None · Deltona, FL 32738

$229,900

3 bd · 1.0 ba · 838 sqft · SingleFamily public records · 39 Days on market

Built 1985 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 +10.5/30.0
• ARV discount +7.5/15.0
• Schools +3.9/10.0
• Livability +3.6/5.0
• 1% rule +3.3/10.0
• DSCR +3.0/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

Key facts

• Generously sized lot
• Flex space
• Converted garage

Tags

• GENEROUSLY SIZED LOT
• EXTENDED DRIVEWAY
• CONVERTED GARAGE
• FLEX SPACE
• NEW ROOF
• NEW KITCHEN RANGE

Property features AI

Finance

• Other: Lot approximately 0.22 acres (about 80x125); Living area and building area per public records; Zoning: 01R
• Financial info: No lease restrictions; Unfurnished
• HOA & community: No association reported; Development: Deltona Lakes

Exterior

• Parking: Converted garage (12x23)
• Security: Smoke detectors
• Utilities: Public water; Septic tank; High-speed internet available; Cable available and connected; Electricity connected; Phone available
• Home design: Single family residence; One story; East-facing entry
• Construction: Brick and stucco construction; Built-up and shingle roof; Slab foundation; Completed property condition; Built in year reflected in public records
• Exterior features: Rear porch; Porch; Enclosed patio/porch; Deck; Wood fencing; Mature landscaping with oak trees; Wooded lot; City limits location; Paved, asphalt road with public maintenance

Interior

• Kitchen: Range; Range hood; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Open floor plan; Formal dining area; Window treatments (blinds and drapes); Storage rooms; Den / library / office; Great room; Inside utility
• Laundry & utility: Washer hookup inside; Electric dryer hookup; Inside utility / laundry area

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $230k.

Deal economics

• At list price, monthly cash flow is $-116 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $209k (8.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $191k (16.9% below list).
• Recommended offer: $191k (16.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 71/100 on livability (#381 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F.
• Volusia (suburban): math 44% / reading 49% proficiency, ranked #47 of 73 in FL (top 64%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Volusia Pines Elementary School (math 35% / reading 49%, grade F, #1,403 of 2,144 statewide, top 67%, 527 students, 64% FRL); Galaxy Middle School (math 36% / reading 40%, grade F, #388 of 571 statewide, top 69%, 1,056 students, 60% FRL); Deltona High School (math 27% / reading 46%, grade F, #351 of 667 statewide, top 54%, 1,851 students, 52% FRL).
• Market conditions: Rents rising (+2.1%/yr); 389 active listings in the ZIP; solid renter incomes; 3,402 units permitted in Volusia County in 2024 (681 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Volusia County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 39 days — a 3% lower offer ($223k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 11y ago; this cycle's ask has dropped $15k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $70k; list at $230k implies a 228% 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; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $190,952 (16.9% 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 39 days. Have you received any prior offers? Is the seller open to a 17% 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. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.83% ✗
• Cap rate: 5.69%
• Cash-on-cash: -2.17%
• DSCR: 0.90
• GRM: 10.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.1% rent growth · sell at horizon

5-year hold

• IRR: -20.9%
• Equity multiple: 0.28×
• Total profit: $-46,333
• Equity at exit: $34,279

10-year hold

• IRR: -16.4%
• Equity multiple: 0.12×
• Total profit: $-56,595
• Equity at exit: $19,878

Cash invested: $64,372 (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 32738

• Home prices YoY: -31.8%
• Rents YoY: 2.1%
• Active inventory: 389
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,910 medium
• Mortgage (P&I): −$1,206
• Tax from tax record: −$324 /mo · $3,883/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$401
• Net cashflow: $-116

Break-even live

Break-even rent $2,057

Max offer price $209,329

Occupancy floor —

Sensitivity live

Price	-10% $14	-5% $-51	+0% $-116	+5% $-182	+10% $-247
Rent	-10% $-267	-5% $-192	+0% $-116	+5% $-41	+10% $34
Rate	-1.0pp $-1	-0.5pp $-58	base $-116	+0.5pp $-176	+1.0pp $-237

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: $57,475
• Closing costs: $6,897
• Reserves months: —
• Total cash needed: —

Listing history 33 events

1. 2026-06-22
   days on market $229,900 Active 39 DOM
2. 2026-06-18
   days on market $229,900 Active 36 DOM
3. 2026-06-17
   days on market $229,900 Active 35 DOM
4. 2026-06-16
   days on market $229,900 Active 34 DOM
5. 2026-06-15
   days on market $229,900 Active 33 DOM
6. 2026-06-14
   pricedays on market $229,900 Active 31 DOM
7. 2026-06-10
   days on market $234,900 Active 28 DOM
8. 2026-06-09
   days on market $234,900 Active 27 DOM
9. 2026-06-08
   days on market $234,900 Active 26 DOM
10. 2026-06-07
    days on market $234,900 Active 25 DOM
11. 2026-06-05
    days on market $234,900 Active 22 DOM
12. 2026-06-03
    days on market $234,900 Active 21 DOM
13. 2026-06-03
    pricedays on market $234,900 Active 20 DOM
14. 2026-06-01
    days on market $239,900 Active 19 DOM
15. 2026-05-31
    days on market $239,900 Active 18 DOM
16. 2026-05-31
    days on market $239,900 Active 17 DOM
17. 2026-05-15
    status Active 1722-char remark
18. 2026-04-30
    status Pending 1722-char remark
19. 2026-04-28
    listed $244,900 Active 1722-char remark
20. 2015-10-02
    soldstatus $70,000
21. 2015-09-30
    soldstatus $70,000 Sold 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

22. 2015-08-26
    status Pending 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

23. 2015-05-22
    status Active 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

24. 2015-05-12
    status Pending 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

25. 2015-05-08
    price $69,900 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

26. 2015-04-12
    status Active 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

27. 2015-02-11
    status Pending 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

28. 2015-02-09
    historical 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

29. 2015-01-27
    status Active 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

30. 2015-01-16
    status Pending 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

31. 2015-01-09
    listed $71,900 Active 450-char remark

    Show marketing remark (450 chars)

    Just Reduced. Back on the market. Financing fell through. Great starter home. This 3 bedroom one and 1/2 bath home is clean and ready to move in. The garage has been converted in to a 3rd. bedroom with a half bath and a large 7x11 closet, great for storage or would make a nice area for nursery. The house has been freshly painted. It has a newer roof, A/C unit and water heater. It also has a nice large fenced back yard. Easy to close. A must see.

32. 1993-09-09
    soldstatus $47,000
33. 1990-01-01
    soldstatus $49,900

ⓘ 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: $3,883 · $324/mo
• Projected year-2 tax: $3,883 · $324/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°F today · 20 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,914
• − Mortgage interest: −$12,878
• − Property taxes: −$3,883
• − Insurance: −$1,150
• − Repairs & maintenance: −$1,833
• − Management: −$1,833
• − Depreciation: −$6,688
• Taxable loss: −$5,350
• Est. tax savings @ 24.0%: +$1,284
• After-tax cash flow: $-113/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: Volusia
• NCES district ID: 1201920
• Math proficiency: 44% ▼ -9.00%
• Reading proficiency: 49% ▼ -3.00%
• Median HH income: $42,946
• Composite: 39.2/100
• National rank: #4019
• State rank: #47 of 73 in FL

Livability — Deltona

• Score: 71/100
• State rank: #381
• US rank: #6749

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Deltona, FL
• County: Volusia County · 556,871 people
• City population: 101,355
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• Population (ZIP): 49,368
• Household income: $80,224
• Rent vs Own: 17.8% rent · 82.2% own
• Severe rent burden: 636.0

Population outlook (Volusia County) Hauer SSP2

• Today (2025): 572,749 people
• By 2030: 598,695 · +4.5%
• By 2040: 644,880 · +12.6%
• By 2050: 681,451 · +19.0%
• By 2075: 759,957 · +32.7%
• By 2100: 778,902 · +36.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 46% Hispanic / Latino 37% Black 13% Two or more races 12%
• Hispanic origin (detail): Puerto Rican 23% Cuban 3% Dominican 3%
• Common ancestry: Romanian 2% Italian 2% Slovak 1%
• Foreign-born: 11% · Canada, Jamaica
• Languages at home: 72% English-only · Spanish 26%

Political lean MEDSL · Volusia

• 2024 margin: Strong R (+21.8) · D 38.7% · R 60.5%
• 2008→2024 swing: -27.4pp toward R · 2008: 5.7pp · 2024: -21.8pp
• All cycles: 2024: R+21.8 2020: R+14.1 2016: R+13.1 2012: R+1.2 2008: D+5.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -154.91%
• Current HPI: 331.8842
• Rent YoY: ▲ 2.10%
• Metro: Deltona-Daytona Beach-Ormond Beach, 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

+360.7% since first listed

20 events — show timeline

• 2026-06-11 Price Changed $229,900 Stellar MLS as Distributed by MLS Grid
• 2026-06-02 Price Changed $234,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-19 Price Changed $239,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-15 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-30 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-28 Listed $244,900 Stellar MLS as Distributed by MLS Grid
• 2015-10-02 Sold (Public Records) $70,000 Public Records
• 2015-09-30 Sold (MLS) $70,000 Stellar MLS as Distributed by MLS Grid
• 2015-08-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-05-22 Relisted — Stellar MLS as Distributed by MLS Grid
• 2015-05-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-05-08 Price Changed $69,900 Stellar MLS as Distributed by MLS Grid
• 2015-04-12 Relisted — Stellar MLS as Distributed by MLS Grid
• 2015-02-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-02-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-01-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2015-01-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-01-09 Listed $71,900 Stellar MLS as Distributed by MLS Grid
• 1993-09-09 Sold (Public Records) $47,000 Public Records
• 1990-01-01 Sold (Public Records) $49,900 Public Records

Property tax history

+23.4%/yr

Latest (2025): $3,883 · -2.5% YoY. Source: county tax records.