719 Lucky St · Titusville, FL 32780

$144,900

2 bd · 1.0 ba · 720 sqft · SingleFamily public records · 20 Days on market

Built 1965 4,792 sqft lot

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Why this score? — see what drove the C- 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 +18.9/30.0
• ARV discount +7.5/15.0
• DSCR +5.9/10.0
• Schools +4.7/10.0
• 1% rule +4.3/10.0
• Livability +4.2/5.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

NICE INVESTMENT OR 1ST TIME HOME BUYER HOME. HOME HAS NEW TILE, AND CARPET, NEW WINDOWS, WILL HAVE CH & A, NEWER HOT WATER HEATER. NEW INTERIOR DOORS. CENTRALLY LOCATED

Key facts

• Spacious yard
• Renovated home
• Natural light

Tags

• RENOVATED HOME
• MODERN KITCHEN
• SPACIOUS YARD
• NATURAL LIGHT
• EASY ACCESS TO BEACHES
• CONVENIENTLY LOCATED

Property features AI

Finance

• Other: Property type: Residential, single family; Zoning: R1C; Lot size approximately 0.11 acre (45 x 100); Total rooms: 3; Unfurnished
• HOA & community: No association fees

Exterior

• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected
• Home design: Single-family home; One story; Northwest facing; Entry level: One
• Construction: Block and concrete construction; Shingle roof; Slab foundation; Built area about 906 sq ft
• Exterior features: Screened porch; Storage; Vinyl fencing; Paved road access

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Heat pump; Mini-split cooling unit(s)
• Interior features: Ceiling fans
• Laundry & utility: Outdoor laundry area

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $148 ($2k/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 $135k (6.9% below list).
• Recommended offer: $135k (6.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 84/100 on livability (#42 in FL, #668 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: schools C-, crime D, employment D.
• Brevard (suburban): math 53% / reading 57% proficiency, ranked #19 of 73 in FL (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+1.3%/yr); 462 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 4,602 units permitted in Brevard County in 2024 (702 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Brevard County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($143k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 10y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $134,942 (6.9% below list)

Questions for the listing agent

1. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
4. 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.
5. 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.
6. 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: 0.93% ✗
• Cap rate: 7.51%
• Cash-on-cash: 4.36%
• DSCR: 1.19
• GRM: 8.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.29% rent growth · sell at horizon

5-year hold

• IRR: -11.3%
• Equity multiple: 0.60×
• Total profit: $-16,397
• Equity at exit: $21,605

10-year hold

• IRR: -4.6%
• Equity multiple: 0.72×
• Total profit: $-11,355
• Equity at exit: $12,528

Cash invested: $40,572 (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 32780

• Rents YoY: 1.3%
• Active inventory: 462
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,349 high
• Mortgage (P&I): −$760
• Tax from tax record: −$98 /mo · $1,179/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$283
• Net cashflow: $148

Break-even live

Break-even rent $1,163

Max offer price $144,900

Occupancy floor 84%

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: $36,225
• Closing costs: $4,347
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1516 Roger Dr Unit 2 Titusville, FL	1.0	1.0	550	$1,600	$2.91	23d	1	0.39mi
1111 Kennedy Ct Titusville, FL	2.0	1.0	550	$1,275	$2.32	23d	1	0.45mi
1710 S Washington Ave Unit 1 Titusville, FL	2.0	1.0	710	$1,250	$1.76	23d	1	0.61mi
1710 S Washington Ave #16 Titusville, FL	2.0	1.0	710	$1,100	$1.55	23d	1	0.61mi
320 Dummitt Ave Unit B Titusville, FL	1.0	1.0	400	$835	$2.09	14d	1	0.76mi
1800 South St Titusville, FL	1.0	1.0	657	$900	$1.37	23d	1	0.83mi
500 Rockpit Rd Titusville, FL	2.0	1.0	700	$1,050	$1.50	23d	1	0.92mi
1600 Garden St Titusville, FL	1.0	1.0	509	$1,010	$1.98	14d	2	1.27mi
3142 Sir Hamilton Cir Titusville, FL	1.0	1.0	736	$1,250	$1.70	23d	1	1.33mi
2825 S Washington Ave Titusville, FL	2.0	1.0	613	$2,050	$3.34	14d	31	1.40mi
2825 S Washington Ave Titusville, FL	2.0	1.0	613	$2,050	$3.34	13d	31	1.40mi

Listing history 16 events

1. 2026-06-18
   days on market $144,900 Active 20 DOM
2. 2026-06-17
   days on market $144,900 Active 19 DOM
3. 2026-06-16
   days on market $144,900 Active 18 DOM
4. 2026-06-15
   days on market $144,900 Active 17 DOM
5. 2026-06-14
   days on market $144,900 Active 15 DOM
6. 2026-06-10
   days on market $144,900 Active 12 DOM
7. 2026-06-08
   days on market $144,900 Active 10 DOM
8. 2026-06-07
   days on market $144,900 Active 9 DOM
9. 2026-06-05
   days on market $144,900 Active 6 DOM
10. 2026-06-03
    days on market $144,900 Active 5 DOM
11. 2026-06-02
    days on market $144,900 Active 4 DOM
12. 2026-06-01
    days on market $144,900 Active 3 DOM
13. 2026-05-31
    days on market $144,900 Active 2 DOM
14. 2026-05-29
    listed $144,900 Active
15. 2016-08-16
    historical 174-char remark

    Show marketing remark (174 chars)

    NICE INVESTMENT OR 1ST TIME HOME BUYER HOME. HOME HAS NEW TILE, AND CARPET, NEW WINDOWS, WILL HAVE CH & A, NEWER HOT WATER HEATER. NEW INTERIOR DOORS. CENTRALLY LOCATED

16. 2016-02-04
    listed $37,500 174-char remark

    Show marketing remark (174 chars)

    NICE INVESTMENT OR 1ST TIME HOME BUYER HOME. HOME HAS NEW TILE, AND CARPET, NEW WINDOWS, WILL HAVE CH & A, NEWER HOT WATER HEATER. NEW INTERIOR DOORS. CENTRALLY LOCATED

ⓘ 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: $1,179 · $98/mo
• Projected year-2 tax: $1,203 · $100/mo
• Expected delta: +$23/yr (+$2/mo · 2.0%)

ⓘ 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) · 9% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 22 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: $16,193
• − Mortgage interest: −$8,117
• − Property taxes: −$1,179
• − Insurance: −$724
• − Repairs & maintenance: −$1,295
• − Management: −$1,295
• − Depreciation: −$4,215
• Taxable loss: −$633
• Est. tax savings @ 24.0%: +$152
• After-tax cash flow: $1,922/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: Brevard
• NCES district ID: 1200150
• Math proficiency: 53% ▼ -9.00%
• Reading proficiency: 57% ▼ -4.00%
• Median HH income: $49,426
• Composite: 46.86/100
• National rank: #2370
• State rank: #19 of 73 in FL

Livability — Titusville

• Score: 84/100
• State rank: #42
• US rank: #668

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Titusville, FL
• County: Brevard County · 602,871 people
• City population: 60,286
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 40,064
• Household income: $67,690
• Rent vs Own: 28.2% rent · 71.8% own
• Severe rent burden: 1141.0

Population outlook (Brevard County) Hauer SSP2

• Today (2025): 623,254 people
• By 2030: 648,420 · +4.0%
• By 2040: 690,009 · +10.7%
• By 2050: 715,669 · +14.8%
• By 2075: 775,744 · +24.5%
• By 2100: 776,687 · +24.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Black 13% Hispanic / Latino 8% Two or more races 8% Asian 3%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4% Cuban 1%
• Common ancestry: Romanian 2% Slovak 2% Lithuanian 2%
• Foreign-born: 8% · Canada, China
• Languages at home: 89% English-only · Spanish 6% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Brevard

• 2024 margin: Strong R (+20.8) · D 39.1% · R 59.9% · Other 1.0%
• 2008→2024 swing: -10.4pp toward R · 2008: -10.4pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+16.4 2016: R+19.8 2012: R+12.7 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -162.54%
• Current HPI: 297.151
• Rent YoY: ▲ 1.29%
• Metro: Palm Bay-Melbourne-Titusville, 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

+286.4% since first listed

3 events — show timeline

• 2026-05-29 Listed $144,900 Stellar MLS as Distributed by MLS Grid
• 2016-08-16 Listing Removed — SCMLS
• 2016-02-04 Listed $37,500 SCMLS

Property tax history

+7.7%/yr

Latest (2025): $1,179 · +3.8% YoY. Source: county tax records.