None · Port St. Lucie, FL 34953

$260,000

3 bd · 2.0 ba · 1,397 sqft · SingleFamily public records · 2 Days on market

Built 1992 10,000 sqft lot Est $370k · 30% under

---

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 +23.9/30.0
• ARV discount +15.0/15.0
• DSCR +7.7/10.0
• 1% rule +5.3/10.0
• Schools +3.7/10.0
• Rent growth +2.6/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Beautifully updated 4BR/3BA home in a sought-after community! Features include an open-concept floor plan, quartz countertops, stainless steel appliances, and a spacious backyard perfect for entertaining. Conveniently located near shopping, dining, and major highways.

Key facts

• Quartz countertops
• Spacious backyard
• 0.23 acre lot

Tags

• OPEN-CONCEPT FLOOR PLAN
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• SPACIOUS BACKYARD

Property features AI

Finance

• Other: Property type: Residential, Single Family Residence; Zoning: RS-2
• HOA & community: Not in a development; No association indicated

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Public water; Public sewer; Electricity available; Cable available
• Home design: Single family residence; One story; East-facing
• Construction: Concrete construction; Shingle roof; Concrete perimeter foundation; Built on lot of about 0.2 acres
• Exterior features: Lighting; Sidewalk; Asphalt road frontage

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 3 bedrooms (one-level home)
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; Split bedroom floor plan; Thermostat
• Laundry & utility: Laundry room; Washer included

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $260k.

Deal economics

• At list price, monthly cash flow is $503 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $260k).
• Cap rate 8.6% 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 flat; 758 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
• This rent runs 38% 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 $2k of loan paydown is wiped out by about $8k 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

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 23y 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 $90k; list at $260k implies a 189% 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→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $260,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.03% ✓
• Cap rate: 8.62%
• Cash-on-cash: 8.30%
• DSCR: 1.37
• GRM: 8.1

CMA / ARV

• ARV (on-the-fly): $370,205
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
826 SW Trouville Ave	0.25mi	3/2.0	1,370 (-2%)	16mo	$349,999	$255	72
3616 SW Hale St	0.34mi	3/2.0	1,444 (+3%)	12mo	$375,000	$260	69
591 SW Halifax Ave	0.28mi	3/2.0	1,542 (+10%)	12mo	$400,000	$259	60
498 SW Prater Ave	0.59mi	3/2.0	1,463 (+5%)	7mo	$429,900	$294	59
749 SW Watson Pl	0.70mi	3/2.0	1,344 (-4%)	4mo	$309,000	$230	58
721 SW Mccullough Ave	0.73mi	3/2.0	1,257 (-10%)	2mo	$315,000	$251	48
691 SW Mccracken Ave	0.47mi	3/2.0	1,564 (+12%)	18mo	$389,900	$249	43
1008 SW Liberty Ave	0.59mi	3/2.0	1,247 (-11%)	16mo	$350,000	$281	41
902 SW Mccracken Ave	0.64mi	3/2.0	1,243 (-11%)	16mo	$379,990	$306	39
1022 SW Deauville Ave	0.72mi	4/2.0 (+1)	1,270 (-9%)	15mo	$393,900	$310	34
1020 SW Firestone Ave	0.67mi	3/2.0	1,552 (+11%)	21mo	$415,990	$268	33
1074 SW Mataro Ave	0.73mi	3/2.0	1,552 (+11%)	21mo	$411,990	$265	30

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 · 0.22% rent growth · sell at horizon

5-year hold

• IRR: -6.6%
• Equity multiple: 0.76×
• Total profit: $-17,436
• Equity at exit: $38,767

10-year hold

• IRR: -0.6%
• Equity multiple: 0.97×
• Total profit: $-2,491
• Equity at exit: $22,480

Cash invested: $72,800 (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.

Methodology + full state rankings →

ZIP-level market 34953

• Home prices YoY: -10.1%
• Rents YoY: 0.2%
• Active inventory: 758
• Price-to-rent: 8.1×

Monthly cashflow live

• Estimated rent: $2,678 high
• Mortgage (P&I): −$1,363
• Tax from tax record: −$141 /mo · $1,686/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$562
• Net cashflow: $503

Break-even live

Break-even rent $2,041

Max offer price $260,000

Occupancy floor 76%

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: $65,000
• Closing costs: $7,800
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3542 SW Viceroy St Port Saint Lucie, FL	4.0	2.0	1833	$2,536	$1.38	21d	1	0.33mi
3542 SW Viceroy St Port Saint Lucie, FL	4.0	2.0	1833	$2,380	$1.30	14d	1	0.33mi
602 SW Jeanne St Port Saint Lucie, FL	3.0	2.0	1061	$2,100	$1.98	23d	1	0.46mi
449 SW Fifer Ave Port Saint Lucie, FL	3.0	2.0	1435	$2,500	$1.74	14d	1	0.47mi
273 SW Sterret Cir Port St. Lucie, FL	2.0	1.0	933	$1,775	$1.90	23d	1	0.53mi
1025 SW Majorca Ave Port Saint Lucie, FL	3.0	2.0	1480	$3,300	$2.23	23d	1	0.61mi
902 SW McCracken Ave Port St. Lucie, FL	3.0	2.0	1245	$2,800	$2.25	23d	1	0.64mi
1037 SW Payne Ave Port Saint Lucie, FL	4.0	2.0	1867	$3,200	$1.71	23d	1	0.66mi
426 SW Eastport Cir Port Saint Lucie, FL	4.0	3.0	1512	$2,810	$1.86	14d	1	0.71mi
350 SW Belmont Cir Port Saint Lucie, FL	3.0	2.0	1761	$1,700	$0.97	23d	1	0.78mi
3681 SW Haines St Port Saint Lucie, FL	3.0	2.0	1542	$2,300	$1.49	21d	1	0.80mi
3681 SW Haines St Port Saint Lucie, FL	3.0	2.0	1542	$2,700	$1.75	14d	1	0.80mi
353 SW Belmont Cir Port Saint Lucie, FL	3.0	2.0	1176	$2,095	$1.78	23d	1	0.82mi
3912 SW McCrory St Port Saint Lucie, FL	3.0	2.0	1159	$2,350	$2.03	23d	1	0.84mi
1021 SW Dubois Ave Port Saint Lucie, FL	3.0	2.0	1331	$2,400	$1.80	23d	1	0.93mi
1217 SW Marmore Ave Port Saint Lucie, FL	3.0	2.0	1580	$3,700	$2.34	23d	1	0.96mi
1298 SW Crost Ave Port Saint Lucie, FL	4.0	2.0	1833	$2,566	$1.40	14d	1	1.05mi
952 SW Jasper Ave Port Saint Lucie, FL	4.0	2.0	1833	$2,216	$1.21	21d	1	1.23mi
3226 SW Nutley St Port Saint Lucie, FL	3.0	2.0	1552	$2,900	$1.87	23d	1	1.24mi
459 SW Laconic Ave Port Saint Lucie, FL	3.0	2.0	1351	$2,670	$1.98	14d	1	1.25mi
311 SW Homeland Rd Port Saint Lucie, FL	3.0	2.0	1395	$2,200	$1.58	14d	1	1.26mi
375 SW Tulip Blvd Port Saint Lucie, FL	3.0	2.0	1365	$2,100	$1.54	14d	1	1.35mi
511 SW Nadell Ave Port Saint Lucie, FL	4.0	2.0	1833	$2,486	$1.36	14d	1	1.45mi
3201 SW Collings Dr Port Saint Lucie, FL	3.0	2.0	1389	$2,616	$1.88	14d	1	1.45mi
1454 SW Medina Ave Port Saint Lucie, FL	3.0	2.0	1558	$2,395	$1.54	14d	1	1.49mi

Listing history 21 events

1. 2026-05-05
   status Pending
2. 2026-05-03
   listed $260,000 Active
3. 2014-10-25
   historical
4. 2013-09-21
   historical
5. 2010-07-28
   soldstatus $90,000
6. 2010-07-20
   soldstatus $90,000
7. 2010-07-14
   historical
8. 2010-03-26
   listed $96,870
9. 2010-03-05
   listed $188,770
10. 2010-03-05
    historical
11. 2010-03-05
    listed $88,750
12. 2010-01-14
    soldstatus $52,000
13. 2009-11-30
    historical
14. 2008-12-06
    listed $50,000
15. 2006-04-28
    soldstatus $180,000
16. 2006-04-13
    soldstatus $180,000
17. 2006-03-13
    historical
18. 2006-02-01
    listed $199,900
19. 2004-03-08
    soldstatus $126,000
20. 2003-09-08
    listed $144,900
21. 2002-02-18
    soldstatus $82,500

ⓘ 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: $1,686 · $141/mo
• Projected year-2 tax: $2,158 · $180/mo
• Expected delta: +$472/yr (+$39/mo · 28.0%)

ⓘ 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 1/10 Low
• 🌡 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 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $32,136
• − Mortgage interest: −$14,564
• − Property taxes: −$1,686
• − Insurance: −$1,300
• − Repairs & maintenance: −$2,571
• − Management: −$2,571
• − Depreciation: −$7,564
• Taxable income: $1,881
• Est. tax owed @ 24.0%: −$451
• After-tax cash flow: $5,588/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

• Census place: Port St. Lucie, FL
• County: Saint Lucie County · 337,150 people
• City population: 221,051
• Metro: Port St. Lucie, FL
• Population (ZIP): 86,875
• Household income: $85,667
• Rent vs Own: 13.1% rent · 86.9% own
• Severe rent burden: 857.0

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 0.69)
• Race & ethnicity: White 42% Hispanic / Latino 28% Black 23% Two or more races 15% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 8% Cuban 4% Dominican 3%
• Common ancestry: Hispanic 4% Romanian 2% Estonian 2%
• Foreign-born: 24% · Canada, Jamaica, China
• Languages at home: 69% English-only · Spanish 19% French/Haitian/Cajun 6% Other Indo-European 3%

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: ▼ -44.19%
• Current HPI: 392.7681
• Rent YoY: ▲ 0.22%
• 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

+215.2% since first listed

21 events — show timeline

• 2026-05-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-03 Listed $260,000 Stellar MLS as Distributed by MLS Grid
• 2014-10-25 Listing Removed — Beaches MLS
• 2013-09-21 Listing Removed — Beaches MLS
• 2010-07-28 Sold (Public Records) $90,000 Public Records
• 2010-07-20 Sold (MLS) $90,000 Beaches MLS
• 2010-07-14 Listing Removed — Beaches MLS
• 2010-03-26 Listed $96,870 Beaches MLS
• 2010-03-05 Listed $88,750 Beaches MLS
• 2010-03-05 Listing Removed — Beaches MLS
• 2010-03-05 Listed $188,770 Beaches MLS
• 2010-01-14 Sold (MLS) $52,000 Beaches MLS
• 2009-11-30 Listing Removed — Beaches MLS
• 2008-12-06 Listed $50,000 Beaches MLS
• 2006-04-28 Sold (Public Records) $180,000 Public Records
• 2006-04-13 Sold (MLS) $180,000 Beaches MLS
• 2006-03-13 Listing Removed — Beaches MLS
• 2006-02-01 Listed $199,900 Beaches MLS
• 2004-03-08 Sold (Public Records) $126,000 Public Records
• 2003-09-08 Listed $144,900 Beaches MLS
• 2002-02-18 Sold (Public Records) $82,500 Public Records

Property tax history

+1.7%/yr

Latest (2025): $1,686 · +4.4% YoY. Source: county tax records.