14 S Glenwood Avenue Ave · Avon Park, FL 33825

$99,000

3 bd · 2.0 ba · 944 sqft · SingleFamily public records · 91 Days on market

Built 1962 5,100 sqft lot Est $147k · 33% under

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Why this score? — see what drove the B+ 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 +30.0/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +8.6/10.0
• Schools +3.6/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

STOP RENTING & START BUILDING EQUITY! Priced to SELL at $135k, this 3-bedroom, 2-bathroom Avon Park gem is the perfect "entry-level" project for a first-time buyer or savvy investor. Why pay a premium for someone else’s design choices when you can customize this home exactly how you want it? This home features a solid 3/2 split floor plan, spacious backyard, a Florida room with great natural light, and an attached shed/storage with NO HOA. It needs your vision to make it a home. Large lot, minutes from downtown dining and the lakes, and priced to be the lowest-priced 3/2 in the zip code. Sold AS-IS. If you’ve got a toolbox and a dream, this is the one. Grab this

Key facts

• Spacious backyard
• Florida room
• Large lot

Tags

• SPACIOUS BACKYARD
• FLORIDA ROOM
• ATTACHED SHED STORAGE
• SOLID SPLIT FLOOR PLAN
• LARGE LOT
• MINUTES FROM DOWNTOWN DINING

Property features AI

Finance

• Other: Homestead exempt; Property zoned R1A; Residential single family property
• HOA & community: Not in a development; No HOA association indicated

Exterior

• Parking: Has carport (1 space)
• Utilities: Public water; Public sewer; Broadband/high-speed internet available; Cable available; Electricity available
• Home design: Single family residence; One story; Faces east
• Construction: Vinyl siding; Shingle roof; Block foundation; Crawlspace foundation; Built on lot size approximately 0.12 acres (50 x 102)
• Exterior features: Private mailbox; Storage

Interior

• Kitchen: No appliances included
• Bedrooms: 3 bedrooms
• Flooring: Tile flooring; Wood flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Ductless heating; Central air conditioning; Wall/Window unit(s)
• Interior features: Open floorplan; Walk-in closet(s)
• Laundry & utility: Inside laundry with washer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $99k.

Deal economics

• At list price, monthly cash flow is $478 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $99k).
• Recommended offer: $90k (9.0% below list) — sets the bar for market timing.
• Cap rate 12.1% vs local median 3.9% in Avon Park — 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 71/100 on livability (#407 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D+, schools F, amenities F.
• Highlands (other): math 45% / reading 43% proficiency, ranked #54 of 73 in FL (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 475 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 980 units permitted in Highlands County in 2024 (80 in 5+ unit buildings).
• This rent runs 35% of the median local income ($47k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $684 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 91 days — a 9% lower offer ($90k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $36k (27%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $39k; list at $99k implies a 154% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: 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 $90,090 (9.0% below list)

Questions for the listing agent

1. It's been on market 91 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1962 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
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: 1.36% ✓
• Cap rate: 12.09%
• Cash-on-cash: 20.69%
• DSCR: 1.92
• GRM: 6.1

CMA / ARV

• ARV (on-the-fly): $147,264
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
12 N Desoto Ave	0.18mi	3/2.0	966 (+2%)	20mo	$194,900	$202	71
131 E Camphor St	0.53mi	2/2.0 (-1)	957 (+1%)	6mo	$128,000	$134	64
94 S Desoto Ave	0.15mi	3/2.0	1,012 (+7%)	22mo	$205,000	$203	63
603 W Pleasant St	0.31mi	2/1.0 (-1)	850 (-10%)	2mo	$85,000	$100	59
907 Gwendolynn St	0.56mi	3/2.0	1,030 (+9%)	2mo	$62,000	$60	58
907 W Circle St	0.45mi	3/2.0	1,056 (+12%)	13mo	$149,900	$142	48
109 E State St	0.58mi	2/2.0 (-1)	1,026 (+9%)	14mo	$160,300	$156	42
715 W Oak Lane St	0.66mi	3/1.0	1,080 (+14%)	1mo	$190,000	$176	41
602 S Delaney Ave	0.65mi	3/1.0	830 (-12%)	11mo	$90,000	$108	36
304 N Byrd Ave	0.41mi	2/1.0 (-1)	804 (-15%)	15mo	$150,000	$187	35

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 13.0%
• Equity multiple: 1.52×
• Total profit: $14,358
• Equity at exit: $14,761

10-year hold

• IRR: 21.9%
• Equity multiple: 2.86×
• Total profit: $51,542
• Equity at exit: $8,560

Cash invested: $27,720 (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 33825

• Home prices YoY: -25.9%
• Active inventory: 475
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $1,351 medium
• Mortgage (P&I): −$519
• Tax from tax record: −$29 /mo · $343/yr
• Insurance: −$41
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $478

Break-even live

Break-even rent $746

Max offer price $99,000

Occupancy floor 60%

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: $24,750
• Closing costs: $2,970
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
565 Luminary LOOP Avon Park, FL	2.0–3.0	1.5–2.0	1142	$1,140	$1.00	23d	6	0.08mi

Listing history 22 events

1. 2026-06-19
   days on market $99,000 Active 91 DOM
2. 2026-06-18
   days on market $99,000 Active 90 DOM
3. 2026-06-17
   days on market $99,000 Active 89 DOM
4. 2026-06-16
   days on market $99,000 Active 88 DOM
5. 2026-06-15
   days on market $99,000 Active 87 DOM
6. 2026-06-14
   days on market $99,000 Active 85 DOM
7. 2026-06-10
   days on market $99,000 Active 82 DOM
8. 2026-06-09
   days on market $99,000 Active 81 DOM
9. 2026-06-08
   days on market $99,000 Active 80 DOM
10. 2026-06-07
    days on market $99,000 Active 79 DOM
11. 2026-06-02
    days on market $99,000 Active 74 DOM
12. 2026-06-01
    days on market $99,000 Active 73 DOM
13. 2026-05-31
    days on market $99,000 Active 72 DOM
14. 2026-05-30
    days on market $99,000 Active 71 DOM
15. 2026-04-28
    price $99,000
16. 2026-04-11
    price $109,000
17. 2026-04-06
    price $119,000
18. 2026-03-20
    listed $135,000 Active
19. 2025-04-10
    listed $119,900
20. 2025-04-10
    historical
21. 2012-05-11
    soldstatus $39,000
22. 1996-11-18
    soldstatus $20,000

ⓘ 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: $343 · $29/mo
• Projected year-2 tax: $822 · $68/mo
• Expected delta: +$478/yr (+$40/mo · 139.4%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,206
• − Mortgage interest: −$5,546
• − Property taxes: −$343
• − Insurance: −$495
• − Repairs & maintenance: −$1,297
• − Management: −$1,297
• − Depreciation: −$2,880
• Taxable income: $4,350
• Est. tax owed @ 24.0%: −$1,044
• After-tax cash flow: $4,691/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: Highlands
• NCES district ID: 1200840
• Math proficiency: 45% ▼ -7.00%
• Reading proficiency: 43% ▼ -3.00%
• Median HH income: $35,276
• Composite: 36.42/100
• National rank: #4672
• State rank: #54 of 73 in FL

Livability — Avon Park

• Score: 71/100
• State rank: #407
• US rank: #7205

Category grades

Amenities F 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: Avon Park, FL
• County: Highlands County · 98,898 people
• City population: 25,501
• Metro: Sebring-Avon Park, FL
• Population (ZIP): 25,501
• Household income: $46,949
• Rent vs Own: 25.9% rent · 74.1% own
• Severe rent burden: 691.0

Population outlook (Highlands County) Hauer SSP2

• Today (2025): 99,674 people
• By 2030: 99,615 · -0.1%
• By 2040: 99,342 · -0.3%
• By 2050: 98,242 · -1.4%
• By 2075: 93,291 · -6.4%
• By 2100: 79,894 · -19.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: White 51% Hispanic / Latino 27% Black 17% Two or more races 11% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 13% Cuban 2%
• Common ancestry: Slovak 2% Lithuanian 2% Iranian 1%
• Foreign-born: 10% · Canada, Vietnam, Guatemala
• Languages at home: 74% English-only · Spanish 24% Tagalog/Filipino 1%

Political lean MEDSL · Highlands

• 2024 margin: Solid R (+40.8) · D 29.3% · R 70.1%
• 2008→2024 swing: -22.7pp toward R · 2008: -18.1pp · 2024: -40.8pp
• All cycles: 2024: R+40.8 2020: R+34.4 2016: R+32.0 2012: R+23.0 2008: R+18.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -98.54%
• Current HPI: 281.8067
• Rent YoY: —
• Metro: Sebring-Avon Park, 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

+395.0% since first listed

8 events — show timeline

• 2026-04-28 Price Changed $99,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-11 Price Changed $109,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-06 Price Changed $119,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-20 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 2025-04-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-04-10 Listed $119,900 Stellar MLS as Distributed by MLS Grid
• 2012-05-11 Sold (Public Records) $39,000 Public Records
• 1996-11-18 Sold (Public Records) $20,000 Public Records

Property tax history

+4.0%/yr

Latest (2025): $343 · +15.3% YoY. Source: county tax records.