Emilia Plan · Daytona Beach, FL 32124

$394,000

4 bd · 3.0 ba · 2,190 sqft · SingleFamily · 1003 Days on market

Good condition ↓ 3% since listing

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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).

• Cash flow +7.6/30.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• Livability +4.2/5.0
• Appreciation +4.0/10.0
• Condition / age +4.0/5.0
• Rent growth +3.9/5.0
• 1% rule +2.2/10.0
• DSCR +1.7/10.0

Listing remarks MLS

Deciding where to buy a home? The Emilia floorplan in Daytona Beach, FL offers an open-concept floorplan with 4 bedrooms, 3 bathrooms, and a 2-car garage. This home features a spacious kitchen that overlooks the great room, dining, and covered lanai.

Key facts

• 2 garage spots
• Listed 1002 days

🏗️ New construction. The $394,000 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $420,000.

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $394k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-661 ($-8k/yr) — negative.
• To cash-flow at today's rent, offer at most $324k (17.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $303k (23.1% below list).
• Recommended offer: $303k (23.1% below list) — sets the bar for 1% rule.
• Cap rate 4.8% vs local median 3.7% in Daytona Beach — 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 83/100 on livability (#46 in FL, #867 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: employment D-.
• Volusia (suburban): math 44% / reading 49% proficiency, ranked #47 of 73 in FL (top 64%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Champion Elementary School (math 39% / reading 44%, grade F, #1,437 of 2,144 statewide, top 68%, 584 students, 70% FRL); David C. Hinson Sr. Middle School (math 52% / reading 49%, grade C, #246 of 571 statewide, top 44%, 950 students, 52% FRL); Mainland High School (math 30% / reading 37%, grade F, #400 of 667 statewide, top 61%, 1,855 students, 64% FRL).
• Market conditions: Rents rising fast (+5.5%/yr); 397 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals lingering (median 42d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 79% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 3,402 units permitted in Volusia County in 2024 (681 in 5+ unit buildings).
• This rent runs 39% of the median local income ($93k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-2.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Volusia County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 1003 days — a 12% lower offer ($347k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $152/mo.
• Climate carrying-cost: in FEMA flood zone AH (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $303,044 (23.1% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 1003 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.72% ✗
• Cap rate: 4.84%
• Cash-on-cash: -5.19%
• DSCR: 0.77
• GRM: 11.5

CMA / ARV

• ARV (median comp): $420,000
• List price: $394,000
• Delta: -4.93%
• Verdict: FAIR
• Comps: 3 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1072 Morfontaine St	0.62mi	4/3.0	2,336 (+7%)	0mo	$433,990	$186	60
121 Dockside Pl	1.81mi	3/3.0 (-1)	2,067 (-6%)	0mo	$630,000	$305	50
1129 British Cir	0.53mi	4/2.5	2,574 (+18%)	0mo	$420,000	$163	48
1217 Pampus Dr	0.54mi	4/2.5	2,574 (+18%)	0mo	$420,000	$163	47
985 Champion Rdg Dr	0.79mi	3/2.0 (-1)	1,672 (-24%)	0mo	$368,125	$220	31
135 Azure Ct	2.01mi	3/2.0 (-1)	1,661 (-24%)	0mo	$525,000	$316	31
943 Attitude Ave	2.19mi	2/2.0 (-2)	1,608 (-27%)	0mo	$443,000	$275	26

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-1.99% appreciation · 5.46% rent growth · sell at horizon

5-year hold

• IRR: -18.2%
• Equity multiple: 0.28×
• Total profit: $-84,296
• Equity at exit: $81,780

10-year hold

• IRR: -8.1%
• Equity multiple: 0.34×
• Total profit: $-77,774
• Equity at exit: $70,089

Cash invested: $117,600 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 56 active · 25 under contract
• Months of supply: 84.0 mo (1%/mo absorbed)
• Median asking: $406,490 ($200/sqft)
• Median days on market: 99 d
• This list price: 38% of active listings are priced below it
• ARV vs active asking: -4.0% vs current asking $/sqft

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

ZIP-level market 32124

• Home prices YoY: -0.6%
• Rents YoY: 5.5%
• Active inventory: 397
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $3,030 high
• Mortgage (P&I): −$2,203
• Tax est. 1.5%: −$525 /mo · $6,300/yr
• Insurance: −$175
• Flood insurance flood zone: −$152 /mo · $1,824/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$636
• Net cashflow: $-661

Break-even live

Break-even rent $3,867

Max offer price $324,422

Occupancy floor —

Sensitivity live

Price	-10% $-370	-5% $-515	+0% $-661	+5% $-806	+10% $-951
Rent	-10% $-900	-5% $-780	+0% $-661	+5% $-541	+10% $-421
Rate	-1.0pp $-449	-0.5pp $-554	base $-661	+0.5pp $-769	+1.0pp $-880

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: $105,000
• Closing costs: $12,600
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
136 Links Terrace Blvd Daytona Beach, FL	3.0	2.0	1483	$2,500	$1.69	68d	1	0.43mi
284 Links Terrace Blvd Daytona Beach, FL	4.0	2.5	2200	$2,850	$1.30	72d	1	0.44mi
111 Lost Ball Dr Daytona Beach, FL	4.0	2.0	1708	$2,500	$1.46	32d	1	0.48mi
137 Lost Ball Dr Daytona Beach, FL	4.0	2.5	2168	$2,950	$1.36	60d	1	0.49mi
132 Lost Ball Dr Daytona Beach, FL	3.0	2.0	1484	$2,300	$1.55	72d	1	0.52mi
1008 British Cir Daytona Beach, FL	4.0	2.0	1908	$2,650	$1.39	16d	1	0.67mi
1009 Champion Ridge Dr Daytona Beach, FL	4.0	2.0	1828	$2,720	$1.49	32d	1	0.73mi
1250 Champions Dr Daytona Beach, FL	3.0	2.0	2004	$2,595	$1.29	41d	1	0.82mi
1203 Cabot Cliffs Dr Daytona Beach, FL	5.0	2.5	2355	$2,800	$1.19	41d	1	1.30mi
604 Champion Ridge Dr Daytona Beach, FL	3.0	2.0	1761	$2,199	$1.25	32d	1	1.39mi
1143 Cabot Cliffs Dr Daytona Beach, FL	5.0	2.5	2370	$2,990	$1.26	41d	1	1.40mi
126 Masters Ln Daytona Beach, FL	3.0	2.5	1952	$2,095	$1.07	16d	1	1.41mi
1122 Cabot Cliffs Dr Daytona Beach, FL	3.0	2.0	1432	$3,200	$2.23	63d	1	1.43mi
1122 Cabot Cliffs Dr Daytona Beach, FL	3.0	2.0	1432	$3,200	$2.23	16d	1	1.43mi

Listing history 50 events

1. 2026-08-08
   days on market $394,000 Active 1003 DOM
2. 2026-08-07
   days on market $394,000 Active 1002 DOM
3. 2026-08-06
   price $394,000 Active 1001 DOM
4. 2026-08-06
   days on market $399,290 Active 1001 DOM
5. 2026-08-05
   days on market $399,290 Active 1000 DOM
6. 2026-08-04
   days on market $399,290 Active 999 DOM
7. 2026-08-03
   days on market $399,290 Active 998 DOM
8. 2026-07-31
   days on market $399,290 Active 995 DOM
9. 2026-07-30
   days on market $399,290 Active 993 DOM
10. 2026-07-28
    days on market $399,290 Active 992 DOM
11. 2026-07-26
    days on market $399,290 Active 990 DOM
12. 2026-07-25
    days on market $399,290 Active 989 DOM
13. 2026-07-24
    days on market $399,290 Active 988 DOM
14. 2026-07-23
    days on market $399,290 Active 987 DOM
15. 2026-07-22
    days on market $399,290 Active 986 DOM
16. 2026-07-21
    pricedays on market $399,290 Active 985 DOM
17. 2026-07-16
    days on market $399,999 Active 980 DOM
18. 2026-07-16
    days on market $399,999 Active 979 DOM
19. 2026-07-14
    days on market $399,999 Active 978 DOM
20. 2026-07-14
    days on market $399,999 Active 977 DOM
21. 2026-07-12
    days on market $399,999 Active 976 DOM
22. 2026-07-11
    pricedays on market $399,999 Active 975 DOM
23. 2026-07-10
    days on market $412,290 Active 974 DOM
24. 2026-07-09
    days on market $412,290 Active 973 DOM
25. 2026-07-07
    days on market $412,290 Active 971 DOM
26. 2026-07-06
    days on market $412,290 Active 970 DOM
27. 2026-07-05
    days on market $412,290 Active 969 DOM
28. 2026-07-03
    days on market $412,290 Active 967 DOM
29. 2026-07-01
    days on market $412,290 Active 965 DOM
30. 2026-06-30
    days on market $412,290 Active 964 DOM
31. 2026-06-29
    days on market $412,290 Active 963 DOM
32. 2026-06-28
    days on market $412,290 Active 962 DOM
33. 2026-06-28
    days on market $412,290 Active 961 DOM
34. 2026-06-27
    days on market $412,290 Active 960 DOM
35. 2026-06-25
    days on market $412,290 Active 958 DOM
36. 2026-06-23
    days on market $412,290 Active 956 DOM
37. 2026-06-22
    days on market $412,290 Active 955 DOM
38. 2026-06-18
    days on market $412,290 Active 952 DOM
39. 2026-06-17
    days on market $412,290 Active 951 DOM
40. 2026-06-16
    days on market $412,290 Active 950 DOM
41. 2026-06-15
    days on market $412,290 Active 949 DOM
42. 2026-06-14
    days on market $412,290 Active 947 DOM
43. 2026-06-10
    days on market $412,290 Active 944 DOM
44. 2026-06-09
    days on market $412,290 Active 943 DOM
45. 2026-06-08
    days on market $412,290 Active 942 DOM
46. 2026-06-07
    days on market $412,290 Active 941 DOM
47. 2026-06-05
    days on market $412,290 Active 938 DOM
48. 2026-06-03
    days on market $412,290 Active 937 DOM
49. 2026-06-03
    days on market $412,290 Active 936 DOM
50. 2026-06-01
    days on market $412,290 Active 935 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone AH · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°F today · 19 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $36,365
• − Mortgage interest: −$23,527
• − Property taxes: −$6,300
• − Insurance: −$3,924
• − Repairs & maintenance: −$2,909
• − Management: −$2,909
• − Depreciation: −$12,218
• Taxable loss: −$15,422
• Est. tax savings @ 24.0%: +$3,701
• After-tax cash flow: $-4,225/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 · 12 photos

Good 80/100 None rehab

This Emilia floorplan in Daytona Beach, FL is in excellent condition with modern finishes and a spacious layout. It offers a good return on investment with minimal updates needed.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint can enhance curb appeal and interior aesthetics ↑
• Both Landscaping improvements — Enhances curb appeal and can increase property value ↑
• Both Adding smart home features — Improves convenience and can attract tech-savvy buyers ↑

F Composite school gradezoned avg 42/100

Zoned Schools

Elementary Champion Elementary School F FL #1,437/2,144 Nat'l #18,859/41,679 Middle David C. Hinson Sr. Middle School C FL #246/571 Nat'l #3,367/14,009 High Mainland High School F FL #400/667 Nat'l #10,191/17,239

Schools (NCES district)

• District: Volusia
• NCES district ID: 1201920
• Math proficiency: 44% ▼ -9.00%
• Reading proficiency: 49% ▼ -3.00%
• Median HH income: $42,946
• Composite: 39.2/100
• National rank: #4019
• State rank: #47 of 73 in FL

A Composite livability gradescore 83/100

Livability — Daytona Beach

• Score: 83/100
• State rank: #46
• US rank: #867

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Daytona Beach, FL
• County: Volusia County · 572,749 people
• City population: 67,539
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• Population (ZIP): 11,409
• Household income: $92,616
• Rent vs Own: 5.8% rent · 94.2% own

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Population outlook (Volusia County) Hauer SSP2

• Today (2025): 572,749 people
• By 2030: 598,695 · +4.5%
• By 2040: 644,880 · +12.6%
• By 2050: 681,451 · +19.0%
• By 2075: 759,957 · +32.7%
• By 2100: 778,902 · +36.0%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Black 20% Hispanic / Latino 5% Asian 2% Two or more races 1%
• Common ancestry: Romanian 3% Italian 2% Portuguese 1%
• Foreign-born: 10% · Canada, Mexico, South Korea
• Languages at home: 91% English-only · Spanish 4% Other Asian/Pacific 1% Other Indo-European 1%

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Political lean MEDSL · Volusia

• 2024 margin: Strong R (+21.8) · D 38.7% · R 60.5%
• 2008→2024 swing: -27.4pp toward R · 2008: 5.7pp · 2024: -21.8pp
• All cycles: 2024: R+21.8 2020: R+14.1 2016: R+13.1 2012: R+1.2 2008: D+5.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -1.99%
• Current HPI: 311.7456
• Rent YoY: ▲ 5.46%
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

-3.2% since first listed

34 events — show timeline

• 2026-05-01 Price Changed $412,290 Zillow
• 2026-04-24 Price Changed $383,990 Zillow
• 2026-04-23 Price Changed $389,490 Zillow
• 2026-02-10 Price Changed $383,990 Zillow
• 2026-01-30 Price Changed $403,680 Zillow
• 2026-01-28 Price Changed $400,000 Zillow
• 2026-01-16 Price Changed $421,680 Zillow
• 2025-12-02 Price Changed $417,680 Zillow
• 2025-11-12 Price Changed $399,990 Zillow
• 2025-11-01 Price Changed $417,680 Zillow
• 2025-10-31 Price Changed $408,680 Zillow
• 2025-08-30 Price Changed $417,680 Zillow
• 2025-07-30 Price Changed $419,680 Zillow
• 2025-07-24 Price Changed $384,000 Zillow
• 2025-07-19 Price Changed $433,000 Zillow
• 2025-06-06 Price Changed $428,000 Zillow
• 2025-05-20 Price Changed $424,990 Zillow
• 2025-04-02 Price Changed $433,000 Zillow
• 2025-03-28 Price Changed $431,000 Zillow
• 2025-03-21 Price Changed $481,470 Zillow
• 2025-03-11 Price Changed $424,990 Zillow
• 2025-03-06 Price Changed $421,990 Zillow
• 2025-03-05 Price Changed $449,000 Zillow
• 2025-02-19 Price Changed $410,000 Zillow
• 2025-02-11 Price Changed $415,000 Zillow
• 2025-02-06 Price Changed $430,000 Zillow
• 2025-01-25 Price Changed $444,500 Zillow
• 2025-01-04 Price Changed $464,500 Zillow
• 2024-11-03 Price Changed $459,500 Zillow
• 2024-10-03 Price Changed $454,500 Zillow
• 2024-09-08 Price Changed $452,500 Zillow
• 2024-08-07 Price Changed $454,000 Zillow
• 2024-03-06 Price Changed $405,990 Zillow
• 2023-11-10 Listed $425,990 Zillow