3726 Kenilworth Blvd · Sebring, FL 33870

$140,000

3 bd · 1.0 ba · 1,040 sqft · SingleFamily public records · 71 Days on market

Built 1961 9,240 sqft lot Est $120k · 17% over

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Why this score? — see what drove the C- 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 +25.8/30.0
• DSCR +8.6/10.0
• 1% rule +5.9/10.0
• Schools +3.6/10.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

PRIME C1 COMMERCIAL OPPORTUNITY ON KENILWORTH BLVD! Stop paying rent and put your business on the map with this high-visibility property located directly on one of Sebring’s key corridors. Boasting 70 feet of road frontage and located just minutes from the Sebring Parkway, this versatile site is perfect for a professional office, boutique retail, or specialized service hub. The interior features a clean, professional canvas with vinyl flooring and modern fixtures already in place. The house is custom fitted with a smartlight system. The bones and location bring unbeatable equity potential within the Sebring City Limits. This is the ultimate "live-work" setup or strategic inv

Key facts

• New lvp flooring
• Modern fixtures
• Zoned c1 commercial

Tags

• 70 FEET OF ROAD FRONTAGE
• NEW LVP FLOORING
• MODERN FIXTURES
• ZONED C1 COMMERCIAL

Property features AI

Finance

• Other:
• Financial info:
• HOA & community: No HOA/association

Exterior

• Parking:
• Security:
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; Faces south
• Construction: Vinyl siding; Shingle roof; Block foundation; Built on a 0.21 acre lot
• Exterior features: Enclosed rear porch/patio

Interior

• Kitchen: Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Vinyl flooring; Wood flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Living room and dining room combo; Thermostat; Decorative fireplace; 7 total rooms
• Laundry & utility: Washer hookup; Electric dryer hookup; Other laundry feature

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $338 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $132k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.2% vs local median 4.3% in Sebring — 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 66/100 on livability (#618 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: amenities F, commute F, employment F.
• Highlands (other): math 45% / reading 43% proficiency, ranked #54 of 73 in FL (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Fred Wild Elementary School (math 49% / reading 41%, grade D-, #1,271 of 2,144 statewide, top 60%, 563 students, 87% FRL); Sebring Middle School (math 52% / reading 40%, grade D+, #300 of 571 statewide, top 53%, 815 students, 64% FRL); Sebring High School (math 32% / reading 48%, grade F, #296 of 667 statewide, top 45%, 1,809 students, 56% FRL) — zoned schools at 69% FRL track the district average.
• Market conditions: Rents soft (-0.3%/yr); 481 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 980 units permitted in Highlands County in 2024 (80 in 5+ unit buildings).
• This rent runs 37% of the median local income ($50k/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 $968 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 71 days — a 6% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $50k; list at $140k implies a 180% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $131,600 (6.0% below list)

Questions for the listing agent

1. It's been on market 71 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 1961 — 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 D-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. 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: 1.09% ✓
• Cap rate: 9.19%
• Cash-on-cash: 10.35%
• DSCR: 1.46
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $119,600
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
616 Denise Ave	0.35mi	3/1.0	1,050 (+1%)	8mo	$106,250	$101	75
612 Denise Ave	0.34mi	3/1.0	1,050 (+1%)	8mo	$106,250	$101	75
618 Denise Ave	0.35mi	3/1.0	1,050 (+1%)	10mo	$120,000	$114	74
604 Denise Ave	0.34mi	3/1.0	1,050 (+1%)	10mo	$107,000	$102	74
4816 4th St	0.70mi	3/2.0	1,017 (-2%)	4mo	$68,000	$67	56
3112 Spinks Rd	0.50mi	2/2.0 (-1)	1,089 (+5%)	5mo	$185,000	$170	56
4603 Howard St	0.72mi	3/2.0	1,056 (+2%)	12mo	$205,000	$194	50
1801 Colmar Ave	0.37mi	2/2.0 (-1)	934 (-10%)	9mo	$140,000	$150	49
1816 Steiner Ave	0.57mi	2/1.5 (-1)	1,134 (+9%)	10mo	$130,000	$115	43
1512 Sunkist Ave	0.54mi	2/1.5 (-1)	930 (-11%)	9mo	$185,000	$199	43
4810 5th St	0.71mi	2/1.0 (-1)	934 (-10%)	3mo	$93,000	$100	42
3135 Villa Rd	0.45mi	2/2.0 (-1)	899 (-14%)	12mo	$153,750	$171	37

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -4.0%
• Equity multiple: 0.86×
• Total profit: $-5,664
• Equity at exit: $20,874

10-year hold

• IRR: 2.2%
• Equity multiple: 1.14×
• Total profit: $5,330
• Equity at exit: $12,105

Cash invested: $39,200 (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 33870

• Home prices YoY: -20.0%
• Rents YoY: -0.3%
• Active inventory: 481
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,530 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$78 /mo · $935/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$321
• Net cashflow: $338

Break-even live

Break-even rent $1,102

Max offer price $140,000

Occupancy floor 73%

Sensitivity live

Price	-10% $417	-5% $378	+0% $338	+5% $299	+10% $259
Rent	-10% $217	-5% $278	+0% $338	+5% $399	+10% $459
Rate	-1.0pp $409	-0.5pp $374	base $338	+0.5pp $302	+1.0pp $265

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8761 Watersound Cir Sebring, FL	2.0–3.0	2.0	1090	$1,600	$1.47	22d	1	0.53mi

Listing history 18 events

1. 2026-06-21
   days on market $140,000 Active 71 DOM
2. 2026-06-19
   days on market $140,000 Active 69 DOM
3. 2026-06-18
   days on market $140,000 Active 68 DOM
4. 2026-06-17
   days on market $140,000 Active 67 DOM
5. 2026-06-16
   days on market $140,000 Active 66 DOM
6. 2026-06-15
   days on market $140,000 Active 65 DOM
7. 2026-06-14
   days on market $140,000 Active 63 DOM
8. 2026-06-10
   days on market $140,000 Active 60 DOM
9. 2026-06-09
   days on market $140,000 Active 59 DOM
10. 2026-06-08
    days on market $140,000 Active 58 DOM
11. 2026-06-07
    days on market $140,000 Active 57 DOM
12. 2026-06-02
    days on market $140,000 Active 52 DOM
13. 2026-06-01
    days on market $140,000 Active 51 DOM
14. 2026-05-31
    days on market $140,000 Active 50 DOM
15. 2026-05-30
    days on market $140,000 Active 49 DOM
16. 2026-04-12
    listed $140,000 Active
17. 2008-06-23
    soldstatus $50,000
18. 2004-10-01
    soldstatus $49,000

ⓘ 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: $935 · $78/mo
• Projected year-2 tax: $1,162 · $97/mo
• Expected delta: +$227/yr (+$19/mo · 24.2%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,360
• − Mortgage interest: −$7,842
• − Property taxes: −$935
• − Insurance: −$700
• − Repairs & maintenance: −$1,469
• − Management: −$1,469
• − Depreciation: −$4,073
• Taxable income: $1,872
• Est. tax owed @ 24.0%: −$449
• After-tax cash flow: $3,609/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: Highlands
• NCES district ID: 1200840
• Math proficiency: 45% ▼ -7.00%
• Reading proficiency: 43% ▼ -3.00%
• Median HH income: $35,276
• Composite: 36.42/100
• National rank: #4672
• State rank: #54 of 73 in FL

Livability — Sebring

• Score: 66/100
• State rank: #618
• US rank: #11992

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sebring, FL
• County: Highlands County · 98,898 people
• City population: 50,797
• Metro: Sebring-Avon Park, FL
• Population (ZIP): 25,195
• Household income: $49,942
• Rent vs Own: 31.3% rent · 68.7% own
• Severe rent burden: 994.0

Population outlook (Highlands County) Hauer SSP2

• Today (2025): 99,674 people
• By 2030: 99,615 · -0.1%
• By 2040: 99,342 · -0.3%
• By 2050: 98,242 · -1.4%
• By 2075: 93,291 · -6.4%
• By 2100: 79,894 · -19.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 60% Hispanic / Latino 22% Black 13% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 7% Cuban 5%
• Common ancestry: Slovak 2% Romanian 1% Lithuanian 1%
• Foreign-born: 10% · Canada, Jamaica, China
• Languages at home: 80% English-only · Spanish 16% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Highlands

• 2024 margin: Solid R (+40.8) · D 29.3% · R 70.1%
• 2008→2024 swing: -22.7pp toward R · 2008: -18.1pp · 2024: -40.8pp
• All cycles: 2024: R+40.8 2020: R+34.4 2016: R+32.0 2012: R+23.0 2008: R+18.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -68.68%
• Current HPI: 273.9861
• Rent YoY: ▼ -0.29%
• Metro: Sebring-Avon Park, 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

+185.7% since first listed

3 events — show timeline

• 2026-04-12 Listed $140,000 Stellar MLS as Distributed by MLS Grid
• 2008-06-23 Sold (Public Records) $50,000 Public Records
• 2004-10-01 Sold (Public Records) $49,000 Public Records

Property tax history

+0.0%/yr

Latest (2025): $935 · +5.5% YoY. Source: county tax records.