4918 Rosewood St · Jan Phyl Village, FL 33880

$125,000

2 bd · 2.0 ba · 1,008 sqft · Manufactured public records · 84 Days on market

Built 1980 3,563 sqft lot $163/mo HOA · 11% of rent

---

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 +23.9/30.0
• DSCR +7.7/10.0
• ARV discount +7.5/15.0
• 1% rule +7.2/10.0
• Schools +3.5/10.0
• Rent growth +3.1/5.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This home is a MUST HAVE!! The home has been updated from top to bottom. The kitchen features beautiful granite counters and new kitchen cabinets. Both baths have been remodeled. All the flooring is either ceramic or vinyl flooring. The shingle roof is 10 years old and the air conditioner was just installed in 2025. The water heater was installed in 2024. The home will be sold furnished less the personal items, complete with dishes, silverware and utensils. And if that isn't enough, just look at the lake view. From the side door you have a beautiful view of the lake and lakeside amenities. All you need to do is pack a bag and move right in. Oakwood Estates is a very active 55+ community that offers many amenities and opportunities. There are two pools, two clubhouses, tennis courts, shuffleboard, miniature golf and more!! You can be as busy as you want, or just sit back and enjoy the peaceful Florida living. Make your appointment today!!

Key facts

• Ceramic flooring
• Vinyl flooring
• New kitchen cabinets

Tags

• GRANITE COUNTERS
• NEW KITCHEN CABINETS
• REMODELED BATHROOMS
• CERAMIC FLOORING
• VINYL FLOORING
• VIEW OF THE LAKE

Property features AI

Finance

• Other: Furnished; Private maintained paved road; Lot roughly 0.08 acres (approx. 0 to less than 1/4 acre); Water body: Dinner Lake (no water frontage or access; water extras include fishing pier)
• Financial info: Total annual fees noted (approx. $1,957.32)
• HOA & community: Has HOA; monthly fee approximately $163.11; HOA includes water and trash; Community clubhouse, gated access, laundry, pool, shuffleboard, tennis courts; Buyer approval required; Deed restrictions; Golf carts allowed; Senior community; Pets allowed

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Public utilities
• Home design: Manufactured double wide home; One story; Faces west; Residential property
• Construction: Metal frame construction; Shingle roof; Built on crawlspace
• Exterior features: Rain gutters; Sliding doors; Fishing pier (water extras)

Interior

• Kitchen: Dishwasher; Range; Range hood; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Ceramic tile; Crawlspace foundation
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Walk-in closet(s)
• Laundry & utility: Washer; Dryer; Laundry area (other)

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $125k.

Deal economics

• At list price, monthly cash flow is $242 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $118k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 62/100 on livability (#769 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D+, schools F, amenities F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+2.5%/yr); 341 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 32% of the median local income ($56k/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 $864 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 84 days — a 6% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 13y ago 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.

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 $117,500 (6.0% below list)

Questions for the listing agent

1. It's been on market 84 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 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?
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: 1.22% ✓
• Cap rate: 8.61%
• Cash-on-cash: 8.28%
• DSCR: 1.37
• GRM: 6.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.47% rent growth · sell at horizon

5-year hold

• IRR: -4.3%
• Equity multiple: 0.84×
• Total profit: $-5,599
• Equity at exit: $18,638

10-year hold

• IRR: 4.8%
• Equity multiple: 1.34×
• Total profit: $11,988
• Equity at exit: $10,808

Cash invested: $35,000 (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 33880

• Home prices YoY: -16.2%
• Rents YoY: 2.5%
• Active inventory: 341
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,525 high
• Mortgage (P&I): −$656
• Tax from tax record: −$93 /mo · $1,116/yr
• Insurance: −$52
• HOA: −$163
• Vacancy / Maint / Mgmt: −$320
• Net cashflow: $242

Break-even live

Break-even rent $1,220

Max offer price $125,000

Occupancy floor 79%

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
449 Red Hawk Loop Winter Haven, FL	3.0	2.0	1109	$1,581	$1.43	3d	1	0.81mi
3320 Timberline Rd W Winter Haven, FL	3.0	2.0	1316	$1,735	$1.32	3d	1	0.81mi
3039 Saint Paul Dr Jan Phyl Village, FL	2.0	1.0	864	$1,175	$1.36	3d	1	0.82mi
3074 St Paul Dr Jan Phyl Village, FL	2.0	1.0	860	$1,149	$1.34	14d	1	0.83mi
3062 Saint Paul Dr Jan Phyl Village, FL	2.0	1.0	1100	$1,323	$1.20	3d	1	0.85mi
3060 Saint Paul Dr Jan Phyl Village, FL	2.0	1.0	762	$1,373	$1.80	23d	1	0.85mi
1059 Spirit Lake Rd Winter Haven, FL	2.0	1.0	900	$1,378	$1.53	23d	1	0.95mi
267 Lake Thomas Dr Winter Haven, FL	2.0	2.0	1033	$1,800	$1.74	23d	1	1.00mi
108 Brad Cir Winter Haven, FL	3.0	2.0	1325	$1,720	$1.30	23d	1	1.06mi

HOA detail

• Monthly dues: $163 · $1,956/yr
• Likely covers: waterpool

Listing history 27 events

1. 2026-06-18
   days on market $125,000 Active 84 DOM
2. 2026-06-17
   days on market $125,000 Active 83 DOM
3. 2026-06-16
   days on market $125,000 Active 82 DOM
4. 2026-06-15
   days on market $125,000 Active 81 DOM
5. 2026-06-13
   days on market $125,000 Active 79 DOM
6. 2026-06-10
   days on market $125,000 Active 76 DOM
7. 2026-06-09
   days on market $125,000 Active 75 DOM
8. 2026-06-08
   days on market $125,000 Active 74 DOM
9. 2026-06-07
   days on market $125,000 Active 73 DOM
10. 2026-06-05
    days on market $125,000 Active 70 DOM
11. 2026-06-03
    days on market $125,000 Active 69 DOM
12. 2026-06-03
    days on market $125,000 Active 68 DOM
13. 2026-06-01
    days on market $125,000 Active 67 DOM
14. 2026-05-31
    days on market $125,000 Active 66 DOM
15. 2026-03-26
    listed $125,000 Active
16. 2025-08-06
    soldstatus $125,000 Closed 955-char remark

    Show marketing remark (955 chars)

    This home is a MUST HAVE!! The home has been updated from top to bottom. The kitchen features beautiful granite counters and new kitchen cabinets. Both baths have been remodeled. All the flooring is either ceramic or vinyl flooring. The shingle roof is 10 years old and the air conditioner was just installed in 2025. The water heater was installed in 2024. The home will be sold furnished less the personal items, complete with dishes, silverware and utensils. And if that isn't enough, just look at the lake view. From the side door you have a beautiful view of the lake and lakeside amenities. All you need to do is pack a bag and move right in. Oakwood Estates is a very active 55+ community that offers many amenities and opportunities. There are two pools, two clubhouses, tennis courts, shuffleboard, miniature golf and more!! You can be as busy as you want, or just sit back and enjoy the peaceful Florida living. Make your appointment today!!

17. 2025-06-29
    status Pending 955-char remark

    Show marketing remark (955 chars)

    This home is a MUST HAVE!! The home has been updated from top to bottom. The kitchen features beautiful granite counters and new kitchen cabinets. Both baths have been remodeled. All the flooring is either ceramic or vinyl flooring. The shingle roof is 10 years old and the air conditioner was just installed in 2025. The water heater was installed in 2024. The home will be sold furnished less the personal items, complete with dishes, silverware and utensils. And if that isn't enough, just look at the lake view. From the side door you have a beautiful view of the lake and lakeside amenities. All you need to do is pack a bag and move right in. Oakwood Estates is a very active 55+ community that offers many amenities and opportunities. There are two pools, two clubhouses, tennis courts, shuffleboard, miniature golf and more!! You can be as busy as you want, or just sit back and enjoy the peaceful Florida living. Make your appointment today!!

18. 2025-06-24
    price $129,500 955-char remark

    Show marketing remark (955 chars)

    This home is a MUST HAVE!! The home has been updated from top to bottom. The kitchen features beautiful granite counters and new kitchen cabinets. Both baths have been remodeled. All the flooring is either ceramic or vinyl flooring. The shingle roof is 10 years old and the air conditioner was just installed in 2025. The water heater was installed in 2024. The home will be sold furnished less the personal items, complete with dishes, silverware and utensils. And if that isn't enough, just look at the lake view. From the side door you have a beautiful view of the lake and lakeside amenities. All you need to do is pack a bag and move right in. Oakwood Estates is a very active 55+ community that offers many amenities and opportunities. There are two pools, two clubhouses, tennis courts, shuffleboard, miniature golf and more!! You can be as busy as you want, or just sit back and enjoy the peaceful Florida living. Make your appointment today!!

19. 2025-03-24
    listed $132,500 Active 955-char remark

    Show marketing remark (955 chars)

    This home is a MUST HAVE!! The home has been updated from top to bottom. The kitchen features beautiful granite counters and new kitchen cabinets. Both baths have been remodeled. All the flooring is either ceramic or vinyl flooring. The shingle roof is 10 years old and the air conditioner was just installed in 2025. The water heater was installed in 2024. The home will be sold furnished less the personal items, complete with dishes, silverware and utensils. And if that isn't enough, just look at the lake view. From the side door you have a beautiful view of the lake and lakeside amenities. All you need to do is pack a bag and move right in. Oakwood Estates is a very active 55+ community that offers many amenities and opportunities. There are two pools, two clubhouses, tennis courts, shuffleboard, miniature golf and more!! You can be as busy as you want, or just sit back and enjoy the peaceful Florida living. Make your appointment today!!

20. 2015-02-18
    soldstatus $30,000 Sold 313-char remark

    Show marketing remark (313 chars)

    Welcome to your winter retreat, Oakwood estates has it all and from the side of this home you will have beautiful view of the lake. And also just a few steps away to minature golf course and horseshoe pits, and a short walk to fishing pier. This community sells out quickly so call today for your private viewing.

21. 2015-02-02
    status Pending 313-char remark

    Show marketing remark (313 chars)

    Welcome to your winter retreat, Oakwood estates has it all and from the side of this home you will have beautiful view of the lake. And also just a few steps away to minature golf course and horseshoe pits, and a short walk to fishing pier. This community sells out quickly so call today for your private viewing.

22. 2014-11-04
    listed $39,900 Active 313-char remark

    Show marketing remark (313 chars)

    Welcome to your winter retreat, Oakwood estates has it all and from the side of this home you will have beautiful view of the lake. And also just a few steps away to minature golf course and horseshoe pits, and a short walk to fishing pier. This community sells out quickly so call today for your private viewing.

23. 2014-10-31
    historical
24. 2014-06-14
    status Active
25. 2014-06-10
    historical
26. 2013-12-13
    price $39,900
27. 2013-10-31
    listed $45,000 Active

ⓘ 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: $1,116 · $93/mo
• Projected year-2 tax: $1,116 · $93/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,306
• − Mortgage interest: −$7,002
• − Property taxes: −$1,116
• − Insurance: −$625
• − Repairs & maintenance: −$1,464
• − Management: −$1,464
• − HOA: −$1,956
• − Depreciation: −$3,636
• Taxable income: $1,041
• Est. tax owed @ 24.0%: −$250
• After-tax cash flow: $2,648/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: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Jan Phyl Village

• Score: 62/100
• State rank: #769
• US rank: #17294

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Polk County · 740,051 people
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 43,371
• Household income: $56,390
• Rent vs Own: 33.4% rent · 66.6% own
• Severe rent burden: 1412.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 49% Hispanic / Latino 27% Black 17% Two or more races 14% Asian 1%
• Hispanic origin (detail): Mexican 11% Puerto Rican 10% Cuban 2%
• Common ancestry: Hispanic 2% Lithuanian 1% Italian 1%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 74% English-only · Spanish 21% French/Haitian/Cajun 4%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -61.41%
• Current HPI: 317.8788
• Rent YoY: ▲ 2.47%
• Metro: Lakeland-Winter Haven, 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

+177.8% since first listed

13 events — show timeline

• 2026-03-26 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-06 Sold (MLS) $125,000 Stellar MLS as Distributed by MLS Grid
• 2025-06-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-06-24 Price Changed $129,500 Stellar MLS as Distributed by MLS Grid
• 2025-03-24 Listed $132,500 Stellar MLS as Distributed by MLS Grid
• 2015-02-18 Sold (MLS) $30,000 Stellar MLS as Distributed by MLS Grid
• 2015-02-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2014-11-04 Listed $39,900 Stellar MLS as Distributed by MLS Grid
• 2014-10-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-06-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2013-12-13 Price Changed $39,900 Stellar MLS as Distributed by MLS Grid
• 2013-10-31 Listed $45,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+5.3%/yr

Latest (2025): $1,116 · +16.5% YoY. Source: county tax records.