7215 Maplehurst Dr · Jasmine Estates, FL 34668

$259,900

3 bd · 2.0 ba · 1,850 sqft · SingleFamily public records · 27 Days on market

Built 1979 Est $314k · 17% under

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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).

• ARV discount +15.0/15.0
• Cash flow +13.4/30.0
• Schools +4.3/10.0
• DSCR +4.0/10.0
• Livability +3.4/5.0
• Rent growth +2.8/5.0
• 1% rule +2.5/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

HUD Property sold "as-is", Information from sources deemed reliable but not guaranteed. Buyer to verify all information. Case no. 093-597921

Key facts

• Boating
• Close to schools
• Close to dining

Tags

• QUIET AREA
• CLOSE TO SHOPPING
• CLOSE TO DINING
• CLOSE TO SCHOOLS
• CLOSE TO OUTDOOR ATTRACTIONS
• BOATING

Property features AI

Finance

• Financial info: Annual taxes listed

Exterior

• Parking: Attached garage; Driveway; 2 covered garage spaces (2-car garage)
• Utilities: Public water; Public sewer
• Home design: Single-story; Faces east; Resale property
• Construction: Block construction; Shingle roof
• Exterior features: Lakefront property; Waterfront; Less than a quarter acre lot

Interior

• Kitchen: Dishwasher; Electric range; Microwave; Refrigerator
• Bedrooms: Bedroom on main level
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: First-floor entry; Bedroom on main level; Vinyl flooring; Has a view

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $260k.

Deal economics

• At list price, monthly cash flow is $6 ($76/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $195k (25.1% below list).
• Recommended offer: $195k (25.1% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 4.7% in Jasmine Estates — 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 67/100 on livability (#555 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D+, schools F, amenities F.
• Pasco (suburban): math 50% / reading 52% proficiency, ranked #32 of 73 in FL (top 44%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+1.3%/yr); 577 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• At $1,946/mo this rent would consume 49% of the median local household income ($47k/yr) (locally 2699% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Pasco County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($256k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 21y ago; this cycle's ask has dropped $15k (5%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $115k; list at $260k implies a 126% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $194,644 (25.1% below list)

Questions for the listing agent

1. Built in 1979 — 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 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?
4. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
5. 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?
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: 0.75% ✗
• Cap rate: 6.32%
• Cash-on-cash: 0.10%
• DSCR: 1.00
• GRM: 11.1

CMA / ARV

• ARV (on-the-fly): $314,500
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7450 Lake Forest Cir	0.29mi	3/2.0	1,909 (+3%)	2mo	$325,000	$170	80
7415 Lake Forest Cir	0.39mi	3/2.0	1,914 (+4%)	0mo	$330,000	$172	76
7608 Laurel Oak Ct	0.47mi	3/2.0	1,862 (+1%)	2mo	$388,000	$208	76
9004 Lido Ln	0.37mi	3/2.0	1,737 (-6%)	3mo	$259,000	$149	70
7206 San Moritz Dr	0.14mi	3/2.5	1,578 (-15%)	2mo	$250,000	$158	66
9135 Farmington Ln	0.29mi	2/2.0 (-1)	1,659 (-10%)	1mo	$280,000	$169	63
7715 Embassy Blvd	0.59mi	3/3.0	1,931 (+4%)	1mo	$315,000	$163	60
7233 Vienna Ln	0.25mi	4/3.0 (+1)	2,054 (+11%)	2mo	$320,000	$156	59
7026 Whitethorn Ct	0.61mi	3/2.0	1,999 (+8%)	1mo	$395,000	$198	57
7025 Sonata Dr	0.32mi	2/2.0 (-1)	1,600 (-14%)	1mo	$270,000	$169	57
8828 Carmen Ln	0.49mi	3/2.5	1,640 (-11%)	2mo	$350,000	$213	54
7906 Bahama Ave	0.72mi	4/2.0 (+1)	2,123 (+15%)	2mo	$440,000	$207	35

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 · 1.28% rent growth · sell at horizon

5-year hold

• IRR: -17.9%
• Equity multiple: 0.38×
• Total profit: $-45,156
• Equity at exit: $38,752

10-year hold

• IRR: -13.2%
• Equity multiple: 0.28×
• Total profit: $-52,470
• Equity at exit: $22,471

Cash invested: $72,772 (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 34668

• Home prices YoY: -17.4%
• Rents YoY: 1.3%
• Active inventory: 577
• Price-to-rent: 11.1×

Monthly cashflow live

• Estimated rent: $1,946 high
• Mortgage (P&I): −$1,363
• Tax from tax record: −$60 /mo · $721/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$409
• Net cashflow: $6

Break-even live

Break-even rent $1,938

Max offer price $259,900

Occupancy floor 95%

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: $64,975
• Closing costs: $7,797
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7125 Sandalwood Dr Port Richey, FL	2.0	2.0	1324	$1,681	$1.27	4d	1	0.25mi
7318 Vienna Ln Port Richey, FL	2.0	2.0	1530	$1,841	$1.20	20d	1	0.26mi
9136 Lometa Ln Port Richey, FL	3.0	2.0	1574	$1,795	$1.14	17d	1	0.27mi
7501 San Moritz Dr Port Richey, FL	3.0	2.0	1412	$1,600	$1.13	24d	1	0.29mi
7034 Coral Reef Dr Port Richey, FL	3.0	2.0	1325	$1,795	$1.35	24d	1	0.39mi
9141 Suffolk Ln Port Richey, FL	3.0	2.0	1512	$1,785	$1.18	24d	1	0.39mi
7605 Embassy Blvd Unit 1 Port Richey, FL	3.0	2.0	1469	$2,350	$1.60	24d	1	0.46mi
7605 Embassy Blvd Port Richey, FL	3.0	2.0	1278	$2,350	$1.84	12d	1	0.46mi
8910 Elm Leaf Ct Port Richey, FL	2.0	2.0	1248	$1,650	$1.32	4d	1	0.49mi
9105 Hermitage Ln Port Richey, FL	3.0	2.0	1442	$1,900	$1.32	24d	1	0.50mi
9304 Saint Regis Ln Port Richey, FL	2.0	2.0	1356	$1,550	$1.14	21d	1	0.50mi
9100 Hunt Club Ln Port Richey, FL	2.0	2.0	1365	$1,850	$1.36	21d	1	0.56mi
7205 Moravian Dr Port Richey, FL	3.0	2.0	1518	$1,845	$1.22	20d	1	0.57mi
7301 Moravian Dr Port Richey, FL	3.0	2.0	1325	$1,806	$1.36	4d	1	0.57mi
8839 Greenleaf Ct Port Richey, FL	3.0	2.0	1878	$2,000	$1.06	10d	1	0.61mi
9425 Saint Regis Ln Port Richey, FL	2.0	2.0	1380	$1,700	$1.23	24d	1	0.64mi
8729 Sabal Way Port Richey, FL	3.0	2.0	1807	$2,015	$1.12	4d	1	0.65mi
7210 Parrot Dr Port Richey, FL	4.0	2.0	1772	$2,800	$1.58	4d	1	0.83mi
8102 Chickasaw Ln Port Richey, FL	3.0	2.0	1688	$1,969	$1.17	4d	1	0.90mi
6920 Tierra Verde St Port Richey, FL	3.0	2.0	1478	$1,850	$1.25	24d	1	0.90mi
6947 Bottle Brush Dr Port Richey, FL	3.0	2.0	2121	$2,000	$0.94	24d	1	0.93mi
9845 Lake Chrise Ln Port Richey, FL	3.0	2.0	1622	$1,961	$1.21	24d	1	0.97mi
7815 Treasure Pointe Dr Port Richey, FL	3.0	2.0	1682	$2,024	$1.20	20d	1	0.98mi
8030 Gabriel Dr Port Richey, FL	3.0	2.0	1501	$2,025	$1.35	4d	1	0.99mi
6831 Tierra Linda St Port Richey, FL	3.0	2.0	1478	$1,595	$1.08	24d	1	1.07mi
10015 Cherry Creek Ln Port Richey, FL	3.0	2.0	1592	$1,600	$1.01	24d	1	1.11mi
9820 Rainbow Ln Port Richey, FL	2.0	1.0	1300	$1,325	$1.02	14d	1	1.14mi
9741 Scenic Dr Port Richey, FL	3.0	2.0	1246	$1,800	$1.44	4d	1	1.15mi
7829 Glencoe Dr New Port Richey, FL	3.0	2.0	1658	$2,295	$1.38	20d	1	1.19mi
10110 Cherry Creek Ln Port Richey, FL	3.0	1.0	1260	$1,600	$1.27	4d	1	1.20mi
9981 Eagles Point Cir #4 Port Richey, FL	2.0	2.0	1320	$1,850	$1.40	24d	1	1.31mi
7514 Spirea Dr Port Richey, FL	2.0	3.0	1696	$1,750	$1.03	14d	1	1.32mi
7514 Spirea Dr Port Richey, FL	2.0	3.0	1696	$1,750	$1.03	24d	1	1.32mi
7212 Carlton Arms Dr New Port Richey, FL	2.0	1.0–2.0	877	$1,609	$1.83	24d	1	1.34mi
7911 Foxwood Dr New Port Richey, FL	3.0	2.0	1529	$1,749	$1.14	12d	1	1.38mi
7810 Cayuga Dr New Port Richey, FL	2.0	2.0	1838	$1,973	$1.07	4d	1	1.39mi
9910 Island Harbor Dr Unit A Port Richey, FL	2.0	2.0	1498	$2,500	$1.67	24d	1	1.48mi

Listing history 22 events

1. 2026-06-18
   days on market $259,900 Active 27 DOM
2. 2026-06-17
   days on market $259,900 Active 26 DOM
3. 2026-06-16
   days on market $259,900 Active 25 DOM
4. 2026-06-15
   days on market $259,900 Active 24 DOM
5. 2026-06-13
   days on market $259,900 Active 22 DOM
6. 2026-06-09
   days on market $259,900 Active 18 DOM
7. 2026-06-08
   days on market $259,900 Active 17 DOM
8. 2026-06-07
   days on market $259,900 Active 16 DOM
9. 2026-06-04
   pricedays on market $259,900 Active 13 DOM
10. 2026-06-03
    days on market $275,000 Active 12 DOM
11. 2026-06-02
    days on market $275,000 Active 11 DOM
12. 2026-06-01
    days on market $275,000 Active 10 DOM
13. 2026-05-31
    days on market $275,000 Active 9 DOM
14. 2026-05-22
    listed $275,000 Active
15. 2008-10-11
    soldstatus $115,000 150-char remark

    Show marketing remark (150 chars)

    HUD Property sold "as-is", Information from sources deemed reliable but not guaranteed. Buyer to verify all information. Case no. 093-597921

16. 2008-09-12
    listed $123,500 150-char remark

    Show marketing remark (150 chars)

    HUD Property sold "as-is", Information from sources deemed reliable but not guaranteed. Buyer to verify all information. Case no. 093-597921

17. 2008-05-24
    historical
18. 2007-11-21
    listed $119,900
19. 2005-12-30
    soldstatus $185,000
20. 2005-12-21
    soldstatus $185,000
21. 2005-10-29
    listed $189,900
22. 2002-06-07
    soldstatus $83,300

ⓘ 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: $721 · $60/mo
• Projected year-2 tax: $2,157 · $180/mo
• Expected delta: +$1,436/yr (+$120/mo · 199.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 68% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 27 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,357
• − Mortgage interest: −$14,558
• − Property taxes: −$721
• − Insurance: −$1,300
• − Repairs & maintenance: −$1,869
• − Management: −$1,869
• − Depreciation: −$7,561
• Taxable loss: −$4,520
• Est. tax savings @ 24.0%: +$1,085
• After-tax cash flow: $1,161/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: Pasco
• NCES district ID: 1201530
• Math proficiency: 50% ▼ -10.00%
• Reading proficiency: 52% ▼ -5.00%
• Median HH income: $45,039
• Composite: 43.14/100
• National rank: #3074
• State rank: #32 of 73 in FL

Livability — Jasmine Estates

• Score: 67/100
• State rank: #555
• US rank: #10561

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jasmine Estates, FL
• County: Pasco County · 524,098 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 49,442
• Household income: $47,401
• Rent vs Own: 37.2% rent · 62.8% own
• Severe rent burden: 2699.0

Population outlook (Pasco County) Hauer SSP2

• Today (2025): 570,045 people
• By 2030: 605,844 · +6.3%
• By 2040: 674,806 · +18.4%
• By 2050: 736,022 · +29.1%
• By 2075: 862,900 · +51.4%
• By 2100: 906,364 · +59.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Hispanic / Latino 23% Two or more races 14% Black 4%
• Hispanic origin (detail): Mexican 3% Puerto Rican 10% Cuban 5% Dominican 1%
• Common ancestry: Romanian 3% Lithuanian 3% Slovak 2%
• Foreign-born: 11% · Canada, Jamaica
• Languages at home: 82% English-only · Spanish 14% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Pasco

• 2024 margin: Strong R (+25.2) · D 36.9% · R 62.1% · Other 1.0%
• 2008→2024 swing: -21.6pp toward R · 2008: -3.6pp · 2024: -25.2pp
• All cycles: 2024: R+25.2 2020: R+20.1 2016: R+21.6 2012: R+6.7 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -75.64%
• Current HPI: 359.7163
• Rent YoY: ▲ 1.28%
• Metro: Tampa-St. Petersburg-Clearwater, 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

+230.1% since first listed

9 events — show timeline

• 2026-05-22 Listed $275,000 MARMLS
• 2008-10-11 Sold (MLS) $115,000 Stellar MLS as Distributed by MLS Grid
• 2008-09-12 Listed $123,500 Stellar MLS as Distributed by MLS Grid
• 2008-05-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-11-21 Listed $119,900 Stellar MLS as Distributed by MLS Grid
• 2005-12-30 Sold (Public Records) $185,000 Public Records
• 2005-12-21 Sold (MLS) $185,000 Stellar MLS as Distributed by MLS Grid
• 2005-10-29 Listed $189,900 Stellar MLS as Distributed by MLS Grid
• 2002-06-07 Sold (Public Records) $83,300 Public Records

Property tax history

+0.3%/yr

Latest (2025): $721 · +2.3% YoY. Source: county tax records.