5400 A1a Hwy Unit I3 · Indian River Shores, FL
Flood risk 6/10 · Moderate
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.53%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 105°F)
- 7 days/yr
- Hot days in 30 yrs
- 25 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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 +28.2/30.0
- DSCR +10.0/10.0
- 1% rule +9.7/10.0
- ARV discount +7.2/15.0
- Rent growth +5.0/5.0
- Schools +4.6/10.0
- Livability +3.4/5.0
- Condition / age +2.8/5.0
- Appreciation +0.0/10.0
$249,900
5400 A1a Hwy Unit I3 · Indian River Shores, FL 32963
1 bd · 2.0 ba · 1,000 sqft · Condo
public records
· 260 Days on market
Built 1973
$250/sqft
· at area comps
Est $248k · at est.
$473/mo HOA · 13% of rent
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Oceanfront 55 plus community.
Key facts
- $473 HOA
- Parking
- Community pool
Neighborhood map
Sold within
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 1-bed/2.0-bath condo listed at $250k. Condition is rated average.
Deal economics
- At list price, monthly cash flow is $790 ($9k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($4k rent vs $250k).
- Recommended offer: $220k (12.0% below list) — sets the bar for market timing.
- Cap rate 10.1% vs local median 1.3% in Indian River Shores — 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 68/100 on livability (#517 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.
- Indian River (other): math 48% / reading 52% proficiency, ranked #35 of 73 in FL (top 48%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: Beachland Elementary School (math 54% / reading 58%, grade C+, #832 of 2,144 statewide, top 40%, 523 students, 39% FRL); Gifford Middle School (math 46% / reading 45%, grade D+, #305 of 571 statewide, top 54%, 582 students, 72% FRL); Vero Beach High School (math 28% / reading 43%, grade F, #367 of 667 statewide, top 57%, 2,847 students, 50% FRL) — zoned schools at 54% FRL track the district average.
- Market conditions: Rents rising fast (+11.0%/yr); 572 active listings in the ZIP; 34 comparable units currently listed for rent nearby; rentals lingering (median 117d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 564 units permitted in Indian River County in 2024 (281 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
- Indian River County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (-3.0% appreciation + 8.0% rent growth), your $70k cash investment doubles in ~6 years — after that, you're playing with house money.
Negotiation context
- It's been on market 260 days — a 12% lower offer ($220k) is reasonable based on typical stale-listing flexibility.
- Current owner paid $62k; list at $250k implies a 303% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Climate carrying-cost: major 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
$219,912
(12.0% below list)
Questions for the listing agent
- It's been on market 260 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.47% ✓
- Cap rate
- 10.09%
- Cash-on-cash
- 13.55%
- DSCR
- 1.60
- GRM
- 5.7
CMA / ARV
- ARV (median comp)
- $248,129
- List price
- $249,900
- Delta
- 0.71%
- 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 |
|---|---|---|---|---|---|---|---|
| 5400 A1a Hwy Unit D18 | 0.00mi | 1/1.5 | 1,000 (0%) | 0mo | $185,000 | $185 | 98 |
| 5400 Highway A1a Unit H3 | 0.11mi | 1/1.5 | 1,000 (0%) | 1mo | $230,000 | $230 | 92 |
| 5400 Highway A1a Hwy Unit B 22 | 0.11mi | 1/1.5 | 1,000 (0%) | 1mo | $285,000 | $285 | 92 |
| 5400 Highway A1a Unit E-12 | 0.11mi | 1/1.5 | 1,000 (0%) | 5mo | $173,000 | $173 | 88 |
| 5400 Highway A1a Unit A-12 | 0.11mi | 1/1.5 | 1,000 (0%) | 6mo | $292,000 | $292 | 87 |
| 5400 Highway A1a Unit D31 | 0.11mi | 2/2.0 (+1) | 1,200 (+20%) | 5mo | $290,000 | $242 | 60 |
| 5400 Highway A1a Unit H24 | 0.11mi | 2/2.0 (+1) | 1,200 (+20%) | 6mo | $275,000 | $229 | 60 |
| 4141 Ocean Dr #303 | 1.46mi | 2/2.0 (+1) | 1,000 (0%) | 7mo | $487,500 | $488 | 54 |
| 5151 Highway A1a #103 | 0.33mi | 2/2.0 (+1) | 1,200 (+20%) | 5mo | $490,000 | $408 | 50 |
| 4410 Highway A1a Hwy #307 | 1.25mi | 2/2.0 (+1) | 900 (-10%) | 1mo | $375,000 | $417 | 42 |
| 5100 Highway A1a Unit 56G | 0.49mi | 2/2.0 (+1) | 1,170 (+17%) | 6mo | $315,000 | $269 | 42 |
| 5100 Highway A1a Unit D33 | 0.49mi | 2/2.0 (+1) | 1,170 (+17%) | 6mo | $380,000 | $325 | 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 · 8.0% rent growth · sell at horizon
5-year hold
- IRR
- 10.0%
- Equity multiple
- 1.42×
- Total profit
- $29,489
- Equity at exit
- $37,261
10-year hold
- IRR
- 23.4%
- Equity multiple
- 3.57×
- Total profit
- $179,817
- Equity at exit
- $21,607
Cash invested: $69,972 (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.
Active competition Active MLS
- For sale now
- 2 active
- Median asking
- $314,963 ($315/sqft)
- Median days on market
- 2 d
- This list price
- lowest-priced of the active set
- ARV vs active asking
- -21.2% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 32963
- Rents YoY
- 11.0%
- Active inventory
- 572
- Price-to-rent
- 5.7×
Monthly cashflow live
↻
- Estimated rent
- $3,666 high interval (Pro) →
- Mortgage (P&I)
- −$1,311
- Tax from tax record
- −$218 /mo · $2,617/yr
- Insurance
- −$104
- HOA
- −$473
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$770
- Net cashflow
- $790
Break-even live
Break-even rent
$2,665
Max offer price
$249,900
Occupancy floor
73%
Sensitivity live
| Price | -10% $932 | -5% $861 | +0% $790 | +5% $719 | +10% $649 |
|---|---|---|---|---|---|
| Rent | -10% $501 | -5% $645 | +0% $790 | +5% $935 | +10% $1,080 |
| Rate | -1.0pp $916 | -0.5pp $854 | base $790 | +0.5pp $725 | +1.0pp $659 |
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
- $62,475
- Closing costs
- $7,497
- Club membership (one-time)
- —
- 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 34 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 5400 Jimmy Buffett Memorial Hwy Unit 5400A11 Indian River Shores, FL | 1.0 | 2.0 | 1000 | $2,500 | $2.50 | 116d | 1 | 0.02mi |
| 5400 Highway A1A Unit D6 Indian River Shores, FL | 1.0 | 1.5 | 1000 | $1,800 | $1.80 | 6d | 1 | 0.02mi |
| 5400 Jimmy Buffett Memorial Hwy Unit G11 Indian River Shores, FL | 2.0 | 2.0 | 1300 | $5,000 | $3.85 | 6d | 1 | 0.02mi |
| 5400 Jimmy Buffett Memorial Hwy Unit B8 Indian River Shores, FL | 1.0 | 1.5 | 1000 | $1,650 | $1.65 | 109d | 1 | 0.02mi |
| 5400 Jimmy Buffett Memorial Hwy Unit I24 Indian River Shores, FL | 1.0 | 1.5 | 1000 | $1,650 | $1.65 | 116d | 1 | 0.02mi |
| 5400 Jimmy Buffett Memorial Hwy Unit D14 Indian River Shores, FL | 1.0 | 1.5 | 1000 | $1,600 | $1.60 | 6d | 1 | 0.06mi |
| 5400 Jimmy Buffett Memorial Hwy Unit A19 Indian River Shores, FL | 1.0 | 1.5 | 900 | $3,000 | $3.33 | 116d | 1 | 0.06mi |
| 5400 Jimmy Buffett Memorial Hwy Indian River Shores, FL | 2.0 | 2.0 | 1200 | $1,800 | $1.50 | 116d | 1 | 0.06mi |
| 5300 Jimmy Buffett Memorial Hwy #301 Indian River Shores, FL | 2.0 | 2.0 | 1300 | $7,000 | $5.38 | 116d | 1 | 0.13mi |
| 5300 Jimmy Buffett Memorial Hwy Unit 314 Indian River Shores, FL | 2.0 | 2.0 | 1300 | $4,000 | $3.08 | 6d | 1 | 0.14mi |
| 5300 Jimmy Buffett Memorial Hwy Unit 305 Indian River Shores, FL | 2.0 | 2.0 | 1300 | $6,000 | $4.62 | 116d | 1 | 0.14mi |
| 5300 Jimmy Buffett Memorial Hwy Unit 408 Indian River Shores, FL | 2.0 | 2.0 | 1300 | $9,000 | $6.92 | 6d | 1 | 0.14mi |
| 5300 Jimmy Buffett Memorial Hwy Unit 408 Indian River Shores, FL | 2.0 | 2.0 | 1300 | $9,000 | $6.92 | 116d | 1 | 0.14mi |
| 5300 Jimmy Buffett Memorial Hwy Unit 214 Indian River Shores, FL | 2.0 | 2.0 | 1300 | $5,500 | $4.23 | 116d | 1 | 0.14mi |
| 837 Seminole Ln Vero Beach, FL | 2.0 | 2.0 | 860 | $2,800 | $3.26 | 109d | 1 | 0.21mi |
| 5151 Jimmy Buffett Memorial Hwy Unit 514 Indian River Shores, FL | 1.0 | 1.0 | 937 | $1,750 | $1.87 | 116d | 1 | 0.29mi |
| 5151 Jimmy Buffett Memorial Hwy Unit 512 Indian River Shores, FL | 2.0 | 2.0 | 1339 | $4,600 | $3.44 | 116d | 1 | 0.29mi |
| 5151 Jimmy Buffett Memorial Hwy Unit 305 Indian River Shores, FL | 2.0 | 2.0 | 1339 | $2,100 | $1.57 | 6d | 1 | 0.29mi |
| 5151 Jimmy Buffett Memorial Hwy Unit 516 Indian River Shores, FL | 1.0 | 1.5 | 937 | $4,500 | $4.80 | 6d | 1 | 0.30mi |
| 5100 Jimmy Buffett Memorial Hwy Unit 58G INDN RIV SHRS, FL | 2.0 | 2.0 | 1170 | $6,000 | $5.13 | 116d | 1 | 0.52mi |
| 4890 Bethel Creek Dr #5 Vero Beach, FL | 2.0 | 2.5 | 1244 | $2,000 | $1.61 | 6d | 1 | 0.93mi |
| 4890 Bethel Creek Dr #8 Vero Beach, FL | 2.0 | 2.5 | 1244 | $2,250 | $1.81 | 6d | 1 | 0.93mi |
| 4834 Bethel Creek Dr Vero Beach, FL | 2.0 | 2.5 | 1500 | $2,900 | $1.93 | 116d | 1 | 0.96mi |
| 4601 Highway A1A #202 Vero Beach, FL | 2.0 | 2.0 | 1440 | $3,250 | $2.26 | 116d | 1 | 1.12mi |
| 4600 Jimmy Buffett Memorial Hwy Unit 308 Vero Beach, FL | 2.0 | 2.0 | 1300 | $8,700 | $6.69 | 6d | 1 | 1.15mi |
| 4600 Highway A1A #507 Vero Beach, FL | 2.0 | 2.0 | 1400 | $5,000 | $3.57 | 116d | 1 | 1.15mi |
| 4450 Highway A1A #301 Vero Beach, FL | 2.0 | 2.0 | 962 | $3,500 | $3.64 | 6d | 1 | 1.20mi |
| 4450 Highway A1A #404 Vero Beach, FL | 2.0 | 2.0 | 1080 | $3,499 | $3.24 | 6d | 1 | 1.20mi |
| 4450 Florida A1A Unit 102 Vero Beach, FL | 2.0 | 2.0 | 1000 | $3,900 | $3.90 | 116d | 1 | 1.20mi |
| 4450 Highway A1A #303 Vero Beach, FL | 2.0 | 2.0 | 1080 | $3,500 | $3.24 | 116d | 1 | 1.20mi |
| 4400 Highway A1A #10 Vero Beach, FL | 2.0 | 2.0 | 800 | $5,500 | $6.88 | 116d | 1 | 1.27mi |
| 4150 Highway A1A #111 Vero Beach, FL | 2.0 | 2.0 | 1300 | $2,600 | $2.00 | 116d | 1 | 1.42mi |
| 4141 Ocean Dr Vero Beach, FL | 2.0–3.0 | 2.0 | 1200 | $5,000 | $4.17 | 6d | 3 | 1.46mi |
| 4141 Ocean Dr Vero Beach, FL | 2.0–3.0 | 2.0 | 1200 | $3,500 | $2.92 | 109d | 4 | 1.46mi |
Property features AI
Finance
- Financial info
- Pets not allowed
- HOA & community
- Vista Del Mar association with monthly duesAssociation fee includes common areas, insurance, structure maintenance, parking, recreation facilities, reserves, roof, sewer, trash and waterCommunity amenities include bicycle storage and poolSenior community
Exterior
- Parking
- Assigned and unassigned uncovered parking
- Utilities
- Public waterPublic sewer
- Home design
- 3-story buildingWest-facingAttached property
- Construction
- Block and concrete construction
- Exterior features
- Covered porchPorchCommunity poolHas a viewLess than quarter acre lot
Interior
- Kitchen
- CooktopDishwasherMicrowaveRefrigerator
- Bedrooms
- One bedroom (10 x 12)
- Flooring
- CarpetTile
- Bathrooms
- One full bathroomOne half bathroom
- Heating & cooling
- Central heatingCentral air conditioning
- Interior features
- FurnishedSingle-hung and sliding windows with window treatmentsCarpet and tile flooring
- Laundry & utility
- Laundry in common area
HOA detail $473/mo · $5,676/yr condo
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 50 events
-
2026-09-24days on market $249,900 Active 260 DOM
-
2026-09-24days on market $249,900 Active 259 DOM
-
2026-09-22days on market $249,900 Active 258 DOM
-
2026-09-20days on market $249,900 Active 256 DOM
-
2026-09-18days on market $249,900 Active 254 DOM
-
2026-09-17days on market $249,900 Active 253 DOM
-
2026-09-16days on market $249,900 Active 252 DOM
-
2026-09-15days on market $249,900 Active 251 DOM
-
2026-09-14days on market $249,900 Active 250 DOM
-
2026-09-13days on market $249,900 Active 249 DOM
-
2026-09-12days on market $249,900 Active 248 DOM
-
2026-09-11days on market $249,900 Active 247 DOM
-
2026-09-05days on market $249,900 Active 241 DOM
-
2026-09-04days on market $249,900 Active 240 DOM
-
2026-09-03days on market $249,900 Active 239 DOM
-
2026-08-30days on market $249,900 Active 235 DOM
-
2026-08-29days on market $249,900 Active 234 DOM
-
2026-08-28days on market $249,900 Active 233 DOM
-
2026-08-27days on market $249,900 Active 232 DOM
-
2026-08-26days on market $249,900 Active 231 DOM
-
2026-08-25days on market $249,900 Active 230 DOM
-
2026-08-24days on market $249,900 Active 229 DOM
-
2026-08-23days on market $249,900 Active 228 DOM
-
2026-08-22days on market $249,900 Active 227 DOM
-
2026-08-21days on market $249,900 Active 226 DOM
-
2026-08-20days on market $249,900 Active 225 DOM
-
2026-08-19days on market $249,900 Active 224 DOM
-
2026-08-18days on market $249,900 Active 223 DOM
-
2026-08-17days on market $249,900 Active 222 DOM
-
2026-08-16days on market $249,900 Active 221 DOM
-
2026-08-15days on market $249,900 Active 220 DOM
-
2026-08-14days on market $249,900 Active 219 DOM
-
2026-08-13days on market $249,900 Active 218 DOM
-
2026-08-12days on market $249,900 Active 217 DOM
-
2026-08-11days on market $249,900 Active 216 DOM
-
2026-08-10days on market $249,900 Active 215 DOM
-
2026-08-09days on market $249,900 Active 214 DOM
-
2026-08-08days on market $249,900 Active 213 DOM
-
2026-08-07days on market $249,900 Active 212 DOM
-
2026-08-06days on market $249,900 Active 211 DOM
-
2026-08-05days on market $249,900 Active 210 DOM
-
2026-08-04days on market $249,900 Active 209 DOM
-
2026-08-03days on market $249,900 Active 208 DOM
-
2026-07-31days on market $249,900 Active 205 DOM
-
2026-07-29days on market $249,900 Active 203 DOM
-
2026-07-27days on market $249,900 Active 201 DOM
-
2026-07-25days on market $249,900 Active 199 DOM
-
2026-07-23days on market $249,900 Active 197 DOM
-
2026-07-22days on market $249,900 Active 196 DOM
-
2026-07-21days on market $249,900 Active 195 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
- $2,617 · $218/mo
- Projected year-2 tax
- $2,617 · $218/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 6/10 Major FEMA zone X (unshaded) · 53% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 10/10 Extreme 7 d/yr ≥105°F today · 25 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $43,987
- − Mortgage interest
- −$13,998
- − Property taxes
- −$2,617
- − Insurance
- −$1,250
- − Repairs & maintenance
- −$3,519
- − Management
- −$3,519
- − HOA
- −$5,676
- − Depreciation
- −$7,270
- Taxable income
- $6,139
combined federal + state — saved on this device
- Est. tax owed @ 24.0%
- −$1,473
- After-tax cash flow
- $8,008/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
55/100
Cosmetic rehab
Est. rehab $5,000–$15,000 screening
A well-maintained townhouse with average exterior and interior condition, located in a desirable oceanfront community. Minor repairs and maintenance are needed to enhance its curb appeal and value.
Repairs flagged
- Minor exterior paint — Light discoloration
- Minor landscaping — Needs trimming
Value-add opportunities
- Both paint exterior — Enhances curb appeal and resale value ↑
- Both landscaping — Improves curb appeal and rental appeal ↑
ⓘ Rehab cost is a screening estimate — Cosmetic 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 46/100
Zoned Schools
Elementary
Beachland Elementary School
C+
FL #832/2,144
Nat'l #9,382/41,679
Middle
Gifford Middle School
D+
FL #305/571
Nat'l #4,522/14,009
High
Vero Beach High School
F
FL #367/667
Nat'l #9,497/17,239
Schools (NCES district)
- District
- Indian River
- NCES district ID
- 1200930
- Math proficiency
- 48% ▼ -9.00%
- Reading proficiency
- 52% ▼ -3.00%
- Median HH income
- $46,597
- Composite
- 42.45/100
- National rank
- #3218
- State rank
- #35 of 73 in FL
C
Composite livability gradescore 68/100
Livability — Indian River Shores
- Score
- 68/100
- State rank
- #517
- US rank
- #9512
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
- Indian River Shores, FL
- County
- Indian River County · 165,104 people
- City population
- 15,008
- Metro
- Sebastian-Vero Beach, FL
- Population (ZIP)
- 15,008
- Household income
- $149,923
- Rent vs Own
- Severe rent burden
- 18% of renters
Population outlook (Indian River County) Hauer SSP2
- Today (2025)
- 165,104 people
- By 2030
- 172,869 · +4.7%
- By 2040
- 185,640 · +12.4%
- By 2050
- 194,465 · +17.8%
- By 2075
- 211,115 · +27.9%
- By 2100
- 211,781 · +28.3%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (92%)
- Race & ethnicity
- White 92% Two or more races 5% Hispanic / Latino 4% Asian 2%
- Common ancestry
- Slovak 5% Lithuanian 4% Italian 3%
- Foreign-born
- 9% · Canada
- Languages at home
- 92% English-only · Spanish 3% Other Indo-European 1% German/W. Germanic 1%
Political lean MEDSL · Indian River
- 2024 margin
- Strong R (+27.4) · D 36.0% · R 63.4%
- 2008→2024 swing
- -12.5pp toward R · 2008: -14.8pp · 2024: -27.4pp
- All cycles
- 2024: R+27.4 2020: R+21.6 2016: R+24.5 2012: R+22.3 2008: R+14.8
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -180.47%
- Current HPI
- 312.0326
- Rent YoY
- ▲ 11.04%
- Metro
- Sebastian-Vero 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+316.5% since first listed3 events — show timeline
- 2026-01-07 Listed $249,900 RAIRCMLS
- 1996-12-06 Sold (Public Records) $62,000 Public Records
- 1988-06-01 Sold (Public Records) $60,000 Public Records
Property tax history
+7.4%/yrLatest (2025): $2,617 · +2.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…