2704 52nd Avenue Ter W · South Bradenton, FL 34207

$225,000

2 bd · 1.0 ba · 1,070 sqft · SingleFamily public records · 5 Days on market

Built 1959 8,890 sqft lot Est $256k · 12% under

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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 +15.2/30.0
• ARV discount +12.9/15.0
• DSCR +4.7/10.0
• Schools +4.4/10.0
• Livability +3.9/5.0
• 1% rule +3.6/10.0
• Condition / age +2.5/5.0
• Rent growth +1.1/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Located just off St. Rd. 70 its convenient. Great home for wanting to do some work. Has a nice size back yard with shed. Appliances work but are older. Nice size lanai out back is where you find the washer & dryer.

Key facts

• Screened-in porch
• Fenced yard
• Convenient shed

Tags

• TILE FLOORING
• SCREENED-IN PORCH
• FENCED YARD
• CONVENIENT SHED
• NEW ROOF
• HURRICANE SHUTTERS

Property features AI

Finance

• Other: Property zoned RSF6; Lot approximately 0.2 acre (70 x 127); Road surface: asphalt
• HOA & community: No HOA/association reported

Exterior

• Parking: Covered parking; Driveway; 1-car carport
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected
• Home design: Single family residence; Residential property; One story; Faces north; Completed condition
• Construction: Stucco construction; Shingle roof; Block foundation; Built area reported (public records)
• Exterior features: Covered rear porch; Screened porch; Sliding doors; Hurricane shutters; Wood fencing; Paved lot; Shed(s)

Interior

• Kitchen: Built-in oven; Cooktop; Dishwasher; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Washer; Dryer; Electric water heater; Laundry area located outside

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $80 ($963/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $193k (14.3% below list).
• Recommended offer: $193k (14.3% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 4.1% in South Bradenton — 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 77/100 on livability (#195 in FL, #3,092 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities C-, crime D+, commute F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Bayshore Elementary School (math 51% / reading 36%, grade F, #1,345 of 2,144 statewide, top 64%, 701 students, 72% FRL); Electa Lee Magnet Middle School (math 27% / reading 28%, grade F, #495 of 571 statewide, top 87%, 759 students, 68% FRL); Bayshore High School (math 17% / reading 26%, grade F, #546 of 667 statewide, top 82%, 1,435 students, 65% FRL) — zoned schools average 68% FRL vs 51% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 31% at this address vs 52% district-wide (-21 pts) — the specific schools serving this property underperform the Manatee average; the district grade overstates school quality for this exact location.
• Market conditions: Rents falling (-5.5%/yr); 362 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 7,472 units permitted in Manatee County in 2024 (1,782 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 $7k of value loss. Plan a longer hold.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 22y ago; this cycle's ask is 5% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $144k; list at $225k implies a 56% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $192,727 (14.3% below list)

Questions for the listing agent

1. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. 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?
6. 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.
7. 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.
8. 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: 0.86% ✗
• Cap rate: 6.72%
• Cash-on-cash: 1.53%
• DSCR: 1.07
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $255,730
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3112 52nd Avenue Dr W	0.27mi	2/1.0	1,048 (-2%)	7mo	$225,000	$215	78
2118 53rd Ave W	0.35mi	3/1.0 (+1)	1,060 (-1%)	2mo	$335,000	$316	75
5416 25th St W	0.23mi	3/2.0 (+1)	1,085 (+1%)	4mo	$330,000	$304	74
5208 30th St W	0.21mi	2/1.0	1,142 (+7%)	12mo	$334,900	$293	69
2707 52nd Avenue Ter W	0.03mi	2/1.0	1,207 (+13%)	12mo	$185,000	$153	67
5068 Red Oak Pl	0.31mi	2/2.0	1,016 (-5%)	8mo	$150,000	$148	66
2804 52nd Avenue Ter W	0.05mi	3/1.0 (+1)	1,212 (+13%)	9mo	$230,000	$190	63
2004 52nd Ave W	0.40mi	2/2.0	1,153 (+8%)	5mo	$275,000	$239	60
5611 26th St W	0.43mi	3/2.0 (+1)	1,142 (+7%)	12mo	$380,000	$333	49
4712 30th St W	0.66mi	3/2.0 (+1)	1,180 (+10%)	2mo	$240,000	$203	42
4805 22nd St W	0.62mi	2/2.0	1,209 (+13%)	8mo	$276,000	$228	39
5715 20th St W	0.73mi	2/2.0	1,190 (+11%)	13mo	$340,000	$286	33

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -17.1%
• Equity multiple: 0.41×
• Total profit: $-37,039
• Equity at exit: $33,548

10-year hold

• IRR: -15.3%
• Equity multiple: 0.24×
• Total profit: $-47,665
• Equity at exit: $19,454

Cash invested: $63,000 (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.

Methodology + full state rankings →

ZIP-level market 34207

• Rents YoY: -5.5%
• Active inventory: 362
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $1,927 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$169 /mo · $2,024/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$405
• Net cashflow: $80

Break-even live

Break-even rent $1,826

Max offer price $225,000

Occupancy floor 91%

Sensitivity live

Price	-10% $208	-5% $144	+0% $80	+5% $17	+10% $-47
Rent	-10% $-72	-5% $4	+0% $80	+5% $156	+10% $232
Rate	-1.0pp $194	-0.5pp $137	base $80	+0.5pp $22	+1.0pp $-37

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5310 26th St W Bradenton, FL	1.0–2.0	1.0	789	$1,450	$1.84	5d	4	0.10mi
5310 26th St W Bradenton, FL	1.0–2.0	1.0	789	$1,450	$1.84	13d	5	0.10mi
5310 26th St W Bradenton, FL	1.0–2.0	1.0	789	$1,550	$1.96	21d	5	0.10mi
2803 52nd Avenue Dr W Unit 2803 Bradenton, FL	2.0	1.0	750	$1,599	$2.13	25d	1	0.11mi
5400 26th St W Bradenton, FL	1.0–2.0	1.0–2.0	902	$1,651	$1.83	25d	1	0.16mi
5103 29th St W Bradenton, FL	2.0	2.0	1258	$2,600	$2.07	25d	1	0.21mi
5062 Live Oak Cir Unit 5026 Bradenton, FL	2.0	2.0	896	$1,545	$1.72	18d	1	0.27mi
5059 Live Oak Cir Unit 5059 Bradenton, FL	2.0	2.0	896	$1,900	$2.12	18d	1	0.28mi
5026 Water Oak Dr #104 Bradenton, FL	3.0	2.0	960	$2,200	$2.29	25d	1	0.29mi
3278 51st Avenue Dr W Unit 1 Bradenton, FL	2.0	1.0	850	$1,600	$1.88	25d	1	0.41mi
5016 22nd St W Bradenton, FL	2.0	1.0	1400	$1,600	$1.14	5d	1	0.41mi
2835 50th Ave W Bradenton, FL	1.0–2.0	1.0–2.0	850	$1,610	$1.89	5d	16	0.42mi
5027 31st St W Bradenton, FL	2.0	2.0	972	$3,600	$3.70	23d	1	0.43mi
4906 25th St W #101 Bradenton, FL	2.0	1.5	1070	$1,550	$1.45	25d	1	0.43mi
3277 51st Avenue Dr W Bradenton, FL	3.0	2.0	995	$1,760	$1.77	5d	1	0.45mi
5400 34th St W Bradenton, FL	2.0	2.0	1244	$2,675	$2.15	4d	2	0.48mi
5400 34th St W Bradenton, FL	2.0	2.0	1404	$2,500	$1.78	25d	3	0.48mi
5001 22nd St W Unit B Bradenton, FL	2.0	1.0	729	$1,700	$2.33	18d	1	0.49mi
4812 27th St W Unit 4812 Bradenton, FL	2.0	2.0	912	$1,545	$1.69	13d	1	0.51mi
4812 27th St W Bradenton, FL	2.0	2.0	912	$1,599	$1.75	13d	1	0.51mi
3401 54th Dr W Bradenton, FL	2.0–3.0	2.0–3.0	1293	$3,300	$2.55	5d	3	0.52mi
4906 21st St W Bradenton, FL	2.0	1.0	918	$1,700	$1.85	18d	1	0.56mi
3506 54th Dr W Bradenton, FL	1.0–2.0	1.0–2.0	953	$2,800	$2.94	5d	2	0.58mi
133 Wild Palm Dr #133 Bradenton, FL	2.0	2.0	1408	$2,350	$1.67	25d	1	0.58mi
146 Wild Palm Dr #146 Bradenton, FL	2.0	2.0	1500	$2,500	$1.67	25d	1	0.58mi
132 Wild Palm Dr #132 Bradenton, FL	2.0	2.0	1304	$3,400	$2.61	25d	1	0.58mi
2004 49th Ave W Unit 2002 Bradenton, FL	2.0	2.0	1021	$1,950	$1.91	25d	1	0.61mi
4705 27th St W Unit A Bradenton, FL	2.0	1.0	750	$1,325	$1.77	4d	1	0.62mi
3604 54th Dr W Bradenton, FL	2.0	2.0	1114	$4,050	$3.64	5d	3	0.62mi
3605 54th Dr W Bradenton, FL	2.0	2.0	1166	$3,738	$3.21	5d	2	0.63mi
206 Lakewood Dr Unit 206 Bradenton, FL	2.0	2.0	940	$2,700	$2.87	25d	1	0.65mi
4916 18th St W Unit B Bradenton, FL	2.0	2.0	1170	$1,650	$1.41	25d	1	0.66mi
3701 54th Dr W Bradenton, FL	2.0	2.0	1215	$3,500	$2.88	5d	2	0.66mi
3702 54th Dr W Bradenton, FL	2.0–3.0	2.0–3.0	1327	$3,300	$2.49	5d	2	0.67mi
3411 57th Avenue Dr W Bradenton, FL	3.0	2.0	1326	$2,100	$1.58	25d	1	0.67mi
5513 18th St W Bradenton, FL	2.0	1.0	1000	$1,499	$1.50	25d	1	0.68mi
142 Pineneedle Dr Unit 142U Bradenton, FL	2.0	2.0	1408	$2,395	$1.70	25d	1	0.69mi
184 Pineneedle Dr Bradenton, FL	2.0	2.0	940	$2,100	$2.23	25d	1	0.69mi
183 Pineneedle Dr Bradenton, FL	2.0	2.0	1304	$1,800	$1.38	25d	1	0.69mi
3803 54th Dr W Bradenton, FL	2.0	2.0	1215	$3,600	$2.96	3d	1	0.72mi

Listing history 15 events

1. 2026-05-04
   status Pending
2. 2026-05-01
   status Active
3. 2026-05-01
   price $225,000
4. 2026-04-14
   status Pending
5. 2026-04-10
   listed $215,000 Active
6. 2021-05-18
   soldstatus $144,000
7. 2021-05-12
   soldstatus $144,000 Closed 220-char remark

   Show marketing remark (220 chars)

   Located just off St. Rd. 70 its convenient. Great home for wanting to do some work. Has a nice size back yard with shed. Appliances work but are older. Nice size lanai out back is where you find the washer & dryer.

8. 2021-04-10
   status Pending 220-char remark

   Show marketing remark (220 chars)

   Located just off St. Rd. 70 its convenient. Great home for wanting to do some work. Has a nice size back yard with shed. Appliances work but are older. Nice size lanai out back is where you find the washer & dryer.

9. 2021-04-10
   listed $140,000 Active 220-char remark

   Show marketing remark (220 chars)

   Located just off St. Rd. 70 its convenient. Great home for wanting to do some work. Has a nice size back yard with shed. Appliances work but are older. Nice size lanai out back is where you find the washer & dryer.

10. 2004-12-17
    soldstatus $142,000
11. 2004-12-10
    soldstatus $142,000 298-char remark

    Show marketing remark (298 chars)

    Looking for a first time home or a retiree who wants a home with easy access to schools, shopping, doctors and great restaurants or a single person who wants to be close to work & all the amenities this is the one. Fenced yard gives you privacy plus there is room for a pool if you so desire.

12. 2004-11-12
    historical 298-char remark

    Show marketing remark (298 chars)

    Looking for a first time home or a retiree who wants a home with easy access to schools, shopping, doctors and great restaurants or a single person who wants to be close to work & all the amenities this is the one. Fenced yard gives you privacy plus there is room for a pool if you so desire.

13. 2004-09-22
    listed $144,900 298-char remark

    Show marketing remark (298 chars)

    Looking for a first time home or a retiree who wants a home with easy access to schools, shopping, doctors and great restaurants or a single person who wants to be close to work & all the amenities this is the one. Fenced yard gives you privacy plus there is room for a pool if you so desire.

14. 1998-06-15
    soldstatus $68,000
15. 1996-05-08
    soldstatus $62,500

ⓘ 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: $2,024 · $169/mo
• Projected year-2 tax: $2,024 · $169/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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,127
• − Mortgage interest: −$12,603
• − Property taxes: −$2,024
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,850
• − Management: −$1,850
• − Depreciation: −$6,545
• Taxable loss: −$2,871
• Est. tax savings @ 24.0%: +$689
• After-tax cash flow: $1,652/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: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — South Bradenton

• Score: 77/100
• State rank: #195
• US rank: #3092

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: South Bradenton, FL
• County: Manatee County · 416,364 people
• City population: 33,840
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 34,081
• Household income: $45,010
• Rent vs Own: 38.8% rent · 61.2% own
• Severe rent burden: 1474.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 58% Hispanic / Latino 29% Two or more races 13% Black 7%
• Hispanic origin (detail): Mexican 12% Puerto Rican 4% Cuban 3% Dominican 1%
• Common ancestry: Lithuanian 3% Romanian 2% Slovak 2%
• Foreign-born: 16% · Canada, Jamaica
• Languages at home: 74% English-only · Spanish 22% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -305.32%
• Current HPI: 369.9899
• Rent YoY: ▼ -5.50%
• Metro: North Port-Sarasota-Bradenton, 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

+260.0% since first listed

15 events — show timeline

• 2026-05-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-01 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-10 Listed $215,000 Stellar MLS as Distributed by MLS Grid
• 2021-05-18 Sold (Public Records) $144,000 Public Records
• 2021-05-12 Sold (MLS) $144,000 Stellar MLS as Distributed by MLS Grid
• 2021-04-10 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-04-10 Listed $140,000 Stellar MLS as Distributed by MLS Grid
• 2004-12-17 Sold (Public Records) $142,000 Public Records
• 2004-12-10 Sold (MLS) $142,000 Stellar MLS as Distributed by MLS Grid
• 2004-11-12 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2004-09-22 Listed $144,900 Stellar MLS as Distributed by MLS Grid
• 1998-06-15 Sold (Public Records) $68,000 Public Records
• 1996-05-08 Sold (Public Records) $62,500 Public Records

Property tax history

+9.8%/yr

Latest (2025): $2,024 · -0.8% YoY. Source: county tax records.