14717 11th Ter · Loxahatchee Groves, FL 33470

$1,049,000

3 bd · 3.5 ba · 3,176 sqft · SingleFamily public records · 94 Days on market

Built 2007 1.84 ac lot

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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 +13.7/30.0
• ARV discount +7.5/15.0
• Rent growth +4.4/5.0
• Schools +4.3/10.0
• DSCR +4.1/10.0
• Livability +3.3/5.0
• 1% rule +2.9/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Situated on a private 1.84-acre gated lot, this spacious 4-bedroom + loft/optional 5th bedroom, 3.5-bath home offers the perfect blend of functionality, flexibility, and outdoor living. Inside, the home features an open and expansive layout with multiple living areas, a dedicated entertainment space, and a large kitchen that flows seamlessly into the main living area, ideal for both everyday living and hosting. The additional loft provides flexibility for a home office, guest space, or 5th bedroom. Step outside to a screened-in pool and patio overlooking the property's private pond and newly updated dock (2025), creating a peaceful and private setting. The property is equipped for a variety

Key facts

• Private lot
• Small pool bar
• Separate garage

Tags

• PRIVATE LOT
• SEPARATE GARAGE
• SMALL POOL BAR
• FULLY FENCED PROPERTY
• ELECTRIC GATES

Property features AI

Finance

• Other: Pets allowed with no restrictions

Exterior

• Parking: Detached garage; Two garage spaces; Two covered parking spaces; Circular driveway; Gravel driveway; RV access/parking
• Security: Security fence
• Utilities: Well water; Septic tank; Three-phase electric service; Cable available; Water available
• Home design: Single family residence; Two-story home; Entry level living area
• Construction: Built with CBS construction; Shingle roof; Block foundation; Resale condition
• Exterior features: Covered patio; Screened patio; Patio; Fenced yard with gate; Private in-ground pool; Garage(s), shed(s), storage and workshop on site; Cul-de-sac location; Corner oversized lot; Gravel road surface; Property faces south; Horse amenities including stall(s) and trailer storage; Waterfront

Interior

• Kitchen: Dishwasher; Gas range; Microwave; Refrigerator
• Bedrooms: Four bedrooms on the main level
• Flooring: Carpet; Tile
• Bathrooms: Three full bathrooms; One half bathroom
• Heating & cooling: Central heating (electric); Central air (electric); Ceiling fans
• Interior features: Entrance foyer; Kitchen island; Vaulted ceilings; Wet bar; Walk-in closets; Split bedroom layout; Closet cabinetry; Upstairs living area; Cabana bath
• Laundry & utility: Indoor laundry room with sink

What this means for you Summary

Snapshot

• This is a 3-bed/3.5-bath single-family listed at $1.05M.

Deal economics

• At list price, monthly cash flow is $79 ($954/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 $832k (20.7% below list).
• Recommended offer: $832k (20.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#595 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.
• Zoned schools: Loxahatchee Groves Elementary (math 65% / reading 58%, grade B, #634 of 2,144 statewide, top 30%, 653 students, 53% FRL); Osceola Creek Middle School (math 53% / reading 54%, grade C+, #205 of 571 statewide, top 36%, 835 students, 41% FRL); Seminole Ridge Community High School (math 36% / reading 56%, grade D-, #220 of 667 statewide, top 33%, 2,262 students, 36% FRL).
• Market conditions: Rents rising fast (+7.7%/yr); 597 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 13d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 3,974 units permitted in Palm Beach County in 2024 (1,012 in 5+ unit buildings).
• At $8,322/mo this rent would consume 82% of the median local household income ($122k/yr) (locally 43% 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 $7k of loan paydown is wiped out by about $31k 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 94 days — a 9% lower offer ($955k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $150k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $55k; list at $1.05M implies a 1807% 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→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $832,218 (20.7% below list)

Questions for the listing agent

1. It's been on market 94 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 0.79% ✗
• Cap rate: 6.38%
• Cash-on-cash: 0.32%
• DSCR: 1.01
• GRM: 10.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 7.68% rent growth · sell at horizon

5-year hold

• IRR: -11.2%
• Equity multiple: 0.58×
• Total profit: $-124,221
• Equity at exit: $156,409

10-year hold

• IRR: 3.3%
• Equity multiple: 1.28×
• Total profit: $82,493
• Equity at exit: $90,698

Cash invested: $293,720 (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 33470

• Home prices YoY: -23.3%
• Rents YoY: 7.7%
• Active inventory: 597
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $8,322 medium
• Mortgage (P&I): −$5,501
• Tax from tax record: −$557 /mo · $6,682/yr
• Insurance: −$437
• HOA: −$0
• Vacancy / Maint / Mgmt: −$1,748
• Net cashflow: $79

Break-even live

Break-even rent $8,222

Max offer price $1,049,000

Occupancy floor 94%

Sensitivity live

Price	-10% $673	-5% $376	+0% $79	+5% $-217	+10% $-514
Rent	-10% $-578	-5% $-249	+0% $79	+5% $408	+10% $737
Rate	-1.0pp $608	-0.5pp $346	base $79	+0.5pp $-192	+1.0pp $-469

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: $262,250
• Closing costs: $31,470
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14780 Horseshoe Trce Wellington, FL	4.0	4.0	3333	$14,750	$4.43	12d	1	1.17mi
15073 Oak Chase Ct Wellington, FL	4.0	2.5	2490	$5,500	$2.21	19d	1	1.25mi
15515 Whispering Willow Dr Wellington, FL	4.0	3.0	2547	$7,250	$2.85	0d	1	1.28mi

Listing history 24 events

1. 2026-06-21
   pricedays on market $1,049,000 Active 94 DOM
2. 2026-06-18
   days on market $1,159,000 Active 91 DOM
3. 2026-06-17
   days on market $1,159,000 Active 90 DOM
4. 2026-06-16
   days on market $1,159,000 Active 89 DOM
5. 2026-06-15
   days on market $1,159,000 Active 88 DOM
6. 2026-06-13
   days on market $1,159,000 Active 86 DOM
7. 2026-06-09
   days on market $1,159,000 Active 82 DOM
8. 2026-06-08
   days on market $1,159,000 Active 81 DOM
9. 2026-06-07
   days on market $1,159,000 Active 80 DOM
10. 2026-06-04
    days on market $1,159,000 Active 77 DOM
11. 2026-06-03
    days on market $1,159,000 Active 76 DOM
12. 2026-06-02
    days on market $1,159,000 Active 75 DOM
13. 2026-06-01
    days on market $1,159,000 Active 74 DOM
14. 2026-05-31
    days on market $1,159,000 Active 73 DOM
15. 2026-04-29
    price $1,179,000
16. 2026-03-19
    listed $1,199,000 Active
17. 2025-09-08
    historical
18. 2025-08-11
    listed $1,275,000 Active
19. 2025-08-07
    historical
20. 2025-07-09
    historical
21. 2025-05-12
    price $1,275,000
22. 2025-05-07
    price $1,399,000
23. 2025-02-04
    listed $1,499,000 Active
24. 2002-06-26
    soldstatus $55,000

ⓘ 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: $6,682 · $557/mo
• Projected year-2 tax: $8,707 · $726/mo
• Expected delta: +$2,024/yr (+$169/mo · 30.3%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $99,866
• − Mortgage interest: −$58,760
• − Property taxes: −$6,682
• − Insurance: −$5,245
• − Repairs & maintenance: −$7,989
• − Management: −$7,989
• − Depreciation: −$30,516
• Taxable loss: −$17,317
• Est. tax savings @ 24.0%: +$4,156
• After-tax cash flow: $5,110/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 — Loxahatchee Groves

• Score: 66/100
• State rank: #595
• US rank: #11412

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: Loxahatchee Groves, FL
• County: Palm Beach County · 1,438,312 people
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 35,610
• Household income: $122,163
• Rent vs Own: 5.4% rent · 94.6% own
• Severe rent burden: 43.0

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 0.58)
• Race & ethnicity: White 59% Hispanic / Latino 24% Two or more races 16% Black 10% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 5% Cuban 6% Dominican 2%
• Common ancestry: Lithuanian 3% Romanian 2% Italian 2%
• Foreign-born: 19% · Canada, Jamaica
• Languages at home: 77% English-only · Spanish 18% French/Haitian/Cajun 2% 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: ▼ -124.68%
• Current HPI: 410.2689
• Rent YoY: ▲ 7.68%
• 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

+2043.6% since first listed

10 events — show timeline

• 2026-04-29 Price Changed $1,179,000 Beaches MLS
• 2026-03-19 Listed $1,199,000 Beaches MLS
• 2025-09-08 Listing Removed — Beaches MLS
• 2025-08-11 Listed $1,275,000 Beaches MLS
• 2025-08-07 Coming Soon — Beaches MLS
• 2025-07-09 Listing Removed — Beaches MLS
• 2025-05-12 Price Changed $1,275,000 Beaches MLS
• 2025-05-07 Price Changed $1,399,000 Beaches MLS
• 2025-02-04 Listed $1,499,000 Beaches MLS
• 2002-06-26 Sold (Public Records) $55,000 Public Records

Property tax history

+1.2%/yr

Latest (2025): $6,682 · +4.5% YoY. Source: county tax records.