312 E 7th St · Apopka, FL 32703

$175,000

3 bd · 1.0 ba · 1,018 sqft · SingleFamily public records · 6 Days on market

Built 1901 8,999 sqft lot Est $180k · at est.

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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 +9.4/10.0
• ARV discount +8.8/15.0
• 1% rule +6.5/10.0
• Schools +4.1/10.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Rent growth +1.8/5.0
• Appreciation +0.0/10.0

Listing remarks

Real Estate Investors! Start your portfolio or add to your current inventory with this Cash Flow Opportunity! The current tentants would like to stay at this fantastic Apopka location. Not the landlord type? Perhaps your vision is to restore this 125 year old gem to its original glory and truly live the Good Old Days. Contact your agent to learn more and schedule a time to see this piece of old Apopka.

Key facts

• 125 year old gem
• 8,999 sq ft lot
• Built 1901

Tags

• 125 YEAR OLD GEM

Property features AI

Finance

• Other: Zoning: MU-D; Property type: Residential — Single family residence; Property is unfurnished; Living area approx. 1,018 sq ft (public records); Building area total approx. 1,167 sq ft
• Financial info: No lease restrictions reported
• HOA & community: No HOA; Pets allowed

Exterior

• Parking: No parking details provided
• Security: No security features listed
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Cable available
• Home design: Single family residence; One story; North-facing
• Construction: Stucco and frame construction; Metal roof; Built on pillar/post/pier foundation; Lot about 0.21 acre (approx. 0.21)
• Exterior features: Fenced (type: other); Asphalt/paved road access; Lot dimensions approximately 60 x 150

Interior

• Kitchen: Range; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Other heating; Other cooling; Fireplace in the living room
• Interior features: No additional interior features listed; Crawl space foundation
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $499 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Cap rate 9.7% vs local median 3.8% in Apopka — 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 66/100 on livability (#594 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living B+, employment B; Watch: crime D-, amenities F, commute F.
• Orange (suburban): math 46% / reading 51% proficiency, ranked #43 of 73 in FL (top 59%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Lovell Elementary (math 34% / reading 32%, grade F, #1,773 of 2,144 statewide, top 83%, 643 students, 76% FRL); Apopka Middle (math 37% / reading 40%, grade F, #384 of 571 statewide, top 68%, 997 students, 56% FRL); Apopka High (math 19% / reading 47%, grade F, #406 of 667 statewide, top 61%, 3,507 students, 42% FRL) — zoned schools at 58% FRL track the district average.
• Zoned-school proficiency averages 35% at this address vs 48% district-wide (-14 pts) — the specific schools serving this property underperform the Orange average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-2.8%/yr); 573 active listings in the ZIP; 21 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 8,053 units permitted in Orange County in 2024 (3,133 in 5+ unit buildings).
• This rent runs 33% of the median local income ($73k/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 $5k of value loss. Plan a longer hold.
• Orange County population projected at +52% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 20y 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 $88k; list at $175k implies a 98% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1901 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $175,000

Questions for the listing agent

1. Built in 1901 — 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 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?
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. 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.
6. 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.
7. 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: 1.15% ✓
• Cap rate: 9.72%
• Cash-on-cash: 12.23%
• DSCR: 1.54
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $180,186
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
830 Apopka Blvd	0.22mi	3/1.0	960 (-6%)	10mo	$170,000	$177	72
555 Monroe Ave	0.53mi	3/2.0	1,056 (+4%)	8mo	$160,000	$152	58
145 W Michael Gladden Blvd	0.62mi	3/1.0	1,003 (-2%)	21mo	$100,000	$100	51
938 Marvin C Zanders Ave	0.59mi	3/2.0	1,076 (+6%)	12mo	$285,000	$265	49

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: $-2,492
• Equity at exit: $26,093

10-year hold

• IRR: 5.0%
• Equity multiple: 1.32×
• Total profit: $15,812
• Equity at exit: $15,131

Cash invested: $49,000 (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 32703

• Rents YoY: -2.8%
• Active inventory: 573
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $2,013 high
• Mortgage (P&I): −$918
• Tax from tax record: −$101 /mo · $1,207/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$423
• Net cashflow: $499

Break-even live

Break-even rent $1,381

Max offer price $175,000

Occupancy floor 70%

Sensitivity live

Price	-10% $598	-5% $549	+0% $499	+5% $450	+10% $400
Rent	-10% $340	-5% $420	+0% $499	+5% $579	+10% $658
Rate	-1.0pp $588	-0.5pp $544	base $499	+0.5pp $454	+1.0pp $408

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
40 W 12th St Apopka, FL	4.0	2.0	1437	$2,899	$2.02	23d	1	0.63mi
1137 S Christiana Ave Apopka, FL	2.0	2.0	700	$1,150	$1.64	25d	1	0.65mi
50 W 12th St Apopka, FL	4.0	2.0	1437	$2,300	$1.60	16d	1	0.65mi
1145 S Christiana Ave Apopka, FL	2.0	2.0	770	$1,150	$1.49	15d	1	0.66mi
1145 S Christiana Ave Apopka, FL	2.0	2.0	770	$1,150	$1.49	25d	1	0.66mi
617 E 1st St Apopka, FL	2.0	2.0	1288	$2,195	$1.70	25d	1	0.69mi
1357 Woodwind Dr Apopka, FL	3.0	2.0	1174	$2,200	$1.87	9d	1	0.91mi
356 W 4th St Apopka, FL	3.0	2.0	1250	$2,300	$1.84	25d	1	0.92mi
487 Blue Bird St Apopka, FL	2.0	1.0	1075	$1,750	$1.63	25d	1	0.96mi
1460 Marvin C. Zanders Ave Unit A Apopka, FL	2.0	1.0	840	$1,650	$1.96	6d	1	1.01mi
1576 Palmstone Dr Apopka, FL	3.0	2.0	1180	$1,959	$1.66	9d	1	1.06mi
137 W 20th St Apopka, FL	3.0	2.0	1209	$2,045	$1.69	23d	1	1.07mi
1236 Dovehill Dr Unit 1244 Apopka, FL	2.0	2.5	1052	$1,700	$1.62	25d	1	1.12mi
402 W 17th St Apopka, FL	4.0	2.0	1380	$1,950	$1.41	25d	1	1.16mi
178 Dovetail Ct Apopka, FL	3.0	2.0	1158	$2,150	$1.86	25d	1	1.16mi
1008 Royal Oaks Dr Apopka, FL	3.0	2.0	1368	$2,295	$1.68	23d	1	1.25mi
850 E Votaw Rd Apopka, FL	2.0	1.0	912	$1,595	$1.75	16d	1	1.25mi
220 Bonnie Glen Ln Apopka, FL	3.0	2.0	1141	$2,175	$1.91	6d	1	1.37mi
1248 E Cleveland St Apopka, FL	4.0	2.0	1213	$1,989	$1.64	4d	1	1.39mi
1635 Callie Ct Apopka, FL	3.0	2.5	1285	$1,795	$1.40	25d	1	1.46mi
440 Breezeway Dr Apopka, FL	3.0	2.0	1148	$1,956	$1.70	23d	1	1.48mi

Listing history 5 events

1. 2026-06-13
   statusdays on market $175,000 Pending 6 DOM
2. 2026-06-09
   days on market $175,000 Active 5 DOM
3. 2026-06-08
   days on market $175,000 Active 4 DOM
4. 2026-06-07
   remarks 408-char remark
5. 2026-06-07
   listed $175,000 Active 3 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: $1,207 · $101/mo
• Projected year-2 tax: $1,452 · $121/mo
• Expected delta: +$246/yr (+$20/mo · 20.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 66% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 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: $24,161
• − Mortgage interest: −$9,803
• − Property taxes: −$1,207
• − Insurance: −$875
• − Repairs & maintenance: −$1,933
• − Management: −$1,933
• − Depreciation: −$5,091
• Taxable income: $3,320
• Est. tax owed @ 24.0%: −$797
• After-tax cash flow: $5,196/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: Orange
• NCES district ID: 1201440
• Math proficiency: 46% ▼ -9.00%
• Reading proficiency: 51% ▼ -2.00%
• Median HH income: $49,350
• Composite: 41.47/100
• National rank: #3461
• State rank: #43 of 73 in FL

Livability — Apopka

• Score: 66/100
• State rank: #594
• US rank: #11020

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Apopka, FL
• County: Orange County · 1,471,359 people
• City population: 109,852
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 59,269
• Household income: $72,880
• Rent vs Own: 34.2% rent · 65.8% own
• Severe rent burden: 2191.0

Population outlook (Orange County) Hauer SSP2

• Today (2025): 1,618,226 people
• By 2030: 1,787,404 · +10.5%
• By 2040: 2,125,621 · +31.4%
• By 2050: 2,454,016 · +51.6%
• By 2075: 3,173,711 · +96.1%
• By 2100: 3,607,781 · +122.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Highly diverse neighborhood (Simpson 0.71)
• Race & ethnicity: White 35% Hispanic / Latino 30% Black 28% Two or more races 16% Asian 3%
• Hispanic origin (detail): Mexican 6% Puerto Rican 12% Cuban 3% Dominican 2%
• Common ancestry: Hispanic 4% Romanian 1% Italian 1%
• Foreign-born: 18% · Canada, Jamaica, Vietnam
• Languages at home: 71% English-only · Spanish 22% French/Haitian/Cajun 3% Other Indo-European 1%

Political lean MEDSL · Orange

• 2024 margin: D (+13.6) · D 56.1% · R 42.5% · Other 1.3%
• 2008→2024 swing: -5.0pp toward R · 2008: 18.6pp · 2024: 13.6pp
• All cycles: 2024: D+13.6 2020: D+23.1 2016: D+24.6 2012: D+18.2 2008: D+18.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -206.30%
• Current HPI: 319.2139
• Rent YoY: ▼ -2.75%
• Metro: Orlando-Kissimmee-Sanford, 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

+400.0% since first listed

12 events — show timeline

• 2026-06-04 Listed $175,000 Stellar MLS as Distributed by MLS Grid
• 2012-08-29 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2012-02-21 Listed $14,000 Stellar MLS as Distributed by MLS Grid
• 2011-12-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2011-12-01 Listed $19,900 Stellar MLS as Distributed by MLS Grid
• 2011-06-08 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-02-08 Listed $19,000 Stellar MLS as Distributed by MLS Grid
• 2006-07-20 Sold (Public Records) $88,400 Public Records
• 2006-07-13 Sold (MLS) $88,400 Stellar MLS as Distributed by MLS Grid
• 2006-01-15 Listed $99,900 Stellar MLS as Distributed by MLS Grid
• 2005-12-22 Sold (Public Records) $35,000 Public Records
• 1995-06-08 Sold (Public Records) $35,000 Public Records

Property tax history

+2.8%/yr

Latest (2025): $1,207 · +5.8% YoY. Source: county tax records.