725 58th St · West Palm Beach, FL 33407

$320,777

3 bd · 1.0 ba · 907 sqft · SingleFamily public records · 162 Days on market

Built 1956 4,637 sqft lot

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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 +18.8/30.0
• ARV discount +7.5/15.0
• DSCR +5.9/10.0
• 1% rule +4.9/10.0
• Schools +4.3/10.0
• Livability +4.1/5.0
• Rent growth +3.3/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This beautiful house has the most desirable upgrades you will find, including, Impact windows & New water heater and a/c 2019, New kitchen cabinet with new SS appliance, new wood floor thru out the house, Freshly paint interior and exterior, large backyard ready for your pets! This home is walking distance to the intercoastal and Manatee Lagoon. Port of Palm Beach w/ water taxi access to Peanut Island is within five minutes as well as the Singer Island Beach. A great location 10 minutes from downtown. Accepting backup offers.

Key facts

• 4,637 sq ft lot
• Built 1956
• Listed 161 days

Property features AI

Finance

• Financial info: Pets allowed (with breed restrictions)
• HOA & community: No association amenities listed

Exterior

• Utilities: Public water; Public sewer; Sewer and water available
• Home design: Single family residence; One story; South-facing
• Construction: Block and concrete construction; Composition/shingle roof; Built area reported as 1,101 total; living area reported as 907
• Exterior features: Not on waterfront; No waterfront features

Interior

• Bedrooms: One bedroom on the main level
• Flooring: Vinyl flooring
• Bathrooms: One full bathroom
• Heating & cooling: Central heating; Ceiling fan(s) for cooling
• Interior features: Unfurnished; No notable built-in interior features listed

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $321k.

Deal economics

• At list price, monthly cash flow is $256 ($3k/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 $317k (1.3% below list).
• Recommended offer: $282k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.5% vs local median 3.8% in West Palm Beach — 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 82/100 on livability (#75 in FL, #1,255 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+; Watch: employment C-, crime 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: West Riviera Elementary School (math 26% / reading 22%, grade F, #2,057 of 2,144 statewide, top 96%, 487 students, 83% FRL); John F. Kennedy Middle School (math 28% / reading 29%, grade F, #482 of 571 statewide, top 85%, 826 students, 78% 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 77% FRL vs 52% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 25% at this address vs 50% district-wide (-25 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 rising (+3.1%/yr); 306 active listings in the ZIP; 8 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).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k 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 162 days — a 12% lower offer ($282k) is reasonable based on typical stale-listing flexibility.
• 12 sale attempts since 21y 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 $250k; 28% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: major flood risk; 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 $282,283 (12.0% below list)

Questions for the listing agent

1. It's been on market 162 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 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Crime grade is F 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?
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: 0.99% ✗
• Cap rate: 7.50%
• Cash-on-cash: 4.31%
• DSCR: 1.19
• GRM: 8.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.08% rent growth · sell at horizon

5-year hold

• IRR: -10.8%
• Equity multiple: 0.61×
• Total profit: $-35,363
• Equity at exit: $47,829

10-year hold

• IRR: -1.4%
• Equity multiple: 0.91×
• Total profit: $-8,496
• Equity at exit: $27,735

Cash invested: $89,818 (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 33407

• Rents YoY: 3.1%
• Active inventory: 306
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $3,166 high
• Mortgage (P&I): −$1,682
• Tax from tax record: −$363 /mo · $4,351/yr
• Insurance: −$134
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$665
• Net cashflow: $256

Break-even live

Break-even rent $2,842

Max offer price $320,777

Occupancy floor 87%

Sensitivity live

Price	-10% $437	-5% $347	+0% $256	+5% $165	+10% $74
Rent	-10% $6	-5% $131	+0% $256	+5% $381	+10% $506
Rate	-1.0pp $417	-0.5pp $337	base $256	+0.5pp $173	+1.0pp $88

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: $80,194
• Closing costs: $9,623
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
522 W 2nd St Riviera Beach, FL	3.0	1.0	900	$2,895	$3.22	25d	1	0.23mi
436 51st St West Palm Beach, FL	2.0	1.0	968	$3,750	$3.87	25d	1	0.48mi
401 42nd St West Palm Beach, FL	3.0	1.0	1100	$4,950	$4.50	25d	1	0.90mi
158 E 23rd St Riviera Beach, FL	2.0	2.0	1110	$2,900	$2.61	23d	1	1.32mi
158 E 23rd St Riviera Beach, FL	2.0	2.0	1110	$2,900	$2.61	25d	1	1.32mi
256 E 24th St Riviera Beach, FL	2.0	1.0	660	$3,500	$5.30	22d	1	1.40mi
932 31st St West Palm Beach, FL	3.0	2.0	850	$3,000	$3.53	25d	1	1.46mi
933 30th Ct West Palm Beach, FL	3.0	1.5	1085	$3,100	$2.86	25d	1	1.48mi

Listing history 48 events

1. 2026-06-21
   days on market $320,777 Active 162 DOM
2. 2026-06-18
   days on market $320,777 Active 159 DOM
3. 2026-06-17
   days on market $320,777 Active 158 DOM
4. 2026-06-16
   days on market $320,777 Active 157 DOM
5. 2026-06-15
   days on market $320,777 Active 156 DOM
6. 2026-06-13
   days on market $320,777 Active 154 DOM
7. 2026-06-09
   days on market $320,777 Active 150 DOM
8. 2026-06-07
   days on market $320,777 Active 148 DOM
9. 2026-06-04
   days on market $320,777 Active 145 DOM
10. 2026-06-03
    days on market $320,777 Active 144 DOM
11. 2026-06-01
    days on market $320,777 Active 142 DOM
12. 2026-05-31
    days on market $320,777 Active 141 DOM
13. 2026-01-08
    listed $320,777 Active
14. 2021-11-15
    soldstatus $250,000 Closed 537-char remark

    Show marketing remark (537 chars)

    This beautiful house has the most desirable upgrades you will find, including, Impact windows & New water heater and a/c 2019, New kitchen cabinet with new SS appliance, new wood floor thru out the house, Freshly paint interior and exterior, large backyard ready for your pets! This home is walking distance to the intercoastal and Manatee Lagoon. Port of Palm Beach w/ water taxi access to Peanut Island is within five minutes as well as the Singer Island Beach. A great location 10 minutes from downtown. Accepting backup offers.

15. 2021-10-26
    historical Active Under Contract 537-char remark

    Show marketing remark (537 chars)

    This beautiful house has the most desirable upgrades you will find, including, Impact windows & New water heater and a/c 2019, New kitchen cabinet with new SS appliance, new wood floor thru out the house, Freshly paint interior and exterior, large backyard ready for your pets! This home is walking distance to the intercoastal and Manatee Lagoon. Port of Palm Beach w/ water taxi access to Peanut Island is within five minutes as well as the Singer Island Beach. A great location 10 minutes from downtown. Accepting backup offers.

16. 2021-10-19
    status Active 537-char remark

    Show marketing remark (537 chars)

    This beautiful house has the most desirable upgrades you will find, including, Impact windows & New water heater and a/c 2019, New kitchen cabinet with new SS appliance, new wood floor thru out the house, Freshly paint interior and exterior, large backyard ready for your pets! This home is walking distance to the intercoastal and Manatee Lagoon. Port of Palm Beach w/ water taxi access to Peanut Island is within five minutes as well as the Singer Island Beach. A great location 10 minutes from downtown. Accepting backup offers.

17. 2021-10-17
    status Pending 537-char remark

    Show marketing remark (537 chars)

    This beautiful house has the most desirable upgrades you will find, including, Impact windows & New water heater and a/c 2019, New kitchen cabinet with new SS appliance, new wood floor thru out the house, Freshly paint interior and exterior, large backyard ready for your pets! This home is walking distance to the intercoastal and Manatee Lagoon. Port of Palm Beach w/ water taxi access to Peanut Island is within five minutes as well as the Singer Island Beach. A great location 10 minutes from downtown. Accepting backup offers.

18. 2021-10-05
    historical

    Show marketing remark (537 chars)

    This beautiful house has the most desirable upgrades you will find, including, Impact windows & New water heater and a/c 2019, New kitchen cabinet with new SS appliance, new wood floor thru out the house, Freshly paint interior and exterior, large backyard ready for your pets! This home is walking distance to the intercoastal and Manatee Lagoon. Port of Palm Beach w/ water taxi access to Peanut Island is within five minutes as well as the Singer Island Beach. A great location 10 minutes from downtown. Accepting backup offers.

19. 2021-10-05
    listed $245,000 Active

    Show marketing remark (537 chars)

    This beautiful house has the most desirable upgrades you will find, including, Impact windows & New water heater and a/c 2019, New kitchen cabinet with new SS appliance, new wood floor thru out the house, Freshly paint interior and exterior, large backyard ready for your pets! This home is walking distance to the intercoastal and Manatee Lagoon. Port of Palm Beach w/ water taxi access to Peanut Island is within five minutes as well as the Singer Island Beach. A great location 10 minutes from downtown. Accepting backup offers.

20. 2021-10-05
    listed $245,000 Active 537-char remark

    Show marketing remark (537 chars)

    This beautiful house has the most desirable upgrades you will find, including, Impact windows & New water heater and a/c 2019, New kitchen cabinet with new SS appliance, new wood floor thru out the house, Freshly paint interior and exterior, large backyard ready for your pets! This home is walking distance to the intercoastal and Manatee Lagoon. Port of Palm Beach w/ water taxi access to Peanut Island is within five minutes as well as the Singer Island Beach. A great location 10 minutes from downtown. Accepting backup offers.

21. 2021-09-21
    historical
22. 2016-04-15
    soldstatus $75,000 Closed
23. 2016-04-13
    status Pending
24. 2016-03-31
    historical Contingent
25. 2016-03-05
    status Active
26. 2016-02-09
    historical Active Under Contract
27. 2016-02-02
    price $79,500
28. 2016-01-27
    listed $82,000 Active
29. 2014-06-16
    historical
30. 2014-06-16
    price $75,000
31. 2014-05-30
    listed $79,000 Active
32. 2014-03-05
    historical
33. 2014-02-19
    price $69,000
34. 2014-02-10
    price $76,500
35. 2014-01-23
    listed $79,900 Active
36. 2011-11-10
    historical
37. 2011-09-22
    listed $49,900
38. 2011-09-07
    soldstatus $80,000
39. 2009-10-30
    soldstatus $37,000
40. 2009-10-14
    historical
41. 2009-09-01
    listed $39,000
42. 2008-12-04
    historical
43. 2008-06-19
    listed $110,000
44. 2005-05-03
    soldstatus $123,000
45. 2005-05-02
    soldstatus $123,000
46. 2005-04-18
    historical
47. 2005-01-20
    listed $137,900
48. 1987-09-01
    soldstatus $20,000

ⓘ 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: $4,351 · $363/mo
• Projected year-2 tax: $4,351 · $363/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 7/10 Severe FEMA zone X (unshaded) · 77% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°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 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $37,986
• − Mortgage interest: −$17,968
• − Property taxes: −$4,351
• − Insurance: −$2,401
• − Repairs & maintenance: −$3,039
• − Management: −$3,039
• − Depreciation: −$9,332
• Taxable loss: −$2,144
• Est. tax savings @ 24.0%: +$515
• After-tax cash flow: $3,585/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 — West Palm Beach

• Score: 82/100
• State rank: #75
• US rank: #1255

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: West Palm Beach, FL
• County: Palm Beach County · 1,438,312 people
• City population: 222,012
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 34,851
• Household income: $59,993
• Rent vs Own: 49.0% rent · 51.0% own
• Severe rent burden: 2157.0

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 0.62)
• Race & ethnicity: Black 54% White 21% Hispanic / Latino 20% Two or more races 13% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2% Cuban 2%
• Common ancestry: Hispanic 8% Lithuanian 1% Romanian 1%
• Foreign-born: 26% · Canada, Vietnam, Jamaica
• Languages at home: 72% English-only · Spanish 17% French/Haitian/Cajun 8% Other Indo-European 1%

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: ▼ -299.26%
• Current HPI: 363.3995
• Rent YoY: ▲ 3.08%
• 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

+1503.9% since first listed

36 events — show timeline

• 2026-01-08 Listed $320,777 Beaches MLS
• 2021-11-15 Sold (MLS) $250,000 Beaches MLS
• 2021-10-26 Contingent — Beaches MLS
• 2021-10-19 Relisted — Beaches MLS
• 2021-10-17 Pending — Beaches MLS
• 2021-10-05 Listing Removed — Beaches MLS
• 2021-10-05 Listed $245,000 Beaches MLS
• 2021-10-05 Listed $245,000 Beaches MLS
• 2021-09-21 Coming Soon — Beaches MLS
• 2016-04-15 Sold (MLS) $75,000 Beaches MLS
• 2016-04-13 Pending — Beaches MLS
• 2016-03-31 Contingent — Beaches MLS
• 2016-03-05 Relisted — Beaches MLS
• 2016-02-09 Contingent — Beaches MLS
• 2016-02-02 Price Changed $79,500 Beaches MLS
• 2016-01-27 Listed $82,000 Beaches MLS
• 2014-06-16 Price Changed $75,000 Beaches MLS
• 2014-06-16 Listing Removed — Beaches MLS
• 2014-05-30 Listed $79,000 Beaches MLS
• 2014-03-05 Listing Removed — Beaches MLS
• 2014-02-19 Price Changed $69,000 Beaches MLS
• 2014-02-10 Price Changed $76,500 Beaches MLS
• 2014-01-23 Listed $79,900 Beaches MLS
• 2011-11-10 Listing Removed — Beaches MLS
• 2011-09-22 Listed $49,900 Beaches MLS
• 2011-09-07 Sold (Public Records) $80,000 Public Records
• 2009-10-30 Sold (MLS) $37,000 Beaches MLS
• 2009-10-14 Listing Removed — Beaches MLS
• 2009-09-01 Listed $39,000 Beaches MLS
• 2008-12-04 Listing Removed — Beaches MLS
• 2008-06-19 Listed $110,000 Beaches MLS
• 2005-05-03 Sold (Public Records) $123,000 Public Records
• 2005-05-02 Sold (MLS) $123,000 Beaches MLS
• 2005-04-18 Listing Removed — Beaches MLS
• 2005-01-20 Listed $137,900 Beaches MLS
• 1987-09-01 Sold (Public Records) $20,000 Public Records

Property tax history

+8.3%/yr

Latest (2025): $4,351 · +1.4% YoY. Source: county tax records.