79 Castro Ct · Fruit Cove, FL 32259

$292,000

2 bd · 3.0 ba · 1,442 sqft · SingleFamily public records · 61 Days on market

Built 2019 2,178 sqft lot $202/sqft · 14% below area Est $341k · 14% under $153/mo HOA · 7% of rent

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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).

• ARV discount +14.0/15.0
• Cash flow +6.7/30.0
• Schools +6.4/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.2/10.0
• DSCR +1.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover this charming 2-bedroom, 2.5-bath townhome in the desirable Prestwick at Aberdeen community in St. Johns, FL. This low-maintenance gem offers an open, bright layout perfect for easy living. Enjoy modern finishes, a screened porch for relaxing, and an attached garage with a beautifully refinished kitchen. Nestled in a highly walkable master-planned neighborhood, everything is just steps away, including a resort-style amenity center with pools, fitness center, clubhouse, playgrounds, sports courts, and scenic trails. Ideal for families, young professionals, or active couples of any age, Aberdeen delivers a vibrant yet peaceful lifestyle with parks, events, and top-rated schools nearby. Centrally located in the hidden gem that is St. Johns County and with convenient access to I-95, shopping, and beaches make it a perfect home base. Welcome to low-maintenance, bright, airy, and peaceful Florida living at its best!

Key facts

• Scenic trails
• Fitness center
• Refinished kitchen

Tags

• SCREENED PORCH
• REFINISHED KITCHEN
• RESORT STYLE AMENITY CENTER
• FITNESS CENTER
• SCENIC TRAILS
• TOP RATED SCHOOLS

What this means for you Summary

Snapshot

• This is a 2-bed/3.0-bath single-family listed at $292k.

Deal economics

• At list price, monthly cash flow is $-465 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $210k (28.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $209k (28.5% below list).
• Recommended offer: $209k (28.5% below list) — sets the bar for 1% rule.
• Cap rate 4.4% vs local median 2.9% in Fruit Cove — 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 69/100 on livability (#469 in FL) — a middle-class / working-renter tenant base. Strengths: schools A+, crime A+, employment A+; Watch: amenities F, commute F, cost of living F.
• St. Johns (rural): math 75% / reading 73% proficiency, ranked #2 of 73 in FL (top 3%) — strong family-tenant draw, lease renewals of 3-5y typical; only 20% free/reduced lunch — higher-income household profile.
• Market conditions: Rents flat; 762 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals leasing fast (median 11d on market — plan ~1-2 weeks tenant-placement turnaround); high-income renter base; 5,575 units permitted in St. Johns County in 2024 (584 in 5+ unit buildings).
• This rent is only 17% of the median local income ($151k/yr) — well below the 30% rent-burden line; pricing power to push rent on renewal without tenant pushback.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.
• St. Johns County population projected at +60% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 61 days — a 6% lower offer ($274k) is reasonable based on typical stale-listing flexibility.
• 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $208,869 (28.5% below list)

Questions for the listing agent

1. 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?
2. It's been on market 61 days. Have you received any prior offers? Is the seller open to a 28% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.72% ✗
• Cap rate: 4.38%
• Cash-on-cash: -6.83%
• DSCR: 0.70
• GRM: 11.7

CMA / ARV

• ARV (median comp): $341,452
• List price: $292,000
• Delta: -14.48%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
345 Glasglow Dr	0.33mi	3/2.0 (+1)	1,591 (+10%)	12mo	$413,000	$260	48
1167 Shetland Dr	0.50mi	3/2.0 (+1)	1,591 (+10%)	2mo	$403,500	$254	48
21 Cruden Bay Ct	0.41mi	3/2.0 (+1)	1,591 (+10%)	11mo	$408,000	$256	45
23 Codona Glen Dr	0.49mi	3/2.0 (+1)	1,604 (+11%)	12mo	$427,500	$267	39
746 Shetland Dr	0.57mi	3/2.0 (+1)	1,604 (+11%)	9mo	$426,000	$266	38
64 Glasgow Dr	0.48mi	3/2.0 (+1)	1,564 (+8%)	20mo	$385,000	$246	38
84 Granite City Ave	0.61mi	3/2.0 (+1)	1,604 (+11%)	9mo	$399,000	$249	36
100 N Aberdeenshire Dr	0.72mi	3/2.0 (+1)	1,238 (-14%)	4mo	$350,000	$283	30

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -31.7%
• Equity multiple: -0.01×
• Total profit: $-82,984
• Equity at exit: $43,538

10-year hold

• IRR: -58.3%
• Equity multiple: -0.64×
• Total profit: $-133,709
• Equity at exit: $25,247

Cash invested: $81,760 (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 32259

• Home prices YoY: -28.8%
• Rents YoY: 0.0%
• Active inventory: 762
• Price-to-rent: 11.7×

Monthly cashflow live

• Estimated rent: $2,089 high
• Mortgage (P&I): −$1,531
• Tax from tax record: −$309 /mo · $3,713/yr
• Insurance: −$122
• HOA: −$153
• Vacancy / Maint / Mgmt: −$439
• Net cashflow: $-465

Break-even live

Break-even rent $2,678

Max offer price $209,796

Occupancy floor —

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: $73,000
• Closing costs: $8,760
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
51 Bush Pl Saint Johns, FL	3.0	2.5	1687	$2,145	$1.27	17d	1	0.10mi
100 Brannan Pl #104 Saint Johns, FL	3.0	2.0	1327	$1,869	$1.41	7d	1	0.14mi
271 Leese Dr Saint Johns, FL	3.0	2.5	1463	$1,950	$1.33	14d	1	0.43mi
461 Shetland Dr Saint Johns, FL	3.0	2.0	1795	$2,600	$1.45	7d	1	0.60mi
80 Balmoral Castle Dr Saint Johns, FL	3.0	2.0	1709	$2,850	$1.67	3d	1	0.64mi
696 Hampton Downs Ct Saint Johns, FL	3.0	2.0	1481	$2,350	$1.59	23d	1	1.02mi
199 Scotch Pebble Dr Saint Johns, FL	3.0	2.5	1502	$1,895	$1.26	11d	1	1.33mi

HOA detail

• Monthly dues: $153 · $1,836/yr
• Likely covers: landscapingpoolgym

Listing history 13 events

1. 2026-06-02
   statusdays on market $292,000 Pending 61 DOM
2. 2026-06-01
   days on market $292,000 Active 60 DOM
3. 2026-05-31
   days on market $292,000 Active 59 DOM
4. 2026-05-08
   price $292,000 936-char remark

   Show marketing remark (936 chars)

   Discover this charming 2-bedroom, 2.5-bath townhome in the desirable Prestwick at Aberdeen community in St. Johns, FL. This low-maintenance gem offers an open, bright layout perfect for easy living. Enjoy modern finishes, a screened porch for relaxing, and an attached garage with a beautifully refinished kitchen. Nestled in a highly walkable master-planned neighborhood, everything is just steps away, including a resort-style amenity center with pools, fitness center, clubhouse, playgrounds, sports courts, and scenic trails. Ideal for families, young professionals, or active couples of any age, Aberdeen delivers a vibrant yet peaceful lifestyle with parks, events, and top-rated schools nearby. Centrally located in the hidden gem that is St. Johns County and with convenient access to I-95, shopping, and beaches make it a perfect home base. Welcome to low-maintenance, bright, airy, and peaceful Florida living at its best!

5. 2026-04-02
   listed $300,000 Active 936-char remark

   Show marketing remark (936 chars)

   Discover this charming 2-bedroom, 2.5-bath townhome in the desirable Prestwick at Aberdeen community in St. Johns, FL. This low-maintenance gem offers an open, bright layout perfect for easy living. Enjoy modern finishes, a screened porch for relaxing, and an attached garage with a beautifully refinished kitchen. Nestled in a highly walkable master-planned neighborhood, everything is just steps away, including a resort-style amenity center with pools, fitness center, clubhouse, playgrounds, sports courts, and scenic trails. Ideal for families, young professionals, or active couples of any age, Aberdeen delivers a vibrant yet peaceful lifestyle with parks, events, and top-rated schools nearby. Centrally located in the hidden gem that is St. Johns County and with convenient access to I-95, shopping, and beaches make it a perfect home base. Welcome to low-maintenance, bright, airy, and peaceful Florida living at its best!

6. 2021-12-21
   soldstatus $285,000
7. 2019-07-31
   soldstatus $208,990 Sold 462-char remark

   Show marketing remark (462 chars)

   Aberdeen now offers townhomes, Prestwick at Aberdeen located in the heart of Northwest St. Johns county. Prestwick offers distinctively designed two and three bedroom, attached garage town homes by D.R.Horton. Residents enjoy all the fabulous amenities that Aberdeen has to offer. Elegant interiors include ceramic tile floors in all wet areas, volume ceilings, granite counters, and stainless finish appliances and so much more! CDD Bond Fee has been paid off.

8. 2019-07-01
   status Pending 462-char remark

   Show marketing remark (462 chars)

   Aberdeen now offers townhomes, Prestwick at Aberdeen located in the heart of Northwest St. Johns county. Prestwick offers distinctively designed two and three bedroom, attached garage town homes by D.R.Horton. Residents enjoy all the fabulous amenities that Aberdeen has to offer. Elegant interiors include ceramic tile floors in all wet areas, volume ceilings, granite counters, and stainless finish appliances and so much more! CDD Bond Fee has been paid off.

9. 2019-05-30
   price $213,990 462-char remark

   Show marketing remark (462 chars)

   Aberdeen now offers townhomes, Prestwick at Aberdeen located in the heart of Northwest St. Johns county. Prestwick offers distinctively designed two and three bedroom, attached garage town homes by D.R.Horton. Residents enjoy all the fabulous amenities that Aberdeen has to offer. Elegant interiors include ceramic tile floors in all wet areas, volume ceilings, granite counters, and stainless finish appliances and so much more! CDD Bond Fee has been paid off.

10. 2019-05-16
    price $212,990 462-char remark

    Show marketing remark (462 chars)

    Aberdeen now offers townhomes, Prestwick at Aberdeen located in the heart of Northwest St. Johns county. Prestwick offers distinctively designed two and three bedroom, attached garage town homes by D.R.Horton. Residents enjoy all the fabulous amenities that Aberdeen has to offer. Elegant interiors include ceramic tile floors in all wet areas, volume ceilings, granite counters, and stainless finish appliances and so much more! CDD Bond Fee has been paid off.

11. 2019-05-02
    price $213,990 462-char remark

    Show marketing remark (462 chars)

    Aberdeen now offers townhomes, Prestwick at Aberdeen located in the heart of Northwest St. Johns county. Prestwick offers distinctively designed two and three bedroom, attached garage town homes by D.R.Horton. Residents enjoy all the fabulous amenities that Aberdeen has to offer. Elegant interiors include ceramic tile floors in all wet areas, volume ceilings, granite counters, and stainless finish appliances and so much more! CDD Bond Fee has been paid off.

12. 2019-03-07
    price $216,990 462-char remark

    Show marketing remark (462 chars)

    Aberdeen now offers townhomes, Prestwick at Aberdeen located in the heart of Northwest St. Johns county. Prestwick offers distinctively designed two and three bedroom, attached garage town homes by D.R.Horton. Residents enjoy all the fabulous amenities that Aberdeen has to offer. Elegant interiors include ceramic tile floors in all wet areas, volume ceilings, granite counters, and stainless finish appliances and so much more! CDD Bond Fee has been paid off.

13. 2019-01-24
    listed $217,990 Active 462-char remark

    Show marketing remark (462 chars)

    Aberdeen now offers townhomes, Prestwick at Aberdeen located in the heart of Northwest St. Johns county. Prestwick offers distinctively designed two and three bedroom, attached garage town homes by D.R.Horton. Residents enjoy all the fabulous amenities that Aberdeen has to offer. Elegant interiors include ceramic tile floors in all wet areas, volume ceilings, granite counters, and stainless finish appliances and so much more! CDD Bond Fee has been paid off.

ⓘ 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: $3,713 · $309/mo
• Projected year-2 tax: $3,713 · $309/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 7/10 Severe
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,064
• − Mortgage interest: −$16,357
• − Property taxes: −$3,713
• − Insurance: −$1,460
• − Repairs & maintenance: −$2,005
• − Management: −$2,005
• − HOA: −$1,836
• − Depreciation: −$8,495
• Taxable loss: −$10,807
• Est. tax savings @ 24.0%: +$2,594
• After-tax cash flow: $-2,990/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: St. Johns
• NCES district ID: 1201740
• Math proficiency: 75% ▼ -5.00%
• Reading proficiency: 73% ▼ -2.00%
• Median HH income: $66,842
• Composite: 64.31/100
• National rank: #556
• State rank: #2 of 73 in FL

Livability — Fruit Cove

• Score: 69/100
• State rank: #469
• US rank: #8490

Category grades

Amenities F Commute F Cost of living F Crime A+ Employment A+ Housing A+ Health & safety F User ratings B-

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Saint Johns County · 301,599 people
• Metro: Jacksonville, FL
• Population (ZIP): 75,016
• Household income: $150,736
• Rent vs Own: 11.8% rent · 88.2% own
• Severe rent burden: 727.0

Population outlook (St. Johns County) Hauer SSP2

• Today (2025): 303,941 people
• By 2030: 342,590 · +12.7%
• By 2040: 417,328 · +37.3%
• By 2050: 487,011 · +60.2%
• By 2075: 635,395 · +109.1%
• By 2100: 717,469 · +136.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (73%)
• Race & ethnicity: White 73% Two or more races 11% Hispanic / Latino 9% Black 6% Asian 6%
• Hispanic origin (detail): Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 2% Lithuanian 2% Slovak 2%
• Foreign-born: 13% · Canada, Jamaica, China
• Languages at home: 86% English-only · Spanish 5% Other Indo-European 4% Other Asian/Pacific 2%

Political lean MEDSL · St. Johns

• 2024 margin: Solid R (+31.4) · D 33.9% · R 65.2%
• 2008→2024 swing: +0.2pp no change · 2008: -31.6pp · 2024: -31.4pp
• All cycles: 2024: R+31.4 2020: R+26.7 2016: R+33.4 2012: R+37.8 2008: R+31.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -105.54%
• Current HPI: 261.2552
• Rent YoY: ▬ 0.00%
• Metro: Jacksonville, 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

+34.0% since first listed

10 events — show timeline

• 2026-05-08 Price Changed $292,000 realMLS
• 2026-04-02 Listed $300,000 realMLS
• 2021-12-21 Sold (Public Records) $285,000 Public Records
• 2019-07-31 Sold (MLS) $208,990 realMLS
• 2019-07-01 Pending — realMLS
• 2019-05-30 Price Changed $213,990 realMLS
• 2019-05-16 Price Changed $212,990 realMLS
• 2019-05-02 Price Changed $213,990 realMLS
• 2019-03-07 Price Changed $216,990 realMLS
• 2019-01-24 Listed $217,990 realMLS

Property tax history

+27.7%/yr

Latest (2025): $3,713 · +13.9% YoY. Source: county tax records.