1092 SE Madison Ave · Stuart, FL
Flood risk 3/10 · Minor
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.13%
- 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 106°F)
- 7 days/yr
- Hot days in 30 yrs
- 24 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the F 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).
- Appreciation +10.0/10.0
- Cash flow +6.4/30.0
- Schools +4.5/10.0
- Livability +4.2/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- ARV discount +2.2/15.0
- 1% rule +1.0/10.0
- DSCR +0.7/10.0
$499,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Significant price improvement--bring an offer! With flexible living space, modern updates, lush tropical landscaping, & an unbeatable heart-of-Stuart location, this home delivers the best of Florida living, just minutes from the beach. This versatile residence features a large hobby room + an additional cozy office (potential 4th bedroom). Completely renovated bathrooms will WOW with modern vibe & most sought-after design, including curbless-entry shower in primary bath. Inviting interior features original hardwood floors. Enjoy peace-of-mind with full impact glass, 2017 roof, & new attic insulation. The kitchen shines with all Bosch appliances (2021), while smart-home upgrades include a Nest thermostat & digitally converted irrigation system. Step outside to a oversized fenced backyard with patio & your own tropical fruit oasis, featuring guava, dragonfruit, lime, cherry, & more—perfect for relaxing or entertaining. Schedule your showing today.
Key facts
- 0.24 acre lot
- Parking
- Built 1972
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $499k.
Deal economics
- At list price, monthly cash flow is $-864 ($-10k/yr) — negative.
- To cash-flow at today's rent, offer at most $346k (30.6% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $301k (39.8% below list).
- Recommended offer: $301k (39.8% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 84/100 on livability (#39 in FL, #790 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+; Watch: crime C-, employment C-, amenities D.
- Martin (suburban): math 52% / reading 53% proficiency, ranked #24 of 73 in FL (top 33%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Market conditions: 251 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 737 units permitted in Martin County in 2024 (167 in 5+ unit buildings).
- This rent runs 43% of the median local income ($84k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- In year one you build about $53k of equity ($3k loan paydown + $50k appreciation (10.0% local appreciation)).
- Martin County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- By year 2, paydown + projected appreciation supports a ~$86k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 89 days — a 6% lower offer ($469k) is reasonable based on typical stale-listing flexibility.
- 6 sale attempts since 23y ago; this cycle's ask has dropped $126k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
- Current owner paid $310k; list at $499k implies a 61% 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.
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 89 days. Have you received any prior offers? Is the seller open to a 40% concession, seller financing, or rate buy-down credit?
- Built in 1972 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- 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.
- Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- 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?
- 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 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
- 0.60% ✗
- Cap rate
- 4.21%
- Cash-on-cash
- -7.42%
- DSCR
- 0.67
- GRM
- 13.8
CMA / ARV
- ARV (median comp)
- $446,235
- List price
- $499,000
- Delta
- 11.82%
- Verdict
- OVERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 918 SE Dolphin Dr | 0.12mi | 3/2.0 | 1,170 (-4%) | 9mo | $365,000 | $312 | 80 |
| 924 SE Dolphin Dr | 0.11mi | 3/1.0 | 1,300 (+6%) | 3mo | $445,000 | $342 | 78 |
| 1030 SE Dolphin Dr | 0.07mi | 3/2.0 | 1,376 (+12%) | 7mo | $487,000 | $354 | 70 |
| 1341 SE Starfish Ln | 0.17mi | 3/2.0 | 1,368 (+12%) | 5mo | $426,000 | $311 | 69 |
| 607 SE Cortez Ave | 0.71mi | 3/2.0 | 1,176 (-4%) | 2mo | $350,000 | $298 | 58 |
| 1143 SE 14th St | 0.33mi | 3/2.0 | 1,365 (+11%) | 9mo | $400,000 | $293 | 58 |
| 438 SE Fini Dr | 0.40mi | 3/1.5 | 1,073 (-12%) | 2mo | $330,000 | $308 | 57 |
| 413 SE Hibiscus Ave | 0.65mi | 2/1.5 (-1) | 1,203 (-2%) | 8mo | $279,000 | $232 | 54 |
| 507 SE Parkway Dr | 0.33mi | 2/1.0 (-1) | 1,073 (-12%) | 2mo | $330,000 | $308 | 53 |
| 1017 SE 16th Ct | 0.53mi | 3/2.0 | 1,368 (+12%) | 8mo | $360,000 | $263 | 49 |
| 912 SE Martin Luther King Jr Blvd | 0.66mi | 4/2.0 (+1) | 1,324 (+8%) | 4mo | $308,000 | $233 | 48 |
| 417 SE Parkway | 0.48mi | 2/1.0 (-1) | 1,073 (-12%) | 10mo | $317,500 | $296 | 40 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
10.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- 19.0%
- Equity multiple
- 2.55×
- Total profit
- $216,641
- Equity at exit
- $449,539
- IRR
- 17.6%
- Equity multiple
- 5.87×
- Total profit
- $681,090
- Equity at exit
- $969,447
Cash invested: $139,720 (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
ZIP-level market 34996
- Home prices YoY
- 2.1%
- Active inventory
- 251
- Price-to-rent
- 13.8×
Monthly cashflow live
- Estimated rent
- $3,005 high interval (Pro) →
- Mortgage (P&I)
- −$2,617
- Tax from tax record
- −$414 /mo · $4,962/yr
- Insurance
- −$208
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$631
- Net cashflow
- $-864
Break-even live
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
- $124,750
- Closing costs
- $14,970
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 25 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 333 SE Martin Ave Unit 1F Stuart, FL | 2.0 | 1.0 | 778 | $1,800 | $2.31 | 23d | 1 | 0.63mi |
| 1604 SE Apache Ave Stuart, FL | 4.0 | 2.0 | 1404 | $3,300 | $2.35 | 23d | 1 | 0.68mi |
| 2600 SE Ocean Blvd Stuart, FL | 1.0–2.0 | 1.5–2.0 | 951 | $1,900 | $2.00 | 14d | 3 | 0.74mi |
| 217 SE Coconut Ave Stuart, FL | 2.0 | 1.0 | 1197 | $5,000 | $4.18 | 23d | 1 | 0.82mi |
| 300 SE Saint Lucie Blvd Stuart, FL | 1.0–3.0 | 1.0–2.0 | 884 | $2,728 | $3.09 | 14d | 12 | 0.82mi |
| 917 SE Nassau Ave Stuart, FL | 2.0 | 1.0 | 832 | $1,900 | $2.28 | 21d | 1 | 0.85mi |
| 917 SE Nassau Ave Stuart, FL | 2.0 | 1.0 | 832 | $3,800 | $4.57 | 23d | 1 | 0.85mi |
| 175 SE Saint Lucie Blvd Stuart, FL | 2.0 | 2.0–2.5 | 1300 | $2,600 | $2.00 | 23d | 4 | 0.92mi |
| 2929 SE Ocean Blvd Unit 130 Stuart, FL | 2.0 | 2.0 | 1005 | $1,800 | $1.79 | 23d | 1 | 0.94mi |
| 2929 SE Ocean Blvd Stuart, FL | 1.0–2.0 | 1.0–2.0 | 812 | $2,400 | $2.96 | 23d | 6 | 0.95mi |
| 2929 SE Ocean Blvd Stuart, FL | 1.0–2.0 | 1.0–2.0 | 812 | $2,400 | $2.96 | 14d | 8 | 0.95mi |
| 2950 SE Ocean Blvd Stuart, FL | 2.0 | 2.0 | 1157 | $1,800 | $1.56 | 14d | 3 | 0.96mi |
| 262 SE Monterey Ave Stuart, FL | 3.0 | 1.0 | 1001 | $3,500 | $3.50 | 23d | 1 | 0.98mi |
| 1196 SE Saint Lucie Blvd Stuart, FL | 2.0 | 2.0 | 1309 | $4,300 | $3.28 | 23d | 1 | 0.99mi |
| 801 SE Central Pkwy #7 Stuart, FL | 2.0 | 2.0 | 1046 | $2,150 | $2.06 | 14d | 1 | 1.07mi |
| 2118 SE Edler Dr Unit B Stuart, FL | 2.0 | 2.0 | 876 | $1,995 | $2.28 | 23d | 1 | 1.12mi |
| 150 SE Four Winds Dr Unit B303 Stuart, FL | 2.0 | 2.0 | 1359 | $2,500 | $1.84 | 23d | 1 | 1.12mi |
| 2124 SE Edler Dr Stuart, FL | 2.0 | 2.0 | 876 | $1,800 | $2.05 | 23d | 1 | 1.14mi |
| 1215 SE Glenwood Dr Stuart, FL | 2.0 | 2.0 | 1089 | $1,859 | $1.71 | 14d | 10 | 1.17mi |
| 1800 SE Saint Lucie Blvd Stuart, FL | 2.0 | 2.0 | 1044 | $2,600 | $2.49 | 23d | 3 | 1.18mi |
| 801 SE Central Ave Stuart, FL | 3.0 | 1.0 | 899 | $2,300 | $2.56 | 14d | 1 | 1.18mi |
| 400 SE Central Pkwy Stuart, FL | 1.0–2.0 | 1.0–2.0 | 918 | $2,640 | $2.87 | 14d | 16 | 1.24mi |
| 2759 SE Birmingham Dr Stuart, FL | 2.0 | 2.5 | 1191 | $2,600 | $2.18 | 23d | 1 | 1.33mi |
| 345 SE Angler Dr Stuart, FL | 3.0 | 2.5 | 1475 | $2,650 | $1.80 | 21d | 1 | 1.33mi |
| 3001 SE Aster Ln #908 Stuart, FL | 2.0 | 2.0 | 1209 | $2,100 | $1.74 | 23d | 1 | 1.47mi |
Listing history 26 events
-
2026-05-04price $499,000 998-char remark
Show marketing remark (998 chars)
Significant price improvement--bring an offer! With flexible living space, modern updates, lush tropical landscaping, & an unbeatable heart-of-Stuart location, this home delivers the best of Florida living, just minutes from the beach. This versatile residence features a large hobby room + an additional cozy office (potential 4th bedroom). Completely renovated bathrooms will WOW with modern vibe & most sought-after design, including curbless-entry shower in primary bath. Inviting interior features original hardwood floors. Enjoy peace-of-mind with full impact glass, 2017 roof, & new attic insulation. The kitchen shines with all Bosch appliances (2021), while smart-home upgrades include a Nest thermostat & digitally converted irrigation system. Step outside to a oversized fenced backyard with patio & your own tropical fruit oasis, featuring guava, dragonfruit, lime, cherry, & more—perfect for relaxing or entertaining. Schedule your showing today.
-
2026-04-25status Active 998-char remark
Show marketing remark (998 chars)
Significant price improvement--bring an offer! With flexible living space, modern updates, lush tropical landscaping, & an unbeatable heart-of-Stuart location, this home delivers the best of Florida living, just minutes from the beach. This versatile residence features a large hobby room + an additional cozy office (potential 4th bedroom). Completely renovated bathrooms will WOW with modern vibe & most sought-after design, including curbless-entry shower in primary bath. Inviting interior features original hardwood floors. Enjoy peace-of-mind with full impact glass, 2017 roof, & new attic insulation. The kitchen shines with all Bosch appliances (2021), while smart-home upgrades include a Nest thermostat & digitally converted irrigation system. Step outside to a oversized fenced backyard with patio & your own tropical fruit oasis, featuring guava, dragonfruit, lime, cherry, & more—perfect for relaxing or entertaining. Schedule your showing today.
-
2026-04-25price $525,000 998-char remark
Show marketing remark (998 chars)
Significant price improvement--bring an offer! With flexible living space, modern updates, lush tropical landscaping, & an unbeatable heart-of-Stuart location, this home delivers the best of Florida living, just minutes from the beach. This versatile residence features a large hobby room + an additional cozy office (potential 4th bedroom). Completely renovated bathrooms will WOW with modern vibe & most sought-after design, including curbless-entry shower in primary bath. Inviting interior features original hardwood floors. Enjoy peace-of-mind with full impact glass, 2017 roof, & new attic insulation. The kitchen shines with all Bosch appliances (2021), while smart-home upgrades include a Nest thermostat & digitally converted irrigation system. Step outside to a oversized fenced backyard with patio & your own tropical fruit oasis, featuring guava, dragonfruit, lime, cherry, & more—perfect for relaxing or entertaining. Schedule your showing today.
-
2026-03-08price $575,000 998-char remark
Show marketing remark (998 chars)
Significant price improvement--bring an offer! With flexible living space, modern updates, lush tropical landscaping, & an unbeatable heart-of-Stuart location, this home delivers the best of Florida living, just minutes from the beach. This versatile residence features a large hobby room + an additional cozy office (potential 4th bedroom). Completely renovated bathrooms will WOW with modern vibe & most sought-after design, including curbless-entry shower in primary bath. Inviting interior features original hardwood floors. Enjoy peace-of-mind with full impact glass, 2017 roof, & new attic insulation. The kitchen shines with all Bosch appliances (2021), while smart-home upgrades include a Nest thermostat & digitally converted irrigation system. Step outside to a oversized fenced backyard with patio & your own tropical fruit oasis, featuring guava, dragonfruit, lime, cherry, & more—perfect for relaxing or entertaining. Schedule your showing today.
-
2026-03-01price $599,000 998-char remark
Show marketing remark (998 chars)
Significant price improvement--bring an offer! With flexible living space, modern updates, lush tropical landscaping, & an unbeatable heart-of-Stuart location, this home delivers the best of Florida living, just minutes from the beach. This versatile residence features a large hobby room + an additional cozy office (potential 4th bedroom). Completely renovated bathrooms will WOW with modern vibe & most sought-after design, including curbless-entry shower in primary bath. Inviting interior features original hardwood floors. Enjoy peace-of-mind with full impact glass, 2017 roof, & new attic insulation. The kitchen shines with all Bosch appliances (2021), while smart-home upgrades include a Nest thermostat & digitally converted irrigation system. Step outside to a oversized fenced backyard with patio & your own tropical fruit oasis, featuring guava, dragonfruit, lime, cherry, & more—perfect for relaxing or entertaining. Schedule your showing today.
-
2026-02-09$625,000 Active 998-char remark
Show marketing remark (998 chars)
Significant price improvement--bring an offer! With flexible living space, modern updates, lush tropical landscaping, & an unbeatable heart-of-Stuart location, this home delivers the best of Florida living, just minutes from the beach. This versatile residence features a large hobby room + an additional cozy office (potential 4th bedroom). Completely renovated bathrooms will WOW with modern vibe & most sought-after design, including curbless-entry shower in primary bath. Inviting interior features original hardwood floors. Enjoy peace-of-mind with full impact glass, 2017 roof, & new attic insulation. The kitchen shines with all Bosch appliances (2021), while smart-home upgrades include a Nest thermostat & digitally converted irrigation system. Step outside to a oversized fenced backyard with patio & your own tropical fruit oasis, featuring guava, dragonfruit, lime, cherry, & more—perfect for relaxing or entertaining. Schedule your showing today.
-
2020-11-24soldstatus $310,000
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2020-11-23soldstatus $310,000 Closed 547-char remark
Show marketing remark (547 chars)
3 Bedroom with Den/bedroom 2 Bath fully renovated home close to downtown Stuart. Separate Living Room and Large Family Room opens to fenced backyard. Granite Kitchen with new stove, microwave and dishwasher. Newer A/C and roof, CBS construction Real wood 3/4' flooring and tile floors. Large fenced Backyard with lots of room for a pool. Public Water and Sewer with Sprinkler system on well. Great for entertaining. Rear of property adjacent to St. Michael's school. Great in town location. Great location, approximately 2 miles to the shops
-
2020-10-29historical Active Under Contract 547-char remark
Show marketing remark (547 chars)
3 Bedroom with Den/bedroom 2 Bath fully renovated home close to downtown Stuart. Separate Living Room and Large Family Room opens to fenced backyard. Granite Kitchen with new stove, microwave and dishwasher. Newer A/C and roof, CBS construction Real wood 3/4' flooring and tile floors. Large fenced Backyard with lots of room for a pool. Public Water and Sewer with Sprinkler system on well. Great for entertaining. Rear of property adjacent to St. Michael's school. Great in town location. Great location, approximately 2 miles to the shops
-
2020-10-26price $314,900 547-char remark
Show marketing remark (547 chars)
3 Bedroom with Den/bedroom 2 Bath fully renovated home close to downtown Stuart. Separate Living Room and Large Family Room opens to fenced backyard. Granite Kitchen with new stove, microwave and dishwasher. Newer A/C and roof, CBS construction Real wood 3/4' flooring and tile floors. Large fenced Backyard with lots of room for a pool. Public Water and Sewer with Sprinkler system on well. Great for entertaining. Rear of property adjacent to St. Michael's school. Great in town location. Great location, approximately 2 miles to the shops
-
2020-10-19price $329,900 547-char remark
Show marketing remark (547 chars)
3 Bedroom with Den/bedroom 2 Bath fully renovated home close to downtown Stuart. Separate Living Room and Large Family Room opens to fenced backyard. Granite Kitchen with new stove, microwave and dishwasher. Newer A/C and roof, CBS construction Real wood 3/4' flooring and tile floors. Large fenced Backyard with lots of room for a pool. Public Water and Sewer with Sprinkler system on well. Great for entertaining. Rear of property adjacent to St. Michael's school. Great in town location. Great location, approximately 2 miles to the shops
-
2020-10-09$349,900 Active 547-char remark
Show marketing remark (547 chars)
3 Bedroom with Den/bedroom 2 Bath fully renovated home close to downtown Stuart. Separate Living Room and Large Family Room opens to fenced backyard. Granite Kitchen with new stove, microwave and dishwasher. Newer A/C and roof, CBS construction Real wood 3/4' flooring and tile floors. Large fenced Backyard with lots of room for a pool. Public Water and Sewer with Sprinkler system on well. Great for entertaining. Rear of property adjacent to St. Michael's school. Great in town location. Great location, approximately 2 miles to the shops
-
2020-10-07historical $349,900 547-char remark
Show marketing remark (547 chars)
3 Bedroom with Den/bedroom 2 Bath fully renovated home close to downtown Stuart. Separate Living Room and Large Family Room opens to fenced backyard. Granite Kitchen with new stove, microwave and dishwasher. Newer A/C and roof, CBS construction Real wood 3/4' flooring and tile floors. Large fenced Backyard with lots of room for a pool. Public Water and Sewer with Sprinkler system on well. Great for entertaining. Rear of property adjacent to St. Michael's school. Great in town location. Great location, approximately 2 miles to the shops
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2020-03-11soldstatus $220,000
-
2020-03-06soldstatus $220,000 Closed
-
2020-02-21status Pending
-
2020-02-17historical Active Under Contract
-
2020-02-05$229,000 Active
-
2005-07-20soldstatus $258,900
-
2005-07-18price $259,900
-
2005-07-18soldstatus $258,900
-
2005-04-20$258,900
-
2004-03-03soldstatus $165,000
-
2004-02-26soldstatus $165,000
-
2003-11-10$169,900
-
1996-05-01soldstatus $90,900
ⓘ 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
- $4,962 · $414/mo
- Projected year-2 tax
- $4,962 · $414/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 3/10 Moderate FEMA zone X (unshaded) · 13% 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 2/10 Low 2 unhealthy d/yr today · 2 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
- $36,061
- − Mortgage interest
- −$27,952
- − Property taxes
- −$4,962
- − Insurance
- −$2,495
- − Repairs & maintenance
- −$2,885
- − Management
- −$2,885
- − Depreciation
- −$14,516
- Taxable loss
- −$19,634
- Est. tax savings @ 24.0%
- +$4,712
- After-tax cash flow
- $-5,659/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
- Martin
- NCES district ID
- 1201290
- Math proficiency
- 52% ▼ -14.00%
- Reading proficiency
- 53% ▼ -4.00%
- Median HH income
- $52,482
- Composite
- 45.1/100
- National rank
- #2690
- State rank
- #24 of 73 in FL
Livability — Stuart
- Score
- 84/100
- State rank
- #39
- US rank
- #790
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Stuart, FL
- County
- Martin County · 165,223 people
- City population
- 65,812
- Metro
- Port St. Lucie, FL
- Population (ZIP)
- 10,653
- Household income
- $83,929
- Rent vs Own
- Severe rent burden
- 247.0
Population outlook (Martin County) Hauer SSP2
- Today (2025)
- 172,383 people
- By 2030
- 180,192 · +4.5%
- By 2040
- 194,114 · +12.6%
- By 2050
- 204,992 · +18.9%
- By 2075
- 229,641 · +33.2%
- By 2100
- 232,146 · +34.7%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (90%)
- Race & ethnicity
- White 90% Hispanic / Latino 7% Two or more races 5%
- Hispanic origin (detail)
- Puerto Rican 2%
- Common ancestry
- Italian 3% Romanian 3% Slovak 3%
- Foreign-born
- 6% · Canada
- Languages at home
- 94% English-only · Spanish 3% Other Indo-European 1% French/Haitian/Cajun 1%
Political lean MEDSL · Martin
- 2024 margin
- Solid R (+31.1) · D 34.1% · R 65.2%
- 2008→2024 swing
- -17.5pp toward R · 2008: -13.6pp · 2024: -31.1pp
- All cycles
- 2024: R+31.1 2020: R+24.6 2016: R+26.9 2012: R+22.9 2008: R+13.6
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▲ 13.71%
- Current HPI
- 658.96
- Rent YoY
- —
- 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 |
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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
+449.0% since first listed26 events — show timeline
- 2026-05-04 Price Changed $499,000 MCRTC
- 2026-04-25 Relisted — MCRTC
- 2026-04-25 Price Changed $525,000 MCRTC
- 2026-03-08 Price Changed $575,000 MCRTC
- 2026-03-01 Price Changed $599,000 MCRTC
- 2026-02-09 Listed $625,000 MCRTC
- 2020-11-24 Sold (Public Records) $310,000 Public Records
- 2020-11-23 Sold (MLS) $310,000 Beaches MLS
- 2020-10-29 Contingent — Beaches MLS
- 2020-10-26 Price Changed $314,900 Beaches MLS
- 2020-10-19 Price Changed $329,900 Beaches MLS
- 2020-10-09 Listed $349,900 Beaches MLS
- 2020-10-07 Coming Soon $349,900 Beaches MLS
- 2020-03-11 Sold (Public Records) $220,000 Public Records
- 2020-03-06 Sold (MLS) $220,000 MCRTC
- 2020-02-21 Pending — MCRTC
- 2020-02-17 Contingent — MCRTC
- 2020-02-05 Listed $229,000 MCRTC
- 2005-07-20 Sold (Public Records) $258,900 Public Records
- 2005-07-18 Sold (MLS) $258,900 MCRTC
- 2005-07-18 Price Changed $259,900 MCRTC
- 2005-04-20 Listed $258,900 MCRTC
- 2004-03-03 Sold (Public Records) $165,000 Public Records
- 2004-02-26 Sold (MLS) $165,000 MCRTC
- 2003-11-10 Listed $169,900 MCRTC
- 1996-05-01 Sold (Public Records) $90,900 Public Records
Property tax history
+7.9%/yrLatest (2025): $4,962 · -0.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…