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1264 Valleybrook Rd SE
Score
0
Palm Bay, FL

1264 Valleybrook Rd SE

325K
3 bd • 2 ba • 1,994 sf

This analysis was generated 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.

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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

Property History

Price History
Ownership Timeline
$13,500Cash Purchase
Mar 31, 2014
Joe M Gallagher, Dianne GallagherSmith Development & Construction Inc
Warranty Deed
Standard Sale (Purchase/Resales)
$242,900Financed
Dec 21, 2005
Kb Home Treasure Coast LlcJoe M Gallagher, Dianne Gallagher
Warranty Deed
New Construction Residential Transactions
$14,500Cash Purchase
Aug 20, 2004
Builders Property Group LlcKb Home Treasure Coast Llc
Warranty Deed
Non-Residential Arm's Length Transactions
$7,000Cash Purchase
Apr 27, 2004
Nellie M StodolskiBuilders Property Group Llc
Warranty Deed
Non-Residential Arm's Length Transactions

Property Taxes

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

Sunlight Analysis

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Sunlight Analysis

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Risk Assessment

Climate Risks

windSEVERE

Insurance: Required

heatSEVERE

7 extreme heat days per year

98th percentile: 106°F

fireMINIMAL

Insurance: Recommended

airMINIMAL

0 bad air quality days per year

floodMINIMAL

FEMA Zone: Minimal Risk Area

Insurance: Optional

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

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

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$325 monthly
$97 monthly

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Schools

Columbia Elementary School

Public•Grades PK-6
5/5
Primary
0.7 mi
Get more information on GreatSchools

Southwest Middle School

Public•Grades 7-8
3/5
Middle
2.7 mi
Get more information on GreatSchools

Bayside High School

Public•Grades 9-12
4/5
High
2.4 mi
Get more information on GreatSchools

Financials

Monthly Costs
Market Rent (3 bed)

$1,834

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Location & Comparables

Subject Property
Comparable Sales
View on Zillow

Subject Property

Price
$324,900
Price/sqft
$163
Layout
3 bd•2 ba
Days on market
15 daysat time of analysis

Stats in the Area

Based on 6 comparable properties nearby

Average Price

$362,613

10.4%

Your price is 10.4% below average

Median Price

$349,990

7.2%

Based on 6 recent sales

Price per Sq.Ft

$193

15.6%

Your price is 15.6% below average $/sqft

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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