126 Sunflower Cir · Royal Palm Beach, FL 33411

$590,000

4 bd · 2.0 ba · 1,912 sqft · SingleFamily public records · 242 Days on market

Built 1991 10,020 sqft lot

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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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +6.7/30.0
• Schools +4.3/10.0
• Livability +4.0/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• 1% rule +1.6/10.0
• DSCR +1.0/10.0

Listing remarks MLS

Bank owned! 4 bedroom home with great floorplan! Separate family room, 2 car garage, and large screened patio overlooking beautiful yard with preferred East exposure! Bank addendum will be given upon acceptance of an offer.

Key facts

• Full impact windows
• No hoa
• 0.23 acre lot

Tags

• FULL IMPACT WINDOWS
• LARGE ABOVE-GROUND POOL
• SPACIOUS 1/4 ACRE LOT
• NO HOA
• CLOSE TO TOP-RATED SCHOOLS
• AMPLE SPACE FOR GARDENING

Property features AI

Finance

• Financial info: No pet restrictions

Exterior

• Parking: Attached covered garage with 2 spaces; Driveway; Garage door opener
• Security: Security/high impact doors; Smoke detector(s)
• Utilities: Public water; Public sewer; Cable available
• Home design: Single-story; Faces west; Slab foundation
• Construction: Block construction; Shingle roof; Effective year built
• Exterior features: Enclosed porch; Screened porch; Fence; Fruit trees; Room for pool; Above-ground pool

Interior

• Kitchen: Built-in oven; Electric range; Microwave; Dishwasher; Disposal; Icemaker
• Flooring: Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air; Ceiling fan(s)
• Interior features: First floor entry; Pantry; Walk-in closet(s); Family room
• Laundry & utility: Washer hookup; Dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $590k.

Deal economics

• At list price, monthly cash flow is $-941 ($-11k/yr) — negative.
• To cash-flow at today's rent, offer at most $424k (28.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $392k (33.6% below list).
• Recommended offer: $392k (33.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 79/100 on livability (#135 in FL, #2,039 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, health & safety A+; Watch: cost of living C-, amenities F, commute 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.
• Market conditions: Rents flat; 574 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 $3,918/mo this rent would consume 51% of the median local household income ($93k/yr) (locally 1870% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $63k of equity ($4k loan paydown + $59k appreciation (10.0% local appreciation)).
• Palm Beach County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$101k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 242 days — a 12% lower offer ($519k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 18y 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 $160k; list at $590k implies a 269% 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 $391,825 (33.6% 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 242 days. Have you received any prior offers? Is the seller open to a 34% concession, seller financing, or rate buy-down credit?
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. 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?
7. 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.
8. 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.
9. 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: 0.66% ✗
• Cap rate: 4.38%
• Cash-on-cash: -6.84%
• DSCR: 0.70
• GRM: 12.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 0.85% rent growth · sell at horizon

5-year hold

• IRR: 18.9%
• Equity multiple: 2.53×
• Total profit: $253,134
• Equity at exit: $531,519

10-year hold

• IRR: 17.1%
• Equity multiple: 5.70×
• Total profit: $777,232
• Equity at exit: $1,146,240

Cash invested: $165,200 (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 33411

• Home prices YoY: 1.9%
• Rents YoY: 0.8%
• Active inventory: 574
• Price-to-rent: 12.5×

Monthly cashflow live

• Estimated rent: $3,918 high
• Mortgage (P&I): −$3,094
• Tax from tax record: −$697 /mo · $8,358/yr
• Insurance: −$246
• HOA: −$0
• Vacancy / Maint / Mgmt: −$823
• Net cashflow: $-941

Break-even live

Break-even rent $5,109

Max offer price $423,774

Occupancy floor —

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: $147,500
• Closing costs: $17,700
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
147 Sunflower Cir Royal Palm Beach, FL	4.0	2.0	2000	$4,300	$2.15	19d	1	0.02mi
147 Sunflower Cir Royal Palm Beach, FL	4.0	2.0	2000	$4,100	$2.05	1d	1	0.02mi
100 Miramar Ave Royal Palm Beach, FL	3.0	2.0	1812	$3,600	$1.99	24d	1	0.76mi
191 Parkwood Dr Royal Palm Beach, FL	3.0	3.0	2200	$4,000	$1.82	24d	1	0.79mi
190 Parkwood Dr Royal Palm Beach, FL	3.0	2.0	1644	$3,200	$1.95	24d	1	0.81mi
113 Madrid St Royal Palm Beach, FL	3.0	3.0	1720	$4,500	$2.62	10d	1	0.87mi
113 Madrid St Royal Palm Beach, FL	4.0	3.0	1720	$4,500	$2.62	24d	1	0.87mi
2418 Westmont Dr Royal Palm Beach, FL	4.0	3.0	2361	$4,950	$2.10	3d	1	0.91mi
147 Alcazar St Royal Palm Beach, FL	4.0	3.0	2182	$3,950	$1.81	4d	1	1.13mi
212 Trace Ct Royal Palm Beach, FL	3.0	2.0	1740	$3,050	$1.75	5d	1	1.24mi
240 Bilbao St Royal Palm Beach, FL	3.0	2.0	1440	$3,400	$2.36	24d	1	1.36mi
101 Fairway Ln Royal Palm Beach, FL	3.0	2.5	1684	$3,300	$1.96	22d	1	1.38mi
148 Ponce de Leon St Royal Palm Beach, FL	3.0	2.0	2022	$3,500	$1.73	24d	1	1.45mi
13351 40th St N West Palm Beach, FL	4.0	3.0	2586	$4,500	$1.74	24d	1	1.45mi
180 Heatherwood Dr Royal Palm Beach, FL	3.0	2.0	1462	$2,710	$1.85	5d	1	1.46mi
221 Bilbao St Royal Palm Beach, FL	3.0	2.0	1657	$3,700	$2.23	24d	1	1.48mi
13393 40th Ln N West Palm Beach, FL	4.0	2.0	2150	$3,700	$1.72	20d	1	1.49mi

Listing history 23 events

1. 2026-06-18
   days on market $590,000 Active 242 DOM
2. 2026-06-17
   days on market $590,000 Active 241 DOM
3. 2026-06-16
   days on market $590,000 Active 240 DOM
4. 2026-06-15
   days on market $590,000 Active 239 DOM
5. 2026-06-13
   days on market $590,000 Active 237 DOM
6. 2026-06-09
   days on market $590,000 Active 233 DOM
7. 2026-06-07
   days on market $590,000 Active 231 DOM
8. 2026-06-04
   days on market $590,000 Active 228 DOM
9. 2026-06-03
   days on market $590,000 Active 227 DOM
10. 2026-06-01
    days on market $590,000 Active 225 DOM
11. 2026-05-31
    days on market $590,000 Active 224 DOM
12. 2026-02-20
    status Active
13. 2026-01-25
    historical Active Under Contract
14. 2025-12-16
    price $590,000
15. 2025-10-19
    listed $595,000 Active
16. 2010-09-20
    soldstatus $160,070 223-char remark

    Show marketing remark (223 chars)

    Bank owned! 4 bedroom home with great floorplan! Separate family room, 2 car garage, and large screened patio overlooking beautiful yard with preferred East exposure! Bank addendum will be given upon acceptance of an offer.

17. 2010-07-22
    historical 223-char remark

    Show marketing remark (223 chars)

    Bank owned! 4 bedroom home with great floorplan! Separate family room, 2 car garage, and large screened patio overlooking beautiful yard with preferred East exposure! Bank addendum will be given upon acceptance of an offer.

18. 2010-07-07
    listed $145,900 223-char remark

    Show marketing remark (223 chars)

    Bank owned! 4 bedroom home with great floorplan! Separate family room, 2 car garage, and large screened patio overlooking beautiful yard with preferred East exposure! Bank addendum will be given upon acceptance of an offer.

19. 2010-03-20
    historical
20. 2008-05-14
    listed $145,000
21. 1991-03-20
    soldstatus $108,000
22. 1986-09-01
    soldstatus $918,000
23. 1985-07-01
    soldstatus $13,007,000

ⓘ 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: $8,358 · $697/mo
• Projected year-2 tax: $8,358 · $697/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 2/10 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 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $47,019
• − Mortgage interest: −$33,049
• − Property taxes: −$8,358
• − Insurance: −$2,950
• − Repairs & maintenance: −$3,762
• − Management: −$3,762
• − Depreciation: −$17,164
• Taxable loss: −$22,025
• Est. tax savings @ 24.0%: +$5,286
• After-tax cash flow: $-6,006/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 — Royal Palm Beach

• Score: 79/100
• State rank: #135
• US rank: #2039

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Royal Palm Beach, FL
• County: Palm Beach County · 1,438,312 people
• City population: 75,299
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 76,863
• Household income: $92,591
• Rent vs Own: 20.5% rent · 79.5% own
• Severe rent burden: 1870.0

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 0.70)
• Race & ethnicity: White 44% Hispanic / Latino 24% Black 23% Two or more races 16% Asian 5%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5% Cuban 4% Dominican 2%
• Common ancestry: Hispanic 6% Romanian 2% Italian 1%
• Foreign-born: 26% · Canada, Jamaica, China
• Languages at home: 73% English-only · Spanish 17% French/Haitian/Cajun 4% 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: ▲ 17.04%
• Current HPI: 903.78
• Rent YoY: ▲ 0.85%
• 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

-95.5% since first listed

12 events — show timeline

• 2026-02-20 Relisted — MARMLS
• 2026-01-25 Contingent — MARMLS
• 2025-12-16 Price Changed $590,000 MARMLS
• 2025-10-19 Listed $595,000 MARMLS
• 2010-09-20 Sold (MLS) $160,070 Beaches MLS
• 2010-07-22 Listing Removed — Beaches MLS
• 2010-07-07 Listed $145,900 Beaches MLS
• 2010-03-20 Listing Removed — Beaches MLS
• 2008-05-14 Listed $145,000 Beaches MLS
• 1991-03-20 Sold (Public Records) $108,000 Public Records
• 1986-09-01 Sold (Public Records) $918,000 Public Records
• 1985-07-01 Sold (Public Records) $13,007,000 Public Records

Property tax history

+8.8%/yr

Latest (2025): $8,358 · +108.1% YoY. Source: county tax records.