507 Sonoma Isles Cir · Jupiter, FL 33478

$1,900,000

4 bd · 4.5 ba · 3,856 sqft · SingleFamily public records · 78 Days on market

Built 2016 0.33 ac lot $595/mo HOA · 3% of rent

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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 +25.2/30.0
• DSCR +8.3/10.0
• ARV discount +7.5/15.0
• 1% rule +6.9/10.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Don't miss this immaculate & meticulously maintained waterfront home on an ultra premium rare corner lot with panoramic lake views. Enter through the custom upgraded front doors into this elegant contemporary home boasting a sprawling wide open floor plan & soaring ceilings. The chef's kitchen features gorgeous gray cabinetry, walk-in pantry, stainless steel appliances, gas stove top, double ovens, and a massive kitchen island. Views of the soon to be built luxurious saltwater pool, spa and beautiful lake can be seen from every vantage point of the main living areas. Hurricane impact windows & doors, NEMA 14-50 outlet in your garage to charge your electric vehicle, & a water cooled whole-house generator that was just installed Oct 2021 to keep you fully powered. The inviting home shows its

Key facts

• 0.33 acre lot
• 3 garage spots
• Pool

Property features AI

Finance

• Other: Private in-ground pool with child gate
• HOA & community: Part of Sonoma Isles community; Monthly HOA with amenities including clubhouse and recreation facilities; HOA includes security and recreation facility

Exterior

• Parking: Attached 3-car garage; Three covered/open parking spaces
• Security: Smoke detectors; Gated community (no guard)
• Utilities: Public water; Public sewer; Three-phase electric service; Cable and natural gas available
• Home design: Single-family residence; Multi/split levels (2 stories); Entry level living area; Resale property; Faces east; Builder model: Stonewater
• Construction: Built with CBS construction materials; Barrel roof
• Exterior features: Covered patio; Patio; Fenced yard; Waterfront property; Sidewalks; Paved road frontage (east of US-1)

Interior

• Kitchen: Disposal; Dishwasher; Gas range; Microwave; Refrigerator; Kitchen island
• Bedrooms: Three main-level bedrooms
• Flooring: Vinyl flooring
• Bathrooms: Four full bathrooms; Three bathrooms on the main level
• Heating & cooling: Central electric heating; Central electric air conditioning
• Interior features: Built-in features; Cathedral and vaulted ceilings; Entrance foyer; Kitchen island; Walk-in closets; Upstairs living area
• Laundry & utility: Laundry closet with tub located inside

What this means for you Summary

Snapshot

• This is a 4-bed/4.5-bath single-family listed at $1.90M.

Deal economics

• At list price, monthly cash flow is $4k ($51k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($23k rent vs $1.90M).
• Recommended offer: $1.79M (6.0% below list) — sets the bar for market timing.
• Cap rate 9.0% vs local median 2.6% 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: Jerry Thomas Elementary School (math 60% / reading 67%, grade B, #564 of 2,144 statewide, top 27%, 718 students, 41% FRL); Independence Middle School (math 71% / reading 67%, grade A, #68 of 571 statewide, top 12%, 1,166 students, 25% FRL); Jupiter High School (math 56% / reading 64%, grade C+, #106 of 667 statewide, top 16%, 3,087 students, 28% FRL) — zoned schools average 31% FRL vs 52% district-wide (21 pts lower); this property's tenant base skews higher-income than the district average.
• Zoned-school proficiency averages 64% at this address vs 50% district-wide (+15 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: 126 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 3,974 units permitted in Palm Beach County in 2024 (1,012 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $13k of loan paydown is wiped out by about $57k of value loss. Plan a longer hold.
• Palm Beach County population projected at +30% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 78 days — a 6% lower offer ($1.79M) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 6y 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.
• Current owner paid $1.62M; 17% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $1,786,000 (6.0% below list)

Questions for the listing agent

1. It's been on market 78 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.19% ✓
• Cap rate: 8.98%
• Cash-on-cash: 9.61%
• DSCR: 1.43
• GRM: 7.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -1.8%
• Equity multiple: 0.93×
• Total profit: $-35,814
• Equity at exit: $283,296

10-year hold

• IRR: 7.9%
• Equity multiple: 1.60×
• Total profit: $320,853
• Equity at exit: $164,277

Cash invested: $532,000 (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 33478

• Active inventory: 126
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $22,582 high
• Mortgage (P&I): −$9,964
• Tax from tax record: −$2,228 /mo · $26,731/yr
• Insurance: −$792
• HOA: −$595
• Vacancy / Maint / Mgmt: −$4,742
• Net cashflow: $4,262

Break-even live

Break-even rent $17,187

Max offer price $1,900,000

Occupancy floor 76%

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: $475,000
• Closing costs: $57,000
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
141 Cinder Dunes Pt Jupiter, FL	4.0	4.0	3856	$20,000	$5.19	24d	1	0.31mi
182 Rosalia Ct Jupiter, FL	4.0	4.5	4000	$25,000	$6.25	24d	1	0.59mi
179 Carmela Ct Jupiter, FL	3.0	4.5	3930	$30,000	$7.63	18d	1	0.75mi
131 Carmela Ct Jupiter, FL	5.0	5.5	4463	$22,000	$4.93	20d	1	0.75mi
18363 Island Oak Ave Jupiter, FL	5.0	4.0	3833	$18,000	$4.70	24d	1	0.97mi
183 Rudder Cay Way Jupiter, FL	5.0	3.0	2972	$6,000	$2.02	4d	1	1.00mi

HOA detail

• Monthly dues: $595 · $7,140/yr
• Likely covers: watergaselectricpool

Listing history 37 events

1. 2026-06-18
   days on market $1,900,000 Active 78 DOM
2. 2026-06-17
   days on market $1,900,000 Active 77 DOM
3. 2026-06-16
   days on market $1,900,000 Active 76 DOM
4. 2026-06-15
   days on market $1,900,000 Active 75 DOM
5. 2026-06-13
   days on market $1,900,000 Active 73 DOM
6. 2026-06-09
   days on market $1,900,000 Active 69 DOM
7. 2026-06-08
   days on market $1,900,000 Active 68 DOM
8. 2026-06-07
   days on market $1,900,000 Active 67 DOM
9. 2026-06-04
   days on market $1,900,000 Active 64 DOM
10. 2026-06-03
    days on market $1,900,000 Active 63 DOM
11. 2026-06-02
    days on market $1,900,000 Active 62 DOM
12. 2026-06-01
    days on market $1,900,000 Active 61 DOM
13. 2026-05-31
    days on market $1,900,000 Active 60 DOM
14. 2026-03-31
    listed $1,900,000 Active
15. 2026-03-27
    historical
16. 2026-02-01
    price $2,000,000
17. 2025-08-08
    listed $2,150,000 Active
18. 2022-01-21
    soldstatus $1,620,268
19. 2022-01-18
    soldstatus $1,620,268 Closed 823-char remark

    Show marketing remark (823 chars)

    Don't miss this immaculate & meticulously maintained waterfront home on an ultra premium rare corner lot with panoramic lake views. Enter through the custom upgraded front doors into this elegant contemporary home boasting a sprawling wide open floor plan & soaring ceilings. The chef's kitchen features gorgeous gray cabinetry, walk-in pantry, stainless steel appliances, gas stove top, double ovens, and a massive kitchen island. Views of the soon to be built luxurious saltwater pool, spa and beautiful lake can be seen from every vantage point of the main living areas. Hurricane impact windows & doors, NEMA 14-50 outlet in your garage to charge your electric vehicle, & a water cooled whole-house generator that was just installed Oct 2021 to keep you fully powered. The inviting home shows its

20. 2021-12-09
    historical Active Under Contract 823-char remark

    Show marketing remark (823 chars)

    Don't miss this immaculate & meticulously maintained waterfront home on an ultra premium rare corner lot with panoramic lake views. Enter through the custom upgraded front doors into this elegant contemporary home boasting a sprawling wide open floor plan & soaring ceilings. The chef's kitchen features gorgeous gray cabinetry, walk-in pantry, stainless steel appliances, gas stove top, double ovens, and a massive kitchen island. Views of the soon to be built luxurious saltwater pool, spa and beautiful lake can be seen from every vantage point of the main living areas. Hurricane impact windows & doors, NEMA 14-50 outlet in your garage to charge your electric vehicle, & a water cooled whole-house generator that was just installed Oct 2021 to keep you fully powered. The inviting home shows its

21. 2021-12-01
    listed $1,750,000 Active 823-char remark

    Show marketing remark (823 chars)

    Don't miss this immaculate & meticulously maintained waterfront home on an ultra premium rare corner lot with panoramic lake views. Enter through the custom upgraded front doors into this elegant contemporary home boasting a sprawling wide open floor plan & soaring ceilings. The chef's kitchen features gorgeous gray cabinetry, walk-in pantry, stainless steel appliances, gas stove top, double ovens, and a massive kitchen island. Views of the soon to be built luxurious saltwater pool, spa and beautiful lake can be seen from every vantage point of the main living areas. Hurricane impact windows & doors, NEMA 14-50 outlet in your garage to charge your electric vehicle, & a water cooled whole-house generator that was just installed Oct 2021 to keep you fully powered. The inviting home shows its

22. 2021-11-29
    historical $1,750,000 823-char remark

    Show marketing remark (823 chars)

    Don't miss this immaculate & meticulously maintained waterfront home on an ultra premium rare corner lot with panoramic lake views. Enter through the custom upgraded front doors into this elegant contemporary home boasting a sprawling wide open floor plan & soaring ceilings. The chef's kitchen features gorgeous gray cabinetry, walk-in pantry, stainless steel appliances, gas stove top, double ovens, and a massive kitchen island. Views of the soon to be built luxurious saltwater pool, spa and beautiful lake can be seen from every vantage point of the main living areas. Hurricane impact windows & doors, NEMA 14-50 outlet in your garage to charge your electric vehicle, & a water cooled whole-house generator that was just installed Oct 2021 to keep you fully powered. The inviting home shows its

23. 2021-07-09
    soldstatus $1,400,000
24. 2021-06-30
    soldstatus $1,400,000 Closed
25. 2021-05-15
    historical Active Under Contract
26. 2021-05-15
    status Pending
27. 2021-05-13
    historical
28. 2021-05-13
    listed $1,399,000 Active
29. 2021-05-13
    listed $1,399,000 Active
30. 2021-03-03
    soldstatus $1,260,000 Closed
31. 2021-02-22
    status Pending
32. 2021-02-13
    historical Active Under Contract
33. 2021-02-11
    price $1,279,000
34. 2021-02-10
    status Active
35. 2021-01-25
    historical Contingent
36. 2021-01-06
    price $1,379,000
37. 2020-10-12
    listed $1,259,000 Active

ⓘ 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: $26,731 · $2,228/mo
• Projected year-2 tax: $26,731 · $2,228/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 3/10 Moderate
• 🌡 Heat 9/10 Extreme 6 d/yr ≥106°F today · 18 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: $270,988
• − Mortgage interest: −$106,430
• − Property taxes: −$26,731
• − Insurance: −$9,500
• − Repairs & maintenance: −$21,679
• − Management: −$21,679
• − HOA: −$7,140
• − Depreciation: −$55,273
• Taxable income: $22,557
• Est. tax owed @ 24.0%: −$5,414
• After-tax cash flow: $45,731/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
• City population: 68,420
• Population (ZIP): 15,205

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 (80%)
• Race & ethnicity: White 80% Two or more races 14% Hispanic / Latino 8% Asian 3%
• Hispanic origin (detail): Puerto Rican 1% Cuban 1%
• Common ancestry: Slovak 4% Romanian 4% Italian 3%
• Foreign-born: 10% · Canada, China, Vietnam
• Languages at home: 86% English-only · Spanish 5% Other Indo-European 4% Russian/Polish/Slavic 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: ▼ -306.11%
• Current HPI: 427.5178
• Rent YoY: —
• Metro: —
• 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

+50.9% since first listed

24 events — show timeline

• 2026-03-31 Listed $1,900,000 Beaches MLS
• 2026-03-27 Listing Removed — Beaches MLS
• 2026-02-01 Price Changed $2,000,000 Beaches MLS
• 2025-08-08 Listed $2,150,000 Beaches MLS
• 2022-01-21 Sold (Public Records) $1,620,268 Public Records
• 2022-01-18 Sold (MLS) $1,620,268 Beaches MLS
• 2021-12-09 Contingent — Beaches MLS
• 2021-12-01 Listed $1,750,000 Beaches MLS
• 2021-11-29 Coming Soon $1,750,000 Beaches MLS
• 2021-07-09 Sold (Public Records) $1,400,000 Public Records
• 2021-06-30 Sold (MLS) $1,400,000 Beaches MLS
• 2021-05-15 Contingent — Beaches MLS
• 2021-05-15 Pending — Beaches MLS
• 2021-05-13 Listing Removed — Beaches MLS
• 2021-05-13 Listed $1,399,000 Beaches MLS
• 2021-05-13 Listed $1,399,000 Beaches MLS
• 2021-03-03 Sold (MLS) $1,260,000 Beaches MLS
• 2021-02-22 Pending — Beaches MLS
• 2021-02-13 Contingent — Beaches MLS
• 2021-02-11 Price Changed $1,279,000 Beaches MLS
• 2021-02-10 Relisted — Beaches MLS
• 2021-01-25 Contingent — Beaches MLS
• 2021-01-06 Price Changed $1,379,000 Beaches MLS
• 2020-10-12 Listed $1,259,000 Beaches MLS

Property tax history

+10.1%/yr

Latest (2025): $26,731 · +2.9% YoY. Source: county tax records.