2077 SW Americana St · Port St. Lucie, FL 34953

$439,900

4 bd · 2.0 ba · 1,876 sqft · Land · 12 Days on market

Built 2026 10,000 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).

• Cash flow +11.0/30.0
• ARV discount +7.5/15.0
• Schools +3.7/10.0
• DSCR +3.2/10.0
• Rent growth +2.6/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Fantastic opportunity to build your dream home on this 10,000 sq ft residential lot located in a well established neighborhood. This parcel offers a buildable site with no HOA and is ideal for custom single family construction. Conveniently located near major highways including I-95 and the Florida Turnpike, providing easy access for commuters. Close to schools, shopping, dining, and area parks. Don't miss out on this prime location in one of Port St. Lucie's most desirable areas.

Key facts

• Flexible bonus area
• Walk-in closet
• Large island

Tags

• CANAL VIEWS
• OPEN-CONCEPT LAYOUT
• LARGE ISLAND
• FLEXIBLE BONUS AREA
• EXTENDED REAR PATIO
• WALK-IN CLOSET

🏗️ New construction. Builder plan / spec listing (the home may be to-be-built); metrics use comparable previous sales.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $440k.

Deal economics

• At list price, monthly cash flow is $-183 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $408k (7.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $305k (30.8% below list).
• Recommended offer: $305k (30.8% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 3.9% 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 F — 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: Floresta Elementary School (math 44% / reading 44%, grade F, #1,330 of 2,144 statewide, top 63%, 647 students, 77% FRL); St. Lucie West Centennial High (math 26% / reading 47%, grade F, #351 of 667 statewide, top 54%, 2,766 students, 59% FRL).
• Market conditions: Rents flat; 758 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
• This rent runs 43% of the median local income ($86k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $13k 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

• 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.
• Current owner paid $135k; list at $440k implies a 226% 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 $304,574 (30.8% below list)

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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.69% ✗
• Cap rate: 5.79%
• Cash-on-cash: -1.78%
• DSCR: 0.92
• GRM: 12.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.22% rent growth · sell at horizon

5-year hold

• IRR: -22.0%
• Equity multiple: 0.26×
• Total profit: $-91,451
• Equity at exit: $65,591

10-year hold

• IRR: -23.0%
• Equity multiple: -0.04×
• Total profit: $-127,745
• Equity at exit: $38,035

Cash invested: $123,172 (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 34953

• Home prices YoY: -10.1%
• Rents YoY: 0.2%
• Active inventory: 758
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $3,046 high
• Mortgage (P&I): −$2,307
• Tax from tax record: −$99 /mo · $1,186/yr
• Insurance: −$183
• HOA: −$0
• Vacancy / Maint / Mgmt: −$640
• Net cashflow: $-183

Break-even live

Break-even rent $3,277

Max offer price $407,594

Occupancy floor —

Sensitivity live

Price	-10% $66	-5% $-58	+0% $-183	+5% $-307	+10% $-432
Rent	-10% $-423	-5% $-303	+0% $-183	+5% $-63	+10% $58
Rate	-1.0pp $39	-0.5pp $-71	base $-183	+0.5pp $-297	+1.0pp $-413

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: $109,975
• Closing costs: $13,197
• Reserves months: —
• Total cash needed: —

Rent comps 35 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2073 SW Capeador St Port Saint Lucie, FL	3.0	2.0	1250	$2,500	$2.00	24d	1	0.16mi
1341 SW Oriole Ln Port Saint Lucie, FL	3.0	2.0	1698	$2,300	$1.35	24d	1	0.20mi
1143 SW Estaugh Ave Port Saint Lucie, FL	4.0	3.0	1941	$2,800	$1.44	24d	1	0.26mi
2033 SW Beekman St Unit 2033 Port St. Lucie, FL	3.0	2.0	2081	$3,700	$1.78	24d	1	0.30mi
1273 SW Granville Ave Port St. Lucie, FL	4.0	3.0	2100	$3,500	$1.67	24d	1	0.33mi
1402 SW Crest Ave Port Saint Lucie, FL	4.0	2.0	1827	$2,495	$1.37	24d	1	0.36mi
1080 SW Colorado Ave Port Saint Lucie, FL	3.0	2.0	1240	$2,150	$1.73	24d	1	0.42mi
1956 SW Beekman St Unit 1956 Port St. Lucie, FL	4.0	3.0	2525	$3,500	$1.39	14d	1	0.43mi
2357 SW Norton St Port Saint Lucie, FL	4.0	3.0	2134	$2,800	$1.31	24d	1	0.50mi
1902 SW Aladdin St Port St Lucie, FL	3.0	2.0	1383	$2,350	$1.70	24d	1	0.66mi
928 SW John Maccormack Ter Port Saint Lucie, FL	4.0	2.5	1802	$2,800	$1.55	14d	1	0.69mi
2078 SW Idaho Ln Port Saint Lucie, FL	3.0	2.0	1800	$2,361	$1.31	14d	1	0.84mi
1625 SW Abingdon Ave Port Saint Lucie, FL	4.0	2.0	2083	$2,900	$1.39	24d	1	0.84mi
1280 SW Jacqueline Ave #1280 Port St. Lucie, FL	3.0	2.0	1416	$3,000	$2.12	24d	1	0.84mi
1730 SW California Blvd Port Saint Lucie, FL	4.0	3.0	2231	$3,400	$1.52	24d	1	0.93mi
1331 SW Bellevue Ave Port Saint Lucie, FL	3.0	2.0	1328	$2,249	$1.69	24d	1	0.96mi
2547 SW Kenilworth St Port Saint Lucie, FL	3.0	2.0	1674	$2,500	$1.49	14d	1	1.01mi
1829 SW California Blvd Port Saint Lucie, FL	3.0	2.0	1412	$2,116	$1.50	24d	1	1.08mi
1687 SW Import Dr Port Saint Lucie, FL	4.0	3.0	2496	$4,200	$1.68	24d	1	1.09mi
1829 SW Hickock Ter Port Saint Lucie, FL	4.0	3.0	2012	$3,500	$1.74	21d	1	1.11mi
1773 SW Cannon Ave Port Saint Lucie, FL	4.0	2.0	1833	$2,336	$1.27	14d	1	1.16mi
619 SW Post Ter Port Saint Lucie, FL	3.0	2.0	1827	$2,600	$1.42	24d	1	1.23mi
2472 SW Valnera St Port Saint Lucie, FL	4.0	3.0	2485	$3,200	$1.29	24d	1	1.28mi
662 SW Sandbar Ter Port Saint Lucie, FL	4.0	2.0	1644	$2,366	$1.44	14d	1	1.30mi
1767 SW Bellevue Ave Port Saint Lucie, FL	4.0	2.0	1916	$2,900	$1.51	24d	1	1.32mi
1750 SW Hampshire Ln Port Saint Lucie, FL	3.0	2.0	1597	$2,376	$1.49	14d	1	1.32mi
1086 SW Eureka Ave Port Saint Lucie, FL	3.0	2.0	1508	$2,600	$1.72	14d	1	1.32mi
2180 SW Cameo Blvd Port Saint Lucie, FL	4.0	2.0	1796	$3,400	$1.89	24d	1	1.33mi
997 SW Eureka Ave Port Saint Lucie, FL	3.0	2.0	1986	$2,600	$1.31	24d	1	1.37mi
985 SW Eureka Ave Port Saint Lucie, FL	5.0	2.0	1986	$3,500	$1.76	24d	1	1.38mi
854 SW Saint Tropez Ct Port Saint Lucie, FL	3.0	2.0	2376	$3,400	$1.43	24d	1	1.38mi
1941 SW Hampshire Ln Port Saint Lucie, FL	4.0	2.0	1908	$2,600	$1.36	24d	1	1.41mi
2351 SW Chestnut Ln Unit N/A Port St. Lucie, FL	3.0	2.0	1510	$3,000	$1.99	24d	1	1.47mi
992 SW College Park Rd Port Saint Lucie, FL	4.0	3.0	2078	$2,700	$1.30	24d	1	1.48mi
2542 SW Kensington St Port Saint Lucie, FL	3.0	2.0	1470	$3,200	$2.18	14d	1	1.50mi

Listing history 7 events

1. 2026-03-23
   status Pending
2. 2026-02-10
   listed $439,900 Active
3. 2025-10-03
   soldstatus $135,000
4. 2025-09-29
   soldstatus $135,000 Closed 485-char remark

   Show marketing remark (485 chars)

   Fantastic opportunity to build your dream home on this 10,000 sq ft residential lot located in a well established neighborhood. This parcel offers a buildable site with no HOA and is ideal for custom single family construction. Conveniently located near major highways including I-95 and the Florida Turnpike, providing easy access for commuters. Close to schools, shopping, dining, and area parks. Don't miss out on this prime location in one of Port St. Lucie's most desirable areas.

5. 2025-08-08
   historical Active Under Contract 485-char remark

   Show marketing remark (485 chars)

   Fantastic opportunity to build your dream home on this 10,000 sq ft residential lot located in a well established neighborhood. This parcel offers a buildable site with no HOA and is ideal for custom single family construction. Conveniently located near major highways including I-95 and the Florida Turnpike, providing easy access for commuters. Close to schools, shopping, dining, and area parks. Don't miss out on this prime location in one of Port St. Lucie's most desirable areas.

6. 2025-08-04
   listed $155,000 Active 485-char remark

   Show marketing remark (485 chars)

   Fantastic opportunity to build your dream home on this 10,000 sq ft residential lot located in a well established neighborhood. This parcel offers a buildable site with no HOA and is ideal for custom single family construction. Conveniently located near major highways including I-95 and the Florida Turnpike, providing easy access for commuters. Close to schools, shopping, dining, and area parks. Don't miss out on this prime location in one of Port St. Lucie's most desirable areas.

7. 1990-05-04
   soldstatus $9,000

ⓘ 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: $1,186 · $99/mo
• Projected year-2 tax: $3,651 · $304/mo
• Expected delta: +$2,465/yr (+$205/mo · 207.9%)

ⓘ 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 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 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $36,549
• − Mortgage interest: −$24,641
• − Property taxes: −$1,186
• − Insurance: −$2,200
• − Repairs & maintenance: −$2,924
• − Management: −$2,924
• − Depreciation: −$12,797
• Taxable loss: −$10,123
• Est. tax savings @ 24.0%: +$2,429
• After-tax cash flow: $235/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: 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 · 337,150 people
• City population: 221,051
• Metro: Port St. Lucie, FL
• Population (ZIP): 86,875
• Household income: $85,667
• Rent vs Own: 13.1% rent · 86.9% own
• Severe rent burden: 857.0

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 0.69)
• Race & ethnicity: White 42% Hispanic / Latino 28% Black 23% Two or more races 15% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 8% Cuban 4% Dominican 3%
• Common ancestry: Hispanic 4% Romanian 2% Estonian 2%
• Foreign-born: 24% · Canada, Jamaica, China
• Languages at home: 69% English-only · Spanish 19% French/Haitian/Cajun 6% Other Indo-European 3%

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: ▼ -44.19%
• Current HPI: 392.7681
• Rent YoY: ▲ 0.22%
• 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
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+4787.8% since first listed

7 events — show timeline

• 2026-03-23 Pending — Beaches MLS
• 2026-02-10 Listed $439,900 Beaches MLS
• 2025-10-03 Sold (Public Records) $135,000 Public Records
• 2025-09-29 Sold (MLS) $135,000 Beaches MLS
• 2025-08-08 Contingent — Beaches MLS
• 2025-08-04 Listed $155,000 Beaches MLS
• 1990-05-04 Sold (Public Records) $9,000 Public Records

Property tax history

+7.7%/yr

Latest (2025): $1,186 · +20.0% YoY. Source: county tax records.