3361 SW Port St Lucie St · Port St. Lucie, FL 34953

$429,000

4 bd · 2.0 ba · 2,020 sqft · Land · 34 Days on market

Built 2026 10,000 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 +12.2/30.0
• ARV discount +7.5/15.0
• Schools +3.7/10.0
• DSCR +3.6/10.0
• Rent growth +2.6/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great Location! Build your home on this . 23 acre lot. Centrally located near shopping and dining. Easy access to turnpike.

Key facts

• 0.23 acre lot
• 2 garage spots
• Built 2026

Property features AI

Exterior

• Parking: Attached 2-car garage; 2 covered parking spaces
• Utilities: Septic tank; Three-phase electric service; Cable available; Other water source
• Home design: Single-family residence; One story; New construction; Faces east; Built by D.R. Horton
• Construction: Stucco and CBS construction; Composition/shingle roof
• Exterior features: Covered patio; Patio

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator; Garbage disposal
• Bedrooms: 4 bedrooms on the main level
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric heating; Central electric air conditioning
• Interior features: Entrance foyer; Kitchen island; Walk-in closets; Split bedroom layout; Blinds on windows
• Laundry & utility: Indoor laundry; Electric water heater

🏗️ New construction. Builder plan / spec listing (the home may be to-be-built); metrics use comparable previous sales.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $429k.

Deal economics

• At list price, monthly cash flow is $-84 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $414k (3.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $313k (27.1% below list).
• Recommended offer: $313k (27.1% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 3.9% in Port St. Lucie — 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: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• 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: Rents flat; 768 active listings in the ZIP; 39 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; 4,868 units permitted in St. Lucie County in 2024 (268 in 5+ unit buildings).
• This rent runs 44% 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 $3k of loan paydown is wiped out by about $13k 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 34 days — a 3% lower offer ($416k) is reasonable based on typical stale-listing flexibility.
• 6 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 $106k; list at $429k implies a 305% gain — meaningful room to come down on a strong offer.

Recommended offer $312,553 (27.1% 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 34 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.73% ✗
• Cap rate: 6.06%
• Cash-on-cash: -0.84%
• DSCR: 0.96
• GRM: 11.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.22% rent growth · sell at horizon

5-year hold

• IRR: -20.5%
• Equity multiple: 0.30×
• Total profit: $-83,593
• Equity at exit: $63,965

10-year hold

• IRR: -20.1%
• Equity multiple: 0.05×
• Total profit: $-113,552
• Equity at exit: $37,092

Cash invested: $120,120 (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 34953

• Home prices YoY: -10.1%
• Rents YoY: 0.2%
• Active inventory: 768
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $3,126 high
• Mortgage (P&I): −$2,250
• Tax from tax record: −$125 /mo · $1,499/yr
• Insurance: −$179
• HOA: −$0
• Vacancy / Maint / Mgmt: −$656
• Net cashflow: $-84

Break-even live

Break-even rent $3,232

Max offer price $414,120

Occupancy floor 98%

Sensitivity live

Price	-10% $159	-5% $37	+0% $-84	+5% $-206	+10% $-327
Rent	-10% $-331	-5% $-208	+0% $-84	+5% $39	+10% $163
Rate	-1.0pp $132	-0.5pp $25	base $-84	+0.5pp $-195	+1.0pp $-308

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: $107,250
• Closing costs: $12,870
• Reserves months: —
• Total cash needed: —

Rent comps 39 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1037 SW Payne Ave Port Saint Lucie, FL	4.0	2.0	1867	$3,200	$1.71	25d	1	0.43mi
1025 SW Majorca Ave Port Saint Lucie, FL	3.0	2.0	1480	$3,300	$2.23	25d	1	0.57mi
3542 SW Viceroy St Port Saint Lucie, FL	4.0	2.0	1833	$2,380	$1.30	15d	1	0.60mi
3542 SW Viceroy St Port Saint Lucie, FL	4.0	2.0	1833	$2,536	$1.38	23d	1	0.60mi
1217 SW Marmore Ave Port Saint Lucie, FL	3.0	2.0	1580	$3,700	$2.34	25d	1	0.64mi
1092 SW Majorca Ave Port Saint Lucie, FL	4.0	2.5	2588	$3,000	$1.16	25d	1	0.68mi
3226 SW Nutley St Port Saint Lucie, FL	3.0	2.0	1552	$2,900	$1.87	25d	1	0.83mi
1355 SW Porter Rd Port Saint Lucie, FL	5.0	3.0	2692	$3,100	$1.15	23d	1	0.86mi
985 SW Eureka Ave Port Saint Lucie, FL	5.0	2.0	1986	$3,500	$1.76	25d	1	0.88mi
997 SW Eureka Ave Port Saint Lucie, FL	3.0	2.0	1986	$2,600	$1.31	25d	1	0.88mi
426 SW Eastport Cir Port Saint Lucie, FL	4.0	3.0	1512	$2,810	$1.86	15d	1	0.88mi
1086 SW Eureka Ave Port Saint Lucie, FL	3.0	2.0	1508	$2,600	$1.72	15d	1	0.92mi
1298 SW Crost Ave Port Saint Lucie, FL	4.0	2.0	1833	$2,566	$1.40	15d	1	0.94mi
992 SW College Park Rd Port Saint Lucie, FL	4.0	3.0	2078	$2,700	$1.30	25d	1	0.98mi
449 SW Fifer Ave Port Saint Lucie, FL	3.0	2.0	1435	$2,500	$1.74	15d	1	1.01mi
350 SW Belmont Cir Port Saint Lucie, FL	3.0	2.0	1761	$1,700	$0.97	25d	1	1.03mi
529 SW Baoy Ave Port Saint Lucie, FL	4.0	2.0	1908	$2,450	$1.28	15d	1	1.07mi
2992 SW Lucerne St Port Saint Lucie, FL	3.0	2.0	1734	$2,500	$1.44	25d	1	1.12mi
3014 SW Segovia St Port Saint Lucie, FL	3.0	2.0	2102	$2,700	$1.28	15d	1	1.14mi
3773 SW Swope St Port Saint Lucie, FL	4.0	2.0	1915	$2,600	$1.36	23d	1	1.22mi
312 SW Buzby Ct Port Saint Lucie, FL	5.0	3.0	2665	$3,500	$1.31	25d	1	1.24mi
518 SW Aster Rd Port Saint Lucie, FL	4.0	2.0	1773	$3,450	$1.95	25d	1	1.24mi
3158 SW Martin St Port Saint Lucie, FL	3.0	2.0	1878	$4,800	$2.56	25d	1	1.24mi
1454 SW Medina Ave Port Saint Lucie, FL	3.0	2.0	1558	$2,395	$1.54	15d	1	1.24mi
2957 SW Collings Dr Port Saint Lucie, FL	3.0	2.0	2042	$3,000	$1.47	25d	1	1.26mi
1538 SW Neptune Ave Port Saint Lucie, FL	3.0	2.0	2052	$2,650	$1.29	15d	1	1.27mi
481 SW Aster Rd Port Saint Lucie, FL	3.0	2.0	1499	$3,000	$2.00	25d	1	1.31mi
3450 SW Martin St Port Saint Lucie, FL	4.0	2.0	1930	$3,800	$1.97	25d	1	1.33mi
3183 SW Ann Arbor Rd Port Saint Lucie, FL	3.0	2.0	1990	$3,500	$1.76	25d	1	1.36mi
242 SW Amesbury Ave Port Saint Lucie, FL	3.0	2.0	2012	$2,600	$1.29	25d	1	1.37mi
3681 SW Haines St Port Saint Lucie, FL	3.0	2.0	1542	$2,700	$1.75	15d	1	1.39mi
3681 SW Haines St Port Saint Lucie, FL	3.0	2.0	1542	$2,300	$1.49	23d	1	1.39mi
3273 SW Rosser Blvd Port Saint Lucie, FL	4.0	2.0	1787	$2,600	$1.45	15d	1	1.44mi
1691 SW Crawford Ave Port Saint Lucie, FL	4.0	3.0	2339	$3,500	$1.50	25d	1	1.45mi
2617 SW Chestnut Ln Port Saint Lucie, FL	3.0	2.0	1457	$2,675	$1.84	25d	1	1.49mi
2617 SW Chestnut Ln Port Saint Lucie, FL	3.0	2.0	2052	$2,675	$1.30	15d	1	1.49mi
526 SW Dahled Ave Port Saint Lucie, FL	4.0	2.0	2141	$3,050	$1.42	15d	1	1.49mi
526 SW Dahled Ave Port Saint Lucie, FL	4.0	2.0	2138	$3,226	$1.51	23d	1	1.49mi
1326 SW Bartell Ave Port Saint Lucie, FL	3.0	2.0	2370	$3,000	$1.27	25d	1	1.50mi

Listing history 36 events

1. 2026-06-21
   days on market $429,000 Active 34 DOM
2. 2026-06-18
   days on market $429,000 Active 31 DOM
3. 2026-06-17
   days on market $429,000 Active 30 DOM
4. 2026-06-16
   days on market $429,000 Active 29 DOM
5. 2026-06-15
   days on market $429,000 Active 28 DOM
6. 2026-06-14
   days on market $429,000 Active 26 DOM
7. 2026-06-13
   days on market $429,000 Active 25 DOM
8. 2026-06-10
   days on market $429,000 Active 23 DOM
9. 2026-06-09
   days on market $429,000 Active 22 DOM
10. 2026-06-08
    days on market $429,000 Active 21 DOM
11. 2026-06-07
    days on market $429,000 Active 20 DOM
12. 2026-06-05
    days on market $429,000 Active 17 DOM
13. 2026-06-03
    days on market $429,000 Active 16 DOM
14. 2026-06-02
    days on market $429,000 Active 15 DOM
15. 2026-06-01
    days on market $429,000 Active 14 DOM
16. 2026-05-31
    days on market $429,000 Active 13 DOM
17. 2026-05-30
    days on market $429,000 Active 12 DOM
18. 2026-05-19
    price $429,000
19. 2026-05-18
    listed $442,335 Active
20. 2025-10-10
    soldstatus $106,000
21. 2025-10-09
    soldstatus $106,000 Closed 123-char remark

    Show marketing remark (123 chars)

    Great Location! Build your home on this . 23 acre lot. Centrally located near shopping and dining. Easy access to turnpike.

22. 2025-06-01
    price $132,000 123-char remark

    Show marketing remark (123 chars)

    Great Location! Build your home on this . 23 acre lot. Centrally located near shopping and dining. Easy access to turnpike.

23. 2025-05-21
    price $145,000 123-char remark

    Show marketing remark (123 chars)

    Great Location! Build your home on this . 23 acre lot. Centrally located near shopping and dining. Easy access to turnpike.

24. 2025-05-02
    price $165,000 123-char remark

    Show marketing remark (123 chars)

    Great Location! Build your home on this . 23 acre lot. Centrally located near shopping and dining. Easy access to turnpike.

25. 2025-04-07
    listed $175,000 Active 123-char remark

    Show marketing remark (123 chars)

    Great Location! Build your home on this . 23 acre lot. Centrally located near shopping and dining. Easy access to turnpike.

26. 2023-11-03
    historical
27. 2023-09-22
    listed $125,000 Active
28. 2023-08-16
    historical
29. 2023-05-22
    listed $123,000 Active
30. 2020-08-14
    soldstatus $31,000
31. 2020-08-07
    soldstatus $31,000 Closed
32. 2020-07-14
    historical Contingent
33. 2019-12-17
    price $35,000
34. 2019-08-06
    listed $40,000 Active
35. 2019-08-01
    historical
36. 2019-06-25
    listed $40,000 Active

ⓘ 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: $1,499 · $125/mo
• Projected year-2 tax: $3,561 · $297/mo
• Expected delta: +$2,062/yr (+$172/mo · 137.5%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $37,506
• − Mortgage interest: −$24,031
• − Property taxes: −$1,499
• − Insurance: −$2,145
• − Repairs & maintenance: −$3,001
• − Management: −$3,001
• − Depreciation: −$12,480
• Taxable loss: −$8,649
• Est. tax savings @ 24.0%: +$2,076
• After-tax cash flow: $1,065/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. 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 — Port St. Lucie

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

Census & demographics

• Census place: Port St. Lucie, FL
• County: Saint Lucie County · 337,150 people
• City population: 221,051
• Metro: Port St. Lucie, FL
• Population (ZIP): 86,875
• Household income: $85,667
• Rent vs Own: 13.1% rent · 86.9% own
• Severe rent burden: 857.0

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: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 42% Hispanic / Latino 28% Black 23% Two or more races 15% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 8% Cuban 4% Dominican 3%
• Common ancestry: Hispanic 4% Romanian 2% Estonian 2%
• Foreign-born: 24% · Canada, Jamaica, China
• Languages at home: 69% English-only · Spanish 19% French/Haitian/Cajun 6% Other Indo-European 3%

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: ▼ -44.19%
• Current HPI: 392.7681
• Rent YoY: ▲ 0.22%
• 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

+972.5% since first listed

19 events — show timeline

• 2026-05-19 Price Changed $429,000 Beaches MLS
• 2026-05-18 Listed $442,335 Beaches MLS
• 2025-10-10 Sold (Public Records) $106,000 Public Records
• 2025-10-09 Sold (MLS) $106,000 Beaches MLS
• 2025-06-01 Price Changed $132,000 Beaches MLS
• 2025-05-21 Price Changed $145,000 Beaches MLS
• 2025-05-02 Price Changed $165,000 Beaches MLS
• 2025-04-07 Listed $175,000 Beaches MLS
• 2023-11-03 Listing Removed — Beaches MLS
• 2023-09-22 Listed $125,000 Beaches MLS
• 2023-08-16 Listing Removed — Beaches MLS
• 2023-05-22 Listed $123,000 Beaches MLS
• 2020-08-14 Sold (Public Records) $31,000 Public Records
• 2020-08-07 Sold (MLS) $31,000 Beaches MLS
• 2020-07-14 Contingent — Beaches MLS
• 2019-12-17 Price Changed $35,000 Beaches MLS
• 2019-08-06 Listed $40,000 Beaches MLS
• 2019-08-01 Listing Removed — MCRTC
• 2019-06-25 Listed $40,000 MCRTC

Property tax history

+9.8%/yr

Latest (2025): $1,499 · +14.8% YoY. Source: county tax records.