4515 Leschak Ln · Wildwood, FL 32163

$434,500

3 bd · 2.0 ba · 1,569 sqft · SingleFamily public records · 71 Days on market

Built 2022 6,300 sqft lot Est $380k · 14% over $204/mo HOA · 7% of rent

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Why this score? — see what drove the F 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).

• Appreciation +10.0/10.0
• Cash flow +5.3/30.0
• Schools +5.2/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.6/10.0
• ARV discount +1.0/15.0
• DSCR +0.0/10.0

Listing remarks

Under contract-accepting backup offers. Immaculate Jasmine Designer - Shows Like New! Located in the desirable Village of DeLuna, this beautifully maintained 3-bedroom, 2-bath concrete block and stucco Jasmine Designer offers exceptional curb appeal and thoughtful upgrades throughout. Situated on an offset homesite with elevated rock landscaping beds, the property presents a pristine exterior along with a 2-car garage plus an extended golf cart garage, complete with insulated garage doors and an automatic garage screen. A leaded glass front entry welcomes you into the foyer, opening to a bright open-concept floor plan featuring a stylish combination of luxury vinyl flooring in the main l

Key facts

• Screened lanai
• 6,300 sq ft lot
• 2 garage spots

Tags

• ELEVATED ROCK LANDSCAPING BEDS
• INSULATED GARAGE DOORS
• AUTOMATIC GARAGE SCREEN
• LUXURY VINYL FLOORING
• QUADRUPLE GLASS SLIDING DOORS
• SCREENED LANAI

Property features AI

Finance

• Other: CDD present; Homestead exemption indicated; Irrigation equipment installed; Directions available
• Financial info: Total monthly association fees reported as $204; Total annual association fees reported as $2,448; Other annual assessment reported
• HOA & community: Has HOA (optional fees); Association amenities include clubhouse, golf course, pickleball courts, pool, recreation facilities; Community features include community mailbox, deed restrictions, dog park, golf carts allowed, pool; Senior community; Pets allowed

Exterior

• Parking: Attached garage; 2-car garage; Golf cart garage
• Security: Smoke detectors
• Utilities: Public water; Public sewer; Electricity connected; Public utilities
• Home design: Single family residence; One story; Southwest facing; Completed condition; Residential zoning
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built on public records
• Exterior features: Front porch; Rear screened porch; Rain gutters; Sliding doors; Landscaped lot; Paved, public-maintained road

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator; Water filtration system
• Bedrooms: 3 bedrooms (one-level)
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans; Eat-in kitchen; High ceilings; Open floorplan; Split bedroom plan; Programmable thermostat; Vaulted ceilings; Walk-in closets; Window treatments; Double-pane windows; Inside utility room
• Laundry & utility: Inside laundry room; Washer; Dryer; Tankless water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $434k.

Deal economics

• At list price, monthly cash flow is $-965 ($-12k/yr) — negative.
• To cash-flow at today's rent, offer at most $264k (39.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $285k (34.3% below list).
• Recommended offer: $264k (39.2% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 69/100 on livability (#471 in FL) — a middle-class / working-renter tenant base. Strengths: health & safety A+, cost of living A, crime A-; Watch: schools C-, amenities F, commute F.
• Sumter (rural): math 61% / reading 61% proficiency, ranked #11 of 73 in FL (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 265 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).
• This rent runs 35% of the median local income ($97k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $46k of equity ($3k loan paydown + $43k appreciation (10.0% local appreciation)).
• Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$75k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 71 days — a 6% lower offer ($408k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $263,990 (39.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 71 days. Have you received any prior offers? Is the seller open to a 39% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.66% ✗
• Cap rate: 3.63%
• Cash-on-cash: -9.52%
• DSCR: 0.58
• GRM: 12.7

CMA / ARV

• ARV (on-the-fly): $379,698
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4371 Shannon Loop	0.32mi	3/2.0	1,557 (-1%)	7mo	$390,000	$250	78
4280 Canova Draney Loop	0.40mi	3/2.0	1,519 (-3%)	2mo	$340,000	$224	75
3449 Keith Ln	0.45mi	3/2.0	1,492 (-5%)	2mo	$440,000	$295	70
3359 Brianna Ln	0.51mi	3/2.0	1,584 (+1%)	8mo	$400,000	$253	68
4280 Gale Ln	0.40mi	3/2.0	1,440 (-8%)	1mo	$322,000	$224	67
3422 Randi Rd	0.37mi	3/2.0	1,492 (-5%)	10mo	$364,500	$244	66
4416 Homan Loop	0.34mi	3/2.0	1,419 (-10%)	3mo	$330,000	$233	66
4694 Monica St	0.39mi	3/2.0	1,631 (+4%)	12mo	$345,000	$212	65
4654 Ramsell Rd	0.38mi	3/2.0	1,472 (-6%)	15mo	$335,000	$228	60
4788 Rostas Way	0.75mi	3/2.0	1,516 (-3%)	1mo	$500,000	$330	59
4414 Cameo Cir	0.68mi	3/2.0	1,547 (-1%)	12mo	$339,000	$219	56
4156 Nadira Ct	0.66mi	3/2.0	1,794 (+14%)	5mo	$435,000	$242	41

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 17.6%
• Equity multiple: 2.44×
• Total profit: $175,341
• Equity at exit: $391,432

10-year hold

• IRR: 16.6%
• Equity multiple: 5.64×
• Total profit: $565,044
• Equity at exit: $844,138

Cash invested: $121,660 (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 32163

• Home prices YoY: 9.8%
• Active inventory: 265
• Price-to-rent: 12.7×

Monthly cashflow live

• Estimated rent: $2,853 medium
• Mortgage (P&I): −$2,279
• Tax from tax record: −$556 /mo · $6,667/yr
• Insurance: −$181
• HOA: −$204
• Vacancy / Maint / Mgmt: −$599
• Net cashflow: $-965

Break-even live

Break-even rent $4,075

Max offer price $263,990

Occupancy floor —

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: $108,625
• Closing costs: $13,035
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3359 Brianna Ln The Villages, FL	3.0	2.0	1584	$3,100	$1.96	21d	1	0.51mi
3412 Melissa Ln The Villages, FL	2.0	2.0	1148	$2,200	$1.92	21d	1	0.75mi
2910 Monument Way The Villages, FL	2.0	2.0	1494	$2,600	$1.74	21d	1	0.85mi

HOA detail

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

Listing history 1 events

1. 2026-03-17
   listed $434,500 Active

ⓘ 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: $6,667 · $556/mo
• Projected year-2 tax: $6,667 · $556/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 ≥108°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 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $34,237
• − Mortgage interest: −$24,339
• − Property taxes: −$6,667
• − Insurance: −$2,172
• − Repairs & maintenance: −$2,739
• − Management: −$2,739
• − HOA: −$2,448
• − Depreciation: −$12,640
• Taxable loss: −$19,507
• Est. tax savings @ 24.0%: +$4,682
• After-tax cash flow: $-6,901/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: Sumter
• NCES district ID: 1201800
• Math proficiency: 61% ▼ -4.00%
• Reading proficiency: 61% ▼ -2.00%
• Median HH income: $48,240
• Composite: 51.74/100
• National rank: #1682
• State rank: #11 of 73 in FL

Livability — Wildwood

• Score: 69/100
• State rank: #471
• US rank: #8500

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wildwood, FL
• County: Sumter County · 110,591 people
• City population: 21,568
• Metro: The Villages, FL
• Population (ZIP): 28,549
• Household income: $96,775
• Rent vs Own: 5.7% rent · 94.3% own
• Severe rent burden: 307.0

Population outlook (Sumter County) Hauer SSP2

• Today (2025): 161,172 people
• By 2030: 180,083 · +11.7%
• By 2040: 209,892 · +30.2%
• By 2050: 234,186 · +45.3%
• By 2075: 284,602 · +76.6%
• By 2100: 317,039 · +96.7%

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%
• Common ancestry: Romanian 6% Lithuanian 3% Iranian 3%
• Foreign-born: 6% · Canada, Vietnam
• Languages at home: 96% English-only · Spanish 2% Vietnamese 1% Other Indo-European 0%

Political lean MEDSL · Sumter

• 2024 margin: Solid R (+37.6) · D 30.9% · R 68.6%
• 2008→2024 swing: -10.6pp toward R · 2008: -27.0pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+36.1 2016: R+39.2 2012: R+34.9 2008: R+27.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 20.47%
• Current HPI: 229.0075
• Rent YoY: —
• 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

1 event — show timeline

• 2026-03-17 Listed $434,500 Stellar MLS as Distributed by MLS Grid

Property tax history

+170.3%/yr

Latest (2025): $6,667 · +1.1% YoY. Source: county tax records.