1011 W Hatton St · Goulding, FL 32526

$105,000

4 bd · 1.0 ba · 1,104 sqft · SingleFamily public records · 66 Days on market

Built 1957 4,151 sqft lot $95/sqft · 41% below area Est $177k · 41% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Livability +3.7/5.0
• Rent growth +3.6/5.0
• Schools +3.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

INVESTOR ALERT!! Strong rental potential in a central Pensacola location. This 4-bedroom, 1.5-bath home has been rented for around $1,300/month and offers a solid opportunity to get it cleaned up and back producing income quickly. Located just minutes from Cordova Mall, Baptist Hospital, and I-110, the convenience here makes it easy to attract tenants or enjoy for yourself as a primary residence. Inside, you’ll find new flooring and paint throughout, giving the home a fresh look right away. The layout is functional, with a comfortable living space, generously sized bedrooms, and a flexible bonus area that could work as an office, playroom, or even an additional bedroom. Major items have already been handled, including a ROOF and HVAC (2019) and WATER HEATER (2018), which helps reduce big upfront expenses. The home also includes a laundry room, storage space, and a screened-in porch—a nice spot to relax or add extra value for tenants. The property may need some light cleanup and personal touches, but it’s priced and positioned for someone looking to add value without taking on a full renovation. Whether you’re building your rental portfolio or looking for a place to make your own, this one checks the right boxes. Call today to schedule your showing!

Key facts

• Flexible bonus area
• Laundry room
• New flooring

Tags

• CENTRAL PENSACOLA LOCATION
• NEW FLOORING
• NEW PAINT
• FLEXIBLE BONUS AREA
• LAUNDRY ROOM
• STORAGE SPACE

🏷️ Possibly a rental listed for sale. The $105,000 price doesn't fit this home's estimated sale value (~$176,712) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $105k).
• Recommended offer: $99k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 73/100 on livability (#296 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: amenities F, commute F, employment 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: Rents rising fast (+4.4%/yr); 423 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).
• This rent runs 34% of the median local income ($75k/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 $726 of loan paydown is wiped out by about $3k 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 + 4.4% rent growth), your $29k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 66 days — a 6% lower offer ($99k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 18y ago; this cycle's ask has dropped $10k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $55k; list at $105k implies a 91% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $98,700 (6.0% below list)

Questions for the listing agent

1. It's been on market 66 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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 A-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?
6. 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.
7. 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.
8. 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: 2.03% ✓
• Cap rate: 18.05%
• Cash-on-cash: 42.01%
• DSCR: 2.87
• GRM: 4.1

CMA / ARV

• ARV (median comp): $176,712
• List price: $105,000
• Delta: -40.58%
• 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
1002 W Yonge St	0.10mi	4/2.0	1,218 (+10%)	2mo	$205,000	$168	72
2704 N H St	0.10mi	3/2.0 (-1)	1,178 (+7%)	7mo	$209,000	$177	69
2363 N F St	0.15mi	3/2.0 (-1)	1,196 (+8%)	1mo	$235,000	$196	69
763 Rosa Parks Cir	0.21mi	4/2.0	1,194 (+8%)	12mo	$215,000	$180	63
621 W Hernandez St	0.49mi	4/1.0	1,200 (+9%)	2mo	$90,000	$75	61
620 W Hernandez	0.47mi	3/1.0 (-1)	1,180 (+7%)	3mo	$150,000	$127	59
122 W Scott St	0.45mi	3/1.0 (-1)	1,150 (+4%)	12mo	$190,000	$165	57
831 W Mallory St	0.62mi	3/1.0 (-1)	1,138 (+3%)	11mo	$260,000	$228	52
1316 1/2 E Baars St	0.65mi	3/1.0 (-1)	989 (-10%)	1mo	$300,000	$303	46
2412 N Q St	0.68mi	3/2.0 (-1)	1,056 (-4%)	10mo	$153,000	$145	44
2001 N B St	0.47mi	3/1.0 (-1)	960 (-13%)	12mo	$95,000	$99	41
1920 W Maxwell St	0.53mi	3/1.0 (-1)	1,250 (+13%)	15mo	$55,000	$44	36

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 · 4.42% rent growth · sell at horizon

5-year hold

• IRR: 40.2%
• Equity multiple: 2.76×
• Total profit: $51,616
• Equity at exit: $15,656

10-year hold

• IRR: 47.2%
• Equity multiple: 5.84×
• Total profit: $142,374
• Equity at exit: $9,078

Cash invested: $29,400 (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 32526

• Home prices YoY: -28.3%
• Rents YoY: 4.4%
• Active inventory: 423
• Price-to-rent: 4.1×

Monthly cashflow live

• Estimated rent: $2,135 high
• Mortgage (P&I): −$551
• Tax from tax record: −$63 /mo · $754/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$448
• Net cashflow: $1,029

Break-even live

Break-even rent $832

Max offer price $105,000

Occupancy floor 47%

Sensitivity live

Price	-10% $1,089	-5% $1,059	+0% $1,029	+5% $999	+10% $970
Rent	-10% $861	-5% $945	+0% $1,029	+5% $1,113	+10% $1,198
Rate	-1.0pp $1,082	-0.5pp $1,056	base $1,029	+0.5pp $1,002	+1.0pp $974

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
721 W Jordan St Pensacola, FL	3.0	2.0	1030	$1,895	$1.84	24d	1	0.39mi
407 W Jordan St Unit NA Pensacola, FL	3.0	2.0	1300	$2,200	$1.69	24d	1	0.48mi
1215 N C St Pensacola, FL	3.0	1.0	1203	$1,775	$1.48	15d	1	0.94mi
814 N E St Pensacola, FL	3.0	2.0	1440	$1,695	$1.18	24d	1	1.19mi
2008 N 8th Ave Pensacola, FL	3.0	2.0	1058	$1,250	$1.18	15d	1	1.25mi
3131 N 10th Ave Pensacola, FL	3.0	1.5	1085	$1,700	$1.57	24d	1	1.30mi
615 N A St Pensacola, FL	3.0	2.0	1122	$1,900	$1.69	15d	1	1.37mi
3417 W Fisher St Unit C Pensacola, FL	3.0	2.0	1106	$1,350	$1.22	24d	1	1.47mi
418 N C St Pensacola, FL	3.0	2.0	1017	$2,775	$2.73	15d	1	1.47mi
410 N C St Unit 1367374P Pensacola, FL	3.0	2.0	1291	$3,313	$2.57	15d	1	1.48mi

Listing history 37 events

1. 2026-06-21
   days on market $105,000 Active 66 DOM
2. 2026-06-18
   days on market $105,000 Active 63 DOM
3. 2026-06-17
   days on market $105,000 Active 62 DOM
4. 2026-06-16
   days on market $105,000 Active 61 DOM
5. 2026-06-15
   days on market $105,000 Active 60 DOM
6. 2026-06-14
   days on market $105,000 Active 58 DOM
7. 2026-06-10
   days on market $105,000 Active 55 DOM
8. 2026-06-09
   days on market $105,000 Active 54 DOM
9. 2026-06-08
   days on market $105,000 Active 53 DOM
10. 2026-06-07
    days on market $105,000 Active 52 DOM
11. 2026-06-03
    days on market $105,000 Active 48 DOM
12. 2026-06-02
    days on market $105,000 Active 47 DOM
13. 2026-06-01
    days on market $105,000 Active 46 DOM
14. 2026-05-31
    days on market $105,000 Active 45 DOM
15. 2026-05-31
    days on market $105,000 Active 44 DOM
16. 2026-05-14
    price $105,000 1293-char remark

    Show marketing remark (1293 chars)

    INVESTOR ALERT!! Strong rental potential in a central Pensacola location. This 4-bedroom, 1.5-bath home has been rented for around $1,300/month and offers a solid opportunity to get it cleaned up and back producing income quickly. Located just minutes from Cordova Mall, Baptist Hospital, and I-110, the convenience here makes it easy to attract tenants or enjoy for yourself as a primary residence. Inside, you’ll find new flooring and paint throughout, giving the home a fresh look right away. The layout is functional, with a comfortable living space, generously sized bedrooms, and a flexible bonus area that could work as an office, playroom, or even an additional bedroom. Major items have already been handled, including a ROOF and HVAC (2019) and WATER HEATER (2018), which helps reduce big upfront expenses. The home also includes a laundry room, storage space, and a screened-in porch—a nice spot to relax or add extra value for tenants. The property may need some light cleanup and personal touches, but it’s priced and positioned for someone looking to add value without taking on a full renovation. Whether you’re building your rental portfolio or looking for a place to make your own, this one checks the right boxes. Call today to schedule your showing!

17. 2026-04-16
    listed $115,000 Active 1293-char remark

    Show marketing remark (1293 chars)

    INVESTOR ALERT!! Strong rental potential in a central Pensacola location. This 4-bedroom, 1.5-bath home has been rented for around $1,300/month and offers a solid opportunity to get it cleaned up and back producing income quickly. Located just minutes from Cordova Mall, Baptist Hospital, and I-110, the convenience here makes it easy to attract tenants or enjoy for yourself as a primary residence. Inside, you’ll find new flooring and paint throughout, giving the home a fresh look right away. The layout is functional, with a comfortable living space, generously sized bedrooms, and a flexible bonus area that could work as an office, playroom, or even an additional bedroom. Major items have already been handled, including a ROOF and HVAC (2019) and WATER HEATER (2018), which helps reduce big upfront expenses. The home also includes a laundry room, storage space, and a screened-in porch—a nice spot to relax or add extra value for tenants. The property may need some light cleanup and personal touches, but it’s priced and positioned for someone looking to add value without taking on a full renovation. Whether you’re building your rental portfolio or looking for a place to make your own, this one checks the right boxes. Call today to schedule your showing!

18. 2024-12-02
    soldstatus $55,000 Sold 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

19. 2024-11-17
    status Pending 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

20. 2024-11-13
    status Active 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

21. 2024-10-03
    status Pending 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

22. 2024-09-28
    price $55,000 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

23. 2024-07-23
    price $75,000 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

24. 2024-06-05
    price $87,500 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

25. 2024-06-01
    status Active 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

26. 2024-05-29
    historical Contingent 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

27. 2024-05-28
    status Active 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

28. 2024-05-21
    historical Contingent 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

29. 2024-05-06
    listed $95,000 Active 669-char remark

    Show marketing remark (669 chars)

    INVESTOR ALERT! Please read the ENTIRE LISTING! Good investment property looking for a new owner! Was rented until 2/29/24 at $1250 per month! Needs some TLC - Price has been adjusted to let you earn some sweat equity. Electrical updated 2016 per permits on file. Water heater 2018. Roof and Exterior AC 2019 per seller. Sale is as-is. Buyer to verify any details that they deem important. CASH ONLY. Seller will only respond to written offers on Florida FAR-Bar As-is Purchase Offer from BUYERS THAT HAVE TOURED THE PROPERTY, with their agent. NO SIGHT UNSEEN OFFERS, unless inspections are waived. 14 day closing preferred - no wholesalers with elongated closing.

30. 2024-03-23
    historical
31. 2024-03-13
    status Active
32. 2024-03-09
    historical Contingent
33. 2024-03-07
    listed $99,900 Active
34. 2018-06-29
    historical
35. 2016-08-04
    listed $30,000
36. 2008-05-22
    soldstatus $11,000
37. 2008-01-18
    listed $12,000

ⓘ 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: $754 · $63/mo
• Projected year-2 tax: $872 · $73/mo
• Expected delta: +$117/yr (+$10/mo · 15.5%)

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 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: $25,616
• − Mortgage interest: −$5,882
• − Property taxes: −$754
• − Insurance: −$525
• − Repairs & maintenance: −$2,049
• − Management: −$2,049
• − Depreciation: −$3,055
• Taxable income: $11,302
• Est. tax owed @ 24.0%: −$2,712
• After-tax cash flow: $9,637/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 — Goulding

• Score: 73/100
• State rank: #296
• US rank: #5022

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Goulding, FL
• County: Escambia County · 301,722 people
• Metro: Pensacola-Ferry Pass-Brent, FL
• Population (ZIP): 44,680
• Household income: $75,098
• Rent vs Own: 23.8% rent · 76.2% own
• Severe rent burden: 1166.0

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 (66%)
• Race & ethnicity: White 66% Black 19% Two or more races 8% Hispanic / Latino 5% Asian 3%
• Common ancestry: Lithuanian 2% Slovak 2% Serbian 2%
• Foreign-born: 5% · Canada, China
• Languages at home: 94% English-only · Spanish 2% Tagalog/Filipino 1% Other Indo-European 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: ▼ -99.68%
• Current HPI: 252.6406
• Rent YoY: ▲ 4.42%
• Metro: Pensacola-Ferry Pass-Brent, 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

+775.0% since first listed

22 events — show timeline

• 2026-05-14 Price Changed $105,000 PARMLS
• 2026-04-16 Listed $115,000 PARMLS
• 2024-12-02 Sold (MLS) $55,000 PARMLS
• 2024-11-17 Pending — PARMLS
• 2024-11-13 Relisted — PARMLS
• 2024-10-03 Pending — PARMLS
• 2024-09-28 Price Changed $55,000 PARMLS
• 2024-07-23 Price Changed $75,000 PARMLS
• 2024-06-05 Price Changed $87,500 PARMLS
• 2024-06-01 Relisted — PARMLS
• 2024-05-29 Contingent — PARMLS
• 2024-05-28 Relisted — PARMLS
• 2024-05-21 Contingent — PARMLS
• 2024-05-06 Listed $95,000 PARMLS
• 2024-03-23 Listing Removed — PARMLS
• 2024-03-13 Relisted — PARMLS
• 2024-03-09 Contingent — PARMLS
• 2024-03-07 Listed $99,900 PARMLS
• 2018-06-29 Listing Removed — PARMLS
• 2016-08-04 Listed $30,000 PARMLS
• 2008-05-22 Sold (MLS) $11,000 PARMLS
• 2008-01-18 Listed $12,000 PARMLS

Property tax history

+7.5%/yr

Latest (2025): $754 · +34.9% YoY. Source: county tax records.