20 Vista Gardens Trl #204 · Vero Beach South, FL 32962

$84,999

1 bd · 1.0 ba · 630 sqft · Condo public records · 386 Days on market

Built 1981 $465/mo HOA · 33% 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 +20.9/30.0
• 1% rule +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +6.7/10.0
• Schools +4.2/10.0
• Livability +3.9/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

Key facts

• Quartz countertops
• Lake views
• Screened lanai

Tags

• LAKE VIEWS
• GOLF COURSE VIEWS
• QUARTZ COUNTERTOPS
• SOFT CLOSE CABINETS
• LUXURY VINYL FLOORS
• SCREENED LANAI

Property features AI

Finance

• Other: Public-record living area: 630
• Financial info: Not a pet-friendly community (pets not allowed); Property is part of a senior community
• HOA & community: Homeowners association with monthly fee; HOA amenities include billiard room, clubhouse, fitness center, golf course access, park, pool, bocce ball, community room, library; Monthly HOA fee

Exterior

• Parking: Assigned covered carport (1 space)
• Utilities: Three-phase electric; Cable available; Public water available
• Home design: Condominium; Resale property; Two-story building; Building faces east; Unit in building number 20
• Construction: Block and concrete construction; Built as part of a multi-story building
• Exterior features: Not waterfront

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator
• Bedrooms: One bedroom on the main level
• Flooring: Vinyl flooring
• Bathrooms: One full bathroom on the main level
• Heating & cooling: Central heating; Central air; Ceiling fan(s)
• Interior features: Closet cabinetry; Unfurnished

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 $52 ($627/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: $75k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 4.3% in Vero Beach South — 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 78/100 on livability (#163 in FL, #2,445 nationally) — a middle-class / working-renter tenant base. Strengths: commute A+, housing A+, health & safety A; Watch: amenities F.
• 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: Vero Beach Elementary School (math 39% / reading 36%, grade F, #1,596 of 2,144 statewide, top 75%, 599 students, 80% FRL); Oslo Middle School (math 39% / reading 45%, grade D-, #340 of 571 statewide, top 61%, 864 students, 72% FRL); Vero Beach High School (math 28% / reading 43%, grade F, #367 of 667 statewide, top 57%, 2,847 students, 50% FRL).
• Market conditions: Rents rising fast (+4.2%/yr); 348 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 564 units permitted in Indian River County in 2024 (281 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $587 of loan paydown is wiped out by about $3k 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 386 days — a 12% lower offer ($75k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y ago; this cycle's ask is 87528% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo; HOA is 33% of rent.
• Climate carrying-cost: severe flood risk; 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 $74,799 (12.0% below list)

Questions for the listing agent

1. It's been on market 386 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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: 1.67% ✓
• Cap rate: 7.97%
• Cash-on-cash: 5.98%
• DSCR: 1.27
• GRM: 5.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 4.18% rent growth · sell at horizon

5-year hold

• IRR: -9.5%
• Equity multiple: 0.65×
• Total profit: $-8,427
• Equity at exit: $12,674

10-year hold

• IRR: 2.9%
• Equity multiple: 1.23×
• Total profit: $5,388
• 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 32962

• Rents YoY: 4.2%
• Active inventory: 348
• Price-to-rent: 5.0×

Monthly cashflow live

• Estimated rent: $1,418 high
• Mortgage (P&I): −$446
• Tax from tax record: −$55 /mo · $660/yr
• Insurance: −$35
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$465
• Vacancy / Maint / Mgmt: −$298
• Net cashflow: $52

Break-even live

Break-even rent $1,351

Max offer price $84,999

Occupancy floor 91%

Sensitivity live

Price	-10% $100	-5% $76	+0% $52	+5% $28	+10% $4
Rent	-10% $-60	-5% $-4	+0% $52	+5% $108	+10% $164
Rate	-1.0pp $95	-0.5pp $74	base $52	+0.5pp $30	+1.0pp $8

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 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
23 Vista Gardens Trl #203 Vero Beach, FL	1.0	1.5	750	$1,500	$2.00	22d	1	0.07mi
15 Vista Gardens Trl #104 Vero Beach, FL	1.0	1.0	630	$1,300	$2.06	14d	1	0.11mi
26 Vista Gardens Trl #203 Vero Beach, FL	1.0	1.5	750	$1,350	$1.80	22d	1	0.18mi
33 Vista Gardens Trl #104 Vero Beach, FL	1.0	1.0	630	$1,500	$2.38	14d	1	0.19mi
43 Vista Gardens Trl #205 Vero Beach, FL	1.0	1.5	750	$1,450	$1.93	22d	1	0.22mi
102 Royal Oak Dr #105 Vero Beach, FL	1.0	1.5	750	$1,550	$2.07	22d	1	0.37mi
101 Spring Lake Dr #204 Vero Beach, FL	1.0	1.0	630	$1,275	$2.02	22d	1	0.41mi
441 7th Pl #441 Vero Beach, FL	1.0	1.0	550	$1,250	$2.27	22d	1	0.44mi
462 7th Pl Vero Beach, FL	1.0	1.0	550	$1,400	$2.55	22d	1	0.47mi
95 Spring Lake Dr #103 Vero Beach, FL	1.0	1.5	750	$1,600	$2.13	22d	1	0.49mi
74 Royal Oak Ct #204 Vero Beach, FL	1.0	1.0	630	$1,175	$1.87	22d	1	0.51mi
522 7th Pl Unit 522 Vero Beach, FL	1.0	1.0	550	$1,500	$2.73	22d	1	0.52mi
85 Crooked Tree Ln #203 Vero Beach, FL	1.0	1.5	750	$1,450	$1.93	22d	1	0.56mi
60 Woodland Dr #204 Vero Beach, FL	1.0	1.0	630	$1,250	$1.98	14d	1	0.68mi
60 Woodland Dr Vero Beach, FL	1.0	1.0	630	$1,125	$1.79	22d	1	0.68mi
52 Woodland Dr #204 Vero Beach, FL	1.0	1.0	630	$1,300	$2.06	22d	1	0.70mi
50 Woodland Dr #203 Vero Beach, FL	1.0	1.5	750	$1,350	$1.80	14d	1	0.71mi
5 Vista Palm Ln #203 Vero Beach, FL	1.0	1.5	750	$1,500	$2.00	14d	1	1.00mi
28 Pine Arbor Ln #103 Vero Beach, FL	1.0	1.5	750	$1,200	$1.60	22d	1	1.14mi
16 Vista Palm Ln Vero Beach, FL	1.0–2.0	1.5–2.0	800	$1,500	$1.88	22d	2	1.21mi
19 Pine Arbor Ln #105 Vero Beach, FL	1.0	1.5	750	$1,800	$2.40	22d	1	1.22mi

HOA detail condo

• Monthly dues: $465 · $5,580/yr
• Likely covers: watersewercablepoolgym
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 30 events

1. 2026-05-01
   status Pending
2. 2026-04-25
   status Pending 430-char remark

   Show marketing remark (430 chars)

   Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

3. 2026-04-25
   historical Active Under Contract

   Show marketing remark (430 chars)

   Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

4. 2026-04-20
   price $84,999 430-char remark

   Show marketing remark (430 chars)

   Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

5. 2026-04-18
   price $84,999
6. 2026-03-30
   price $87,999 430-char remark

   Show marketing remark (430 chars)

   Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

7. 2026-03-30
   price $87,999

   Show marketing remark (430 chars)

   Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

8. 2026-03-03
   price $89,000
9. 2026-03-02
   price $89,000 430-char remark

   Show marketing remark (430 chars)

   Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

10. 2026-01-22
    price $90,000 430-char remark

    Show marketing remark (430 chars)

    Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

11. 2026-01-22
    price $90,000

    Show marketing remark (430 chars)

    Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

12. 2025-12-16
    price $97,250 430-char remark

    Show marketing remark (430 chars)

    Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

13. 2025-12-16
    listed $97 Active 430-char remark

    Show marketing remark (430 chars)

    Newly painted, completely updated 1/1 unit with lake and golf course views. Kitchen has quartz countertops and soft close cabinets. Air handler 2024, water heater 2025, microwave 2025. Luxury vinyl floors throughout. Active 55+ community. HOA dues $465 pm, include basic cable, water and sewer. Amenities include pool, hottub, tennis courts, library, game room, gym, clubhouse and so much more. Motivated seller, bring all offers!

14. 2025-12-08
    price $97,250
15. 2025-11-10
    price $99,500
16. 2025-09-06
    price $100,000
17. 2025-06-13
    status Active
18. 2025-06-12
    price $105,000
19. 2025-05-14
    historical
20. 2025-03-10
    listed $110,000 Active
21. 2021-07-19
    soldstatus $84,000
22. 2021-07-16
    soldstatus $84,000 Closed 228-char remark

    Show marketing remark (228 chars)

    Totally re modeled 1/1 with green space, lake and golf course view out front windows. New AC 2018, New Water Heater 2014. Newer appliances, quartz counter tops. Broken window in Lanai has been replaced. Vacant and easy to show.

23. 2021-07-15
    status Pending 228-char remark

    Show marketing remark (228 chars)

    Totally re modeled 1/1 with green space, lake and golf course view out front windows. New AC 2018, New Water Heater 2014. Newer appliances, quartz counter tops. Broken window in Lanai has been replaced. Vacant and easy to show.

24. 2021-06-26
    historical Active Under Contract 228-char remark

    Show marketing remark (228 chars)

    Totally re modeled 1/1 with green space, lake and golf course view out front windows. New AC 2018, New Water Heater 2014. Newer appliances, quartz counter tops. Broken window in Lanai has been replaced. Vacant and easy to show.

25. 2021-06-03
    listed $89,900 Active 228-char remark

    Show marketing remark (228 chars)

    Totally re modeled 1/1 with green space, lake and golf course view out front windows. New AC 2018, New Water Heater 2014. Newer appliances, quartz counter tops. Broken window in Lanai has been replaced. Vacant and easy to show.

26. 2017-12-01
    soldstatus $52,000
27. 2007-05-22
    soldstatus $65,700
28. 2004-06-23
    soldstatus $59,900
29. 2002-10-30
    soldstatus $42,000
30. 1992-11-01
    soldstatus $5,000

ⓘ 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: $660 · $55/mo
• Projected year-2 tax: $705 · $59/mo
• Expected delta: +$46/yr (+$4/mo · 6.9%)

ⓘ 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 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: $17,010
• − Mortgage interest: −$4,761
• − Property taxes: −$660
• − Insurance: −$1,222
• − Repairs & maintenance: −$1,361
• − Management: −$1,361
• − HOA: −$5,580
• − Depreciation: −$2,473
• Taxable loss: −$408
• Est. tax savings @ 24.0%: +$98
• After-tax cash flow: $725/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 — Vero Beach South

• Score: 78/100
• State rank: #163
• US rank: #2445

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Vero Beach South, FL
• County: Indian River County · 143,738 people
• Metro: Sebastian-Vero Beach, FL
• Population (ZIP): 25,522
• Household income: $66,664
• Rent vs Own: 20.3% rent · 79.7% own
• Severe rent burden: 425.0

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 (70%)
• Race & ethnicity: White 70% Black 13% Hispanic / Latino 12% Two or more races 5% Native American 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 4% Lithuanian 4% Italian 3%
• Foreign-born: 12% · Canada, Jamaica, Dominican Republic
• Languages at home: 85% English-only · Spanish 9% Other Indo-European 2% French/Haitian/Cajun 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: ▼ -182.13%
• Current HPI: 333.3274
• Rent YoY: ▲ 4.18%
• 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

+1600.0% since first listed

30 events — show timeline

• 2026-05-01 Pending — Beaches MLS
• 2026-04-25 Pending — RAIRCMLS
• 2026-04-25 Contingent — Beaches MLS
• 2026-04-20 Price Changed $84,999 RAIRCMLS
• 2026-04-18 Price Changed $84,999 Beaches MLS
• 2026-03-30 Price Changed $87,999 RAIRCMLS
• 2026-03-30 Price Changed $87,999 Beaches MLS
• 2026-03-03 Price Changed $89,000 Beaches MLS
• 2026-03-02 Price Changed $89,000 RAIRCMLS
• 2026-01-22 Price Changed $90,000 RAIRCMLS
• 2026-01-22 Price Changed $90,000 Beaches MLS
• 2025-12-16 Price Changed $97,250 RAIRCMLS
• 2025-12-16 Listed $97 RAIRCMLS
• 2025-12-08 Price Changed $97,250 Beaches MLS
• 2025-11-10 Price Changed $99,500 Beaches MLS
• 2025-09-06 Price Changed $100,000 Beaches MLS
• 2025-06-13 Relisted — Beaches MLS
• 2025-06-12 Price Changed $105,000 Beaches MLS
• 2025-05-14 Listing Removed — Beaches MLS
• 2025-03-10 Listed $110,000 Beaches MLS
• 2021-07-19 Sold (Public Records) $84,000 Public Records
• 2021-07-16 Sold (MLS) $84,000 RAIRCMLS
• 2021-07-15 Pending — RAIRCMLS
• 2021-06-26 Contingent — RAIRCMLS
• 2021-06-03 Listed $89,900 RAIRCMLS
• 2017-12-01 Sold (Public Records) $52,000 Public Records
• 2007-05-22 Sold (Public Records) $65,700 Public Records
• 2004-06-23 Sold (Public Records) $59,900 Public Records
• 2002-10-30 Sold (Public Records) $42,000 Public Records
• 1992-11-01 Sold (Public Records) $5,000 Public Records

Property tax history

+3.6%/yr

Latest (2025): $660 · +7.1% YoY. Source: county tax records.