3563 S Saint Lucie Dr · Winter Springs, FL 32707

$335,000

3 bd · 2.5 ba · 1,591 sqft · SingleFamily public records · 9 Days on market

Built 1987 4,725 sqft lot Est $404k · 17% under $36/mo HOA · 1% 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 +15.0/15.0
• Cash flow +12.0/30.0
• Schools +5.1/10.0
• Livability +3.8/5.0
• DSCR +3.5/10.0
• Rent growth +3.0/5.0
• 1% rule +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Opportunity in Casselberry! COZY TWO STORY POOL HOME 3/2.5 with 2 car garage; screened enclosed cool deck and fully fenced backyard. Enjoy Family room with wood burning fireplace, overlooking pool. This home features volume ceilings, Mstr bedrm downstairs, formal dining room, hardwood flr fam rm, carpet all bedrooms and ceramics throughout. This property has been re-plumbed, newer roof, A/C less than 8 years old. All appliances stay, including washer and dryer. A+ Schools, close to Red Bug Park! Fabulous neighborhood; close to amenities, shopping, entertainment Red Bug Lake Park and all major roads.

Key facts

• Screened pool
• Covered front entry
• 4,725 sq ft lot

Tags

• COVERED FRONT ENTRY
• WOOD BURNING FIREPLACE
• SCREENED POOL
• FULLY FENCED BACKYARD
• UPDATED HALF BATHROOM
• GRANITE COUNTERTOP VANITY

Property features AI

Finance

• Other: Homestead exempt; No CDD
• HOA & community: Has HOA (monthly fee $36.25; annual fee $435) — vehicle restrictions apply; Community sidewalks; Pets allowed

Exterior

• Parking: Attached 2-car garage with 22x19 dimensions and garage door opener
• Utilities: Public water; Public sewer; Electricity connected; Broadband/high-speed internet available; Water and sewer connected
• Home design: Single family residence (PUD); Two levels; North-facing
• Construction: Built with block, brick, stucco, frame and wood siding; Shingle roof; Slab foundation
• Exterior features: Covered rear porch; Screened porch; Sliding doors; Rain gutters; Sidewalks; Vinyl and wood fencing; In-ground private pool with screen enclosure and vinyl surface

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Laminate; Tile
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Blinds on windows; Living room wood-burning fireplace
• Laundry & utility: Laundry closet on upper level

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath single-family listed at $335k.

Deal economics

• At list price, monthly cash flow is $-82 ($-980/yr) — negative.
• To cash-flow at today's rent, offer at most $321k (4.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $253k (24.5% below list).
• Recommended offer: $253k (24.5% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 3.6% in Winter Springs — 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 (#261 in FL, #4,187 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, health & safety A+; Watch: amenities F, commute F.
• Seminole (suburban): math 57% / reading 61% proficiency, ranked #13 of 73 in FL (top 18%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Red Bug Elementary School (math 65% / reading 68%, grade B+, #473 of 2,144 statewide, top 23%, 782 students, 50% FRL); Lake Howell High School (math 36% / reading 49%, grade F, #264 of 667 statewide, top 41%, 2,205 students, 51% FRL).
• Market conditions: Rents rising (+2.1%/yr); 186 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 1,979 units permitted in Seminole County in 2024 (1,191 in 5+ unit buildings).
• This rent runs 44% of the median local income ($69k/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 $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Seminole County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 6 sale attempts since 13y 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 $175k; list at $335k implies a 91% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $252,976 (24.5% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.76% ✗
• Cap rate: 6.00%
• Cash-on-cash: -1.05%
• DSCR: 0.95
• GRM: 11.0

CMA / ARV

• ARV (on-the-fly): $404,114
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
887 Reedy Cv	0.06mi	3/2.5	1,591 (0%)	8mo	$385,000	$242	91
3799 Sutters Mill Cir	0.32mi	4/2.0 (+1)	1,683 (+6%)	4mo	$394,000	$234	66
3605 S Saint Lucie Dr	0.06mi	2/2.0 (-1)	1,431 (-10%)	10mo	$326,400	$228	65
3742 Sutters Mill Cir	0.50mi	3/2.0	1,528 (-4%)	6mo	$465,000	$304	64
632 Kissimmee Pl	0.37mi	3/2.0	1,734 (+9%)	10mo	$431,000	$249	58
904 Wesson Dr	0.70mi	3/2.0	1,609 (+1%)	8mo	$430,000	$267	56
427 Hornbill Pl	0.40mi	4/2.5 (+1)	1,778 (+12%)	2mo	$490,000	$276	55
1057 Nodding Pines Way	0.46mi	3/2.0	1,775 (+12%)	5mo	$450,000	$254	53
1073 Nodding Pines Way	0.53mi	2/2.0 (-1)	1,784 (+12%)	0mo	$370,000	$207	48
640 Tuskawilla Point Ln	0.63mi	3/2.0	1,794 (+13%)	4mo	$505,000	$281	44
3552 Jericho Dr	0.74mi	3/2.0	1,754 (+10%)	7mo	$475,000	$271	41
2905 Amroth Pl	0.72mi	4/2.0 (+1)	1,786 (+12%)	10mo	$425,000	$238	31

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 · 2.09% rent growth · sell at horizon

5-year hold

• IRR: -19.0%
• Equity multiple: 0.34×
• Total profit: $-61,889
• Equity at exit: $49,950

10-year hold

• IRR: -13.4%
• Equity multiple: 0.25×
• Total profit: $-70,272
• Equity at exit: $28,965

Cash invested: $93,800 (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.

Methodology + full state rankings →

ZIP-level market 32707

• Rents YoY: 2.1%
• Active inventory: 186
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $2,530 high
• Mortgage (P&I): −$1,757
• Tax from tax record: −$148 /mo · $1,774/yr
• Insurance: −$140
• HOA: −$36
• Vacancy / Maint / Mgmt: −$531
• Net cashflow: $-82

Break-even live

Break-even rent $2,633

Max offer price $320,569

Occupancy floor 98%

Sensitivity live

Price	-10% $108	-5% $13	+0% $-82	+5% $-177	+10% $-271
Rent	-10% $-282	-5% $-182	+0% $-82	+5% $18	+10% $118
Rate	-1.0pp $87	-0.5pp $4	base $-82	+0.5pp $-168	+1.0pp $-257

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: $83,750
• Closing costs: $10,050
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3747 Okeechobee Cir Casselberry, FL	3.0	2.5	1591	$2,600	$1.63	24d	1	0.13mi
780 Ortona Ct Winter Springs, FL	4.0	2.0	1966	$2,700	$1.37	5d	1	0.41mi
990 English Town Ln Winter Springs, FL	1.0–3.0	1.0–2.0	990	$2,559	$2.58	2d	15	0.41mi
541 Moccasin Ct Casselberry, FL	2.0	2.0	1208	$2,095	$1.73	24d	1	0.42mi
1020 Chatham Pines Cir Winter Springs, FL	1.0–3.0	1.0–2.0	865	$2,121	$2.45	2d	12	0.49mi
1542 Sugarwood Cir Winter Park, FL	4.0	3.0	2130	$3,900	$1.83	24d	1	0.81mi
1843 Shadyhill Ter Winter Park, FL	4.0	2.5	1891	$3,300	$1.75	24d	1	1.25mi
1239 La Mesa Ave Winter Springs, FL	3.0	2.0	1255	$2,079	$1.66	3d	1	1.28mi
1448 La Paloma Cir Winter Springs, FL	3.0	2.0	1407	$2,120	$1.51	20d	1	1.29mi
986 Rollingwood Loop Casselberry, FL	2.0	1.0–2.0	669	$1,880	$2.81	24d	15	1.40mi
2982 Embassy Ct Casselberry, FL	2.0	2.5	1238	$1,895	$1.53	2d	1	1.43mi
2982 Embassy Ct Casselberry, FL	2.0	2.5	1238	$1,895	$1.53	18d	1	1.43mi
1340 Paradise Ln Winter Park, FL	3.0	2.0	1200	$2,400	$2.00	18d	1	1.44mi

HOA detail

• Monthly dues: $36 · $432/yr
• Likely covers: pool

Listing history 18 events

1. 2026-05-23
   status Pending
2. 2026-05-14
   listed $335,000 Active
3. 2025-06-30
   historical
4. 2025-06-08
   price $335,000
5. 2025-03-01
   status Active
6. 2025-02-21
   status Pending
7. 2025-02-14
   price $345,000
8. 2025-01-15
   price $355,000
9. 2024-12-13
   listed $365,000 Active
10. 2014-07-25
    soldstatus $175,000
11. 2014-07-23
    soldstatus $175,000 Sold 607-char remark

    Show marketing remark (607 chars)

    Opportunity in Casselberry! COZY TWO STORY POOL HOME 3/2.5 with 2 car garage; screened enclosed cool deck and fully fenced backyard. Enjoy Family room with wood burning fireplace, overlooking pool. This home features volume ceilings, Mstr bedrm downstairs, formal dining room, hardwood flr fam rm, carpet all bedrooms and ceramics throughout. This property has been re-plumbed, newer roof, A/C less than 8 years old. All appliances stay, including washer and dryer. A+ Schools, close to Red Bug Park! Fabulous neighborhood; close to amenities, shopping, entertainment Red Bug Lake Park and all major roads.

12. 2014-06-17
    status Pending 607-char remark

    Show marketing remark (607 chars)

    Opportunity in Casselberry! COZY TWO STORY POOL HOME 3/2.5 with 2 car garage; screened enclosed cool deck and fully fenced backyard. Enjoy Family room with wood burning fireplace, overlooking pool. This home features volume ceilings, Mstr bedrm downstairs, formal dining room, hardwood flr fam rm, carpet all bedrooms and ceramics throughout. This property has been re-plumbed, newer roof, A/C less than 8 years old. All appliances stay, including washer and dryer. A+ Schools, close to Red Bug Park! Fabulous neighborhood; close to amenities, shopping, entertainment Red Bug Lake Park and all major roads.

13. 2014-06-14
    status Active 607-char remark

    Show marketing remark (607 chars)

    Opportunity in Casselberry! COZY TWO STORY POOL HOME 3/2.5 with 2 car garage; screened enclosed cool deck and fully fenced backyard. Enjoy Family room with wood burning fireplace, overlooking pool. This home features volume ceilings, Mstr bedrm downstairs, formal dining room, hardwood flr fam rm, carpet all bedrooms and ceramics throughout. This property has been re-plumbed, newer roof, A/C less than 8 years old. All appliances stay, including washer and dryer. A+ Schools, close to Red Bug Park! Fabulous neighborhood; close to amenities, shopping, entertainment Red Bug Lake Park and all major roads.

14. 2014-06-10
    historical 607-char remark

    Show marketing remark (607 chars)

    Opportunity in Casselberry! COZY TWO STORY POOL HOME 3/2.5 with 2 car garage; screened enclosed cool deck and fully fenced backyard. Enjoy Family room with wood burning fireplace, overlooking pool. This home features volume ceilings, Mstr bedrm downstairs, formal dining room, hardwood flr fam rm, carpet all bedrooms and ceramics throughout. This property has been re-plumbed, newer roof, A/C less than 8 years old. All appliances stay, including washer and dryer. A+ Schools, close to Red Bug Park! Fabulous neighborhood; close to amenities, shopping, entertainment Red Bug Lake Park and all major roads.

15. 2014-04-24
    listed $185,000 Active 607-char remark

    Show marketing remark (607 chars)

    Opportunity in Casselberry! COZY TWO STORY POOL HOME 3/2.5 with 2 car garage; screened enclosed cool deck and fully fenced backyard. Enjoy Family room with wood burning fireplace, overlooking pool. This home features volume ceilings, Mstr bedrm downstairs, formal dining room, hardwood flr fam rm, carpet all bedrooms and ceramics throughout. This property has been re-plumbed, newer roof, A/C less than 8 years old. All appliances stay, including washer and dryer. A+ Schools, close to Red Bug Park! Fabulous neighborhood; close to amenities, shopping, entertainment Red Bug Lake Park and all major roads.

16. 2013-09-20
    historical
17. 2013-07-16
    listed $185,000
18. 1994-05-18
    soldstatus $98,500

ⓘ 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: $1,774 · $148/mo
• Projected year-2 tax: $2,780 · $232/mo
• Expected delta: +$1,006/yr (+$84/mo · 56.7%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,357
• − Mortgage interest: −$18,765
• − Property taxes: −$1,774
• − Insurance: −$1,675
• − Repairs & maintenance: −$2,429
• − Management: −$2,429
• − HOA: −$432
• − Depreciation: −$9,745
• Taxable loss: −$6,892
• Est. tax savings @ 24.0%: +$1,654
• After-tax cash flow: $674/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: Seminole
• NCES district ID: 1201710
• Math proficiency: 57% ▼ -7.00%
• Reading proficiency: 61% ▼ -1.00%
• Median HH income: $58,478
• Composite: 51.05/100
• National rank: #1769
• State rank: #13 of 73 in FL

Livability — Winter Springs

• Score: 75/100
• State rank: #261
• US rank: #4187

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Seminole County · 436,154 people
• City population: 48,965
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 39,493
• Household income: $69,113
• Rent vs Own: 34.2% rent · 65.8% own
• Severe rent burden: 1482.0

Population outlook (Seminole County) Hauer SSP2

• Today (2025): 515,494 people
• By 2030: 545,713 · +5.9%
• By 2040: 598,068 · +16.0%
• By 2050: 640,663 · +24.3%
• By 2075: 724,461 · +40.5%
• By 2100: 755,530 · +46.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.61)
• Race & ethnicity: White 56% Hispanic / Latino 27% Two or more races 14% Black 10% Asian 4%
• Hispanic origin (detail): Mexican 3% Puerto Rican 12% Cuban 4% Dominican 2%
• Common ancestry: Hispanic 3% Romanian 2% Lithuanian 2%
• Foreign-born: 15% · Canada, Jamaica, China
• Languages at home: 76% English-only · Spanish 18% French/Haitian/Cajun 2% Other Indo-European 1%

Political lean MEDSL · Seminole

• 2024 margin: Toss-up / Even · D 47.6% · R 51.1% · Other 1.3%
• 2008→2024 swing: -0.8pp no change · 2008: -2.8pp · 2024: -3.5pp
• All cycles: 2024: R+3.5 2020: D+2.8 2016: R+1.6 2012: R+6.5 2008: R+2.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -251.90%
• Current HPI: 342.1006
• Rent YoY: ▲ 2.09%
• Metro: Orlando-Kissimmee-Sanford, 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

+240.1% since first listed

18 events — show timeline

• 2026-05-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-14 Listed $335,000 Stellar MLS as Distributed by MLS Grid
• 2025-06-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-06-08 Price Changed $335,000 Stellar MLS as Distributed by MLS Grid
• 2025-03-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-02-21 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-02-14 Price Changed $345,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-15 Price Changed $355,000 Stellar MLS as Distributed by MLS Grid
• 2024-12-13 Listed $365,000 Stellar MLS as Distributed by MLS Grid
• 2014-07-25 Sold (Public Records) $175,000 Public Records
• 2014-07-23 Sold (MLS) $175,000 Stellar MLS as Distributed by MLS Grid
• 2014-06-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2014-06-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-04-24 Listed $185,000 Stellar MLS as Distributed by MLS Grid
• 2013-09-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2013-07-16 Listed $185,000 Stellar MLS as Distributed by MLS Grid
• 1994-05-18 Sold (Public Records) $98,500 Public Records

Property tax history

+3.5%/yr

Latest (2025): $1,774 · -11.1% YoY. Source: county tax records.