17457 SE 76th Flintlock Ter · The Villages, FL 32162

$345,000

2 bd · 2.0 ba · 1,148 sqft · SingleFamily public records · 85 Days on market

Built 2003 6,534 sqft lot Est $311k · 11% over $204/mo HOA · 6% of rent

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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 +19.6/30.0
• DSCR +6.2/10.0
• 1% rule +5.7/10.0
• Schools +3.6/10.0
• Rent growth +3.5/5.0
• Livability +3.5/5.0
• ARV discount +2.6/15.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

A LITTLE SLICE OF HEAVEN RIGHT HERE IN THE VILLAGES!!! Adorable TURNKEY Austin that backs up to a farm! Beautiful Oak Trees and an outdoor kitchen makes this beautiful home very peaceful and relaxing. The 20 X 12 screened lanai with beautiful furniture and a gas firepit is the perfect place to entertain or nap! The front yard has beautiful stacked landscaping and a patio that leads you to the front door. Tastefully furnished and freshly painted. Move-in ready! Just bring your clothes and toothbrush! BOND PAID! BRAND NEW ROOF! HWH 2014, AIR HANDLER 2024. Stainless appliances, new light fixtures and a Barn Door to the guest room and bathroom provides privacy for guests. You are walking distance to Chatham Rec Center and the beautiful Executive Courses Oakleigh and Amberwood. Nancy Lopez Legacy Country Club is a 5 minute golf cart ride as is Mulberry Grove Rec Center and Shopping Center. This one won't last! Call me for a private showing!

Key facts

• Screened lanai
• Leaf filter gutters
• Barn door

Tags

• OUTDOOR KITCHEN
• SCREENED LANAI
• LEAF FILTER GUTTERS
• BARN DOOR

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $345k.

Deal economics

• At list price, monthly cash flow is $396 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $345k).
• Recommended offer: $324k (6.0% below list) — sets the bar for market timing.
• Cap rate 7.7% vs local median 5.0% in The Villages — 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 70/100 on livability (#431 in FL) — a middle-class / working-renter tenant base. Strengths: schools A+, crime A+, housing A; Watch: amenities F, commute F, health & safety F.
• Marion (rural): math 42% / reading 43% proficiency, ranked #61 of 73 in FL (top 84%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+3.9%/yr); 550 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• At $3,676/mo this rent would consume 60% of the median local household income ($74k/yr) (locally 987% 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.
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 85 days — a 6% lower offer ($324k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 13y ago; this cycle's ask has dropped $25k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate 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 $324,300 (6.0% below list)

Questions for the listing agent

1. It's been on market 85 days. Have you received any prior offers? Is the seller open to a 6% 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. 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 A-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. 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: 1.07% ✓
• Cap rate: 7.67%
• Cash-on-cash: 4.92%
• DSCR: 1.22
• GRM: 7.8

CMA / ARV

• ARV (on-the-fly): $311,108
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
17385 SE 76th Champion Ave	0.16mi	2/2.0	1,125 (-2%)	13mo	$305,000	$271	78
17400 SE 77th Sycamore Ave	0.24mi	2/2.0	1,198 (+4%)	8mo	$239,000	$199	75
17126 SE 78th Larchmont Ct	0.46mi	2/2.0	1,229 (+7%)	14mo	$352,000	$286	55

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 · 3.92% rent growth · sell at horizon

5-year hold

• IRR: -7.5%
• Equity multiple: 0.72×
• Total profit: $-27,107
• Equity at exit: $51,441

10-year hold

• IRR: 3.3%
• Equity multiple: 1.25×
• Total profit: $23,777
• Equity at exit: $29,829

Cash invested: $96,600 (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 32162

• Home prices YoY: -6.9%
• Rents YoY: 3.9%
• Active inventory: 550
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $3,676 medium
• Mortgage (P&I): −$1,809
• Tax from tax record: −$351 /mo · $4,211/yr
• Insurance: −$144
• HOA: −$204
• Vacancy / Maint / Mgmt: −$772
• Net cashflow: $396

Break-even live

Break-even rent $3,175

Max offer price $345,000

Occupancy floor 84%

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: $86,250
• Closing costs: $10,350
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7630 SE 174th Gaillard Pl The Villages, FL	2.0	2.0	1265	$4,500	$3.56	21d	1	0.13mi
17442 SE 79th Lovewood Ave The Villages, FL	2.0	2.0	1148	$4,500	$3.92	21d	1	0.43mi
17400 SE 82nd Roslyn Ct The Villages, FL	2.0	2.0	1138	$4,700	$4.13	21d	1	0.75mi
17324 SE 82nd Pecan Ter The Villages, FL	2.0	2.0	1358	$2,500	$1.84	21d	1	0.79mi
8544 SE 177th Bartram Loop The Villages, FL	2.0	2.0	1265	$1,900	$1.50	21d	1	0.98mi

HOA detail

• Monthly dues: $204 · $2,448/yr
• Likely covers: gaslandscaping

Listing history 17 events

1. 2026-04-18
   status Pending
2. 2026-04-15
   price $345,000
3. 2026-03-10
   price $355,000
4. 2026-02-27
   price $358,000
5. 2026-02-18
   price $364,900
6. 2026-01-23
   listed $369,900 Active
7. 2024-12-18
   soldstatus $325,000 Closed 958-char remark

   Show marketing remark (958 chars)

   A LITTLE SLICE OF HEAVEN RIGHT HERE IN THE VILLAGES!!! Adorable TURNKEY Austin that backs up to a farm! Beautiful Oak Trees and an outdoor kitchen makes this beautiful home very peaceful and relaxing. The 20 X 12 screened lanai with beautiful furniture and a gas firepit is the perfect place to entertain or nap! The front yard has beautiful stacked landscaping and a patio that leads you to the front door. Tastefully furnished and freshly painted. Move-in ready! Just bring your clothes and toothbrush! BOND PAID! BRAND NEW ROOF! HWH 2014, AIR HANDLER 2024. Stainless appliances, new light fixtures and a Barn Door to the guest room and bathroom provides privacy for guests. You are walking distance to Chatham Rec Center and the beautiful Executive Courses Oakleigh and Amberwood. Nancy Lopez Legacy Country Club is a 5 minute golf cart ride as is Mulberry Grove Rec Center and Shopping Center. This one won't last! Call me for a private showing!

8. 2024-11-15
   status Pending 958-char remark

   Show marketing remark (958 chars)

   A LITTLE SLICE OF HEAVEN RIGHT HERE IN THE VILLAGES!!! Adorable TURNKEY Austin that backs up to a farm! Beautiful Oak Trees and an outdoor kitchen makes this beautiful home very peaceful and relaxing. The 20 X 12 screened lanai with beautiful furniture and a gas firepit is the perfect place to entertain or nap! The front yard has beautiful stacked landscaping and a patio that leads you to the front door. Tastefully furnished and freshly painted. Move-in ready! Just bring your clothes and toothbrush! BOND PAID! BRAND NEW ROOF! HWH 2014, AIR HANDLER 2024. Stainless appliances, new light fixtures and a Barn Door to the guest room and bathroom provides privacy for guests. You are walking distance to Chatham Rec Center and the beautiful Executive Courses Oakleigh and Amberwood. Nancy Lopez Legacy Country Club is a 5 minute golf cart ride as is Mulberry Grove Rec Center and Shopping Center. This one won't last! Call me for a private showing!

9. 2024-09-25
   listed $334,000 Active 958-char remark

   Show marketing remark (958 chars)

   A LITTLE SLICE OF HEAVEN RIGHT HERE IN THE VILLAGES!!! Adorable TURNKEY Austin that backs up to a farm! Beautiful Oak Trees and an outdoor kitchen makes this beautiful home very peaceful and relaxing. The 20 X 12 screened lanai with beautiful furniture and a gas firepit is the perfect place to entertain or nap! The front yard has beautiful stacked landscaping and a patio that leads you to the front door. Tastefully furnished and freshly painted. Move-in ready! Just bring your clothes and toothbrush! BOND PAID! BRAND NEW ROOF! HWH 2014, AIR HANDLER 2024. Stainless appliances, new light fixtures and a Barn Door to the guest room and bathroom provides privacy for guests. You are walking distance to Chatham Rec Center and the beautiful Executive Courses Oakleigh and Amberwood. Nancy Lopez Legacy Country Club is a 5 minute golf cart ride as is Mulberry Grove Rec Center and Shopping Center. This one won't last! Call me for a private showing!

10. 2017-03-29
    soldstatus $185,000
11. 2017-03-27
    soldstatus $185,000 1464-char remark

    Show marketing remark (1464 chars)

    The setting for this home is fantastic; it just doesn’t get better. Privacy in the back with a great view from the 12’ by 20’ screened lanai, from the dining room and from the window over the sink in the kitchen. This Turnkey Austin has no Bond and is located in The Village of Chatham close to the recreation center and pool. It has a concrete pad for grilling. The 1 1/2 car garage accommodates a car and golf cart and has a washer and dryer and a laundry tub. The home has a gas furnace and hot water tank (replaced in 2014). It is an open floor plan and the living room, dining room and kitchen have cathedral ceilings. There are 6 panel doors throughout and it’s furnished with Florida style furniture. It also has berba carpet in the LR, DR and BRs. Kitchen features include new stainless steel microwave above the range, one year old stainless steel gas range, refrigerator and dishwasher, disposal, dishes, flatware and cooking pots and pans. The master suite has a sliding glass door to the lanai and is furnished with a queen sized bed. It also includes a large walk in closet, cabinets with a large countertop and in a separate room there is a shower, toilet and linen closet. This is a split BR home and the guest BR is also furnished with a queen sized bed and wicker furniture. Next to the BR is a linen closet and then the hall bath. This bath also has a large countertop and combination tub/shower. TURNKEY & NO BOND!!

12. 2017-03-27
    soldstatus $185,000

    Show marketing remark (1464 chars)

    The setting for this home is fantastic; it just doesn’t get better. Privacy in the back with a great view from the 12’ by 20’ screened lanai, from the dining room and from the window over the sink in the kitchen. This Turnkey Austin has no Bond and is located in The Village of Chatham close to the recreation center and pool. It has a concrete pad for grilling. The 1 1/2 car garage accommodates a car and golf cart and has a washer and dryer and a laundry tub. The home has a gas furnace and hot water tank (replaced in 2014). It is an open floor plan and the living room, dining room and kitchen have cathedral ceilings. There are 6 panel doors throughout and it’s furnished with Florida style furniture. It also has berba carpet in the LR, DR and BRs. Kitchen features include new stainless steel microwave above the range, one year old stainless steel gas range, refrigerator and dishwasher, disposal, dishes, flatware and cooking pots and pans. The master suite has a sliding glass door to the lanai and is furnished with a queen sized bed. It also includes a large walk in closet, cabinets with a large countertop and in a separate room there is a shower, toilet and linen closet. This is a split BR home and the guest BR is also furnished with a queen sized bed and wicker furniture. Next to the BR is a linen closet and then the hall bath. This bath also has a large countertop and combination tub/shower. TURNKEY & NO BOND!!

13. 2016-12-12
    listed $189,900 1464-char remark

    Show marketing remark (1464 chars)

    The setting for this home is fantastic; it just doesn’t get better. Privacy in the back with a great view from the 12’ by 20’ screened lanai, from the dining room and from the window over the sink in the kitchen. This Turnkey Austin has no Bond and is located in The Village of Chatham close to the recreation center and pool. It has a concrete pad for grilling. The 1 1/2 car garage accommodates a car and golf cart and has a washer and dryer and a laundry tub. The home has a gas furnace and hot water tank (replaced in 2014). It is an open floor plan and the living room, dining room and kitchen have cathedral ceilings. There are 6 panel doors throughout and it’s furnished with Florida style furniture. It also has berba carpet in the LR, DR and BRs. Kitchen features include new stainless steel microwave above the range, one year old stainless steel gas range, refrigerator and dishwasher, disposal, dishes, flatware and cooking pots and pans. The master suite has a sliding glass door to the lanai and is furnished with a queen sized bed. It also includes a large walk in closet, cabinets with a large countertop and in a separate room there is a shower, toilet and linen closet. This is a split BR home and the guest BR is also furnished with a queen sized bed and wicker furniture. Next to the BR is a linen closet and then the hall bath. This bath also has a large countertop and combination tub/shower. TURNKEY & NO BOND!!

14. 2016-12-12
    listed $189,900

    Show marketing remark (1464 chars)

    The setting for this home is fantastic; it just doesn’t get better. Privacy in the back with a great view from the 12’ by 20’ screened lanai, from the dining room and from the window over the sink in the kitchen. This Turnkey Austin has no Bond and is located in The Village of Chatham close to the recreation center and pool. It has a concrete pad for grilling. The 1 1/2 car garage accommodates a car and golf cart and has a washer and dryer and a laundry tub. The home has a gas furnace and hot water tank (replaced in 2014). It is an open floor plan and the living room, dining room and kitchen have cathedral ceilings. There are 6 panel doors throughout and it’s furnished with Florida style furniture. It also has berba carpet in the LR, DR and BRs. Kitchen features include new stainless steel microwave above the range, one year old stainless steel gas range, refrigerator and dishwasher, disposal, dishes, flatware and cooking pots and pans. The master suite has a sliding glass door to the lanai and is furnished with a queen sized bed. It also includes a large walk in closet, cabinets with a large countertop and in a separate room there is a shower, toilet and linen closet. This is a split BR home and the guest BR is also furnished with a queen sized bed and wicker furniture. Next to the BR is a linen closet and then the hall bath. This bath also has a large countertop and combination tub/shower. TURNKEY & NO BOND!!

15. 2013-12-02
    soldstatus $169,000
16. 2013-11-21
    soldstatus $169,000
17. 2013-11-02
    listed $169,000

ⓘ 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: $4,211 · $351/mo
• Projected year-2 tax: $4,211 · $351/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $44,113
• − Mortgage interest: −$19,325
• − Property taxes: −$4,211
• − Insurance: −$1,725
• − Repairs & maintenance: −$3,529
• − Management: −$3,529
• − HOA: −$2,448
• − Depreciation: −$10,036
• Taxable loss: −$691
• Est. tax savings @ 24.0%: +$166
• After-tax cash flow: $4,920/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: Marion
• NCES district ID: 1201260
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $40,015
• Composite: 35.61/100
• National rank: #4890
• State rank: #61 of 73 in FL

Livability — The Villages

• Score: 70/100
• State rank: #431
• US rank: #7363

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: The Villages, FL
• County: Sumter County · 110,591 people
• City population: 83,973
• Metro: The Villages, FL
• Population (ZIP): 55,424
• Household income: $74,119
• Rent vs Own: 7.1% rent · 92.9% own
• Severe rent burden: 987.0

Population outlook (Marion County) Hauer SSP2

• Today (2025): 365,905 people
• By 2030: 376,768 · +3.0%
• By 2040: 396,555 · +8.4%
• By 2050: 412,723 · +12.8%
• By 2075: 446,090 · +21.9%
• By 2100: 436,193 · +19.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 2% Hispanic / Latino 2% Asian 1% Black 1%
• Common ancestry: Romanian 7% Slovak 4% Lithuanian 4%
• Foreign-born: 5% · Canada
• Languages at home: 96% English-only · Spanish 1% Tagalog/Filipino 1%

Political lean MEDSL · Marion

• 2024 margin: Solid R (+31.6) · D 33.8% · R 65.5%
• 2008→2024 swing: -20.0pp toward R · 2008: -11.6pp · 2024: -31.6pp
• All cycles: 2024: R+31.6 2020: R+25.9 2016: R+26.2 2012: R+16.2 2008: R+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -16.16%
• Current HPI: 218.1956
• Rent YoY: ▲ 3.92%
• Metro: The Villages, 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

+104.1% since first listed

17 events — show timeline

• 2026-04-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-15 Price Changed $345,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-10 Price Changed $355,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-27 Price Changed $358,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Price Changed $364,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-23 Listed $369,900 Stellar MLS as Distributed by MLS Grid
• 2024-12-18 Sold (MLS) $325,000 Stellar MLS as Distributed by MLS Grid
• 2024-11-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-09-25 Listed $334,000 Stellar MLS as Distributed by MLS Grid
• 2017-03-29 Sold (Public Records) $185,000 Public Records
• 2017-03-27 Sold (MLS) $185,000 Stellar MLS as Distributed by MLS Grid
• 2017-03-27 Sold (MLS) $185,000 Stellar MLS as Distributed by MLS Grid
• 2016-12-12 Listed $189,900 Stellar MLS as Distributed by MLS Grid
• 2016-12-12 Listed $189,900 Stellar MLS as Distributed by MLS Grid
• 2013-12-02 Sold (Public Records) $169,000 Public Records
• 2013-11-21 Sold (MLS) $169,000 Stellar MLS as Distributed by MLS Grid
• 2013-11-02 Listed $169,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+4.3%/yr

Latest (2025): $4,211 · +1.6% YoY. Source: county tax records.