6472 Harold Ave · Port St. John, FL 32927

$330,000

3 bd · 2.0 ba · 1,536 sqft · SingleFamily public records · 1 Days on market

Built 2000 10,454 sqft lot

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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 +13.4/30.0
• ARV discount +7.5/15.0
• Schools +4.7/10.0
• DSCR +4.0/10.0
• Rent growth +3.1/5.0
• 1% rule +3.0/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This charming, move in ready home was recently remodeled and ready for new owners. The kitchen features new, modern shaker style cabinetry, stainless steel appliances, epoxy coated counter-tops, breakfast bar, and double door pantry. The home is tiled throughout with new 5 inch baseboards, vaulted ceilings, open layout and freshly painted interior and exterior. The master and guest baths have matching shaker cabinetry and new counter-tops. The exterior of the home is contemporary in design with new landscaping and a huge back yard, perfect for entertaining. A brand architectural shingle roof with warranty is being installed soon as well! This home has a ton of curb appeal and an inviting feel that says ''Welcome Home. ''

Key facts

• 0.24 acre lot
• 2 garage spots
• Built 2000

Property features AI

Exterior

• Parking: Garage; 2-car garage
• Utilities: Septic tank; Cable connected; Water connected
• Home design: Single-family residence; Faces east
• Construction: Concrete construction
• Exterior features: Lot includes miscellaneous features (Other); Lot approximately 0.24 acres

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Unfurnished

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $330k.

Deal economics

• At list price, monthly cash flow is $6 ($67/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 $265k (19.8% below list).
• Recommended offer: $265k (19.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — 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: Challenger 7 Elementary School (math 63% / reading 63%, grade B, #582 of 2,144 statewide, top 28%, 501 students, 56% FRL); Space Coast Junior/Senior High School (math 45% / reading 44%, grade F, #237 of 667 statewide, top 36%, 1,534 students, 49% FRL).
• Market conditions: Rents rising (+2.5%/yr); 227 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 25d 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).
• This rent runs 37% of the median local income ($86k/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 $10k 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

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 7y 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 $192k; list at $330k implies a 72% 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→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $264,505 (19.8% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 0.80% ✗
• Cap rate: 6.31%
• Cash-on-cash: 0.07%
• DSCR: 1.00
• GRM: 10.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.48% rent growth · sell at horizon

5-year hold

• IRR: -16.8%
• Equity multiple: 0.41×
• Total profit: $-54,579
• Equity at exit: $49,204

10-year hold

• IRR: -9.5%
• Equity multiple: 0.43×
• Total profit: $-52,990
• Equity at exit: $28,532

Cash invested: $92,400 (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 32927

• Home prices YoY: -19.4%
• Rents YoY: 2.5%
• Active inventory: 227
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $2,645 high
• Mortgage (P&I): −$1,731
• Tax from tax record: −$216 /mo · $2,592/yr
• Insurance: −$138
• HOA: −$0
• Vacancy / Maint / Mgmt: −$555
• Net cashflow: $6

Break-even live

Break-even rent $2,638

Max offer price $330,000

Occupancy floor 95%

Sensitivity live

Price	-10% $192	-5% $99	+0% $6	+5% $-88	+10% $-181
Rent	-10% $-203	-5% $-99	+0% $6	+5% $110	+10% $215
Rate	-1.0pp $172	-0.5pp $89	base $6	+0.5pp $-80	+1.0pp $-167

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: $82,500
• Closing costs: $9,900
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4855 Balfern St Cocoa, FL	4.0	2.0	1621	$3,500	$2.16	25d	1	0.54mi
4270 Fairfax St Cocoa, FL	3.0	2.0	1357	$2,800	$2.06	25d	1	0.55mi
6655 Corto Rd Cocoa, FL	3.0	2.0	1441	$3,300	$2.29	16d	1	0.57mi
5075 Hogan Pl Unit 2 Cocoa, FL	2.0	1.0	1200	$1,500	$1.25	25d	1	0.64mi
6385 Wien Ln Cocoa, FL	3.0	2.0	1350	$2,350	$1.74	21d	1	0.79mi
5215 Holden Rd Cocoa, FL	3.0	2.0	1480	$2,185	$1.48	21d	1	0.85mi
426 Oakridge Ave Cocoa, FL	3.0	2.0	1286	$1,550	$1.21	25d	1	1.24mi
865 Dunbar St Cocoa, FL	3.0	2.0	1307	$2,350	$1.80	25d	1	1.44mi

Listing history 5 events

1. 2026-05-21
   status Pending
2. 2026-05-15
   listed $330,000 Active
3. 2019-03-29
   soldstatus $192,000 730-char remark

   Show marketing remark (730 chars)

   This charming, move in ready home was recently remodeled and ready for new owners. The kitchen features new, modern shaker style cabinetry, stainless steel appliances, epoxy coated counter-tops, breakfast bar, and double door pantry. The home is tiled throughout with new 5 inch baseboards, vaulted ceilings, open layout and freshly painted interior and exterior. The master and guest baths have matching shaker cabinetry and new counter-tops. The exterior of the home is contemporary in design with new landscaping and a huge back yard, perfect for entertaining. A brand architectural shingle roof with warranty is being installed soon as well! This home has a ton of curb appeal and an inviting feel that says ''Welcome Home. ''

4. 2019-03-29
   soldstatus $192,000

   Show marketing remark (730 chars)

   This charming, move in ready home was recently remodeled and ready for new owners. The kitchen features new, modern shaker style cabinetry, stainless steel appliances, epoxy coated counter-tops, breakfast bar, and double door pantry. The home is tiled throughout with new 5 inch baseboards, vaulted ceilings, open layout and freshly painted interior and exterior. The master and guest baths have matching shaker cabinetry and new counter-tops. The exterior of the home is contemporary in design with new landscaping and a huge back yard, perfect for entertaining. A brand architectural shingle roof with warranty is being installed soon as well! This home has a ton of curb appeal and an inviting feel that says ''Welcome Home. ''

5. 2019-02-22
   listed $199,900 730-char remark

   Show marketing remark (730 chars)

   This charming, move in ready home was recently remodeled and ready for new owners. The kitchen features new, modern shaker style cabinetry, stainless steel appliances, epoxy coated counter-tops, breakfast bar, and double door pantry. The home is tiled throughout with new 5 inch baseboards, vaulted ceilings, open layout and freshly painted interior and exterior. The master and guest baths have matching shaker cabinetry and new counter-tops. The exterior of the home is contemporary in design with new landscaping and a huge back yard, perfect for entertaining. A brand architectural shingle roof with warranty is being installed soon as well! This home has a ton of curb appeal and an inviting feel that says ''Welcome Home. ''

ⓘ 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: $2,592 · $216/mo
• Projected year-2 tax: $2,739 · $228/mo
• Expected delta: +$147/yr (+$12/mo · 5.7%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°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: $31,741
• − Mortgage interest: −$18,485
• − Property taxes: −$2,592
• − Insurance: −$1,650
• − Repairs & maintenance: −$2,539
• − Management: −$2,539
• − Depreciation: −$9,600
• Taxable loss: −$5,665
• Est. tax savings @ 24.0%: +$1,360
• After-tax cash flow: $1,426/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 — Port St. John

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

Census & demographics

• Census place: Port St. John, FL
• County: Brevard County · 602,871 people
• City population: 28,493
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 29,219
• Household income: $86,075
• Rent vs Own: 7.7% rent · 92.3% own
• Severe rent burden: 192.0

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 (82%)
• Race & ethnicity: White 82% Two or more races 8% Hispanic / Latino 5% Black 5%
• Hispanic origin (detail): Puerto Rican 2%
• Common ancestry: Lithuanian 3% Slovak 2% Iranian 2%
• Foreign-born: 5% · Canada
• Languages at home: 94% English-only · Spanish 3% French/Haitian/Cajun 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: ▼ -79.36%
• Current HPI: 330.5099
• Rent YoY: ▲ 2.48%
• 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

+65.1% since first listed

5 events — show timeline

• 2026-05-21 Pending — SCMLS
• 2026-05-15 Listed $330,000 SCMLS
• 2019-03-29 Sold (Public Records) $192,000 Public Records
• 2019-03-29 Sold (MLS) $192,000 SCMLS
• 2019-02-22 Listed $199,900 SCMLS

Property tax history

+8.8%/yr

Latest (2025): $2,592 · +8.0% YoY. Source: county tax records.