7373 Stuart Ave · Grant-Valkaria, FL 32951

$539,900

3 bd · 2.0 ba · 1,534 sqft · SingleFamily public records · 45 Days on market

Built 2003 6,970 sqft lot $4/mo HOA

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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 +22.5/30.0
• ARV discount +7.5/15.0
• DSCR +7.2/10.0
• 1% rule +5.4/10.0
• Schools +4.7/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Tenant occupied. Lease ends June 30, 2026.Walk to beach access is 4 minutes! Charming Key West style home has front porch and is situated on a quiet cul de sac. Three bedroom split floor plan home has 2 full baths and 2 car garage. You will love this quiet community of Sunnyland Beach with a private deeded ocean access 5 minute walk away from home. Both bathrooms have been updated. The kitchen has new stainless steel appliances. Open airy floor plan, 10 ft ceilings and Tile floors through out. Added bonus since this home is on South Brevard Water CO-OP and hooked to sewer not a septic tank! Reverse osmosis system too. New vinyl fence gives more privacy in backard. Hurry this won't last long.

Key facts

• 6,970 sq ft lot
• 2 garage spots
• Built 2003

Property features AI

Finance

• HOA & community: Community association (Sunnyland Beach 1st Add); Annual association fee of $50; Association amenities include beach access and jogging path

Exterior

• Parking: 2-car garage with garage door opener
• Utilities: Public sewer; Water connected; Electricity connected; Cable available; Sewer connected
• Home design: Single family residence; One level (entry level: 1); Faces east
• Construction: Frame construction with vinyl siding; Shingle roof; Built as a single-family home
• Exterior features: Storm shutters; Front porch; Rear porch; Fenced yard (vinyl and wood); Sprinklers in front and rear; Cul-de-sac / dead-end street location; County road frontage; Asphalt road surface

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator; Ice maker
• Bedrooms: 3 bedrooms
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning (electric)
• Interior features: Ceiling fans; Eat-in kitchen; Open floorplan; Primary bathroom with tub and shower; Walk-in closet(s)
• Laundry & utility: In-unit washer and dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $540k.

Deal economics

• At list price, monthly cash flow is $843 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($6k rent vs $540k).
• Recommended offer: $524k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• 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.
• Zoned schools: Gemini Elementary School (math 80% / reading 79%, grade A, #116 of 2,144 statewide, top 6%, 468 students, 20% FRL); Herbert C. Hoover Middle School (math 67% / reading 64%, grade A-, #95 of 571 statewide, top 17%, 506 students, 38% FRL); Melbourne Senior High School (math 43% / reading 57%, grade D+, #175 of 667 statewide, top 27%, 2,249 students, 31% FRL).
• Market conditions: 218 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,602 units permitted in Brevard County in 2024 (702 in 5+ unit buildings).
• At $5,622/mo this rent would consume 69% of the median local household income ($98k/yr) (locally 196% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $4k of loan paydown is wiped out by about $16k 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 45 days — a 3% lower offer ($524k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 22y 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 $196k; list at $540k implies a 175% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 8→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $523,703 (3.0% below list)

Questions for the listing agent

1. It's been on market 45 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.04% ✓
• Cap rate: 8.31%
• Cash-on-cash: 7.22%
• DSCR: 1.32
• GRM: 8.0

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: -6.0%
• Equity multiple: 0.78×
• Total profit: $-33,777
• Equity at exit: $80,501

10-year hold

• IRR: 3.6%
• Equity multiple: 1.26×
• Total profit: $39,756
• Equity at exit: $46,681

Cash invested: $151,172 (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 32951

• Active inventory: 218
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $5,622 medium
• Mortgage (P&I): −$2,831
• Tax from tax record: −$471 /mo · $5,654/yr
• Insurance: −$225
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$4
• Vacancy / Maint / Mgmt: −$1,181
• Net cashflow: $843

Break-even live

Break-even rent $4,554

Max offer price $539,900

Occupancy floor 80%

Sensitivity live

Price	-10% $1,149	-5% $996	+0% $843	+5% $690	+10% $538
Rent	-10% $399	-5% $621	+0% $843	+5% $1,065	+10% $1,287
Rate	-1.0pp $1,115	-0.5pp $981	base $843	+0.5pp $703	+1.0pp $561

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: $134,975
• Closing costs: $16,197
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
143 Caledonia Dr Melbourne Beach, FL	3.0	2.5	2005	$9,500	$4.74	15d	1	0.74mi
113 Margarita Rd Unit 1546210P Melbourne Beach, FL	3.0	2.0	1689	$5,076	$3.01	15d	1	1.02mi
108 Delvalle St Melbourne Beach, FL	3.0	2.0	1372	$3,000	$2.19	24d	1	1.48mi

HOA detail

• Monthly dues: $4 · $48/yr
• Likely covers: watersewer

Listing history 47 events

1. 2026-06-18
   days on market $539,900 Active 45 DOM
2. 2026-06-17
   days on market $539,900 Active 44 DOM
3. 2026-06-16
   days on market $539,900 Active 43 DOM
4. 2026-06-15
   days on market $539,900 Active 42 DOM
5. 2026-06-14
   days on market $539,900 Active 40 DOM
6. 2026-06-10
   days on market $539,900 Active 37 DOM
7. 2026-06-08
   days on market $539,900 Active 35 DOM
8. 2026-06-07
   days on market $539,900 Active 34 DOM
9. 2026-06-05
   days on market $539,900 Active 31 DOM
10. 2026-06-03
    days on market $539,900 Active 30 DOM
11. 2026-06-02
    days on market $539,900 Active 29 DOM
12. 2026-06-01
    days on market $539,900 Active 28 DOM
13. 2026-05-31
    days on market $539,900 Active 27 DOM
14. 2026-05-31
    days on market $539,900 Active 26 DOM
15. 2026-05-04
    listed $539,900 Active
16. 2025-07-29
    historical 702-char remark

    Show marketing remark (702 chars)

    Tenant occupied. Lease ends June 30, 2026.Walk to beach access is 4 minutes! Charming Key West style home has front porch and is situated on a quiet cul de sac. Three bedroom split floor plan home has 2 full baths and 2 car garage. You will love this quiet community of Sunnyland Beach with a private deeded ocean access 5 minute walk away from home. Both bathrooms have been updated. The kitchen has new stainless steel appliances. Open airy floor plan, 10 ft ceilings and Tile floors through out. Added bonus since this home is on South Brevard Water CO-OP and hooked to sewer not a septic tank! Reverse osmosis system too. New vinyl fence gives more privacy in backard. Hurry this won't last long.

17. 2025-06-26
    historical $2,700
18. 2025-05-01
    price $2,700
19. 2025-04-30
    status Active 702-char remark

    Show marketing remark (702 chars)

    Tenant occupied. Lease ends June 30, 2026.Walk to beach access is 4 minutes! Charming Key West style home has front porch and is situated on a quiet cul de sac. Three bedroom split floor plan home has 2 full baths and 2 car garage. You will love this quiet community of Sunnyland Beach with a private deeded ocean access 5 minute walk away from home. Both bathrooms have been updated. The kitchen has new stainless steel appliances. Open airy floor plan, 10 ft ceilings and Tile floors through out. Added bonus since this home is on South Brevard Water CO-OP and hooked to sewer not a septic tank! Reverse osmosis system too. New vinyl fence gives more privacy in backard. Hurry this won't last long.

20. 2025-04-26
    historical 702-char remark

    Show marketing remark (702 chars)

    Tenant occupied. Lease ends June 30, 2026.Walk to beach access is 4 minutes! Charming Key West style home has front porch and is situated on a quiet cul de sac. Three bedroom split floor plan home has 2 full baths and 2 car garage. You will love this quiet community of Sunnyland Beach with a private deeded ocean access 5 minute walk away from home. Both bathrooms have been updated. The kitchen has new stainless steel appliances. Open airy floor plan, 10 ft ceilings and Tile floors through out. Added bonus since this home is on South Brevard Water CO-OP and hooked to sewer not a septic tank! Reverse osmosis system too. New vinyl fence gives more privacy in backard. Hurry this won't last long.

21. 2025-04-17
    price $2,750
22. 2025-04-03
    price $545,000 702-char remark

    Show marketing remark (702 chars)

    Tenant occupied. Lease ends June 30, 2026.Walk to beach access is 4 minutes! Charming Key West style home has front porch and is situated on a quiet cul de sac. Three bedroom split floor plan home has 2 full baths and 2 car garage. You will love this quiet community of Sunnyland Beach with a private deeded ocean access 5 minute walk away from home. Both bathrooms have been updated. The kitchen has new stainless steel appliances. Open airy floor plan, 10 ft ceilings and Tile floors through out. Added bonus since this home is on South Brevard Water CO-OP and hooked to sewer not a septic tank! Reverse osmosis system too. New vinyl fence gives more privacy in backard. Hurry this won't last long.

23. 2025-02-23
    listed $2,900
24. 2024-10-28
    listed $550,000 Active 702-char remark

    Show marketing remark (702 chars)

    Tenant occupied. Lease ends June 30, 2026.Walk to beach access is 4 minutes! Charming Key West style home has front porch and is situated on a quiet cul de sac. Three bedroom split floor plan home has 2 full baths and 2 car garage. You will love this quiet community of Sunnyland Beach with a private deeded ocean access 5 minute walk away from home. Both bathrooms have been updated. The kitchen has new stainless steel appliances. Open airy floor plan, 10 ft ceilings and Tile floors through out. Added bonus since this home is on South Brevard Water CO-OP and hooked to sewer not a septic tank! Reverse osmosis system too. New vinyl fence gives more privacy in backard. Hurry this won't last long.

25. 2024-10-26
    historical $2,750
26. 2024-10-25
    historical 535-char remark

    Show marketing remark (535 chars)

    Walk to beach access is 4 minutes! Charming Key West style home has front porch and is situated on a quiet cul de sac. Three bedroom split floor plan home has 2 full baths and 2 car garage. You will love this quiet community of Sunnyland Beach with a private deeded ocean access. Open airy floor plan, 10 ft ceilings and Tile floors through out. Added bonus since this home is on South Brevard Water CO-OP and hooked to sewer not a septic tank! Reverse osmosis system too. Hurry this won't last long. Also available for rent as well!

27. 2024-08-30
    price $2,750
28. 2024-07-20
    price $550,000 535-char remark

    Show marketing remark (535 chars)

    Walk to beach access is 4 minutes! Charming Key West style home has front porch and is situated on a quiet cul de sac. Three bedroom split floor plan home has 2 full baths and 2 car garage. You will love this quiet community of Sunnyland Beach with a private deeded ocean access. Open airy floor plan, 10 ft ceilings and Tile floors through out. Added bonus since this home is on South Brevard Water CO-OP and hooked to sewer not a septic tank! Reverse osmosis system too. Hurry this won't last long. Also available for rent as well!

29. 2024-04-26
    listed $2,900
30. 2024-04-25
    listed $575,000 Active 535-char remark

    Show marketing remark (535 chars)

    Walk to beach access is 4 minutes! Charming Key West style home has front porch and is situated on a quiet cul de sac. Three bedroom split floor plan home has 2 full baths and 2 car garage. You will love this quiet community of Sunnyland Beach with a private deeded ocean access. Open airy floor plan, 10 ft ceilings and Tile floors through out. Added bonus since this home is on South Brevard Water CO-OP and hooked to sewer not a septic tank! Reverse osmosis system too. Hurry this won't last long. Also available for rent as well!

31. 2024-02-29
    soldstatus $196,000
32. 2023-11-01
    historical
33. 2023-08-03
    price $575,000
34. 2023-06-21
    listed $589,000 Active
35. 2023-03-01
    historical
36. 2022-11-29
    price $589,000
37. 2022-10-31
    listed $599,000 Active
38. 2022-10-19
    historical
39. 2022-08-30
    price $599,000
40. 2022-06-24
    price $629,900
41. 2022-05-05
    listed $650,000 Active
42. 2016-08-16
    historical
43. 2005-06-03
    soldstatus $368,200
44. 2005-06-01
    soldstatus $370,000
45. 2005-02-28
    listed $390,000
46. 2004-07-12
    listed $410,000
47. 2004-02-25
    soldstatus $218,000

ⓘ 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: $5,654 · $471/mo
• Projected year-2 tax: $5,654 · $471/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 7/10 Severe FEMA zone X (unshaded) · 75% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 8 d/yr ≥105°F today · 26 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: $67,460
• − Mortgage interest: −$30,243
• − Property taxes: −$5,654
• − Insurance: −$3,497
• − Repairs & maintenance: −$5,397
• − Management: −$5,397
• − HOA: −$48
• − Depreciation: −$15,706
• Taxable income: $1,519
• Est. tax owed @ 24.0%: −$364
• After-tax cash flow: $9,755/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 — Grant-Valkaria

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Brevard County · 602,871 people
• City population: 2,821
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 11,299
• Household income: $98,420
• Rent vs Own: 14.6% rent · 85.4% own
• Severe rent burden: 196.0

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 (89%)
• Race & ethnicity: White 89% Two or more races 5% Hispanic / Latino 5% Asian 1%
• Common ancestry: Romanian 6% Slovak 3% Lithuanian 3%
• Foreign-born: 6% · Canada
• Languages at home: 95% English-only · Spanish 3% French/Haitian/Cajun 1% Other Indo-European 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: ▼ -209.56%
• Current HPI: 379.9073
• Rent YoY: —
• 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

+147.7% since first listed

33 events — show timeline

• 2026-05-04 Listed $539,900 SCMLS
• 2025-07-29 Listing Removed — SCMLS
• 2025-06-26 Rental Removed $2,700 SCMLS
• 2025-05-01 Price Changed $2,700 SCMLS
• 2025-04-30 Relisted — SCMLS
• 2025-04-26 Listing Removed — SCMLS
• 2025-04-17 Price Changed $2,750 SCMLS
• 2025-04-03 Price Changed $545,000 SCMLS
• 2025-02-23 Listed for Rent $2,900 SCMLS
• 2024-10-28 Listed $550,000 SCMLS
• 2024-10-26 Rental Removed $2,750 SCMLS
• 2024-10-25 Listing Removed — SCMLS
• 2024-08-30 Price Changed $2,750 SCMLS
• 2024-07-20 Price Changed $550,000 SCMLS
• 2024-04-26 Listed for Rent $2,900 SCMLS
• 2024-04-25 Listed $575,000 SCMLS
• 2024-02-29 Sold (Public Records) $196,000 Public Records
• 2023-11-01 Listing Removed — SCMLS
• 2023-08-03 Price Changed $575,000 SCMLS
• 2023-06-21 Listed $589,000 SCMLS
• 2023-03-01 Listing Removed — SCMLS
• 2022-11-29 Price Changed $589,000 SCMLS
• 2022-10-31 Listed $599,000 SCMLS
• 2022-10-19 Listing Removed — SCMLS
• 2022-08-30 Price Changed $599,000 SCMLS
• 2022-06-24 Price Changed $629,900 SCMLS
• 2022-05-05 Listed $650,000 SCMLS
• 2016-08-16 Listing Removed — SCMLS
• 2005-06-03 Sold (Public Records) $368,200 Public Records
• 2005-06-01 Sold (MLS) $370,000 SCMLS
• 2005-02-28 Listed $390,000 SCMLS
• 2004-07-12 Listed $410,000 SCMLS
• 2004-02-25 Sold (Public Records) $218,000 Public Records

Property tax history

+5.3%/yr

Latest (2025): $5,654 · +15.2% YoY. Source: county tax records.