2555 Pga Blvd #436 · Palm Beach Gardens, FL 33410

$99,000

3 bd · 2.0 ba · 1,387 sqft · Manufactured · 107 Days on market

Built 2001 ↓ 5% since listing

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

3/2 1300 sqft Beautiful Updated and freshly painted home with high ceilings and open floor plan. Eat in kitchen has stainless steel appliances. split bedroom plus spacious master. Land lease includes lawn cuts, trash pick up, cable TV, Water, Pool and community pool and clubhouse upkeep.

Key facts

• Natural light
• Open living area
• Conveniently located

Tags

• OPEN LIVING AREA
• NATURAL LIGHT
• CONVENIENTLY LOCATED

Property features AI

Finance

• Financial info: Pets not allowed

Exterior

• Parking: Total 22 parking spaces; Attached carport; 1 carport space (covered); 2 open parking spaces
• Utilities: Public water; Three-phase electric service; Cable available; Water available
• Home design: Manufactured home; Single-story; Entry-level living area; North-facing
• Construction: Modular construction; Aluminum skirt; Composition and rolled/hot mop roof; Built as resale
• Exterior features: Covered patio; Patio; Porch; Shed(s); Paved road access; Not waterfront

Interior

• Kitchen: Electric range; Microwave
• Bedrooms: 3 bedrooms on the main level
• Flooring: Laminate
• Bathrooms: 2 full bathrooms on the main level
• Heating & cooling: Central individual heating; Central air conditioning
• Interior features: Walk-in closets; Split bedroom layout; Unfurnished
• Laundry & utility: Laundry inside; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $99k.

Deal economics

• At list price, monthly cash flow is $2k ($29k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $99k).
• Recommended offer: $90k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#464 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: Dwight D. Eisenhower Elementary School (math 52% / reading 52%, grade C-, #990 of 2,144 statewide, top 48%, 432 students, 56% FRL); John F. Kennedy Middle School (math 28% / reading 29%, grade F, #482 of 571 statewide, top 85%, 826 students, 78% FRL); William T. Dwyer High School (math 36% / reading 58%, grade D-, #207 of 667 statewide, top 32%, 2,206 students, 37% FRL).
• Market conditions: Rents rising (+2.5%/yr); 309 active listings in the ZIP; 40 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; 3,974 units permitted in Palm Beach County in 2024 (1,012 in 5+ unit buildings).
• At $3,928/mo this rent would consume 50% of the median local household income ($95k/yr) (locally 1429% 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 $684 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 2.5% rent growth), your $28k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 107 days — a 9% lower offer ($90k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 5y ago; this cycle's ask has dropped $26k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; 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.

Recommended offer $90,090 (9.0% below list)

Questions for the listing agent

1. It's been on market 107 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-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?
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: 3.97% ✓
• Cap rate: 35.62%
• Cash-on-cash: 104.73%
• DSCR: 5.66
• GRM: 2.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.49% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 5.91×
• Total profit: $136,100
• Equity at exit: $14,761

10-year hold

• IRR: —
• Equity multiple: 12.15×
• Total profit: $309,023
• Equity at exit: $8,560

Cash invested: $27,720 (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 33410

• Rents YoY: 2.5%
• Active inventory: 309
• Price-to-rent: 2.1×

Monthly cashflow live

• Estimated rent: $3,928 high
• Mortgage (P&I): −$519
• Tax est. 1.5%: −$124 /mo · $1,485/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$825
• Net cashflow: $2,419

Break-even live

Break-even rent $866

Max offer price $99,000

Occupancy floor 33%

Sensitivity live

Price	-10% $2,488	-5% $2,454	+0% $2,419	+5% $2,385	+10% $2,351
Rent	-10% $2,109	-5% $2,264	+0% $2,419	+5% $2,575	+10% $2,730
Rate	-1.0pp $2,469	-0.5pp $2,445	base $2,419	+0.5pp $2,394	+1.0pp $2,368

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2727 Anzio Ct #106 Palm Beach Gardens, FL	3.0	2.0	1316	$3,000	$2.28	25d	1	0.31mi
2395 Idlewild Rd Palm Beach Gardens, FL	3.0	2.0	1476	$4,500	$3.05	23d	1	0.33mi
2813 Grande Pkwy #109 Palm Beach Gardens, FL	3.0	2.0	1278	$2,818	$2.21	25d	1	0.39mi
2396 Easy St Unit A Palm Beach Gardens, FL	2.0	1.0	948	$3,500	$3.69	25d	1	0.39mi
2388 S Wallen Dr West Palm Beach, FL	3.0	2.0	1296	$4,500	$3.47	25d	1	0.45mi
2805 Veronia Dr Palm Beach Gardens, FL	3.0	2.0	1361	$3,000	$2.20	25d	1	0.45mi
2802 Sarento Pl #204 Palm Beach Gardens, FL	2.0	2.0	1092	$3,500	$3.21	25d	1	0.47mi
2916 Tuscany Ct Palm Beach Gardens, FL	3.0	2.0	1278	$2,818	$2.21	25d	1	0.51mi
2916 Tuscany Ct #201 Palm Beach Gardens, FL	2.0	2.0	1149	$3,200	$2.79	4d	1	0.51mi
160 Lost Bridge Dr Palm Beach Gardens, FL	3.0	2.0	1826	$4,500	$2.46	16d	1	0.67mi
2100 PGA Blvd Palm Beach Gardens, FL	1.0–2.0	1.0–2.0	983	$3,113	$3.17	0d	9	0.72mi
222 E Tall Oaks Cir Palm Beach Gardens, FL	3.0	2.0	1577	$5,000	$3.17	23d	1	0.78mi
700 Sanctuary Cove Dr West Palm Beach, FL	1.0–3.0	1.0–2.0	1120	$3,153	$2.82	0d	55	0.84mi
3252 Florida Blvd Unit 1326857P Palm Beach Gardens, FL	4.0	3.0	1593	$6,903	$4.33	0d	1	0.84mi
3270 Grove Rd Unit 1326860P Palm Beach Gardens, FL	3.0	2.0	1496	$5,492	$3.67	0d	1	0.88mi
1827 Len Dr North Palm Beach, FL	2.0	1.0	1600	$5,500	$3.44	3d	1	0.93mi
1827 Len Dr North Palm Beach, FL	2.0	1.0	1600	$5,500	$3.44	2d	1	0.93mi
382 Golfview Rd Unit C North Palm Beach, FL	2.0	2.0	1513	$2,950	$1.95	25d	1	0.95mi
3610 Gardens Pkwy Unit 402A Palm Beach Gardens, FL	2.0	2.5	1831	$5,500	$3.00	25d	1	0.98mi
12015 Colony Ave Palm Beach Gardens, FL	3.0	2.0	1104	$3,100	$2.81	23d	1	0.98mi
12015 Colony Ave Palm Beach Gardens, FL	3.0	2.0	1104	$3,100	$2.81	25d	1	0.98mi
11021 Legacy Ln #303 Palm Beach Gardens, FL	2.0	2.0	1403	$2,950	$2.10	25d	1	0.99mi
11521 Landing Pl Unit E1 North Palm Beach, FL	2.0	2.0	1130	$7,000	$6.19	25d	1	1.00mi
11023 Legacy Ln #204 Palm Beach Gardens, FL	2.0	2.0	1309	$3,500	$2.67	25d	1	1.00mi
1718 Ridge Rd North Palm Beach, FL	2.0	2.0	900	$2,950	$3.28	25d	1	1.00mi
3630 Gardens Pkwy Unit 1004C Palm Beach Gardens, FL	2.0	2.5	1831	$5,000	$2.73	25d	1	1.01mi
3630 Gardens Pkwy Unit 1104C Palm Beach Gardens, FL	2.0	2.5	1831	$5,250	$2.87	19d	1	1.01mi
10201 Chapman Oak Ct Palm Beach Gardens, FL	2.0	2.0	1152	$4,000	$3.47	25d	1	1.01mi
1660 Twelve Oaks Way #203 North Palm Beach, FL	2.0	2.0	1492	$7,500	$5.03	20d	1	1.02mi
370 Golfview Rd North Palm Beach, FL	2.0	2.0	1724	$3,775	$2.19	2d	2	1.03mi
1869 Circle Dr North Palm Beach, FL	2.0	2.0	1216	$3,400	$2.80	13d	1	1.04mi
11011 Legacy Dr #306 Palm Beach Gardens, FL	2.0	2.0	1403	$4,350	$3.10	25d	1	1.04mi
49 Uno Lago Dr Juno Beach, FL	2.0	2.5	1494	$5,500	$3.68	25d	1	1.04mi
11370 Twelve Oaks Way #614 North Palm Beach, FL	2.0	2.0	1535	$3,750	$2.44	25d	1	1.05mi
1 Water Club Way North Palm Beach, FL	3.0–4.0	3.0–4.0	2154	$12,500	$5.80	19d	3	1.09mi
318 Oak Harbour Dr #318 Juno Beach, FL	2.0	2.0	1533	$4,000	$2.61	25d	1	1.11mi
827 Oak Harbour Dr Juno Beach, FL	2.0	2.0	1301	$4,200	$3.23	25d	1	1.11mi
7102 Geminata Oak Ct Unit 7102 Palm Beach Gardens, FL	2.0	2.0	1152	$3,200	$2.78	8d	1	1.11mi
1128 Rainwood Cir W Palm Beach Gardens, FL	3.0	2.0	1650	$4,200	$2.55	23d	1	1.12mi
12155 US Highway 1 North Palm Beach, FL	1.0–3.0	1.0–2.0	1297	$4,786	$3.69	2d	23	1.15mi

Listing history 32 events

1. 2026-06-21
   days on market $99,000 Active 107 DOM
2. 2026-06-18
   days on market $99,000 Active 104 DOM
3. 2026-06-17
   days on market $99,000 Active 103 DOM
4. 2026-06-16
   days on market $99,000 Active 102 DOM
5. 2026-06-15
   days on market $99,000 Active 101 DOM
6. 2026-06-13
   days on market $99,000 Active 99 DOM
7. 2026-06-09
   days on market $99,000 Active 95 DOM
8. 2026-06-08
   days on market $99,000 Active 94 DOM
9. 2026-06-07
   days on market $99,000 Active 93 DOM
10. 2026-06-04
    days on market $99,000 Active 90 DOM
11. 2026-06-03
    days on market $99,000 Active 89 DOM
12. 2026-06-02
    days on market $99,000 Active 88 DOM
13. 2026-06-01
    days on market $99,000 Active 87 DOM
14. 2026-05-31
    days on market $99,000 Active 86 DOM
15. 2026-03-16
    price $105,000
16. 2026-03-06
    listed $125,000 Active
17. 2024-09-27
    soldstatus $99,900 Closed 288-char remark

    Show marketing remark (288 chars)

    3/2 1300 sqft Beautiful Updated and freshly painted home with high ceilings and open floor plan. Eat in kitchen has stainless steel appliances. split bedroom plus spacious master. Land lease includes lawn cuts, trash pick up, cable TV, Water, Pool and community pool and clubhouse upkeep.

18. 2024-08-24
    status Pending 288-char remark

    Show marketing remark (288 chars)

    3/2 1300 sqft Beautiful Updated and freshly painted home with high ceilings and open floor plan. Eat in kitchen has stainless steel appliances. split bedroom plus spacious master. Land lease includes lawn cuts, trash pick up, cable TV, Water, Pool and community pool and clubhouse upkeep.

19. 2024-08-21
    status Active 288-char remark

    Show marketing remark (288 chars)

    3/2 1300 sqft Beautiful Updated and freshly painted home with high ceilings and open floor plan. Eat in kitchen has stainless steel appliances. split bedroom plus spacious master. Land lease includes lawn cuts, trash pick up, cable TV, Water, Pool and community pool and clubhouse upkeep.

20. 2024-08-19
    status Pending 288-char remark

    Show marketing remark (288 chars)

    3/2 1300 sqft Beautiful Updated and freshly painted home with high ceilings and open floor plan. Eat in kitchen has stainless steel appliances. split bedroom plus spacious master. Land lease includes lawn cuts, trash pick up, cable TV, Water, Pool and community pool and clubhouse upkeep.

21. 2024-08-08
    historical Active Under Contract 288-char remark

    Show marketing remark (288 chars)

    3/2 1300 sqft Beautiful Updated and freshly painted home with high ceilings and open floor plan. Eat in kitchen has stainless steel appliances. split bedroom plus spacious master. Land lease includes lawn cuts, trash pick up, cable TV, Water, Pool and community pool and clubhouse upkeep.

22. 2024-07-24
    status Active 288-char remark

    Show marketing remark (288 chars)

    3/2 1300 sqft Beautiful Updated and freshly painted home with high ceilings and open floor plan. Eat in kitchen has stainless steel appliances. split bedroom plus spacious master. Land lease includes lawn cuts, trash pick up, cable TV, Water, Pool and community pool and clubhouse upkeep.

23. 2024-07-24
    price $99,900 288-char remark

    Show marketing remark (288 chars)

    3/2 1300 sqft Beautiful Updated and freshly painted home with high ceilings and open floor plan. Eat in kitchen has stainless steel appliances. split bedroom plus spacious master. Land lease includes lawn cuts, trash pick up, cable TV, Water, Pool and community pool and clubhouse upkeep.

24. 2024-06-26
    historical Active Under Contract 288-char remark

    Show marketing remark (288 chars)

    3/2 1300 sqft Beautiful Updated and freshly painted home with high ceilings and open floor plan. Eat in kitchen has stainless steel appliances. split bedroom plus spacious master. Land lease includes lawn cuts, trash pick up, cable TV, Water, Pool and community pool and clubhouse upkeep.

25. 2024-05-13
    listed $119,990 Active 288-char remark

    Show marketing remark (288 chars)

    3/2 1300 sqft Beautiful Updated and freshly painted home with high ceilings and open floor plan. Eat in kitchen has stainless steel appliances. split bedroom plus spacious master. Land lease includes lawn cuts, trash pick up, cable TV, Water, Pool and community pool and clubhouse upkeep.

26. 2024-02-28
    historical
27. 2024-01-08
    price $139,000
28. 2023-11-28
    price $145,000
29. 2023-10-01
    listed $150,000 Active
30. 2021-12-23
    soldstatus $82,000 Closed
31. 2021-12-03
    status Pending
32. 2021-11-05
    listed $110,000 Active

ⓘ 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 5/10 Major FEMA zone X (shaded) · 24% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $47,142
• − Mortgage interest: −$5,546
• − Property taxes: −$1,485
• − Insurance: −$495
• − Repairs & maintenance: −$3,771
• − Management: −$3,771
• − Depreciation: −$2,880
• Taxable income: $29,194
• Est. tax owed @ 24.0%: −$7,006
• After-tax cash flow: $22,026/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 — Palm Beach Gardens

• Score: 69/100
• State rank: #464
• US rank: #8366

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: Palm Beach Gardens, FL
• County: Palm Beach County · 1,438,312 people
• City population: 96,294
• Metro: Miami-Fort Lauderdale-Pompano Beach, FL
• Population (ZIP): 36,759
• Household income: $94,530
• Rent vs Own: 27.7% rent · 72.3% own
• Severe rent burden: 1429.0

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 (70%)
• Race & ethnicity: White 70% Hispanic / Latino 15% Two or more races 13% Black 5% Asian 4%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2% Cuban 3%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 17% · Canada, Jamaica, Vietnam
• Languages at home: 78% English-only · Spanish 13% French/Haitian/Cajun 3% Other Indo-European 2%

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: ▼ -346.12%
• Current HPI: 375.5381
• Rent YoY: ▲ 2.49%
• Metro: Miami-Fort Lauderdale-Pompano Beach, 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

-4.5% since first listed

18 events — show timeline

• 2026-03-16 Price Changed $105,000 Beaches MLS
• 2026-03-06 Listed $125,000 Beaches MLS
• 2024-09-27 Sold (MLS) $99,900 MARMLS
• 2024-08-24 Pending — MARMLS
• 2024-08-21 Relisted — MARMLS
• 2024-08-19 Pending — MARMLS
• 2024-08-08 Contingent — MARMLS
• 2024-07-24 Relisted — MARMLS
• 2024-07-24 Price Changed $99,900 MARMLS
• 2024-06-26 Contingent — MARMLS
• 2024-05-13 Listed $119,990 MARMLS
• 2024-02-28 Listing Removed — MCRTC
• 2024-01-08 Price Changed $139,000 MCRTC
• 2023-11-28 Price Changed $145,000 MCRTC
• 2023-10-01 Listed $150,000 MCRTC
• 2021-12-23 Sold (MLS) $82,000 MCRTC
• 2021-12-03 Pending — MCRTC
• 2021-11-05 Listed $110,000 MCRTC