2555 Pga Blvd #345 · Palm Beach Gardens, FL 33410

$134,000

3 bd · 2.0 ba · 1,620 sqft · Manufactured · 18 Days on market

Built 2017 Average condition 8,712 sqft lot $1563/mo HOA · 41% of rent

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• Rent growth +3.1/5.0
• Condition / age +2.8/5.0
• Appreciation +0.0/10.0

Listing remarks

Just Listed !!! Custom Built in 2017 this newer home is located in a Prime location available for all ages . Offering 3 bedrooms , Master Bedroom with Private Bath split from Bedrooms 2 & 3 , 2 baths , Screened Florida room with electrical outlets, Gourmet kitchen with extra large center island with seating, walk in laundry room, Formal Dining Room with room to seat 12 or can be a Family Room, Custom built Paver Patio with privacy , enjoy the hot tub , plus exterior shower with hot and cold water , large exterior space to relax and enjoy the outdoors. Bonus exterior shed set on a concrete foundation This home has so much to offer and it is priced to sell ! Enjoy walking to shopping

Key facts

• Hot tub
• Exterior shower
• Gourmet kitchen

Tags

• SCREENED FLORIDA ROOM
• GOURMET KITCHEN
• CUSTOM BUILT PAVER PATIO
• HOT TUB
• EXTERIOR SHOWER
• BONUS EXTERIOR SHED

Property features AI

Finance

• Other: Pets allowed with number and size limits
• HOA & community: Homeowners association present; HOA fee approximately $1,563.69; HOA covers common areas, cable TV, laundry, grounds maintenance, pool(s), recreation facilities, sewer, taxes, trash, and water; Community amenities include barbecue, basketball court, billiard room, bicycle storage, clubhouse, fitness center, game room, kitchen facilities, laundry facilities, non-gated community, playground, putting green, storage facilities

Exterior

• Parking: 2 parking spaces (2 covered)
• Utilities: Electricity connected
• Home design: Manufactured home; Single-story
• Construction: Manufactured construction; Resale
• Exterior features: Community pool; Community above-ground spa; Lot size approximately 0.2 acres

Interior

• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Unfurnished

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $134k. Condition is rated average.

Deal economics

• At list price, monthly cash flow is $499 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $134k).
• Recommended offer: $132k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#464 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 (+2.5%/yr); 303 active listings in the ZIP; 40 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 $3,782/mo this rent would consume 48% of the median local household income ($95k/yr) (locally 1429% 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 $926 of loan paydown is wiped out by about $4k 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.
• At projected returns (-3.0% appreciation + 2.5% rent growth), your $38k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 18 days — a 2% lower offer ($132k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: HOA is 41% of rent.
• Climate carrying-cost: moderate flood risk; 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 $131,990 (1.5% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-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?
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: 2.82% ✓
• Cap rate: 10.76%
• Cash-on-cash: 15.95%
• DSCR: 1.71
• GRM: 3.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.49% rent growth · sell at horizon

5-year hold

• IRR: 6.3%
• Equity multiple: 1.24×
• Total profit: $9,142
• Equity at exit: $19,980

10-year hold

• IRR: 15.2%
• Equity multiple: 2.20×
• Total profit: $45,159
• Equity at exit: $11,586

Cash invested: $37,520 (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 33410

• Rents YoY: 2.5%
• Active inventory: 303
• Price-to-rent: 3.0×

Monthly cashflow live

• Estimated rent: $3,782 high
• Mortgage (P&I): −$703
• Tax est. 1.5%: −$168 /mo · $2,010/yr
• Insurance: −$56
• HOA: −$1,563
• Vacancy / Maint / Mgmt: −$794
• Net cashflow: $499

Break-even live

Break-even rent $3,151

Max offer price $134,000

Occupancy floor 82%

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: $33,500
• Closing costs: $4,020
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2727 Anzio Ct #106 Palm Beach Gardens, FL	3.0	2.0	1316	$3,000	$2.28	24d	1	0.11mi
2813 Grande Pkwy #109 Palm Beach Gardens, FL	3.0	2.0	1278	$2,818	$2.21	24d	1	0.20mi
2916 Tuscany Ct Palm Beach Gardens, FL	3.0	2.0	1278	$2,818	$2.21	24d	1	0.20mi
2916 Tuscany Ct #201 Palm Beach Gardens, FL	2.0	2.0	1149	$3,200	$2.79	3d	1	0.21mi
2802 Sarento Pl #204 Palm Beach Gardens, FL	2.0	2.0	1092	$3,500	$3.21	24d	1	0.33mi
2805 Veronia Dr Palm Beach Gardens, FL	3.0	2.0	1361	$3,000	$2.20	24d	1	0.36mi
11860 Valencia Gardens Ave Palm Beach Gardens, FL	3.0	3.5	2150	$3,800	$1.77	24d	1	0.37mi
3252 Florida Blvd Unit 1326857P Palm Beach Gardens, FL	4.0	3.0	1593	$7,046	$4.42	3d	1	0.55mi
2395 Idlewild Rd Palm Beach Gardens, FL	3.0	2.0	1476	$4,500	$3.05	22d	1	0.59mi
3270 Grove Rd Unit 1326860P Palm Beach Gardens, FL	3.0	2.0	1496	$5,047	$3.37	7d	1	0.59mi
2388 S Wallen Dr West Palm Beach, FL	3.0	2.0	1296	$4,500	$3.47	24d	1	0.63mi
3610 Gardens Pkwy Unit 402A Palm Beach Gardens, FL	2.0	2.5	1831	$5,500	$3.00	24d	1	0.65mi
12015 Colony Ave Palm Beach Gardens, FL	3.0	2.0	1104	$3,100	$2.81	24d	1	0.65mi
12015 Colony Ave Palm Beach Gardens, FL	3.0	2.0	1104	$3,100	$2.81	22d	1	0.65mi
3630 Gardens Pkwy Unit 1104C Palm Beach Gardens, FL	2.0	2.5	1831	$5,250	$2.87	19d	1	0.68mi
3630 Gardens Pkwy Unit 1004C Palm Beach Gardens, FL	2.0	2.5	1831	$5,000	$2.73	24d	1	0.68mi
11021 Legacy Ln #303 Palm Beach Gardens, FL	2.0	2.0	1403	$2,950	$2.10	24d	1	0.79mi
11023 Legacy Ln #204 Palm Beach Gardens, FL	2.0	2.0	1309	$3,500	$2.67	24d	1	0.81mi
222 E Tall Oaks Cir Palm Beach Gardens, FL	3.0	2.0	1577	$5,000	$3.17	22d	1	0.81mi
11900 Valencia Gardens Ave Palm Beach Gardens, FL	1.0–3.0	1.0–2.0	980	$3,002	$3.06	1d	18	0.84mi
3745 Atlantic Rd Unit 3745 Palm Beach Gardens, FL	4.0	2.0	1119	$2,900	$2.59	24d	1	0.85mi
160 Lost Bridge Dr Palm Beach Gardens, FL	3.0	2.0	1826	$4,500	$2.46	15d	1	0.86mi
11011 Legacy Dr #306 Palm Beach Gardens, FL	2.0	2.0	1403	$4,350	$3.10	24d	1	0.89mi
106 Renaissance Dr West Palm Beach, FL	3.0	3.0	2021	$6,000	$2.97	24d	1	0.90mi
3640 Gull Rd Palm Beach Gardens, FL	3.0	2.0	1382	$2,975	$2.15	7d	1	0.91mi
10201 Chapman Oak Ct Palm Beach Gardens, FL	2.0	2.0	1152	$4,000	$3.47	24d	1	0.95mi
11024 Legacy Dr #104 Palm Beach Gardens, FL	2.0	2.0	1345	$6,000	$4.46	24d	1	0.98mi
3818 Everglades Rd Palm Beach Gardens, FL	4.0	1.5	1381	$3,000	$2.17	24d	1	1.00mi
11028 Legacy Dr #203 Palm Beach Gardens, FL	2.0	2.0	1309	$4,000	$3.06	24d	1	1.00mi
3660 RCA Blvd Palm Beach Gardens, FL	1.0–2.0	1.0–2.0	1524	$6,849	$4.49	1d	30	1.01mi
7102 Geminata Oak Ct Unit 7102 Palm Beach Gardens, FL	2.0	2.0	1152	$3,200	$2.78	7d	1	1.02mi
2415 Laurel Ln West Palm Beach, FL	2.0	2.5	1916	$8,500	$4.44	24d	1	1.03mi
2100 PGA Blvd Palm Beach Gardens, FL	1.0–3.0	1.0–2.0	1044	$3,509	$3.36	1d	10	1.06mi
1891 Juno Landing Ln North Palm Beach, FL	3.0	2.5	2138	$5,450	$2.55	4d	1	1.07mi
1950 Juno Landing Ln North Palm Beach, FL	3.0	2.5	2138	$4,950	$2.32	17d	1	1.07mi
700 Sanctuary Cove Dr West Palm Beach, FL	1.0–3.0	1.0–2.0	1120	$3,167	$2.83	1d	55	1.09mi
418 Capistrano Dr Palm Beach Gardens, FL	3.0	2.5	1570	$3,600	$2.29	24d	1	1.15mi
3955 Design Center Dr Palm Beach Gardens, FL	3.0	1.0–2.0	996	$4,108	$4.12	2d	25	1.16mi
4128 Chestnut Ave Palm Beach Gardens, FL	3.0	2.0	1646	$3,900	$2.37	20d	1	1.16mi
4128 Chestnut Ave Palm Beach Gardens, FL	3.0	2.0	1646	$3,900	$2.37	24d	1	1.16mi

HOA detail

• Monthly dues: $1,563 · $18,756/yr
• Likely covers: waterelectric

Listing history 13 events

1. 2026-06-18
   days on market $134,000 Active 18 DOM
2. 2026-06-17
   days on market $134,000 Active 17 DOM
3. 2026-06-16
   days on market $134,000 Active 16 DOM
4. 2026-06-15
   days on market $134,000 Active 15 DOM
5. 2026-06-13
   days on market $134,000 Active 13 DOM
6. 2026-06-09
   days on market $134,000 Active 9 DOM
7. 2026-06-08
   days on market $134,000 Active 8 DOM
8. 2026-06-07
   days on market $134,000 Active 7 DOM
9. 2026-06-04
   days on market $134,000 Active 4 DOM
10. 2026-06-03
    days on market $134,000 Active 3 DOM
11. 2026-06-02
    days on market $134,000 Active 2 DOM
12. 2026-06-01
    remarks 695-char remark
13. 2026-06-01
    listed $134,000 Active 1 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 5/10 Major FEMA zone X (shaded) · 24% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 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 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $45,385
• − Mortgage interest: −$7,506
• − Property taxes: −$2,010
• − Insurance: −$670
• − Repairs & maintenance: −$3,631
• − Management: −$3,631
• − HOA: −$18,756
• − Depreciation: −$3,898
• Taxable income: $5,283
• Est. tax owed @ 24.0%: −$1,268
• After-tax cash flow: $4,718/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

Average 55/100 Cosmetic rehab

This home is in average condition with some minor repairs and maintenance needed. It has a good layout and potential for value increases with updates.

Repairs flagged

• Minor Kitchen cabinets — No visible damage to the cabinets.
• Minor Bathroom fixtures — No visible damage to the fixtures.
• Minor Flooring — No visible damage to the flooring.
• Minor Paint — No visible damage to the paint on the walls and ceiling.

Value-add opportunities

• Resale Paint kitchen cabinets — Fresh paint can make the kitchen appear more modern and appealing.
• Resale Replace kitchen countertops — New countertops can add value and functionality to the kitchen.
• Resale Replace bathroom fixtures — Upgraded fixtures can make the bathrooms more appealing and functional.
• Rental Replace living room carpet — Fresh carpet can make the living room more inviting and comfortable for tenants.
• Both Landscaping and curb appeal — A well-maintained exterior can enhance the home's curb appeal and attract more buyers/tenants.

Renovation cost estimate screening

Repair item	Severity	Est. cost
Kitchen cabinets · No visible damage to the cabinets.	Minor	$500–3,000
Bathroom fixtures · No visible damage to the fixtures.	Minor	$500–3,000
Flooring · No visible damage to the flooring.	Minor	$500–3,000
Paint · No visible damage to the paint on the walls and ceiling.	Minor	$500–3,000
Total estimated repair cost · 4 items		$2,000–12,000

Value-add ROI direction

• Resale Paint kitchen cabinets — Fresh paint can make the kitchen appear more modern and appealing. ↑
• Resale Replace kitchen countertops — New countertops can add value and functionality to the kitchen. ↑
• Resale Replace bathroom fixtures — Upgraded fixtures can make the bathrooms more appealing and functional. ↑
• Rental Replace living room carpet — Fresh carpet can make the living room more inviting and comfortable for tenants. ↑
• Both Landscaping and curb appeal — A well-maintained exterior can enhance the home's curb appeal and attract more buyers/tenants. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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 — Palm Beach Gardens

• Score: 69/100
• State rank: #464
• US rank: #8366

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: Palm Beach Gardens, FL
• County: Palm Beach County · 1,438,312 people
• City population: 96,294
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 36,759
• Household income: $94,530
• Rent vs Own: 27.7% rent · 72.3% own
• Severe rent burden: 1429.0

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 15% Two or more races 13% Black 5% Asian 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2% Cuban 3%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 17% · Canada, Jamaica, Vietnam
• Languages at home: 78% English-only · Spanish 13% French/Haitian/Cajun 3% Other Indo-European 2%

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: ▼ -346.12%
• Current HPI: 375.5381
• Rent YoY: ▲ 2.49%
• 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

1 event — show timeline

• 2026-05-29 Listed $134,000 MCRTC