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1264 Valleybrook Rd SE
Palm Bay, FL

1264 Valleybrook Rd SE

$324,900
3 bd • 2 ba • 1,994 sf

This analysis was generated by artificial intelligence on 1/22/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

List Price

$324,900

Price/Sq.Ft

$163

Year Built

2014

AI Property Analysis

A comprehensive evaluation of this property's features, market position, and investment potential.

The Good

This 2014-built property at 1264 Valleybrook Rd SE, Palm Bay, FL offers excellent value at $162.94/sqft, which is significantly below the area's median price of $330,079. The 1,994 sqft home provides ample space, surpassing many comparable properties. Recent upgrades add substantial value: a new metal roof in 2024 ($15,000-$20,000 value), HVAC replacement in 2021 ($5,000-$7,000 value), and new appliances (2023-2024, $3,000-$5,000 value). The property's flood risk score of 1/10 is exceptionally low for Florida, potentially reducing insurance costs. The home's generator readiness adds a unique selling point, especially valuable in an area with extreme wind risk. The large screened porch, irrigation system, and water softener further enhance the property's appeal and functionality.

The Bad

The property's extreme heat risk (9/10) and wind risk (10/10) scores are concerning, potentially leading to higher insurance premiums and maintenance costs. The home's rapid price increase from $175,000 in 2015 to the current $324,900 (85.7% increase) may raise questions about sustainable valuation. The carpet in bedrooms may be less desirable for some buyers, potentially requiring replacement ($3,000-$5,000). The local schools have below-average ratings (3-5/10), which could impact long-term value and attractiveness to families with children.

The Ugly

The extreme wind risk (10/10) is a major concern, necessitating critical insurance coverage and potentially leading to significantly higher premiums. This risk could also result in more frequent repairs and maintenance costs. The property's price history shows extreme volatility, with a 94.4% decrease in 2014 followed by a 1232.6% increase, raising questions about market stability and potential overvaluation. The area's crime rates, particularly car break-ins, could be a significant deterrent for some buyers and may necessitate additional security measures.

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

This property is ideal for buyers with a household income of $90,000+ (based on a 28% front-end DTI ratio). It's well-suited for young professionals or small families who value modern amenities and low maintenance. The generator readiness and recent upgrades make it attractive for those prioritizing comfort and reliability. Investors could benefit from the potential for appreciation, given the property's features and the area's growing rental market, with potential monthly rents around $1,834 for a three-bedroom home.

Not For

Not suitable for buyers seeking a vibrant social scene or extensive community amenities, as Palm Bay is described as lacking in these areas. The extreme climate risks make it unsuitable for risk-averse buyers or those unable to manage potentially high insurance costs. Families prioritizing top-rated schools may find the local educational options lacking. The property may not be ideal for long-term investors concerned about the area's price volatility and potential overvaluation.
Demographics
Area Median Income

$56,811

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Risk Assessment

Climate Risks

windEXTREME

Insurance: Required

heatEXTREME

7 extreme heat days per year

98th percentile: 106°F

fireMINOR

Insurance: Recommended

floodMINIMAL

FEMA Zone: X_UNSHADED

Insurance: Optional

airMINIMAL

0 bad air quality days per year

Risk Analysis

The extreme wind risk (10/10) poses a significant threat to the property and will likely result in high insurance premiums. The area's history of rapid price fluctuations suggests a volatile market, risking potential future depreciation. The extreme heat risk (9/10) could lead to higher cooling costs and potential HVAC strain. Despite recent upgrades, the home's age (built in 2014) means some systems may require replacement in the next 5-10 years. The local crime rates, particularly car break-ins, may necessitate additional security measures. The below-average school ratings could impact long-term property value appreciation.
Insurance
Annual Cost

$1,170

$97 per month

Financials

Monthly Costs

Price History

Property Taxes

$2,606
2024 Tax Assessment
2.5%from previous year
Assessed Value$179,080
Tax Rate1.46%

Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Stats in the Area

Average Price

$362,613

11.6% above list price

Median Price

$349,990

Based on 6 recent sales

Price per Sq.Ft

$193

Comparable Properties

1560 Rachel Avenue SE, Palm Bay, FL 32909
Price: $335,450
Sq.Ft: 1,811
Beds/Baths: 4/2
$/Sq.Ft:
$18513.7%
Sale Date: 11/25/2024
1790 WAPELLO AVENUE SE, PALM BAY, FL 32909
Price: $417,500
Sq.Ft: 2,256
Beds/Baths: 4/2
$/Sq.Ft:
$18513.6%
Sale Date: 11/26/2024
1809 SANDIA ROAD SE, PALM BAY, FL 32909
Price: $345,000
Sq.Ft: 1,833
Beds/Baths: 4/2
$/Sq.Ft:
$18815.5%
Sale Date: 10/30/2024
1373 Vandalia Avenue SE, Palm Bay, FL 32909
Price: $340,000
Sq.Ft: 1,873
Beds/Baths: 4/2
$/Sq.Ft:
$18211.4%
Sale Date: 10/22/2024
3628 Grappler Circle SE, Palm Bay, FL 32909
Price: $387,739
Sq.Ft: 1,637
Beds/Baths: 4/2
$/Sq.Ft:
$23745.4%
Sale Date: 11/22/2024
1950 Sandia Road SE, Palm Bay, FL 32909
Price: $349,990
Sq.Ft: 1,936
Beds/Baths: 3/2
$/Sq.Ft:
$18110.9%
Sale Date: 9/19/2024

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