🏗️ New Construction
41 La Villa Way · Lakewood Park, FL
Flood risk 3/10 · Minor
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.2%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 25 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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 +12.1/30.0
- ARV discount +7.5/15.0
- Condition / age +4.0/5.0
- 1% rule +3.9/10.0
- DSCR +3.8/10.0
- Schools +3.2/10.0
- Livability +3.2/5.0
- Rent growth +2.5/5.0
- Appreciation +0.0/10.0
$289,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Our most Popular Model: The Windsor offers unmatched value with 3 full bedrooms, 2 baths, and a car garage + golf-cart garage. Enjoy high vaulted ceilings, a chef's kitchen with a large island, and open concept living perfect for entertaining. Built for comfort and peace of mind with solid block construction and impact windows. Whether you're relaxing at home or enjoying the clubhouse, golf course, or pickleball courts, this home delivers the 55+ lifestyle you've been dreaming of. All models are built with 3/16th true plywood roof sheathing, hurricane tie straps, R-30 insulation, & hip roof designs ensuring big insurance premium discounts.
Key facts
- Open concept living
- Hurricane tie straps
- Chef's kitchen
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $289k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-235 ($-3k/yr) — negative.
- To cash-flow at today's rent, offer at most $284k (1.6% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $249k (13.9% below list).
- Recommended offer: $249k (13.9% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 63/100 on livability (#719 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: amenities F, commute F, health & safety D-.
- St. Lucie (urban): math 40% / reading 48% proficiency, ranked #51 of 73 in FL (top 70%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Zoned schools: Manatee Academy K-8 (math 53% / reading 51%, grade C-, #990 of 2,144 statewide, top 48%, 1,664 students, 65% FRL); Southern Oaks Middle School (math 39% / reading 43%, grade F, #353 of 571 statewide, top 63%, 894 students, 76% FRL); Fort Pierce Central High School (math 15% / reading 45%, grade F, #441 of 667 statewide, top 67%, 3,091 students, 62% FRL).
- Market conditions: 427 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
- At $2,488/mo this rent would consume 47% of the median local household income ($63k/yr) — 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 $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
- St. Lucie County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 175 days — a 12% lower offer ($254k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- It's been on market 175 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
- 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?
- 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.
- 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.
- 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
- 0.78% ✗
- Cap rate
- 5.41%
- Cash-on-cash
- -3.17%
- DSCR
- 0.86
- GRM
- 10.7
CMA / ARV
- ARV (median comp)
- $318,527
- List price
- $289,000
- Delta
- -9.27%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1 La Villa Ct | 0.14mi | 3/2.0 | 1,753 (0%) | 2mo | $309,000 | $176 | 92 |
| 63 La Villa Way | 0.04mi | 2/2.5 (-1) | 1,839 (+5%) | 2mo | $309,000 | $168 | 81 |
| 7005 Salerno Rd | 0.42mi | 3/2.0 | 1,750 (-0%) | 3mo | $350,000 | $200 | 78 |
| 7002 Paso Robles Blvd | 0.38mi | 4/2.0 (+1) | 1,809 (+3%) | 1mo | $389,900 | $216 | 72 |
| 7406 Lakeland Blvd | 0.65mi | 3/2.0 | 1,724 (-2%) | 4mo | $265,000 | $154 | 64 |
| 6204 Spring Lakes Ter | 0.59mi | 4/2.0 (+1) | 1,814 (+4%) | 0mo | $325,000 | $179 | 61 |
| 7204 Fort Walton Ave | 0.56mi | 4/2.0 (+1) | 1,662 (-5%) | 4mo | $299,000 | $180 | 57 |
| 6300 Spring Lake Ter | 0.59mi | 3/2.0 | 1,588 (-9%) | 3mo | $299,000 | $188 | 54 |
| 6703 Oneco Way | 0.55mi | 2/2.0 (-1) | 1,550 (-12%) | 2mo | $350,000 | $226 | 48 |
| 5940 Spanish River Rd | 0.71mi | 3/2.5 | 1,950 (+11%) | 1mo | $290,000 | $149 | 45 |
| 6117 Spring Lake Ter | 0.64mi | 4/2.0 (+1) | 2,003 (+14%) | 0mo | $312,000 | $156 | 41 |
| 6217 Spring Lake Ter | 0.62mi | 4/2.0 (+1) | 2,000 (+14%) | 3mo | $295,000 | $148 | 40 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 3.0% rent growth · sell at horizon
- IRR
- -21.6%
- Equity multiple
- 0.25×
- Total profit
- $-66,572
- Equity at exit
- $47,493
- IRR
- -15.2%
- Equity multiple
- 0.14×
- Total profit
- $-77,124
- Equity at exit
- $27,540
Cash invested: $89,187 (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
Active competition Active MLS
- For sale now
- 60 active · 44 under contract
- Months of supply
- 8.8 mo (11%/mo absorbed)
- Median asking
- $322,000 ($186/sqft)
- Median days on market
- 41 d
- This list price
- 45% of active listings are priced below it
- ARV vs active asking
- -2.3% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34951
- Home prices YoY
- -23.6%
- Active inventory
- 427
- Price-to-rent
- 9.7×
Monthly cashflow live
- Estimated rent
- $2,488 high interval (Pro) →
- Mortgage (P&I)
- −$1,670
- Tax est. 1.5%
- −$398 /mo · $4,778/yr
- Insurance
- −$133
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$523
- Net cashflow
- $-235
Break-even live
Sensitivity live
| Price | -10% $-15 | -5% $-125 | +0% $-235 | +5% $-345 | +10% $-456 |
|---|---|---|---|---|---|
| Rent | -10% $-432 | -5% $-334 | +0% $-235 | +5% $-137 | +10% $-39 |
| Rate | -1.0pp $-75 | -0.5pp $-154 | base $-235 | +0.5pp $-318 | +1.0pp $-402 |
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
- $79,632
- Closing costs
- $9,556
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 24 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 6707 Coquina Ave Fort Pierce, FL | 3.0 | 2.0 | 1478 | $2,400 | $1.62 | 6d | 1 | 0.29mi |
| 7008 Salerno Rd Fort Pierce, FL | 3.0 | 2.0 | 1400 | $2,250 | $1.61 | 6d | 1 | 0.42mi |
| 2450 8th Ave SW Vero Beach, FL | 3.0 | 2.0 | 1388 | $2,100 | $1.51 | 116d | 1 | 0.54mi |
| 6305 Spring Lake Ter Fort Pierce, FL | 3.0 | 2.0 | 1416 | $2,100 | $1.48 | 6d | 1 | 0.61mi |
| 6020 Spring Lake Ter Fort Pierce, FL | 3.0 | 2.0 | 1437 | $2,100 | $1.46 | 6d | 1 | 0.61mi |
| 7402 Lakeland Blvd Fort Pierce, FL | 3.0 | 3.0 | 1434 | $2,400 | $1.67 | 6d | 1 | 0.63mi |
| 2390 6th Way SW Vero Beach, FL | 3.0 | 2.0 | 1362 | $2,350 | $1.73 | 4d | 1 | 0.64mi |
| 7503 Paso Robles Blvd Fort Pierce, FL | 3.0 | 2.0 | 1260 | $2,000 | $1.59 | 119d | 1 | 0.71mi |
| 5717 Spanish River Rd Fort Pierce, FL | 3.0 | 2.0 | 2484 | $2,100 | $0.85 | 6d | 1 | 0.76mi |
| 6024 Santa Margarito Dr Fort Pierce, FL | 4.0 | 2.5 | 2298 | $2,850 | $1.24 | 6d | 1 | 0.78mi |
| 5642 Sunberry Cir Fort Pierce, FL | 3.0 | 2.0 | 1377 | $1,950 | $1.42 | 119d | 1 | 0.83mi |
| 2320 Water Oaks Ln Vero Beach, FL | 2.0 | 2.0 | 1650 | $2,400 | $1.45 | 6d | 1 | 0.87mi |
| 6104 Santa Margarito Dr Fort Pierce, FL | 3.0 | 3.0 | 1744 | $2,500 | $1.43 | 6d | 1 | 0.87mi |
| 7403 Winter Garden Pkwy Fort Pierce, FL | 3.0 | 2.0 | 1372 | $2,200 | $1.60 | 117d | 1 | 0.90mi |
| 6514 Flora Way Fort Pierce, FL | 3.0 | 2.0 | 1404 | $2,135 | $1.52 | 0d | 1 | 0.91mi |
| 2320 Water Oaks Ln Unit 111 Vero Beach, FL | 3.0 | 2.0 | 1811 | $3,500 | $1.93 | 116d | 1 | 0.92mi |
| 5605 Winter Garden Pkwy Fort Pierce, FL | 3.0 | 2.0 | 1410 | $2,700 | $1.91 | 6d | 1 | 1.05mi |
| 7410 Santa Rosa Pkwy Fort Pierce, FL | 3.0 | 2.0 | 1401 | $2,200 | $1.57 | 6d | 1 | 1.09mi |
| 5510 Shannon Dr Fort Pierce, FL | 3.0 | 2.0 | 1594 | $2,350 | $1.47 | 109d | 1 | 1.12mi |
| 7704 Pacific Ave Fort Pierce, FL | 3.0 | 2.0 | 1719 | $2,500 | $1.45 | 109d | 1 | 1.16mi |
| 23 Highland Dr SW Vero Beach, FL | 4.0 | 3.0 | 1263 | $2,950 | $2.34 | 116d | 1 | 1.35mi |
| 2135 19th Ave SW Vero Beach, FL | 3.0 | 2.0 | 1342 | $2,290 | $1.71 | 5d | 1 | 1.35mi |
| 547 High Hawk Cir Unit 541 Vero Beach, FL | 3.0 | 2.0 | 1330 | $2,300 | $1.73 | 6d | 1 | 1.38mi |
| 865 17th Ln SW Vero Beach, FL | 2.0 | 2.0 | 1258 | $2,500 | $1.99 | 6d | 1 | 1.43mi |
Property features AI
Finance
- Other
- Land lease expires 2126-04-02
- Financial info
- Land lease (monthly)
- HOA & community
- Located in a senior communityPets allowed with no restrictions
Exterior
- Parking
- Attached garage (1.5 garage spaces, covered)
- Security
- Security patrol
- Utilities
- Public waterPublic sewerCable availableElectricity availableWater connected
- Home design
- Single family residenceOne storyNew constructionFaces east
- Construction
- Built with block, concrete, stucco (CBS)Builder: Wynne Building CorporationBuilding area from plans
- Exterior features
- Waterfront propertyMetal roof
Interior
- Kitchen
- DishwasherElectric rangeMicrowaveRefrigeratorElectric water heater
- Bedrooms
- 3 bedrooms on the main level
- Flooring
- CarpetLinoleumTile
- Bathrooms
- 2 full bathrooms on the main level
- Heating & cooling
- Central electric heatingCentral air conditioning
- Interior features
- High ceilingsKitchen islandWalk-in closet(s)
- Laundry & utility
- Dedicated laundry room
Listing history 50 events
-
2026-09-24days on market $289,000 Active 175 DOM
-
2026-09-23days on market $289,000 Active 174 DOM
-
2026-09-22days on market $289,000 Active 173 DOM
-
2026-09-21days on market $289,000 Active 172 DOM
-
2026-09-20days on market $289,000 Active 171 DOM
-
2026-09-19days on market $289,000 Active 170 DOM
-
2026-09-18days on market $289,000 Active 169 DOM
-
2026-09-17days on market $289,000 Active 168 DOM
-
2026-09-16days on market $289,000 Active 167 DOM
-
2026-09-15days on market $289,000 Active 166 DOM
-
2026-09-14days on market $289,000 Active 165 DOM
-
2026-09-13days on market $289,000 Active 164 DOM
-
2026-09-12days on market $289,000 Active 163 DOM
-
2026-09-11days on market $289,000 Active 162 DOM
-
2026-09-05days on market $289,000 Active 156 DOM
-
2026-09-04days on market $289,000 Active 155 DOM
-
2026-09-03days on market $289,000 Active 154 DOM
-
2026-08-31days on market $289,000 Active 151 DOM
-
2026-08-30days on market $289,000 Active 150 DOM
-
2026-08-29days on market $289,000 Active 149 DOM
-
2026-08-28days on market $289,000 Active 148 DOM
-
2026-08-27days on market $289,000 Active 147 DOM
-
2026-08-26days on market $289,000 Active 146 DOM
-
2026-08-25days on market $289,000 Active 145 DOM
-
2026-08-24days on market $289,000 Active 144 DOM
-
2026-08-23days on market $289,000 Active 143 DOM
-
2026-08-22days on market $289,000 Active 142 DOM
-
2026-08-21days on market $289,000 Active 141 DOM
-
2026-08-20days on market $289,000 Active 140 DOM
-
2026-08-19days on market $289,000 Active 139 DOM
-
2026-08-18days on market $289,000 Active 138 DOM
-
2026-08-17days on market $289,000 Active 137 DOM
-
2026-08-16days on market $289,000 Active 136 DOM
-
2026-08-15days on market $289,000 Active 135 DOM
-
2026-08-14days on market $289,000 Active 134 DOM
-
2026-08-13days on market $289,000 Active 133 DOM
-
2026-08-12days on market $289,000 Active 132 DOM
-
2026-08-11days on market $289,000 Active 131 DOM
-
2026-08-10days on market $289,000 Active 130 DOM
-
2026-08-09days on market $289,000 Active 129 DOM
-
2026-08-08days on market $289,000 Active 128 DOM
-
2026-08-07days on market $289,000 Active 127 DOM
-
2026-08-06days on market $289,000 Active 126 DOM
-
2026-08-05days on market $289,000 Active 125 DOM
-
2026-08-04pricedays on market $289,000 Active 124 DOM
-
2026-08-03days on market $309,000 Active 123 DOM
-
2026-07-31days on market $309,000 Active 120 DOM
-
2026-07-30days on market $309,000 Active 119 DOM
-
2026-07-29days on market $309,000 Active 118 DOM
-
2026-07-27days on market $309,000 Active 116 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
- Wildfire 4/10 Moderate
- Heat 10/10 Extreme 7 d/yr ≥107°F today · 25 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
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $29,861
- − Mortgage interest
- −$17,842
- − Property taxes
- −$4,778
- − Insurance
- −$1,593
- − Repairs & maintenance
- −$2,389
- − Management
- −$2,389
- − Depreciation
- −$9,266
- Taxable loss
- −$8,396
- Est. tax savings @ 24.0%
- +$2,015
- After-tax cash flow
- $-810/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.
Condition & rehab AI · 12 photos
This home is in excellent condition with a modern kitchen, two bathrooms, and impact windows. It is move-in ready and would benefit from some exterior painting and landscaping improvements to further enhance its value.
Value-add opportunities
- Resale Painting the exterior walls — Fresh paint can enhance curb appeal and property value. ↑
- Resale Landscaping improvements — Enhanced landscaping can attract more potential buyers. ↑
- Both Adding smart home features — Smart home features can increase both resale and rental value by making the home more modern and convenient. ↑
Zoned Schools
Schools (NCES district)
- District
- St. Lucie
- NCES district ID
- 1201770
- Math proficiency
- 40% ▼ -11.00%
- Reading proficiency
- 48% ▼ -4.00%
- Median HH income
- $44,737
- Composite
- 37.28/100
- National rank
- #4449
- State rank
- #51 of 73 in FL
Livability — Lakewood Park
- Score
- 63/100
- State rank
- #719
- US rank
- #15407
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Lakewood Park, FL
- County
- Saint Lucie County · 338,016 people
- Metro
- Port St. Lucie, FL
- Population (ZIP)
- 17,148
- Household income
- $63,122
- Rent vs Own
- Severe rent burden
- 6% of renters
Population outlook (St. Lucie County) Hauer SSP2
- Today (2025)
- 338,016 people
- By 2030
- 355,687 · +5.2%
- By 2040
- 385,521 · +14.1%
- By 2050
- 406,106 · +20.1%
- By 2075
- 441,054 · +30.5%
- By 2100
- 436,885 · +29.2%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (74%)
- Race & ethnicity
- White 74% Black 13% Hispanic / Latino 8% Two or more races 7% Asian 2%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 2% Cuban 2%
- Common ancestry
- Romanian 3% Italian 2% Lithuanian 2%
- Foreign-born
- 10% · Canada, Jamaica, Vietnam
- Languages at home
- 88% English-only · Spanish 7% French/Haitian/Cajun 3% Vietnamese 1%
Political lean MEDSL · St. Lucie
- 2024 margin
- Lean R (+9.1) · D 45.1% · R 54.2%
- 2008→2024 swing
- -21.2pp toward R · 2008: 12.1pp · 2024: -9.1pp
- All cycles
- 2024: R+9.1 2020: R+1.6 2016: R+2.5 2012: D+7.9 2008: D+12.1
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -106.06%
- Current HPI
- 343.1376
- Rent YoY
- —
- Metro
- Port St. Lucie, 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
+1.3% since first listed2 events — show timeline
- 2026-04-06 Price Changed $309,000 Beaches MLS
- 2026-04-02 Listed $305,000 Beaches MLS
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…