2555 Pga Blvd #413 · Palm Beach Gardens, FL 33410

$115,000

3 bd · 2.0 ba · 1,600 sqft · Manufactured · 105 Days on market

Built 1996 3,500 sqft lot $1550/mo HOA · 39% of rent ↓ 30% since listing

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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 !!! Enjoy the open floor plan and extra living square footage in this custom built Palm Harbor home with reinforced exterior walls, New Plumbing. Brand New Roof , Large eat in kitchen with stainless stove and microwave. Formal dining area, large great room with ample windows . The home has been well maintained and cared for. The master suite is extra spacious and has a large bathroom with double sinks at the vanity, lots of closet space. Bedrooms 2 & 3 are split away from the master on the other side of the home. Interior laundry. Very large Florida room at the front of the home allowing a private sitting area to enjoy the breezes. Carport and exterior storage room included. Amazing location , 5 minutes to the beach and I-95, walk to shopping and restaurants. Community is all ages and offers a Clubhouse, Resort Style Pool and Jacuzzi, Fitness Room, Playground, Basketball, Boat & RV Storage is available.

Key facts

• Palm beach gardens
• Clubhouse
• Manufactured home

Tags

• MANUFACTURED HOME
• PALM BEACH GARDENS
• CLUBHOUSE
• SHUFFLEBOARD
• GYM
• BASKETBALL

Property features AI

Finance

• Financial info: Pets allowed (restrictions possible; number and size limits may apply)
• HOA & community: Community clubhouse; Fitness center; Picnic area; Playground; Pool; Shuffleboard court; Monthly HOA fee

Exterior

• Parking: Assigned parking; Detached carport; Has carport
• Security: Closed-circuit cameras; Security guard
• Utilities: Public water; Public sewer; Cable available; Water available; Sewer available
• Home design: Manufactured home; Single-story; Faces south; Resale condition
• Construction: Modular construction; Composition/shingle roof; Built from plans
• Exterior features: Patio; Shed(s); No waterfront

Interior

• Kitchen: Dishwasher; Electric range; Refrigerator
• Bedrooms: 3 main-level bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Cathedral ceilings; Vaulted ceilings; Partially furnished

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $115k.

Deal economics

• At list price, monthly cash flow is $788 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $115k).
• Recommended offer: $105k (9.0% 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 26d 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 $3,965/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 $795 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 $32k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 105 days — a 9% lower offer ($105k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 3y ago; this cycle's ask has dropped $10k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 39% 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 $104,650 (9.0% below list)

Questions for the listing agent

1. It's been on market 105 days. Have you received any prior offers? Is the seller open to a 9% 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: 3.45% ✓
• Cap rate: 14.51%
• Cash-on-cash: 29.36%
• DSCR: 2.31
• GRM: 2.4

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: 23.2%
• Equity multiple: 1.95×
• Total profit: $30,535
• Equity at exit: $17,147

10-year hold

• IRR: 30.8%
• Equity multiple: 3.70×
• Total profit: $87,098
• Equity at exit: $9,943

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 33410

• Rents YoY: 2.5%
• Active inventory: 309
• Price-to-rent: 2.4×

Monthly cashflow live

• Estimated rent: $3,965 high
• Mortgage (P&I): −$603
• Tax est. 1.5%: −$144 /mo · $1,725/yr
• Insurance: −$48
• HOA: −$1,550
• Vacancy / Maint / Mgmt: −$833
• Net cashflow: $788

Break-even live

Break-even rent $2,968

Max offer price $115,000

Occupancy floor 75%

Sensitivity live

Price	-10% $867	-5% $828	+0% $788	+5% $748	+10% $708
Rent	-10% $475	-5% $631	+0% $788	+5% $945	+10% $1,101
Rate	-1.0pp $846	-0.5pp $817	base $788	+0.5pp $758	+1.0pp $728

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 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	0.19mi
2813 Grande Pkwy #109 Palm Beach Gardens, FL	3.0	2.0	1278	$2,818	$2.21	26d	1	0.24mi
11860 Valencia Gardens Ave Palm Beach Gardens, FL	3.0	3.5	2150	$3,800	$1.77	26d	1	0.27mi
2805 Veronia Dr Palm Beach Gardens, FL	3.0	2.0	1361	$3,000	$2.20	26d	1	0.31mi
2802 Sarento Pl #204 Palm Beach Gardens, FL	2.0	2.0	1092	$3,500	$3.21	26d	1	0.32mi
2395 Idlewild Rd Palm Beach Gardens, FL	3.0	2.0	1476	$4,500	$3.05	23d	1	0.35mi
2916 Tuscany Ct Palm Beach Gardens, FL	3.0	2.0	1278	$2,818	$2.21	26d	1	0.38mi
2916 Tuscany Ct #201 Palm Beach Gardens, FL	2.0	2.0	1149	$3,200	$2.79	5d	1	0.38mi
2388 S Wallen Dr West Palm Beach, FL	3.0	2.0	1296	$4,500	$3.47	26d	1	0.40mi
3252 Florida Blvd Unit 1326857P Palm Beach Gardens, FL	4.0	3.0	1593	$6,903	$4.33	0d	1	0.70mi
3270 Grove Rd Unit 1326860P Palm Beach Gardens, FL	3.0	2.0	1496	$5,492	$3.67	0d	1	0.74mi
106 Renaissance Dr West Palm Beach, FL	3.0	3.0	2021	$6,000	$2.97	26d	1	0.77mi
160 Lost Bridge Dr Palm Beach Gardens, FL	3.0	2.0	1826	$4,500	$2.46	16d	1	0.81mi
1891 Juno Landing Ln North Palm Beach, FL	3.0	2.5	2138	$5,450	$2.55	5d	1	0.82mi
1950 Juno Landing Ln North Palm Beach, FL	3.0	2.5	2138	$4,950	$2.32	19d	1	0.82mi
2100 PGA Blvd Palm Beach Gardens, FL	1.0–2.0	1.0–2.0	983	$3,118	$3.17	0d	9	0.83mi
12015 Colony Ave Palm Beach Gardens, FL	3.0	2.0	1104	$3,100	$2.81	23d	1	0.86mi
12015 Colony Ave Palm Beach Gardens, FL	3.0	2.0	1104	$3,100	$2.81	26d	1	0.86mi
222 E Tall Oaks Cir Palm Beach Gardens, FL	3.0	2.0	1577	$5,000	$3.17	23d	1	0.87mi
3610 Gardens Pkwy Unit 402A Palm Beach Gardens, FL	2.0	2.5	1831	$5,500	$3.00	26d	1	0.89mi
2415 Laurel Ln West Palm Beach, FL	2.0	2.5	1916	$8,500	$4.44	26d	1	0.91mi
3630 Gardens Pkwy Unit 1004C Palm Beach Gardens, FL	2.0	2.5	1831	$5,000	$2.73	26d	1	0.92mi
3630 Gardens Pkwy Unit 1104C Palm Beach Gardens, FL	2.0	2.5	1831	$5,250	$2.87	20d	1	0.92mi
1827 Len Dr North Palm Beach, FL	2.0	1.0	1600	$5,500	$3.44	3d	1	0.94mi
1827 Len Dr North Palm Beach, FL	2.0	1.0	1600	$5,500	$3.44	3d	1	0.94mi
700 Sanctuary Cove Dr West Palm Beach, FL	1.0–3.0	1.0–2.0	1120	$3,153	$2.82	0d	55	0.99mi
11021 Legacy Ln #303 Palm Beach Gardens, FL	2.0	2.0	1403	$2,950	$2.10	26d	1	1.00mi
49 Uno Lago Dr Juno Beach, FL	2.0	2.5	1494	$5,500	$3.68	26d	1	1.00mi
11023 Legacy Ln #204 Palm Beach Gardens, FL	2.0	2.0	1309	$3,500	$2.67	26d	1	1.01mi
1869 Circle Dr North Palm Beach, FL	2.0	2.0	1216	$3,400	$2.80	14d	1	1.01mi
318 Oak Harbour Dr #318 Juno Beach, FL	2.0	2.0	1533	$4,000	$2.61	26d	1	1.03mi
827 Oak Harbour Dr Juno Beach, FL	2.0	2.0	1301	$4,200	$3.23	26d	1	1.03mi
11011 Legacy Dr #306 Palm Beach Gardens, FL	2.0	2.0	1403	$4,350	$3.10	26d	1	1.07mi
11900 Valencia Gardens Ave Palm Beach Gardens, FL	1.0–3.0	1.0–2.0	980	$3,032	$3.09	0d	18	1.07mi
10201 Chapman Oak Ct Palm Beach Gardens, FL	2.0	2.0	1152	$4,000	$3.47	26d	1	1.08mi
3745 Atlantic Rd Unit 3745 Palm Beach Gardens, FL	4.0	2.0	1119	$2,900	$2.59	26d	1	1.08mi
11521 Landing Pl Unit E1 North Palm Beach, FL	2.0	2.0	1130	$7,000	$6.19	26d	1	1.08mi
925 Bay Colony Dr S Juno Beach, FL	2.0	2.0	1590	$6,500	$4.09	26d	1	1.08mi
382 Golfview Rd Unit C North Palm Beach, FL	2.0	2.0	1513	$2,950	$1.95	26d	1	1.09mi
431 Bay Colony Dr N Juno Beach, FL	3.0	3.0	1859	$5,500	$2.96	26d	1	1.09mi

HOA detail

• Monthly dues: $1,550 · $18,600/yr
• Likely covers: pool

Listing history 17 events

1. 2026-03-30
   price $115,000
2. 2026-03-19
   price $120,000
3. 2026-02-10
   listed $125,000 Active
4. 2025-02-28
   historical
5. 2024-12-05
   price $160,000
6. 2024-10-05
   listed $165,000 Active
7. 2024-05-24
   soldstatus $130,000 Closed 940-char remark

   Show marketing remark (940 chars)

   JUST LISTED !!! Enjoy the open floor plan and extra living square footage in this custom built Palm Harbor home with reinforced exterior walls, New Plumbing. Brand New Roof , Large eat in kitchen with stainless stove and microwave. Formal dining area, large great room with ample windows . The home has been well maintained and cared for. The master suite is extra spacious and has a large bathroom with double sinks at the vanity, lots of closet space. Bedrooms 2 & 3 are split away from the master on the other side of the home. Interior laundry. Very large Florida room at the front of the home allowing a private sitting area to enjoy the breezes. Carport and exterior storage room included. Amazing location , 5 minutes to the beach and I-95, walk to shopping and restaurants. Community is all ages and offers a Clubhouse, Resort Style Pool and Jacuzzi, Fitness Room, Playground, Basketball, Boat & RV Storage is available.

8. 2024-05-01
   status Pending 940-char remark

   Show marketing remark (940 chars)

   JUST LISTED !!! Enjoy the open floor plan and extra living square footage in this custom built Palm Harbor home with reinforced exterior walls, New Plumbing. Brand New Roof , Large eat in kitchen with stainless stove and microwave. Formal dining area, large great room with ample windows . The home has been well maintained and cared for. The master suite is extra spacious and has a large bathroom with double sinks at the vanity, lots of closet space. Bedrooms 2 & 3 are split away from the master on the other side of the home. Interior laundry. Very large Florida room at the front of the home allowing a private sitting area to enjoy the breezes. Carport and exterior storage room included. Amazing location , 5 minutes to the beach and I-95, walk to shopping and restaurants. Community is all ages and offers a Clubhouse, Resort Style Pool and Jacuzzi, Fitness Room, Playground, Basketball, Boat & RV Storage is available.

9. 2024-04-05
   listed $150,000 Active 940-char remark

   Show marketing remark (940 chars)

   JUST LISTED !!! Enjoy the open floor plan and extra living square footage in this custom built Palm Harbor home with reinforced exterior walls, New Plumbing. Brand New Roof , Large eat in kitchen with stainless stove and microwave. Formal dining area, large great room with ample windows . The home has been well maintained and cared for. The master suite is extra spacious and has a large bathroom with double sinks at the vanity, lots of closet space. Bedrooms 2 & 3 are split away from the master on the other side of the home. Interior laundry. Very large Florida room at the front of the home allowing a private sitting area to enjoy the breezes. Carport and exterior storage room included. Amazing location , 5 minutes to the beach and I-95, walk to shopping and restaurants. Community is all ages and offers a Clubhouse, Resort Style Pool and Jacuzzi, Fitness Room, Playground, Basketball, Boat & RV Storage is available.

10. 2024-03-31
    historical
11. 2024-03-15
    status Active
12. 2024-03-15
    price $150,000
13. 2024-02-19
    status Pending
14. 2024-01-19
    price $160,000
15. 2023-08-27
    status Active
16. 2023-07-29
    status Pending
17. 2023-05-12
    listed $165,000 Active

ⓘ 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: $47,585
• − Mortgage interest: −$6,442
• − Property taxes: −$1,725
• − Insurance: −$575
• − Repairs & maintenance: −$3,807
• − Management: −$3,807
• − HOA: −$18,600
• − Depreciation: −$3,345
• Taxable income: $9,284
• Est. tax owed @ 24.0%: −$2,228
• After-tax cash flow: $7,227/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

-30.3% since first listed

17 events — show timeline

• 2026-03-30 Price Changed $115,000 Beaches MLS
• 2026-03-19 Price Changed $120,000 Beaches MLS
• 2026-02-10 Listed $125,000 Beaches MLS
• 2025-02-28 Listing Removed — MCRTC
• 2024-12-05 Price Changed $160,000 MCRTC
• 2024-10-05 Listed $165,000 MCRTC
• 2024-05-24 Sold (MLS) $130,000 MCRTC
• 2024-05-01 Pending — MCRTC
• 2024-04-05 Listed $150,000 MCRTC
• 2024-03-31 Listing Removed — MCRTC
• 2024-03-15 Relisted — MCRTC
• 2024-03-15 Price Changed $150,000 MCRTC
• 2024-02-19 Pending — MCRTC
• 2024-01-19 Price Changed $160,000 MCRTC
• 2023-08-27 Relisted — MCRTC
• 2023-07-29 Pending — MCRTC
• 2023-05-12 Listed $165,000 MCRTC