Tagalog/Filipino 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: ▼ -155.80%
• Current HPI: 371.0573
• Rent YoY: ▲ 1.92%
• 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

-96.8% since first listed

37 events — show timeline

• 2026-04-16 Listed $129,900 Beaches MLS
• 2023-10-04 Listing Removed — Beaches MLS
• 2023-08-22 Listed $164,900 Beaches MLS
• 2021-04-19 Sold (Public Records) $114,571 Public Records
• 2021-04-15 Sold (MLS) $78,000 Beaches MLS
• 2021-04-07 Contingent — Beaches MLS
• 2021-04-05 Listed $82,900 Beaches MLS
• 2020-11-29 Listing Removed — Beaches MLS
• 2020-09-30 Relisted — Beaches MLS
• 2020-09-23 Contingent — Beaches MLS
• 2020-09-11 Listed $82,900 Beaches MLS
• 2015-12-02 Sold (Public Records) $74,500 Public Records
• 2015-11-20 Sold (MLS) $50,500 Beaches MLS
• 2015-10-24 Contingent — Beaches MLS
• 2015-10-04 Listed $55,000 Beaches MLS
• 2015-09-04 Sold (Public Records) $70,900 Public Records
• 2015-08-28 Sold (MLS) $48,900 Beaches MLS
• 2015-07-25 Pending — Beaches MLS
• 2015-07-18 Contingent — Beaches MLS
• 2015-05-07 Relisted — Beaches MLS
• 2015-04-25 Contingent — Beaches MLS
• 2015-04-06 Relisted — Beaches MLS
• 2015-03-26 Listing Removed — Beaches MLS
• 2015-03-06 Price Changed $49,900 Beaches MLS
• 2015-02-25 Relisted — Beaches MLS
• 2015-02-24 Listing Removed — Beaches MLS
• 2012-05-02 Listed $54,900 Beaches MLS
• 2008-11-26 Sold (MLS) $67,500 Beaches MLS
• 2008-10-14 Listing Removed — Beaches MLS
• 2008-02-29 Listed $74,900 Beaches MLS
• 2003-12-08 Sold (Public Records) $8,500,000 Public Records
• 2001-08-22 Listing Removed — Beaches MLS
• 2000-10-30 Sold (Public Records) $86,700 Public Records
• 2000-03-28 Sold (Public Records) $85,000 Public Records
• 2000-02-24 Listed $69,900 Beaches MLS
• 1998-02-04 Sold (Public Records) $80,000 Public Records
• 1997-10-27 Sold (Public Records) $4,000,000 Public Records

Property tax history

+1.5%/yr

Latest (2025): $1,851 · +4.3% YoY. Source: county tax records.