1680 Travis St SE · Palm Bay, FL 32909

$215,900

3 bd · 1.0 ba · 1,092 sqft · SingleFamily public records · 32 Days on market

Built 1986 10,454 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 +15.4/30.0
• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +4.7/10.0
• Schools +4.7/10.0
• 1% rule +4.2/10.0
• Livability +3.6/5.0
• Rent growth +3.4/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

Key facts

• Fenced back yard
• Screened back porch
• No hoa

Tags

• FENCED BACK YARD
• LIVING ROOM DINING ROOM COMBO
• SCREENED BACK PORCH
• NO HOA

Property features AI

Finance

• Other: Zoned RS2
• Financial info: Unfurnished
• HOA & community: No association fees

Exterior

• Parking: Attached garage with space for 2 cars
• Utilities: Well water; Septic tank; Cable available and connected; High-speed internet/BB available; Electricity available and connected
• Home design: Single-family residence; One-story; Faces southeast; Property in completed condition
• Construction: Brick construction; Shingle roof; Slab foundation; Built on a lot of about 0.24 acres
• Exterior features: Private mailbox; Concrete road access; Lot dimensions approximately 83 x 125

Interior

• Kitchen: Includes refrigerator and range hood
• Bedrooms: 3 bedrooms
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Open living/dining room combo; Refrigerator; Range hood
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $216k.

Deal economics

• At list price, monthly cash flow is $82 ($982/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 $198k (8.2% below list).
• Recommended offer: $198k (8.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 72/100 on livability (#366 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, employment D+, amenities F.
• Brevard (suburban): math 53% / reading 57% proficiency, ranked #19 of 73 in FL (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+3.7%/yr); 1111 active listings in the ZIP; 8 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; 4,602 units permitted in Brevard County in 2024 (702 in 5+ unit buildings).

Forward outlook

• In year one you build about $23k of equity ($1k loan paydown + $22k appreciation (10.0% local appreciation)).
• Brevard County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (10.0% appreciation + 3.7% rent growth), your $60k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 32 days — a 3% lower offer ($209k) is reasonable based on typical stale-listing flexibility.
• 19 sale attempts since 16y ago; this cycle's ask is 8% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $198,134 (8.2% below list)

Questions for the listing agent

1. It's been on market 32 days. Have you received any prior offers? Is the seller open to a 8% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 0.92% ✗
• Cap rate: 6.75%
• Cash-on-cash: 1.62%
• DSCR: 1.07
• GRM: 9.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.67% rent growth · sell at horizon

5-year hold

• IRR: 25.7%
• Equity multiple: 3.05×
• Total profit: $124,163
• Equity at exit: $194,500

10-year hold

• IRR: 22.8%
• Equity multiple: 7.03×
• Total profit: $364,397
• Equity at exit: $419,446

Cash invested: $60,452 (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 32909

• Home prices YoY: 6.0%
• Rents YoY: 3.7%
• Active inventory: 1111
• Price-to-rent: 9.1×

Monthly cashflow live

• Estimated rent: $1,981 high
• Mortgage (P&I): −$1,132
• Tax from tax record: −$261 /mo · $3,136/yr
• Insurance: −$90
• HOA: −$0
• Vacancy / Maint / Mgmt: −$416
• Net cashflow: $82

Break-even live

Break-even rent $1,878

Max offer price $215,900

Occupancy floor 91%

Sensitivity live

Price	-10% $204	-5% $143	+0% $82	+5% $21	+10% $-40
Rent	-10% $-75	-5% $4	+0% $82	+5% $160	+10% $238
Rate	-1.0pp $191	-0.5pp $137	base $82	+0.5pp $26	+1.0pp $-31

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: $53,975
• Closing costs: $6,477
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1674 Waltz St SE Palm Bay, FL	3.0	2.0	1262	$1,831	$1.45	15d	1	0.42mi
1625 Santos St SE Unit A Palm Bay, FL	2.0	1.0	900	$1,350	$1.50	20d	1	0.67mi
1430 Valerius St SE Palm Bay, FL	2.0	1.0	904	$1,750	$1.94	24d	1	0.76mi
2036 Walsh Ave SE Palm Bay, FL	3.0	2.0	1331	$1,930	$1.45	24d	1	0.79mi
1490 Van Buren Ave SE Palm Bay, FL	2.0	1.0	900	$1,600	$1.78	24d	1	0.93mi
1418 Paley Cir SE Palm Bay, FL	3.0	2.0	1260	$1,850	$1.47	24d	1	1.00mi
1068 Saint Johns St SE Palm Bay, FL	3.0	2.0	1332	$2,000	$1.50	24d	1	1.23mi
1630 Agnes Ave SE Palm Bay, FL	3.0	2.0	924	$1,749	$1.89	20d	1	1.47mi

Listing history 50 events

1. 2026-06-18
   days on market $215,900 Active 32 DOM
2. 2026-06-17
   days on market $215,900 Active 31 DOM
3. 2026-06-16
   days on market $215,900 Active 30 DOM
4. 2026-06-15
   days on market $215,900 Active 29 DOM
5. 2026-06-14
   days on market $215,900 Active 27 DOM
6. 2026-06-10
   days on market $215,900 Active 24 DOM
7. 2026-06-08
   statusdays on market $215,900 Active 22 DOM
8. 2026-05-31
   remarks 332-char remark
9. 2026-05-31
   status $215,900 Pending 21 DOM
10. 2026-05-21
    price $215,900
11. 2026-05-09
    price $1,800
12. 2026-05-08
    listed $199,900 Active
13. 2026-04-30
    historical 228-char remark

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

14. 2026-03-26
    price $1,950
15. 2026-02-19
    price $299,900
16. 2026-02-15
    historical
17. 2026-01-30
    status Pending
18. 2026-01-30
    historical
19. 2026-01-29
    listed $1,850
20. 2026-01-27
    status Active
21. 2026-01-27
    price $256,000
22. 2026-01-27
    listed $256,000 Active
23. 2026-01-01
    historical $1,975
24. 2025-10-03
    status Pending
25. 2025-10-01
    historical $1,975
26. 2025-10-01
    listed $279,900 Active
27. 2025-09-27
    historical
28. 2025-09-18
    price $279,900

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

29. 2025-09-18
    price $279,900 228-char remark

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

30. 2025-08-28
    price $249,900

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

31. 2025-08-28
    price $249,900

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

32. 2025-08-28
    price $249,900 228-char remark

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

33. 2025-08-09
    price $259,900 228-char remark

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

34. 2025-08-02
    listed $1,975
35. 2025-08-02
    listed $1,975
36. 2025-07-30
    price $269,900 228-char remark

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

37. 2025-07-30
    price $269,900

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

38. 2025-07-30
    historical

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

39. 2025-07-03
    price $279,900 228-char remark

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

40. 2025-07-03
    price $279,900

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

41. 2025-05-13
    price $289,900 228-char remark

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

42. 2025-05-12
    price $289,900
43. 2025-04-29
    listed $299,900 Active 228-char remark

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

44. 2025-04-29
    listed $299,900 Active

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

45. 2025-04-29
    listed $269,900 Active

    Show marketing remark (228 chars)

    3 bed 2 bath home is located minutes from shopping, restaurants and I95. It boasts a HUGE fenced back yard, a spacious living room-dining room combo leading off from the kitchen, split plan bedrooms, screened back porch, NO HOA

46. 2025-03-11
    soldstatus $195,000
47. 2025-03-07
    soldstatus $178,900 Closed
48. 2025-01-23
    status Pending
49. 2024-12-13
    listed $191,000 Active
50. 2023-11-10
    historical

ⓘ 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: $3,136 · $261/mo
• Projected year-2 tax: $3,136 · $261/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°F today · 22 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,776
• − Mortgage interest: −$12,094
• − Property taxes: −$3,136
• − Insurance: −$1,080
• − Repairs & maintenance: −$1,902
• − Management: −$1,902
• − Depreciation: −$6,281
• Taxable loss: −$2,618
• Est. tax savings @ 24.0%: +$628
• After-tax cash flow: $1,610/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: Brevard
• NCES district ID: 1200150
• Math proficiency: 53% ▼ -9.00%
• Reading proficiency: 57% ▼ -4.00%
• Median HH income: $49,426
• Composite: 46.86/100
• National rank: #2370
• State rank: #19 of 73 in FL

Livability — Palm Bay

• Score: 72/100
• State rank: #366
• US rank: #6458

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Palm Bay, FL
• County: Brevard County · 602,871 people
• City population: 132,211
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 41,804
• Household income: $79,977
• Rent vs Own: 17.3% rent · 82.7% own
• Severe rent burden: 697.0

Population outlook (Brevard County) Hauer SSP2

• Today (2025): 623,254 people
• By 2030: 648,420 · +4.0%
• By 2040: 690,009 · +10.7%
• By 2050: 715,669 · +14.8%
• By 2075: 775,744 · +24.5%
• By 2100: 776,687 · +24.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.70)
• Race & ethnicity: White 46% Black 21% Hispanic / Latino 20% Two or more races 16% Asian 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 8% Cuban 5%
• Common ancestry: Hispanic 3% Slovak 2% Lithuanian 2%
• Foreign-born: 17% · Canada, China, Jamaica
• Languages at home: 84% English-only · Spanish 9% French/Haitian/Cajun 4% Chinese 1%

Political lean MEDSL · Brevard

• 2024 margin: Strong R (+20.8) · D 39.1% · R 59.9% · Other 1.0%
• 2008→2024 swing: -10.4pp toward R · 2008: -10.4pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+16.4 2016: R+19.8 2012: R+12.7 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 18.81%
• Current HPI: 330.8595
• Rent YoY: ▲ 3.67%
• Metro: Palm Bay-Melbourne-Titusville, 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

+331.8% since first listed

62 events — show timeline

• 2026-05-21 Price Changed $215,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-09 Price Changed $1,800 STELLARMLS
• 2026-05-08 Listed $199,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-30 Listing Removed — SCMLS
• 2026-03-26 Price Changed $1,950 STELLARMLS
• 2026-02-19 Price Changed $299,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-15 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-01-30 Pending — MARMLS
• 2026-01-30 Listing Removed — MARMLS
• 2026-01-29 Listed for Rent $1,850 STELLARMLS
• 2026-01-27 Relisted — MARMLS
• 2026-01-27 Price Changed $256,000 MARMLS
• 2026-01-27 Listed $256,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-01 Rental Removed $1,975 SCMLS
• 2025-10-03 Pending — MARMLS
• 2025-10-01 Rental Removed $1,975 STELLARMLS
• 2025-10-01 Listed $279,900 MARMLS
• 2025-09-27 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-09-18 Price Changed $279,900 Stellar MLS as Distributed by MLS Grid
• 2025-09-18 Price Changed $279,900 SCMLS
• 2025-08-28 Price Changed $249,900 Stellar MLS as Distributed by MLS Grid
• 2025-08-28 Price Changed $249,900 SCMLS
• 2025-08-28 Price Changed $249,900 SCMLS
• 2025-08-09 Price Changed $259,900 SCMLS
• 2025-08-02 Listed for Rent $1,975 STELLARMLS
• 2025-08-02 Listed for Rent $1,975 SCMLS
• 2025-07-30 Price Changed $269,900 SCMLS
• 2025-07-30 Price Changed $269,900 Stellar MLS as Distributed by MLS Grid
• 2025-07-30 Listing Removed — SCMLS
• 2025-07-03 Price Changed $279,900 SCMLS
• 2025-07-03 Price Changed $279,900 Stellar MLS as Distributed by MLS Grid
• 2025-05-13 Price Changed $289,900 SCMLS
• 2025-05-12 Price Changed $289,900 Stellar MLS as Distributed by MLS Grid
• 2025-04-29 Listed $269,900 SCMLS
• 2025-04-29 Listed $299,900 Stellar MLS as Distributed by MLS Grid
• 2025-04-29 Listed $299,900 SCMLS
• 2025-03-11 Sold (Public Records) $195,000 Public Records
• 2025-03-07 Sold (MLS) $178,900 SCMLS
• 2025-01-23 Pending — SCMLS
• 2024-12-13 Listed $191,000 SCMLS
• 2023-11-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2023-11-10 Listing Removed — SCMLS
• 2023-09-29 Relisted — SCMLS
• 2023-09-29 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-08-30 Pending — SCMLS
• 2023-08-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-08-24 Listed $218,250 SCMLS
• 2023-08-22 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-08-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-07-17 Price Changed $218,250 Stellar MLS as Distributed by MLS Grid
• 2023-06-12 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-24 Price Changed $230,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-10 Price Changed $235,000 Stellar MLS as Distributed by MLS Grid
• 2023-04-19 Listed $239,000 Stellar MLS as Distributed by MLS Grid
• 2018-06-04 Sold (Public Records) $139,900 Public Records
• 2018-05-31 Sold (MLS) $139,900 SCMLS
• 2018-04-14 Listed $139,900 SCMLS
• 2016-08-16 Listing Removed — SCMLS
• 2011-11-11 Listed $62,900 SCMLS
• 2010-07-30 Sold (MLS) $55,000 SCMLS
• 2010-05-04 Listed $55,000 SCMLS
• 1986-07-01 Sold (Public Records) $50,000 Public Records

Property tax history

+18.6%/yr

Latest (2025): $3,136 · +108.6% YoY. Source: county tax records.