5427 Compass Pt #1 · Wildwood, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 4/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 8/10 · Major
- Hot days now (above 109°F)
- 4 days/yr
- Hot days in 30 yrs
- 10 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D- 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).
- ARV discount +12.4/15.0
- Cash flow +6.8/30.0
- 1% rule +4.5/10.0
- Schools +4.3/10.0
- Condition / age +3.8/5.0
- Livability +3.5/5.0
- Rent growth +2.5/5.0
- DSCR +1.1/10.0
- Appreciation +0.0/10.0
$197,500
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Resort-Style Living in a Gated Community with Maintenance Included! Come relax and enjoy easy living in this beautifully maintained 2-bedroom, 2-bath downstairs condo with a single-car garage located in the desirable Lakeside Landings community. Step inside to find fresh paint, volume ceilings, and tile flooring throughout the main living areas, creating a light, bright, and welcoming space that’s both family- and pet-friendly. The paver driveway and walkway add to the home’s curb appeal, while the screened-in lanai offers the perfect spot to unwind and enjoy peaceful green space views in your backyard.
Key facts
- Gated community
- Green space views
- Maintenance included
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath condo listed at $198k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-305 ($-4k/yr) — negative.
- To cash-flow at today's rent, offer at most $153k (22.3% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $187k (5.4% below list).
- Recommended offer: $153k (22.3% 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: amenities F, commute F, employment D-.
- 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.
- Zoned schools: Wildwood Elementary School (math 49% / reading 52%, grade D+, #1,055 of 2,144 statewide, top 50%, 940 students, 76% FRL); South Sumter Middle School (math 55% / reading 54%, grade B-, #183 of 571 statewide, top 34%, 897 students, 61% FRL) — zoned schools average 68% FRL vs 51% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: 196 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 42% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).
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.
- Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 204 days — a 12% lower offer ($174k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: HOA is 22% of rent.
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 4→10/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- It's been on market 204 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 0.95% ✗
- Cap rate
- 4.44%
- Cash-on-cash
- -6.61%
- DSCR
- 0.71
- GRM
- 8.8
CMA / ARV
- ARV (median comp)
- $221,703
- List price
- $197,500
- Delta
- -10.92%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 5281 Bowline Ct | 0.11mi | 2/2.0 | 1,281 (0%) | 1mo | $234,000 | $183 | 94 |
| 5308 Bowline Ct | 0.09mi | 3/2.0 (+1) | 1,291 (+1%) | 0mo | $205,000 | $159 | 89 |
| 2484 Kingstree Pl | 0.25mi | 2/2.0 | 1,188 (-7%) | 1mo | $265,000 | $223 | 76 |
| 2180 Jasper Way | 0.57mi | 3/2.0 (+1) | 1,240 (-3%) | 0mo | $300,000 | $242 | 63 |
| 2752 Craven Way | 0.74mi | 2/2.0 | 1,156 (-10%) | 0mo | $272,500 | $236 | 49 |
| 2623 Ascot Loop | 1.11mi | 2/2.0 | 1,156 (-10%) | 0mo | $225,000 | $195 | 48 |
| 2403 Baton Pl | 1.15mi | 2/2.0 | 1,156 (-10%) | 0mo | $270,000 | $234 | 48 |
| 1692 Indigo Ave | 1.02mi | 2/2.0 | 1,156 (-10%) | 0mo | $247,000 | $214 | 48 |
| 2343 Pine Ridge St | 1.19mi | 2/2.0 | 1,156 (-10%) | 1mo | $245,000 | $212 | 48 |
| 2117 Smoaks St | 1.38mi | 2/2.0 | 1,132 (-12%) | 0mo | $305,000 | $269 | 45 |
| 649 Ravenel Ct | 0.90mi | 3/2.0 (+1) | 1,392 (+9%) | 0mo | $373,000 | $268 | 45 |
| 1745 Lakewood Dr | 1.42mi | 3/2.0 (+1) | 1,538 (+20%) | 1mo | $464,000 | $302 | 34 |
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
- IRR
- -27.5%
- Equity multiple
- 0.08×
- Total profit
- $-51,132
- Equity at exit
- $29,448
- IRR
- -25.0%
- Equity multiple
- -0.24×
- Total profit
- $-68,368
- Equity at exit
- $17,076
Cash invested: $55,300 (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
Active competition Active MLS
- For sale now
- 0 active · 2 under contract
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 34484
- Home prices YoY
- -31.3%
- Active inventory
- 196
- Price-to-rent
- 8.8×
Monthly cashflow live
- Estimated rent
- $1,868 high interval (Pro) →
- Mortgage (P&I)
- −$1,036
- Tax est. 1.5%
- −$247 /mo · $2,962/yr
- Insurance
- −$82
- HOA
- −$416
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$392
- Net cashflow
- $-305
Break-even live
Sensitivity live
| Price | -10% $-168 | -5% $-237 | +0% $-305 | +5% $-373 | +10% $-441 |
|---|---|---|---|---|---|
| Rent | -10% $-452 | -5% $-379 | +0% $-305 | +5% $-231 | +10% $-157 |
| Rate | -1.0pp $-205 | -0.5pp $-255 | base $-305 | +0.5pp $-356 | +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
- $49,375
- Closing costs
- $5,925
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 19 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 5308 Bowline Ct Oxford, FL | 3.0 | 2.0 | 1402 | $1,800 | $1.28 | 117d | 1 | 0.09mi |
| 5336 Edgewater Way Unit 5336 Oxford, FL | 3.0 | 2.0 | 1291 | $2,000 | $1.55 | 117d | 1 | 0.10mi |
| 5336 Edgewater Way Oxford, FL | 3.0 | 2.0 | 1291 | $1,900 | $1.47 | 6d | 1 | 0.10mi |
| 2390 Southern Oak St The Villages, FL | 2.0 | 2.0 | 1156 | $5,300 | $4.58 | 117d | 1 | 0.25mi |
| 2340 Pickens Pl The Villages, FL | 2.0 | 2.0 | 1156 | $1,900 | $1.64 | 117d | 1 | 0.27mi |
| 2340 Pickens Pl The Villages, FL | 3.0 | 2.0 | 1156 | $1,900 | $1.64 | 6d | 1 | 0.27mi |
| 4992 Sandpiper Dr Oxford, FL | 3.0 | 2.0 | 1658 | $2,300 | $1.39 | 6d | 1 | 0.42mi |
| 10397 Silver Maple Ave Oxford, FL | 2.0 | 2.0 | 1514 | $1,975 | $1.30 | 6d | 1 | 0.47mi |
| 2461 Due West Dr The Villages, FL | 2.0 | 2.0 | 1100 | $1,675 | $1.52 | 6d | 1 | 0.55mi |
| 767 Willington Way The Villages, FL | 3.0 | 2.0 | 1500 | $2,100 | $1.40 | 6d | 1 | 0.58mi |
| 4808 County Road 117A Wildwood, FL | 3.0 | 2.0 | 1407 | $1,700 | $1.21 | 6d | 1 | 0.64mi |
| 2685 Craven Way The Villages, FL | 2.0 | 2.0 | 1156 | $4,600 | $3.98 | 117d | 1 | 0.66mi |
| 10457 Bethel PL Wildwood, FL | 1.0–4.0 | 1.0–2.5 | 1293 | $1,749 | $1.35 | 2d | 56 | 0.80mi |
| 2111 Thornton Ter The Villages, FL | 2.0 | 2.0 | 1156 | $4,400 | $3.81 | 117d | 1 | 0.84mi |
| 4068 Oak Ln Wildwood, FL | 1.0–3.0 | 1.0–2.0 | 1027 | $1,674 | $1.63 | 6d | 123 | 0.84mi |
| 650 Richland Rd The Villages, FL | 2.0 | 2.0 | 1188 | $4,500 | $3.79 | 117d | 1 | 0.84mi |
| 565 Brighton Dr The Villages, FL | 3.0 | 2.0 | 1838 | $5,000 | $2.72 | 6d | 1 | 0.93mi |
| 2237 Mossy Oak Dr The Villages, FL | 2.0 | 2.0 | 1156 | $1,350 | $1.17 | 6d | 1 | 1.07mi |
| 2864 Leicester Ter Unit 1525680P The Villages, FL | 2.0 | 2.0 | 1130 | $2,090 | $1.85 | 117d | 1 | 1.27mi |
Property features AI
Finance
- Other
- Association contacts listed
- Financial info
- Total monthly fees reported approximately $416.67; total annual fees reported approximately $5,000Lease restrictions apply
- HOA & community
- HOA required; association approval requiredMonthly HOA fee $260 (quarterly and other association fees noted)Quarterly association fees include pool, pest control, and trashCommunity clubhouse, community mailbox, deed restrictions, dog park, fitness center, park, playground, sidewalks, pool, tennis courts, street lightsPets allowed: cats and dogs
Exterior
- Parking
- Attached garage (1 car)
- Utilities
- Public waterPublic sewerElectricity connectedUnderground utilitiesWater connectedSewer connected
- Home design
- Residential condominiumPlanned Unit Development (PUD)One storyNorth-facing
- Construction
- Block and stucco constructionTile roofSlab foundationBuilt with typical condominium building area
- Exterior features
- Private mailboxSliding doorsAsphalt road accessLot approximately 0.05 acres
Interior
- Kitchen
- DishwasherDisposalMicrowaveRangeRefrigeratorEat-in kitchen layout
- Bedrooms
- 2 bedrooms (Floor 1)
- Flooring
- CarpetCeramic tile
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Central heatingCentral air
- Interior features
- Ceiling fansEat-in kitchenLiving room and dining room comboThermostatVaulted ceilingsWalk-in closetsWindow treatments
- Laundry & utility
- WasherDryerLaundry closet
HOA detail $416/mo · $4,992/yr condo
- Likely covers
- security
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 50 events
-
2026-09-24days on market $197,500 Active 204 DOM
-
2026-09-24days on market $197,500 Active 203 DOM
-
2026-09-22days on market $197,500 Active 202 DOM
-
2026-09-20days on market $197,500 Active 200 DOM
-
2026-09-18days on market $197,500 Active 198 DOM
-
2026-09-17days on market $197,500 Active 197 DOM
-
2026-09-16days on market $197,500 Active 196 DOM
-
2026-09-15days on market $197,500 Active 195 DOM
-
2026-09-14days on market $197,500 Active 194 DOM
-
2026-09-14days on market $197,500 Active 193 DOM
-
2026-09-12days on market $197,500 Active 192 DOM
-
2026-09-11pricedays on market $197,500 Active 191 DOM
-
2026-09-05days on market $199,900 Active 185 DOM
-
2026-09-04days on market $199,900 Active 184 DOM
-
2026-09-03days on market $199,900 Active 183 DOM
-
2026-08-31days on market $199,900 Active 180 DOM
-
2026-08-30days on market $199,900 Active 179 DOM
-
2026-08-29days on market $199,900 Active 178 DOM
-
2026-08-28days on market $199,900 Active 177 DOM
-
2026-08-27days on market $199,900 Active 176 DOM
-
2026-08-26days on market $199,900 Active 175 DOM
-
2026-08-25days on market $199,900 Active 174 DOM
-
2026-08-24days on market $199,900 Active 173 DOM
-
2026-08-23days on market $199,900 Active 172 DOM
-
2026-08-21days on market $199,900 Active 170 DOM
-
2026-08-20days on market $199,900 Active 169 DOM
-
2026-08-19days on market $199,900 Active 168 DOM
-
2026-08-18days on market $199,900 Active 167 DOM
-
2026-08-17days on market $199,900 Active 166 DOM
-
2026-08-16days on market $199,900 Active 165 DOM
-
2026-08-15days on market $199,900 Active 164 DOM
-
2026-08-14days on market $199,900 Active 163 DOM
-
2026-08-13pricedays on market $199,900 Active 162 DOM
-
2026-08-12days on market $214,900 Active 161 DOM
-
2026-08-11days on market $214,900 Active 160 DOM
-
2026-08-10days on market $214,900 Active 159 DOM
-
2026-08-09days on market $214,900 Active 158 DOM
-
2026-08-08days on market $214,900 Active 157 DOM
-
2026-08-07days on market $214,900 Active 156 DOM
-
2026-08-06days on market $214,900 Active 155 DOM
-
2026-08-05days on market $214,900 Active 154 DOM
-
2026-08-04days on market $214,900 Active 153 DOM
-
2026-08-03pricedays on market $214,900 Active 152 DOM
-
2026-08-01status $224,900 Active 149 DOM
-
2026-07-21pricestatusdays on market $224,900 Pending 149 DOM
-
2026-07-18days on market $199,900 Active 148 DOM
-
2026-07-16days on market $199,900 Active 146 DOM
-
2026-07-16days on market $199,900 Active 145 DOM
-
2026-07-14days on market $199,900 Active 144 DOM
-
2026-07-13days on market $199,900 Active 143 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 4/10 Moderate
- Heat 8/10 Severe 4 d/yr ≥109°F today · 10 d/yr by 30 yrs out
- Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $22,422
- − Mortgage interest
- −$11,063
- − Property taxes
- −$2,962
- − Insurance
- −$988
- − Repairs & maintenance
- −$1,794
- − Management
- −$1,794
- − HOA
- −$4,992
- − Depreciation
- −$5,745
- Taxable loss
- −$6,916
- Est. tax savings @ 24.0%
- +$1,660
- After-tax cash flow
- $-1,998/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.
Condition & rehab AI · 13 photos
This well-maintained and updated townhouse in a desirable gated community offers a good investment opportunity with minimal repairs needed.
Value-add opportunities
- Resale Painting the exterior and interior walls — Fresh paint can enhance the curb appeal and overall aesthetic of the home, making it more attractive to potential buyers. ↑
- Resale Updating the kitchen appliances — Modernizing the kitchen appliances can make the home more appealing to potential buyers and increase its resale value. ↑
- Both Landscaping improvements — Enhancing the landscaping can improve the curb appeal and add value to both the resale and rental market. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
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
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Wildwood, FL
- County
- Sumter County · 161,172 people
- City population
- 21,568
- Metro
- The Villages, FL
- Population (ZIP)
- 5,050
- Household income
- $92,582
- Rent vs Own
- Severe rent burden
- 45% of renters
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 (82%)
- Race & ethnicity
- White 82% Black 7% Two or more races 6% Hispanic / Latino 5% Asian 2%
- Common ancestry
- Lithuanian 5% Romanian 3% Italian 2%
- Foreign-born
- 4% · Canada, Philippines, Jamaica
- Languages at home
- 95% English-only · Spanish 4% Other Asian/Pacific 1%
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
- ▼ -86.11%
- Current HPI
- 189.0678
- 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 |
|
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| Technology Distribution | 1 | $58B |
|
||
| Homebuilding | 1 | $35B |
|
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| Technology Manufacturing | 1 | $35B |
|
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Price history
-4.4% since first listed3 events — show timeline
- 2026-05-24 Price Changed $214,900 Stellar MLS as Distributed by MLS Grid
- 2026-04-10 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
- 2026-02-15 Listed $224,900 Stellar MLS as Distributed by MLS Grid
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…