1705 Juanita Ave · Fort Pierce, FL 34946

$115,000

2 bd · 1.5 ba · 754 sqft · SingleFamily public records · 6 Days on market

Built 1961 8,100 sqft lot Est $167k · 31% under

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Why this score? — see what drove the A 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
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.7/10.0
• Appreciation +8.0/10.0
• Livability +3.8/5.0
• Schools +3.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

CBS 2 bedroom 1 bath plus utility room with 1/2 bath is ready for your vision. Home has terrazzo & tile floors and real wood vintage kitchen cabinets. Located close to downtown, airport, beaches, shops and more. This is a Fannie Mae HECM HomePath property.

Key facts

• Close to airport
• Tile floors
• Utility room

Tags

• UTILITY ROOM
• TERRAZZO FLOORS
• TILE FLOORS
• VINTAGE KITCHEN CABINETS
• CLOSE TO DOWNTOWN
• CLOSE TO AIRPORT

Property features AI

Exterior

• Parking: Two total parking spaces; Attached carport (covered) with one carport space; One open parking space
• Utilities: Public water; Septic tank sewer; Electricity connected; Water connected
• Home design: Single-family residence; One story; Resale condition; Faces north
• Construction: CBS construction; Shingle and other roof types; Built as single-story (year built not provided)
• Exterior features: Not waterfront

Interior

• Kitchen: No specific kitchen appliances listed
• Bedrooms: One bedroom on the main level
• Flooring: Carpet; Tile; Other flooring
• Bathrooms: One full bathroom; One half bathroom
• Interior features: No notable interior features reported
• Laundry & utility: No laundry appliances listed

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $115k.

Deal economics

• At list price, monthly cash flow is $476 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $115k).
• Cap rate 11.3% vs local median 3.5% in Fort Pierce — 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 76/100 on livability (#226 in FL, #3,360 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D+, amenities F, employment F.
• 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: Manatee Academy K-8 (math 53% / reading 51%, grade C-, #990 of 2,144 statewide, top 48%, 1,664 students, 65% FRL); Southern Oaks Middle School (math 39% / reading 43%, grade F, #353 of 571 statewide, top 63%, 894 students, 76% FRL); Fort Pierce Central High School (math 15% / reading 45%, grade F, #441 of 667 statewide, top 67%, 3,091 students, 62% FRL).
• Market conditions: 133 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($795 loan paydown + $7k appreciation (5.9% local appreciation)).
• St. Lucie County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (5.9% appreciation + 3.0% rent growth), your $32k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $62k; list at $115k implies a 85% 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→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $115,000

Questions for the listing agent

1. Built in 1961 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.47% ✓
• Cap rate: 11.26%
• Cash-on-cash: 17.75%
• DSCR: 1.79
• GRM: 5.7

CMA / ARV

• ARV (on-the-fly): $166,634
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1904 Rosarita Ave	0.25mi	2/1.0	696 (-8%)	20mo	$130,000	$187	57
1605 N 17th St	0.60mi	2/1.0	782 (+4%)	15mo	$174,900	$224	51
1903 Avenue O	0.63mi	3/1.0 (+1)	816 (+8%)	12mo	$180,000	$221	40

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

Projected returns pro-forma

5.92% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 30.1%
• Equity multiple: 2.96×
• Total profit: $63,066
• Equity at exit: $71,718

10-year hold

• IRR: 28.1%
• Equity multiple: 6.03×
• Total profit: $162,025
• Equity at exit: $129,563

Cash invested: $32,200 (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 34946

• Home prices YoY: 1.7%
• Active inventory: 133
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,692 high
• Mortgage (P&I): −$603
• Tax from tax record: −$210 /mo · $2,517/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$355
• Net cashflow: $476

Break-even live

Break-even rent $1,090

Max offer price $115,000

Occupancy floor 67%

Sensitivity live

Price	-10% $541	-5% $509	+0% $476	+5% $444	+10% $411
Rent	-10% $343	-5% $409	+0% $476	+5% $543	+10% $610
Rate	-1.0pp $534	-0.5pp $506	base $476	+0.5pp $447	+1.0pp $416

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1910 Juanita Ave Fort Pierce, FL	3.0	2.0	1100	$2,000	$1.82	16d	1	0.17mi
2107 San Marcos Ave Fort Pierce, FL	2.0	1.0	625	$1,171	$1.87	23d	1	0.29mi
1710 N 21st St Fort Pierce, FL	3.0	1.0	968	$2,100	$2.17	16d	1	0.56mi
1601 N 17th St Fort Pierce, FL	2.0	1.0	996	$1,650	$1.66	25d	1	0.64mi
2017 N 3rd St Fort Pierce, FL	1.0	1.0	600	$1,650	$2.75	25d	1	0.65mi
1610 N 25th St Unit 10 Fort Pierce, FL	2.0	1.0	740	$1,600	$2.16	25d	1	0.74mi
1610 N 25th St Unit 1 Fort Pierce, FL	2.0	1.0	740	$1,600	$2.16	16d	1	0.74mi
1610 N 25th St Unit 13 Fort Pierce, FL	2.0	1.0	740	$1,550	$2.09	25d	1	0.74mi
2760 Seneca Ave Fort Pierce, FL	2.0	1.0	837	$1,500	$1.79	25d	1	0.74mi
2202 N AVE Unit A Fort Pierce, FL	2.0	1.0	585	$1,500	$2.56	25d	1	0.75mi
1408 N 23rd St Fort Pierce, FL	3.0	1.0	1110	$1,900	$1.71	16d	1	0.80mi
1220 Avenue L Unit A Fort Pierce, FL	3.0	1.0	850	$1,700	$2.00	25d	1	0.89mi
3101 Avenue T Fort Pierce, FL	2.0	2.0	1064	$1,980	$1.86	25d	1	0.93mi
3002 Avenue Q Fort Pierce, FL	2.0	1.0	864	$1,900	$2.20	25d	1	0.94mi
1225 Avenue K Fort Pierce, FL	3.0	1.0	837	$1,700	$2.03	25d	1	0.99mi
907 N 20th St Apt B Fort Pierce, FL	3.0	1.0	980	$1,800	$1.84	25d	1	1.06mi
2804 Avenue J Fort Pierce, FL	3.0	1.0	816	$2,000	$2.45	16d	1	1.15mi
1405 Avenue G Apt A Fort Pierce, FL	3.0	2.0	1064	$2,200	$2.07	25d	1	1.20mi
1604 Avenue E Fort Pierce, FL	2.0	1.0	713	$1,350	$1.89	16d	1	1.25mi
1617 Avenue E Fort Pierce, FL	3.0	1.0	1100	$1,800	$1.64	25d	1	1.27mi
1127 E Avenue Unit A Fort Pierce, FL	2.0	1.0	784	$1,800	$2.30	23d	1	1.36mi
701 N 9th St Unit B Fort Pierce, FL	2.0	2.0	740	$1,395	$1.89	25d	1	1.36mi
529 N 11th St Fort Pierce, FL	2.0	2.0	634	$1,200	$1.89	23d	1	1.38mi
1607 Avenue D Fort Pierce, FL	3.0	2.0	1029	$1,700	$1.65	16d	1	1.40mi
508 Means Ct Fort Pierce, FL	3.0	3.0	826	$1,950	$2.36	16d	1	1.42mi
508 Means Ct Unit A Fort Pierce, FL	1.0	1.0	826	$775	$0.94	25d	1	1.42mi
434 N 17th St Fort Pierce, FL	2.0	1.0	712	$1,500	$2.11	25d	1	1.43mi

Listing history 5 events

1. 2026-06-16
   statusdays on market $115,000 Pending 6 DOM
2. 2026-06-15
   days on market $115,000 Active 5 DOM
3. 2026-06-14
   days on market $115,000 Active 3 DOM
4. 2026-06-13
   remarks 258-char remark
5. 2026-06-13
   listed $115,000 Active 2 DOM

ⓘ 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: $2,517 · $210/mo
• Projected year-2 tax: $2,517 · $210/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 ≥106°F today · 26 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: $20,310
• − Mortgage interest: −$6,442
• − Property taxes: −$2,517
• − Insurance: −$575
• − Repairs & maintenance: −$1,625
• − Management: −$1,625
• − Depreciation: −$3,345
• Taxable income: $4,181
• Est. tax owed @ 24.0%: −$1,003
• After-tax cash flow: $4,713/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 — Fort Pierce

• Score: 76/100
• State rank: #226
• US rank: #3360

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Fort Pierce, FL
• City population: 78,556
• Population (ZIP): 6,588

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 0.68)
• Race & ethnicity: Black 36% Hispanic / Latino 34% White 26% Two or more races 18% Native American 4% Asian 1%
• Hispanic origin (detail): Mexican 16% Puerto Rican 2% Cuban 2% Salvadoran 1%
• Common ancestry: Lithuanian 1% Slovak 1% Portuguese 1%
• Foreign-born: 25% · Canada, Dominican Republic
• Languages at home: 70% English-only · Spanish 28% Other Indo-European 1%

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: ▲ 5.92%
• Current HPI: 351.3324
• Rent YoY: —
• Metro: —
• 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

+666.7% since first listed

4 events — show timeline

• 2026-06-09 Listed $115,000 Beaches MLS
• 1996-02-05 Sold (Public Records) $62,000 Public Records
• 1995-07-06 Sold (Public Records) $38,000 Public Records
• 1994-04-07 Sold (Public Records) $15,000 Public Records

Property tax history

+36.1%/yr

Latest (2025): $2,517 · +3.8% YoY. Source: county tax records.