831 Timberview Dr Unit C · Fort Pierce, FL 34982

$74,900

1 bd · 1.5 ba · 816 sqft · Condo public records · 163 Days on market

Built 1981 $590/mo HOA · 38% of rent

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Why this score? — see what drove the C- 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 +14.8/30.0
• 1% rule +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +4.5/10.0
• Rent growth +4.4/5.0
• Livability +3.8/5.0
• Schools +3.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Spacious 1 bedroom, 1.5 bath condo in High Point of Fort Pierce. High Point is a friendly and welcoming 55 plus community located close to beaches, golf, shopping and lots of recreational areas. The amenities include a club house, pool, tennis courts and shuffleboard court. Activities include a Men's Club, Women's Club, Bowling Teams, Corn Hole, Pickleball, Card Games, Bingo and more. The community is beautifully landscaped and well cared for. This unit has been meticulously maintained and is in very good condition. Come and see why so many people truly love living in High Point!

Key facts

• Shuffleboard court
• Corn hole
• Tennis courts

Tags

• CLUB HOUSE
• POOL
• TENNIS COURTS
• SHUFFLEBOARD COURT
• BOWLING TEAMS
• CORN HOLE

Property features AI

Finance

• Other: Pets allowed with restrictions (no dogs may be permitted)
• HOA & community: Monthly HOA (approx. $590) covering cable TV, insurance, grounds maintenance, security, sewer, trash, water, common areas and common real estate tax; Community amenities include clubhouse, pool, shuffleboard court, tennis courts, and pickleball courts; Senior community

Exterior

• Parking: Assigned parking space; 1 open parking space
• Security: Gated community with guard
• Utilities: Public water; Public sewer; Three-phase electric; Cable available
• Home design: Condominium; Resale property; Single-story; Faces north; Living area approximately 816
• Construction: CBS construction; Composition/shingle roof; Built as part of existing community (resale)
• Exterior features: Patio; Porch; Not waterfront

Interior

• Kitchen: Dishwasher; Electric range; Refrigerator
• Bedrooms: 1 main-level bedroom
• Flooring: Tile
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating; Central air; Ceiling fan(s)
• Interior features: Walk-in closet(s)
• Laundry & utility: Inside laundry room with washer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 1-bed/1.5-bath condo listed at $75k.

Deal economics

• At list price, monthly cash flow is $20 ($240/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $75k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.6% vs local median 3.7% 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+, schools D, amenities 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.
• Market conditions: Rents rising fast (+7.4%/yr); 336 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 34% of the median local income ($54k/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 $518 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 7.4% rent growth), your $21k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 163 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 28y ago; this cycle's ask is 5448% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: property tax is 2.9% of price; HOA is 38% 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 $65,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 163 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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?
9. 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.
10. 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.
11. 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: 2.06% ✓
• Cap rate: 6.61%
• Cash-on-cash: 1.15%
• DSCR: 1.05
• GRM: 4.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 7.42% rent growth · sell at horizon

5-year hold

• IRR: -3.8%
• Equity multiple: 0.84×
• Total profit: $-3,258
• Equity at exit: $11,168

10-year hold

• IRR: 13.9%
• Equity multiple: 2.56×
• Total profit: $32,798
• Equity at exit: $6,476

Cash invested: $20,972 (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 34982

• Home prices YoY: -33.4%
• Rents YoY: 7.4%
• Active inventory: 336
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $1,542 high
• Mortgage (P&I): −$393
• Tax from tax record: −$184 /mo · $2,208/yr
• Insurance: −$31
• HOA: −$590
• Vacancy / Maint / Mgmt: −$324
• Net cashflow: $20

Break-even live

Break-even rent $1,516

Max offer price $74,900

Occupancy floor 94%

Sensitivity live

Price	-10% $62	-5% $41	+0% $20	+5% $-1	+10% $-22
Rent	-10% $-102	-5% $-41	+0% $20	+5% $81	+10% $142
Rate	-1.0pp $58	-0.5pp $39	base $20	+0.5pp $1	+1.0pp $-19

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: $18,725
• Closing costs: $2,247
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
322 Colony Ln Unit C Fort Pierce, FL	1.0	1.5	816	$1,375	$1.69	24d	1	0.21mi
916 Savannas Point Dr Fort Pierce, FL	2.0	2.0	1120	$2,100	$1.88	14d	1	0.25mi
3261 S US Highway 1 Unit 1 Fort Pierce, FL	1.0	1.0	576	$1,050	$1.82	24d	1	0.72mi
3200 S US Highway 1 Fort Pierce, FL	2.0–3.0	1.0–2.0	1144	$1,509	$1.32	14d	1	0.76mi
3300 S 7th St Unit B Fort Pierce, FL	2.0	1.0	800	$1,595	$1.99	24d	1	0.81mi
3266 S 7th St Fort Pierce, FL	1.0	1.0	672	$1,400	$2.08	24d	1	0.85mi
802 N Lake Dr Unit B Fort Pierce, FL	2.0	1.0	1000	$1,550	$1.55	24d	1	0.95mi
947 Fra Mar Pl Fort Pierce, FL	2.0	1.0	768	$1,700	$2.21	24d	1	1.02mi
800 Kanner Dr Unit B Fort Pierce, FL	2.0	1.0	900	$1,550	$1.72	14d	1	1.10mi
4591 Whispering Pines Ln Fort Pierce, FL	2.0	1.0–2.0	576	$1,575	$2.73	24d	1	1.26mi
605 Ixoria Ave Fort Pierce, FL	2.0	2.0	744	$1,450	$1.95	14d	2	1.27mi
605 Ixoria Ave #15 Fort Pierce, FL	2.0	2.0	744	$1,500	$2.02	24d	1	1.30mi
617 Ixoria Ave Unit 2A Fort Pierce, FL	2.0	2.5	764	$1,500	$1.96	24d	1	1.34mi
410 Palm Ave Apt B Fort Pierce, FL	2.0	1.0	800	$1,400	$1.75	14d	1	1.37mi

HOA detail condo

• Monthly dues: $590 · $7,080/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 35 events

1. 2026-06-18
   days on market $74,900 Active 163 DOM
2. 2026-06-17
   days on market $74,900 Active 162 DOM
3. 2026-06-16
   days on market $74,900 Active 161 DOM
4. 2026-06-15
   days on market $74,900 Active 160 DOM
5. 2026-06-14
   days on market $74,900 Active 158 DOM
6. 2026-06-13
   days on market $74,900 Active 157 DOM
7. 2026-06-10
   days on market $74,900 Active 155 DOM
8. 2026-06-09
   days on market $74,900 Active 154 DOM
9. 2026-06-08
   days on market $74,900 Active 153 DOM
10. 2026-06-07
    days on market $74,900 Active 152 DOM
11. 2026-06-05
    days on market $74,900 Active 149 DOM
12. 2026-06-03
    days on market $74,900 Active 148 DOM
13. 2026-06-02
    days on market $74,900 Active 147 DOM
14. 2026-06-01
    days on market $74,900 Active 146 DOM
15. 2026-05-31
    days on market $74,900 Active 145 DOM
16. 2026-05-30
    days on market $74,900 Active 144 DOM
17. 2026-05-17
    listed $1,350
18. 2026-05-16
    historical $1,350
19. 2026-05-16
    listed $1,350
20. 2026-05-13
    price $74,900
21. 2026-04-15
    price $79,400
22. 2026-03-12
    price $79,500
23. 2026-02-03
    price $89,900
24. 2026-01-06
    listed $94,500 Active
25. 2025-12-01
    historical
26. 2025-10-31
    price $94,500
27. 2025-07-16
    price $100,000
28. 2025-05-28
    listed $110,000 Active
29. 2023-02-02
    soldstatus $120,000 Closed 589-char remark

    Show marketing remark (589 chars)

    Spacious 1 bedroom, 1.5 bath condo in High Point of Fort Pierce. High Point is a friendly and welcoming 55 plus community located close to beaches, golf, shopping and lots of recreational areas. The amenities include a club house, pool, tennis courts and shuffleboard court. Activities include a Men's Club, Women's Club, Bowling Teams, Corn Hole, Pickleball, Card Games, Bingo and more. The community is beautifully landscaped and well cared for. This unit has been meticulously maintained and is in very good condition. Come and see why so many people truly love living in High Point!

30. 2022-12-09
    historical Active Under Contract 589-char remark

    Show marketing remark (589 chars)

    Spacious 1 bedroom, 1.5 bath condo in High Point of Fort Pierce. High Point is a friendly and welcoming 55 plus community located close to beaches, golf, shopping and lots of recreational areas. The amenities include a club house, pool, tennis courts and shuffleboard court. Activities include a Men's Club, Women's Club, Bowling Teams, Corn Hole, Pickleball, Card Games, Bingo and more. The community is beautifully landscaped and well cared for. This unit has been meticulously maintained and is in very good condition. Come and see why so many people truly love living in High Point!

31. 2022-11-28
    listed $120,000 Active 589-char remark

    Show marketing remark (589 chars)

    Spacious 1 bedroom, 1.5 bath condo in High Point of Fort Pierce. High Point is a friendly and welcoming 55 plus community located close to beaches, golf, shopping and lots of recreational areas. The amenities include a club house, pool, tennis courts and shuffleboard court. Activities include a Men's Club, Women's Club, Bowling Teams, Corn Hole, Pickleball, Card Games, Bingo and more. The community is beautifully landscaped and well cared for. This unit has been meticulously maintained and is in very good condition. Come and see why so many people truly love living in High Point!

32. 1999-04-16
    soldstatus $28,500
33. 1999-04-15
    soldstatus $28,500
34. 1999-03-05
    historical
35. 1998-11-18
    listed $30,900

ⓘ 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: $2,208 · $184/mo
• Projected year-2 tax: $2,208 · $184/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 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 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 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,501
• − Mortgage interest: −$4,196
• − Property taxes: −$2,208
• − Insurance: −$374
• − Repairs & maintenance: −$1,480
• − Management: −$1,480
• − HOA: −$7,080
• − Depreciation: −$2,179
• Taxable loss: −$496
• Est. tax savings @ 24.0%: +$119
• After-tax cash flow: $359/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
• County: Saint Lucie County · 337,150 people
• City population: 78,556
• Metro: Port St. Lucie, FL
• Population (ZIP): 31,143
• Household income: $54,082
• Rent vs Own: 27.5% rent · 72.5% own
• Severe rent burden: 1086.0

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: Majority White (62%)
• Race & ethnicity: White 62% Hispanic / Latino 22% Two or more races 12% Black 12%
• Hispanic origin (detail): Mexican 10% Puerto Rican 3% Cuban 3%
• Common ancestry: Italian 7% Hispanic 2% Lithuanian 1%
• Foreign-born: 12% · Canada
• Languages at home: 80% English-only · Spanish 16% French/Haitian/Cajun 3%

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: ▼ -199.47%
• Current HPI: 397.2649
• Rent YoY: ▲ 7.42%
• 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

-95.6% since first listed

19 events — show timeline

• 2026-05-17 Listed for Rent $1,350 GFLMLS
• 2026-05-16 Rental Removed $1,350 RMLSFL
• 2026-05-16 Listed for Rent $1,350 RMLSFL
• 2026-05-13 Price Changed $74,900 Beaches MLS
• 2026-04-15 Price Changed $79,400 Beaches MLS
• 2026-03-12 Price Changed $79,500 Beaches MLS
• 2026-02-03 Price Changed $89,900 Beaches MLS
• 2026-01-06 Listed $94,500 Beaches MLS
• 2025-12-01 Listing Removed — Beaches MLS
• 2025-10-31 Price Changed $94,500 Beaches MLS
• 2025-07-16 Price Changed $100,000 Beaches MLS
• 2025-05-28 Listed $110,000 Beaches MLS
• 2023-02-02 Sold (MLS) $120,000 Beaches MLS
• 2022-12-09 Contingent — Beaches MLS
• 2022-11-28 Listed $120,000 Beaches MLS
• 1999-04-16 Sold (Public Records) $28,500 Public Records
• 1999-04-15 Sold (MLS) $28,500 Beaches MLS
• 1999-03-05 Listing Removed — Beaches MLS
• 1998-11-18 Listed $30,900 Beaches MLS

Property tax history

+46.9%/yr

Latest (2025): $2,208 · -10.0% YoY. Source: county tax records.