4755 30th Ave · Gifford, FL 32967

$225,000

3 bd · 2.0 ba · 1,297 sqft · SingleFamily public records · 16 Days on market

Built 1995 4,791 sqft lot Est $209k · 8% over

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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 +27.2/30.0
• DSCR +9.5/10.0
• 1% rule +7.0/10.0
• Schools +4.2/10.0
• ARV discount +4.0/15.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Rent growth +2.2/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

nice 4 bedroom 2 full bath single car garage in desired area of Gifford, close to 53rd street Publix shopping plaza. Limited showing times, available to show Mon-Fri 1pm or 6pm, Saturday after 12:00pm

Key facts

• New metal roof
• Tenant occupied
• A/c installed

Tags

• NEW METAL ROOF
• A/C INSTALLED
• TENANT OCCUPIED

Property features AI

Finance

• Financial info: Pets allowed
• HOA & community: No HOA (association listed as n/a)

Exterior

• Parking: Attached garage with 1 car space
• Security: Smoke detectors
• Utilities: Public water; County sewer
• Home design: Single-story home; East-facing
• Construction: Block and concrete construction; Metal roof; Built on a single story
• Exterior features: Less than quarter acre lot (approx. 40x98); Has a view; No other exterior features listed

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: Four bedrooms approximately 11x10; One bedroom approximately 14x11; One bedroom approximately 11x10
• Flooring: Tile
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Sliding doors; Pantry; Split bedroom floor plan; Unfurnished; Tile flooring
• Laundry & utility: Laundry area in garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $645 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $225k).
• Recommended offer: $222k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.7% vs local median 3.0% in Gifford — 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 68/100 on livability (#538 in FL) — a middle-class / working-renter tenant base. Strengths: commute A+, cost of living A+, health & safety A; Watch: schools D+, amenities F, employment 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.
• Market conditions: Rents soft (-1.2%/yr); 612 active listings in the ZIP; 24 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; 564 units permitted in Indian River County in 2024 (281 in 5+ unit buildings).
• This rent runs 42% of the median local income ($78k/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 $2k of loan paydown is wiped out by about $7k 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 16 days — a 2% lower offer ($222k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 14y 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.
• Current owner paid $156k; 44% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $221,625 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 1.20% ✓
• Cap rate: 9.73%
• Cash-on-cash: 12.29%
• DSCR: 1.55
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $208,817
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4885 29th Ave	0.13mi	3/2.0	1,297 (0%)	12mo	$158,000	$122	84
4755 29th Ave	0.05mi	4/2.0 (+1)	1,297 (0%)	12mo	$209,000	$161	83
4855 30th Ave	0.09mi	4/2.0 (+1)	1,297 (0%)	14mo	$209,000	$161	79
4835 29th Ave	0.09mi	4/2.0 (+1)	1,297 (0%)	14mo	$209,000	$161	79
4815 30th Ave	0.06mi	4/2.0 (+1)	1,297 (0%)	16mo	$210,000	$162	79
4826 29th Ave	0.10mi	4/2.0 (+1)	1,297 (0%)	17mo	$204,000	$157	76
4786 30th Ave	0.04mi	4/2.0 (+1)	1,200 (-8%)	15mo	$206,000	$172	68
4746 30th Ave	0.03mi	4/2.0 (+1)	1,200 (-8%)	15mo	$205,000	$171	68
4866 29th Ave	0.13mi	4/2.0 (+1)	1,200 (-8%)	20mo	$199,500	$166	60
4353 30th Ave	0.54mi	3/2.0	1,102 (-15%)	5mo	$127,000	$115	46
4248 26th Ave	0.70mi	3/2.0	1,470 (+13%)	3mo	$230,000	$156	43
5015 Fairways Cir Unit A205	0.63mi	2/2.0 (-1)	1,471 (+13%)	16mo	$305,000	$207	30

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: -1.4%
• Equity multiple: 0.95×
• Total profit: $-3,296
• Equity at exit: $33,548

10-year hold

• IRR: 4.8%
• Equity multiple: 1.31×
• Total profit: $19,382
• 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 32967

• Home prices YoY: -24.4%
• Rents YoY: -1.2%
• Active inventory: 612
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $2,710 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$222 /mo · $2,659/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$569
• Net cashflow: $645

Break-even live

Break-even rent $1,893

Max offer price $225,000

Occupancy floor 71%

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 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5045 Fairways Cir Unit D101 Vero Beach, FL	3.0	2.0	1848	$2,200	$1.19	13d	1	0.49mi
5050 Fairways Cir Vero Beach, FL	2.0	2.0	1085	$1,750	$1.61	21d	2	0.54mi
5035 Fairways Cir Vero Beach, FL	1.0–2.0	1.0–2.0	1191	$2,400	$2.01	21d	5	0.57mi
5020 Fairways Cir Vero Beach, FL	2.0	2.0	1345	$2,125	$1.58	21d	2	0.57mi
5095 Fairways Cir Vero Beach, FL	3.0	2.0	1190	$2,450	$2.06	21d	2	0.66mi
5095 Fairways Cir Vero Beach, FL	2.0–3.0	2.0	1092	$2,500	$2.29	13d	3	0.66mi
4248 26th Ave Vero Beach, FL	3.0	2.0	1531	$2,200	$1.44	13d	1	0.68mi
4016 Basket Oak Cir Vero Beach, FL	2.0	2.0	1577	$2,550	$1.62	21d	1	0.77mi
2010 Bridgepointe Cir Unit 102 Vero Beach, FL	3.0	3.0	1774	$5,000	$2.82	21d	1	0.77mi
2025 Bridgepointe Cir #118 Vero Beach, FL	3.0	2.5	1702	$3,450	$2.03	13d	1	0.80mi
5075 Harmony Cir #103 Vero Beach, FL	2.0	2.0	1368	$2,500	$1.83	13d	1	1.02mi
4350 Doubles Alley Dr #203 Vero Beach, FL	2.0	2.0	1168	$2,000	$1.71	13d	1	1.06mi
5080 Harmony Cir #304 Vero Beach, FL	2.0	2.0	1368	$8,500	$6.21	13d	1	1.09mi
5045 Harmony Cir #102 Vero Beach, FL	2.0	2.0	1368	$9,500	$6.94	13d	1	1.11mi
1638 Baseline Ln Vero Beach, FL	3.0	2.5	1766	$4,500	$2.55	21d	1	1.12mi
1590 S 42nd Cir Vero Beach, FL	2.0–3.0	2.0	1234	$2,500	$2.03	21d	3	1.19mi
1640 N 42nd Cir Vero Beach, FL	2.0	2.0	1127	$1,998	$1.77	21d	2	1.20mi
1345 Saint Davids Ln Vero Beach, FL	2.0	2.5	1581	$4,000	$2.53	21d	1	1.22mi
4890 48th Ave Vero Beach, FL	3.0	2.0	1469	$2,300	$1.57	21d	1	1.26mi
1550 S 42nd Cir Vero Beach, FL	2.0–3.0	2.0	1234	$2,300	$1.86	13d	3	1.28mi
5204 Jasper Sq Vero Beach, FL	4.0	2.0	1850	$3,000	$1.62	21d	1	1.28mi
4920 48th Pl Vero Beach, FL	3.0	2.0	1643	$3,200	$1.95	13d	1	1.31mi
5225 E Harbor Village Dr #303 Vero Beach, FL	3.0	2.0	1582	$13,000	$8.22	21d	1	1.46mi
4625 55th St Vero Beach, FL	4.0	2.0	1613	$2,800	$1.74	13d	1	1.49mi

Listing history 13 events

1. 2026-06-19
   days on market $225,000 Active 16 DOM
2. 2026-06-18
   days on market $225,000 Active 15 DOM
3. 2026-06-17
   days on market $225,000 Active 14 DOM
4. 2026-06-16
   days on market $225,000 Active 13 DOM
5. 2026-06-15
   days on market $225,000 Active 12 DOM
6. 2026-06-14
   days on market $225,000 Active 10 DOM
7. 2026-06-13
   statusdays on market $225,000 Active 9 DOM
8. 2026-06-08
   status $225,000 Pending 7 DOM
9. 2026-06-07
   days on market $225,000 Active 7 DOM
10. 2026-06-05
    days on market $225,000 Active 4 DOM
11. 2026-06-02
    days on market $225,000 Active 2 DOM
12. 2026-06-01
    remarks 502-char remark
13. 2026-06-01
    listed $225,000 Active 1 DOM

ⓘ 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: $2,659 · $222/mo
• Projected year-2 tax: $2,659 · $222/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 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°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: $32,515
• − Mortgage interest: −$12,603
• − Property taxes: −$2,659
• − Insurance: −$1,125
• − Repairs & maintenance: −$2,601
• − Management: −$2,601
• − Depreciation: −$6,545
• Taxable income: $4,380
• Est. tax owed @ 24.0%: −$1,051
• After-tax cash flow: $6,693/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 — Gifford

• Score: 68/100
• State rank: #538
• US rank: #10083

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Gifford, FL
• County: Indian River County · 143,738 people
• Metro: Sebastian-Vero Beach, FL
• Population (ZIP): 27,240
• Household income: $78,058
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 674.0

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: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 60% Black 17% Two or more races 16% Hispanic / Latino 15%
• Hispanic origin (detail): Mexican 4% Puerto Rican 4% Cuban 2% Salvadoran 2%
• Common ancestry: Romanian 3% Hispanic 3% Lithuanian 3%
• Foreign-born: 10% · Canada, Jamaica
• Languages at home: 86% English-only · Spanish 9% French/Haitian/Cajun 3% Russian/Polish/Slavic 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: ▼ -91.34%
• Current HPI: 282.6156
• Rent YoY: ▼ -1.16%
• 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

+200.4% since first listed

10 events — show timeline

• 2026-05-31 Listed $225,000 RAIRCMLS
• 2024-08-02 Sold (MLS) $156,350 RAIRCMLS
• 2024-07-29 Sold (Public Records) $156,300 Public Records
• 2024-06-15 Pending — RAIRCMLS
• 2024-06-07 Listed $180,000 RAIRCMLS
• 2024-06-07 Listed $180,000 RAIRCMLS
• 2016-08-16 Listing Removed — SCMLS
• 2013-07-23 Sold (Public Records) $81,000 Public Records
• 2013-07-16 Sold (MLS) $81,000 RAIRCMLS
• 2012-06-07 Listed $74,900 SCMLS

Property tax history

+9.5%/yr

Latest (2025): $2,659 · +28.0% YoY. Source: county tax records.