Score
0Palm City, FL
10548 SW Lands End Place
975K
3 beds
4 baths
3,460 sqft
3 bd • 4 ba • 3,460 sf
This analysis was generated on 2/16/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.
AI Property Analysis
0:000:00 / 0:00
List Price
$975,000
Price/Sq.Ft
$282
Year Built
2004
AI Property Analysis
A comprehensive evaluation of this property's features, market position, and investment potential.
The Good
• Prime Location: Situated on a 1/2-acre lot in a cul-de-sac within the prestigious Cobblestone Country Club, offering privacy and exclusivity. Comparable lots in the area average around 0.3 acres, making this property stand out.
• High-End Features: The home boasts numerous high-end features, including a heated saltwater pool, a fully equipped summer kitchen, a separate mother-in-law suite, Saturnia flooring, custom cabinets, and a spa-inspired ensuite bath. Similar homes without these features in Cobblestone Country Club are priced around $850,000.
• Strong School Proximity: Close proximity to Citrus Grove Elementary School, which has a rating of 9/10, makes this property highly desirable for families with young children. This is a key selling point, as top-rated elementary schools are a significant draw for buyers in Palm City.
• Minimal Flood Risk: The property is located in FEMA Flood Zone X_UNSHADED, indicating minimal flood risk (1/10), which translates to lower flood insurance premiums. The average flood risk in Palm City is around 3/10.
The Bad
• Extended Time on Market: With 381 days on the market, the property's extended listing period is significantly higher than the average for Palm City, potentially signaling overpricing or other issues requiring investigation. The average days on market in Palm City is around 90 days.
• High Insurance Costs: The estimated annual insurance cost of $3,510 is relatively high, driven by the extreme wind risk (10/10). This adds to the overall cost of ownership compared to areas with lower risk profiles.
• South Fork High School Rating: The local high school has a rating of 5/10, which is below average. Families prioritizing excellent public schools may find this a drawback, potentially affecting resale value.
The Ugly
• Price Reductions: Multiple price reductions over the past year, from an initial listing price of $1,050,000 in March 2023 to the current price of $975,000, indicate potential overpricing or underlying issues. This represents a roughly 7% decrease in price over the year.
• High Heat and Wind Risk: The property faces extreme heat (10/10) and wind (10/10) risks, potentially leading to higher utility bills and increased insurance costs. This could deter buyers concerned about long-term maintenance and operational expenses.
• Past Rental History: The property was listed for rent multiple times between 2011 and 2013 at $2,500/month, which is significantly lower than current market rental rates for similar properties (around $2,650/month for a 3-bedroom). This could suggest challenges in attracting long-term tenants or a previous lack of investment in updates and improvements.
Reimagine This House
What would you change about this home? Describe your vision and see it transformed by AI.
Original
Who is this property for?
These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.
Best For
• Buyers seeking a secure, community-oriented lifestyle: The guard-gated Cobblestone Country Club provides security and a sense of community through shared common areas and management.
• Buyers prioritizing outdoor living and entertaining: The screened-in courtyard with a heated saltwater pool, waterfall, and fully equipped summer kitchen offers a private and luxurious outdoor space.
• Buyers desiring multi-generational living options: The separate mother-in-law suite with its own entrance, French doors, and kitchenette provides a flexible space for guests, extended family, or a home office, ensuring privacy and independence.
• Buyers who value proximity to amenities: The property's location offers convenient access to I-95, top-rated schools (Citrus Grove Elementary School with a rating of 9/10), fine dining, shopping, and premier golf courses.
Not For
• Buyers seeking a very modern or newly constructed home: Built in 2004, the home may require updates to appeal to buyers who prefer contemporary designs and the latest amenities.
• Buyers sensitive to high summer temperatures: The extreme heat risk (10/10) with a 98th percentile temperature of 107°F and 7 hot days per year may deter buyers who prefer cooler climates.
• Buyers who prefer minimal HOA involvement or fees: The property is located within a guard-gated country club with mandatory HOA fees, which may not appeal to those seeking more autonomy or lower monthly expenses.
• Buyers on a strict budget: While the home offers numerous high-end features, the price point of $975,000 and associated costs (insurance, HOA fees, potential Cape Club membership) may be prohibitive for budget-conscious buyers.
Demographics
Area Median Income
$105,527
Property History
Price History
Ownership Timeline
$430,000Financed
Sep 18, 2014Linda C Griswold, Linda C NaplesBrent Lanman
Warranty Deed
Standard Sale (Purchase/Resales)
$0Cash Purchase
Sep 11, 2008Joseph Naples, Linda C NaplesLinda C Naples
Intrafamily Transfer
Non-Arm's Length Transactions
Property Taxes
$8,460
2023 Tax Assessment
3.6%from previous year
Assessed Value$522,504
Tax Rate1.62%
Sunlight Analysis
Visualize how sunlight affects this property throughout the day and year.
Sunlight Analysis
Data provided by Shadowmap
Loading sunlight data...
Risk Assessment
Climate Risks
heatSEVERE
7 extreme heat days per year
98th percentile: 107°F
windSEVERE
Insurance: Required
fireMINIMAL
Insurance: Recommended
airMINIMAL
0 bad air quality days per year
floodMINIMAL
FEMA Zone: Minimal Risk Area
Insurance: Optional
Risk Analysis
• High Wind Risk (10/10): Critical insurance is needed due to the extreme wind risk, potentially increasing annual homeowner's insurance costs. Check policy details carefully.
• Prolonged Marketing Time: The property has been on the market for 381 days, which could indicate pricing issues or needed improvements. A thorough inspection and appraisal are recommended.
• HOA Restrictions: The HOA includes common areas, management fees, and security, but it's crucial to review the HOA's regulations and restrictions, which could impact future renovations or modifications to the property. Request and review the HOA documents before making an offer.
• High Heat Risk (10/10): The extreme heat risk could result in higher energy bills during the summer months. Consider the efficiency of the home's insulation and HVAC system.
Insurance
Annual Cost
$3,510
$293 per month
Cost & Affordability
Monthly Costs
Breakdown of estimated monthly expenses for this property
Monthly Payment
$0
* Estimated at 1% of home value annually. Actual costs may vary.
Not Included in Estimate
• Utilities (electricity, gas, water, internet)
• Home improvements and upgrades
• Landscaping and yard maintenance
• Pest control and home services
• Emergency repairs and replacements
Can You Afford This Home?
Enter your financial details to see if this property fits your budget
Calculate Your Affordability
Get a personalized affordability score based on your income, debts, and down payment
Enter total household income before taxes and deductions
20.0% of purchase price
Customize Your Mortgage
Adjust the terms to see how they affect your monthly payment
$975 monthly
$293 monthly
Price Prediction Challenge
Think you know what 10548 SW Lands End Place will sell for? Put your market expertise to the test!
Be the first to predict
Your local insight could help set the benchmark for other buyers.
No predictions yet
Kick off the challenge by making your guess. You'll help other buyers get a feel for this property’s value—and you might just claim the top spot when it sells.
Schools
Hidden Oaks Middle School
Public•Grades 6-8
9/10
Middle
1,080 students
Citrus Grove Elementary School
Public•Grades K-5
7/10
Elementary
675 students
South Fork High School
Public•Grades 9-12
5/10
High
1,933 students
Financials
Monthly Costs
Unlock Premium Features
Supercharge Your Property Analysis
Get unlimited AI-powered insights and analysis to make confident decisions about any property you're interested in.
Best for serious buyers
- Unlimited AI analysis
- Unlimited AI chat
- Advanced tools & insights
$24.92/mo
Billed yearlySave 17% ($60/year)
Cancel anytime • 30-day money-back guarantee
Location & Comparables
Subject Property
Comparable Sales
Frequently Asked Questions
Property Discussion
Start the Conversation
Share your insights on this property—did you visit the open house? Know of any hidden pros or cons? Your street-level knowledge could be exactly what another buyer needs.
You
Analyze Any Property for Free
Get instant insights and potential savings on any Zillow® listing.
Free Analysis
AI-Powered Insights
Instant Results
