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14083 SW Thorens Dr
D- Composite 38.52
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).

  • ARV discount +15.0/15.0
  • Cash flow +5.7/30.0
  • Condition / age +4.8/5.0
  • Schools +3.9/10.0
  • 1% rule +3.4/10.0
  • Rent growth +3.2/5.0
  • Livability +2.5/5.0
  • DSCR +0.1/10.0
  • Appreciation +0.0/10.0

$349,900

14083 SW Thorens Dr · Port St. Lucie, FL 34987
3 bd · 2.5 ba · 1,674 sqft · SingleFamily public records · 48 Days on market
Built 2024 Excellent condition 2,880 sqft lot 2-car garage $209/sqft · 19% below area Est $433k · 19% under $393/mo HOA · 13% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

The Ashton is a one-of-a-kind, 1,674 sq. ft. floorplan that is versatile and perfect for everyday living. This townhome will only be found on the interior block of homes, with a porch in front and private covered lanai in the rear. A large kitchen on the side of the home lends itself to a desirable amount of cooking and counter space in addition to cabinetry lining the walls. You'll find in the Ashton the three double windows which make most of our plans at Cadence special, enjoying the bright airy feeling that comes in with the natural light. Upstairs, find a good separation of space with an owner's suite and bath in the rear and secondary beds and bath in the front separated by a cozy loft and laundry.

Key facts

  • Clubhouse
  • Pool
  • 3 minutes from park

Tags

CLUBHOUSEPOOL3 MINUTES FROM HIGH SCHOOL3 MINUTES FROM PARK

Neighborhood map

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 3-bed/2.5-bath single-family listed at $350k. Condition is rated excellent.

Deal economics

  • At list price, monthly cash flow is $-716 ($-9k/yr) — negative.
  • To cash-flow at today's rent, offer at most $223k (36.2% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $294k (15.9% below list).
  • Recommended offer: $223k (36.2% below list) — sets the bar for cash-flow.

Location & tenants

  • Location reads: area grade D — 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.
  • Zoned schools: Manatee Academy K-8 (math 53% / reading 51%, grade C-, #990 of 2,144 statewide, top 48%, 1,664 students, 65% FRL); Southern Oaks Middle School (math 39% / reading 43%, grade F, #353 of 571 statewide, top 63%, 894 students, 76% FRL); Fort Pierce Central High School (math 15% / reading 45%, grade F, #441 of 667 statewide, top 67%, 3,091 students, 62% FRL).
  • Market conditions: Rents rising (+2.8%/yr); 1637 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 41% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
  • This rent runs 39% of the median local income ($90k/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 $10k 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 48 days — a 3% lower offer ($339k) is reasonable based on typical stale-listing flexibility.
  • 3 sale attempts since 2y ago; this cycle's ask is 11563% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $223,368 (36.2% below list)

Questions for the listing agent

  1. 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?
  2. It's been on market 48 days. Have you received any prior offers? Is the seller open to a 36% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. 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?
  6. 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.
  7. 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.
  8. 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
0.84%
Cap rate
3.84%
Cash-on-cash
-8.77%
DSCR
0.61
GRM
9.9

CMA / ARV

ARV (median comp)
$433,372
List price
$349,900
Delta
-19.26%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
14132 SW Enzi Way 0.16mi 3/2.0 1,894 (+13%) 6mo $425,000 $224 64
10559 SW Orana Dr 0.25mi 3/2.0 1,894 (+13%) 3mo $415,000 $219 62
14198 SW Harker St 0.20mi 4/2.0 (+1) 1,894 (+13%) 3mo $485,000 $256 60
10026 SW Arezzo Rd 0.63mi 2/2.0 (-1) 1,610 (-4%) 5mo $360,000 $224 54
14449 SW Ellison Dr 0.45mi 3/2.0 1,894 (+13%) 4mo $420,000 $222 51
13321 SW Mazzano St 0.70mi 2/2.0 (-1) 1,610 (-4%) 5mo $375,868 $233 50
14468 SW Urbane Way 0.56mi 3/2.0 1,894 (+13%) 0mo $413,900 $219 50
12853 SW Ambra St 0.64mi 2/2.0 (-1) 1,777 (+6%) 5mo $399,000 $225 49
13465 SW Mazzano St 0.60mi 2/2.0 (-1) 1,778 (+6%) 8mo $399,684 $225 48
14294 SW Artesia Dr 0.57mi 3/2.0 1,904 (+14%) 0mo $490,000 $257 48
13313 SW Mazzano St 0.71mi 2/2.0 (-1) 1,778 (+6%) 5mo $422,074 $237 46
13345 SW Mazzano St 0.72mi 2/2.0 (-1) 1,778 (+6%) 5mo $421,150 $237 45

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 · 2.77% rent growth · sell at horizon

5-year hold
IRR
-32.0%
Equity multiple
-0.05×
Total profit
$-102,571
Equity at exit
$52,171
10-year hold
IRR
-37.3%
Equity multiple
-0.52×
Total profit
$-149,099
Equity at exit
$30,253

Cash invested: $97,972 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
38 active · 28 under contract
Months of supply
9.1 mo (11%/mo absorbed)
Median asking
$435,000 ($233/sqft)
Median days on market
96 d
This list price
lowest-priced of the active set
ARV vs active asking
+11.1% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34987

Home prices YoY
-21.6%
Rents YoY
2.8%
Active inventory
1637
Price-to-rent
9.9×

Monthly cashflow live

Estimated rent
$2,943 high interval (Pro) →
Mortgage (P&I)
$1,835
Tax from tax record
$667 /mo · $8,010/yr
Insurance
$146
HOA
$393
Vacancy / Maint / Mgmt
$618
Net cashflow
$-716

Break-even live

Break-even rent $3,850
Max offer price $223,368
Occupancy floor

Sensitivity live

Price -10% $-518 -5% $-617 +0% $-716 +5% $-815 +10% $-914
Rent -10% $-949 -5% $-833 +0% $-716 +5% $-600 +10% $-484
Rate -1.0pp $-540 -0.5pp $-627 base $-716 +0.5pp $-807 +1.0pp $-899

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
$87,475
Closing costs
$10,497
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 32 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
14075 SW Thorens Dr Port Saint Lucie, FL 3.0 2.5 1916 $2,800 $1.46 119d 1 0.01mi
14043 SW Thorens Dr Port St Lucie, FL 3.0 2.5 1674 $2,725 $1.63 6d 1 0.03mi
14122 SW Thorens Dr Port Saint Lucie, FL 3.0 2.5 1674 $2,700 $1.61 109d 1 0.04mi
14162 SW Thorens Dr Port Saint Lucie, FL 3.0 2.5 1754 $2,650 $1.51 119d 1 0.05mi
14047 SW Safi Ter Port St Lucie, FL 3.0 2.0 1657 $2,900 $1.75 6d 1 0.10mi
14182 SW Solange St Port St Lucie, FL 3.0 2.5 1916 $2,750 $1.44 6d 1 0.10mi
14143 SW Safi Ter Port St Lucie, FL 3.0 2.0 1651 $2,900 $1.76 6d 1 0.16mi
10550 SW Orana Dr Port St Lucie, FL 3.0 2.5 2209 $3,750 $1.70 3d 1 0.23mi
14058 SW Surina St Port Saint Lucie, FL 4.0 2.0 1894 $2,990 $1.58 109d 1 0.24mi
10495 SW Orana Dr Port Saint Lucie, FL 3.0 2.0 1657 $3,000 $1.81 119d 1 0.25mi
14185 SW Daphne St Port St Lucie, FL 3.0 2.5 2053 $4,000 $1.95 6d 1 0.27mi
10607 SW Orana Dr Port St Lucie, FL 3.0 2.0 1657 $3,000 $1.81 6d 1 0.29mi
14393 SW Ellison Dr Port St Lucie, FL 3.0 2.0 1657 $2,850 $1.72 6d 1 0.39mi
14417 SW Ellison Dr Port St Lucie, FL 3.0 2.5 2209 $3,500 $1.58 6d 1 0.42mi
9982 SW Torquay Dr Port St Lucie, FL 3.0 2.5 1917 $2,950 $1.54 6d 1 0.62mi
12813 SW Ambra St Port St Lucie, FL 3.0 2.5 1828 $3,200 $1.75 6d 1 0.70mi
12401 SW Arabella Dr Port Saint Lucie, FL 4.0 2.0 1916 $2,650 $1.38 119d 1 0.85mi
12808 SW Eleanor Dr Port Saint Lucie, FL 3.0 2.0 1998 $2,700 $1.35 119d 1 0.86mi
12800 SW Eleanor Dr Port Saint Lucie, FL 3.0 2.5 1998 $2,675 $1.34 119d 1 0.87mi
10574 SW Cambria Ln Port Saint Lucie, FL 4.0 2.0 1916 $3,000 $1.57 119d 1 0.90mi
9796 SW Santini Rd Port Saint Lucie, FL 2.0 2.0 1929 $3,500 $1.81 109d 1 0.92mi
12439 SW Keating Dr Port St Lucie, FL 3.0 2.0 2000 $3,250 $1.62 6d 1 1.07mi
13138 SW Valletta Way Port St Lucie, FL 3.0–4.0 2.5 1727 $2,599 $1.50 0d 28 1.22mi
13138 SW Vallettia Way Unit 21-211 Port St. Lucie, FL 3.0 2.5 1634 $2,676 $1.64 6d 1 1.22mi
13138 SW Vallettia Way Unit 32-186 Port St. Lucie, FL 3.0 2.5 1634 $2,649 $1.62 3d 1 1.22mi
12869 SW Forli Way Port St Lucie, FL 3.0 2.5 1673 $2,300 $1.37 6d 1 1.23mi
12865 SW Forli Way Port Saint Lucie, FL 3.0 2.5 1673 $2,700 $1.61 117d 1 1.23mi
12845 SW Forli Way Port Saint Lucie, FL 3.0 2.5 1758 $2,800 $1.59 109d 1 1.25mi
12813 SW Forli Way Port St Lucie, FL 3.0 2.5 1673 $2,500 $1.49 6d 1 1.27mi
9832 SW Triton Way Port St Lucie, FL 4.0 2.0 1828 $2,800 $1.53 6d 1 1.33mi
9670 SW Libertas Way Port Saint Lucie, FL 3.0 2.0 1503 $2,700 $1.80 109d 1 1.45mi
12326 SW Rimini Way Port St Lucie, FL 3.0 2.0 1504 $2,700 $1.80 6d 1 1.46mi

Property features AI

Finance

Other
Pets allowed (dogs OK; pet restrictions possible)
HOA & community
Homeowners association with monthly feeHOA amenities include pool, playground, and picnic areaHOA fee $393 monthly (includes cable TV, internet, common areas, and pool service)

Exterior

Parking
Attached 2-car garageAttached carport with 2 spaces (4 covered spaces total)Concrete parkingGarage and carport
Security
Smoke detector(s)
Utilities
Public waterPublic sewerCable availableElectricity availableWater connected
Home design
TownhouseResale property2 storiesFaces southeastRoad frontage west of US-1
Construction
Built with block, brick, concrete (CBS)Shingle roofBlock foundationBuilt by Mattamy Homes
Exterior features
Lake access waterfrontAsphalt road frontageNo other structures

Interior

Kitchen
DisposalDishwasherElectric rangeMicrowaveRefrigerator
Bedrooms
3 bedrooms on the main level
Flooring
CarpetCeramic tile
Bathrooms
2 full bathrooms and 1 half bathroom (3 total)
Heating & cooling
Central heatingCentral air conditioning
Interior features
ShuttersSmoke detector(s)
Laundry & utility
Laundry closetInside laundry room on upper levelElectric water heater

Listing history 19 events

  1. 2026-06-10
    days on market $349,900 Active 48 DOM
  2. 2026-06-09
    days on market $349,900 Active 47 DOM
  3. 2026-06-08
    days on market $349,900 Active 46 DOM
  4. 2026-06-07
    days on market $349,900 Active 45 DOM
  5. 2026-06-05
    days on market $349,900 Active 42 DOM
  6. 2026-06-03
    days on market $349,900 Active 41 DOM
  7. 2026-06-02
    days on market $349,900 Active 40 DOM
  8. 2026-06-01
    days on market $349,900 Active 39 DOM
  9. 2026-05-31
    days on market $349,900 Active 38 DOM
  10. 2026-05-30
    days on market $349,900 Active 37 DOM
  11. 2026-05-18
    price $349,900
  12. 2026-05-08
    price $2,900
  13. 2026-05-07
    price $379,900
  14. 2026-04-29
    listed $3,000
  15. 2026-04-23
    listed $389,900 Active
  16. 2024-09-30
    soldstatus $359,900
  17. 2024-08-01
    status Pending 713-char remark
    Show marketing remark (713 chars)

    The Ashton is a one-of-a-kind, 1,674 sq. ft. floorplan that is versatile and perfect for everyday living. This townhome will only be found on the interior block of homes, with a porch in front and private covered lanai in the rear. A large kitchen on the side of the home lends itself to a desirable amount of cooking and counter space in addition to cabinetry lining the walls. You'll find in the Ashton the three double windows which make most of our plans at Cadence special, enjoying the bright airy feeling that comes in with the natural light. Upstairs, find a good separation of space with an owner's suite and bath in the rear and secondary beds and bath in the front separated by a cozy loft and laundry.

  18. 2024-07-24
    soldstatus $359,890 Closed 713-char remark
    Show marketing remark (713 chars)

    The Ashton is a one-of-a-kind, 1,674 sq. ft. floorplan that is versatile and perfect for everyday living. This townhome will only be found on the interior block of homes, with a porch in front and private covered lanai in the rear. A large kitchen on the side of the home lends itself to a desirable amount of cooking and counter space in addition to cabinetry lining the walls. You'll find in the Ashton the three double windows which make most of our plans at Cadence special, enjoying the bright airy feeling that comes in with the natural light. Upstairs, find a good separation of space with an owner's suite and bath in the rear and secondary beds and bath in the front separated by a cozy loft and laundry.

  19. 2024-05-31
    listed $364,890 Active 713-char remark
    Show marketing remark (713 chars)

    The Ashton is a one-of-a-kind, 1,674 sq. ft. floorplan that is versatile and perfect for everyday living. This townhome will only be found on the interior block of homes, with a porch in front and private covered lanai in the rear. A large kitchen on the side of the home lends itself to a desirable amount of cooking and counter space in addition to cabinetry lining the walls. You'll find in the Ashton the three double windows which make most of our plans at Cadence special, enjoying the bright airy feeling that comes in with the natural light. Upstairs, find a good separation of space with an owner's suite and bath in the rear and secondary beds and bath in the front separated by a cozy loft and laundry.

ⓘ 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
$8,010 · $667/mo
Projected year-2 tax
$8,010 · $667/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 6/10 Major
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥107°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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$35,315
− Mortgage interest
−$19,600
− Property taxes
−$8,010
− Insurance
−$1,750
− Repairs & maintenance
−$2,825
− Management
−$2,825
− HOA
−$4,716
− Depreciation
−$10,179
Taxable loss
−$14,589
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$3,501
After-tax cash flow
$-5,094/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 · 6 photos

Excellent 95/100 None rehab

This well-maintained, move-in-ready townhouse in Tradition offers a perfect blend of modern design and community amenities.

Value-add opportunities

  • Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics.
  • Both Landscaping improvements — Enhances curb appeal and adds value to the property.
F Composite school gradezoned avg 39/100

Zoned Schools

Elementary Parkway Elementary School F FL #1,744/2,144 Nat'l #24,299/41,679 Middle Southport Middle School D+ FL #300/571 Nat'l #4,433/14,009 High St. Lucie West Centennial High F FL #351/667 Nat'l #9,347/17,239

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 · 338,016 people
City population
221,051
Metro
Port St. Lucie, FL
Population (ZIP)
21,727
Household income
$90,201
Rent vs Own
18.9% rent · 81.1% own
Severe rent burden
23% of renters

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
Predominantly White (70%)
Race & ethnicity
White 70% Hispanic / Latino 15% Black 12% Two or more races 11%
Hispanic origin (detail)
Mexican 1% Puerto Rican 7% Cuban 1%
Common ancestry
Romanian 4% Italian 3% Scotch-Irish 2%
Foreign-born
15% · Canada, Dominican Republic, Jamaica
Languages at home
83% English-only · Spanish 13% Arabic 1% Other Indo-European 1%

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

Price history

-99.2% since first listed
11 events — show timeline
  • 2026-06-11 Listing Removed Beaches MLS
  • 2026-06-06 Rental Removed $2,900 GFLMLS
  • 2026-05-18 Price Changed $349,900 Beaches MLS
  • 2026-05-08 Price Changed $2,900 GFLMLS
  • 2026-05-07 Price Changed $379,900 Beaches MLS
  • 2026-04-29 Listed for Rent $3,000 GFLMLS
  • 2026-04-23 Listed $389,900 Beaches MLS
  • 2024-09-30 Sold (Public Records) $359,900 Public Records
  • 2024-08-01 Pending Beaches MLS
  • 2024-07-24 Sold (MLS) $359,890 Beaches MLS
  • 2024-05-31 Listed $364,890 Beaches MLS

Property tax history

+137.5%/yr

Latest (2025): $8,010 · +445.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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