5770 N Hwy 95 A · Molino, FL 32577

$158,000

2 bd · 1.0 ba · 1,066 sqft · SingleFamily public records · 21 Days on market

Built 1956 0.80 ac lot

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +7.5/10.0
• ARV discount +7.5/15.0
• Livability +3.8/5.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Come build your dream home on this spacious lot. Home on the property given no value, but utilities already on the property.

Key facts

• Complete renovation
• New roof
• Updated bathroom

Tags

• COMMERCIAL RESIDENTIAL USE
• PRIME HIGHWAY FRONTAGE
• COMPLETE RENOVATION
• NEW ROOF
• NEW WINDOWS
• UPDATED BATHROOM

Property features AI

Finance

• Other: Lot size approximately 0.80 acres; Building area about 1,066 square feet
• HOA & community: No homeowners association

Exterior

• Parking: Driveway with open parking
• Utilities: Public water; Septic tank sewer; Copper wiring with circuit breakers
• Home design: Single-story (one level); Resale, not attached to another property; Paved, county-maintained road access
• Construction: Frame construction; Off-grade foundation
• Exterior features: Shingle roof; Central access lot

Interior

• Kitchen: New kitchen cabinets and new countertops (updated within 1 year); Electric water heater
• Bedrooms: Primary bedroom on the first floor
• Bathrooms: 1 full bathroom with new tub, new surround, new vanity and new toilet (updated within 1 year)
• Heating & cooling: Heat pump heating; Heat pump cooling; Ceiling fans
• Interior features: Updated bathroom; Updated kitchen; Double-pane windows; Living/dining combo
• Laundry & utility: Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $158k.

Deal economics

• At list price, monthly cash flow is $590 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $158k).
• Recommended offer: $156k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.8% vs local median 3.5% in Molino — 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 76/100 on livability (#224 in FL, #3,540 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, employment A+, cost of living A+; Watch: amenities F, commute F, health & safety F.
• Escambia (suburban): math 40% / reading 45% proficiency, ranked #56 of 73 in FL (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 64 active listings in the ZIP; 1,479 units permitted in Escambia County in 2024 (0 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 $5k of value loss. Plan a longer hold.
• Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $44k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 21 days — a 2% lower offer ($156k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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 $35k; list at $158k implies a 351% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $155,630 (1.5% below list)

Questions for the listing agent

1. Built in 1956 — 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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.
5. 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.
6. 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: 1.25% ✓
• Cap rate: 10.77%
• Cash-on-cash: 16.00%
• DSCR: 1.71
• GRM: 6.7

CMA / ARV

• ARV (on-the-fly): $30,914
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6100 Schaag Rd	0.14mi	3/2.0 (+1)	1,040 (-2%)	20mo	$30,000	$29	63

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: 6.9%
• Equity multiple: 1.27×
• Total profit: $11,927
• Equity at exit: $23,558

10-year hold

• IRR: 16.2%
• Equity multiple: 2.32×
• Total profit: $58,591
• Equity at exit: $13,661

Cash invested: $44,240 (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 32577

• Home prices YoY: -6.5%
• Active inventory: 64
• Price-to-rent: 6.7×

Monthly cashflow live

• Estimated rent: $1,978 medium
• Mortgage (P&I): −$829
• Tax from tax record: −$78 /mo · $937/yr
• Insurance: −$66
• HOA: −$0
• Vacancy / Maint / Mgmt: −$415
• Net cashflow: $590

Break-even live

Break-even rent $1,231

Max offer price $158,000

Occupancy floor 65%

Sensitivity live

Price	-10% $679	-5% $635	+0% $590	+5% $545	+10% $500
Rent	-10% $434	-5% $512	+0% $590	+5% $668	+10% $746
Rate	-1.0pp $670	-0.5pp $630	base $590	+0.5pp $549	+1.0pp $507

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: $39,500
• Closing costs: $4,740
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-18
   days on market $158,000 Active 21 DOM
2. 2026-06-17
   days on market $158,000 Active 20 DOM
3. 2026-06-16
   days on market $158,000 Active 19 DOM
4. 2026-06-15
   days on market $158,000 Active 18 DOM
5. 2026-06-14
   days on market $158,000 Active 16 DOM
6. 2026-06-10
   days on market $158,000 Active 13 DOM
7. 2026-06-09
   days on market $158,000 Active 12 DOM
8. 2026-06-08
   days on market $158,000 Active 11 DOM
9. 2026-06-07
   days on market $158,000 Active 10 DOM
10. 2026-06-03
    days on market $158,000 Active 6 DOM
11. 2026-06-02
    days on market $158,000 Active 5 DOM
12. 2026-06-01
    days on market $158,000 Active 4 DOM
13. 2026-05-31
    days on market $158,000 Active 3 DOM
14. 2026-05-31
    days on market $158,000 Active 2 DOM
15. 2026-05-28
    listed $158,000 Active
16. 2026-04-21
    historical
17. 2026-03-03
    price $150,000
18. 2026-01-24
    price $159,950
19. 2025-12-03
    listed $185,000 Active
20. 2025-08-15
    status Pending 124-char remark

    Show marketing remark (124 chars)

    Come build your dream home on this spacious lot. Home on the property given no value, but utilities already on the property.

21. 2025-08-15
    soldstatus $35,000 Sold 124-char remark

    Show marketing remark (124 chars)

    Come build your dream home on this spacious lot. Home on the property given no value, but utilities already on the property.

22. 2025-07-21
    historical Contingent 124-char remark

    Show marketing remark (124 chars)

    Come build your dream home on this spacious lot. Home on the property given no value, but utilities already on the property.

23. 2025-07-18
    listed $35,000 Active 124-char remark

    Show marketing remark (124 chars)

    Come build your dream home on this spacious lot. Home on the property given no value, but utilities already on the property.

ⓘ 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: $937 · $78/mo
• Projected year-2 tax: $1,311 · $109/mo
• Expected delta: +$374/yr (+$31/mo · 39.9%)

ⓘ 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 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥105°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 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: $23,733
• − Mortgage interest: −$8,850
• − Property taxes: −$937
• − Insurance: −$790
• − Repairs & maintenance: −$1,899
• − Management: −$1,899
• − Depreciation: −$4,596
• Taxable income: $4,762
• Est. tax owed @ 24.0%: −$1,143
• After-tax cash flow: $5,936/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: Escambia
• NCES district ID: 1200510
• Math proficiency: 40% ▼ -9.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $44,649
• Composite: 36.04/100
• National rank: #4773
• State rank: #56 of 73 in FL

Livability — Molino

• Score: 76/100
• State rank: #224
• US rank: #3540

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Molino, FL
• Population (ZIP): 4,881

Population outlook (Escambia County) Hauer SSP2

• Today (2025): 334,637 people
• By 2030: 345,779 · +3.3%
• By 2040: 364,828 · +9.0%
• By 2050: 378,514 · +13.1%
• By 2075: 403,220 · +20.5%
• By 2100: 386,125 · +15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (78%)
• Race & ethnicity: White 78% Two or more races 13% Hispanic / Latino 12% Black 4%
• Hispanic origin (detail): Puerto Rican 8%
• Common ancestry: Serbian 4% Scotch-Irish 3% Lithuanian 2%
• Foreign-born: 1% · Canada
• Languages at home: 94% English-only · Spanish 6% Tagalog/Filipino 1%

Political lean MEDSL · Escambia

• 2024 margin: R (+19.5) · D 39.7% · R 59.2% · Other 1.1%
• 2008→2024 swing: -0.2pp no change · 2008: -19.3pp · 2024: -19.5pp
• All cycles: 2024: R+19.5 2020: R+15.1 2016: R+20.6 2012: R+20.6 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -22.32%
• Current HPI: 323.2275
• Rent YoY: —
• Metro: —
• 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

+351.4% since first listed

9 events — show timeline

• 2026-05-28 Listed $158,000 PARMLS
• 2026-04-21 Listing Removed — PARMLS
• 2026-03-03 Price Changed $150,000 PARMLS
• 2026-01-24 Price Changed $159,950 PARMLS
• 2025-12-03 Listed $185,000 PARMLS
• 2025-08-15 Pending — PARMLS
• 2025-08-15 Sold (MLS) $35,000 PARMLS
• 2025-07-21 Contingent — PARMLS
• 2025-07-18 Listed $35,000 PARMLS

Property tax history

+4.6%/yr

Latest (2025): $937 · +20.7% YoY. Source: county tax records.