3143 Rachel Pl · Lynn Haven, FL 32409

$282,452

3 bd · 2.0 ba · 1,245 sqft · SingleFamily public records · 27 Days on market

Built 2024 5,663 sqft lot Est $286k · at est. ↓ 19% since listing

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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).

• Appreciation +9.5/10.0
• ARV discount +8.1/15.0
• Cash flow +6.9/30.0
• Schools +4.3/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.4/10.0
• DSCR +1.2/10.0

Listing remarks MLS

Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

Key facts

• Fridge included
• Landscaping updates
• Center island

Tags

• FRIDGE INCLUDED
• LANDSCAPING UPDATES
• ONE-STORY HOME
• OPEN-CONCEPT LIVING ROOM
• CENTER ISLAND
• SPACIOUS WALK-IN PANTRY

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $282k.

Deal economics

• At list price, monthly cash flow is $-488 ($-6k/yr) — negative.
• To cash-flow at today's rent, offer at most $196k (30.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $182k (35.6% below list).
• Recommended offer: $182k (35.6% below list) — sets the bar for 1% rule.
• Cap rate 4.5% vs local median 3.5% in Lynn Haven — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 81/100 on livability (#96 in FL, #1,472 nationally) — a professional / high-income tenant draw. Strengths: crime A+, housing A+, health & safety A+; Watch: amenities D+, commute F.
• Bay (suburban): math 51% / reading 51% proficiency, ranked #29 of 73 in FL (top 40%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 299 active listings in the ZIP; 2,473 units permitted in Bay County in 2024 (559 in 5+ unit buildings).

Forward outlook

• In year one you build about $28k of equity ($2k loan paydown + $26k appreciation (9.1% local appreciation)).
• Bay County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$44k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($278k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago; this cycle's ask is 13% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $181,933 (35.6% 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.64% ✗
• Cap rate: 4.50%
• Cash-on-cash: -6.40%
• DSCR: 0.72
• GRM: 12.9

CMA / ARV

• ARV (on-the-fly): $286,350
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3135 Rachel Pl	0.02mi	3/2.0	1,293 (+4%)	20mo	$297,900	$230	76

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

Projected returns pro-forma

9.08% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 17.0%
• Equity multiple: 2.33×
• Total profit: $105,169
• Equity at exit: $235,748

10-year hold

• IRR: 16.1%
• Equity multiple: 5.18×
• Total profit: $330,482
• Equity at exit: $489,725

Cash invested: $79,087 (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 32409

• Home prices YoY: 2.4%
• Active inventory: 299
• Price-to-rent: 12.9×

Monthly cashflow live

• Estimated rent: $1,819 medium
• Mortgage (P&I): −$1,481
• Tax from tax record: −$260 /mo · $3,120/yr
• Insurance: −$118
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$382
• Net cashflow: $-488

Break-even live

Break-even rent $2,437

Max offer price $196,224

Occupancy floor —

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: $70,613
• Closing costs: $8,474
• Reserves months: —
• Total cash needed: —

Listing history 32 events

1. 2026-06-19
   days on market $282,452 Active 27 DOM
2. 2026-06-18
   days on market $282,452 Active 26 DOM
3. 2026-06-17
   days on market $282,452 Active 25 DOM
4. 2026-06-16
   days on market $282,452 Active 24 DOM
5. 2026-06-15
   days on market $282,452 Active 23 DOM
6. 2026-06-14
   days on market $282,452 Active 21 DOM
7. 2026-06-13
   days on market $282,452 Active 20 DOM
8. 2026-06-10
   days on market $282,452 Active 18 DOM
9. 2026-06-09
   days on market $282,452 Active 17 DOM
10. 2026-06-08
    days on market $282,452 Active 16 DOM
11. 2026-06-07
    days on market $282,452 Active 15 DOM
12. 2026-06-05
    days on market $282,452 Active 12 DOM
13. 2026-06-03
    days on market $282,452 Active 11 DOM
14. 2026-06-02
    days on market $282,452 Active 10 DOM
15. 2026-06-01
    days on market $282,452 Active 9 DOM
16. 2026-05-31
    days on market $282,452 Active 8 DOM
17. 2026-05-30
    days on market $282,452 Active 7 DOM
18. 2026-04-17
    status Pending
19. 2026-04-11
    listed $249,900 Active
20. 2024-09-10
    soldstatus $269,900 Closed 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

21. 2024-08-12
    status Pending 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

22. 2024-08-08
    price $302,050 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

23. 2024-08-01
    price $269,900 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

24. 2024-07-31
    price $289,900 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

25. 2024-07-26
    price $269,900 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

26. 2024-07-12
    price $289,900 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

27. 2024-06-29
    price $302,050 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

28. 2024-05-10
    price $301,050 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

29. 2024-05-09
    price $311,050 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

30. 2024-04-01
    price $292,900 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

31. 2024-03-14
    price $297,900 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

32. 2024-01-15
    listed $307,900 Active 1218-char remark

    Show marketing remark (1218 chars)

    Come see our new home at 3143 Rachel Place in Southport, Florida at Hodges Bayou Plantation. The Aldridge is one of our one-story floorplans featured in our Hodges Bayou Plantation community in Southport, Florida. Featuring a front primary bedroom, 2 car garage, and open living room and kitchen, it is a cozy home designed for the first-time home buyer. As you enter this 3 bedroom, 2 bath home, you will see 1,272 square feet of spacious, comfortable living. Inside you will see 8' ceilings throughout, engineered vinyl plank flooring throughout the main areas, and soft carpet in the bedrooms. Quartz countertops, white cabinetry and a spacious open living room and kitchen make this home perfect for having guests over. The kitchen has a center island that is perfect for serving kids or guests, a nice size walk-in pantry and the stainless-steel appliances include smooth top range, microwave, and dishwasher. Located right next to the dining area, this makes serving meals with ease. The primary bedroom has a spacious walk-in closet. It also has its own bathroom and features a double vanity with quartz countertops and a shower. The guest bathroom features a single vanity with quartz countertops and a shower.

ⓘ 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: $3,120 · $260/mo
• Projected year-2 tax: $3,120 · $260/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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 9/10 Extreme 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,832
• − Mortgage interest: −$15,822
• − Property taxes: −$3,120
• − Insurance: −$2,210
• − Repairs & maintenance: −$1,747
• − Management: −$1,747
• − Depreciation: −$8,217
• Taxable loss: −$11,030
• Est. tax savings @ 24.0%: +$2,647
• After-tax cash flow: $-3,210/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: Bay
• NCES district ID: 1200090
• Math proficiency: 51% ▼ -8.00%
• Reading proficiency: 51% ▼ -7.00%
• Median HH income: $47,740
• Composite: 43.41/100
• National rank: #3014
• State rank: #29 of 73 in FL

Livability — Lynn Haven

• Score: 81/100
• State rank: #96
• US rank: #1472

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 21,459
• Population (ZIP): 10,941

Population outlook (Bay County) Hauer SSP2

• Today (2025): 206,264 people
• By 2030: 217,740 · +5.6%
• By 2040: 238,738 · +15.7%
• By 2050: 255,545 · +23.9%
• By 2075: 288,295 · +39.8%
• By 2100: 288,638 · +39.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Hispanic / Latino 7% Two or more races 4% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2%
• Common ancestry: Lithuanian 4% Slovak 3% Serbian 2%
• Foreign-born: 4% · Canada, Jamaica, South Korea
• Languages at home: 94% English-only · Spanish 4% Other Indo-European 1%

Political lean MEDSL · Bay

• 2024 margin: Solid R (+47.4) · D 25.8% · R 73.1% · Other 1.1%
• 2008→2024 swing: -6.6pp toward R · 2008: -40.7pp · 2024: -47.4pp
• All cycles: 2024: R+47.4 2020: R+43.5 2016: R+46.3 2012: R+43.6 2008: R+40.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 9.08%
• Current HPI: 391.06
• Rent YoY: —
• Metro: —
• 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

-18.8% since first listed

15 events — show timeline

• 2026-04-17 Pending — CPARMLS
• 2026-04-11 Listed $249,900 CPARMLS
• 2024-09-10 Sold (MLS) $269,900 CPARMLS
• 2024-08-12 Pending — CPARMLS
• 2024-08-08 Price Changed $302,050 CPARMLS
• 2024-08-01 Price Changed $269,900 CPARMLS
• 2024-07-31 Price Changed $289,900 CPARMLS
• 2024-07-26 Price Changed $269,900 CPARMLS
• 2024-07-12 Price Changed $289,900 CPARMLS
• 2024-06-29 Price Changed $302,050 CPARMLS
• 2024-05-10 Price Changed $301,050 CPARMLS
• 2024-05-09 Price Changed $311,050 CPARMLS
• 2024-04-01 Price Changed $292,900 CPARMLS
• 2024-03-14 Price Changed $297,900 CPARMLS
• 2024-01-15 Listed $307,900 CPARMLS

Property tax history

+324.1%/yr

Latest (2025): $3,120 · +337.7% YoY. Source: county tax records.