2555 Pga Blvd #421 · Palm Beach Gardens, FL 33410

$130,000

2 bd · 2.0 ba · 1,250 sqft · Manufactured · 99 Days on market

Built 1985 8,276 sqft lot $1500/mo HOA · 44% of rent ↓ 31% since listing

---

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 +25.7/30.0
• 1% rule +10.0/10.0
• DSCR +8.6/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Just Reduced !!! Prime location in Palm Beach Gardens, ALL AGES. Beautifully renovated home with high end finishes just waiting for a buyer that appreciates quality. Spacious Open floor plan with a huge kitchen , dining area off the living space, attached Florida room . This home offers a NEW ROOF 2025,NEW KITCHEN 2025 with Stainless Appliances , New Wood Kitchen Cabinets, New Plumbing , New Electrical including the electrical panel, New Hot water heater, New washer/dryer combo. Master suite has a beautiful Jacuzzi tub and Marble finishes. 2nd Bath also renovated . NEW FLOORING. Enjoy the outdoors on your private Florida room . Cut-de-sac Street . Community offers a Clubhouse, Resort Style

Key facts

• New kitchen
• New plumbing
• Stainless appliances

Tags

• PRIME LOCATION
• NEW ROOF
• NEW KITCHEN
• STAINLESS APPLIANCES
• NEW WOOD KITCHEN CABINETS
• NEW PLUMBING

Property features AI

Finance

• Other: Pets allowed (with number and size limits)
• HOA & community: Homeowners association with an annual fee of $1,500; HOA covers common areas, cable TV, laundry, grounds maintenance, recreation facilities, sewer, taxes, trash and water; Community amenities include clubhouse, fitness center, pool, playground, basketball court, shuffleboard, billiard room, game room, barbecue, bicycle storage, kitchen facilities, laundry facilities and non-gated access

Exterior

• Parking: Detached carport; 2 total parking spaces (2 covered)
• Utilities: Electricity connected
• Home design: Manufactured home; Single-story
• Construction: Manufactured construction; Resale
• Exterior features: Community pool

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 2-bed/2.0-bath manufactured listed at $130k.

Deal economics

• At list price, monthly cash flow is $312 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $130k).
• Recommended offer: $118k (9.0% 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 24d 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).
• This rent runs 44% of the median local income ($95k/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 $899 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.

Negotiation context

• It's been on market 99 days — a 9% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $19k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 44% 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 $118,300 (9.0% below list)

Questions for the listing agent

1. It's been on market 99 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 2.64% ✓
• Cap rate: 9.17%
• Cash-on-cash: 10.27%
• DSCR: 1.46
• GRM: 3.2

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: -1.5%
• Equity multiple: 0.94×
• Total profit: $-2,002
• Equity at exit: $19,383

10-year hold

• IRR: 7.7%
• Equity multiple: 1.57×
• Total profit: $20,647
• Equity at exit: $11,240

Cash invested: $36,400 (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: 3.2×

Monthly cashflow live

• Estimated rent: $3,430 high
• Mortgage (P&I): −$682
• Tax est. 1.5%: −$162 /mo · $1,950/yr
• Insurance: −$54
• HOA: −$1,500
• Vacancy / Maint / Mgmt: −$720
• Net cashflow: $312

Break-even live

Break-even rent $3,036

Max offer price $130,000

Occupancy floor 86%

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: $32,500
• Closing costs: $3,900
• 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	0.19mi
2813 Grande Pkwy #109 Palm Beach Gardens, FL	3.0	2.0	1278	$2,818	$2.21	24d	1	0.24mi
2805 Veronia Dr Palm Beach Gardens, FL	3.0	2.0	1361	$3,000	$2.20	24d	1	0.31mi
2802 Sarento Pl #204 Palm Beach Gardens, FL	2.0	2.0	1092	$3,500	$3.21	24d	1	0.32mi
2395 Idlewild Rd Palm Beach Gardens, FL	3.0	2.0	1476	$4,500	$3.05	22d	1	0.35mi
2916 Tuscany Ct Palm Beach Gardens, FL	3.0	2.0	1278	$2,818	$2.21	24d	1	0.38mi
2916 Tuscany Ct #201 Palm Beach Gardens, FL	2.0	2.0	1149	$3,200	$2.79	3d	1	0.38mi
2388 S Wallen Dr West Palm Beach, FL	3.0	2.0	1296	$4,500	$3.47	24d	1	0.40mi
3019 Alcazar Pl #107 Palm Beach Gardens, FL	1.0	1.0	1000	$2,900	$2.90	24d	1	0.41mi
3019 Alcazar Pl #107 Palm Beach Gardens, FL	1.0	1.0	1000	$3,000	$3.00	22d	1	0.41mi
2396 Easy St Unit A Palm Beach Gardens, FL	2.0	1.0	948	$3,500	$3.69	24d	1	0.54mi
3270 Grove Rd Unit 1326860P Palm Beach Gardens, FL	3.0	2.0	1496	$5,047	$3.37	7d	1	0.74mi
160 Lost Bridge Dr Palm Beach Gardens, FL	3.0	2.0	1826	$4,500	$2.46	15d	1	0.81mi
2100 PGA Blvd Palm Beach Gardens, FL	1.0–3.0	1.0–2.0	1044	$3,062	$2.93	1d	10	0.83mi
12015 Colony Ave Palm Beach Gardens, FL	3.0	2.0	1104	$3,100	$2.81	24d	1	0.86mi
12015 Colony Ave Palm Beach Gardens, FL	3.0	2.0	1104	$3,100	$2.81	22d	1	0.86mi
222 E Tall Oaks Cir Palm Beach Gardens, FL	3.0	2.0	1577	$5,000	$3.17	22d	1	0.87mi
3610 Gardens Pkwy Unit 402A Palm Beach Gardens, FL	2.0	2.5	1831	$5,500	$3.00	24d	1	0.89mi
3630 Gardens Pkwy Unit 1104C Palm Beach Gardens, FL	2.0	2.5	1831	$5,250	$2.87	18d	1	0.92mi
3630 Gardens Pkwy Unit 1004C Palm Beach Gardens, FL	2.0	2.5	1831	$5,000	$2.73	24d	1	0.92mi
1827 Len Dr North Palm Beach, FL	2.0	1.0	1600	$5,500	$3.44	2d	1	0.94mi
1827 Len Dr North Palm Beach, FL	2.0	1.0	1600	$5,500	$3.44	1d	1	0.94mi
700 Sanctuary Cove Dr West Palm Beach, FL	1.0–3.0	1.0–2.0	1120	$2,602	$2.32	1d	55	0.99mi
11021 Legacy Ln #303 Palm Beach Gardens, FL	2.0	2.0	1403	$2,950	$2.10	24d	1	1.00mi
49 Uno Lago Dr Juno Beach, FL	2.0	2.5	1494	$5,500	$3.68	24d	1	1.00mi
11023 Legacy Ln #204 Palm Beach Gardens, FL	2.0	2.0	1309	$3,500	$2.67	24d	1	1.01mi
1869 Circle Dr North Palm Beach, FL	2.0	2.0	1216	$3,400	$2.80	12d	1	1.01mi
1718 Ridge Rd North Palm Beach, FL	2.0	2.0	900	$2,950	$3.28	24d	1	1.01mi
827 Oak Harbour Dr Juno Beach, FL	2.0	2.0	1301	$4,200	$3.23	24d	1	1.03mi
318 Oak Harbour Dr #318 Juno Beach, FL	2.0	2.0	1533	$4,000	$2.61	24d	1	1.03mi
11011 Legacy Dr #306 Palm Beach Gardens, FL	2.0	2.0	1403	$4,350	$3.10	24d	1	1.07mi
11900 Valencia Gardens Ave Palm Beach Gardens, FL	1.0–3.0	1.0–2.0	980	$2,591	$2.64	1d	18	1.07mi
10201 Chapman Oak Ct Palm Beach Gardens, FL	2.0	2.0	1152	$4,000	$3.47	24d	1	1.08mi
11521 Landing Pl Unit E1 North Palm Beach, FL	2.0	2.0	1130	$7,000	$6.19	24d	1	1.08mi
925 Bay Colony Dr S Juno Beach, FL	2.0	2.0	1590	$6,500	$4.09	24d	1	1.08mi
382 Golfview Rd Unit C North Palm Beach, FL	2.0	2.0	1513	$2,950	$1.95	24d	1	1.09mi
431 Bay Colony Dr N Juno Beach, FL	3.0	3.0	1859	$5,500	$2.96	24d	1	1.09mi
300 Uno Lago Dr Juno Beach, FL	2.0–3.0	2.0	1319	$3,000	$2.27	3d	1	1.10mi
800 Uno Lago Dr #305 Juno Beach, FL	3.0	2.0	1446	$5,000	$3.46	24d	1	1.10mi
3640 Gull Rd Palm Beach Gardens, FL	3.0	2.0	1382	$2,975	$2.15	7d	1	1.10mi

HOA detail

• Monthly dues: $1,500 · $18,000/yr
• Likely covers: waterelectric

Listing history 13 events

1. 2026-06-04
   days on market $130,000 Active 99 DOM
2. 2026-06-03
   days on market $130,000 Active 98 DOM
3. 2026-06-02
   days on market $130,000 Active 97 DOM
4. 2026-06-01
   days on market $130,000 Active 96 DOM
5. 2026-05-31
   days on market $130,000 Active 95 DOM
6. 2026-05-01
   price $130,000
7. 2026-04-28
   status Active
8. 2026-03-10
   status Pending
9. 2026-01-05
   listed $149,000 Active
10. 2025-12-07
    historical
11. 2025-10-11
    price $160,000
12. 2025-09-09
    price $175,000
13. 2025-07-11
    listed $189,000 Active

ⓘ 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: $41,163
• − Mortgage interest: −$7,282
• − Property taxes: −$1,950
• − Insurance: −$650
• − Repairs & maintenance: −$3,293
• − Management: −$3,293
• − HOA: −$18,000
• − Depreciation: −$3,782
• Taxable income: $2,913
• Est. tax owed @ 24.0%: −$699
• After-tax cash flow: $3,039/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: 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

-31.2% since first listed

8 events — show timeline

• 2026-05-01 Price Changed $130,000 MCRTC
• 2026-04-28 Relisted — MCRTC
• 2026-03-10 Pending — MCRTC
• 2026-01-05 Listed $149,000 MCRTC
• 2025-12-07 Listing Removed — Beaches MLS
• 2025-10-11 Price Changed $160,000 Beaches MLS
• 2025-09-09 Price Changed $175,000 Beaches MLS
• 2025-07-11 Listed $189,000 Beaches MLS