4765 30th Ave · Gifford, FL 32967

$210,000

3 bd · 2.0 ba · 1,297 sqft · SingleFamily public records · 5 Days on market

Built 1995 Est $209k · at est.

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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 +29.6/30.0
• DSCR +10.0/10.0
• 1% rule +7.9/10.0
• ARV discount +7.2/15.0
• Schools +4.2/10.0
• 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

One of 58 units being sold. Picture''s are of model unit. Effective age, 2012, Completely remodeled! Wonderful living space in Vero Beach community! Tile in traffic areas and new carpet in bedrooms, updated kitchen with appliance package and granite bar counter! New A/C units, wiring and water heaters too! Beautifully painted inside and out, ready for it''s new family! Is that you?

Key facts

• Newer ac unit
• New blinds installed
• Newer roof

Tags

• NEWER ROOF
• NEWER AC UNIT
• FRESHLY PAINTED
• NEW BLINDS INSTALLED
• CATHEDRAL CEILINGS
• CEILING FANS

Property features AI

Finance

• Financial info: Pets allowed
• HOA & community: Association: Suncoast Realty & Rental

Exterior

• Parking: Garage; 1-car garage
• Security: Smoke detector(s)
• Utilities: Public water; County sewer
• Home design: Single-story; Residential property
• Construction: Block and concrete construction; Shingle roof
• Exterior features: Patio; Property has a view; Property faces east; Less than quarter-acre lot

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: Bedroom (11 x 10); Bedroom (11 x 10); Bedroom (11 x 11); Bedroom (14 x 11)
• Flooring: Tile; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: High ceilings; Vaulted ceiling(s); Split bedroom floorplan; Walk-in closet(s); Single-hung windows; Window treatments; Sliding doors; Unfurnished
• Laundry & utility: Laundry in garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $756 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $210k).
• Cap rate 10.6% 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 $1k of loan paydown is wiped out by about $6k 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

• Only 5 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 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 $80k; list at $210k implies a 163% 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 $210,000

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: 1.29% ✓
• Cap rate: 10.61%
• Cash-on-cash: 15.42%
• DSCR: 1.69
• GRM: 6.5

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	0.12mi	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	0.08mi	4/2.0 (+1)	1,297 (0%)	14mo	$209,000	$161	80
4815 30th Ave	0.05mi	4/2.0 (+1)	1,297 (0%)	16mo	$210,000	$162	80
4835 29th Ave	0.08mi	4/2.0 (+1)	1,297 (0%)	14mo	$209,000	$161	79
4826 29th Ave	0.10mi	4/2.0 (+1)	1,297 (0%)	17mo	$204,000	$157	77
4786 30th Ave	0.04mi	4/2.0 (+1)	1,200 (-8%)	15mo	$206,000	$172	68
4746 30th Ave	0.04mi	4/2.0 (+1)	1,200 (-8%)	15mo	$205,000	$171	68
4866 29th Ave	0.12mi	4/2.0 (+1)	1,200 (-8%)	20mo	$199,500	$166	60
4353 30th Ave	0.55mi	3/2.0	1,102 (-15%)	5mo	$127,000	$115	45
4248 26th Ave	0.71mi	3/2.0	1,470 (+13%)	3mo	$230,000	$156	42
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: 2.8%
• Equity multiple: 1.10×
• Total profit: $6,168
• Equity at exit: $31,312

10-year hold

• IRR: 9.3%
• Equity multiple: 1.62×
• Total profit: $36,668
• Equity at exit: $18,157

Cash invested: $58,800 (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: 6.5×

Monthly cashflow live

• Estimated rent: $2,710 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$196 /mo · $2,352/yr
• Insurance: −$88
• HOA: −$0
• Vacancy / Maint / Mgmt: −$569
• Net cashflow: $756

Break-even live

Break-even rent $1,753

Max offer price $210,000

Occupancy floor 67%

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: $52,500
• Closing costs: $6,300
• 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 5 events

1. 2026-05-21
   status Pending
2. 2026-05-15
   listed $210,000 Active
3. 2016-08-16
   historical 384-char remark

   Show marketing remark (384 chars)

   One of 58 units being sold. Picture''s are of model unit. Effective age, 2012, Completely remodeled! Wonderful living space in Vero Beach community! Tile in traffic areas and new carpet in bedrooms, updated kitchen with appliance package and granite bar counter! New A/C units, wiring and water heaters too! Beautifully painted inside and out, ready for it''s new family! Is that you?

4. 2013-11-22
   soldstatus $79,900 238-char remark

   Show marketing remark (238 chars)

   This is a totally renovated home in a redeveloped subdivision. Everything is brand new inside. Spacious floor plan. Ceramic tile in all of the living areas. Plush carpeting in the bedrooms. Hanging light fixtures and stylish ceiling fans.

5. 2012-06-07
   listed $74,900 384-char remark

   Show marketing remark (384 chars)

   One of 58 units being sold. Picture''s are of model unit. Effective age, 2012, Completely remodeled! Wonderful living space in Vero Beach community! Tile in traffic areas and new carpet in bedrooms, updated kitchen with appliance package and granite bar counter! New A/C units, wiring and water heaters too! Beautifully painted inside and out, ready for it''s new family! Is that you?

ⓘ 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: $2,352 · $196/mo
• Projected year-2 tax: $2,352 · $196/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: −$11,763
• − Property taxes: −$2,352
• − Insurance: −$1,050
• − Repairs & maintenance: −$2,601
• − Management: −$2,601
• − Depreciation: −$6,109
• Taxable income: $6,038
• Est. tax owed @ 24.0%: −$1,449
• After-tax cash flow: $7,621/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

+180.4% since first listed

5 events — show timeline

• 2026-05-21 Pending — RAIRCMLS
• 2026-05-15 Listed $210,000 RAIRCMLS
• 2016-08-16 Listing Removed — SCMLS
• 2013-11-22 Sold (MLS) $79,900 RAIRCMLS
• 2012-06-07 Listed $74,900 SCMLS

Property tax history

+7.7%/yr

Latest (2025): $2,352 · +13.3% YoY. Source: county tax records.