4845 Hawley Rd · Port St. John, FL 32927

$375,000

3 bd · 2.0 ba · 1,784 sqft · SingleFamily public records · 34 Days on market

Built 1989 10,019 sqft lot

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Why this score? — see what drove the D 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 +13.3/30.0
• ARV discount +7.5/15.0
• Schools +4.7/10.0
• DSCR +4.0/10.0
• Rent growth +3.1/5.0
• 1% rule +2.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Offering an opportunity to own a fully renovated, move-in ready home on Florida's growing Space Coast. Updated from top to bottom, this property combines modern finishes and a warm family-oriented feel in one complete package. Step inside to an open and airy layout filled with natural light, complemented by brand new flooring, fresh finishes and a beautifully renovated kitchen featuring oak shaker cabinets with soft-close hinges, elegant Calacatta quartz countertops & new appliances. Bathrooms have been fully updated with a fresh modern feel, while additional major improvements such as a newer roof, newer AC and new water heater help provide peace of mind for years to come. Outside, the property continues to shine with a spacious two-car garage, additional storage shed and a playground set already in place - creating the perfect environment for families & entertaining. Located near I95, shopping, dining, beaches, Kennedy Space Center & Port Canaveral. Schedule a showing today!

Key facts

• Fully renovated
• Oak shaker cabinets
• Renovated kitchen

Tags

• FULLY RENOVATED
• OPEN AND AIRY LAYOUT
• RENOVATED KITCHEN
• OAK SHAKER CABINETS
• CALACATTA QUARTZ COUNTERTOPS
• NEW APPLIANCES

Property features AI

Finance

• HOA & community: No HOA association indicated; Cats and dogs allowed

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Public water; Septic tank sewer; Public utilities
• Home design: Single family residence; One story; North-facing
• Construction: Stucco exterior; Shingle roof; Slab foundation; Built on a lot of about 0.23 acres (80 x 125)
• Exterior features: Playground; Sliding glass doors; Storage

Interior

• Kitchen: Dishwasher; Garbage disposal; Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: High ceilings; Vaulted ceilings; Programmable thermostat
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry located in garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $375k.

Deal economics

• At list price, monthly cash flow is $1 ($8/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $283k (24.5% below list).
• Recommended offer: $283k (24.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• Brevard (suburban): math 53% / reading 57% proficiency, ranked #19 of 73 in FL (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+2.5%/yr); 224 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,602 units permitted in Brevard County in 2024 (702 in 5+ unit buildings).
• This rent runs 39% of the median local income ($86k/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 $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
• Brevard County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 34 days — a 3% lower offer ($364k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 20y 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.
• Current owner paid $212k; list at $375k implies a 76% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $283,304 (24.5% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 24% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 0.76% ✗
• Cap rate: 6.30%
• Cash-on-cash: 0.01%
• DSCR: 1.00
• GRM: 11.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.48% rent growth · sell at horizon

5-year hold

• IRR: -16.9%
• Equity multiple: 0.41×
• Total profit: $-62,374
• Equity at exit: $55,914

10-year hold

• IRR: -9.7%
• Equity multiple: 0.42×
• Total profit: $-60,959
• Equity at exit: $32,423

Cash invested: $105,000 (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.

Methodology + full state rankings →

ZIP-level market 32927

• Home prices YoY: -19.4%
• Rents YoY: 2.5%
• Active inventory: 224
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $2,833 high
• Mortgage (P&I): −$1,967
• Tax from tax record: −$115 /mo · $1,376/yr
• Insurance: −$156
• HOA: −$0
• Vacancy / Maint / Mgmt: −$595
• Net cashflow: $1

Break-even live

Break-even rent $2,832

Max offer price $375,000

Occupancy floor 95%

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: $93,750
• Closing costs: $11,250
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6655 Corto Rd Cocoa, FL	3.0	2.0	1441	$3,300	$2.29	14d	1	0.27mi
4855 Balfern St Cocoa, FL	4.0	2.0	1621	$3,500	$2.16	23d	1	0.69mi
4270 Fairfax St Cocoa, FL	3.0	2.0	1357	$2,800	$2.06	23d	1	0.72mi
5215 Holden Rd Cocoa, FL	3.0	2.0	1480	$2,185	$1.48	18d	1	0.80mi
6385 Wien Ln Cocoa, FL	3.0	2.0	1350	$2,350	$1.74	18d	1	1.16mi
426 Oakridge Ave Cocoa, FL	3.0	2.0	1286	$1,550	$1.21	23d	1	1.44mi
865 Dunbar St Cocoa, FL	3.0	2.0	1307	$2,350	$1.80	23d	1	1.48mi

Listing history 26 events

1. 2026-06-18
   days on market $375,000 Active 34 DOM
2. 2026-06-17
   days on market $375,000 Active 33 DOM
3. 2026-06-16
   days on market $375,000 Active 32 DOM
4. 2026-06-15
   days on market $375,000 Active 31 DOM
5. 2026-06-14
   days on market $375,000 Active 29 DOM
6. 2026-06-10
   days on market $375,000 Active 26 DOM
7. 2026-06-08
   days on market $375,000 Active 24 DOM
8. 2026-06-07
   days on market $375,000 Active 23 DOM
9. 2026-06-05
   status $375,000 Active 20 DOM
10. 2026-05-07
    listed $375,000 Active 1010-char remark

    Show marketing remark (1010 chars)

    Offering an opportunity to own a fully renovated, move-in ready home on Florida's growing Space Coast. Updated from top to bottom, this property combines modern finishes and a warm family-oriented feel in one complete package. Step inside to an open and airy layout filled with natural light, complemented by brand new flooring, fresh finishes and a beautifully renovated kitchen featuring oak shaker cabinets with soft-close hinges, elegant Calacatta quartz countertops & new appliances. Bathrooms have been fully updated with a fresh modern feel, while additional major improvements such as a newer roof, newer AC and new water heater help provide peace of mind for years to come. Outside, the property continues to shine with a spacious two-car garage, additional storage shed and a playground set already in place - creating the perfect environment for families & entertaining. Located near I95, shopping, dining, beaches, Kennedy Space Center & Port Canaveral. Schedule a showing today!

11. 2026-05-07
    listed $375,000 Active

    Show marketing remark (1010 chars)

    Offering an opportunity to own a fully renovated, move-in ready home on Florida's growing Space Coast. Updated from top to bottom, this property combines modern finishes and a warm family-oriented feel in one complete package. Step inside to an open and airy layout filled with natural light, complemented by brand new flooring, fresh finishes and a beautifully renovated kitchen featuring oak shaker cabinets with soft-close hinges, elegant Calacatta quartz countertops & new appliances. Bathrooms have been fully updated with a fresh modern feel, while additional major improvements such as a newer roof, newer AC and new water heater help provide peace of mind for years to come. Outside, the property continues to shine with a spacious two-car garage, additional storage shed and a playground set already in place - creating the perfect environment for families & entertaining. Located near I95, shopping, dining, beaches, Kennedy Space Center & Port Canaveral. Schedule a showing today!

12. 2026-02-10
    soldstatus $212,500 Closed 298-char remark

    Show marketing remark (298 chars)

    OPEN FLOOR PLAN WITH SPACIOUS KITCHEN, BREAKFAST BAR AND NOOK AREA. FORMAL DINING ROOM. MASTER BATH WITH HIS/HER SINKS AND GARDEN TUB, SEPARATE SHOWER. CASH ONLY THIS IS A FIXER UPPER CASH ONLY. SELLER WILL NOT DO ANY REPAIRS . BUYER CAN CONDUCT INSPECTIONS KNOWING SELLER WILL NOT MAKE ANY REPAIRS

13. 2026-01-21
    status Pending 298-char remark

    Show marketing remark (298 chars)

    OPEN FLOOR PLAN WITH SPACIOUS KITCHEN, BREAKFAST BAR AND NOOK AREA. FORMAL DINING ROOM. MASTER BATH WITH HIS/HER SINKS AND GARDEN TUB, SEPARATE SHOWER. CASH ONLY THIS IS A FIXER UPPER CASH ONLY. SELLER WILL NOT DO ANY REPAIRS . BUYER CAN CONDUCT INSPECTIONS KNOWING SELLER WILL NOT MAKE ANY REPAIRS

14. 2026-01-09
    listed $225,000 Active 298-char remark

    Show marketing remark (298 chars)

    OPEN FLOOR PLAN WITH SPACIOUS KITCHEN, BREAKFAST BAR AND NOOK AREA. FORMAL DINING ROOM. MASTER BATH WITH HIS/HER SINKS AND GARDEN TUB, SEPARATE SHOWER. CASH ONLY THIS IS A FIXER UPPER CASH ONLY. SELLER WILL NOT DO ANY REPAIRS . BUYER CAN CONDUCT INSPECTIONS KNOWING SELLER WILL NOT MAKE ANY REPAIRS

15. 2016-08-16
    historical
16. 2012-03-30
    soldstatus $71,500
17. 2012-03-29
    soldstatus $71,500
18. 2011-09-01
    listed $79,000
19. 2007-01-22
    soldstatus $180,500
20. 2007-01-17
    soldstatus $180,500
21. 2006-11-11
    historical
22. 2006-10-29
    listed $202,000
23. 2006-08-20
    listed $229,000
24. 2006-07-28
    listed $228,000
25. 2003-02-27
    soldstatus $112,500
26. 1993-02-26
    soldstatus $79,000

ⓘ 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: $1,376 · $115/mo
• Projected year-2 tax: $3,112 · $259/mo
• Expected delta: +$1,737/yr (+$145/mo · 126.2%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 22 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

Taxation est. · year 1

• Rental income: $33,996
• − Mortgage interest: −$21,006
• − Property taxes: −$1,376
• − Insurance: −$1,875
• − Repairs & maintenance: −$2,720
• − Management: −$2,720
• − Depreciation: −$10,909
• Taxable loss: −$6,609
• Est. tax savings @ 24.0%: +$1,586
• After-tax cash flow: $1,594/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: Brevard
• NCES district ID: 1200150
• Math proficiency: 53% ▼ -9.00%
• Reading proficiency: 57% ▼ -4.00%
• Median HH income: $49,426
• Composite: 46.86/100
• National rank: #2370
• State rank: #19 of 73 in FL

Livability — Port St. John

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Port St. John, FL
• County: Brevard County · 602,871 people
• City population: 28,493
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 29,219
• Household income: $86,075
• Rent vs Own: 7.7% rent · 92.3% own
• Severe rent burden: 192.0

Population outlook (Brevard County) Hauer SSP2

• Today (2025): 623,254 people
• By 2030: 648,420 · +4.0%
• By 2040: 690,009 · +10.7%
• By 2050: 715,669 · +14.8%
• By 2075: 775,744 · +24.5%
• By 2100: 776,687 · +24.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Two or more races 8% Hispanic / Latino 5% Black 5%
• Hispanic origin (detail): Puerto Rican 2%
• Common ancestry: Lithuanian 3% Slovak 2% Iranian 2%
• Foreign-born: 5% · Canada
• Languages at home: 94% English-only · Spanish 3% French/Haitian/Cajun 1% German/W. Germanic 1%

Political lean MEDSL · Brevard

• 2024 margin: Strong R (+20.8) · D 39.1% · R 59.9% · Other 1.0%
• 2008→2024 swing: -10.4pp toward R · 2008: -10.4pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+16.4 2016: R+19.8 2012: R+12.7 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -79.36%
• Current HPI: 330.5099
• Rent YoY: ▲ 2.48%
• Metro: Palm Bay-Melbourne-Titusville, 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

+374.7% since first listed

17 events — show timeline

• 2026-05-07 Listed $375,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-07 Listed $375,000 SCMLS
• 2026-02-10 Sold (MLS) $212,500 SCMLS
• 2026-01-21 Pending — SCMLS
• 2026-01-09 Listed $225,000 SCMLS
• 2016-08-16 Listing Removed — SCMLS
• 2012-03-30 Sold (Public Records) $71,500 Public Records
• 2012-03-29 Sold (MLS) $71,500 SCMLS
• 2011-09-01 Listed $79,000 SCMLS
• 2007-01-22 Sold (Public Records) $180,500 Public Records
• 2007-01-17 Sold (MLS) $180,500 SCMLS
• 2006-11-11 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2006-10-29 Listed $202,000 SCMLS
• 2006-08-20 Listed $229,000 Stellar MLS as Distributed by MLS Grid
• 2006-07-28 Listed $228,000 SCMLS
• 2003-02-27 Sold (Public Records) $112,500 Public Records
• 1993-02-26 Sold (Public Records) $79,000 Public Records

Property tax history

+2.9%/yr

Latest (2025): $1,376 · +11.9% YoY. Source: county tax records.