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5427 Compass Pt #1
D- Composite 38.74
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

5427 Compass Pt #1 · Wildwood, FL 34484
2 bd · 2.0 ba · 1,281 sqft · Condo · 204 Days on market
Built 2006 Good condition Garage $154/sqft · 11% below area Est $222k · 11% under $416/mo HOA · 22% of rent ↓ 4% since listing

🖨 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

GATED COMMUNITYMAINTENANCE INCLUDEDPAVER DRIVEWAYSCREENED-IN LANAIGREEN SPACE VIEWSWALK-IN CLOSET

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

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.
Recommended offer $153,397 (22.3% below list)

Questions for the listing agent

  1. 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?
  2. 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?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. 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?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. 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?
  8. 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.
  9. 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.
  10. 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

5-year hold
IRR
-27.5%
Equity multiple
0.08×
Total profit
$-51,132
Equity at exit
$29,448
10-year hold
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
3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

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
Vacancy / Maint / Mgmt
$392
Net cashflow
$-305

Break-even live

Break-even rent $2,254
Max offer price $153,397
Occupancy floor

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
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

AddressBedsBaths SqftRent$/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

  1. 2026-09-24
    days on market $197,500 Active 204 DOM
  2. 2026-09-24
    days on market $197,500 Active 203 DOM
  3. 2026-09-22
    days on market $197,500 Active 202 DOM
  4. 2026-09-20
    days on market $197,500 Active 200 DOM
  5. 2026-09-18
    days on market $197,500 Active 198 DOM
  6. 2026-09-17
    days on market $197,500 Active 197 DOM
  7. 2026-09-16
    days on market $197,500 Active 196 DOM
  8. 2026-09-15
    days on market $197,500 Active 195 DOM
  9. 2026-09-14
    days on market $197,500 Active 194 DOM
  10. 2026-09-14
    days on market $197,500 Active 193 DOM
  11. 2026-09-12
    days on market $197,500 Active 192 DOM
  12. 2026-09-11
    pricedays on market $197,500 Active 191 DOM
  13. 2026-09-05
    days on market $199,900 Active 185 DOM
  14. 2026-09-04
    days on market $199,900 Active 184 DOM
  15. 2026-09-03
    days on market $199,900 Active 183 DOM
  16. 2026-08-31
    days on market $199,900 Active 180 DOM
  17. 2026-08-30
    days on market $199,900 Active 179 DOM
  18. 2026-08-29
    days on market $199,900 Active 178 DOM
  19. 2026-08-28
    days on market $199,900 Active 177 DOM
  20. 2026-08-27
    days on market $199,900 Active 176 DOM
  21. 2026-08-26
    days on market $199,900 Active 175 DOM
  22. 2026-08-25
    days on market $199,900 Active 174 DOM
  23. 2026-08-24
    days on market $199,900 Active 173 DOM
  24. 2026-08-23
    days on market $199,900 Active 172 DOM
  25. 2026-08-21
    days on market $199,900 Active 170 DOM
  26. 2026-08-20
    days on market $199,900 Active 169 DOM
  27. 2026-08-19
    days on market $199,900 Active 168 DOM
  28. 2026-08-18
    days on market $199,900 Active 167 DOM
  29. 2026-08-17
    days on market $199,900 Active 166 DOM
  30. 2026-08-16
    days on market $199,900 Active 165 DOM
  31. 2026-08-15
    days on market $199,900 Active 164 DOM
  32. 2026-08-14
    days on market $199,900 Active 163 DOM
  33. 2026-08-13
    pricedays on market $199,900 Active 162 DOM
  34. 2026-08-12
    days on market $214,900 Active 161 DOM
  35. 2026-08-11
    days on market $214,900 Active 160 DOM
  36. 2026-08-10
    days on market $214,900 Active 159 DOM
  37. 2026-08-09
    days on market $214,900 Active 158 DOM
  38. 2026-08-08
    days on market $214,900 Active 157 DOM
  39. 2026-08-07
    days on market $214,900 Active 156 DOM
  40. 2026-08-06
    days on market $214,900 Active 155 DOM
  41. 2026-08-05
    days on market $214,900 Active 154 DOM
  42. 2026-08-04
    days on market $214,900 Active 153 DOM
  43. 2026-08-03
    pricedays on market $214,900 Active 152 DOM
  44. 2026-08-01
    status $224,900 Active 149 DOM
  45. 2026-07-21
    pricestatusdays on market $224,900 Pending 149 DOM
  46. 2026-07-18
    days on market $199,900 Active 148 DOM
  47. 2026-07-16
    days on market $199,900 Active 146 DOM
  48. 2026-07-16
    days on market $199,900 Active 145 DOM
  49. 2026-07-14
    days on market $199,900 Active 144 DOM
  50. 2026-07-13
    days 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

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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
combined federal + state — saved on this device
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

Good 75/100 Cosmetic rehab Est. rehab $6,405–$19,215 screening

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.

F Composite school gradezoned avg 43/100

Zoned Schools

Elementary Wildwood Elementary School D+ FL #1,055/2,144 Nat'l #12,398/41,679 High Wildwood Middle/ High School F FL #379/667 Nat'l #9,567/17,239

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
C Composite livability gradescore 69/100

Livability — Wildwood

Score
69/100
State rank
#471
US rank
#8500

Category grades

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

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
37.8% rent · 62.2% 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

Price history

-4.4% since first listed
3 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

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…