1127 E Seminole Ave Unit 15b · Jupiter, FL 33477

$499,000

2 bd · 2.0 ba · 1,324 sqft · SingleFamily public records · 5 Days on market

Built 1981 1,995 sqft lot $794/mo HOA · 21% of rent

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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).

• ARV discount +7.5/15.0
• Appreciation +6.5/10.0
• Cash flow +6.3/30.0
• Rent growth +5.0/5.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• 1% rule +2.5/10.0
• Condition / age +2.5/5.0
• DSCR +0.6/10.0

Listing remarks

Come see this 2 bedroom, 2 bathroom villa (not condo) within WALKING distance to beautiful beaches, 6 new pickleball courts, and Jupiter's most popular restaurant, Food Shack. Roof replaced in 2018. Desirable split floorplan and walk-in closets in each bedroom. Enjoy outdoor living in the oversized screened in lanai and the backyard is fully fenced. Bella Vista consists of 136 Villas and is a pet friendly community - allowing 2 pets and maximum weight of 30 lbs per pet. Great investment opportunity - can rent right after purchasing - minimum of 30 days and 2 rentals per year. Best location in Jupiter!

Key facts

• 1,995 sq ft lot
• 2 parking spots
• Community pool

Property features AI

Finance

• Other: Pets allowed (with number and size limits)
• HOA & community: Community of 136 units; Monthly association fee of $794; Community pool; HOA fee covers cable TV, insurance, grounds maintenance, pest control, common areas, and pool service

Exterior

• Parking: Assigned parking (2 spaces total); No carport
• Utilities: Public water; Public sewer; Cable connected; Electricity connected; Water connected; Sewer connected
• Home design: Villa; Single-story; Facing northwest; Resale condition
• Construction: Block / Concrete / CBS construction; Concrete and tile roof; Built as a one-story structure
• Exterior features: Not on waterfront

Interior

• Kitchen: Dishwasher; Disposal; Electric range; Microwave; Refrigerator; Freezer; Electric water heater (owned)
• Bedrooms: 2 bedrooms on main level
• Flooring: Tile
• Bathrooms: 2 full bathrooms (main level)
• Heating & cooling: Central individual heating; Central individual cooling; Ceiling fans
• Interior features: Entrance foyer; Vaulted ceilings; Walk-in closets; Split bedroom layout
• Laundry & utility: In-unit laundry room

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $499k.

Deal economics

• At list price, monthly cash flow is $-882 ($-11k/yr) — negative.
• To cash-flow at today's rent, offer at most $343k (31.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $374k (25.1% below list).
• Recommended offer: $343k (31.2% below list) — sets the bar for cash-flow.
• Cap rate 4.2% vs local median 2.7% in Jupiter — 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 70/100 on livability (#415 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, housing A+; Watch: amenities F, commute F, cost of living F.
• Palm Beach (suburban): math 46% / reading 53% proficiency, ranked #34 of 73 in FL (top 47%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Beacon Cove Intermediate School (math 84% / reading 86%, grade A+, #35 of 2,144 statewide, top 2%, 641 students, 19% FRL); Jupiter Middle School (math 62% / reading 63%, grade B+, #116 of 571 statewide, top 21%, 1,384 students, 38% FRL); Jupiter High School (math 56% / reading 64%, grade C+, #106 of 667 statewide, top 16%, 3,087 students, 28% FRL) — zoned schools average 28% FRL vs 52% district-wide (23 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 69% at this address vs 50% district-wide (+20 pts) — the actual schools serving this property are materially stronger than the Palm Beach average implies; a family-tenant draw the district grade alone would hide.
• Market conditions: Rents rising fast (+10.3%/yr); 338 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,974 units permitted in Palm Beach County in 2024 (1,012 in 5+ unit buildings).

Forward outlook

• In year one you build about $18k of equity ($3k loan paydown + $15k appreciation (2.9% local appreciation)).
• Palm Beach County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 3, paydown + projected appreciation supports a ~$45k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $250k; list at $499k implies a 100% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 21% of rent.
• 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 $343,161 (31.2% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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: 0.75% ✗
• Cap rate: 4.17%
• Cash-on-cash: -7.58%
• DSCR: 0.66
• GRM: 11.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

2.93% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 2.7%
• Equity multiple: 1.16×
• Total profit: $22,069
• Equity at exit: $222,361

10-year hold

• IRR: 8.6%
• Equity multiple: 2.41×
• Total profit: $196,904
• Equity at exit: $341,130

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

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33477

• Home prices YoY: 0.8%
• Rents YoY: 10.3%
• Active inventory: 338
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $3,735 high
• Mortgage (P&I): −$2,617
• Tax from tax record: −$214 /mo · $2,573/yr
• Insurance: −$208
• HOA: −$794
• Vacancy / Maint / Mgmt: −$784
• Net cashflow: $-882

Break-even live

Break-even rent $4,852

Max offer price $343,161

Occupancy floor —

Sensitivity live

Price	-10% $-600	-5% $-741	+0% $-882	+5% $-1,023	+10% $-1,165
Rent	-10% $-1,177	-5% $-1,030	+0% $-882	+5% $-735	+10% $-587
Rate	-1.0pp $-631	-0.5pp $-755	base $-882	+0.5pp $-1,011	+1.0pp $-1,143

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: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1127 E Seminole Ave Unit 13D Jupiter, FL	2.0	2.0	1540	$7,500	$4.87	26d	1	0.04mi
1127 E Seminole Ave Unit 8A Jupiter, FL	2.0	2.0	1324	$3,900	$2.95	26d	1	0.04mi
717 S US Highway 1 #408 Jupiter, FL	3.0	2.0	1315	$5,000	$3.80	1d	1	0.09mi
717 S US Highway 1 #211 Jupiter, FL	2.0	2.0	1000	$5,400	$5.40	26d	1	0.09mi
717 S US Highway 1 #712 Jupiter, FL	2.0	2.0	1000	$2,600	$2.60	20d	1	0.09mi
717 S US Highway 1 #505 Jupiter, FL	2.0	2.0	1000	$2,500	$2.50	23d	1	0.09mi
717 S US Highway 1 #118 Jupiter, FL	2.0	2.0	1000	$5,500	$5.50	26d	1	0.09mi
717 S US Highway 1 #1016 Jupiter, FL	2.0	2.0	1274	$2,800	$2.20	26d	1	0.09mi
717 S US Highway 1 #505 Jupiter, FL	2.0	2.0	1000	$2,500	$2.50	17d	1	0.09mi
717 S US Highway 1 #608 Jupiter, FL	3.0	2.0	1315	$5,800	$4.41	26d	1	0.09mi
717 S US Highway 1 #408 Jupiter, FL	3.0	2.0	1315	$5,200	$3.95	26d	1	0.09mi
717 S US Highway 1 #1016 Jupiter, FL	2.0	2.5	1274	$3,200	$2.51	12d	1	0.09mi
353 S US Highway 1 Unit C301 Jupiter, FL	2.0	2.5	1347	$2,950	$2.19	0d	1	0.10mi
353 S US Highway 1 Unit F306 Jupiter, FL	2.0	2.5	1347	$2,400	$1.78	26d	1	0.10mi
353 S US Highway 1 Unit A8 Jupiter, FL	2.0	2.0	925	$2,350	$2.54	7d	1	0.10mi
353 S US Highway 1 Unit A207 Jupiter, FL	2.0	2.0	1056	$2,700	$2.56	16d	1	0.10mi
353 S US Highway 1 Unit C202 Jupiter, FL	2.0	2.0	1056	$8,000	$7.58	26d	1	0.10mi
353 S US Highway 1 Unit B8 Jupiter, FL	2.0	2.0	925	$2,400	$2.59	26d	1	0.10mi
353 S US Highway 1 Unit A107 Jupiter, FL	2.0	2.0	1056	$2,450	$2.32	26d	1	0.10mi
353 S US Highway 1 Unit A407 Jupiter, FL	2.0	2.0	1056	$7,500	$7.10	26d	1	0.10mi
353 S US Highway 1 Unit A105 Jupiter, FL	2.0	2.5	1347	$2,500	$1.86	26d	1	0.10mi
353 US-1 Jupiter, FL	2.0	2.0	1000	$2,600	$2.60	26d	1	0.21mi
288 Seabreeze Cir Jupiter, FL	2.0	2.5	1250	$4,100	$3.28	26d	1	0.24mi
860 Bella Vista Ct S #60 Jupiter, FL	3.0	2.5	1640	$2,500	$1.52	22d	1	0.24mi
360 Bella Vista Ct N #60 Jupiter, FL	3.0	3.0	1640	$10,000	$6.10	26d	1	0.25mi
820 Bella Vista Ct S #20 Jupiter, FL	2.0	2.0	1138	$3,200	$2.81	26d	1	0.25mi
270 Bella Vista Ct N #70 Jupiter, FL	3.0	3.0	1640	$7,500	$4.57	26d	1	0.25mi
470 Bella Vista Ct N Jupiter, FL	3.0	2.5	1640	$2,900	$1.77	22d	1	0.25mi
131 Ocean Cove Dr Jupiter, FL	2.0	2.5	1288	$6,000	$4.66	26d	1	0.26mi
121 Ocean Cove Dr #121 Jupiter, FL	2.0	2.5	1288	$3,200	$2.48	26d	1	0.27mi
275 Palm Ave Jupiter, FL	1.0–2.0	1.5–2.0	1075	$5,800	$5.40	4d	6	0.30mi
275 Palm Ave Jupiter, FL	1.0–2.0	1.5–2.0	1075	$5,800	$5.40	9d	6	0.30mi
275 Palm Ave Jupiter, FL	1.0–2.0	1.5–2.0	1075	$5,800	$5.40	7d	6	0.30mi
260 Seabreeze Cir Jupiter, FL	2.0	2.5	1250	$3,000	$2.40	16d	1	0.31mi
1044 S Us Hwy 1 Jupiter, FL	2.0–3.0	2.0	1241	$3,305	$2.66	5d	5	0.32mi
213 Seabreeze Cir Jupiter, FL	3.0	2.5	1620	$2,900	$1.79	12d	1	0.35mi
237 Seabreeze Cir Jupiter, FL	2.0	2.5	1250	$5,600	$4.48	26d	1	0.35mi
214 Seabreeze Cir Jupiter, FL	3.0	2.5	1620	$4,650	$2.87	26d	1	0.35mi
234 Seabreeze Cir Jupiter, FL	2.0	2.5	1250	$2,750	$2.20	26d	1	0.36mi
131 Palm Ave #36 Jupiter, FL	2.0	2.0	1321	$3,700	$2.80	26d	1	0.36mi

HOA detail

• Monthly dues: $794 · $9,528/yr

Listing history 4 events

1. 2026-06-21
   days on market $499,000 Active 5 DOM
2. 2026-06-18
   days on market $499,000 Active 2 DOM
3. 2026-06-16
   remarks 608-char remark
4. 2026-06-16
   listed $499,000 Active 1 DOM

ⓘ 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: $2,573 · $214/mo
• Projected year-2 tax: $4,142 · $345/mo
• Expected delta: +$1,569/yr (+$131/mo · 61.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 4/10 Moderate FEMA zone X (unshaded) · 20% 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 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $44,825
• − Mortgage interest: −$27,952
• − Property taxes: −$2,573
• − Insurance: −$2,495
• − Repairs & maintenance: −$3,586
• − Management: −$3,586
• − HOA: −$9,528
• − Depreciation: −$14,516
• Taxable loss: −$19,411
• Est. tax savings @ 24.0%: +$4,659
• After-tax cash flow: $-5,927/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: Palm Beach
• NCES district ID: 1201500
• Math proficiency: 46% ▼ -16.00%
• Reading proficiency: 53% ▼ -4.00%
• Median HH income: $53,943
• Composite: 42.72/100
• National rank: #3160
• State rank: #34 of 73 in FL

Livability — Jupiter

• Score: 70/100
• State rank: #415
• US rank: #7386

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jupiter, FL
• County: Palm Beach County · 1,438,312 people
• City population: 68,420
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 12,908
• Household income: $104,992
• Rent vs Own: 13.7% rent · 86.3% own
• Severe rent burden: 445.0

Population outlook (Palm Beach County) Hauer SSP2

• Today (2025): 1,637,487 people
• By 2030: 1,743,255 · +6.5%
• By 2040: 1,948,712 · +19.0%
• By 2050: 2,132,979 · +30.3%
• By 2075: 2,530,027 · +54.5%
• By 2100: 2,706,979 · +65.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Hispanic / Latino 5% Two or more races 4%
• Common ancestry: Romanian 6% Scotch-Irish 4% Lithuanian 2%
• Foreign-born: 10% · Canada, Guatemala, Jamaica
• Languages at home: 90% English-only · Spanish 5% Other Indo-European 2% German/W. Germanic 1%

Political lean MEDSL · Palm Beach

• 2024 margin: Toss-up / Even · D 50.0% · R 49.2%
• 2008→2024 swing: -22.1pp toward R · 2008: 22.9pp · 2024: 0.8pp
• All cycles: 2024: D+0.8 2020: D+12.8 2016: D+15.3 2012: D+17.0 2008: D+22.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.93%
• Current HPI: 356.212
• Rent YoY: ▲ 10.27%
• Metro: Miami-Fort Lauderdale-Pompano Beach, 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

+343.6% since first listed

4 events — show timeline

• 2026-06-16 Listed $499,000 Beaches MLS
• 2004-04-23 Sold (Public Records) $250,000 Public Records
• 1998-05-19 Sold (Public Records) $123,500 Public Records
• 1994-06-23 Sold (Public Records) $112,500 Public Records

Property tax history

-0.8%/yr

Latest (2025): $2,573 · +3.6% YoY. Source: county tax records.