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2057 SE Crosswood Way
F Composite 34.68
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).

  • ARV discount +8.5/15.0
  • Cash flow +6.4/30.0
  • Schools +4.9/10.0
  • Condition / age +4.8/5.0
  • Rent growth +3.6/5.0
  • 1% rule +3.4/10.0
  • Livability +2.5/5.0
  • DSCR +0.7/10.0
  • Appreciation +0.0/10.0

$350,000

2057 SE Crosswood Way · Port St. Lucie, FL 34984
3 bd · 2.0 ba · 1,757 sqft · SingleFamily public records · 33 Days on market
Built 2024 Excellent condition 4,680 sqft lot 2-car garage $199/sqft · at area comps Est $358k · at est. $260/mo HOA · 9% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Better Than New — Professionally Designed & Thoughtfully Upgraded Welcome to this beautifully upgraded, move-in-ready home offering the perfect blend of modern style, functional living, and designer finishes throughout. Built with a spacious open-concept floor plan and enhanced well beyond the builder standard package, this home stands out from the moment you walk in. The expansive Great Room flows seamlessly into the gourmet kitchen and dining area, creating an ideal space for entertaining and everyday living. Large sliding doors open to the screened-in lanai, extending your living space outdoors while providing the perfect place to relax year-round. The private Owner’s Suite is tucked away at the rear of the home and includes a spa-inspired bath with dual vanities, a walk-in shower, private water closet, and an oversized walk-in closet. Two additional bedrooms are located on the opposite side of the home, providing privacy for family or guests. A versatile flex space near the center of the home can be used as a home office, playroom, study, or fitness area. Just two years old, this home is conveniently located around the corner from the clubhouse.

Key facts

  • Dual vanities
  • Screened-in lanai
  • Custom molding

Tags

GOURMET KITCHENSCREENED-IN LANAIDUAL VANITIESWALK-IN SHOWEROVERSIZED WALK-IN CLOSETCUSTOM MOLDING

Neighborhood map

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/2.0-bath single-family listed at $350k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $-608 ($-7k/yr) — negative.
  • To cash-flow at today's rent, offer at most $243k (30.7% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $294k (15.9% below list).
  • Recommended offer: $243k (30.7% below list) — sets the bar for cash-flow.

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: 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 fast (+4.5%/yr); 421 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals lingering (median 73d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 95% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
  • This rent runs 44% of the median local income ($81k/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 $2k of loan paydown is wiped out by about $10k 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 33 days — a 3% lower offer ($340k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 2y ago 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.
Recommended offer $242,637 (30.7% 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. It's been on market 33 days. Have you received any prior offers? Is the seller open to a 31% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  6. 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.
  7. 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.
  8. 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
0.84%
Cap rate
4.21%
Cash-on-cash
-7.44%
DSCR
0.67
GRM
9.9

CMA / ARV

ARV (median comp)
$357,554
List price
$350,000
Delta
-2.11%
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
13849 SE Land Grv St 0.27mi 3/2.0 1,758 (+0%) 2mo $375,000 $213 85
361 SE Filoli Dr 0.15mi 3/2.0 1,695 (-4%) 3mo $445,000 $263 84
373 SE Filoli Dr 0.18mi 3/2.0 1,662 (-5%) 1mo $438,000 $264 82
519 SE Villandry Way 0.36mi 3/2.0 1,671 (-5%) 2mo $440,000 $263 73
1365 SE Woodbine Rd 0.33mi 3/2.0 1,610 (-8%) 1mo $422,430 $262 70
524 SE Mulberry Way 0.66mi 3/2.0 1,693 (-4%) 3mo $379,000 $224 61
239 SE Courances Dr 0.63mi 2/2.0 (-1) 1,695 (-4%) 2mo $450,000 $265 58
517 SE Twisted Bark Way 0.56mi 3/2.0 1,610 (-8%) 3mo $400,000 $248 58
564 SE Monet Dr 0.71mi 2/2.0 (-1) 1,695 (-4%) 3mo $385,000 $227 54
348 SE Courances Dr 0.58mi 4/3.0 (+1) 1,972 (+12%) 0mo $550,000 $279 44
540 SE Monet Dr 0.72mi 3/2.0 2,020 (+15%) 2mo $422,500 $209 39
488 SE Fascino Cir 0.70mi 3/2.5 2,013 (+15%) 2mo $449,000 $223 39

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 · 4.54% rent growth · sell at horizon

5-year hold
IRR
-27.0%
Equity multiple
0.08×
Total profit
$-90,432
Equity at exit
$52,186
10-year hold
IRR
-18.8%
Equity multiple
-0.10×
Total profit
$-107,514
Equity at exit
$30,262

Cash invested: $98,000 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
37 active · 20 under contract
Months of supply
7.4 mo (14%/mo absorbed)
Median asking
$499,000 ($260/sqft)
Median days on market
104 d
This list price
8% of active listings are priced below it
ARV vs active asking
-21.6% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34984

Home prices YoY
-24.5%
Rents YoY
4.5%
Active inventory
421
Price-to-rent
9.9×

Monthly cashflow live

Estimated rent
$2,944 high interval (Pro) →
Mortgage (P&I)
$1,835
Tax from tax record
$692 /mo · $8,305/yr
Insurance
$146
HOA
$260
Vacancy / Maint / Mgmt
$618
Net cashflow
$-608

Break-even live

Break-even rent $3,713
Max offer price $242,637
Occupancy floor

Sensitivity live

Price -10% $-410 -5% $-509 +0% $-608 +5% $-707 +10% $-806
Rent -10% $-840 -5% $-724 +0% $-608 +5% $-491 +10% $-375
Rate -1.0pp $-431 -0.5pp $-519 base $-608 +0.5pp $-698 +1.0pp $-791

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
$87,500
Closing costs
$10,500
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 20 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
13885 SE Riversway St Port Saint Lucie, FL 3.0 3.0 2032 $3,150 $1.55 72d 1 0.12mi
845 SE Courances Dr Port Saint Lucie, FL 4.0 2.0 2468 $3,600 $1.46 15d 1 0.18mi
1769 SE Crosswood Way Port Saint Lucie, FL 3.0 2.0 1758 $2,235 $1.27 72d 1 0.27mi
471 SE Vallarta Dr Port Saint Lucie, FL 4.0 2.0 1914 $3,400 $1.78 63d 1 0.29mi
540 SE Monet Dr Port Saint Lucie, FL 3.0 2.0 2020 $3,500 $1.73 63d 1 0.72mi
13456 Harbour Ridge Blvd Unit 4A Palm City, FL 2.0 2.0 1618 $8,000 $4.94 72d 1 0.81mi
90 SE Collins Ln Port Saint Lucie, FL 1.0–3.0 1.0–2.0 1003 $2,749 $2.74 63d 13 0.81mi
410 SE Crossoak Ln Port Saint Lucie, FL 3.0 2.5 1632 $2,250 $1.38 72d 1 0.88mi
503 SE Rivergrass St Port Saint Lucie, FL 3.0 2.5 1821 $2,500 $1.37 72d 1 0.89mi
13226 Harbour Ridge Blvd Unit 5B Palm City, FL 2.0 2.0 1618 $8,000 $4.94 72d 1 0.90mi
206 SE Woodbark St Unit 206 Port St. Lucie, FL 3.0 2.5 1632 $2,500 $1.53 72d 1 0.90mi
697 SE Fascino Cir Port Saint Lucie, FL 3.0 2.0 2004 $3,400 $1.70 70d 1 0.91mi
652 SE Lake Falls St Port Saint Lucie, FL 3.0 2.5 1635 $2,400 $1.47 63d 1 0.91mi
514 SE Rivergrass St Port Saint Lucie, FL 4.0 2.5 1900 $2,800 $1.47 72d 1 0.91mi
13268 Harbour Ridge Blvd Unit 2A Palm City, FL 3.0 2.0 1749 $8,500 $4.86 63d 1 0.95mi
229 SE Woodbark St Port Saint Lucie, FL 3.0 2.5 1821 $2,600 $1.43 63d 1 0.96mi
868 SE Grovebush Ln Port Saint Lucie, FL 3.0 2.5 1632 $2,400 $1.47 72d 1 0.99mi
662 Becker Rd Port St. Lucie, FL 3.0 1.0–2.0 1095 $3,124 $2.85 63d 29 1.00mi
2108 NW Greenbriar Ln Palm City, FL 3.0 2.0 1955 $8,950 $4.58 72d 1 1.02mi
13009 Harbour Ridge Blvd Palm City, FL 3.0 2.5 1756 $9,500 $5.41 63d 1 1.14mi

Property features AI

Finance

Financial info
Pets allowed with restrictions on breed, number and sizeSenior community
HOA & community
Homeowners association with monthly feeHOA amenities include clubhouse, fitness center, pool, tennis courts, pickleball courts, bocce ball, community room, maintained community, sidewalks, street lights, gated access, on-site manager/management, parkingHOA fee is collected monthly and includes insurance, grounds maintenance, pest control, security, common area maintenance, common real estate tax, legal/accounting, reserve funds, recreation facility and pool service

Exterior

Parking
Attached 2-car garage with garage door openerDrivewayTwo covered parking spaces (total 4 parking spaces)
Security
Fire alarmSmoke detectors
Utilities
Public waterPublic sewerElectricity connectedNatural gas connectedSewer connected
Home design
VillaOne-storyResale propertyFaces northeast
Construction
CBS constructionShingle roofBuilt as a single-story structure
Exterior features
Covered patioScreened patioPatioNot waterfront

Interior

Kitchen
DishwasherElectric rangeMicrowaveRefrigerator
Bedrooms
Three bedrooms on the main level
Flooring
CarpetCeramic tileTile
Bathrooms
Two full bathrooms
Heating & cooling
Central electric heatingCentral air conditioningCeiling fans
Interior features
High ceilingsKitchen islandWalk-in closet(s)Storm windows
Laundry & utility
Laundry room with inside electric dryer hookup

HOA detail $260/mo · $3,120/yr

Likely covers
water

Listing history 50 events

  1. 2026-08-08
    days on market $350,000 Active 33 DOM
  2. 2026-08-07
    days on market $350,000 Active 32 DOM
  3. 2026-08-06
    days on market $350,000 Active 31 DOM
  4. 2026-08-05
    days on market $350,000 Active 30 DOM
  5. 2026-08-04
    days on market $350,000 Active 29 DOM
  6. 2026-08-03
    days on market $350,000 Active 28 DOM
  7. 2026-07-31
    days on market $350,000 Active 25 DOM
  8. 2026-07-30
    days on market $350,000 Active 24 DOM
  9. 2026-07-29
    days on market $350,000 Active 23 DOM
  10. 2026-07-27
    days on market $350,000 Active 21 DOM
  11. 2026-07-25
    days on market $350,000 Active 19 DOM
  12. 2026-07-24
    days on market $350,000 Active 18 DOM
  13. 2026-07-23
    days on market $350,000 Active 17 DOM
  14. 2026-07-22
    days on market $350,000 Active 16 DOM
  15. 2026-07-21
    days on market $350,000 Active 15 DOM
  16. 2026-07-18
    days on market $350,000 Active 12 DOM
  17. 2026-07-16
    days on market $350,000 Active 10 DOM
  18. 2026-07-16
    days on market $350,000 Active 9 DOM
  19. 2026-07-14
    days on market $350,000 Active 8 DOM
    Show marketing remark (1259 chars)

    Better Than New — Professionally Designed & Thoughtfully Upgraded Welcome to this beautifully upgraded, move-in-ready home offering the perfect blend of modern style, functional living, and designer finishes throughout. Built with a spacious open-concept floor plan and enhanced well beyond the builder standard package, this home stands out from the moment you walk in. The expansive Great Room flows seamlessly into the gourmet kitchen and dining area, creating an ideal space for entertaining and everyday living. Large sliding doors open to the screened-in lanai, extending your living space outdoors while providing the perfect place to relax year-round. The private Owner’s Suite is tucked away at the rear of the home and includes a spa-inspired bath with dual vanities, a walk-in shower, private water closet, and an oversized walk-in closet. Two additional bedrooms are located on the opposite side of the home, providing privacy for family or guests. A versatile flex space near the center of the home can be used as a home office, playroom, study, or fitness area. Just two years old, this home is conveniently located around the corner from the clubhouse. Premium Upgrades Include: •

  20. 2026-07-13
    days on market $350,000 Active 7 DOM
  21. 2026-07-12
    days on market $350,000 Active 6 DOM
  22. 2026-07-11
    days on market $350,000 Active 5 DOM
  23. 2026-07-10
    days on market $350,000 Active 4 DOM
  24. 2026-07-09
    days on market $350,000 Active 3 DOM
  25. 2026-07-08
    days on market $350,000 Active 2 DOM
  26. 2026-07-07
    remarks 699-char remark
  27. 2026-07-07
    pricedays on marketlisting id $350,000 Active 1 DOM
  28. 2026-07-06
    days on market $359,000 Active 41 DOM
  29. 2026-07-05
    days on market $359,000 Active 40 DOM
  30. 2026-07-04
    days on market $359,000 Active 39 DOM
  31. 2026-07-03
    days on market $359,000 Active 38 DOM
  32. 2026-07-02
    days on market $359,000 Active 37 DOM
  33. 2026-07-01
    days on market $359,000 Active 36 DOM
  34. 2026-06-30
    days on market $359,000 Active 35 DOM
  35. 2026-06-29
    days on market $359,000 Active 34 DOM
  36. 2026-06-28
    days on market $359,000 Active 33 DOM
  37. 2026-06-28
    days on market $359,000 Active 32 DOM
  38. 2026-06-27
    days on market $359,000 Active 31 DOM
  39. 2026-06-25
    days on market $359,000 Active 29 DOM
  40. 2026-06-23
    days on market $359,000 Active 27 DOM
  41. 2026-06-21
    days on market $359,000 Active 26 DOM
  42. 2026-06-18
    days on market $359,000 Active 23 DOM
  43. 2026-06-17
    days on market $359,000 Active 22 DOM
  44. 2026-06-16
    days on market $359,000 Active 21 DOM
  45. 2026-06-15
    days on market $359,000 Active 20 DOM
  46. 2026-06-14
    days on market $359,000 Active 18 DOM
  47. 2026-06-13
    days on market $359,000 Active 17 DOM
  48. 2026-06-10
    days on market $359,000 Active 15 DOM
  49. 2026-06-09
    days on market $359,000 Active 14 DOM
  50. 2026-06-08
    days on market $359,000 Active 13 DOM

ⓘ 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
$8,305 · $692/mo
Projected year-2 tax
$8,305 · $692/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$35,325
− Mortgage interest
−$19,605
− Property taxes
−$8,305
− Insurance
−$1,750
− Repairs & maintenance
−$2,826
− Management
−$2,826
− HOA
−$3,120
− Depreciation
−$10,182
Taxable loss
−$13,289
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$3,189
After-tax cash flow
$-4,104/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 · 1 photo

Excellent 95/100 None rehab

This move-in-ready home is in excellent condition with no visible repairs needed. It offers a great blend of modern style and functionality, making it an attractive investment.

Value-add opportunities

  • Both Painting exterior and interior — Enhances curb appeal and interior aesthetics
  • Both Landscaping improvements — Enhances curb appeal and adds value
  • Both New flooring in bathrooms — Improves aesthetics and functionality
  • Both New kitchen appliances — Enhances functionality and appeal
F Composite school gradezoned avg 48/100

Zoned Schools

Elementary Morningside Elementary School A- FL #364/2,144 Nat'l #3,487/41,679 Middle Southport Middle School D+ FL #300/571 Nat'l #4,433/14,009 High Fort Pierce Central High School F FL #441/667 Nat'l #10,947/17,239

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)
20,151
Household income
$80,725
Rent vs Own
15.8% rent · 84.2% own
Severe rent burden
22% 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 0.62)
Race & ethnicity
White 55% Black 20% Hispanic / Latino 18% Two or more races 8% Asian 2%
Hispanic origin (detail)
Mexican 1% Puerto Rican 8% Cuban 3%
Common ancestry
Hispanic 2% Romanian 1% Scotch-Irish 1%
Foreign-born
15% · Canada, Jamaica, China
Languages at home
77% English-only · Spanish 15% French/Haitian/Cajun 5% Other Indo-European 1%

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

Price history

+0.0% since first listed
7 events — show timeline
  • 2026-07-14 Price Changed $350,000 FSBO.com
  • 2026-07-06 Listed $350,000 Beaches MLS
  • 2026-05-27 Listed $359,000 FSBO.com
  • 2024-08-13 Listing Removed Beaches MLS
  • 2024-05-29 Sold (MLS) $350,000 Beaches MLS
  • 2024-05-15 Pending Beaches MLS
  • 2024-04-15 Listed $350,000 Beaches MLS

Property tax history

+116.3%/yr

Latest (2025): $8,305 · +116.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…