14 Easthampton A · Schall Circle, FL 33417

$95,500

1 bd · 1.5 ba · 702 sqft · Condo public records · 34 Days on market

Built 1969 $500/mo HOA · 35% of rent

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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).

• Cash flow +15.2/30.0
• 1% rule +9.8/10.0
• ARV discount +7.5/15.0
• DSCR +4.7/10.0
• Schools +4.3/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

You will enjoy the South Florida lifestyle with amenities such as a fully equipped fitness center, club house with over 1000 seat theater, free transportation, close proximity to PBI airport, shopping, beaches and many restaurants. .

Key facts

• Gated community
• New flooring
• Newer a/c units

Tags

• GATED COMMUNITY
• NEW FLOORING
• UPDATED ELECTRICAL PANEL
• NEWER A/C UNITS
• CLUBHOUSE WITH THEATER
• RESORT-STYLE AMENITIES

Property features AI

Finance

• Other: Senior community
• Financial info: Pets not allowed; $505.62 annual tax (tax year 2025)
• HOA & community: Has association; Monthly HOA fee; Association amenities include clubhouse, fitness center, indoor pool, jogging path, laundry, picnic area, parking, pool, sauna, shuffleboard, tennis courts, bocce ball, courtesy bus, library, and gated access; HOA covers cable TV, grounds maintenance, security, trash, and common areas

Exterior

• Parking: Assigned parking; Guest parking; Total of 1 parking space
• Security: Gated community with guard; Security patrol
• Utilities: Public water; Public sewer; Cable available; Water available; Sewer available
• Home design: Condominium; Resale condition; Faces northeast; 2 stories
• Construction: CBS construction; Composition/shingle roof; Built as part of a multi-story building
• Exterior features: Screened porch; Porch; Not waterfront

Interior

• Kitchen: Electric cooktop; Microwave; Refrigerator; Electric water heater
• Bedrooms: One bedroom on the main level
• Flooring: Carpet
• Bathrooms: One full bathroom; One half bathroom
• Heating & cooling: Window/wall heating; Ceiling fan(s); Wall/window cooling unit(s)
• Interior features: Walk-in closet(s); Negotiable furnishings
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 1-bed/1.5-bath condo listed at $96k.

Deal economics

• At list price, monthly cash flow is $33 ($392/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $96k).
• Recommended offer: $93k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 62/100 on livability (#762 in FL) — a middle-class / working-renter tenant base. Strengths: housing A, cost of living A-; Watch: amenities F, commute F, employment 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: Grassy Waters Elementary School (math 43% / reading 48%, grade D-, #1,247 of 2,144 statewide, top 59%, 739 students, 64% FRL); Bear Lakes Middle School (math 19% / reading 33%, grade F, #506 of 571 statewide, top 89%, 842 students, 74% FRL); Palm Beach Lakes High School (math 17% / reading 26%, grade F, #546 of 667 statewide, top 82%, 2,688 students, 70% FRL) — zoned schools average 69% FRL vs 52% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 31% at this address vs 50% district-wide (-18 pts) — the specific schools serving this property underperform the Palm Beach average; the district grade overstates school quality for this exact location.
• Market conditions: Rents flat; 481 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); 3,974 units permitted in Palm Beach County in 2024 (1,012 in 5+ unit buildings).
• This rent runs 33% of the median local income ($52k/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 $660 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.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($93k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 25y 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 $45k; list at $96k implies a 112% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 35% of rent.
• 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 $92,635 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.48% ✓
• Cap rate: 6.70%
• Cash-on-cash: 1.47%
• DSCR: 1.07
• GRM: 5.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.02% rent growth · sell at horizon

5-year hold

• IRR: -19.2%
• Equity multiple: 0.36×
• Total profit: $-17,225
• Equity at exit: $14,239

10-year hold

• IRR: -28.0%
• Equity multiple: -0.01×
• Total profit: $-27,073
• Equity at exit: $8,257

Cash invested: $26,740 (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 33417

• Home prices YoY: -29.2%
• Rents YoY: 0.0%
• Active inventory: 481
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,412 high
• Mortgage (P&I): −$501
• Tax from tax record: −$42 /mo · $506/yr
• Insurance: −$40
• HOA: −$500
• Vacancy / Maint / Mgmt: −$296
• Net cashflow: $33

Break-even live

Break-even rent $1,371

Max offer price $95,500

Occupancy floor 93%

Sensitivity live

Price	-10% $87	-5% $60	+0% $33	+5% $6	+10% $-21
Rent	-10% $-79	-5% $-23	+0% $33	+5% $88	+10% $144
Rate	-1.0pp $81	-0.5pp $57	base $33	+0.5pp $8	+1.0pp $-17

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: $23,875
• Closing costs: $2,865
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
110 Stratford N West Palm Beach, FL	1.0	1.5	740	$1,600	$2.16	20d	1	0.42mi
294 Chatham S Unit O West Palm Beach, FL	1.0	1.0	645	$1,300	$2.02	26d	1	0.50mi
358 Chatham R Unit R West Palm Beach, FL	1.0	1.5	684	$1,295	$1.89	26d	1	0.51mi
358 Chatham R Unit R West Palm Beach, FL	1.0	1.5	684	$1,200	$1.75	20d	1	0.51mi
150 Bedford E West Palm Beach, FL	1.0	1.0	570	$1,375	$2.41	9d	1	0.60mi
51 Dorchester E Unit 51 West Palm Beach, FL	1.0	1.0	570	$1,400	$2.46	26d	1	0.62mi
145 Dorchester E Unit 145 West Palm Beach, FL	1.0	1.5	646	$1,300	$2.01	9d	1	0.63mi
22 Andover a West Palm Beach, FL	1.0	1.5	684	$1,375	$2.01	26d	1	0.65mi
34 Andover B West Palm Beach, FL	1.0	1.0	602	$1,250	$2.08	1d	1	0.67mi
100 Andover D West Palm Beach, FL	1.0	1.5	684	$1,400	$2.05	26d	1	0.69mi
142 Kent I West Palm Beach, FL	1.0	1.5	684	$1,475	$2.16	26d	1	0.69mi
132 Andover F Unit 132 West Palm Beach, FL	1.0	1.5	684	$1,400	$2.05	26d	1	0.70mi
49 Cambridge B Unit B West Palm Beach, FL	1.0	1.5	684	$1,350	$1.97	4d	1	0.70mi
49 Cambridge B Unit B West Palm Beach, FL	1.0	1.5	684	$1,450	$2.12	26d	1	0.70mi
17 Cambridge a West Palm Beach, FL	1.0	1.5	684	$1,200	$1.75	26d	1	0.70mi
311 Andover M West Palm Beach, FL	1.0	1.5	684	$1,400	$2.05	26d	1	0.71mi
311 Andover M Unit M West Palm Beach, FL	1.0	1.5	684	$1,400	$2.05	26d	1	0.71mi
118 Kent H West Palm Beach, FL	1.0	1.0	570	$1,325	$2.32	26d	1	0.72mi
107 Kent St Unit 107* West Palm Beach, FL	1.0	1.0	570	$1,500	$2.63	26d	1	0.74mi
11 Cambridge E Unit 11 West Palm Beach, FL	1.0	1.5	684	$1,500	$2.19	26d	1	0.74mi
325 Andover E West Palm Beach, FL	1.0	1.0	532	$1,450	$2.73	26d	1	0.74mi
188 Cambridge H Unit H West Palm Beach, FL	1.0	1.5	684	$1,345	$1.97	7d	1	0.75mi
326 Andover E West Palm Beach, FL	1.0	1.5	684	$1,490	$2.18	26d	1	0.75mi
210 Canterbury E Unit 1 West Palm Beach, FL	1.0	1.0	570	$1,375	$2.41	14d	1	0.79mi
175 Canterbury H #175 West Palm Beach, FL	1.0	1.0	570	$1,250	$2.19	16d	1	0.79mi
204 Canterbury I Unit I West Palm Beach, FL	1.0	1.0	570	$1,350	$2.37	26d	1	0.79mi
201 Canterbury I Unit I West Palm Beach, FL	1.0	1.0	570	$1,250	$2.19	26d	1	0.79mi
3 Berkshire a West Palm Beach, FL	1.0	1.0	585	$1,900	$3.25	26d	1	0.79mi
89 Berkshire D #89 West Palm Beach, FL	1.0	1.0	585	$1,050	$1.79	9d	1	0.83mi
89 Berkshire D #89 West Palm Beach, FL	1.0	1.0	585	$1,150	$1.97	26d	1	0.83mi
92 Berkshire Cres Unit 92 West Palm Beach, FL	1.0	1.0	615	$1,350	$2.20	26d	1	0.83mi
216 Berkshire K Unit K West Palm Beach, FL	1.0	1.0	585	$1,400	$2.39	22d	1	0.83mi
231 Berkshire K #231 West Palm Beach, FL	1.0	1.0	585	$1,150	$1.97	4d	1	0.84mi
220 Berkshire K #220 West Palm Beach, FL	1.0	1.0	585	$1,300	$2.22	22d	1	0.85mi
333 Northampton Q Unit 333 West Palm Beach, FL	1.0	1.0	570	$1,300	$2.28	26d	1	0.85mi
179 Berkshire I Unit I West Palm Beach, FL	1.0	1.0	585	$1,225	$2.09	26d	1	0.87mi
235 Northampton L #235 West Palm Beach, FL	1.0	1.0	615	$1,300	$2.11	12d	1	0.88mi
157 Camden G West Palm Beach, FL	1.0	1.5	646	$1,350	$2.09	26d	1	0.89mi
166 Sussex I Unit I West Palm Beach, FL	1.0	1.0	570	$1,500	$2.63	26d	1	0.90mi
4 Sussex a West Palm Beach, FL	1.0	1.0	615	$1,350	$2.20	16d	1	0.90mi

HOA detail condo

• Monthly dues: $500 · $6,000/yr
• Likely covers: gym
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 27 events

1. 2026-06-21
   days on market $95,500 Active 34 DOM
2. 2026-06-18
   days on market $95,500 Active 31 DOM
3. 2026-06-17
   days on market $95,500 Active 30 DOM
4. 2026-06-16
   days on market $95,500 Active 29 DOM
5. 2026-06-15
   days on market $95,500 Active 28 DOM
6. 2026-06-13
   days on market $95,500 Active 26 DOM
7. 2026-06-09
   days on market $95,500 Active 22 DOM
8. 2026-06-08
   days on market $95,500 Active 21 DOM
9. 2026-06-07
   days on market $95,500 Active 20 DOM
10. 2026-06-04
    days on market $95,500 Active 17 DOM
11. 2026-06-03
    days on market $95,500 Active 16 DOM
12. 2026-06-02
    days on market $95,500 Active 15 DOM
13. 2026-06-01
    days on market $95,500 Active 14 DOM
14. 2026-05-31
    days on market $95,500 Active 13 DOM
15. 2026-05-18
    listed $95,500 Active
16. 2021-08-17
    soldstatus $45,000 Closed 233-char remark

    Show marketing remark (233 chars)

    You will enjoy the South Florida lifestyle with amenities such as a fully equipped fitness center, club house with over 1000 seat theater, free transportation, close proximity to PBI airport, shopping, beaches and many restaurants. .

17. 2021-08-13
    soldstatus $45,000
18. 2021-07-25
    historical Active Under Contract 233-char remark

    Show marketing remark (233 chars)

    You will enjoy the South Florida lifestyle with amenities such as a fully equipped fitness center, club house with over 1000 seat theater, free transportation, close proximity to PBI airport, shopping, beaches and many restaurants. .

19. 2021-06-28
    status Active 233-char remark

    Show marketing remark (233 chars)

    You will enjoy the South Florida lifestyle with amenities such as a fully equipped fitness center, club house with over 1000 seat theater, free transportation, close proximity to PBI airport, shopping, beaches and many restaurants. .

20. 2021-06-12
    historical Active Under Contract 233-char remark

    Show marketing remark (233 chars)

    You will enjoy the South Florida lifestyle with amenities such as a fully equipped fitness center, club house with over 1000 seat theater, free transportation, close proximity to PBI airport, shopping, beaches and many restaurants. .

21. 2021-03-19
    price $47,900 233-char remark

    Show marketing remark (233 chars)

    You will enjoy the South Florida lifestyle with amenities such as a fully equipped fitness center, club house with over 1000 seat theater, free transportation, close proximity to PBI airport, shopping, beaches and many restaurants. .

22. 2020-11-18
    listed $48,900 Active 233-char remark

    Show marketing remark (233 chars)

    You will enjoy the South Florida lifestyle with amenities such as a fully equipped fitness center, club house with over 1000 seat theater, free transportation, close proximity to PBI airport, shopping, beaches and many restaurants. .

23. 2002-08-13
    soldstatus $18,000
24. 2002-08-06
    soldstatus $18,000 69-char remark

    Show marketing remark (69 chars)

    BEAUTIFULLY DONE. CONDO FULLY FURNISHED. NEWER CARPET AND APPLIANCES.

25. 2002-07-30
    historical 69-char remark

    Show marketing remark (69 chars)

    BEAUTIFULLY DONE. CONDO FULLY FURNISHED. NEWER CARPET AND APPLIANCES.

26. 2001-10-26
    listed $18,500 69-char remark

    Show marketing remark (69 chars)

    BEAUTIFULLY DONE. CONDO FULLY FURNISHED. NEWER CARPET AND APPLIANCES.

27. 1989-08-31
    soldstatus $26,500

ⓘ 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: $506 · $42/mo
• Projected year-2 tax: $793 · $66/mo
• Expected delta: +$287/yr (+$24/mo · 56.8%)

ⓘ 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 10/10 Extreme 7 d/yr ≥105°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 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,943
• − Mortgage interest: −$5,349
• − Property taxes: −$506
• − Insurance: −$478
• − Repairs & maintenance: −$1,355
• − Management: −$1,355
• − HOA: −$6,000
• − Depreciation: −$2,778
• Taxable loss: −$879
• Est. tax savings @ 24.0%: +$211
• After-tax cash flow: $603/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 — Schall Circle

• Score: 62/100
• State rank: #762
• US rank: #16849

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Palm Beach County · 1,438,312 people
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 38,079
• Household income: $51,605
• Rent vs Own: 40.9% rent · 59.1% own
• Severe rent burden: 2548.0

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: Highly diverse neighborhood (Simpson 0.72)
• Race & ethnicity: White 34% Black 30% Hispanic / Latino 27% Two or more races 16% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 5% Dominican 2%
• Common ancestry: Hispanic 10% Romanian 3% Scotch-Irish 1%
• Foreign-born: 34% · Canada, Jamaica
• Languages at home: 58% English-only · Spanish 24% French/Haitian/Cajun 11% Other Indo-European 3%

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: ▼ -138.62%
• Current HPI: 335.8396
• Rent YoY: ▬ 0.02%
• 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

+260.4% since first listed

13 events — show timeline

• 2026-05-18 Listed $95,500 Beaches MLS
• 2021-08-17 Sold (MLS) $45,000 Beaches MLS
• 2021-08-13 Sold (Public Records) $45,000 Public Records
• 2021-07-25 Contingent — Beaches MLS
• 2021-06-28 Relisted — Beaches MLS
• 2021-06-12 Contingent — Beaches MLS
• 2021-03-19 Price Changed $47,900 Beaches MLS
• 2020-11-18 Listed $48,900 Beaches MLS
• 2002-08-13 Sold (Public Records) $18,000 Public Records
• 2002-08-06 Sold (MLS) $18,000 Beaches MLS
• 2002-07-30 Listing Removed — Beaches MLS
• 2001-10-26 Listed $18,500 Beaches MLS
• 1989-08-31 Sold (Public Records) $26,500 Public Records

Property tax history

+0.9%/yr

Latest (2025): $506 · -25.4% YoY. Source: county tax records.