142 N Naranja Ave · River Park, FL 34983

$245,000

2 bd · 2.0 ba · 1,548 sqft · SingleFamily public records · 125 Days on market

Built 1975 0.29 ac lot Est $325k · 25% under

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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 +22.3/30.0
• ARV discount +15.0/15.0
• DSCR +7.1/10.0
• 1% rule +4.7/10.0
• Schools +3.7/10.0
• Livability +3.5/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

What a property! What a location! See the gorgeous waterfront homes across the street! This property needs your vision and creativity to make it shine. Enjoy both open & screened patios. Inside, you will have over 1500 sf with which to work; including a fireplace that's open to the dining room as well as the sunk-in living room. With 2 bedrooms, 2 bathrooms, a flex room and a Florida room, the possibilities await this property in every direction. Home boasts a 1-car garage with storage room and is close to shopping, worship, US1 and more. This is a Fannie Mae HomePath property. The Seller must comply with HUD Guidelines 24 CFR 206.125.

Key facts

• Screened patios
• Bonus room
• Waterfront homes

Tags

• WATERFRONT HOMES
• OPEN PATIOS
• SCREENED PATIOS
• FIREPLACE
• SUNK IN LIVING ROOM
• BONUS ROOM

Property features AI

Finance

• Other: Pets allowed with no restrictions

Exterior

• Parking: Attached 1-car garage; Driveway parking (total 2 parking spaces, 1 covered)
• Utilities: Public water available; Septic tank sewer; Three-phase electric; Water available
• Home design: Single-family residence; Single-story; North-facing
• Construction: Stucco and CBS construction; Other roof type; Resale property; Built with public-record building area of 2,831 and living area of 1,548
• Exterior features: No waterfront; no waterfront features

Interior

• Bedrooms: 2 bedrooms on the main level
• Flooring: Other flooring
• Bathrooms: 2 full bathrooms on the main level
• Interior features: Unfurnished; No notable interior features reported

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $245k.

Deal economics

• At list price, monthly cash flow is $404 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $237k (3.1% below list).
• Recommended offer: $216k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.3% vs local median 6.3% in River Park — 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 69/100 on livability (#451 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, commute A-; Watch: amenities F, employment F, health & safety D-.
• 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: Savanna Ridge Elementary School (math 40% / reading 45%, grade F, #1,383 of 2,144 statewide, top 65%, 452 students, 75% 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: Rents rising (+1.5%/yr); 358 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
• This rent runs 38% of the median local income ($75k/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 $2k of loan paydown is wiped out by about $7k 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.

Negotiation context

• It's been on market 125 days — a 12% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 8y 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 $61k; list at $245k implies a 302% 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→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $215,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 125 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.97% ✗
• Cap rate: 8.27%
• Cash-on-cash: 7.07%
• DSCR: 1.31
• GRM: 8.6

CMA / ARV

• ARV (on-the-fly): $325,080
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
192 NE Caprona Ave	0.07mi	3/2.0 (+1)	1,540 (-0%)	8mo	$345,000	$224	84
503 NE Solida Cir	0.18mi	3/2.0 (+1)	1,518 (-2%)	6mo	$380,000	$250	78
425 NE Electra Ave	0.18mi	3/2.0 (+1)	1,396 (-10%)	3mo	$300,000	$215	68
236 SE Prima Vista Blvd SE	0.52mi	3/2.0 (+1)	1,557 (+1%)	4mo	$310,000	$199	67
205 NE Ardsley Dr	0.35mi	2/2.0	1,729 (+12%)	4mo	$300,000	$174	61
417 SE Tranquilla Ave	0.18mi	3/2.0 (+1)	1,753 (+13%)	8mo	$340,000	$194	58
519 SE Brookside Ter	0.48mi	3/2.0 (+1)	1,620 (+5%)	11mo	$427,500	$264	56
315 NE Granduer Ave	0.72mi	3/2.0 (+1)	1,552 (+0%)	11mo	$421,990	$272	52
385 NE Solida Cir	0.42mi	2/2.0	1,365 (-12%)	11mo	$275,000	$201	52
264 NE Summer Rd	0.66mi	3/2.0 (+1)	1,452 (-6%)	6mo	$289,000	$199	49
453 SE Seabreeze Ln	0.65mi	3/2.0 (+1)	1,607 (+4%)	11mo	$337,000	$210	49
434 SE Sunnydale Ln	0.61mi	3/2.0 (+1)	1,734 (+12%)	2mo	$250,000	$144	44

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

Projected returns pro-forma

-3.0% appreciation · 1.53% rent growth · sell at horizon

5-year hold

• IRR: -7.0%
• Equity multiple: 0.74×
• Total profit: $-17,518
• Equity at exit: $36,530

10-year hold

• IRR: 0.8%
• Equity multiple: 1.05×
• Total profit: $3,697
• Equity at exit: $21,183

Cash invested: $68,600 (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 34983

• Home prices YoY: -33.9%
• Rents YoY: 1.5%
• Active inventory: 358
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $2,375 high
• Mortgage (P&I): −$1,285
• Tax from tax record: −$85 /mo · $1,020/yr
• Insurance: −$102
• HOA: −$0
• Vacancy / Maint / Mgmt: −$499
• Net cashflow: $404

Break-even live

Break-even rent $1,863

Max offer price $245,000

Occupancy floor 78%

Sensitivity live

Price	-10% $543	-5% $474	+0% $404	+5% $335	+10% $266
Rent	-10% $217	-5% $310	+0% $404	+5% $498	+10% $592
Rate	-1.0pp $528	-0.5pp $467	base $404	+0.5pp $341	+1.0pp $276

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: $61,250
• Closing costs: $7,350
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
400 NW Prima Vista Blvd Port St Lucie, FL	2.0	2.0	1566	$2,300	$1.47	24d	1	0.19mi
336 SE Tranquilla Ave Port Saint Lucie, FL	3.0	3.0	1412	$2,700	$1.91	14d	1	0.39mi
201 NE Midfield Ln Port Saint Lucie, FL	2.0	2.0	1389	$2,500	$1.80	24d	1	0.40mi
160 NE Bracken Rd Port Saint Lucie, FL	3.0	2.0	1166	$2,200	$1.89	22d	1	0.57mi
160 NE Bracken Rd Port Saint Lucie, FL	3.0	2.0	1166	$2,200	$1.89	24d	1	0.57mi
310 Shady Ln Port Saint Lucie, FL	3.0	2.0	2039	$2,800	$1.37	24d	1	0.69mi
216 NE Mainsail St Port Saint Lucie, FL	3.0	2.0	1516	$2,550	$1.68	22d	1	0.75mi
116 Prima Vista Blvd Unit A Port St. Lucie, FL	3.0	1.0	1314	$2,600	$1.98	24d	1	0.83mi
249 NE Glentry Ave Port Saint Lucie, FL	3.0	2.0	1563	$2,800	$1.79	24d	1	0.83mi
107 SE Lucero Dr Port Saint Lucie, FL	3.0	2.0	1326	$2,150	$1.62	22d	1	0.88mi
151 SE Castana Ct Port Saint Lucie, FL	3.0	2.0	1382	$2,500	$1.81	24d	1	0.91mi
730 SE White Ave Port Saint Lucie, FL	2.0	2.0	1386	$10,000	$7.22	24d	1	0.93mi
325 NW Ferris Dr Port Saint Lucie, FL	2.0	2.0	1100	$1,900	$1.73	14d	1	1.12mi
4 Lake Vista Trl #202 Port Saint Lucie, FL	2.0	2.0	1080	$1,700	$1.57	22d	1	1.18mi
154 SE Selva Ct Port Saint Lucie, FL	3.0	2.0	1503	$3,000	$2.00	24d	1	1.20mi
2 Lake Vista Trl #107 Port Saint Lucie, FL	2.0	2.0	1170	$1,850	$1.58	24d	1	1.21mi
762 SE River Ln Port Saint Lucie, FL	3.0	2.0	2032	$11,000	$5.41	24d	1	1.23mi
1 Lake Vista Trl #201 Port Saint Lucie, FL	2.0	2.0	1170	$1,800	$1.54	24d	1	1.26mi
805 SE Cavern Ave Port Saint Lucie, FL	3.0	2.0	1732	$2,500	$1.44	24d	1	1.27mi
7700 Pine Lakes Blvd Port Saint Lucie, FL	1.0–3.0	1.0–2.0	1022	$1,878	$1.84	14d	16	1.28mi
11 Lake Vista Trl #206 Port Saint Lucie, FL	2.0	2.0	1080	$1,400	$1.30	24d	1	1.32mi
642 SW Bolin Ct Port Saint Lucie, FL	3.0	2.0	1166	$2,150	$1.84	22d	1	1.33mi
385 NW Broadview St Port Saint Lucie, FL	2.0	2.0	1500	$2,300	$1.53	24d	1	1.35mi
14 Lake Vista Trl #101 Port Saint Lucie, FL	2.0	2.0	1170	$2,200	$1.88	24d	1	1.36mi
26 Lake Vista Trl #201 Port Saint Lucie, FL	2.0	2.0	1170	$1,500	$1.28	24d	1	1.38mi
160 SE Duxbury Ave Port Saint Lucie, FL	2.0	2.5	1521	$2,700	$1.78	24d	1	1.38mi
351 SW Buswell Ave Port Saint Lucie, FL	2.0	2.0	1234	$2,200	$1.78	14d	1	1.42mi
121 SE Juper Ave Port Saint Lucie, FL	2.0	2.0	1450	$2,500	$1.72	24d	1	1.48mi

Listing history 33 events

1. 2026-06-18
   days on market $245,000 Active 125 DOM
2. 2026-06-17
   days on market $245,000 Active 124 DOM
3. 2026-06-16
   days on market $245,000 Active 123 DOM
4. 2026-06-15
   days on market $245,000 Active 122 DOM
5. 2026-06-14
   days on market $245,000 Active 120 DOM
6. 2026-06-13
   days on market $245,000 Active 119 DOM
7. 2026-06-10
   days on market $245,000 Active 117 DOM
8. 2026-06-09
   days on market $245,000 Active 116 DOM
9. 2026-06-08
   days on market $245,000 Active 115 DOM
10. 2026-06-07
    days on market $245,000 Active 114 DOM
11. 2026-06-05
    days on market $245,000 Active 111 DOM
12. 2026-06-03
    days on market $245,000 Active 110 DOM
13. 2026-06-02
    days on market $245,000 Active 109 DOM
14. 2026-06-01
    days on market $245,000 Active 108 DOM
15. 2026-05-31
    days on market $245,000 Active 107 DOM
16. 2026-05-30
    days on market $245,000 Active 106 DOM
17. 2026-02-12
    listed $245,000 Active
18. 2022-09-24
    status Pending
19. 2022-09-23
    historical
20. 2022-09-14
    price $300,000
21. 2022-09-09
    price $320,000
22. 2022-09-01
    price $300,000
23. 2022-08-18
    price $320,000
24. 2022-07-12
    status Active
25. 2022-07-09
    status Pending
26. 2022-06-27
    price $325,000
27. 2022-05-05
    listed $330,000 Active
28. 2018-06-26
    historical
29. 2018-04-24
    price $207,000
30. 2018-04-23
    price $205,000
31. 2018-04-09
    price $217,500
32. 2018-03-27
    listed $220,000 Active
33. 1995-09-06
    soldstatus $61,000

ⓘ 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: $1,020 · $85/mo
• Projected year-2 tax: $2,034 · $169/mo
• Expected delta: +$1,013/yr (+$84/mo · 99.3%)

ⓘ 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 · 24 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: $28,498
• − Mortgage interest: −$13,724
• − Property taxes: −$1,020
• − Insurance: −$1,225
• − Repairs & maintenance: −$2,280
• − Management: −$2,280
• − Depreciation: −$7,127
• Taxable income: $842
• Est. tax owed @ 24.0%: −$202
• After-tax cash flow: $4,648/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 — River Park

• Score: 69/100
• State rank: #451
• US rank: #8159

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: River Park, FL
• County: Saint Lucie County · 337,150 people
• Metro: Port St. Lucie, FL
• Population (ZIP): 49,001
• Household income: $75,489
• Rent vs Own: 15.2% rent · 84.8% own
• Severe rent burden: 843.0

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: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 51% Hispanic / Latino 23% Black 18% Two or more races 13% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 9% Cuban 3%
• Common ancestry: Hispanic 3% Romanian 2% Italian 1%
• Foreign-born: 19% · Canada, Guatemala, Jamaica
• Languages at home: 74% English-only · Spanish 15% French/Haitian/Cajun 4% Other Indo-European 2%

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: ▼ -209.28%
• Current HPI: 407.6341
• Rent YoY: ▲ 1.53%
• 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

+301.6% since first listed

17 events — show timeline

• 2026-02-12 Listed $245,000 Beaches MLS
• 2022-09-24 Pending — Beaches MLS
• 2022-09-23 Listing Removed — Beaches MLS
• 2022-09-14 Price Changed $300,000 Beaches MLS
• 2022-09-09 Price Changed $320,000 Beaches MLS
• 2022-09-01 Price Changed $300,000 Beaches MLS
• 2022-08-18 Price Changed $320,000 Beaches MLS
• 2022-07-12 Relisted — Beaches MLS
• 2022-07-09 Pending — Beaches MLS
• 2022-06-27 Price Changed $325,000 Beaches MLS
• 2022-05-05 Listed $330,000 Beaches MLS
• 2018-06-26 Listing Removed — Beaches MLS
• 2018-04-24 Price Changed $207,000 Beaches MLS
• 2018-04-23 Price Changed $205,000 Beaches MLS
• 2018-04-09 Price Changed $217,500 Beaches MLS
• 2018-03-27 Listed $220,000 Beaches MLS
• 1995-09-06 Sold (Public Records) $61,000 Public Records

Property tax history

+4.0%/yr

Latest (2025): $1,020 · +13.3% YoY. Source: county tax records.