1072 Roseland Rd · Sebastian, FL 32958

$349,900

4 bd · 2.0 ba · 1,851 sqft · SingleFamily public records · 100 Days on market

Built 2024 10,454 sqft lot Est $374k · 6% under

---

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 +11.3/30.0
• ARV discount +10.4/15.0
• Schools +4.2/10.0
• Rent growth +4.1/5.0
• Livability +4.0/5.0
• 1% rule +3.5/10.0
• DSCR +3.3/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to 1072 Roseland Road in Sebastian -- a beautifully designed Cali model offering 4 bedrooms, 2 bathrooms, and a 2-car garage with over 1,800 sq ft of comfortable living space. This home features a spacious open-concept floor plan with a large kitchen island, walk-in pantry, and modern appliances, perfect for everyday living and entertaining. The primary suite offers plenty of space for king-size furniture along with an oversized walk-in closet and private bath. Enjoy tile flooring throughout the main living areas, Smart Home technology, and a covered lanai overlooking the backyard. Situated on a generous lot with room for a future pool and no HOA, this property offers both space and flexibility in a convenient Sebastian location close to shopping, dining, and the Indian River.

Key facts

• Large kitchen island
• Private bath
• Modern appliances

Tags

• OPEN-CONCEPT FLOOR PLAN
• LARGE KITCHEN ISLAND
• WALK-IN PANTRY
• MODERN APPLIANCES
• OVERSIZED WALK-IN CLOSET
• PRIVATE BATH

Property features AI

Finance

• Other: Pets allowed with no restrictions

Exterior

• Parking: Attached 2-car garage; 2 covered parking spaces (garage)
• Utilities: Public water; Septic tank sewer; Electricity connected; Water available
• Home design: Single family residence; One-story; Resale property; Faces northeast
• Construction: Concrete block with stucco construction; Shingle roof; Built using public records building area of 1,851 (living area) and total building area 2,400
• Exterior features: Not waterfront

Interior

• Kitchen: Disposal; Dishwasher; Electric range; Microwave
• Bedrooms: 4 bedrooms on the main level
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms, both on the main level
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Kitchen island; Walk-in closets; Split bedroom layout
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $350k.

Deal economics

• At list price, monthly cash flow is $-129 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $327k (6.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $296k (15.4% below list).
• Recommended offer: $296k (15.4% below list) — sets the bar for 1% rule.
• Cap rate 5.9% vs local median 4.4% in Sebastian — 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 81/100 on livability (#89 in FL, #1,421 nationally) — a professional / high-income tenant draw. Strengths: housing A+, crime A, health & safety A; Watch: amenities D-.
• Indian River (other): math 48% / reading 52% proficiency, ranked #35 of 73 in FL (top 48%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Sebastian Elementary School (math 37% / reading 42%, grade F, #1,513 of 2,144 statewide, top 73%, 329 students, 72% FRL); Sebastian River Middle School (math 46% / reading 44%, grade D, #310 of 571 statewide, top 56%, 862 students, 65% FRL); Sebastian River High School (math 29% / reading 45%, grade F, #340 of 667 statewide, top 52%, 1,843 students, 52% FRL).
• Market conditions: Rents rising fast (+6.2%/yr); 411 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 564 units permitted in Indian River County in 2024 (281 in 5+ unit buildings).
• At $2,959/mo this rent would consume 53% of the median local household income ($67k/yr) (locally 646% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Indian River County population projected at +18% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 100 days — a 9% lower offer ($318k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $295,918 (15.4% 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 100 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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 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: 0.85% ✗
• Cap rate: 5.85%
• Cash-on-cash: -1.58%
• DSCR: 0.93
• GRM: 9.9

CMA / ARV

• ARV (on-the-fly): $373,902
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
938 Riviera Ave	0.18mi	4/2.0	1,828 (-1%)	2mo	$375,000	$205	88
802 Lorca Ave	0.35mi	4/2.0	1,828 (-1%)	3mo	$379,000	$207	79
929 Devon Ave	0.35mi	4/2.0	1,828 (-1%)	4mo	$369,000	$202	78
744 Newhall Ter	0.44mi	4/2.0	1,828 (-1%)	5mo	$362,000	$198	73
1043 Landsdowne Dr	0.69mi	4/2.0	1,821 (-2%)	1mo	$366,000	$201	64
830 Cain St	0.54mi	3/2.0 (-1)	1,800 (-3%)	2mo	$320,000	$178	64
797 Helicon Ter	0.70mi	4/2.0	1,828 (-1%)	4mo	$380,000	$208	62
1121 Clearmont St	0.25mi	3/2.0 (-1)	1,600 (-14%)	4mo	$323,000	$202	57
702 Helicon Ter	0.73mi	3/2.5 (-1)	1,931 (+4%)	2mo	$435,000	$225	50
992 Seneca Ave	0.61mi	3/2.0 (-1)	2,017 (+9%)	3mo	$290,000	$144	49
402 Watercrest St	0.74mi	3/2.0 (-1)	1,711 (-8%)	2mo	$410,000	$240	46
493 Quarry Ln	0.73mi	3/2.0 (-1)	1,658 (-10%)	0mo	$305,000	$184	43

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 · 6.22% rent growth · sell at horizon

5-year hold

• IRR: -15.3%
• Equity multiple: 0.44×
• Total profit: $-54,951
• Equity at exit: $52,171

10-year hold

• IRR: -1.9%
• Equity multiple: 0.85×
• Total profit: $-14,746
• Equity at exit: $30,253

Cash invested: $97,972 (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 32958

• Home prices YoY: -13.1%
• Rents YoY: 6.2%
• Active inventory: 411
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,959 high
• Mortgage (P&I): −$1,835
• Tax from tax record: −$486 /mo · $5,834/yr
• Insurance: −$146
• HOA: −$0
• Vacancy / Maint / Mgmt: −$621
• Net cashflow: $-129

Break-even live

Break-even rent $3,123

Max offer price $327,092

Occupancy floor 99%

Sensitivity live

Price	-10% $69	-5% $-30	+0% $-129	+5% $-228	+10% $-327
Rent	-10% $-363	-5% $-246	+0% $-129	+5% $-12	+10% $105
Rate	-1.0pp $47	-0.5pp $-40	base $-129	+0.5pp $-220	+1.0pp $-312

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: $87,475
• Closing costs: $10,497
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
810 Jamaica Ave Sebastian, FL	4.0	2.0	1851	$3,000	$1.62	15d	1	0.22mi
1343 Shoreline Cir Sebastian, FL	3.0	2.0	2222	$4,000	$1.80	23d	1	0.35mi
865 Beard Ave Sebastian, FL	4.0	2.0	1934	$3,600	$1.86	23d	1	0.56mi
486 Biscayne Ln Sebastian, FL	4.0	2.0	1769	$2,250	$1.27	15d	1	0.69mi
1110 Barber St Sebastian, FL	3.0	2.0	1324	$2,200	$1.66	15d	1	0.74mi
632 Bayfront Ter Sebastian, FL	3.0	2.0	1885	$2,350	$1.25	15d	1	0.86mi
1192 Croquet Ln Sebastian, FL	4.0	2.0	2012	$2,640	$1.31	15d	1	0.87mi
324 Seaside Ter Sebastian, FL	3.0	2.0	2322	$2,200	$0.95	15d	1	1.06mi
832 Carnation Dr Sebastian, FL	3.0	2.0	1400	$2,800	$2.00	15d	1	1.09mi
1507 Ocean Cove St Sebastian, FL	3.0	2.0	1661	$2,100	$1.26	15d	1	1.28mi
136 Bellamy Trl Sebastian, FL	4.0	2.0	1893	$2,300	$1.22	23d	1	1.31mi
722 Carnival Ter Sebastian, FL	3.0	2.0	1430	$2,300	$1.61	15d	1	1.49mi

Listing history 37 events

1. 2026-06-22
   days on market $349,900 Active 100 DOM
2. 2026-06-19
   days on market $349,900 Active 98 DOM
3. 2026-06-18
   days on market $349,900 Active 97 DOM
4. 2026-06-17
   days on market $349,900 Active 96 DOM
5. 2026-06-16
   days on market $349,900 Active 95 DOM
6. 2026-06-15
   days on market $349,900 Active 94 DOM
7. 2026-06-14
   days on market $349,900 Active 92 DOM
8. 2026-06-13
   days on market $349,900 Active 91 DOM
9. 2026-06-10
   days on market $349,900 Active 89 DOM
10. 2026-06-09
    days on market $349,900 Active 88 DOM
11. 2026-06-08
    days on market $349,900 Active 87 DOM
12. 2026-06-07
    days on market $349,900 Active 86 DOM
13. 2026-06-05
    days on market $349,900 Active 83 DOM
14. 2026-06-02
    days on market $349,900 Active 81 DOM
15. 2026-06-01
    days on market $349,900 Active 80 DOM
16. 2026-05-31
    days on market $349,900 Active 79 DOM
17. 2026-05-30
    days on market $349,900 Active 78 DOM
18. 2026-05-13
    price $349,900

    Show marketing remark (647 chars)

    Welcome to 1072 Roseland Road in Sebastian, a beautifully designed Cali model featuring 4 bed, 2 bath & a 2-car garage w/ over 1,800 sq ft of living space. The open floor plan offers a spacious living & dining area, large kitchen island, walk-in pantry & modern appliances ideal for entertaining. The primary suite fits king-size furniture & includes an oversized walk-in closet & private bath. Tile flooring runs through the main areas, + Smart Home technology & a covered lanai overlooking the backyard. Generous lot w/ room for a future pool & no HOA, close to shopping, dining, & the Indian River

19. 2026-05-13
    price $349,900 795-char remark

    Show marketing remark (647 chars)

    Welcome to 1072 Roseland Road in Sebastian, a beautifully designed Cali model featuring 4 bed, 2 bath & a 2-car garage w/ over 1,800 sq ft of living space. The open floor plan offers a spacious living & dining area, large kitchen island, walk-in pantry & modern appliances ideal for entertaining. The primary suite fits king-size furniture & includes an oversized walk-in closet & private bath. Tile flooring runs through the main areas, + Smart Home technology & a covered lanai overlooking the backyard. Generous lot w/ room for a future pool & no HOA, close to shopping, dining, & the Indian River

20. 2026-05-13
    price $349,900 647-char remark

    Show marketing remark (647 chars)

    Welcome to 1072 Roseland Road in Sebastian, a beautifully designed Cali model featuring 4 bed, 2 bath & a 2-car garage w/ over 1,800 sq ft of living space. The open floor plan offers a spacious living & dining area, large kitchen island, walk-in pantry & modern appliances ideal for entertaining. The primary suite fits king-size furniture & includes an oversized walk-in closet & private bath. Tile flooring runs through the main areas, + Smart Home technology & a covered lanai overlooking the backyard. Generous lot w/ room for a future pool & no HOA, close to shopping, dining, & the Indian River

21. 2026-03-13
    listed $359,900 Active

    Show marketing remark (647 chars)

    Welcome to 1072 Roseland Road in Sebastian, a beautifully designed Cali model featuring 4 bed, 2 bath & a 2-car garage w/ over 1,800 sq ft of living space. The open floor plan offers a spacious living & dining area, large kitchen island, walk-in pantry & modern appliances ideal for entertaining. The primary suite fits king-size furniture & includes an oversized walk-in closet & private bath. Tile flooring runs through the main areas, + Smart Home technology & a covered lanai overlooking the backyard. Generous lot w/ room for a future pool & no HOA, close to shopping, dining, & the Indian River

22. 2026-03-13
    listed $359,900 Active 795-char remark

    Show marketing remark (647 chars)

    Welcome to 1072 Roseland Road in Sebastian, a beautifully designed Cali model featuring 4 bed, 2 bath & a 2-car garage w/ over 1,800 sq ft of living space. The open floor plan offers a spacious living & dining area, large kitchen island, walk-in pantry & modern appliances ideal for entertaining. The primary suite fits king-size furniture & includes an oversized walk-in closet & private bath. Tile flooring runs through the main areas, + Smart Home technology & a covered lanai overlooking the backyard. Generous lot w/ room for a future pool & no HOA, close to shopping, dining, & the Indian River

23. 2026-03-13
    listed $359,900 Active 647-char remark

    Show marketing remark (647 chars)

    Welcome to 1072 Roseland Road in Sebastian, a beautifully designed Cali model featuring 4 bed, 2 bath & a 2-car garage w/ over 1,800 sq ft of living space. The open floor plan offers a spacious living & dining area, large kitchen island, walk-in pantry & modern appliances ideal for entertaining. The primary suite fits king-size furniture & includes an oversized walk-in closet & private bath. Tile flooring runs through the main areas, + Smart Home technology & a covered lanai overlooking the backyard. Generous lot w/ room for a future pool & no HOA, close to shopping, dining, & the Indian River

24. 2025-01-09
    soldstatus $330,000 Closed
25. 2024-12-12
    status Pending
26. 2024-12-10
    price $339,000
27. 2024-10-17
    price $354,990
28. 2024-09-24
    price $359,990
29. 2024-09-23
    price $378,990
30. 2024-08-02
    price $364,990
31. 2024-07-22
    price $374,990
32. 2024-06-11
    price $379,990
33. 2024-05-15
    price $389,165
34. 2024-05-09
    price $384,165
35. 2024-04-01
    price $379,165
36. 2024-03-28
    listed $374,165 Active
37. 2022-10-06
    soldstatus $225,000

ⓘ 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: $5,834 · $486/mo
• Projected year-2 tax: $5,834 · $486/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 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 24 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $35,510
• − Mortgage interest: −$19,600
• − Property taxes: −$5,834
• − Insurance: −$1,750
• − Repairs & maintenance: −$2,841
• − Management: −$2,841
• − Depreciation: −$10,179
• Taxable loss: −$7,534
• Est. tax savings @ 24.0%: +$1,808
• After-tax cash flow: $259/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: Indian River
• NCES district ID: 1200930
• Math proficiency: 48% ▼ -9.00%
• Reading proficiency: 52% ▼ -3.00%
• Median HH income: $46,597
• Composite: 42.45/100
• National rank: #3218
• State rank: #35 of 73 in FL

Livability — Sebastian

• Score: 81/100
• State rank: #89
• US rank: #1421

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sebastian, FL
• County: Indian River County · 143,738 people
• City population: 30,023
• Metro: Sebastian-Vero Beach, FL
• Population (ZIP): 30,023
• Household income: $66,840
• Rent vs Own: 14.5% rent · 85.5% own
• Severe rent burden: 646.0

Population outlook (Indian River County) Hauer SSP2

• Today (2025): 165,104 people
• By 2030: 172,869 · +4.7%
• By 2040: 185,640 · +12.4%
• By 2050: 194,465 · +17.8%
• By 2075: 211,115 · +27.9%
• By 2100: 211,781 · +28.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 9% Two or more races 7% Black 2% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 3%
• Common ancestry: Lithuanian 4% Slovak 4% Romanian 3%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 91% English-only · Spanish 6% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Indian River

• 2024 margin: Strong R (+27.4) · D 36.0% · R 63.4%
• 2008→2024 swing: -12.5pp toward R · 2008: -14.8pp · 2024: -27.4pp
• All cycles: 2024: R+27.4 2020: R+21.6 2016: R+24.5 2012: R+22.3 2008: R+14.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -49.85%
• Current HPI: 330.1691
• Rent YoY: ▲ 6.22%
• Metro: Sebastian-Vero 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

+55.5% since first listed

20 events — show timeline

• 2026-05-13 Price Changed $349,900 Beaches MLS
• 2026-05-13 Price Changed $349,900 SCMLS
• 2026-05-13 Price Changed $349,900 RAIRCMLS
• 2026-03-13 Listed $359,900 RAIRCMLS
• 2026-03-13 Listed $359,900 SCMLS
• 2026-03-13 Listed $359,900 Beaches MLS
• 2025-01-09 Sold (MLS) $330,000 RAIRCMLS
• 2024-12-12 Pending — RAIRCMLS
• 2024-12-10 Price Changed $339,000 RAIRCMLS
• 2024-10-17 Price Changed $354,990 RAIRCMLS
• 2024-09-24 Price Changed $359,990 RAIRCMLS
• 2024-09-23 Price Changed $378,990 RAIRCMLS
• 2024-08-02 Price Changed $364,990 RAIRCMLS
• 2024-07-22 Price Changed $374,990 RAIRCMLS
• 2024-06-11 Price Changed $379,990 RAIRCMLS
• 2024-05-15 Price Changed $389,165 RAIRCMLS
• 2024-05-09 Price Changed $384,165 RAIRCMLS
• 2024-04-01 Price Changed $379,165 RAIRCMLS
• 2024-03-28 Listed $374,165 RAIRCMLS
• 2022-10-06 Sold (Public Records) $225,000 Public Records

Property tax history

+37.1%/yr

Latest (2025): $5,834 · +512.4% YoY. Source: county tax records.