2811 SW Archer Rd Unit F46 · Gainesville, FL 32608

$85,000

1 bd · 1.0 ba · 876 sqft · Condo public records · 59 Days on market

Built 1985 $325/mo HOA · 23% of rent

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Why this score? — see what drove the C+ 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 +24.4/30.0
• 1% rule +10.0/10.0
• DSCR +7.9/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +4.0/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great Location & Move In Ready. This clean, well maintained unit has updated Appliances, Fixtures & Tile. Spacious Master BR, 2nd BR comes complete with built ins. Complex boasts Fitness Center Clubhouse & Pool. Association fees cover Hazard Insurance, Free Water & High Speed Internet. Very close to UF, Shands, Vet School, Shopping & Restaurants and it''s right on main Busline. 5+ Units.

Key facts

• Refreshing pool
• Exercise room
• Enclosed studio

Tags

• PRIVATE SCREENED BALCONY
• NEWER CENTRAL AC SYSTEM
• ENCLOSED STUDIO
• REFRESHING POOL
• CLUBHOUSE WITH A GAME ROOM
• EXERCISE ROOM

Property features AI

Finance

• Other: CDD present; Development: Brandywine
• Financial info: Total annual fees: $3,900; No lease/restriction information reported
• HOA & community: Monthly condo/HOA fee of $325 (management included); On-site university management; Community clubhouse; Cats and dogs allowed

Exterior

• Parking: No parking details listed
• Security: No security features listed
• Utilities: Public water; Public sewer; Public utilities
• Home design: Condominium; One story; Faces east
• Construction: Stucco and vinyl siding exterior; Shingle roof; Slab foundation; Building/Unit F46
• Exterior features: Paved road access; No waterfront or water view

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bedrooms: 1 bedroom
• Flooring: Ceramic tile; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: No additional interior features listed
• Laundry & utility: Inside laundry

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $85k.

Deal economics

• At list price, monthly cash flow is $173 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $85k).
• Recommended offer: $82k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 81/100 on livability (#97 in FL, #1,480 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D+, crime F.
• Alachua (urban): math 49% / reading 54% proficiency, ranked #30 of 73 in FL (top 41%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Idylwild Elementary School (math 30% / reading 29%, grade F, #1,896 of 2,144 statewide, top 90%, 533 students, 78% FRL); Kanapaha Middle School (math 54% / reading 54%, grade B-, #196 of 571 statewide, top 36%, 1,094 students, 53% FRL); Eastside High School (math 29% / reading 56%, grade F, #264 of 667 statewide, top 41%, 1,220 students, 56% FRL).
• Market conditions: Rents rising (+2.9%/yr); 604 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 1,774 units permitted in Alachua County in 2024 (984 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $588 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Alachua County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 59 days — a 3% lower offer ($82k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 20y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $58k; 46% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: HOA is 23% of rent.

Recommended offer $82,450 (3.0% below list)

Questions for the listing agent

1. It's been on market 59 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. 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?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. 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.
8. 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.
9. 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: 1.65% ✓
• Cap rate: 8.74%
• Cash-on-cash: 8.74%
• DSCR: 1.39
• GRM: 5.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.89% rent growth · sell at horizon

5-year hold

• IRR: -3.0%
• Equity multiple: 0.89×
• Total profit: $-2,654
• Equity at exit: $12,674

10-year hold

• IRR: 6.8%
• Equity multiple: 1.51×
• Total profit: $12,224
• Equity at exit: $7,349

Cash invested: $23,800 (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 32608

• Rents YoY: 2.9%
• Active inventory: 604
• Price-to-rent: 5.0×

Monthly cashflow live

• Estimated rent: $1,403 medium
• Mortgage (P&I): −$446
• Tax from tax record: −$129 /mo · $1,543/yr
• Insurance: −$35
• HOA: −$325
• Vacancy / Maint / Mgmt: −$295
• Net cashflow: $173

Break-even live

Break-even rent $1,183

Max offer price $85,000

Occupancy floor 83%

Sensitivity live

Price	-10% $221	-5% $197	+0% $173	+5% $149	+10% $125
Rent	-10% $63	-5% $118	+0% $173	+5% $229	+10% $284
Rate	-1.0pp $216	-0.5pp $195	base $173	+0.5pp $151	+1.0pp $129

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: $21,250
• Closing costs: $2,550
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4455 SW 34th St Gainesville, FL	1.0–3.0	1.0–3.0	1033	$1,569	$1.52	15d	28	1.20mi

HOA detail condo

• Monthly dues: $325 · $3,900/yr
• Likely covers: waterinternetinsurancepoolgym
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 29 events

1. 2026-06-21
   days on market $85,000 Active 59 DOM
2. 2026-06-18
   days on market $85,000 Active 56 DOM
3. 2026-06-17
   days on market $85,000 Active 55 DOM
4. 2026-06-16
   days on market $85,000 Active 54 DOM
5. 2026-06-15
   days on market $85,000 Active 53 DOM
6. 2026-06-14
   days on market $85,000 Active 51 DOM
7. 2026-06-13
   days on market $85,000 Active 50 DOM
8. 2026-06-10
   days on market $85,000 Active 48 DOM
9. 2026-06-09
   days on market $85,000 Active 47 DOM
10. 2026-06-08
    days on market $85,000 Active 46 DOM
11. 2026-06-07
    days on market $85,000 Active 45 DOM
12. 2026-06-05
    days on market $85,000 Active 42 DOM
13. 2026-06-03
    days on market $85,000 Active 41 DOM
14. 2026-06-02
    days on market $85,000 Active 40 DOM
15. 2026-06-01
    days on market $85,000 Active 39 DOM
16. 2026-05-31
    days on market $85,000 Active 38 DOM
17. 2026-05-30
    days on market $85,000 Active 37 DOM
18. 2026-04-23
    listed $85,000 Active 1465-char remark
19. 2024-07-01
    soldstatus $58,200
20. 2015-06-01
    soldstatus $52,000 420-char remark

    Show marketing remark (420 chars)

    Great Location & Move In Ready. This clean, well maintained unit has updated Appliances, Fixtures & Tile. Spacious Master BR, 2nd BR comes complete with built ins. Complex boasts Fitness Center Clubhouse & Pool. Association fees cover Hazard Insurance, Free Water & High Speed Internet. Very close to UF, Shands, Vet School, Shopping & Restaurants and it''s right on main Busline. 5+ Units.

21. 2015-06-01
    soldstatus $52,000

    Show marketing remark (420 chars)

    Great Location & Move In Ready. This clean, well maintained unit has updated Appliances, Fixtures & Tile. Spacious Master BR, 2nd BR comes complete with built ins. Complex boasts Fitness Center Clubhouse & Pool. Association fees cover Hazard Insurance, Free Water & High Speed Internet. Very close to UF, Shands, Vet School, Shopping & Restaurants and it''s right on main Busline. 5+ Units.

22. 2015-02-17
    listed $54,900 420-char remark

    Show marketing remark (420 chars)

    Great Location & Move In Ready. This clean, well maintained unit has updated Appliances, Fixtures & Tile. Spacious Master BR, 2nd BR comes complete with built ins. Complex boasts Fitness Center Clubhouse & Pool. Association fees cover Hazard Insurance, Free Water & High Speed Internet. Very close to UF, Shands, Vet School, Shopping & Restaurants and it''s right on main Busline. 5+ Units.

23. 2010-10-15
    soldstatus $40,000

    Show marketing remark (527 chars)

    Pride of ownership shows! This unit is extremely clean and updated with appliances, fixtures, bath vanity, tile; you really should see for yourself! Large master bedroom, second bedroom has study space and built in shelves. Peaceful view off the balcony. This is a well maintained complex with lovely grounds, fitness center, clubhouse and pool too! Convenient to all things UF, Shands, Vet School, shopping, restaurants, on a great bus line for easy commutes. BRING ALL OFFERS! All parties are motivated! 5+ Units. Short Sale.

24. 2010-07-02
    listed $49,900

    Show marketing remark (527 chars)

    Pride of ownership shows! This unit is extremely clean and updated with appliances, fixtures, bath vanity, tile; you really should see for yourself! Large master bedroom, second bedroom has study space and built in shelves. Peaceful view off the balcony. This is a well maintained complex with lovely grounds, fitness center, clubhouse and pool too! Convenient to all things UF, Shands, Vet School, shopping, restaurants, on a great bus line for easy commutes. BRING ALL OFFERS! All parties are motivated! 5+ Units. Short Sale.

25. 2007-01-04
    soldstatus $82,500
26. 2006-12-15
    soldstatus $82,500
27. 2006-10-16
    listed $85,000
28. 2002-07-16
    soldstatus $32,000
29. 1985-10-01
    soldstatus $43,400

ⓘ 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: $1,543 · $129/mo
• Projected year-2 tax: $1,543 · $129/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $16,832
• − Mortgage interest: −$4,761
• − Property taxes: −$1,543
• − Insurance: −$425
• − Repairs & maintenance: −$1,347
• − Management: −$1,347
• − HOA: −$3,900
• − Depreciation: −$2,473
• Taxable income: $1,037
• Est. tax owed @ 24.0%: −$249
• After-tax cash flow: $1,831/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: Alachua
• NCES district ID: 1200030
• Math proficiency: 49% ▼ -9.00%
• Reading proficiency: 54% ▼ -3.00%
• Median HH income: $42,683
• Composite: 43.31/100
• National rank: #3038
• State rank: #30 of 73 in FL

Livability — Gainesville

• Score: 81/100
• State rank: #97
• US rank: #1480

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Gainesville, FL
• County: Alachua County · 218,005 people
• City population: 188,348
• Metro: Gainesville, FL
• Population (ZIP): 54,566
• Household income: $61,588
• Rent vs Own: 58.7% rent · 41.3% own
• Severe rent burden: 4709.0

Population outlook (Alachua County) Hauer SSP2

• Today (2025): 289,834 people
• By 2030: 305,873 · +5.5%
• By 2040: 335,246 · +15.7%
• By 2050: 364,719 · +25.8%
• By 2075: 436,665 · +50.7%
• By 2100: 482,920 · +66.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: White 55% Hispanic / Latino 16% Black 13% Asian 12% Two or more races 11%
• Hispanic origin (detail): Mexican 2% Puerto Rican 4% Cuban 4%
• Common ancestry: Slovak 2% Italian 2% Romanian 2%
• Foreign-born: 19% · Canada, China, South Korea
• Languages at home: 75% English-only · Spanish 10% Other Indo-European 5% Chinese 3%

Political lean MEDSL · Alachua

• 2024 margin: Strong D (+21.0) · D 59.7% · R 38.8% · Other 1.5%
• 2008→2024 swing: -0.6pp no change · 2008: 21.6pp · 2024: 21.0pp
• All cycles: 2024: D+21.0 2020: D+27.2 2016: D+22.5 2012: D+17.3 2008: D+21.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -150.91%
• Current HPI: 253.0629
• Rent YoY: ▲ 2.89%
• Metro: Gainesville, 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

+95.9% since first listed

12 events — show timeline

• 2026-04-23 Listed $85,000 Stellar MLS as Distributed by MLS Grid
• 2024-07-01 Sold (Public Records) $58,200 Public Records
• 2015-06-01 Sold (Public Records) $52,000 Public Records
• 2015-06-01 Sold (MLS) $52,000 Stellar MLS as Distributed by MLS Grid
• 2015-02-17 Listed $54,900 Stellar MLS as Distributed by MLS Grid
• 2010-10-15 Sold (MLS) $40,000 Stellar MLS as Distributed by MLS Grid
• 2010-07-02 Listed $49,900 Stellar MLS as Distributed by MLS Grid
• 2007-01-04 Sold (Public Records) $82,500 Public Records
• 2006-12-15 Sold (MLS) $82,500 Stellar MLS as Distributed by MLS Grid
• 2006-10-16 Listed $85,000 Stellar MLS as Distributed by MLS Grid
• 2002-07-16 Sold (Public Records) $32,000 Public Records
• 1985-10-01 Sold (Public Records) $43,400 Public Records

Property tax history

+5.8%/yr

Latest (2025): $1,543 · -3.7% YoY. Source: county tax records.