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8915 Hammock Loop, Polk City, FL 33868
D- Composite 38.92
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 +12.9/30.0
  • ARV discount +7.5/15.0
  • DSCR +3.8/10.0
  • Schools +3.5/10.0
  • Livability +3.4/5.0
  • 1% rule +2.9/10.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$350,000

8915 Hammock Loop, Polk City, FL 33868 · Polk City, FL 33868
5 bd · 2.0 ba · 1,728 sqft · Manufactured public records · 30 Days on market
Built 2022 0.64 ac lot

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Back on the market! The previous contract was canceled due to buyer-related issues entirely unrelated to the property. The original buyer experienced unexpected personal circumstances that prevented them from moving forward with the purchase. Their loss is your gain—don’t miss this second opportunity to own this beautifully upgraded and move-in-ready home. Imagine stepping into a home that not only meets your expectations but exceeds them in every way. This beautifully remodeled and upgraded property is the perfect blend of comfort, modern living, and tranquility—crafted just for you. Nestled on almost 3/4 of an acre, this property offers the peace and privacy you’ve been searching for, yet it’s just minutes from I-4, connecting you to everything you need. From the moment you arrive, you’ll feel the welcoming embrace of its spacious design and thoughtful upgrades. Step inside and be greeted by an expansive, open floor plan highlighted by a stylish tray ceiling in the living room. The space flows seamlessly into the heart of the home—the fully remodeled kitchen. With a large island, ample cabinet space, and nearly-new Samsung appliances, it’s the perfect setup for cooking and entertaining. Multiple living spaces and cozy bedrooms make this home ideal whether you're hosting loved ones or enjoying a quiet night in. The dedicated laundry room includes extra storage, a utility sink, and even a second washer for added convenience. Outside, the huge, fully fenced backyard is a blank canvas for your imagination. Picture yourself adding a pool, building a custom summer kitchen, or simply enjoying the space and privacy. With multiple storage units, a top-tier water filtration system, and thoughtful upgrades throughout, this home is truly move-in ready. This isn’t just a house—it’s a lifestyle upgrade. You’ll enjoy privacy, a prime location near major highways, peace of mind with nearly-new systems, and exceptional value for the price. This incredible mobile home on 3/4 of an acre is back on the market and won’t last long. Schedule your private tour today and take the first step toward the life you deserve!

Key facts

  • Over half an acre
  • Country living
  • Large rooms

Tags

OVER HALF AN ACRENO HOALOW TAXESCOUNTRY LIVINGLARGE ROOMSNEWER DOUBLE WIDE

Property features AI

Finance

  • Other: Lot about 0.64 acres (1/2 to less than 1 acre)
  • Financial info: No lease restrictions
  • HOA & community: No association

Exterior

  • Parking: Driveway
  • Utilities: Public water; Septic tank sewer; Electricity connected; Cable available; Water connected
  • Home design: Manufactured double-wide home; Single-story; West-facing; Homestead property
  • Construction: Vinyl siding with frame construction; Shingle roof; Crawlspace foundation; Built as a manufactured home
  • Exterior features: Sliding doors; Paved road access

Interior

  • Kitchen: Range; Microwave; Refrigerator; Eat-in kitchen layout
  • Bedrooms: 5 bedrooms
  • Flooring: Carpet; Laminate
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Central heating; Central air conditioning
  • Interior features: Eat-in kitchen; Kitchen/family room combo; Open floorplan; Split bedroom layout; Tray ceilings; Walk-in closets
  • Laundry & utility: Washer and dryer; Inside laundry room

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 5-bed/2.0-bath manufactured listed at $350k.

Deal economics

  • At list price, monthly cash flow is $-29 ($-345/yr) — negative.
  • To cash-flow at today's rent, offer at most $345k (1.5% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $275k (21.4% below list).
  • Recommended offer: $275k (21.4% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 68/100 on livability (#501 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D, amenities F, commute F.
  • Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: 422 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).

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.
  • Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 30 days — a 2% lower offer ($345k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 3y 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; major wildfire risk; extreme-heat days projected 6→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $275,000 (21.4% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  3. 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?
  4. 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?
  5. 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.
  6. 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.
  7. 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
0.79%
Cap rate
6.19%
Cash-on-cash
-0.35%
DSCR
0.98
GRM
10.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold
IRR
-16.9%
Equity multiple
0.40×
Total profit
$-58,639
Equity at exit
$52,186
10-year hold
IRR
-8.9%
Equity multiple
0.45×
Total profit
$-53,795
Equity at exit
$30,262

Cash invested: $98,000 (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.

ZIP-level market 33868

Home prices YoY
-9.3%
Active inventory
422
Price-to-rent
10.6×

Monthly cashflow live

Estimated rent
$2,750 medium interval (Pro) →
Mortgage (P&I)
$1,835
Tax from tax record
$220 /mo · $2,640/yr
Insurance
$146
HOA
$0
Vacancy / Maint / Mgmt
$578
Net cashflow
$-29

Break-even live

Break-even rent $2,786
Max offer price $344,920
Occupancy floor 96%

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
$87,500
Closing costs
$10,500
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
8519 Rindge Rd Polk City, FL 4.0 3.0 1990 $2,750 $1.38 14d 1 0.60mi

Listing history 27 events

  1. 2026-06-18
    days on market $350,000 Active 30 DOM
  2. 2026-06-17
    days on market $350,000 Active 29 DOM
  3. 2026-06-16
    days on market $350,000 Active 28 DOM
  4. 2026-06-15
    days on market $350,000 Active 27 DOM
  5. 2026-06-13
    days on market $350,000 Active 25 DOM
  6. 2026-06-10
    days on market $350,000 Active 22 DOM
  7. 2026-06-09
    days on market $350,000 Active 21 DOM
  8. 2026-06-08
    days on market $350,000 Active 20 DOM
  9. 2026-06-07
    days on market $350,000 Active 19 DOM
  10. 2026-06-05
    days on market $350,000 Active 16 DOM
  11. 2026-06-03
    days on market $350,000 Active 15 DOM
  12. 2026-06-03
    days on market $350,000 Active 14 DOM
  13. 2026-06-01
    days on market $350,000 Active 13 DOM
  14. 2026-05-31
    days on market $350,000 Active 12 DOM
  15. 2026-05-19
    listed $350,000 Active
  16. 2025-07-02
    soldstatus $320,000
  17. 2025-06-19
    soldstatus $319,990 Closed 2211-char remark
    Show marketing remark (2211 chars)

    Back on the market! The previous contract was canceled due to buyer-related issues entirely unrelated to the property. The original buyer experienced unexpected personal circumstances that prevented them from moving forward with the purchase. Their loss is your gain—don’t miss this second opportunity to own this beautifully upgraded and move-in-ready home. Imagine stepping into a home that not only meets your expectations but exceeds them in every way. This beautifully remodeled and upgraded property is the perfect blend of comfort, modern living, and tranquility—crafted just for you. Nestled on almost 3/4 of an acre, this property offers the peace and privacy you’ve been searching for, yet it’s just minutes from I-4, connecting you to everything you need. From the moment you arrive, you’ll feel the welcoming embrace of its spacious design and thoughtful upgrades. Step inside and be greeted by an expansive, open floor plan highlighted by a stylish tray ceiling in the living room. The space flows seamlessly into the heart of the home—the fully remodeled kitchen. With a large island, ample cabinet space, and nearly-new Samsung appliances, it’s the perfect setup for cooking and entertaining. Multiple living spaces and cozy bedrooms make this home ideal whether you're hosting loved ones or enjoying a quiet night in. The dedicated laundry room includes extra storage, a utility sink, and even a second washer for added convenience. Outside, the huge, fully fenced backyard is a blank canvas for your imagination. Picture yourself adding a pool, building a custom summer kitchen, or simply enjoying the space and privacy. With multiple storage units, a top-tier water filtration system, and thoughtful upgrades throughout, this home is truly move-in ready. This isn’t just a house—it’s a lifestyle upgrade. You’ll enjoy privacy, a prime location near major highways, peace of mind with nearly-new systems, and exceptional value for the price. This incredible mobile home on 3/4 of an acre is back on the market and won’t last long. Schedule your private tour today and take the first step toward the life you deserve!

  18. 2025-06-06
    status Pending 2211-char remark
    Show marketing remark (2211 chars)

    Back on the market! The previous contract was canceled due to buyer-related issues entirely unrelated to the property. The original buyer experienced unexpected personal circumstances that prevented them from moving forward with the purchase. Their loss is your gain—don’t miss this second opportunity to own this beautifully upgraded and move-in-ready home. Imagine stepping into a home that not only meets your expectations but exceeds them in every way. This beautifully remodeled and upgraded property is the perfect blend of comfort, modern living, and tranquility—crafted just for you. Nestled on almost 3/4 of an acre, this property offers the peace and privacy you’ve been searching for, yet it’s just minutes from I-4, connecting you to everything you need. From the moment you arrive, you’ll feel the welcoming embrace of its spacious design and thoughtful upgrades. Step inside and be greeted by an expansive, open floor plan highlighted by a stylish tray ceiling in the living room. The space flows seamlessly into the heart of the home—the fully remodeled kitchen. With a large island, ample cabinet space, and nearly-new Samsung appliances, it’s the perfect setup for cooking and entertaining. Multiple living spaces and cozy bedrooms make this home ideal whether you're hosting loved ones or enjoying a quiet night in. The dedicated laundry room includes extra storage, a utility sink, and even a second washer for added convenience. Outside, the huge, fully fenced backyard is a blank canvas for your imagination. Picture yourself adding a pool, building a custom summer kitchen, or simply enjoying the space and privacy. With multiple storage units, a top-tier water filtration system, and thoughtful upgrades throughout, this home is truly move-in ready. This isn’t just a house—it’s a lifestyle upgrade. You’ll enjoy privacy, a prime location near major highways, peace of mind with nearly-new systems, and exceptional value for the price. This incredible mobile home on 3/4 of an acre is back on the market and won’t last long. Schedule your private tour today and take the first step toward the life you deserve!

  19. 2025-05-07
    status Active 2211-char remark
    Show marketing remark (2211 chars)

    Back on the market! The previous contract was canceled due to buyer-related issues entirely unrelated to the property. The original buyer experienced unexpected personal circumstances that prevented them from moving forward with the purchase. Their loss is your gain—don’t miss this second opportunity to own this beautifully upgraded and move-in-ready home. Imagine stepping into a home that not only meets your expectations but exceeds them in every way. This beautifully remodeled and upgraded property is the perfect blend of comfort, modern living, and tranquility—crafted just for you. Nestled on almost 3/4 of an acre, this property offers the peace and privacy you’ve been searching for, yet it’s just minutes from I-4, connecting you to everything you need. From the moment you arrive, you’ll feel the welcoming embrace of its spacious design and thoughtful upgrades. Step inside and be greeted by an expansive, open floor plan highlighted by a stylish tray ceiling in the living room. The space flows seamlessly into the heart of the home—the fully remodeled kitchen. With a large island, ample cabinet space, and nearly-new Samsung appliances, it’s the perfect setup for cooking and entertaining. Multiple living spaces and cozy bedrooms make this home ideal whether you're hosting loved ones or enjoying a quiet night in. The dedicated laundry room includes extra storage, a utility sink, and even a second washer for added convenience. Outside, the huge, fully fenced backyard is a blank canvas for your imagination. Picture yourself adding a pool, building a custom summer kitchen, or simply enjoying the space and privacy. With multiple storage units, a top-tier water filtration system, and thoughtful upgrades throughout, this home is truly move-in ready. This isn’t just a house—it’s a lifestyle upgrade. You’ll enjoy privacy, a prime location near major highways, peace of mind with nearly-new systems, and exceptional value for the price. This incredible mobile home on 3/4 of an acre is back on the market and won’t last long. Schedule your private tour today and take the first step toward the life you deserve!

  20. 2025-04-16
    status Pending 2211-char remark
    Show marketing remark (2211 chars)

    Back on the market! The previous contract was canceled due to buyer-related issues entirely unrelated to the property. The original buyer experienced unexpected personal circumstances that prevented them from moving forward with the purchase. Their loss is your gain—don’t miss this second opportunity to own this beautifully upgraded and move-in-ready home. Imagine stepping into a home that not only meets your expectations but exceeds them in every way. This beautifully remodeled and upgraded property is the perfect blend of comfort, modern living, and tranquility—crafted just for you. Nestled on almost 3/4 of an acre, this property offers the peace and privacy you’ve been searching for, yet it’s just minutes from I-4, connecting you to everything you need. From the moment you arrive, you’ll feel the welcoming embrace of its spacious design and thoughtful upgrades. Step inside and be greeted by an expansive, open floor plan highlighted by a stylish tray ceiling in the living room. The space flows seamlessly into the heart of the home—the fully remodeled kitchen. With a large island, ample cabinet space, and nearly-new Samsung appliances, it’s the perfect setup for cooking and entertaining. Multiple living spaces and cozy bedrooms make this home ideal whether you're hosting loved ones or enjoying a quiet night in. The dedicated laundry room includes extra storage, a utility sink, and even a second washer for added convenience. Outside, the huge, fully fenced backyard is a blank canvas for your imagination. Picture yourself adding a pool, building a custom summer kitchen, or simply enjoying the space and privacy. With multiple storage units, a top-tier water filtration system, and thoughtful upgrades throughout, this home is truly move-in ready. This isn’t just a house—it’s a lifestyle upgrade. You’ll enjoy privacy, a prime location near major highways, peace of mind with nearly-new systems, and exceptional value for the price. This incredible mobile home on 3/4 of an acre is back on the market and won’t last long. Schedule your private tour today and take the first step toward the life you deserve!

  21. 2025-01-13
    listed $319,990 Active 2211-char remark
    Show marketing remark (2211 chars)

    Back on the market! The previous contract was canceled due to buyer-related issues entirely unrelated to the property. The original buyer experienced unexpected personal circumstances that prevented them from moving forward with the purchase. Their loss is your gain—don’t miss this second opportunity to own this beautifully upgraded and move-in-ready home. Imagine stepping into a home that not only meets your expectations but exceeds them in every way. This beautifully remodeled and upgraded property is the perfect blend of comfort, modern living, and tranquility—crafted just for you. Nestled on almost 3/4 of an acre, this property offers the peace and privacy you’ve been searching for, yet it’s just minutes from I-4, connecting you to everything you need. From the moment you arrive, you’ll feel the welcoming embrace of its spacious design and thoughtful upgrades. Step inside and be greeted by an expansive, open floor plan highlighted by a stylish tray ceiling in the living room. The space flows seamlessly into the heart of the home—the fully remodeled kitchen. With a large island, ample cabinet space, and nearly-new Samsung appliances, it’s the perfect setup for cooking and entertaining. Multiple living spaces and cozy bedrooms make this home ideal whether you're hosting loved ones or enjoying a quiet night in. The dedicated laundry room includes extra storage, a utility sink, and even a second washer for added convenience. Outside, the huge, fully fenced backyard is a blank canvas for your imagination. Picture yourself adding a pool, building a custom summer kitchen, or simply enjoying the space and privacy. With multiple storage units, a top-tier water filtration system, and thoughtful upgrades throughout, this home is truly move-in ready. This isn’t just a house—it’s a lifestyle upgrade. You’ll enjoy privacy, a prime location near major highways, peace of mind with nearly-new systems, and exceptional value for the price. This incredible mobile home on 3/4 of an acre is back on the market and won’t last long. Schedule your private tour today and take the first step toward the life you deserve!

  22. 2023-07-28
    soldstatus $280,000 Closed 805-char remark
    Show marketing remark (805 chars)

    OWNER FINANCING AVAILABLE!! Brand new MH on almost 3/4 of an acre. Live away from all the hustle and bustle but still just minutes to I-4. This 2022 MH by Townhomes LLC is move in ready. As you enter the home you are greeted with a large open floor plan. A tray ceiling graces the front living room. The kitchen has black Frigidaire appliances, a large island and generous cabinet space. The kitchen island over looks the eating area and family room. The many bedrooms, multiple living spaces and open concept allows for plenty of room for entertaining guests or spreading out to find a quiet space. The laundry room is off of the kitchen and has additional storage space. The back yard is huge and is ready for your landscape plan. This home is ready for you to make it your own. Call for an appt today!

  23. 2023-05-11
    status Pending 805-char remark
    Show marketing remark (805 chars)

    OWNER FINANCING AVAILABLE!! Brand new MH on almost 3/4 of an acre. Live away from all the hustle and bustle but still just minutes to I-4. This 2022 MH by Townhomes LLC is move in ready. As you enter the home you are greeted with a large open floor plan. A tray ceiling graces the front living room. The kitchen has black Frigidaire appliances, a large island and generous cabinet space. The kitchen island over looks the eating area and family room. The many bedrooms, multiple living spaces and open concept allows for plenty of room for entertaining guests or spreading out to find a quiet space. The laundry room is off of the kitchen and has additional storage space. The back yard is huge and is ready for your landscape plan. This home is ready for you to make it your own. Call for an appt today!

  24. 2023-04-21
    price $299,900 805-char remark
    Show marketing remark (805 chars)

    OWNER FINANCING AVAILABLE!! Brand new MH on almost 3/4 of an acre. Live away from all the hustle and bustle but still just minutes to I-4. This 2022 MH by Townhomes LLC is move in ready. As you enter the home you are greeted with a large open floor plan. A tray ceiling graces the front living room. The kitchen has black Frigidaire appliances, a large island and generous cabinet space. The kitchen island over looks the eating area and family room. The many bedrooms, multiple living spaces and open concept allows for plenty of room for entertaining guests or spreading out to find a quiet space. The laundry room is off of the kitchen and has additional storage space. The back yard is huge and is ready for your landscape plan. This home is ready for you to make it your own. Call for an appt today!

  25. 2023-03-27
    price $324,000 805-char remark
    Show marketing remark (805 chars)

    OWNER FINANCING AVAILABLE!! Brand new MH on almost 3/4 of an acre. Live away from all the hustle and bustle but still just minutes to I-4. This 2022 MH by Townhomes LLC is move in ready. As you enter the home you are greeted with a large open floor plan. A tray ceiling graces the front living room. The kitchen has black Frigidaire appliances, a large island and generous cabinet space. The kitchen island over looks the eating area and family room. The many bedrooms, multiple living spaces and open concept allows for plenty of room for entertaining guests or spreading out to find a quiet space. The laundry room is off of the kitchen and has additional storage space. The back yard is huge and is ready for your landscape plan. This home is ready for you to make it your own. Call for an appt today!

  26. 2023-02-10
    listed $325,000 Active 805-char remark
    Show marketing remark (805 chars)

    OWNER FINANCING AVAILABLE!! Brand new MH on almost 3/4 of an acre. Live away from all the hustle and bustle but still just minutes to I-4. This 2022 MH by Townhomes LLC is move in ready. As you enter the home you are greeted with a large open floor plan. A tray ceiling graces the front living room. The kitchen has black Frigidaire appliances, a large island and generous cabinet space. The kitchen island over looks the eating area and family room. The many bedrooms, multiple living spaces and open concept allows for plenty of room for entertaining guests or spreading out to find a quiet space. The laundry room is off of the kitchen and has additional storage space. The back yard is huge and is ready for your landscape plan. This home is ready for you to make it your own. Call for an appt today!

  27. 2021-10-13
    soldstatus $45,000

ⓘ 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
$2,640 · $220/mo
Projected year-2 tax
$2,905 · $242/mo
Expected delta
+$265/yr (+$22/mo · 10.0%)

ⓘ 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 6/10 Major
  • 🌡 Heat 8/10 Severe 6 d/yr ≥107°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$33,000
− Mortgage interest
−$19,605
− Property taxes
−$2,640
− Insurance
−$1,750
− Repairs & maintenance
−$2,640
− Management
−$2,640
− Depreciation
−$10,182
Taxable loss
−$6,457
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,550
After-tax cash flow
$1,205/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
Polk
NCES district ID
1201590
Math proficiency
39% ▼ -11.00%
Reading proficiency
43% ▼ -4.00%
Median HH income
$43,979
Composite
34.74/100
National rank
#5132
State rank
#62 of 73 in FL

Livability — Polk City

Score
68/100
State rank
#501
US rank
#9243

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Population (ZIP)
13,676

Population outlook (Polk County) Hauer SSP2

Today (2025)
752,975 people
By 2030
804,621 · +6.9%
By 2040
906,117 · +20.3%
By 2050
1,000,476 · +32.9%
By 2075
1,197,520 · +59.0%
By 2100
1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (66%)
Race & ethnicity
White 66% Hispanic / Latino 22% Two or more races 14% Black 6%
Hispanic origin (detail)
Mexican 6% Puerto Rican 11% Dominican 2%
Common ancestry
Lithuanian 1% Italian 1% Slovak 1%
Foreign-born
6% · Canada
Languages at home
80% English-only · Spanish 17% Other Indo-European 1%

Political lean MEDSL · Polk

2024 margin
Strong R (+20.7) · D 39.2% · R 59.9%
2008→2024 swing
-14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
All cycles
2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

Civics

Market trends

HPI YoY
▼ -33.52%
Current HPI
325.6917
Rent YoY
Metro
State GDP YoY
▲ 3.28%
F500 in state
36

Industry mix (Fortune 500 HQ in FL)

Industry F500 HQs Revenue

Price history

+677.8% since first listed
13 events — show timeline
  • 2026-05-19 Listed $350,000 Stellar MLS as Distributed by MLS Grid
  • 2025-07-02 Sold (Public Records) $320,000 Public Records
  • 2025-06-19 Sold (MLS) $319,990 Stellar MLS as Distributed by MLS Grid
  • 2025-06-06 Pending Stellar MLS as Distributed by MLS Grid
  • 2025-05-07 Relisted Stellar MLS as Distributed by MLS Grid
  • 2025-04-16 Pending Stellar MLS as Distributed by MLS Grid
  • 2025-01-13 Listed $319,990 Stellar MLS as Distributed by MLS Grid
  • 2023-07-28 Sold (MLS) $280,000 Stellar MLS as Distributed by MLS Grid
  • 2023-05-11 Pending Stellar MLS as Distributed by MLS Grid
  • 2023-04-21 Price Changed $299,900 Stellar MLS as Distributed by MLS Grid
  • 2023-03-27 Price Changed $324,000 Stellar MLS as Distributed by MLS Grid
  • 2023-02-10 Listed $325,000 Stellar MLS as Distributed by MLS Grid
  • 2021-10-13 Sold (Public Records) $45,000 Public Records

Property tax history

+51.4%/yr

Latest (2025): $2,640 · -35.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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