4441 Heartwood Trl · Stuart, FL 34997

$169,000

3 bd · 2.0 ba · 1,568 sqft · SingleFamily · 157 Days on market

Built 2004 Good condition $108/sqft · 52% below area

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.4/10.0
• Livability +4.2/5.0
• Condition / age +3.8/5.0
• Rent growth +3.2/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to peaceful easy living on the Treasure Coast! This lovely, spacious, clean and well-maintained, furnished home is at the back of the community and sits on a spacious lot that backs up to quiet and serene nature. New roof is being installed in 2 weeks! Experience a private screened lanai backing onto the preserve, which is perfect for grilling, dining, and relaxing with a cocktail. Additionally, this shaded area provides gentle breezes allowing for year-round enjoyment. This home features 3 bedrooms/2 full bathrooms. The substantial primary bedroom has a walk-in closet with space for all your clothes and more.

Key facts

• Fitness center
• Pickleball courts
• Whirlpool spas

Tags

• PRIVATE SCREENED LANAI
• FITNESS CENTER
• SPARKLING SWIMMING POOLS
• WHIRLPOOL SPAS
• PICKLEBALL COURTS
• TENNIS COURTS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $169k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $880 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $169k).
• Recommended offer: $149k (12.0% below list) — sets the bar for market timing.
• Cap rate 12.5% vs local median 3.5% in Stuart — 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 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.
• Zoned schools: Sea Wind Elementary School (math 43% / reading 46%, grade F, #1,288 of 2,144 statewide, top 62%, 501 students, 72% FRL); Murray Middle School (math 45% / reading 43%, grade D, #327 of 571 statewide, top 57%, 616 students, 69% FRL); South Fork High School (math 36% / reading 48%, grade F, #275 of 667 statewide, top 42%, 1,810 students, 51% FRL) — zoned schools average 64% FRL vs 41% district-wide (23 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.7%/yr); 936 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 51d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 737 units permitted in Martin County in 2024 (167 in 5+ unit buildings).
• This rent runs 40% of the median local income ($78k/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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Martin County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 2.7% rent growth), your $47k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 157 days — a 12% lower offer ($149k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $148,720 (12.0% below list)

Questions for the listing agent

1. It's been on market 157 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.53% ✓
• Cap rate: 12.54%
• Cash-on-cash: 22.31%
• DSCR: 1.99
• GRM: 5.4

CMA / ARV

• ARV (median comp): $353,745
• List price: $169,000
• Delta: -52.23%
• 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
4222 SE Satinleaf Pl	0.29mi	3/2.0	1,574 (+0%)	7mo	$435,000	$276	80
6883 SE Raintree Ave	0.24mi	3/2.0	1,518 (-3%)	7mo	$489,000	$322	77
6690 SE Raintree Ave	0.29mi	3/2.0	1,518 (-3%)	8mo	$450,000	$296	75
4401 SE Satinleaf Pl	0.39mi	3/2.0	1,518 (-3%)	4mo	$554,900	$366	73
6703 SE Raintree Ave	0.31mi	3/2.0	1,755 (+12%)	1mo	$501,000	$285	65
7819 SE Spicewood Cir	0.71mi	2/2.0 (-1)	1,553 (-1%)	1mo	$366,000	$236	60
6785 SE Warwick Ln	0.68mi	3/2.0	1,541 (-2%)	8mo	$373,000	$242	59
6910 SE Lillian Ct	0.25mi	2/2.0 (-1)	1,344 (-14%)	4mo	$308,000	$229	56
4251 SE Dixie Ross St	0.57mi	3/2.0	1,408 (-10%)	3mo	$365,000	$259	54
7770 SE Spicewood Cir	0.72mi	2/2.0 (-1)	1,553 (-1%)	7mo	$432,500	$278	54
7814 SE Spicewood Cir	0.73mi	2/2.0 (-1)	1,553 (-1%)	8mo	$475,000	$306	52
3782 SE Canvas Back Pl	0.38mi	2/2.0 (-1)	1,356 (-14%)	5mo	$330,000	$243	50

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 · 2.71% rent growth · sell at horizon

5-year hold

• IRR: 14.8%
• Equity multiple: 1.59×
• Total profit: $27,926
• Equity at exit: $25,198

10-year hold

• IRR: 23.3%
• Equity multiple: 2.98×
• Total profit: $93,542
• Equity at exit: $14,612

Cash invested: $47,320 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 18 active · 25 under contract
• Months of supply: 4.9 mo (20%/mo absorbed)
• Median asking: $459,000 ($302/sqft)
• Median days on market: 73 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -25.4% vs current asking $/sqft

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

ZIP-level market 34997

• Rents YoY: 2.7%
• Active inventory: 936
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $2,592 high
• Mortgage (P&I): −$886
• Tax est. 1.5%: −$211 /mo · $2,535/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$544
• Net cashflow: $880

Break-even live

Break-even rent $1,478

Max offer price $169,000

Occupancy floor 61%

Sensitivity live

Price	-10% $996	-5% $938	+0% $880	+5% $821	+10% $763
Rent	-10% $675	-5% $777	+0% $880	+5% $982	+10% $1,084
Rate	-1.0pp $965	-0.5pp $923	base $880	+0.5pp $836	+1.0pp $791

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: $42,250
• Closing costs: $5,070
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7073 SE Birchwood Ln Stuart, FL	2.0	2.0	1150	$1,750	$1.52	154d	1	0.24mi
3882 SE Canvas Back Pl Stuart, FL	3.0	2.0	1575	$2,200	$1.40	164d	1	0.28mi
4251 SE Dixie Ross St Stuart, FL	3.0	2.0	1408	$2,055	$1.46	41d	1	0.54mi
7280 SE Magellan Ln Stuart, FL	3.0	2.0	1598	$3,500	$2.19	17d	1	0.64mi
6797 SE Warwick Ln Stuart, FL	3.0	2.0	1541	$2,900	$1.88	51d	1	0.70mi
7960 SE Peppercorn Ct Hobe Sound, FL	2.0	2.0	1541	$2,750	$1.78	51d	1	0.80mi
7960 SE Peppercorn Ct Hobe Sound, FL	2.0	2.0	1541	$2,850	$1.85	107d	1	0.80mi
5915 SE Entry Ct Stuart, FL	3.0	2.0	1937	$3,400	$1.76	2d	1	0.82mi
5915 SE Entry Ct Stuart, FL	3.0	2.0	1937	$3,400	$1.76	10d	1	0.82mi
6531 SE Federal Hwy Unit T109 Stuart, FL	2.0	2.0	1084	$1,700	$1.57	17d	1	0.82mi
8240 SE Double Tree Dr Hobe Sound, FL	2.0	2.0	1610	$4,400	$2.73	38d	1	0.82mi
4488 SE Salvatori Rd Stuart, FL	3.0	2.0	1194	$2,398	$2.01	107d	1	0.83mi
4309 SE Scotland Cay Way Stuart, FL	2.0	2.0	1512	$2,700	$1.79	51d	1	0.83mi
4421 SE Village Rd Stuart, FL	2.0	2.0	1080	$2,100	$1.94	164d	1	0.84mi
6531 SE Federal Hwy Stuart, FL	2.0	2.0	1100	$1,725	$1.57	154d	2	0.84mi
4508 SE Salvatori Rd Stuart, FL	3.0	2.0	1217	$2,475	$2.03	107d	1	0.85mi
4489 SE Salvatori Rd Stuart, FL	2.0	2.0	1050	$2,100	$2.00	10d	1	0.86mi
4964 SE Mariner Garden Cir Stuart, FL	3.0	2.5	1530	$2,500	$1.63	10d	1	0.88mi
4964 SE Mariner Garden Cir Stuart, FL	3.0	2.5	1530	$2,500	$1.63	37d	1	0.88mi
4987 SE Mariner Garden Cir Stuart, FL	3.0	2.5	1434	$2,650	$1.85	164d	1	0.90mi
6008 SE Walkers Cay Ct Stuart, FL	3.0	2.0	1936	$3,000	$1.55	51d	1	0.91mi
5187 SE Mariner Garden Cir Stuart, FL	3.0	2.5	1554	$2,400	$1.54	10d	1	0.93mi
5187 SE Mariner Garden Cir Stuart, FL	3.0	2.5	1554	$2,400	$1.54	51d	1	0.93mi
5176 SE Mariner Garden Cir Stuart, FL	3.0	2.5	1554	$2,400	$1.54	164d	1	0.94mi
5024 SE Mariner Garden Cir Stuart, FL	3.0	3.0	1434	$2,400	$1.67	10d	1	0.94mi
3450 SE Martinique Trce #202 Stuart, FL	2.0	2.0	1506	$1,695	$1.13	10d	1	0.94mi
3450 SE Martinique Trce #103 Stuart, FL	2.0	2.0	1506	$4,500	$2.99	10d	1	0.94mi
5064 SE Mariner Garden Cir Stuart, FL	3.0	2.5	1530	$2,400	$1.57	10d	1	0.94mi
5156 SE Mariner Garden Cir Stuart, FL	3.0	2.5	1434	$2,400	$1.67	164d	1	0.95mi
5820 SE Windsong Ln Unit 209 Stuart, FL	2.0	2.5	1288	$2,200	$1.71	35d	1	0.97mi
3430 SE Martinique Trce #101 Stuart, FL	2.0	2.0	1683	$3,500	$2.08	19d	1	1.00mi
4939 SE Salvatori Rd Stuart, FL	3.0	2.0	1334	$2,500	$1.87	164d	1	1.01mi
6110 SE Martinique Dr #201 Stuart, FL	2.0	2.0	1506	$2,500	$1.66	10d	1	1.02mi
6110 SE Martinique Dr #201 Stuart, FL	2.0	2.0	1506	$2,500	$1.66	0d	1	1.02mi
6531 SE Federal Hwy Unit J202 Stuart, FL	2.0	2.0	1084	$1,700	$1.57	51d	1	1.02mi
5857 SE Windsong Ln Unit 806 Stuart, FL	3.0	3.0	1512	$2,300	$1.52	51d	1	1.02mi
5857 SE Windsong Ln Unit 806 Stuart, FL	3.0	3.0	1512	$2,300	$1.52	10d	1	1.02mi
8357 SE Double Tree Dr Hobe Sound, FL	2.0	2.0	1510	$2,750	$1.82	107d	1	1.03mi
6532 SE Broadmoor Ln Stuart, FL	3.0	2.0	1972	$3,300	$1.67	164d	1	1.05mi
6532 SE Broadmoor Ln Stuart, FL	3.0	2.0	1972	$3,300	$1.67	154d	1	1.05mi

Listing history 50 events

1. 2026-11-08
   days on market $169,000 Active 157 DOM
2. 2026-11-07
   days on market $169,000 Active 156 DOM
3. 2026-11-06
   days on market $169,000 Active 155 DOM
4. 2026-11-05
   days on market $169,000 Active 154 DOM
5. 2026-11-04
   days on market $169,000 Active 153 DOM
6. 2026-11-02
   days on market $169,000 Active 151 DOM
7. 2026-11-01
   days on market $169,000 Active 150 DOM
8. 2026-10-31
   days on market $169,000 Active 149 DOM
9. 2026-10-30
   days on market $169,000 Active 148 DOM
10. 2026-10-29
    days on market $169,000 Active 147 DOM
11. 2026-10-28
    days on market $169,000 Active 146 DOM
12. 2026-10-27
    days on market $169,000 Active 145 DOM
13. 2026-10-26
    days on market $169,000 Active 144 DOM
14. 2026-10-26
    days on market $169,000 Active 143 DOM
15. 2026-10-24
    days on market $169,000 Active 142 DOM
16. 2026-10-23
    days on market $169,000 Active 141 DOM
17. 2026-10-22
    days on market $169,000 Active 140 DOM
18. 2026-10-21
    days on market $169,000 Active 139 DOM
19. 2026-10-20
    days on market $169,000 Active 138 DOM
20. 2026-10-19
    days on market $169,000 Active 137 DOM
21. 2026-10-18
    days on market $169,000 Active 136 DOM
22. 2026-10-17
    days on market $169,000 Active 135 DOM
23. 2026-10-16
    days on market $169,000 Active 134 DOM
24. 2026-10-15
    days on market $169,000 Active 133 DOM
25. 2026-10-14
    days on market $169,000 Active 132 DOM
26. 2026-10-13
    days on market $169,000 Active 131 DOM
27. 2026-10-12
    days on market $169,000 Active 130 DOM
28. 2026-10-11
    days on market $169,000 Active 129 DOM
29. 2026-10-10
    days on market $169,000 Active 128 DOM
30. 2026-10-09
    days on market $169,000 Active 127 DOM
31. 2026-10-08
    days on market $169,000 Active 126 DOM
32. 2026-10-07
    days on market $169,000 Active 125 DOM
33. 2026-10-06
    days on market $169,000 Active 124 DOM
34. 2026-10-05
    days on market $169,000 Active 123 DOM
35. 2026-10-04
    days on market $169,000 Active 122 DOM
36. 2026-10-03
    days on market $169,000 Active 121 DOM
37. 2026-10-02
    days on market $169,000 Active 120 DOM
38. 2026-10-01
    days on market $169,000 Active 119 DOM
39. 2026-09-30
    days on market $169,000 Active 118 DOM
40. 2026-09-29
    days on market $169,000 Active 117 DOM
41. 2026-09-27
    days on market $169,000 Active 115 DOM
42. 2026-09-25
    days on market $169,000 Active 113 DOM
43. 2026-09-24
    days on market $169,000 Active 112 DOM
44. 2026-09-23
    days on market $169,000 Active 111 DOM
45. 2026-09-22
    days on market $169,000 Active 110 DOM
46. 2026-09-21
    days on market $169,000 Active 109 DOM
47. 2026-09-20
    days on market $169,000 Active 108 DOM
48. 2026-09-19
    days on market $169,000 Active 107 DOM
49. 2026-09-18
    days on market $169,000 Active 106 DOM
50. 2026-09-17
    days on market $169,000 Active 105 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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 · 23 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: $31,102
• − Mortgage interest: −$9,467
• − Property taxes: −$2,535
• − Insurance: −$845
• − Repairs & maintenance: −$2,488
• − Management: −$2,488
• − Depreciation: −$4,916
• Taxable income: $8,363
• Est. tax owed @ 24.0%: −$2,007
• After-tax cash flow: $8,549/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 · 13 photos

Good 75/100 Cosmetic rehab Est. rehab $7,840–$23,520 screening

This well-maintained single-family home is ready for a fresh coat of paint and some landscaping to enhance its curb appeal and value.

Value-add opportunities

• Both Painting the exterior siding — Enhances curb appeal and value ↑
• Both Landscaping the front yard — Improves curb appeal and rental value ↑
• Resale Updating the kitchen backsplash — Modernizes the kitchen and adds value ↑
• Resale Upgrading the bathroom fixtures — Enhances the bathroom's appearance and value ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 44/100

Zoned Schools

Elementary Sea Wind Elementary School F FL #1,288/2,144 Nat'l #16,061/41,679 Middle Murray Middle School D FL #327/571 Nat'l #4,963/14,009 High South Fork High School F FL #275/667 Nat'l #7,572/17,239

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

A Composite livability gradescore 84/100

Livability — Stuart

• Score: 84/100
• State rank: #39
• US rank: #790

Category grades

Amenities D Commute A+ Cost of living A- Crime C- Employment C- Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Martin County · 172,383 people
• City population: 65,812
• Metro: Port St. Lucie, FL
• Population (ZIP): 47,075
• Household income: $78,136
• Rent vs Own: 19.1% rent · 80.9% own
• Severe rent burden: 7% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 19% Two or more races 9% Black 3% Asian 1%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2% Cuban 3%
• Languages at home: 81% English-only · Spanish 14% French/Haitian/Cajun 2% Other Indo-European 1%

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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: ▼ -319.78%
• Current HPI: 336.7717
• Rent YoY: ▲ 2.71%
• Metro: Port St. Lucie, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

1 event — show timeline

• 2026-06-04 Listed $169,000 ForSaleByOwner.com