1101 SW Jumper St · Port St. Lucie, FL 34983

$285,000

2 bd · 2.0 ba · 1,026 sqft · SingleFamily public records · 105 Days on market

Built 1983 0.26 ac lot Est $300k · at est.

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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).

• Cash flow +14.4/30.0
• ARV discount +9.7/15.0
• DSCR +4.4/10.0
• Schools +3.7/10.0
• 1% rule +2.9/10.0
• Rent growth +2.9/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Great opportunity for a rehabber. Great structure, good bones, needs updating. Roof needs to be replaced, kitchen and bathrooms also need updating. OWNER OCCUPIED, NO TRESPASSING. Offers must be submitted with POF.

Key facts

• 0.26 acre lot
• 2 garage spots
• Pool

Property features AI

Exterior

• Parking: Attached 2-car garage; Driveway; Garage door opener
• Utilities: Public water; Public sewer
• Home design: Single-story; Faces southwest; Block construction; Shingle roof; Effective year built
• Construction: Block construction; Shingle roof; Built (effective year)
• Exterior features: Fenced yard; Patio; Shed(s); In-ground pool

Interior

• Kitchen: Dishwasher; Electric range; Refrigerator
• Flooring: Laminate flooring; Tile flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: First-floor entry; Bedroom on main level; Family room
• Laundry & utility: Washer hookup; Dryer hookup; Laundry area in garage

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $285k.

Deal economics

• At list price, monthly cash flow is $59 ($712/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $226k (20.8% below list).
• Recommended offer: $226k (20.8% below list) — sets the bar for 1% rule.
• Cap rate 6.5% 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 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.
• Market conditions: Rents rising (+1.5%/yr); 359 active listings in the ZIP; 29 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 36% of the median local income ($75k/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 $9k 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 105 days — a 9% lower offer ($259k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 24y ago; this cycle's ask is 14% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $113k; list at $285k implies a 152% 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 $225,641 (20.8% below list)

Questions for the listing agent

1. It's been on market 105 days. Have you received any prior offers? Is the seller open to a 21% 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. 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?
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: 0.79% ✗
• Cap rate: 6.54%
• Cash-on-cash: 0.89%
• DSCR: 1.04
• GRM: 10.5

CMA / ARV

• ARV (on-the-fly): $299,592
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
802 SW Curry St	0.33mi	2/2.0	1,040 (+1%)	5mo	$200,000	$192	79
874 SW Goodrich St	0.21mi	2/2.0	942 (-8%)	3mo	$310,000	$329	74
821 SE Solaz Ave	0.35mi	3/2.0 (+1)	1,136 (+11%)	5mo	$275,000	$242	57
140 SE Duxbury Ave	0.28mi	2/2.0	888 (-14%)	11mo	$280,000	$315	56
1202 SW Granadeer St	0.72mi	3/2.0 (+1)	992 (-3%)	3mo	$290,000	$292	54
175 SE El Sito Ct	0.65mi	2/1.0	1,082 (+6%)	5mo	$185,800	$172	53
131 SE Lucero Dr	0.59mi	2/2.0	1,145 (+12%)	2mo	$290,000	$253	51
749 SW Broadview St	0.48mi	2/2.0	894 (-13%)	7mo	$282,000	$315	50
1250 SW Byron St	0.40mi	2/2.0	1,156 (+13%)	12mo	$288,000	$249	50
216 SE Fallon Dr	0.50mi	2/2.0	1,152 (+12%)	9mo	$339,000	$294	49
775 SW Goodrich St	0.36mi	3/2.0 (+1)	1,166 (+14%)	9mo	$352,000	$302	48
310 SE Calmoso Dr	0.62mi	2/2.0	894 (-13%)	3mo	$200,000	$224	47

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 · 1.53% rent growth · sell at horizon

5-year hold

• IRR: -16.4%
• Equity multiple: 0.43×
• Total profit: $-45,812
• Equity at exit: $42,494

10-year hold

• IRR: -10.7%
• Equity multiple: 0.39×
• Total profit: $-48,611
• Equity at exit: $24,642

Cash invested: $79,800 (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 34983

• Home prices YoY: -33.9%
• Rents YoY: 1.5%
• Active inventory: 359
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $2,256 high
• Mortgage (P&I): −$1,495
• Tax from tax record: −$110 /mo · $1,319/yr
• Insurance: −$119
• HOA: −$0
• Vacancy / Maint / Mgmt: −$474
• Net cashflow: $59

Break-even live

Break-even rent $2,181

Max offer price $285,000

Occupancy floor 92%

Sensitivity live

Price	-10% $221	-5% $140	+0% $59	+5% $-21	+10% $-102
Rent	-10% $-119	-5% $-30	+0% $59	+5% $148	+10% $238
Rate	-1.0pp $203	-0.5pp $132	base $59	+0.5pp $-15	+1.0pp $-90

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: $71,250
• Closing costs: $8,550
• Reserves months: —
• Total cash needed: —

Rent comps 29 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
121 SE Juper Ave Port Saint Lucie, FL	2.0	2.0	1450	$2,500	$1.72	24d	1	0.26mi
738 SW Ravenswood Ln Port St Lucie, FL	2.0	2.0	894	$2,100	$2.35	22d	1	0.29mi
642 SW Bolin Ct Port Saint Lucie, FL	3.0	2.0	1166	$2,150	$1.84	22d	1	0.32mi
1189 SW Broadview St Port Saint Lucie, FL	2.0	2.0	988	$2,200	$2.23	15d	1	0.48mi
456 SW Prado Ave Port Saint Lucie, FL	3.0	2.0	1376	$2,100	$1.53	15d	1	0.57mi
151 SE Castana Ct Port Saint Lucie, FL	3.0	2.0	1382	$2,500	$1.81	24d	1	0.60mi
107 SE Lucero Dr Port Saint Lucie, FL	3.0	2.0	1326	$2,150	$1.62	22d	1	0.61mi
491 SW Curtis St Port Saint Lucie, FL	1.0	1.0	750	$1,800	$2.40	24d	1	0.61mi
173 SE Fallon Dr Port Saint Lucie, FL	3.0	2.0	1281	$2,400	$1.87	15d	1	0.63mi
326 SW Ray Ave Port Saint Lucie, FL	3.0	2.0	1350	$2,400	$1.78	24d	1	0.67mi
326 SW Ray Ave Port Saint Lucie, FL	3.0	2.0	1350	$2,350	$1.74	22d	1	0.67mi
554 SW Lakehurst Dr Port Saint Lucie, FL	3.0	2.0	1054	$2,100	$1.99	15d	1	0.73mi
116 Prima Vista Blvd Unit A Port St. Lucie, FL	3.0	1.0	1314	$2,600	$1.98	24d	1	0.75mi
1382 SE Sandia Dr Port Saint Lucie, FL	2.0	1.0	945	$1,000	$1.06	24d	1	0.79mi
351 SW Buswell Ave Port Saint Lucie, FL	2.0	2.0	1234	$2,200	$1.78	15d	1	0.81mi
385 SW Fairway Ave Port Saint Lucie, FL	3.0	2.0	1440	$2,800	$1.94	24d	1	0.83mi
213 NE Prima Vista Blvd Port Saint Lucie, FL	2.0	1.0	1012	$2,000	$1.98	24d	1	0.93mi
507 NW Billiar Ave Port St Lucie, FL	3.0	2.0	1249	$2,350	$1.88	22d	1	1.02mi
434 SW Whitmore Dr Port Saint Lucie, FL	1.0	1.0	750	$2,150	$2.87	24d	1	1.09mi
336 SE Tranquilla Ave Port Saint Lucie, FL	3.0	3.0	1412	$2,700	$1.91	15d	1	1.13mi
160 NE Bracken Rd Port Saint Lucie, FL	3.0	2.0	1166	$2,200	$1.89	22d	1	1.13mi
160 NE Bracken Rd Port Saint Lucie, FL	3.0	2.0	1166	$2,200	$1.89	24d	1	1.13mi
201 NE Midfield Ln Port Saint Lucie, FL	2.0	2.0	1389	$2,500	$1.80	24d	1	1.21mi
650 SE Evergreen Ter Port Saint Lucie, FL	2.0	2.0	974	$2,095	$2.15	15d	1	1.27mi
385 NW Broadview St Port Saint Lucie, FL	2.0	2.0	1500	$2,300	$1.53	24d	1	1.31mi
205 SW Voltair Ter Port Saint Lucie, FL	2.0	2.0	925	$2,095	$2.26	22d	1	1.31mi
730 SE White Ave Port Saint Lucie, FL	2.0	2.0	1386	$10,000	$7.22	24d	1	1.40mi
325 NW Ferris Dr Port Saint Lucie, FL	2.0	2.0	1100	$1,900	$1.73	15d	1	1.41mi
1881 SE Airoso Blvd Port Saint Lucie, FL	3.0	2.0	1384	$2,200	$1.59	24d	1	1.48mi

Listing history 22 events

1. 2026-06-08
   days on market $285,000 Active 105 DOM
2. 2026-06-07
   days on market $285,000 Active 104 DOM
3. 2026-06-05
   days on market $285,000 Active 101 DOM
4. 2026-06-03
   days on market $285,000 Active 100 DOM
5. 2026-06-02
   days on market $285,000 Active 99 DOM
6. 2026-06-01
   days on market $285,000 Active 98 DOM
7. 2026-05-31
   days on market $285,000 Active 97 DOM
8. 2026-05-30
   days on market $285,000 Active 96 DOM
9. 2026-05-08
   price $285,000
10. 2026-04-23
    status Active
11. 2026-03-03
    historical Active Under Contract
12. 2026-02-18
    listed $250,000 Active
13. 2026-02-05
    historical Active Under Contract
14. 2026-02-05
    historical
15. 2026-01-16
    price $250,000
16. 2025-12-05
    price $310,000
17. 2025-11-28
    listed $305,000 Active
18. 2015-10-09
    historical
19. 2005-06-09
    historical
20. 2005-03-30
    listed $224,900
21. 2003-03-11
    soldstatus $113,000
22. 2002-12-17
    listed $114,900

ⓘ 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: $1,319 · $110/mo
• Projected year-2 tax: $2,366 · $197/mo
• Expected delta: +$1,046/yr (+$87/mo · 79.3%)

ⓘ 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: $27,077
• − Mortgage interest: −$15,964
• − Property taxes: −$1,319
• − Insurance: −$1,425
• − Repairs & maintenance: −$2,166
• − Management: −$2,166
• − Depreciation: −$8,291
• Taxable loss: −$4,255
• Est. tax savings @ 24.0%: +$1,021
• After-tax cash flow: $1,733/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): 49,001
• Household income: $75,489
• Rent vs Own: 15.2% rent · 84.8% own
• Severe rent burden: 843.0

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 0.65)
• Race & ethnicity: White 51% Hispanic / Latino 23% Black 18% Two or more races 13% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 9% Cuban 3%
• Common ancestry: Hispanic 3% Romanian 2% Italian 1%
• Foreign-born: 19% · Canada, Guatemala, Jamaica
• Languages at home: 74% English-only · Spanish 15% French/Haitian/Cajun 4% Other Indo-European 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: ▼ -209.28%
• Current HPI: 407.6341
• Rent YoY: ▲ 1.53%
• 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

+148.0% since first listed

14 events — show timeline

• 2026-05-08 Price Changed $285,000 MARMLS
• 2026-04-23 Relisted — MARMLS
• 2026-03-03 Contingent — MARMLS
• 2026-02-18 Listed $250,000 MARMLS
• 2026-02-05 Contingent — Beaches MLS
• 2026-02-05 Listing Removed — Beaches MLS
• 2026-01-16 Price Changed $250,000 Beaches MLS
• 2025-12-05 Price Changed $310,000 Beaches MLS
• 2025-11-28 Listed $305,000 Beaches MLS
• 2015-10-09 Listing Removed — Beaches MLS
• 2005-06-09 Listing Removed — Beaches MLS
• 2005-03-30 Listed $224,900 Beaches MLS
• 2003-03-11 Sold (Public Records) $113,000 Public Records
• 2002-12-17 Listed $114,900 Beaches MLS

Property tax history

+0.3%/yr

Latest (2025): $1,319 · +3.0% YoY. Source: county tax records.