8181 14th Hole Dr · Port St. Lucie, FL 34952

$139,900

2 bd · 2.0 ba · 1,134 sqft · Manufactured public records · 84 Days on market

Built 2002 5,358 sqft lot Est $115k · 22% over $331/mo HOA · 16% of rent

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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 +23.4/30.0
• 1% rule +9.7/10.0
• DSCR +7.5/10.0
• Schools +3.7/10.0
• Rent growth +3.0/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

$20,000 PRICE REDUCTION! Affordable Savanna Club living in this Fully Furnished 2/2 home with Laminate flooring throughout. Great eat-in Kitchen with newer appliances and Butcher Block Island. Enclosed Lanai, Fenced Outdoor Patio w/attached grassy Dog Run. New roof in 2023 and Air Conditioner unit in 2015. Low HOA $285.81 & includes cable, internet, trash pickup and all the fabulous amenities Savanna Club offers including 3 clubhouses, pools, fitness centers, a Theater and onsite Restaurant, Pickleball, Tennis, Horseshoes, Shuffleboard & so many HOA activities and Clubs to join! Low Land Lease $3941st year, $507 2nd year and $621 3rd year. This is your chance to live the Savanna Club resort lifestyle at a very low price! Move-in Ready Turnkey Home. A must see! All sizes appro

Key facts

• Turnkey home
• Patio area
• Split bedroom plan

Tags

• FENCED IN PET SAFE GRASS
• PATIO AREA
• TURNKEY HOME
• DESIGNER DRIVEWAY
• CUSTOM ELECTRIC BLINDS
• SPLIT BEDROOM PLAN

Property features AI

Finance

• Other: Senior community
• Financial info: Land lease in place (monthly payment); Pets allowed with possible restrictions and limits
• HOA & community: Community association with monthly fee; Association amenities include pool (heated), spa/hot tub, clubhouse, fitness center, tennis, basketball, shuffleboard, pickleball, bocce ball, golf course access, billiard and game rooms, business center, manager on site, cafe/restaurant, library, internet included, and trash/cable/common area services

Exterior

• Parking: Attached carport (2 covered spaces) with driveway; Decorative parking features
• Utilities: Public water; Public sewer; Three-phase electric; Sewer and water available
• Home design: Single family residence; One-story; Entry level living area; Faces east
• Construction: Modular construction; Composition/shingle roof; Slab foundation; Built as resale
• Exterior features: Open patio; Screened porch; Patio and porch space; Cul-de-sac lot

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator
• Bedrooms: 2 bedrooms on the main level
• Flooring: Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms (main level)
• Heating & cooling: Central heating (electric) with heat strip; Central air conditioning (electric); Ceiling fans
• Interior features: Cathedral and vaulted ceilings; Split bedroom layout; Blinds; Furnished
• Laundry & utility: Laundry closet inside; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $140k.

Deal economics

• At list price, monthly cash flow is $259 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $132k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.5% vs local median 3.9% in Port St. Lucie — 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: area grade C — 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.
• Market conditions: Rents rising (+1.9%/yr); 639 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
• This rent runs 40% of the median local income ($62k/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 $967 of loan paydown is wiped out by about $4k 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 84 days — a 6% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $131,506 (6.0% below list)

Questions for the listing agent

1. It's been on market 84 days. Have you received any prior offers? Is the seller open to a 6% 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. 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.
6. 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.
7. 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: 1.47% ✓
• Cap rate: 8.51%
• Cash-on-cash: 7.93%
• DSCR: 1.35
• GRM: 5.7

CMA / ARV

• ARV (on-the-fly): $114,534
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3033 Satinleaf Ln	0.16mi	2/2.0	1,248 (+10%)	4mo	$195,000	$156	72
2948 Fiddlewood Cir	0.18mi	2/2.0	1,280 (+13%)	1mo	$122,000	$95	69
3422 Feriwinkle Ct	0.45mi	2/2.0	1,184 (+4%)	4mo	$205,000	$173	69
3788 Satinwood Ct	0.69mi	2/2.0	1,090 (-4%)	2mo	$150,000	$138	60
7953 Horned Lark Cir	0.38mi	2/2.0	1,286 (+13%)	1mo	$130,000	$101	59
7 Giralda	0.60mi	2/2.0	1,200 (+6%)	4mo	$21,000	$18	58
8506 Redbay Ct	0.48mi	2/2.0	1,036 (-9%)	6mo	$193,000	$186	58
3801 Meadowlark Cir	0.59mi	2/2.0	1,216 (+7%)	4mo	$152,000	$125	57
31 Huarte Way	0.71mi	2/2.0	1,188 (+5%)	3mo	$45,000	$38	56
23 Oro Grande Way	0.69mi	2/2.0	1,088 (-4%)	6mo	$45,000	$41	56
7921 Meadowlark Ln	0.51mi	2/2.0	1,301 (+15%)	2mo	$115,000	$88	50
10 Padre	0.72mi	2/2.0	1,280 (+13%)	4mo	$38,000	$30	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 · 1.92% rent growth · sell at horizon

5-year hold

• IRR: -5.7%
• Equity multiple: 0.79×
• Total profit: $-8,126
• Equity at exit: $20,860

10-year hold

• IRR: 2.4%
• Equity multiple: 1.16×
• Total profit: $6,389
• Equity at exit: $12,096

Cash invested: $39,172 (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 34952

• Home prices YoY: -29.6%
• Rents YoY: 1.9%
• Active inventory: 639
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $2,055 high
• Mortgage (P&I): −$734
• Tax from tax record: −$242 /mo · $2,901/yr
• Insurance: −$58
• HOA: −$331
• Vacancy / Maint / Mgmt: −$432
• Net cashflow: $259

Break-even live

Break-even rent $1,727

Max offer price $139,900

Occupancy floor 82%

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3784 Sapodilla Ct Port Saint Lucie, FL	2.0	2.0	1121	$2,300	$2.05	23d	1	0.66mi
1900 Bella Vista Way Port Saint Lucie, FL	1.0–2.0	1.0–2.0	995	$1,764	$1.77	14d	15	0.66mi
71 W Caribbean Port St. Lucie, FL	2.0	2.0	1417	$1,700	$1.20	23d	1	0.85mi
1131 SE Parrish Ct Port Saint Lucie, FL	2.0	1.0	902	$2,000	$2.22	23d	1	1.11mi
1811 SE Walton Lakes Dr Port Saint Lucie, FL	2.0	1.0–2.0	1117	$1,926	$1.72	14d	6	1.12mi
1810 SE Pinewood Trl Port Saint Lucie, FL	1.0–2.0	1.0–2.0	1013	$2,055	$2.03	14d	7	1.14mi
2058 SE Wild Meadow Cir #101 Port St Lucie, FL	2.0	2.5	1425	$2,200	$1.54	14d	1	1.21mi
2209 SE East Dunbrooke Cir Port Saint Lucie, FL	3.0	2.0	1212	$2,950	$2.43	14d	1	1.24mi
2130 SE Wild Meadow Cir Port Saint Lucie, FL	2.0	2.0	1440	$1,695	$1.18	14d	1	1.24mi

HOA detail

• Monthly dues: $331 · $3,972/yr
• Likely covers: trashinternetcablepoolgym

Listing history 28 events

1. 2026-06-18
   days on market $139,900 Active 84 DOM
2. 2026-06-17
   days on market $139,900 Active 83 DOM
3. 2026-06-16
   days on market $139,900 Active 82 DOM
4. 2026-06-15
   price $139,900 Active 81 DOM
5. 2026-06-15
   days on market $144,900 Active 81 DOM
6. 2026-06-14
   days on market $144,900 Active 79 DOM
7. 2026-06-13
   days on market $144,900 Active 78 DOM
8. 2026-06-10
   days on market $144,900 Active 76 DOM
9. 2026-06-09
   days on market $144,900 Active 75 DOM
10. 2026-06-08
    days on market $144,900 Active 74 DOM
11. 2026-06-07
    days on market $144,900 Active 73 DOM
12. 2026-06-05
    days on market $144,900 Active 70 DOM
13. 2026-06-03
    days on market $144,900 Active 69 DOM
14. 2026-06-02
    days on market $144,900 Active 68 DOM
15. 2026-06-01
    days on market $144,900 Active 67 DOM
16. 2026-05-31
    days on market $144,900 Active 66 DOM
17. 2026-05-30
    days on market $144,900 Active 65 DOM
18. 2026-05-20
    status Pending
19. 2026-04-20
    historical Active Under Contract
20. 2026-04-17
    price $144,900
21. 2026-03-21
    listed $149,999 Active
22. 2025-01-14
    soldstatus $196,600
23. 2025-01-10
    soldstatus $122,000 Closed 803-char remark

    Show marketing remark (803 chars)

    $20,000 PRICE REDUCTION! Affordable Savanna Club living in this Fully Furnished 2/2 home with Laminate flooring throughout. Great eat-in Kitchen with newer appliances and Butcher Block Island. Enclosed Lanai, Fenced Outdoor Patio w/attached grassy Dog Run. New roof in 2023 and Air Conditioner unit in 2015. Low HOA $285.81 & includes cable, internet, trash pickup and all the fabulous amenities Savanna Club offers including 3 clubhouses, pools, fitness centers, a Theater and onsite Restaurant, Pickleball, Tennis, Horseshoes, Shuffleboard & so many HOA activities and Clubs to join! Low Land Lease $3941st year, $507 2nd year and $621 3rd year. This is your chance to live the Savanna Club resort lifestyle at a very low price! Move-in Ready Turnkey Home. A must see! All sizes appro

24. 2024-12-18
    historical Active Under Contract 803-char remark

    Show marketing remark (803 chars)

    $20,000 PRICE REDUCTION! Affordable Savanna Club living in this Fully Furnished 2/2 home with Laminate flooring throughout. Great eat-in Kitchen with newer appliances and Butcher Block Island. Enclosed Lanai, Fenced Outdoor Patio w/attached grassy Dog Run. New roof in 2023 and Air Conditioner unit in 2015. Low HOA $285.81 & includes cable, internet, trash pickup and all the fabulous amenities Savanna Club offers including 3 clubhouses, pools, fitness centers, a Theater and onsite Restaurant, Pickleball, Tennis, Horseshoes, Shuffleboard & so many HOA activities and Clubs to join! Low Land Lease $3941st year, $507 2nd year and $621 3rd year. This is your chance to live the Savanna Club resort lifestyle at a very low price! Move-in Ready Turnkey Home. A must see! All sizes appro

25. 2024-12-03
    price $129,900 803-char remark

    Show marketing remark (803 chars)

    $20,000 PRICE REDUCTION! Affordable Savanna Club living in this Fully Furnished 2/2 home with Laminate flooring throughout. Great eat-in Kitchen with newer appliances and Butcher Block Island. Enclosed Lanai, Fenced Outdoor Patio w/attached grassy Dog Run. New roof in 2023 and Air Conditioner unit in 2015. Low HOA $285.81 & includes cable, internet, trash pickup and all the fabulous amenities Savanna Club offers including 3 clubhouses, pools, fitness centers, a Theater and onsite Restaurant, Pickleball, Tennis, Horseshoes, Shuffleboard & so many HOA activities and Clubs to join! Low Land Lease $3941st year, $507 2nd year and $621 3rd year. This is your chance to live the Savanna Club resort lifestyle at a very low price! Move-in Ready Turnkey Home. A must see! All sizes appro

26. 2024-08-15
    price $139,900 803-char remark

    Show marketing remark (803 chars)

    $20,000 PRICE REDUCTION! Affordable Savanna Club living in this Fully Furnished 2/2 home with Laminate flooring throughout. Great eat-in Kitchen with newer appliances and Butcher Block Island. Enclosed Lanai, Fenced Outdoor Patio w/attached grassy Dog Run. New roof in 2023 and Air Conditioner unit in 2015. Low HOA $285.81 & includes cable, internet, trash pickup and all the fabulous amenities Savanna Club offers including 3 clubhouses, pools, fitness centers, a Theater and onsite Restaurant, Pickleball, Tennis, Horseshoes, Shuffleboard & so many HOA activities and Clubs to join! Low Land Lease $3941st year, $507 2nd year and $621 3rd year. This is your chance to live the Savanna Club resort lifestyle at a very low price! Move-in Ready Turnkey Home. A must see! All sizes appro

27. 2024-07-09
    listed $159,900 Active 803-char remark

    Show marketing remark (803 chars)

    $20,000 PRICE REDUCTION! Affordable Savanna Club living in this Fully Furnished 2/2 home with Laminate flooring throughout. Great eat-in Kitchen with newer appliances and Butcher Block Island. Enclosed Lanai, Fenced Outdoor Patio w/attached grassy Dog Run. New roof in 2023 and Air Conditioner unit in 2015. Low HOA $285.81 & includes cable, internet, trash pickup and all the fabulous amenities Savanna Club offers including 3 clubhouses, pools, fitness centers, a Theater and onsite Restaurant, Pickleball, Tennis, Horseshoes, Shuffleboard & so many HOA activities and Clubs to join! Low Land Lease $3941st year, $507 2nd year and $621 3rd year. This is your chance to live the Savanna Club resort lifestyle at a very low price! Move-in Ready Turnkey Home. A must see! All sizes appro

28. 2004-02-26
    soldstatus $103,200

ⓘ 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: $2,901 · $242/mo
• Projected year-2 tax: $2,901 · $242/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 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 · 24 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,659
• − Mortgage interest: −$7,837
• − Property taxes: −$2,901
• − Insurance: −$700
• − Repairs & maintenance: −$1,973
• − Management: −$1,973
• − HOA: −$3,972
• − Depreciation: −$4,070
• Taxable income: $1,235
• Est. tax owed @ 24.0%: −$296
• After-tax cash flow: $2,808/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: 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

• County: Saint Lucie County · 337,150 people
• Metro: Port St. Lucie, FL
• Population (ZIP): 42,655
• Household income: $61,628
• Rent vs Own: 25.8% rent · 74.2% own
• Severe rent burden: 1759.0

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 0.57)
• Race & ethnicity: White 62% Hispanic / Latino 19% Two or more races 14% Black 10% Asian 3%
• Hispanic origin (detail): Mexican 4% Puerto Rican 4% Cuban 2% Dominican 2%
• Common ancestry: Romanian 3% Lithuanian 2% Hispanic 1%
• Foreign-born: 18% · Canada, Jamaica, China
• Languages at home: 76% English-only · Spanish 16% French/Haitian/Cajun 3% Tagalog/Filipino 2%

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: —

Market trends

• HPI YoY: ▼ -155.80%
• Current HPI: 371.0573
• Rent YoY: ▲ 1.92%
• Metro: Port St. Lucie, 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

+40.4% since first listed

11 events — show timeline

• 2026-05-20 Pending — Beaches MLS
• 2026-04-20 Contingent — Beaches MLS
• 2026-04-17 Price Changed $144,900 Beaches MLS
• 2026-03-21 Listed $149,999 Beaches MLS
• 2025-01-14 Sold (Public Records) $196,600 Public Records
• 2025-01-10 Sold (MLS) $122,000 Beaches MLS
• 2024-12-18 Contingent — Beaches MLS
• 2024-12-03 Price Changed $129,900 Beaches MLS
• 2024-08-15 Price Changed $139,900 Beaches MLS
• 2024-07-09 Listed $159,900 Beaches MLS
• 2004-02-26 Sold (Public Records) $103,200 Public Records

Property tax history

+17.3%/yr

Latest (2025): $2,901 · +673.3% YoY. Source: county tax records.