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236 Durham F #236
B- Composite 65.48
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 +20.8/30.0
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +6.6/10.0
  • Schools +4.0/10.0
  • Livability +3.8/5.0
  • Condition / age +2.8/5.0
  • Rent growth +2.5/5.0
  • Appreciation +0.0/10.0

$85,000

236 Durham F #236 · Deerfield Beach, FL 33442
1 bd · 1.0 ba · 593 sqft · Condo · 60 Days on market
Built 1974 Average condition Garage $143/sqft · 20% below area Est $107k · 20% under $574/mo HOA · 35% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

Priced to Sell !!! Spacious 1 bedroom, 1 bathroom, cozy unit located in Century Village Deerfield Beach, a Resort-Style, vibrant community. This is a well kept building, FIRST floor unit, back porch LAKE view, walking distance to the Club House and building pool, parking spot right in front of the unit. Basic cable tv, and water are included in the low monthly maintenance fee, there is no special assessment in place, roof was replaced two years ago. Durham F is a non-rental building.

Key facts

  • Lake view
  • $574 HOA
  • Garage

Tags

LAKE VIEWWALKING DISTANCE TO CLUB HOUSEPARKING SPOT RIGHT IN FRONT

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/1.0-bath condo listed at $85k. Condition is rated average.

Deal economics

  • At list price, monthly cash flow is $117 ($1k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $85k).
  • Recommended offer: $82k (3.0% below list) — sets the bar for market timing.
  • Cap rate 7.9% vs local median 4.2% in Deerfield Beach — 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 75/100 on livability (#250 in FL, #3,970 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, cost of living A; Watch: amenities D-, employment D-.
  • Broward (suburban): math 42% / reading 53% proficiency, ranked #46 of 73 in FL (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Quiet Waters Elementary School (math 40% / reading 48%, grade F, #1,330 of 2,144 statewide, top 63%, 1,128 students, 62% FRL); Lyons Creek Middle School (math 49% / reading 53%, grade C, #237 of 571 statewide, top 43%, 1,757 students, 60% FRL); Deerfield Beach High School (math 12% / reading 37%, grade F, #505 of 667 statewide, top 79%, 2,251 students, 69% FRL).
  • Market conditions: Rents flat; 671 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 57d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 72% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,111 units permitted in Broward County in 2024 (1,265 in 5+ unit buildings).
  • This rent runs 36% of the median local income ($53k/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 $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
  • Broward County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 60 days — a 3% lower offer ($82k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Watch-outs: HOA is 35% of rent.
Recommended offer $82,450 (3.0% below list)

Questions for the listing agent

  1. It's been on market 60 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
  2. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  7. 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.
  8. 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.
  9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
1.90%
Cap rate
7.95%
Cash-on-cash
5.92%
DSCR
1.26
GRM
4.4

CMA / ARV

ARV (median comp)
$106,805
List price
$85,000
Delta
-20.42%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
102 E Upminster E #102 0.41mi 1/1.0 585 (-1%) 0mo $158,000 $270 78
1011 Westbury F #1011 0.08mi 1/1.5 738 (+24%) 0mo $65,000 $88 69
2123 Cambridge F 0.08mi 1/1.5 721 (+22%) 0mo $95,000 $132 69
3092 Westbury H #3092 0.15mi 1/1.5 738 (+24%) 0mo $80,000 $108 66
1146 Cambridge G 0.17mi 1/1.5 700 (+18%) 2mo $95,000 $136 63
2144 Cambridge G 0.18mi 1/1.5 700 (+18%) 2mo $139,000 $199 62
29 Richmond D #29 0.61mi 1/1.5 700 (+18%) 1mo $48,500 $69 44
3012 Harwood C #3012 0.70mi 1/1.0 695 (+17%) 1mo $65,000 $94 41
2114 Newport U 0.81mi 1/1.5 738 (+24%) 1mo $115,000 $156 38
112 Oakridge I #112 0.83mi 1/1.5 700 (+18%) 1mo $72,000 $103 38
125 Oakridge J #125 0.81mi 1/1.5 700 (+18%) 1mo $90,000 $129 37
4012 Newport G #4012 0.89mi 1/2.0 738 (+24%) 1mo $95,000 $129 35

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 · 0.1% rent growth · sell at horizon

5-year hold
IRR
-12.9%
Equity multiple
0.56×
Total profit
$-10,512
Equity at exit
$12,674
10-year hold
IRR
-15.6%
Equity multiple
0.34×
Total profit
$-15,771
Equity at exit
$7,349

Cash invested: $23,800 (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.

Active competition Active MLS

For sale now
16 active · 9 under contract
Median asking
$97,000 ($136/sqft)
Median days on market
82 d
This list price
31% of active listings are priced below it
ARV vs active asking
+32.1% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 33442

Rents YoY
0.1%
Active inventory
671
Price-to-rent
4.4×

Monthly cashflow live

Estimated rent
$1,619 high interval (Pro) →
Mortgage (P&I)
$446
Tax est. 1.5%
$106 /mo · $1,275/yr
Insurance
$35
HOA
$574
Vacancy / Maint / Mgmt
$340
Net cashflow
$117

Break-even live

Break-even rent $1,470
Max offer price $85,000
Occupancy floor 88%

Sensitivity live

Price -10% $176 -5% $147 +0% $117 +5% $88 +10% $59
Rent -10% $-11 -5% $53 +0% $117 +5% $181 +10% $245
Rate -1.0pp $160 -0.5pp $139 base $117 +0.5pp $95 +1.0pp $73

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
$21,250
Closing costs
$2,550
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 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
178 Durham E Unit 178 Deerfield Beach, FL 1.0 1.0 593 $1,350 $2.28 52d 1 0.01mi
178 Durham E Unit 178 Deerfield Beach, FL 1.0 1.0 593 $1,350 $2.28 60d 1 0.01mi
98 Westbury E Unit E Deerfield Beach, FL 1.0 1.0 585 $1,600 $2.74 48d 1 0.11mi
102 Westbury E #102 Deerfield Beach, FL 1.0 1.0 585 $1,900 $3.25 57d 1 0.11mi
98 Westbury E #98 Deerfield Beach, FL 1.0 1.0 585 $1,600 $2.74 73d 1 0.11mi
384 Durham Cir Unit 384 Deerfield Beach, FL 1.0 1.0 593 $1,400 $2.36 73d 1 0.12mi
384 Durham Cir Unit 384 Deerfield Beach, FL 1.0 1.0 593 $1,400 $2.36 37d 1 0.12mi
127 Westbury Cir Deerfield Beach, FL 1.0 1.0 585 $1,425 $2.44 73d 1 0.12mi
125 Westbury E Deerfield Beach, FL 1.0 1.0 585 $1,600 $2.74 73d 1 0.13mi
376 Durham L Deerfield Beach, FL 1.0 1.0 593 $1,490 $2.51 4d 1 0.13mi
149 Westbury I #149 Deerfield Beach, FL 1.0 1.0 585 $1,700 $2.91 73d 1 0.17mi
563 Durham T Deerfield Beach, FL 1.0 1.5 703 $1,500 $2.13 17d 1 0.22mi
31 Westbury B #31 Deerfield Beach, FL 1.0 1.0 585 $1,500 $2.56 4d 1 0.23mi
30 Westbury B #30 Deerfield Beach, FL 1.0 1.0 585 $1,600 $2.74 14d 1 0.23mi
3016 Cambridge A Unit A Deerfield Beach, FL 1.0 1.5 700 $1,300 $1.86 32d 1 0.25mi
165 Ellesmere C Deerfield Beach, FL 1.0 1.0 589 $1,400 $2.38 43d 1 0.32mi
54 Upminster C Deerfield Beach, FL 1.0 1.0 593 $1,500 $2.53 17d 1 0.44mi
6 Ventnor a Deerfield Beach, FL 1.0 1.0 600 $1,429 $2.38 73d 1 0.55mi
138 Markham G Deerfield Beach, FL 2.0 1.5 700 $1,600 $2.29 18d 1 0.60mi
308 Markham N Deerfield Beach, FL 1.0 1.5 700 $1,200 $1.71 73d 1 0.61mi
41 Deer Creek Rd Unit G106 Deerfield Beach, FL 1.0 550 $1,850 $3.36 73d 1 0.63mi
58 Tilford C Unit C Deerfield Beach, FL 1.0 1.0 585 $1,400 $2.39 4d 1 0.63mi
111 Tilford F #111 Deerfield Beach, FL 1.0 1.0 585 $1,500 $2.56 54d 1 0.65mi
111 Tilford F #111 Deerfield Beach, FL 1.0 1.0 585 $1,500 $2.56 70d 1 0.65mi
358 Markham P #358 Deerfield Beach, FL 1.0 1.5 700 $1,500 $2.14 39d 1 0.66mi
358 Markham Cres Unit 358 Deerfield Beach, FL 1.0 1.5 700 $1,500 $2.14 73d 1 0.68mi
436 Markham S #436 Deerfield Beach, FL 1.0 1.0 585 $1,400 $2.39 73d 1 0.70mi
340 Oakridge S Unit S Deerfield Beach, FL 1.0 1.0 585 $2,000 $3.42 24d 1 0.70mi
137 Farnham F Deerfield Beach, FL 1.0 1.5 708 $2,000 $2.82 73d 1 0.72mi
137 Farnham F #137 Deerfield Beach, FL 1.0 1.5 700 $2,500 $3.57 73d 1 0.74mi
181 Tilford I Unit I Deerfield Beach, FL 1.0 1.5 700 $1,350 $1.93 73d 1 0.76mi
138 Farnham E Unit 138 Deerfield Beach, FL 1.0 1.0 595 $1,300 $2.18 1d 1 0.77mi
4031 Harwood E Unit 4031 Deerfield Beach, FL 1.0 1.5 738 $1,700 $2.30 48d 1 0.78mi
335 Farnham P Unit P Deerfield Beach, FL 1.0 1.5 700 $1,400 $2.00 43d 1 0.79mi
329 Farnham P #329 Deerfield Beach, FL 1.0 1.5 700 $1,450 $2.07 73d 1 0.79mi
1036 Harwood E Unit 1036 Deerfield Beach, FL 1.0 1.5 738 $1,550 $2.10 2d 1 0.80mi
1036 Harwood E Unit 1036 Deerfield Beach, FL 1.0 1.5 745 $1,750 $2.35 27d 1 0.80mi
111 Oakridge I #111 Deerfield Beach, FL 1.0 1.5 706 $1,595 $2.26 73d 1 0.84mi
306 Newport T #306 Deerfield Beach, FL 1.0 1.0 585 $1,350 $2.31 73d 1 0.85mi
27 Newport B Deerfield Beach, FL 1.0 1.5 700 $1,550 $2.21 71d 1 0.85mi

Property features AI

Finance

Other
Association fee listed as monthly
Financial info
Pets not allowed or subject to restrictions
HOA & community
Monthly association feeAssociation fee covers common areas, cable TV, laundry, pest control, recreation facilities, trash and waterCommunity amenities include a clubhouse and on-site laundrySenior community

Exterior

Parking
Assigned open parking (1 space)1 covered garage space
Security
Fenced complex
Utilities
Water included in associationTrash included in associationCable TV included in associationPest control included in association
Home design
Attached property2 storiesEffective year built
Construction
Block construction
Exterior features
Enclosed porchPorch with screened areaComplex is fencedProperty has a viewEntry at level 1

Interior

Kitchen
Electric rangeRefrigerator
Bedrooms
Bedroom located on the main level
Flooring
Laminate flooring
Bathrooms
1 full bathroom
Heating & cooling
Wall furnace heatingWall/window air conditioning units
Interior features
Partially furnishedFirst-floor entryBedroom on main levelCombined living/dining roomTub with shower
Laundry & utility
Laundry in common area

HOA detail $574/mo · $6,888/yr condo

Likely covers
watercablepool
⚠ Special-assessment mentions

…right in front of the unit. Basic cable tv, and water are included in the low monthly maintenance fee, there is no special assessment in place, roof was replaced two years ago. Durham F is a non-rental building.

Listing history 44 events

  1. 2026-08-08
    days on market $85,000 Active 60 DOM
  2. 2026-08-06
    days on market $85,000 Active 58 DOM
  3. 2026-08-05
    days on market $85,000 Active 57 DOM
  4. 2026-08-03
    days on market $85,000 Active 55 DOM
  5. 2026-07-31
    days on market $85,000 Active 52 DOM
  6. 2026-07-28
    days on market $85,000 Active 49 DOM
  7. 2026-07-26
    days on market $85,000 Active 47 DOM
  8. 2026-07-24
    days on market $85,000 Active 45 DOM
  9. 2026-07-23
    days on market $85,000 Active 44 DOM
  10. 2026-07-22
    days on market $85,000 Active 43 DOM
  11. 2026-07-21
    days on market $85,000 Active 42 DOM
  12. 2026-07-20
    days on market $85,000 Active 41 DOM
  13. 2026-07-18
    days on market $85,000 Active 38 DOM
  14. 2026-07-16
    days on market $85,000 Active 37 DOM
  15. 2026-07-15
    days on market $85,000 Active 36 DOM
  16. 2026-07-14
    days on market $85,000 Active 35 DOM
  17. 2026-07-13
    days on market $85,000 Active 34 DOM
  18. 2026-07-13
    days on market $85,000 Active 33 DOM
  19. 2026-07-11
    days on market $85,000 Active 32 DOM
  20. 2026-07-10
    days on market $85,000 Active 31 DOM
  21. 2026-07-09
    days on market $85,000 Active 30 DOM
  22. 2026-07-07
    days on market $85,000 Active 28 DOM
  23. 2026-07-06
    days on market $85,000 Active 27 DOM
  24. 2026-07-06
    days on market $85,000 Active 26 DOM
  25. 2026-07-05
    days on market $85,000 Active 25 DOM
  26. 2026-07-03
    days on market $85,000 Active 24 DOM
  27. 2026-07-02
    days on market $85,000 Active 23 DOM
  28. 2026-07-01
    days on market $85,000 Active 22 DOM
  29. 2026-06-30
    days on market $85,000 Active 21 DOM
  30. 2026-06-29
    days on market $85,000 Active 20 DOM
  31. 2026-06-28
    days on market $85,000 Active 19 DOM
  32. 2026-06-27
    days on market $85,000 Active 18 DOM
  33. 2026-06-26
    days on market $85,000 Active 17 DOM
  34. 2026-06-24
    days on market $85,000 Active 15 DOM
  35. 2026-06-22
    days on market $85,000 Active 13 DOM
  36. 2026-06-21
    days on market $85,000 Active 12 DOM
  37. 2026-06-18
    remarks 488-char remark
  38. 2026-06-18
    days on market $85,000 Active 9 DOM
  39. 2026-06-17
    days on market $85,000 Active 8 DOM
  40. 2026-06-16
    days on market $85,000 Active 7 DOM
  41. 2026-06-15
    days on market $85,000 Active 6 DOM
  42. 2026-06-13
    days on market $85,000 Active 4 DOM
  43. 2026-06-10
    remarks 414-char remark
  44. 2026-06-10
    listed $85,000 Active 1 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$19,424
− Mortgage interest
−$4,761
− Property taxes
−$1,275
− Insurance
−$425
− Repairs & maintenance
−$1,554
− Management
−$1,554
− HOA
−$6,888
− Depreciation
−$2,473
Taxable income
$494
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$119
After-tax cash flow
$1,290/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 · 1 photo

Average 55/100 Cosmetic rehab Est. rehab $2,965–$8,895 screening

This 1-bedroom, 1-bathroom condo is in average condition with minor repairs needed in the kitchen and bathroom. A fresh coat of paint and updated fixtures would significantly enhance its resale and rental value.

Repairs flagged

  • Minor kitchen cabinets — Aesthetic update needed.
  • Minor bathroom fixtures — Update needed for functionality and appearance.
  • Minor paint — Touch-up paint to freshen up the interior walls.

Value-add opportunities

  • Both Paint interior walls — Fresh paint enhances the home's appearance and value.
  • Both Replace kitchen cabinets — Modern cabinets improve the home's appeal and functionality.
  • Both Update bathroom fixtures — New fixtures enhance the bathroom's functionality and appearance.

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 40/100

Zoned Schools

Elementary Quiet Waters Elementary School F FL #1,330/2,144 Nat'l #17,190/41,679 Middle Lyons Creek Middle School C FL #237/571 Nat'l #3,276/14,009 High Deerfield Beach High School F FL #505/667 Nat'l #12,478/17,239

Schools (NCES district)

District
Broward
NCES district ID
1200180
Math proficiency
42% ▼ -18.00%
Reading proficiency
53% ▼ -5.00%
Median HH income
$52,139
Composite
40.88/100
National rank
#3621
State rank
#46 of 73 in FL
B Composite livability gradescore 75/100

Livability — Deerfield Beach

Score
75/100
State rank
#250
US rank
#3970

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Deerfield Beach, FL
County
Broward County · 2,207,033 people
City population
61,449
Metro
Miami-Fort Lauderdale-Pompano Beach, FL
Population (ZIP)
31,296
Household income
$53,254
Rent vs Own
30.3% rent · 69.7% own
Severe rent burden
26% of renters

Population outlook (Broward County) Hauer SSP2

Today (2025)
2,207,033 people
By 2030
2,360,704 · +7.0%
By 2040
2,661,208 · +20.6%
By 2050
2,946,698 · +33.5%
By 2075
3,602,273 · +63.2%
By 2100
3,970,984 · +79.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.61)
Race & ethnicity
White 57% Hispanic / Latino 23% Two or more races 19% Black 10% Asian 2%
Hispanic origin (detail)
Mexican 1% Puerto Rican 4% Cuban 3%
Common ancestry
Estonian 7% Romanian 4% Hispanic 3%
Foreign-born
34% · Canada, Jamaica, Dominican Republic
Languages at home
59% English-only · Spanish 20% Other Indo-European 13% French/Haitian/Cajun 4%

Political lean MEDSL · Broward

2024 margin
D (+17.0) · D 58.0% · R 41.0%
2008→2024 swing
-17.8pp toward R · 2008: 34.7pp · 2024: 17.0pp
All cycles
2024: D+17.0 2020: D+29.8 2016: D+35.0 2012: D+34.9 2008: D+34.7

Not yet ingested

Civics

Price history

1 event — show timeline
  • 2026-06-09 Listed $85,000 MARMLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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