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134 Upminster F
C Composite 57.5
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 +22.5/30.0
  • 1% rule +7.5/10.0
  • DSCR +7.5/10.0
  • ARV discount +7.5/15.0
  • Schools +4.0/10.0
  • Livability +3.8/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.2/5.0
  • Appreciation +0.0/10.0

$60,000

134 Upminster F · Deerfield Beach, FL 33442
1 bd · 2.0 ba · 703 sqft · Townhouse public records · 466 Days on market
55+ age-restricted Built 1976 Fair condition $85/sqft · 51% below area $533/mo HOA · 33% of rent

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

Listing remarks

* * MOTIVATED SELLER * * Discover the perfect opportunity to customize your dream home in the heart of Deerfield Beach, FL! This 1-bedroom, 1.1-bathroom second-floor condo in Century Village offers 700 sq. ft. of living space, ready for your personal touch. Located in a gated and guarded 55+ community, this unit needs TLC but presents endless potential. Enjoy resort-style amenities, including a clubhouse, swimming pools, hot tub, pickleball courts, putting green, a grill area, and MORE—perfect for an active and social lifestyle. Plus, it's conveniently close to houses of worship and everything else Deerfield Beach offers.

Key facts

  • Gated community
  • Clubhouse
  • Hot tub

Tags

GATED COMMUNITYCLUBHOUSESWIMMING POOLSHOT TUBPICKLEBALL COURTSPUTTING GREEN

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
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What this means for you Summary

Snapshot

  • This is a 1-bed/2.0-bath townhouse listed at $60k. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $265 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $60k).
  • Recommended offer: $53k (12.0% below list) — sets the bar for market timing.
  • Cap rate 11.6% vs local median 4.2% in Deerfield Beach — 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 75/100 on livability (#250 in FL, #3,970 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, cost of living A; Watch: amenities D-, employment D-.
  • Broward (suburban): math 42% / reading 53% proficiency, ranked #46 of 73 in FL (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Quiet Waters Elementary School (math 40% / reading 48%, grade F, #1,330 of 2,144 statewide, top 63%, 1,128 students, 62% FRL); Lyons Creek Middle School (math 49% / reading 53%, grade C, #237 of 571 statewide, top 43%, 1,757 students, 60% FRL); Deerfield Beach High School (math 12% / reading 37%, grade F, #505 of 667 statewide, top 79%, 2,251 students, 69% FRL).
  • Market conditions: Rents flat; 671 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 57d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 72% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,111 units permitted in Broward County in 2024 (1,265 in 5+ unit buildings).
  • This rent runs 37% of the median local income ($53k/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 $415 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Broward County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 466 days — a 12% lower offer ($53k) is reasonable based on typical stale-listing flexibility.
  • Current owner paid $24k; list at $60k implies a 145% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: property tax is 3.0% of price; HOA is 33% of rent.
Recommended offer $52,800 (12.0% below list)

Questions for the listing agent

  1. It's been on market 466 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  3. Built in 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  5. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  8. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  9. 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.
  10. 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.
  11. 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
2.72%
Cap rate
11.60%
Cash-on-cash
18.94%
DSCR
1.84
GRM
3.1

CMA / ARV

ARV (median comp)
$122,552
List price
$60,000
Delta
-51.04%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
29 Richmond D #29 0.29mi 1/1.5 700 (-0%) 1mo $48,500 $69 83
2144 Cambridge G 0.37mi 1/1.5 700 (-0%) 2mo $139,000 $199 78
126 Grantham B #126 0.35mi 1/2.0 719 (+2%) 3mo $88,000 $122 78
1146 Cambridge G 0.39mi 1/1.5 700 (-0%) 2mo $95,000 $136 77
3092 Westbury H #3092 0.29mi 1/1.5 738 (+5%) 0mo $80,000 $108 76
2123 Cambridge F 0.38mi 1/1.5 721 (+3%) 0mo $95,000 $132 76
1011 Westbury F #1011 0.37mi 1/1.5 738 (+5%) 0mo $65,000 $88 72
3012 Harwood C #3012 0.59mi 1/1.0 695 (-1%) 1mo $65,000 $94 66
427 Grantham B 0.35mi 1/2.0 770 (+10%) 3mo $117,500 $153 65
2024 Harwood C #2024 0.59mi 1/1.5 719 (+2%) 3mo $56,000 $78 64
3057 Harwood E #3057 0.72mi 1/1.5 738 (+5%) 3mo $68,500 $93 53
3023 Harwood C #3023 0.59mi 1/1.0 600 (-15%) 3mo $64,000 $107 42

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 · 0.1% rent growth · sell at horizon

5-year hold
IRR
4.8%
Equity multiple
1.17×
Total profit
$2,932
Equity at exit
$8,946
10-year hold
IRR
8.3%
Equity multiple
1.48×
Total profit
$7,988
Equity at exit
$5,188

Cash invested: $16,800 (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
228 active · 74 under contract
Months of supply
19.0 mo (5%/mo absorbed)
Median asking
$110,000 ($157/sqft)
Median days on market
112 d
This list price
4% of active listings are priced below it
ARV vs active asking
+11.1% above current asking $/sqft

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

ZIP-level market 33442

Rents YoY
0.1%
Active inventory
671
Price-to-rent
3.1×

Monthly cashflow live

Estimated rent
$1,633 high interval (Pro) →
Mortgage (P&I)
$315
Tax from tax record
$152 /mo · $1,829/yr
Insurance
$25
HOA
$533
Vacancy / Maint / Mgmt
$343
Net cashflow
$265

Break-even live

Break-even rent $1,298
Max offer price $60,000
Occupancy floor 79%

Sensitivity live

Price -10% $299 -5% $282 +0% $265 +5% $248 +10% $231
Rent -10% $136 -5% $201 +0% $265 +5% $330 +10% $394
Rate -1.0pp $295 -0.5pp $280 base $265 +0.5pp $250 +1.0pp $234

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
$15,000
Closing costs
$1,800
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 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
54 Upminster C Deerfield Beach, FL 1.0 1.0 593 $1,500 $2.53 17d 1 0.09mi
3016 Cambridge A Unit A Deerfield Beach, FL 1.0 1.5 700 $1,300 $1.86 32d 1 0.12mi
127 Westbury Cir Deerfield Beach, FL 1.0 1.0 585 $1,425 $2.44 73d 1 0.31mi
149 Westbury I #149 Deerfield Beach, FL 1.0 1.0 585 $1,700 $2.91 73d 1 0.32mi
30 Westbury B #30 Deerfield Beach, FL 1.0 1.0 585 $1,600 $2.74 14d 1 0.32mi
31 Westbury B #31 Deerfield Beach, FL 1.0 1.0 585 $1,500 $2.56 4d 1 0.33mi
178 Durham E Unit 178 Deerfield Beach, FL 1.0 1.0 593 $1,350 $2.28 60d 1 0.38mi
178 Durham E Unit 178 Deerfield Beach, FL 1.0 1.0 593 $1,350 $2.28 52d 1 0.38mi
98 Westbury E #98 Deerfield Beach, FL 1.0 1.0 585 $1,600 $2.74 73d 1 0.39mi
102 Westbury E #102 Deerfield Beach, FL 1.0 1.0 585 $1,900 $3.25 57d 1 0.39mi
98 Westbury E Unit E Deerfield Beach, FL 1.0 1.0 585 $1,600 $2.74 48d 1 0.39mi
125 Westbury E Deerfield Beach, FL 1.0 1.0 585 $1,600 $2.74 73d 1 0.41mi
137 Farnham F Deerfield Beach, FL 1.0 1.5 708 $2,000 $2.82 73d 1 0.47mi
384 Durham Cir Unit 384 Deerfield Beach, FL 1.0 1.0 593 $1,400 $2.36 73d 1 0.49mi
384 Durham Cir Unit 384 Deerfield Beach, FL 1.0 1.0 593 $1,400 $2.36 37d 1 0.49mi
137 Farnham F #137 Deerfield Beach, FL 1.0 1.5 700 $2,500 $3.57 73d 1 0.50mi
376 Durham L Deerfield Beach, FL 1.0 1.0 593 $1,490 $2.51 4d 1 0.50mi
329 Farnham P #329 Deerfield Beach, FL 1.0 1.5 700 $1,450 $2.07 73d 1 0.51mi
335 Farnham P Unit P Deerfield Beach, FL 1.0 1.5 700 $1,400 $2.00 43d 1 0.51mi
138 Farnham E Unit 138 Deerfield Beach, FL 1.0 1.0 595 $1,300 $2.18 1d 1 0.53mi
563 Durham T Deerfield Beach, FL 1.0 1.5 703 $1,500 $2.13 17d 1 0.57mi
165 Ellesmere C Deerfield Beach, FL 1.0 1.0 589 $1,400 $2.38 43d 1 0.69mi
308 Markham N Deerfield Beach, FL 1.0 1.5 700 $1,200 $1.71 73d 1 0.71mi
4031 Harwood E Unit 4031 Deerfield Beach, FL 1.0 1.5 738 $1,700 $2.30 48d 1 0.72mi
340 Oakridge S Unit S Deerfield Beach, FL 1.0 1.0 585 $2,000 $3.42 24d 1 0.72mi
138 Markham G Deerfield Beach, FL 2.0 1.5 700 $1,600 $2.29 18d 1 0.73mi
1036 Harwood E Unit 1036 Deerfield Beach, FL 1.0 1.5 745 $1,750 $2.35 27d 1 0.74mi
1036 Harwood E Unit 1036 Deerfield Beach, FL 1.0 1.5 738 $1,550 $2.10 2d 1 0.74mi
436 Markham S #436 Deerfield Beach, FL 1.0 1.0 585 $1,400 $2.39 73d 1 0.76mi
358 Markham P #358 Deerfield Beach, FL 1.0 1.5 700 $1,500 $2.14 39d 1 0.77mi
358 Markham Cres Unit 358 Deerfield Beach, FL 1.0 1.5 700 $1,500 $2.14 73d 1 0.79mi
58 Tilford C Unit C Deerfield Beach, FL 1.0 1.0 585 $1,400 $2.39 4d 1 0.87mi
111 Tilford F #111 Deerfield Beach, FL 1.0 1.0 585 $1,500 $2.56 70d 1 0.87mi
111 Tilford F #111 Deerfield Beach, FL 1.0 1.0 585 $1,500 $2.56 54d 1 0.87mi
306 Newport T #306 Deerfield Beach, FL 1.0 1.0 585 $1,350 $2.31 73d 1 0.88mi
6 Ventnor a Deerfield Beach, FL 1.0 1.0 600 $1,429 $2.38 73d 1 0.90mi
111 Oakridge I #111 Deerfield Beach, FL 1.0 1.5 706 $1,595 $2.26 73d 1 0.91mi
425 E Bougainvillea Dr Deerfield Beach, FL 2.0 1.5 600 $2,500 $4.17 73d 1 0.94mi
181 Tilford I Unit I Deerfield Beach, FL 1.0 1.5 700 $1,350 $1.93 73d 1 0.99mi
41 Deer Creek Rd Unit G106 Deerfield Beach, FL 1.0 550 $1,850 $3.36 73d 1 0.99mi

Property features AI

Finance

Other
Pets allowed (restrictions possible)
Financial info
Property is a resaleSenior community
HOA & community
Monthly HOAHOA amenities include clubhouse, fitness center, indoor pool, jogging path, picnic area, parking, pool, shuffleboard court, tennis courts, and pickleball courtsHOA fee covers cable TV, grounds maintenance, security, sewer, trash, water, and common areas

Exterior

Parking
Assigned parking
Security
Gated community with guard
Utilities
Public waterPublic sewerSewer and water available
Home design
CondominiumMulti/split levels2 total storiesNorth-facing
Construction
CBS construction
Exterior features
Entry-level living areaNot waterfront

Interior

Kitchen
Electric rangeRefrigerator
Bedrooms
1 bedroom on the main level
Flooring
Carpet
Bathrooms
1 full bathroom1 half bathroom
Heating & cooling
Window/wall heatingWall/window cooling units
Interior features
Blinds on windows
Laundry & utility
Electric water heater

HOA detail $533/mo · $6,396/yr

Likely covers
poolsecurity

Listing history 29 events

  1. 2026-06-30
    days on market $60,000 Active 466 DOM
  2. 2026-06-29
    days on market $60,000 Active 465 DOM
  3. 2026-06-28
    days on market $60,000 Active 464 DOM
  4. 2026-06-27
    days on market $60,000 Active 463 DOM
  5. 2026-06-26
    days on market $60,000 Active 462 DOM
  6. 2026-06-24
    days on market $60,000 Active 460 DOM
  7. 2026-06-21
    days on market $60,000 Active 457 DOM
  8. 2026-06-18
    days on market $60,000 Active 454 DOM
  9. 2026-06-17
    days on market $60,000 Active 453 DOM
  10. 2026-06-16
    days on market $60,000 Active 452 DOM
  11. 2026-06-15
    days on market $60,000 Active 451 DOM
  12. 2026-06-13
    pricedays on market $60,000 Active 449 DOM
  13. 2026-06-09
    days on market $70,000 Active 445 DOM
  14. 2026-06-07
    days on market $70,000 Active 443 DOM
  15. 2026-06-04
    days on market $70,000 Active 440 DOM
  16. 2026-06-03
    days on market $70,000 Active 439 DOM
  17. 2026-06-02
    days on market $70,000 Active 438 DOM
  18. 2026-06-01
    days on market $70,000 Active 437 DOM
  19. 2026-05-31
    days on market $70,000 Active 436 DOM
  20. 2025-11-14
    price $70,000
  21. 2025-08-07
    price $75,000
  22. 2025-07-04
    price $85,000
  23. 2025-05-01
    price $90,000
  24. 2025-04-21
    price $103,000
  25. 2025-03-31
    price $113,000
  26. 2025-03-21
    listed $115,000 Active
  27. 2000-05-02
    soldstatus $24,500
  28. 1995-12-21
    soldstatus $22,000
  29. 1985-06-01
    soldstatus $28,000

ⓘ 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
$1,829 · $152/mo
Projected year-2 tax
$1,829 · $152/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

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$19,598
− Mortgage interest
−$3,361
− Property taxes
−$1,829
− Insurance
−$300
− Repairs & maintenance
−$1,568
− Management
−$1,568
− HOA
−$6,396
− Depreciation
−$1,745
Taxable income
$2,831
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$679
After-tax cash flow
$2,502/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 · 9 photos

Fair 45/100 Moderate rehab Est. rehab $17,575–$31,635 screening

This 1-bedroom, 1.1-bathroom condo in Deerfield Beach, FL, requires a moderate level of rehabilitation, focusing on painting and flooring. With a fresh coat of paint and new flooring, it can significantly boost its resale and rental value.

Repairs flagged

  • Major Paint — Paint appears faded and needs touch-up
  • Minor Flooring — Carpeted floors show some wear

Value-add opportunities

  • Both Paint job — Fresh paint can improve curb appeal and interior aesthetics
  • Both Flooring replacement — New flooring can enhance the living space and increase appeal

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 40/100

Zoned Schools

Elementary Quiet Waters Elementary School F FL #1,330/2,144 Nat'l #17,190/41,679 Middle Lyons Creek Middle School C FL #237/571 Nat'l #3,276/14,009 High Deerfield Beach High School F FL #505/667 Nat'l #12,478/17,239

Schools (NCES district)

District
Broward
NCES district ID
1200180
Math proficiency
42% ▼ -18.00%
Reading proficiency
53% ▼ -5.00%
Median HH income
$52,139
Composite
40.88/100
National rank
#3621
State rank
#46 of 73 in FL
B Composite livability gradescore 75/100

Livability — Deerfield Beach

Score
75/100
State rank
#250
US rank
#3970

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Deerfield Beach, FL
County
Broward County · 2,207,033 people
City population
61,449
Metro
Miami-Fort Lauderdale-Pompano Beach, FL
Population (ZIP)
31,296
Household income
$53,254
Rent vs Own
30.3% rent · 69.7% own
Severe rent burden
26% of renters

Population outlook (Broward County) Hauer SSP2

Today (2025)
2,207,033 people
By 2030
2,360,704 · +7.0%
By 2040
2,661,208 · +20.6%
By 2050
2,946,698 · +33.5%
By 2075
3,602,273 · +63.2%
By 2100
3,970,984 · +79.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.61)
Race & ethnicity
White 57% Hispanic / Latino 23% Two or more races 19% Black 10% Asian 2%
Hispanic origin (detail)
Mexican 1% Puerto Rican 4% Cuban 3%
Common ancestry
Estonian 7% Romanian 4% Hispanic 3%
Foreign-born
34% · Canada, Jamaica, Dominican Republic
Languages at home
59% English-only · Spanish 20% Other Indo-European 13% French/Haitian/Cajun 4%

Political lean MEDSL · Broward

2024 margin
D (+17.0) · D 58.0% · R 41.0%
2008→2024 swing
-17.8pp toward R · 2008: 34.7pp · 2024: 17.0pp
All cycles
2024: D+17.0 2020: D+29.8 2016: D+35.0 2012: D+34.9 2008: D+34.7

Not yet ingested

Civics

Price history

+150.0% since first listed
10 events — show timeline
  • 2025-11-14 Price Changed $70,000 Beaches MLS
  • 2025-08-07 Price Changed $75,000 Beaches MLS
  • 2025-07-04 Price Changed $85,000 Beaches MLS
  • 2025-05-01 Price Changed $90,000 Beaches MLS
  • 2025-04-21 Price Changed $103,000 Beaches MLS
  • 2025-03-31 Price Changed $113,000 Beaches MLS
  • 2025-03-21 Listed $115,000 Beaches MLS
  • 2000-05-02 Sold (Public Records) $24,500 Public Records
  • 1995-12-21 Sold (Public Records) $22,000 Public Records
  • 1985-06-01 Sold (Public Records) $28,000 Public Records

Property tax history

+6.8%/yr

Latest (2025): $1,829 · +2.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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