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1011 W Hatton St 🏷️ Likely Rental
B+ Composite 77.33
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 +2.8/10.0
  • Condition / age +2.2/5.0
  • Appreciation +0.0/10.0

$105,000

1011 W Hatton St · Goulding, FL 32526
4 bd · 1.0 ba · 1,104 sqft · SingleFamily public records · 114 Days on market
Built 1957 Fair condition 4,151 sqft lot $95/sqft · 44% below area Est $188k · 44% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

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.

Key facts

  • Flexible bonus area
  • Laundry room
  • New flooring

Tags

CENTRAL PENSACOLA LOCATIONNEW FLOORINGNEW PAINTFLEXIBLE BONUS AREALAUNDRY ROOMSTORAGE SPACE

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…
🏷️ Possibly a rental listed for sale. The $105,000 price doesn't fit this home's estimated sale value (~$188,418) 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. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $959 ($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: $96k (9.0% 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.
  • Zoned schools: C. A. Weis Elementary School (math 20% / reading 27%, grade F, #2,061 of 2,144 statewide, top 96%, 466 students, 93% FRL); Pensacola High School (math 29% / reading 50%, grade F, #304 of 667 statewide, top 47%, 1,229 students, 55% FRL) — zoned schools average 74% FRL vs 58% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Market conditions: Rents rising fast (+4.4%/yr); 552 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 16d 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 33% 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 114 days — a 9% lower offer ($96k) 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 $95,550 (9.0% below list)

Questions for the listing agent

  1. It's been on market 114 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  3. Built in 1957 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. 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?
  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
1.95%
Cap rate
17.26%
Cash-on-cash
39.16%
DSCR
2.74
GRM
4.3

CMA / ARV

ARV (median comp)
$188,418
List price
$105,000
Delta
-44.27%
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%) 4mo $205,000 $168 71
2363 N F St 0.15mi 3/2.0 (-1) 1,196 (+8%) 3mo $235,000 $196 68
2704 N H St 0.10mi 3/2.0 (-1) 1,178 (+7%) 9mo $209,000 $177 68
1101 W Jordan St 0.34mi 3/2.0 (-1) 1,120 (+1%) 9mo $118,200 $106 65
763 Rosa Parks Cir 0.21mi 4/2.0 1,194 (+8%) 14mo $215,000 $180 61
621 W Hernandez St 0.49mi 4/1.0 1,200 (+9%) 4mo $90,000 $75 59
620 W Hernandez 0.47mi 3/1.0 (-1) 1,180 (+7%) 5mo $150,000 $127 57
122 W Scott St 0.45mi 3/1.0 (-1) 1,150 (+4%) 13mo $190,000 $165 56
831 W Mallory St 0.62mi 3/1.0 (-1) 1,138 (+3%) 12mo $260,000 $228 50
1316 1/2 E Baars St 0.65mi 3/1.0 (-1) 989 (-10%) 2mo $300,000 $303 45
2412 N Q St 0.68mi 3/2.0 (-1) 1,056 (-4%) 12mo $153,000 $145 42
2001 N B St 0.47mi 3/1.0 (-1) 960 (-13%) 14mo $95,000 $99 40

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
36.9%
Equity multiple
2.60×
Total profit
$47,041
Equity at exit
$15,656
10-year hold
IRR
44.2%
Equity multiple
5.49×
Total profit
$132,120
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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
24 active · 5 under contract
Months of supply
8.0 mo (12%/mo absorbed)
Median asking
$222,500 ($183/sqft)
Median days on market
76 d
This list price
17% of active listings are priced below it
ARV vs active asking
-6.5% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 32526

Home prices YoY
-28.3%
Rents YoY
4.4%
Active inventory
552
Price-to-rent
4.3×

Monthly cashflow live

Estimated rent
$2,046 high interval (Pro) →
Mortgage (P&I)
$551
Tax from tax record
$63 /mo · $754/yr
Insurance
$44
HOA
$0
Vacancy / Maint / Mgmt
$430
Net cashflow
$959

Break-even live

Break-even rent $832
Max offer price $105,000
Occupancy floor 48%

Sensitivity live

Price -10% $1,019 -5% $989 +0% $959 +5% $930 +10% $900
Rent -10% $798 -5% $879 +0% $959 +5% $1,040 +10% $1,121
Rate -1.0pp $1,012 -0.5pp $986 base $959 +0.5pp $932 +1.0pp $904

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

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 18 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
2202 N E St Pensacola, FL 3.0 2.0 1080 $1,650 $1.53 15d 1 0.26mi
721 W Jordan St Pensacola, FL 3.0 2.0 1030 $1,895 $1.84 15d 1 0.39mi
721 W Jordan St Pensacola, FL 3.0 2.0 1030 $1,895 $1.84 72d 1 0.39mi
407 W Jordan St Unit NA Pensacola, FL 3.0 2.0 1300 $2,200 $1.69 72d 1 0.48mi
2904 Berwick St Unit 1310516P Pensacola, FL 1.0–3.0 1.0–2.0 1017 $2,185 $2.15 15d 3 0.66mi
1215 N C St Pensacola, FL 3.0 1.0 1203 $1,775 $1.48 63d 1 0.94mi
2709 N Davis Hwy Pensacola, FL 4.0 1.5 1025 $1,500 $1.46 15d 1 0.99mi
814 N E St Pensacola, FL 3.0 2.0 1440 $1,695 $1.18 72d 1 1.19mi
2008 N 8th Ave Pensacola, FL 3.0 2.0 1058 $1,250 $1.18 63d 1 1.25mi
624 N G St Pensacola, FL 3.0 1.0 1041 $1,450 $1.39 15d 1 1.30mi
3131 N 10th Ave Pensacola, FL 3.0 1.5 1085 $1,700 $1.57 72d 1 1.30mi
615 N A St Pensacola, FL 3.0 2.0 1122 $1,700 $1.52 15d 1 1.37mi
1319 W Jackson St Pensacola, FL 3.0 2.0 1368 $1,695 $1.24 15d 1 1.37mi
1301 N 6th Ave Pensacola, FL 3.0 1.0 1000 $1,281 $1.28 15d 1 1.39mi
2624 W De Soto St Unit A Pensacola, FL 4.0 2.0 1373 $2,400 $1.75 15d 1 1.42mi
3417 W Fisher St Unit C Pensacola, FL 3.0 2.0 1106 $1,350 $1.22 72d 1 1.47mi
418 N C St Pensacola, FL 3.0 2.0 1017 $2,695 $2.65 15d 1 1.47mi
410 N C St Unit 1367374P Pensacola, FL 3.0 2.0 1291 $3,427 $2.65 15d 1 1.48mi

Property features AI

Finance

Other
County-maintained road accessGreen energy features: insulation in walls, floors, and general insulation
HOA & community
No homeowners association

Exterior

Parking
On-street parkingOpen parking available
Security
Smoke detectors installed
Utilities
Public waterPublic sewerCopper electrical wiring
Home design
Single-story homeResale propertyNot attached to another unitHomestead exempt
Construction
Block and frame constructionComposition roofOff-grade foundationBuilt on one level
Exterior features
Screened patio/porchFull chain-link fence enclosing the backyardInterior lot

Interior

Kitchen
Updated kitchenLaminate countertopsTile backsplash addedRefrigerator included
Bedrooms
Primary bedroom on the first floor (approximately 11.5' x 12')Second bedroom on the first floor (approximately 10.5' x 11.5')Third bedroom on the first floor (approximately 6.5' x 11')
Flooring
Laminate flooring throughout
Bathrooms
One full bathroom with updated finishesOne half bathroomBathroom updates include new flooring and vanities
Heating & cooling
Central heatingCentral air conditioning
Interior features
BaseboardsCrown moldingHigh-speed internetGame roomGym/workout roomOffice/studyInsulated doors
Laundry & utility
Indoor laundry with washer/dryer hookupsElectric water heater

Listing history 50 events

  1. 2026-08-08
    days on market $105,000 Active 114 DOM
  2. 2026-08-07
    statusdays on market $105,000 Active 113 DOM
  3. 2026-08-06
    days on market $105,000 Contingent 112 DOM
  4. 2026-08-05
    days on market $105,000 Contingent 111 DOM
  5. 2026-08-04
    days on market $105,000 Contingent 110 DOM
  6. 2026-08-03
    days on market $105,000 Contingent 109 DOM
  7. 2026-07-31
    days on market $105,000 Contingent 106 DOM
  8. 2026-07-30
    days on market $105,000 Contingent 105 DOM
  9. 2026-07-29
    days on market $105,000 Contingent 104 DOM
  10. 2026-07-27
    days on market $105,000 Contingent 102 DOM
  11. 2026-07-25
    days on market $105,000 Contingent 100 DOM
  12. 2026-07-23
    days on market $105,000 Contingent 98 DOM
  13. 2026-07-22
    days on market $105,000 Contingent 97 DOM
  14. 2026-07-21
    statusdays on market $105,000 Contingent 96 DOM
  15. 2026-07-18
    days on market $105,000 Active 93 DOM
  16. 2026-07-16
    days on market $105,000 Active 91 DOM
  17. 2026-07-16
    days on market $105,000 Active 90 DOM
  18. 2026-07-14
    days on market $105,000 Active 89 DOM
  19. 2026-07-14
    days on market $105,000 Active 88 DOM
  20. 2026-07-12
    days on market $105,000 Active 87 DOM
  21. 2026-07-11
    days on market $105,000 Active 86 DOM
  22. 2026-07-10
    days on market $105,000 Active 85 DOM
  23. 2026-07-09
    days on market $105,000 Active 84 DOM
  24. 2026-07-08
    days on market $105,000 Active 83 DOM
  25. 2026-07-07
    days on market $105,000 Active 82 DOM
  26. 2026-07-06
    days on market $105,000 Active 81 DOM
  27. 2026-07-05
    days on market $105,000 Active 80 DOM
  28. 2026-07-04
    days on market $105,000 Active 79 DOM
  29. 2026-07-03
    days on market $105,000 Active 78 DOM
  30. 2026-07-02
    days on market $105,000 Active 77 DOM
  31. 2026-07-01
    days on market $105,000 Active 76 DOM
  32. 2026-06-30
    days on market $105,000 Active 75 DOM
  33. 2026-06-29
    days on market $105,000 Active 74 DOM
  34. 2026-06-28
    days on market $105,000 Active 73 DOM
  35. 2026-06-28
    days on market $105,000 Active 72 DOM
  36. 2026-06-27
    days on market $105,000 Active 71 DOM
  37. 2026-06-25
    days on market $105,000 Active 69 DOM
  38. 2026-06-23
    days on market $105,000 Active 67 DOM
  39. 2026-06-21
    days on market $105,000 Active 66 DOM
  40. 2026-06-18
    days on market $105,000 Active 63 DOM
  41. 2026-06-17
    days on market $105,000 Active 62 DOM
  42. 2026-06-16
    days on market $105,000 Active 61 DOM
  43. 2026-06-15
    days on market $105,000 Active 60 DOM
  44. 2026-06-14
    days on market $105,000 Active 58 DOM
  45. 2026-06-10
    days on market $105,000 Active 55 DOM
  46. 2026-06-09
    days on market $105,000 Active 54 DOM
  47. 2026-06-08
    days on market $105,000 Active 53 DOM
  48. 2026-06-07
    days on market $105,000 Active 52 DOM
  49. 2026-06-03
    days on market $105,000 Active 48 DOM
  50. 2026-06-02
    days on market $105,000 Active 47 DOM

ⓘ 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 2/10 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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$24,556
− Mortgage interest
−$5,882
− Property taxes
−$754
− Insurance
−$525
− Repairs & maintenance
−$1,964
− Management
−$1,964
− Depreciation
−$3,055
Taxable income
$10,411
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,499
After-tax cash flow
$9,014/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 · 9 photos

Fair 45/100 Moderate rehab Est. rehab $27,600–$49,680 screening

This property requires moderate repairs and maintenance to improve its condition and value. Painting, updating fixtures, and landscaping would significantly enhance its appeal for both resale and rental.

Repairs flagged

  • Minor Exposed plumbing in kitchen — Exposed plumbing can be easily concealed
  • Minor Simple fixtures in bathroom — Upgrading fixtures can improve aesthetics
  • Moderate Blue siding on exterior — Aging appearance may benefit from repainting

Value-add opportunities

  • Both Painting and updating fixtures — Improves aesthetics and rental appeal
  • Both Landscaping and curb appeal — Enhances curb appeal and rental value

ⓘ Rehab cost is a screening estimate — Moderate 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 28/100

Zoned Schools

Elementary C. A. Weis Elementary School F FL #2,061/2,144 Nat'l #31,549/41,679 Middle Warrington Middle School F FL #553/571 Nat'l #11,382/14,009 High Pensacola High School F FL #304/667 Nat'l #8,293/17,239

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
B Composite livability gradescore 73/100

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 · 334,637 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
15% of renters

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

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.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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