None · Orange City, FL 32763

$239,000

3 bd · 2.0 ba · 1,279 sqft · SingleFamily public records · 2 Days on market

Built 1973 10,500 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 +13.0/30.0
• ARV discount +7.5/15.0
• DSCR +3.9/10.0
• Schools +3.9/10.0
• Rent growth +3.8/5.0
• Livability +3.6/5.0
• 1% rule +2.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Move in ready. Attractive home inside and out. Large Shed with power in Back Yard.

Key facts

• 0.24 acre lot
• Built 1973
• Listed 2 days

Tags

• LARGE SHED WITH POWER

Property features AI

Finance

• Other: Zoning: R4
• HOA & community: Not in a development; No HOA association indicated

Exterior

• Utilities: Public water; Septic tank; Broadband/high-speed internet available; Cable available; Electricity connected
• Home design: Single-family residence; One story; Faces east
• Construction: Block construction; Shingle roof; Slab foundation; Built on 0.24-acre lot
• Exterior features: Private mailbox; Sliding doors; Exterior storage

Interior

• Kitchen: Dishwasher; Range; Range hood; Microwave; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Wood
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; Solid surface counters; Solid wood cabinets; Walk-in closets; Window treatments; Masonry wood-burning fireplace in family room; 10 total rooms
• Laundry & utility: Washer hookup; Dryer hookup; Laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $239k.

Deal economics

• At list price, monthly cash flow is $-11 ($-132/yr) — negative.
• To cash-flow at today's rent, offer at most $237k (0.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $186k (22.3% below list).
• Recommended offer: $186k (22.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 71/100 on livability (#406 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools C-, employment D+, amenities 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.
• Market conditions: Rents rising fast (+5.2%/yr); 243 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 3,402 units permitted in Volusia County in 2024 (681 in 5+ unit buildings).
• This rent runs 33% of the median local income ($67k/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 $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

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $42k; list at $239k implies a 469% 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→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $185,649 (22.3% 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. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 0.78% ✗
• Cap rate: 6.24%
• Cash-on-cash: -0.20%
• DSCR: 0.99
• GRM: 10.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 5.22% rent growth · sell at horizon

5-year hold

• IRR: -14.5%
• Equity multiple: 0.47×
• Total profit: $-35,268
• Equity at exit: $35,636

10-year hold

• IRR: -2.8%
• Equity multiple: 0.79×
• Total profit: $-13,730
• Equity at exit: $20,664

Cash invested: $66,920 (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 32763

• Rents YoY: 5.2%
• Active inventory: 243
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $1,856 high
• Mortgage (P&I): −$1,253
• Tax from tax record: −$125 /mo · $1,496/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$390
• Net cashflow: $-11

Break-even live

Break-even rent $1,870

Max offer price $237,060

Occupancy floor 96%

Sensitivity live

Price	-10% $124	-5% $57	+0% $-11	+5% $-79	+10% $-146
Rent	-10% $-158	-5% $-84	+0% $-11	+5% $62	+10% $136
Rate	-1.0pp $109	-0.5pp $50	base $-11	+0.5pp $-73	+1.0pp $-136

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: $59,750
• Closing costs: $7,170
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2210 SE 2nd St Orange City, FL	2.0	2.0	1161	$1,700	$1.46	24d	1	0.12mi
2385 Poinsettia Dr Orange City, FL	2.0	2.0	1536	$1,800	$1.17	24d	1	0.35mi
640 Poinsettia Dr Orange City, FL	2.0	2.0	1266	$1,700	$1.34	15d	1	0.38mi
261 Dogwood Ave Orange City, FL	3.0	2.0	1300	$1,875	$1.44	19d	1	0.49mi
2500 Junior St Orange City, FL	1.0–2.0	1.0–2.0	990	$1,699	$1.72	11d	10	0.77mi
345 E Ohio Ave #345 Orange City, FL	2.0	2.0	1006	$1,697	$1.69	24d	1	0.81mi
741 Saxon Blvd Orange City, FL	1.0–2.0	1.0–2.0	1031	$1,745	$1.69	11d	20	0.91mi
1112 Integra Landings Dr Orange City, FL	1.0–3.0	1.0–2.0	1057	$2,180	$2.06	11d	45	1.31mi
505 Patlin Ave Orange City, FL	2.0	1.5	1022	$1,600	$1.57	24d	1	1.37mi
221 Edwards Ave Orange City, FL	4.0	2.0	1272	$1,880	$1.48	15d	1	1.43mi

Listing history 4 events

1. 2026-05-01
   status Pending
2. 2026-04-29
   listed $239,000 Active
3. 1996-04-18
   soldstatus $42,000
4. 1995-03-14
   soldstatus $35,900

ⓘ 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: $1,496 · $125/mo
• Projected year-2 tax: $1,984 · $165/mo
• Expected delta: +$488/yr (+$41/mo · 32.6%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°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: $22,278
• − Mortgage interest: −$13,388
• − Property taxes: −$1,496
• − Insurance: −$1,195
• − Repairs & maintenance: −$1,782
• − Management: −$1,782
• − Depreciation: −$6,953
• Taxable loss: −$4,318
• Est. tax savings @ 24.0%: +$1,036
• After-tax cash flow: $905/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 — Orange City

• Score: 71/100
• State rank: #406
• US rank: #7175

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Volusia County · 556,871 people
• City population: 24,951
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• Population (ZIP): 24,951
• Household income: $66,716
• Rent vs Own: 35.3% rent · 64.7% own
• Severe rent burden: 1544.0

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: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 18% Two or more races 7% Black 7% Asian 1%
• Hispanic origin (detail): Puerto Rican 12%
• Common ancestry: Slovak 2% Romanian 2% Lithuanian 2%
• Foreign-born: 6% · Canada, Vietnam
• Languages at home: 85% English-only · Spanish 12% Russian/Polish/Slavic 1%

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: ▼ -225.13%
• Current HPI: 335.8393
• Rent YoY: ▲ 5.22%
• 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

+565.7% since first listed

4 events — show timeline

• 2026-05-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-29 Listed $239,000 Stellar MLS as Distributed by MLS Grid
• 1996-04-18 Sold (Public Records) $42,000 Public Records
• 1995-03-14 Sold (Public Records) $35,900 Public Records

Property tax history

-0.4%/yr

Latest (2025): $1,496 · +2.5% YoY. Source: county tax records.