Foxtail Plan · Port LaBelle, FL 33935

$290,990

3 bd · 2.0 ba · 1,552 sqft · SingleFamily · 275 Days on market

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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).

• Appreciation +10.0/10.0
• Cash flow +9.6/30.0
• ARV discount +7.5/15.0
• Schools +3.1/10.0
• Livability +3.1/5.0
• 1% rule +2.9/10.0
• DSCR +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Introducing the Foxtail, a delightful floorplan from our Value collection designed with families in mind. This home offers a well-thought-out layout featuring 3 bedrooms, 2 full bathrooms, and a spacious 2-car garage. The split plan of the Foxtail ensures a welcoming master suite with ample privacy from the other two bedrooms. The Owner's Suite boasts a full bath and a walk-in closet, providing a comfortable and relaxing retreat. For added convenience, the laundry room is just steps away and offers direct access to the 2-car garage. The open concept kitchen and great room create an inviting and versatile space, ideal for memorable family gatherings. Additionally, you'll find a second living

Key facts

• Second living room
• Open concept kitchen
• Dining room

Tags

• OPEN CONCEPT KITCHEN
• GREAT ROOM
• SECOND LIVING ROOM
• DINING ROOM
• CBS CONSTRUCTION
• ENERGY SMART FEATURES

Property features AI

Finance

• Other: Address: 5015 N Rosebud Cir, Labelle FL 33935; Status: Active; Last modified: 2026-05-21
• Financial info: List price $290,990

Exterior

• Parking: 2 garage spaces (2 total parking spaces)
• Home design: Foxtail plan (new construction plan); Single-family plan
• Exterior features: Living area approximately 1,552

Interior

• Kitchen: Kitchen included (standard plan appliances not specified)
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Interior features: Open living area of the plan

🏗️ New construction. The $290,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $276,256.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $291k.

Deal economics

• At list price, monthly cash flow is $-189 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $249k (14.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $218k (25.2% below list).
• Recommended offer: $218k (25.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 62/100 on livability (#750 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Hendry (town): math 35% / reading 40% proficiency, ranked #65 of 73 in FL (top 89%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 942 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 557 units permitted in Hendry County in 2024 (45 in 5+ unit buildings).
• At $2,178/mo this rent would consume 46% of the median local household income ($57k/yr) (locally 498% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $30k of equity ($2k loan paydown + $28k appreciation (10.0% local appreciation)).
• Hendry County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$47k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 275 days — a 12% lower offer ($256k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $217,759 (25.2% 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 275 days. Have you received any prior offers? Is the seller open to a 25% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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?
7. 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.
8. 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.
9. 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: 0.79% ✗
• Cap rate: 5.47%
• Cash-on-cash: -2.93%
• DSCR: 0.87
• GRM: 10.6

CMA / ARV

• ARV (on-the-fly): $276,256
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5017 Wild Goose Cir	0.11mi	3/2.0	1,547 (-0%)	2mo	$279,900	$181	93
5006 Wild Goose Cir	0.16mi	3/2.0	1,704 (+10%)	12mo	$385,000	$226	67
4039 W Sunflower Cir	0.39mi	3/2.0	1,620 (+4%)	10mo	$210,000	$130	66
4033 School Cir	0.56mi	3/2.0	1,476 (-5%)	0mo	$262,500	$178	66
5012 Myrtlewood Rd	0.30mi	4/2.0 (+1)	1,666 (+7%)	7mo	$269,000	$161	63
5015 Placid Ln	0.54mi	3/2.0	1,588 (+2%)	10mo	$305,000	$192	62
5019 Mateo Cir	0.51mi	3/2.0	1,666 (+7%)	7mo	$269,990	$162	58
5028 S Obispo Cir	0.59mi	4/2.0 (+1)	1,500 (-3%)	5mo	$280,000	$187	58
4018 Caloosa Loop	0.61mi	3/2.0	1,404 (-10%)	2mo	$214,000	$152	54
4038 Rainbow Cir	0.44mi	3/2.0	1,377 (-11%)	12mo	$225,000	$163	50
7010 Beaver Cir	0.71mi	3/2.0	1,443 (-7%)	11mo	$289,900	$201	46
7005 Berwick Cir	0.68mi	3/2.0	1,770 (+14%)	3mo	$315,000	$178	43

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 22.2%
• Equity multiple: 2.79×
• Total profit: $138,461
• Equity at exit: $248,873

10-year hold

• IRR: 19.9%
• Equity multiple: 6.39×
• Total profit: $417,270
• Equity at exit: $536,705

Cash invested: $77,352 (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 33935

• Home prices YoY: 16.3%
• Active inventory: 942
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $2,178 high
• Mortgage (P&I): −$1,449
• Tax est. 1.5%: −$345 /mo · $4,144/yr
• Insurance: −$115
• HOA: −$0
• Vacancy / Maint / Mgmt: −$457
• Net cashflow: $-189

Break-even live

Break-even rent $2,417

Max offer price $248,930

Occupancy floor —

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: $69,064
• Closing costs: $8,288
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5029 S Rosebud Cir Labelle, FL	3.0	2.0	1389	$1,780	$1.28	23d	1	0.26mi
5029 W Hummingbird Dr Labelle, FL	3.0	2.0	1212	$2,450	$2.02	3d	1	0.90mi
801 SW Raintree Blvd Labelle, FL	3.0	2.0	1285	$1,700	$1.32	23d	1	0.91mi
5012 Gunn Pl Labelle, FL	3.0	2.5	1783	$2,500	$1.40	3d	1	0.95mi
7016 Palpano Cir Labelle, FL	3.0	2.5	1507	$2,100	$1.39	16d	1	1.01mi
7038 Lotus Cir Labelle, FL	4.0	3.0	1680	$2,200	$1.31	16d	1	1.10mi
6210 Forest Ct Labelle, FL	3.0	2.5	1503	$2,200	$1.46	23d	1	1.18mi
3051 NW Beechwood Cir Labelle, FL	4.0	2.0	1499	$2,200	$1.47	23d	1	1.20mi
7061 Tide Cir Labelle, FL	4.0	2.0	1500	$1,695	$1.13	23d	1	1.30mi
9011 Penny Cir Labelle, FL	3.0	2.0	1731	$2,400	$1.39	23d	1	1.47mi
9001 Penny Cir Labelle, FL	3.0	2.0	1472	$2,300	$1.56	23d	1	1.50mi
9001 Penny Cir Labelle, FL	3.0	2.0	1472	$2,300	$1.56	16d	1	1.50mi

Listing history 13 events

1. 2026-06-18
   days on market $290,990 Active 275 DOM
2. 2026-06-17
   days on market $290,990 Active 274 DOM
3. 2026-06-16
   days on market $290,990 Active 273 DOM
4. 2026-06-15
   days on market $290,990 Active 272 DOM
5. 2026-06-13
   days on market $290,990 Active 269 DOM
6. 2026-06-10
   days on market $290,990 Active 267 DOM
7. 2026-06-09
   days on market $290,990 Active 266 DOM
8. 2026-06-08
   days on market $290,990 Active 265 DOM
9. 2026-06-07
   days on market $290,990 Active 264 DOM
10. 2026-06-03
    days on market $290,990 Active 260 DOM
11. 2026-06-02
    days on market $290,990 Active 259 DOM
12. 2026-06-01
    days on market $290,990 Active 258 DOM
13. 2026-05-31
    days on market $290,990 Active 257 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 9/10 Extreme 7 d/yr ≥108°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,131
• − Mortgage interest: −$15,475
• − Property taxes: −$4,144
• − Insurance: −$1,381
• − Repairs & maintenance: −$2,090
• − Management: −$2,090
• − Depreciation: −$8,037
• Taxable loss: −$7,086
• Est. tax savings @ 24.0%: +$1,701
• After-tax cash flow: $-565/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: Hendry
• NCES district ID: 1200780
• Math proficiency: 35% ▼ -11.00%
• Reading proficiency: 40% ▼ -4.00%
• Median HH income: $37,043
• Composite: 31.16/100
• National rank: #6054
• State rank: #65 of 73 in FL

Livability — Port LaBelle

• Score: 62/100
• State rank: #750
• US rank: #16264

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Port LaBelle, FL
• County: Hendry County · 23,186 people
• Metro: Clewiston, FL
• Population (ZIP): 23,186
• Household income: $57,009
• Rent vs Own: 22.0% rent · 78.0% own
• Severe rent burden: 498.0

Population outlook (Hendry County) Hauer SSP2

• Today (2025): 38,866 people
• By 2030: 38,558 · -0.8%
• By 2040: 37,743 · -2.9%
• By 2050: 36,117 · -7.1%
• By 2075: 30,070 · -22.6%
• By 2100: 21,966 · -43.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority Hispanic (56%)
• Race & ethnicity: Hispanic / Latino 56% White 39% Two or more races 21% Black 2% Native American 2%
• Hispanic origin (detail): Mexican 40% Puerto Rican 3% Cuban 5%
• Common ancestry: Lithuanian 2% Serbian 2% Slovak 1%
• Foreign-born: 27% · Canada, Jamaica
• Languages at home: 50% English-only · Spanish 50%

Political lean MEDSL · Hendry

• 2024 margin: Solid R (+38.3) · D 30.4% · R 68.7%
• 2008→2024 swing: -31.1pp toward R · 2008: -7.2pp · 2024: -38.3pp
• All cycles: 2024: R+38.3 2020: R+23.0 2016: R+14.2 2012: R+5.9 2008: R+7.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 75.20%
• Current HPI: 537.4928
• Rent YoY: —
• Metro: Clewiston, 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