903 SE Camelot Gardens Blvd SE · Port St. Lucie, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 25 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
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 +17.4/30.0
- ARV discount +15.0/15.0
- 1% rule +8.6/10.0
- DSCR +5.4/10.0
- Schools +4.0/10.0
- Condition / age +4.0/5.0
- Rent growth +3.0/5.0
- Livability +2.5/5.0
- Appreciation +0.0/10.0
$190,000
903 SE Camelot Gardens Blvd SE · Port St. Lucie, FL 34952
3 bd · 2.5 ba · 1,688 sqft · Townhouse
· 98 Days on market
Built 1986
$113/sqft
· 18% below area
Est $231k · 18% under
$585/mo HOA · 23% of rent
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
You will love this townhome that lives bigger than its square footage of 1,688 under air and 2,222 total SQ, with lots of updates and storage in every imaginable place. A TRUE 3 bedroom with Bedroom w closet on FIRST FLOOR. Bedroom has sliders to the oversized screened in porch, a WHOPPING 34' 6" x 17 feet. The previous owner built a mans shed for extra storage and gadgets and the ladies have an area for potting plants with additional counter space on either side with cabinets. Motion sensor light by front door as you re-enter home. Huge Living room on the Right, 18 x 13 with laminate flooring throughout the first floor.
Key facts
- $585 HOA
- 2 parking spots
- Community pool
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 3-bed/2.5-bath townhouse listed at $190k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $143 ($2k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($3k rent vs $190k).
- Recommended offer: $173k (9.0% below list) — sets the bar for market timing.
- Cap rate 7.2% vs local median 4.0% in Port St. Lucie — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
- 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: Manatee Academy K-8 (math 53% / reading 51%, grade C-, #990 of 2,144 statewide, top 48%, 1,664 students, 65% FRL); Southern Oaks Middle School (math 39% / reading 43%, grade F, #353 of 571 statewide, top 63%, 894 students, 76% 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 (+1.9%/yr); 871 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
- At $2,584/mo this rent would consume 50% of the median local household income ($62k/yr) (locally 20% 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 $1k of loan paydown is wiped out by about $6k 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 98 days — a 9% lower offer ($173k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: HOA is 23% of rent.
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$172,900
(9.0% below list)
Questions for the listing agent
- It's been on market 98 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- 1.36% ✓
- Cap rate
- 7.20%
- Cash-on-cash
- 3.23%
- DSCR
- 1.14
- GRM
- 6.1
CMA / ARV
- ARV (median comp)
- $230,832
- List price
- $190,000
- Delta
- -8.16%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1803 SE Sir Lancelot Dr | 0.07mi | 2/2.5 (-1) | 1,688 (0%) | 8mo | $152,400 | $90 | 85 |
| 2156 SE Eatonville Dr | 0.29mi | 3/2.5 | 1,615 (-4%) | 2mo | $245,000 | $152 | 77 |
| 2139 SE Jamieson Dr | 0.21mi | 3/2.5 | 1,353 (-20%) | 3mo | $250,000 | $185 | 63 |
| 2181 SE Grand Dr | 0.29mi | 3/2.5 | 1,378 (-18%) | 3mo | $246,000 | $179 | 59 |
| 2177 SE Destin Dr | 0.28mi | 3/2.5 | 1,350 (-20%) | 4mo | $245,000 | $181 | 59 |
| 1890 SE Interlachen Dr | 0.28mi | 3/3.5 | 1,950 (+16%) | 0mo | $320,000 | $164 | 58 |
| 2186 SE Destin Dr | 0.29mi | 3/2.5 | 1,353 (-20%) | 6mo | $255,000 | $188 | 57 |
| 2151 SE Destin Dr | 0.31mi | 3/2.5 | 1,350 (-20%) | 6mo | $260,000 | $193 | 56 |
| 2061 SE Glen Ridge Dr | 0.33mi | 2/2.5 (-1) | 1,350 (-20%) | 2mo | $245,000 | $181 | 53 |
| 2136 SE Eatonville Dr | 0.31mi | 2/2.5 (-1) | 1,350 (-20%) | 4mo | $240,000 | $178 | 53 |
| 1901 SE High Springs Dr | 0.30mi | 3/3.5 | 1,950 (+16%) | 8mo | $330,000 | $169 | 50 |
| 2054 SE Wild Meadow Cir #105 | 1.10mi | 3/3.0 | 1,448 (-14%) | 5mo | $215,000 | $148 | 35 |
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 · 1.92% rent growth · sell at horizon
5-year hold
- IRR
- -12.7%
- Equity multiple
- 0.55×
- Total profit
- $-24,048
- Equity at exit
- $28,330
10-year hold
- IRR
- -5.8%
- Equity multiple
- 0.65×
- Total profit
- $-18,732
- Equity at exit
- $16,428
Cash invested: $53,200 (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.
Balanced market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 7 active · 14 under contract
- Months of supply
- 4.2 mo (24%/mo absorbed)
- Median asking
- $245,000 ($181/sqft)
- Median days on market
- 130 d
- This list price
- lowest-priced of the active set
- ARV vs active asking
- -24.6% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34952
- Home prices YoY
- -29.6%
- Rents YoY
- 1.9%
- Active inventory
- 871
- Price-to-rent
- 6.1×
Monthly cashflow live
↻
- Estimated rent
- $2,584 high interval (Pro) →
- Mortgage (P&I)
- −$996
- Tax est. 1.5%
- −$238 /mo · $2,850/yr
- Insurance
- −$79
- HOA
- −$585
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$543
- Net cashflow
- $143
Break-even live
Break-even rent
$2,403
Max offer price
$190,000
Occupancy floor
89%
Sensitivity live
| Price | -10% $274 | -5% $209 | +0% $143 | +5% $78 | +10% $12 |
|---|---|---|---|---|---|
| Rent | -10% $-61 | -5% $41 | +0% $143 | +5% $245 | +10% $347 |
| Rate | -1.0pp $239 | -0.5pp $192 | base $143 | +0.5pp $94 | +1.0pp $44 |
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
- $47,500
- Closing costs
- $5,700
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 301 SE Castle Ct Port St. Lucie, FL | 2.0 | 2.5 | 1688 | $2,900 | $1.72 | 119d | 1 | 0.12mi |
| 2410 SE Union Park Dr Port St Lucie, FL | 3.0 | 2.5 | 1600 | $2,300 | $1.44 | 6d | 1 | 0.25mi |
| 2410 SE Union Park Dr Port St Lucie, FL | 3.0 | 2.5 | 1600 | $2,100 | $1.31 | 0d | 1 | 0.25mi |
| 2051 SE Hillmoor Dr Port St Lucie, FL | 1.0–2.0 | 1.0–2.0 | 1014 | $2,539 | $2.50 | 6d | 15 | 0.29mi |
| 1862 SE Camilo St Port St Lucie, FL | 4.0 | 2.0 | 2064 | $3,927 | $1.90 | 6d | 1 | 0.30mi |
| 2061 SE Glen Ridge Dr Port Saint Lucie, FL | 2.0 | 2.5 | 1350 | $1,925 | $1.43 | 119d | 1 | 0.30mi |
| 2131 SE Destin Dr Port Saint Lucie, FL | 2.0 | 2.5 | 1350 | $2,000 | $1.48 | 119d | 1 | 0.31mi |
| 2057 SE Avon Park Dr Port Saint Lucie, FL | 3.0 | 2.0 | 1275 | $2,400 | $1.88 | 119d | 1 | 0.36mi |
| 4214 SE Home Way Port St Lucie, FL | 2.0 | 2.0 | 1264 | $2,500 | $1.98 | 6d | 1 | 0.37mi |
| 2362 SE Maslan Ave Port St Lucie, FL | 2.0 | 2.0 | 1212 | $3,000 | $2.48 | 6d | 1 | 0.40mi |
| 2061 SE Mantua St Port St Lucie, FL | 4.0 | 2.0 | 2059 | $3,350 | $1.63 | 6d | 1 | 0.41mi |
| 2085 SE Avon Park Dr Port St Lucie, FL | 4.0 | 3.5 | 1846 | $2,400 | $1.30 | 6d | 1 | 0.41mi |
| 2543 SE Ruskin Dr Port St Lucie, FL | 3.0 | 2.5 | 1712 | $2,800 | $1.64 | 6d | 1 | 0.43mi |
| 2242 SE Master Ave Port Saint Lucie, FL | 4.0 | 3.0 | 1728 | $2,800 | $1.62 | 109d | 1 | 0.47mi |
| 1900 SE Hillmoor Dr Port St Lucie, FL | 2.0–3.0 | 2.0–2.5 | 1182 | $2,300 | $1.95 | 0d | 18 | 0.47mi |
| 2220 SE Lucaya St Port Saint Lucie, FL | 4.0 | 2.0 | 1524 | $3,000 | $1.97 | 119d | 1 | 0.58mi |
| 2474 SE Betty Rd Port Saint Lucie, FL | 3.0 | 2.0 | 1281 | $3,000 | $2.34 | 119d | 1 | 0.59mi |
| 2456 SE Melaleuca Blvd Port St Lucie, FL | 3.0 | 1.5 | 1050 | $2,200 | $2.10 | 6d | 1 | 0.63mi |
| 1500 SE Tiffany Club Pl Port St Lucie, FL | 1.0–3.0 | 1.0–2.0 | 895 | $2,143 | $2.39 | 0d | 14 | 0.64mi |
| 2431 SE Gilbert Ave Port St Lucie, FL | 4.0 | 3.0 | 2110 | $2,595 | $1.23 | 6d | 1 | 0.72mi |
| 2251 SE Rainier Rd Port St Lucie, FL | 3.0 | 2.0 | 1153 | $2,445 | $2.12 | 6d | 1 | 0.83mi |
| 1955 SE Tiffany Ave Port St Lucie, FL | 3.0 | 2.0 | 1288 | $1,900 | $1.48 | 6d | 1 | 0.86mi |
| 2601 SE Creston Ln Port St Lucie, FL | 3.0 | 3.0 | 1854 | $2,300 | $1.24 | 6d | 1 | 0.87mi |
| 2231 SE Mariposa Ave Port St Lucie, FL | 4.0 | 2.0 | 2145 | $2,750 | $1.28 | 6d | 1 | 0.88mi |
| 9905 S US Highway 1 Port St Lucie, FL | 1.0–3.0 | 1.0–2.0 | 1002 | $2,800 | $2.79 | 0d | 16 | 0.90mi |
| 1838 SE Genaro Ter Port Saint Lucie, FL | 3.0 | 2.0 | 1340 | $3,200 | $2.39 | 119d | 1 | 0.97mi |
| 1886 SE Gifford St Port St Lucie, FL | 4.0 | 2.0 | 2020 | $2,900 | $1.44 | 6d | 1 | 1.09mi |
| 2130 SE Wild Meadow Cir Port Saint Lucie, FL | 2.0 | 2.0 | 1440 | $1,695 | $1.18 | 109d | 1 | 1.10mi |
| 2058 SE Wild Meadow Cir #101 Port St Lucie, FL | 2.0 | 2.5 | 1425 | $2,200 | $1.54 | 109d | 1 | 1.12mi |
| 2058 SE Wild Meadow Cir #101 Port St Lucie, FL | 2.0 | 2.5 | 1425 | $2,000 | $1.40 | 6d | 1 | 1.12mi |
| 2082 SE Wild Meadow Cir Port Saint Lucie, FL | 2.0 | 2.0 | 1524 | $1,850 | $1.21 | 119d | 1 | 1.12mi |
| 1589 SE Dome Cir Port St Lucie, FL | 3.0 | 2.0 | 2040 | $3,200 | $1.57 | 6d | 1 | 1.13mi |
| 2183 SE Wild Meadow Cir Port Saint Lucie, FL | 2.0 | 2.0 | 1550 | $1,900 | $1.23 | 109d | 1 | 1.13mi |
| 1565 SE Appamattox Ter Port St Lucie, FL | 3.0 | 2.0 | 1358 | $2,580 | $1.90 | 0d | 1 | 1.21mi |
| 2095 SE Joyner Cir Port St Lucie, FL | 3.0 | 2.0 | 1287 | $2,206 | $1.71 | 6d | 1 | 1.25mi |
| 2209 SE East Dunbrooke Cir Port St Lucie, FL | 3.0 | 2.0 | 1212 | $2,950 | $2.43 | 6d | 1 | 1.25mi |
| 1811 SE Walton Lakes Dr Port St Lucie, FL | 1.0–2.0 | 1.0–2.0 | 1013 | $2,163 | $2.13 | 5d | 10 | 1.29mi |
| 1838 SE North Buttonwood Dr Port Saint Lucie, FL | 3.0 | 2.0 | 1148 | $2,300 | $2.00 | 119d | 1 | 1.32mi |
| 1401 SE Appamattox Ter Port Saint Lucie, FL | 3.0 | 2.0 | 1358 | $2,500 | $1.84 | 119d | 1 | 1.32mi |
| 1618 SE Elkhart Ter Port St Lucie, FL | 3.0 | 2.0 | 1176 | $2,000 | $1.70 | 6d | 1 | 1.41mi |
Property features AI
Finance
- Other
- Community of approximately 132 unitsPets allowed (cats and dogs) with breed restrictions
- Financial info
- No land lease
- HOA & community
- Part of Camelot Gardens associationMonthly HOA fee of $585Association amenities include clubhouse, fitness center, pool (heated), spa/hot tub, tennis and shuffleboard courts, handball, car wash area, community room, maintained community areas, sidewalks, street lights, recreation facilities and parkingHOA fee covers cable TV, grounds maintenance, trash, common areas, common real estate tax, legal/accounting, reserve funds, recreation facility and pool service
Exterior
- Parking
- Two total parking spacesDetached covered carport for 2 carsAssigned and deeded spacesGuest parkingAsphalt surface
- Security
- Smoke detectorsMotion detectorsSecurity gate
- Utilities
- Public waterPublic sewer200+ amp electric service with circuit breakersCable availablePhone connectedUnderground utilitiesWater connectedSewer connectedElectricity available
- Home design
- TownhouseTwo storiesEntry level: 1Northwest-facingResale, updated/remodeledLiving area approximately 1,688
- Construction
- Block/CONCRETE/Stucco/CBS constructionShingle sidingBarrel Spanish tile roofSlab foundationBuilt with CBS and concrete materials
- Exterior features
- Screened porchPorchPrivacy fencingShed(s)WorkshopFruit trees on lotPrivate paved road frontageNo waterfront
Interior
- Kitchen
- DishwasherElectric rangeRefrigeratorDisposalElectric water heater
- Bedrooms
- One main-level bedroom
- Flooring
- Ceramic tileTileLaminate
- Bathrooms
- Two full bathroomsOne half bathroomOne bathroom on the main level
- Heating & cooling
- Central electric heatingCentral air conditioningHeat pumpCeiling fans
- Interior features
- Walk-in closetsSplit bedroom layoutCloset cabinetryCustom mirrorsAccessible doorsStair liftAccessible washer/dryer
- Laundry & utility
- Washer hookupWasher/dryer in unitElectric dryer hookupLaundry tubLaundry located on main and lower levelsInside laundry
Listing history 50 events
-
2026-09-24days on market $190,000 Active 98 DOM
-
2026-09-23days on market $190,000 Active 97 DOM
-
2026-09-22pricedays on market $190,000 Active 96 DOM
-
2026-09-21days on market $212,000 Active 95 DOM
-
2026-09-20days on market $212,000 Active 94 DOM
-
2026-09-19days on market $212,000 Active 93 DOM
-
2026-09-18days on market $212,000 Active 92 DOM
-
2026-09-17days on market $212,000 Active 91 DOM
-
2026-09-16days on market $212,000 Active 90 DOM
-
2026-09-15days on market $212,000 Active 89 DOM
-
2026-09-14days on market $212,000 Active 88 DOM
-
2026-09-13days on market $212,000 Active 87 DOM
-
2026-09-12days on market $212,000 Active 86 DOM
-
2026-09-11days on market $212,000 Active 85 DOM
-
2026-09-05days on market $212,000 Active 79 DOM
-
2026-09-04days on market $212,000 Active 78 DOM
-
2026-09-03days on market $212,000 Active 77 DOM
-
2026-08-31pricedays on market $212,000 Active 74 DOM
-
2026-08-30days on market $232,000 Active 73 DOM
-
2026-08-29days on market $232,000 Active 72 DOM
-
2026-08-28days on market $232,000 Active 71 DOM
-
2026-08-27days on market $232,000 Active 70 DOM
-
2026-08-26days on market $232,000 Active 69 DOM
-
2026-08-25days on market $232,000 Active 68 DOM
-
2026-08-24days on market $232,000 Active 67 DOM
-
2026-08-23days on market $232,000 Active 66 DOM
-
2026-08-22days on market $232,000 Active 65 DOM
-
2026-08-21days on market $232,000 Active 64 DOM
-
2026-08-20days on market $232,000 Active 63 DOM
-
2026-08-19days on market $232,000 Active 62 DOM
-
2026-08-18days on market $232,000 Active 61 DOM
-
2026-08-17days on market $232,000 Active 60 DOM
-
2026-08-16days on market $232,000 Active 59 DOM
-
2026-08-15days on market $232,000 Active 58 DOM
-
2026-08-14days on market $232,000 Active 57 DOM
-
2026-08-13days on market $232,000 Active 56 DOM
-
2026-08-12days on market $232,000 Active 55 DOM
-
2026-08-11days on market $232,000 Active 54 DOM
-
2026-08-10days on market $232,000 Active 53 DOM
-
2026-08-09days on market $232,000 Active 52 DOM
-
2026-08-08days on market $232,000 Active 51 DOM
-
2026-08-07days on market $232,000 Active 50 DOM
-
2026-08-06days on market $232,000 Active 49 DOM
-
2026-08-05days on market $232,000 Active 48 DOM
-
2026-08-04days on market $232,000 Active 47 DOM
-
2026-08-03days on market $232,000 Active 46 DOM
-
2026-07-31days on market $232,000 Active 43 DOM
-
2026-07-30days on market $232,000 Active 42 DOM
-
2026-07-29days on market $232,000 Active 41 DOM
-
2026-07-27days on market $232,000 Active 39 DOM
ⓘ 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 3/10 Moderate
- Heat 10/10 Extreme 7 d/yr ≥106°F today · 25 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $31,006
- − Mortgage interest
- −$10,643
- − Property taxes
- −$2,850
- − Insurance
- −$950
- − Repairs & maintenance
- −$2,480
- − Management
- −$2,480
- − HOA
- −$7,020
- − Depreciation
- −$5,527
- Taxable loss
- −$945
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$227
- After-tax cash flow
- $1,945/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.
Condition & rehab AI · 12 photos
80/100
Cosmetic rehab
Est. rehab $8,440–$25,320 screening
This townhouse is in good condition with cosmetic updates needed for a fresh look. The property is move-in ready with a good condition score.
Value-add opportunities
- Both Paint exterior fence — Enhances curb appeal and value ↑
- Both Trim bushes — Improves landscaping and enhances curb appeal ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
F
Composite school gradezoned avg 40/100
Zoned Schools
Elementary
Mariposa Elementary School
D+
FL #1,055/2,144
Nat'l #12,398/41,679
Middle
Forest Grove Middle School
F
FL #388/571
Nat'l #6,571/14,009
High
Port St. Lucie High School
F
FL #415/667
Nat'l #10,416/17,239
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 — Port St. Lucie
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- Census place
- Port St. Lucie, FL
- County
- Saint Lucie County · 338,016 people
- City population
- 221,051
- Metro
- Port St. Lucie, FL
- Population (ZIP)
- 42,655
- Household income
- $61,628
- Rent vs Own
- Severe rent burden
- 20% of renters
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 0.57)
- Race & ethnicity
- White 62% Hispanic / Latino 19% Two or more races 14% Black 10% Asian 3%
- Hispanic origin (detail)
- Mexican 4% Puerto Rican 4% Cuban 2% Dominican 2%
- Common ancestry
- Romanian 3% Lithuanian 2% Hispanic 1%
- Foreign-born
- 18% · Canada, Jamaica, China
- Languages at home
- 76% English-only · Spanish 16% French/Haitian/Cajun 3% Tagalog/Filipino 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
- ▼ -155.80%
- Current HPI
- 371.0573
- Rent YoY
- ▲ 1.92%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
1 event — show timeline
- 2026-06-16 Listed $232,000 Beaches MLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…