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315 Tilford O #315
B Composite 72.36
Why this score? — see what drove the B 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 +27.4/30.0
  • ARV discount +12.4/15.0
  • 1% rule +10.0/10.0
  • DSCR +9.6/10.0
  • Schools +4.0/10.0
  • Livability +3.8/5.0
  • Condition / age +2.8/5.0
  • Rent growth +2.5/5.0
  • Appreciation +0.0/10.0

$79,000

315 Tilford O #315 · Deerfield Beach, FL 33442
1 bd · 1.5 ba · 700 sqft · Condo · 163 Days on market
Built 1978 Average condition $113/sqft · 11% below area Est $89k · 11% under $550/mo HOA · 33% of rent ↓ 5% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

Fully Furnished, Welcome to 315 Tilford O, located in the well-established Century Village community in Deerfield Beach. This well-maintained unit offers a comfortable and functional layout, ideal for those seeking a peaceful and amenity-rich environment. The residence features a bright living space, a well-proportioned bedroom, and a practical kitchen layout, providing an excellent opportunity for personalization or light updates. Natural light enhances the interior, creating a welcoming atmosphere throughout.

Key facts

  • Clubhouse
  • Swimming pools
  • Fitness facilities

Tags

CENTURY VILLAGE COMMUNITYCLUBHOUSESWIMMING POOLSFITNESS FACILITIESTRANSPORTATION SERVICESRECREATIONAL ACTIVITIES

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/1.5-bath condo listed at $79k. Condition is rated average.

Deal economics

  • At list price, monthly cash flow is $230 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $79k).
  • Recommended offer: $70k (12.0% below list) — sets the bar for market timing.
  • Cap rate 9.8% vs local median 4.3% in Deerfield Beach — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 75/100 on livability (#250 in FL, #3,970 nationally) — a middle-class / working-renter tenant base. Strengths: housing A+, health & safety A+, cost of living A; Watch: amenities D-, employment D-.
  • Broward (suburban): math 42% / reading 53% proficiency, ranked #46 of 73 in FL (top 63%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Quiet Waters Elementary School (math 40% / reading 48%, grade F, #1,330 of 2,144 statewide, top 63%, 1,128 students, 62% FRL); Lyons Creek Middle School (math 49% / reading 53%, grade C, #237 of 571 statewide, top 43%, 1,757 students, 60% FRL); Deerfield Beach High School (math 12% / reading 37%, grade F, #505 of 667 statewide, top 79%, 2,251 students, 69% FRL).
  • Market conditions: Rents flat; 751 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 99d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 75% of comp listings sitting > 30 days — soft ceiling on asking rent; 2,111 units permitted in Broward County in 2024 (1,265 in 5+ unit buildings).
  • This rent runs 38% of the median local income ($53k/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 $546 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Broward County population projected at +34% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 163 days — a 12% lower offer ($70k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

  • Watch-outs: HOA is 33% of rent.
Recommended offer $69,520 (12.0% below list)

Questions for the listing agent

  1. It's been on market 163 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. 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?
  8. 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.
  9. 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.
  10. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

1% rule
2.13%
Cap rate
9.79%
Cash-on-cash
12.50%
DSCR
1.56
GRM
3.9

CMA / ARV

ARV (median comp)
$88,689
List price
$79,000
Delta
-10.92%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
238 Newport O #238 0.43mi 1/1.5 700 (0%) 0mo $65,000 $93 80
181 Markham I #181 0.56mi 1/1.5 700 (0%) 0mo $55,000 $79 74
17 Lyndhurst Unit A 0.71mi 1/1.5 700 (0%) 0mo $110,000 $157 67
65 Westbury C #65 1.06mi 1/1.5 700 (0%) 0mo $50,000 $71 65
4024 Durham Unit A 0.71mi 1/1.5 715 (+2%) 0mo $108,000 $151 63
91 Tilford Unit E 0.22mi 1/1.0 585 (-16%) 0mo $63,000 $108 63
2026 Berkshire B #2026 0.96mi 1/1.5 719 (+3%) 0mo $99,000 $138 60
48 Newport C Ct Unit C 0.24mi 2/1.5 (+1) 820 (+17%) 0mo $107,000 $130 58
144 Tilford G Pl #144 0.41mi 2/1.5 (+1) 820 (+17%) 0mo $132,000 $161 51
2045 Newport N #2045 0.40mi 2/2.0 (+1) 860 (+23%) 1mo $110,000 $128 49
16 Keswick A #16 0.60mi 1/1.0 585 (-16%) 0mo $75,000 $128 45
176 Upminster H #176 1.20mi 2/2.0 (+1) 820 (+17%) 0mo $180,000 $220 33

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.1% rent growth · sell at horizon

5-year hold
IRR
-3.2%
Equity multiple
0.89×
Total profit
$-2,520
Equity at exit
$11,779
10-year hold
IRR
-0.2%
Equity multiple
0.99×
Total profit
$-253
Equity at exit
$6,830

Cash invested: $22,120 (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.

Active competition Active MLS

For sale now
18 active · 14 under contract
Median asking
$106,000 ($151/sqft)
Median days on market
83 d
This list price
11% of active listings are priced below it
ARV vs active asking
-16.3% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 33442

Rents YoY
0.1%
Active inventory
751
Price-to-rent
3.9×

Monthly cashflow live

Estimated rent
$1,679 high interval (Pro) →
Mortgage (P&I)
$414
Tax est. 1.5%
$99 /mo · $1,185/yr
Insurance
$33
HOA
$550
Vacancy / Maint / Mgmt
$353
Net cashflow
$230

Break-even live

Break-even rent $1,387
Max offer price $79,000
Occupancy floor 81%

Sensitivity live

Price -10% $285 -5% $258 +0% $230 +5% $203 +10% $176
Rent -10% $98 -5% $164 +0% $230 +5% $297 +10% $363
Rate -1.0pp $270 -0.5pp $251 base $230 +0.5pp $210 +1.0pp $189

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
$19,750
Closing costs
$2,370
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
181 Tilford I Unit I Deerfield Beach, FL 1.0 1.5 700 $1,350 $1.93 120d 1 0.15mi
477 Tilford S Unit 477 Deerfield Beach, FL 1.0 1.5 700 $1,450 $2.07 51d 1 0.18mi
12 Prescott E Unit 12 Deerfield Beach, FL 1.0 1.5 700 $1,550 $2.21 94d 1 0.20mi
20 Prescott E Unit 20 Deerfield Beach, FL 1.0 1.5 700 $1,600 $2.29 33d 1 0.21mi
20 Prescott E Unit 20 Deerfield Beach, FL 1.0 1.5 700 $1,600 $2.29 120d 1 0.21mi
260 Prescott N Unit 260 Deerfield Beach, FL 1.0 1.5 700 $1,500 $2.14 120d 1 0.21mi
27 Newport B Deerfield Beach, FL 1.0 1.5 700 $1,550 $2.21 118d 1 0.21mi
25 Newport Ct Unit 25 Deerfield Beach, FL 1.0 1.0 700 $1,549 $2.21 120d 1 0.21mi
27 Newport B Deerfield Beach, FL 1.0 1.5 700 $2,000 $2.86 12d 1 0.21mi
188 Prescott E Unit 188 Deerfield Beach, FL 1.0 1.5 700 $2,600 $3.71 86d 1 0.22mi
188 Prescott E Unit 188 Deerfield Beach, FL 1.0 1.5 700 $1,800 $2.57 120d 1 0.22mi
58 Tilford C Unit C Deerfield Beach, FL 1.0 1.0 585 $1,400 $2.39 51d 1 0.26mi
111 Tilford F #111 Deerfield Beach, FL 1.0 1.0 585 $1,500 $2.56 116d 1 0.26mi
111 Tilford F #111 Deerfield Beach, FL 1.0 1.0 585 $1,500 $2.56 101d 1 0.26mi
181 Newport Ct #181 Deerfield Beach, FL 1.0 1.5 700 $1,650 $2.36 120d 1 0.36mi
181 Newport Ct #181 Deerfield Beach, FL 1.0 1.5 700 $1,475 $2.11 6d 1 0.36mi
170 Newport K Deerfield Beach, FL 1.0 1.0 585 $1,430 $2.44 120d 1 0.37mi
125 Newport I Unit I Deerfield Beach, FL 1.0 1.5 700 $1,490 $2.13 77d 1 0.37mi
125 Newport I Unit I Deerfield Beach, FL 1.0 1.5 700 $1,600 $2.29 94d 1 0.37mi
159 Ventnor Dr #159 Deerfield Beach, FL 1.0 1.0 585 $1,450 $2.48 12d 1 0.38mi
161 Ventnor Dr #161 Deerfield Beach, FL 1.0 1.0 585 $1,500 $2.56 20d 1 0.38mi
253 Newport P #253 Deerfield Beach, FL 1.0 1.5 700 $1,650 $2.36 0d 1 0.42mi
226 Newport O Deerfield Beach, FL 1.0 1.5 700 $1,700 $2.43 120d 1 0.44mi
226 Newport O Deerfield Beach, FL 1.0 1.5 700 $1,600 $2.29 99d 1 0.44mi
358 Markham Cres Unit 358 Deerfield Beach, FL 1.0 1.5 700 $1,500 $2.14 120d 1 0.44mi
138 Markham G Deerfield Beach, FL 1.0 1.5 700 $1,600 $2.29 1d 1 0.44mi
358 Markham P #358 Deerfield Beach, FL 1.0 1.5 700 $1,500 $2.14 86d 1 0.45mi
147 Markham E Unit 147 Deerfield Beach, FL 1.0 1.0 585 $2,150 $3.68 3d 1 0.46mi
97 Ventnor E Unit 97 Deerfield Beach, FL 1.0 1.0 585 $1,395 $2.38 10d 1 0.46mi
28 Ventnor B Deerfield Beach, FL 1.0 1.5 700 $1,650 $2.36 26d 1 0.49mi
308 Markham N Deerfield Beach, FL 1.0 1.5 700 $1,200 $1.71 120d 1 0.50mi
111 Oakridge I #111 Deerfield Beach, FL 1.0 1.5 706 $1,595 $2.26 120d 1 0.50mi
295 Newport Dr Unit 295 Deerfield Beach, FL 1.0 1.0 595 $1,450 $2.44 120d 1 0.52mi
6 Ventnor a Deerfield Beach, FL 1.0 1.0 600 $1,429 $2.38 120d 1 0.52mi
436 Markham S #436 Deerfield Beach, FL 1.0 1.0 585 $1,400 $2.39 120d 1 0.54mi
423 Markham S Unit 423 Deerfield Beach, FL 1.0 1.0 585 $1,615 $2.76 20d 1 0.54mi
41 Deer Creek Rd Unit G106 Deerfield Beach, FL 1.0 550 $1,850 $3.36 120d 1 0.57mi
306 Newport T #306 Deerfield Beach, FL 1.0 1.0 585 $1,350 $2.31 36d 1 0.59mi
306 Newport T #306 Deerfield Beach, FL 1.0 1.0 585 $1,350 $2.31 120d 1 0.59mi
340 Oakridge S #340 Deerfield Beach, FL 1.0 1.0 585 $2,000 $3.42 36d 1 0.62mi

Property features AI

Finance

Financial info
Pets not allowed
HOA & community
Monthly association fee of $550Association fee covers water, sewer, and common areasCommunity amenities include clubhouse, fitness center, pool, jogging path, shuffleboard court, community room, hobby room, library, and pickleball court(s)Senior communityLand lease of $172 monthly (expires 2028-05-31)

Exterior

Parking
Asphalt parkingOne open parking space (total 1)
Security
Security fence
Utilities
Public waterPrivate sewerCable availableSewer availableWater available
Home design
CondominiumResale propertySecond-floor entryFaces west
Construction
Block constructionShingle roofTwo-story building
Exterior features
Screened porchPorchFenced yardNot waterfront

Interior

Kitchen
Electric rangeMicrowaveRefrigerator
Bedrooms
One main-level bedroom
Flooring
CarpetCeramic tileTile
Bathrooms
One full bathroomOne half bathroom
Heating & cooling
Electric heatingCeiling fan(s) for coolingHas heating and cooling
Interior features
Adaptable for elevatorSecurity fence

HOA detail $550/mo · $6,600/yr condo

Assessments
None detected in remarks — confirm with the listing agent.

Listing history 50 events

  1. 2026-09-23
    days on market $79,000 Active 163 DOM
  2. 2026-09-22
    days on market $79,000 Active 162 DOM
  3. 2026-09-21
    days on market $79,000 Active 161 DOM
  4. 2026-09-20
    days on market $79,000 Active 160 DOM
  5. 2026-09-18
    days on market $79,000 Active 158 DOM
  6. 2026-09-17
    days on market $79,000 Active 157 DOM
  7. 2026-09-16
    days on market $79,000 Active 156 DOM
  8. 2026-09-15
    days on market $79,000 Active 155 DOM
  9. 2026-09-14
    days on market $79,000 Active 154 DOM
  10. 2026-09-13
    days on market $79,000 Active 153 DOM
  11. 2026-09-12
    days on market $79,000 Active 152 DOM
  12. 2026-09-11
    days on market $79,000 Active 151 DOM
  13. 2026-09-05
    days on market $79,000 Active 145 DOM
  14. 2026-09-04
    days on market $79,000 Active 144 DOM
  15. 2026-09-03
    days on market $79,000 Active 143 DOM
  16. 2026-08-31
    days on market $79,000 Active 140 DOM
  17. 2026-08-29
    days on market $79,000 Active 138 DOM
  18. 2026-08-28
    days on market $79,000 Active 137 DOM
  19. 2026-08-27
    days on market $79,000 Active 136 DOM
  20. 2026-08-25
    price $79,000 Active 134 DOM
  21. 2026-08-25
    days on market $90,000 Active 134 DOM
  22. 2026-08-24
    days on market $90,000 Active 133 DOM
  23. 2026-08-23
    days on market $90,000 Active 132 DOM
  24. 2026-08-22
    days on market $90,000 Active 131 DOM
  25. 2026-08-21
    days on market $90,000 Active 130 DOM
  26. 2026-08-20
    days on market $90,000 Active 129 DOM
  27. 2026-08-19
    days on market $90,000 Active 128 DOM
  28. 2026-08-18
    days on market $90,000 Active 127 DOM
  29. 2026-08-16
    days on market $90,000 Active 125 DOM
  30. 2026-08-15
    days on market $90,000 Active 124 DOM
  31. 2026-08-14
    days on market $90,000 Active 123 DOM
  32. 2026-08-13
    days on market $90,000 Active 122 DOM
  33. 2026-08-12
    days on market $90,000 Active 121 DOM
  34. 2026-08-11
    days on market $90,000 Active 120 DOM
  35. 2026-08-10
    days on market $90,000 Active 119 DOM
  36. 2026-08-09
    days on market $90,000 Active 118 DOM
  37. 2026-08-08
    days on market $90,000 Active 117 DOM
  38. 2026-08-06
    days on market $90,000 Active 115 DOM
  39. 2026-08-05
    days on market $90,000 Active 114 DOM
  40. 2026-08-03
    days on market $90,000 Active 112 DOM
  41. 2026-07-31
    days on market $90,000 Active 109 DOM
  42. 2026-07-28
    days on market $90,000 Active 106 DOM
  43. 2026-07-24
    days on market $90,000 Active 102 DOM
  44. 2026-07-23
    days on market $90,000 Active 101 DOM
  45. 2026-07-22
    days on market $90,000 Active 100 DOM
  46. 2026-07-21
    days on market $90,000 Active 99 DOM
  47. 2026-07-20
    days on market $90,000 Active 98 DOM
  48. 2026-07-18
    days on market $90,000 Active 95 DOM
  49. 2026-07-16
    days on market $90,000 Active 94 DOM
  50. 2026-07-15
    days on market $90,000 Active 93 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$20,148
− Mortgage interest
−$4,425
− Property taxes
−$1,185
− Insurance
−$395
− Repairs & maintenance
−$1,612
− Management
−$1,612
− HOA
−$6,600
− Depreciation
−$2,298
Taxable income
$2,021
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$485
After-tax cash flow
$2,281/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.

Condition & rehab AI · 6 photos

Average 55/100 Cosmetic rehab Est. rehab $3,500–$10,500 screening

This well-maintained condo in Century Village offers a comfortable and functional layout with potential for cosmetic updates to enhance its resale and rental value.

Repairs flagged

  • Minor Kitchen backsplash — Worn appearance
  • Minor Bathroom faucet — Visible wear

Value-add opportunities

  • Both Paint interior walls — Enhances curb appeal and interior aesthetics
  • Both Replace kitchen backsplash — Improves functionality and aesthetics
  • Both Replace bathroom faucet — Enhances functionality and aesthetics

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 40/100

Zoned Schools

Elementary Quiet Waters Elementary School F FL #1,330/2,144 Nat'l #17,190/41,679 Middle Lyons Creek Middle School C FL #237/571 Nat'l #3,276/14,009 High Deerfield Beach High School F FL #505/667 Nat'l #12,478/17,239

Schools (NCES district)

District
Broward
NCES district ID
1200180
Math proficiency
42% ▼ -18.00%
Reading proficiency
53% ▼ -5.00%
Median HH income
$52,139
Composite
40.88/100
National rank
#3621
State rank
#46 of 73 in FL
B Composite livability gradescore 75/100

Livability — Deerfield Beach

Score
75/100
State rank
#250
US rank
#3970

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Deerfield Beach, FL
County
Broward County · 2,207,033 people
City population
61,449
Metro
Miami-Fort Lauderdale-Pompano Beach, FL
Population (ZIP)
31,296
Household income
$53,254
Rent vs Own
30.3% rent · 69.7% own
Severe rent burden
26% of renters

Population outlook (Broward County) Hauer SSP2

Today (2025)
2,207,033 people
By 2030
2,360,704 · +7.0%
By 2040
2,661,208 · +20.6%
By 2050
2,946,698 · +33.5%
By 2075
3,602,273 · +63.2%
By 2100
3,970,984 · +79.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.61)
Race & ethnicity
White 57% Hispanic / Latino 23% Two or more races 19% Black 10% Asian 2%
Hispanic origin (detail)
Mexican 1% Puerto Rican 4% Cuban 3%
Common ancestry
Estonian 7% Romanian 4% Hispanic 3%
Foreign-born
34% · Canada, Jamaica, Dominican Republic
Languages at home
59% English-only · Spanish 20% Other Indo-European 13% French/Haitian/Cajun 4%

Political lean MEDSL · Broward

2024 margin
D (+17.0) · D 58.0% · R 41.0%
2008→2024 swing
-17.8pp toward R · 2008: 34.7pp · 2024: 17.0pp
All cycles
2024: D+17.0 2020: D+29.8 2016: D+35.0 2012: D+34.9 2008: D+34.7

Not yet ingested

Civics

Price history

-5.3% since first listed
2 events — show timeline
  • 2026-06-20 Price Changed $90,000 Beaches MLS
  • 2026-04-13 Listed $95,000 Beaches MLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…