178 Jones Creek Dr · Jupiter, FL 33458

$5,000

4 bd · 3.0 ba · 2,444 sqft · SingleFamily public records · 12 Days on market

Built 1998 7,405 sqft lot

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Why this score? — see what drove the F 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).

• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• Rent growth +3.0/5.0
• Cash flow +2.6/30.0
• Condition / age +2.5/5.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0
• Appreciation +0.0/10.0

Listing remarks

Foreclosure Auction Ends June 8, 2026 at 10:00 AM EST. Explore this charming 4-bedroom, 3-bath residence set in a peaceful and well-located Jupiter community. The list price is the opening bid for the online auction. Sold As-is. Explore more details and submit your bid through Federa Home App.

Key facts

• 7,405 sq ft lot
• Garage
• Built 1998

Property features AI

Finance

• Other: Pets: other (see remarks); Rentals not allowed; No deed restrictions
• Financial info: Property is listed as auction
• HOA & community: No HOA fee; Association does not have first right of refusal; Association fee includes: other

Exterior

• Parking: Attached garage
• Utilities: Utilities: other (see remarks)
• Home design: Single-family property (Other subdivision); Built in 1998; Less than 1/4 acre lot; Zoning: Other
• Construction: Other construction; Not built above flood
• Exterior features: Not waterfront / no waterview; Dockage: other dockage

Interior

• Bedrooms: 4 bedrooms
• Bathrooms: 3 full bathrooms
• Interior features: Other appliances included (see remarks)

🔨 Auction listing. The $5,000 list price is a nominal opening bid, not a real ask — every metric below is computed on the estimated value $1,102,244 (ARV from comps), not the list price.

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $-4k ($-46k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($5k rent vs $5k).

Location & tenants

• Location reads 70/100 on livability (#415 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.
• Market conditions: Rents rising (+1.9%/yr); 321 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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 $4,839/mo this rent would consume 53% of the median local household income ($110k/yr) (locally 1458% 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 $8k of loan paydown is wiped out by about $33k 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

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts 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.

Risks & watch-outs

• Watch-outs: property tax is 330.7% of price.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $5,000

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-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?
5. 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?
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: 0.44% ✗
• Cap rate: 2.16%
• Cash-on-cash: -14.75%
• DSCR: 0.34
• GRM: 19.0

CMA / ARV

• ARV (on-the-fly): $1,102,244
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
163 Bayberry Cir	0.64mi	4/2.0	2,106 (-14%)	17mo	$949,900	$451	29

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 · 1.86% rent growth · sell at horizon

5-year hold

• IRR: -45.7%
• Equity multiple: -0.38×
• Total profit: $-425,692
• Equity at exit: $164,348

10-year hold

• IRR: -91.9%
• Equity multiple: -1.28×
• Total profit: $-703,583
• Equity at exit: $95,302

Cash invested: $308,628 (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 33458

• Rents YoY: 1.9%
• Active inventory: 321
• Price-to-rent: 0.1×

Monthly cashflow live

• Estimated rent: $4,839 high
• Mortgage (P&I): −$5,780
• Tax est. 1.5%: −$1,378 /mo · $16,534/yr
• Insurance: −$459
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,016
• Net cashflow: $-3,794

Break-even live

Break-even rent $9,642

Max offer price $553,192

Occupancy floor —

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: $275,561
• Closing costs: $33,067
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
102 Via Santa Cruz Jupiter, FL	4.0	4.0	2837	$7,500	$2.64	24d	1	0.74mi
117 Hampton Cir Jupiter, FL	3.0	2.0	1975	$4,600	$2.33	5d	1	0.80mi
249 Hampton Pl Jupiter, FL	3.0	2.0	1975	$4,500	$2.28	24d	1	0.85mi
244 Hampton Pl Jupiter, FL	3.0	2.0	1975	$4,250	$2.15	2d	1	0.87mi
114 Owl Pointe Cir Jupiter, FL	3.0	2.5	1966	$4,200	$2.14	4d	1	0.88mi
65 Maplecrest Cir Jupiter, FL	3.0	2.5	1620	$2,400	$1.48	24d	1	0.98mi
144 Pennock Landing Cir Jupiter, FL	4.0	3.0	1736	$4,499	$2.59	24d	1	0.98mi
149 Cypress Cv Jupiter, FL	3.0	2.0	1701	$4,200	$2.47	8d	1	1.00mi
516 E Whitney Dr Jupiter, FL	4.0	2.0	1642	$6,000	$3.65	24d	1	1.02mi
1345 Bourne Dr Jupiter, FL	3.0	2.0	1872	$5,500	$2.94	24d	1	1.20mi
2577 E Community Dr Unit 2577 Jupiter, FL	3.0	2.5	2022	$6,000	$2.97	24d	1	1.21mi
184 W Bay Cedar Cir Jupiter, FL	3.0	2.5	1914	$5,399	$2.82	19d	1	1.27mi
184 W Bay Cedar Cir Jupiter, FL	3.0	2.5	1914	$4,999	$2.61	24d	1	1.27mi
2625 E Community Dr Jupiter, FL	4.0	3.0	2612	$7,500	$2.87	5d	1	1.28mi
1180 Turnbridge Dr Jupiter, FL	3.0	2.5	1890	$4,150	$2.20	8d	1	1.36mi
1240 Turnbridge Dr Jupiter, FL	3.0	2.5	1601	$3,300	$2.06	21d	1	1.36mi
1240 Turnbridge Dr Jupiter, FL	3.0	2.5	1601	$3,300	$2.06	24d	1	1.36mi
141 E Thatch Palm Cir Jupiter, FL	3.0	2.5	1751	$3,100	$1.77	18d	1	1.37mi
127 Arklow Ave Jupiter, FL	3.0	3.5	2075	$8,000	$3.86	24d	1	1.40mi
16050 W Bay Dr #151 Jupiter, FL	3.0	2.0	1724	$7,500	$4.35	24d	1	1.40mi
18150 Perigon Way Jupiter, FL	3.0	3.0	1908	$12,000	$6.29	24d	1	1.41mi
5585 Pennock Point Rd Jupiter, FL	3.0	2.0	1846	$5,500	$2.98	15d	1	1.41mi
1258 Dakota Dr Jupiter, FL	3.0	2.5	1890	$1,850	$0.98	18d	1	1.43mi
147 Mulligan Pl Jupiter, FL	3.0	2.5	1822	$3,650	$2.00	24d	1	1.45mi
753 Dakota Dr Unit 753 Jupiter, FL	3.0	2.5	1822	$3,800	$2.09	5d	1	1.46mi
150 Lismore Ln Jupiter, FL	3.0	2.5	1822	$4,000	$2.20	8d	1	1.46mi
356 W Thatch Palm Cir #106 Jupiter, FL	4.0	2.5	1897	$3,650	$1.92	24d	1	1.47mi

Listing history 9 events

1. 2026-06-07
   days on market $5,000 Active 12 DOM
2. 2026-06-04
   days on market $5,000 Active 9 DOM
3. 2026-06-03
   days on market $5,000 Active 8 DOM
4. 2026-06-02
   days on market $5,000 Active 7 DOM
5. 2026-06-01
   days on market $5,000 Active 6 DOM
6. 2026-05-31
   days on market $5,000 Active 5 DOM
7. 2026-05-26
   listed $5,000 Active
8. 2026-02-09
   historical
9. 2026-01-28
   listed $5,000 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 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 · 23 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $58,071
• − Mortgage interest: −$61,743
• − Property taxes: −$16,534
• − Insurance: −$5,511
• − Repairs & maintenance: −$4,646
• − Management: −$4,646
• − Depreciation: −$32,065
• Taxable loss: −$67,074
• Est. tax savings @ 24.0%: +$16,098
• After-tax cash flow: $-29,435/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 — Jupiter

• Score: 70/100
• State rank: #415
• US rank: #7386

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: Jupiter, FL
• County: Palm Beach County · 1,438,312 people
• City population: 68,420
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 55,512
• Household income: $109,729
• Rent vs Own: 25.1% rent · 74.9% own
• Severe rent burden: 1458.0

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 21% Two or more races 14% Black 3% Asian 2%
• Hispanic origin (detail): Mexican 6% Puerto Rican 3% Cuban 2%
• Common ancestry: Romanian 3% Lithuanian 2% Iranian 2%
• Foreign-born: 17% · Canada, Jamaica, China
• Languages at home: 78% English-only · Spanish 16% Other Indo-European 3% German/W. Germanic 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: ▼ -277.55%
• Current HPI: 376.5
• Rent YoY: ▲ 1.86%
• 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

+0.0% since first listed

3 events — show timeline

• 2026-05-26 Listed $5,000 FLKMLS
• 2026-02-09 Listing Removed — FLKMLS
• 2026-01-28 Listed $5,000 FLKMLS

Property tax history

+1.2%/yr

Latest (2025): $5,016 · +3.3% YoY. Source: county tax records.