342 NW 9th Ave · Webster, FL 33597

$210,000

3 bd · 2.0 ba · 1,232 sqft · SingleFamily public records · 37 Days on market

Built 2023 7,250 sqft lot Est $228k · 8% under ↓ 7% since listing

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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 +17.3/30.0
• ARV discount +11.0/15.0
• DSCR +5.4/10.0
• Schools +5.2/10.0
• Livability +3.5/5.0
• 1% rule +3.4/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Pre-Construction. To be built. NEW Construction. 1416 Total Square Ft 1206 sq ft Living 212 sq ft porch - 3 Bedroom - 2 Bath - Large Kitchen - Shaker Cabinets - Granite Counters - Extra Deep Kitchen Sink - Full Pantry - Recessed Lighting - Stainless Steel Appliances - Washer and Dry - 2.5 Carrier Air Conditon/Heat - Tiled Showers - Upgraded Lighting Package - Front Porch - Metal Roof - New Construction / Available Photos are of existing homes in new development.

Key facts

• Metal roof
• Shed
• Fenced yard

Tags

• METAL ROOF
• NEWER APPLIANCES
• FENCED YARD
• SHED

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $155 ($2k/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 $176k (16.2% below list).
• Recommended offer: $176k (16.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#411 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: employment C-, schools D, amenities F.
• Sumter (rural): math 61% / reading 61% proficiency, ranked #11 of 73 in FL (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 302 active listings in the ZIP; 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 37 days — a 3% lower offer ($204k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 3y 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; moderate wildfire risk; extreme-heat days projected 6→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $175,925 (16.2% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.84% ✗
• Cap rate: 7.18%
• Cash-on-cash: 3.16%
• DSCR: 1.14
• GRM: 9.9

CMA / ARV

• ARV (on-the-fly): $227,920
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
342 NW 9th Ave	0.00mi	3/2.0	1,206 (-2%)	1mo	$204,000	$169	96
381 NW 10th Ave	0.03mi	3/2.0	1,200 (-3%)	14mo	$162,000	$135	83
626 NW 9th Ave	0.17mi	3/2.0	1,232 (0%)	14mo	$228,000	$185	81
654 NW 9th Ave	0.20mi	3/2.0	1,206 (-2%)	10mo	$219,000	$182	78
646 NW 9th Ave	0.19mi	3/2.0	1,206 (-2%)	11mo	$219,999	$182	78
662 NW 9th Ave	0.22mi	3/2.0	1,206 (-2%)	12mo	$215,000	$178	76
9294 CR 733	0.39mi	3/2.0	1,248 (+1%)	14mo	$286,000	$229	68
2838 CR 726	0.24mi	3/1.5	1,066 (-14%)	1mo	$255,000	$239	64
151 NW 3rd Ave	0.55mi	3/2.0	1,320 (+7%)	13mo	$264,900	$201	52
135 NW 3rd Ave	0.56mi	3/2.0	1,320 (+7%)	22mo	$250,000	$189	43

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.4%
• Equity multiple: 0.59×
• Total profit: $-24,266
• Equity at exit: $31,312

10-year hold

• IRR: -2.2%
• Equity multiple: 0.85×
• Total profit: $-8,855
• Equity at exit: $18,157

Cash invested: $58,800 (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 33597

• Home prices YoY: -5.2%
• Active inventory: 302
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $1,759 medium
• Mortgage (P&I): −$1,101
• Tax from tax record: −$46 /mo · $553/yr
• Insurance: −$88
• HOA: −$0
• Vacancy / Maint / Mgmt: −$369
• Net cashflow: $155

Break-even live

Break-even rent $1,563

Max offer price $210,000

Occupancy floor 86%

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Listing history 10 events

1. 2026-04-27
   status Pending
2. 2026-04-17
   price $210,000
3. 2026-03-20
   listed $220,000 Active
4. 2023-10-31
   soldstatus $240,845 Closed 466-char remark

   Show marketing remark (466 chars)

   Pre-Construction. To be built. NEW Construction. 1416 Total Square Ft 1206 sq ft Living 212 sq ft porch - 3 Bedroom - 2 Bath - Large Kitchen - Shaker Cabinets - Granite Counters - Extra Deep Kitchen Sink - Full Pantry - Recessed Lighting - Stainless Steel Appliances - Washer and Dry - 2.5 Carrier Air Conditon/Heat - Tiled Showers - Upgraded Lighting Package - Front Porch - Metal Roof - New Construction / Available Photos are of existing homes in new development.

5. 2023-09-06
   status Pending 466-char remark

   Show marketing remark (466 chars)

   Pre-Construction. To be built. NEW Construction. 1416 Total Square Ft 1206 sq ft Living 212 sq ft porch - 3 Bedroom - 2 Bath - Large Kitchen - Shaker Cabinets - Granite Counters - Extra Deep Kitchen Sink - Full Pantry - Recessed Lighting - Stainless Steel Appliances - Washer and Dry - 2.5 Carrier Air Conditon/Heat - Tiled Showers - Upgraded Lighting Package - Front Porch - Metal Roof - New Construction / Available Photos are of existing homes in new development.

6. 2023-06-30
   status Active 466-char remark

   Show marketing remark (466 chars)

   Pre-Construction. To be built. NEW Construction. 1416 Total Square Ft 1206 sq ft Living 212 sq ft porch - 3 Bedroom - 2 Bath - Large Kitchen - Shaker Cabinets - Granite Counters - Extra Deep Kitchen Sink - Full Pantry - Recessed Lighting - Stainless Steel Appliances - Washer and Dry - 2.5 Carrier Air Conditon/Heat - Tiled Showers - Upgraded Lighting Package - Front Porch - Metal Roof - New Construction / Available Photos are of existing homes in new development.

7. 2023-05-31
   status Pending 466-char remark

   Show marketing remark (466 chars)

   Pre-Construction. To be built. NEW Construction. 1416 Total Square Ft 1206 sq ft Living 212 sq ft porch - 3 Bedroom - 2 Bath - Large Kitchen - Shaker Cabinets - Granite Counters - Extra Deep Kitchen Sink - Full Pantry - Recessed Lighting - Stainless Steel Appliances - Washer and Dry - 2.5 Carrier Air Conditon/Heat - Tiled Showers - Upgraded Lighting Package - Front Porch - Metal Roof - New Construction / Available Photos are of existing homes in new development.

8. 2023-04-25
   status Active 466-char remark

   Show marketing remark (466 chars)

   Pre-Construction. To be built. NEW Construction. 1416 Total Square Ft 1206 sq ft Living 212 sq ft porch - 3 Bedroom - 2 Bath - Large Kitchen - Shaker Cabinets - Granite Counters - Extra Deep Kitchen Sink - Full Pantry - Recessed Lighting - Stainless Steel Appliances - Washer and Dry - 2.5 Carrier Air Conditon/Heat - Tiled Showers - Upgraded Lighting Package - Front Porch - Metal Roof - New Construction / Available Photos are of existing homes in new development.

9. 2023-04-19
   status Pending 466-char remark

   Show marketing remark (466 chars)

   Pre-Construction. To be built. NEW Construction. 1416 Total Square Ft 1206 sq ft Living 212 sq ft porch - 3 Bedroom - 2 Bath - Large Kitchen - Shaker Cabinets - Granite Counters - Extra Deep Kitchen Sink - Full Pantry - Recessed Lighting - Stainless Steel Appliances - Washer and Dry - 2.5 Carrier Air Conditon/Heat - Tiled Showers - Upgraded Lighting Package - Front Porch - Metal Roof - New Construction / Available Photos are of existing homes in new development.

10. 2023-03-10
    listed $225,000 Active 466-char remark

    Show marketing remark (466 chars)

    Pre-Construction. To be built. NEW Construction. 1416 Total Square Ft 1206 sq ft Living 212 sq ft porch - 3 Bedroom - 2 Bath - Large Kitchen - Shaker Cabinets - Granite Counters - Extra Deep Kitchen Sink - Full Pantry - Recessed Lighting - Stainless Steel Appliances - Washer and Dry - 2.5 Carrier Air Conditon/Heat - Tiled Showers - Upgraded Lighting Package - Front Porch - Metal Roof - New Construction / Available Photos are of existing homes in new development.

ⓘ 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: $553 · $46/mo
• Projected year-2 tax: $1,743 · $145/mo
• Expected delta: +$1,190/yr (+$99/mo · 215.1%)

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 6 d/yr ≥108°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,111
• − Mortgage interest: −$11,763
• − Property taxes: −$553
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,689
• − Management: −$1,689
• − Depreciation: −$6,109
• Taxable loss: −$1,742
• Est. tax savings @ 24.0%: +$418
• After-tax cash flow: $2,278/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: Sumter
• NCES district ID: 1201800
• Math proficiency: 61% ▼ -4.00%
• Reading proficiency: 61% ▼ -2.00%
• Median HH income: $48,240
• Composite: 51.74/100
• National rank: #1682
• State rank: #11 of 73 in FL

Livability — Webster

• Score: 70/100
• State rank: #411
• US rank: #7339

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Webster, FL
• Population (ZIP): 9,424

Population outlook (Sumter County) Hauer SSP2

• Today (2025): 161,172 people
• By 2030: 180,083 · +11.7%
• By 2040: 209,892 · +30.2%
• By 2050: 234,186 · +45.3%
• By 2075: 284,602 · +76.6%
• By 2100: 317,039 · +96.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Hispanic / Latino 15% Two or more races 8% Black 4% Native American 2%
• Hispanic origin (detail): Mexican 9% Cuban 2%
• Common ancestry: Serbian 3% Italian 2% Iranian 2%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 91% English-only · Spanish 9%

Political lean MEDSL · Sumter

• 2024 margin: Solid R (+37.6) · D 30.9% · R 68.6%
• 2008→2024 swing: -10.6pp toward R · 2008: -27.0pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+36.1 2016: R+39.2 2012: R+34.9 2008: R+27.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -15.59%
• Current HPI: 282.5139
• Rent YoY: —
• Metro: —
• 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

-6.7% since first listed

10 events — show timeline

• 2026-04-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-17 Price Changed $210,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-20 Listed $220,000 Stellar MLS as Distributed by MLS Grid
• 2023-10-31 Sold (MLS) $240,845 Stellar MLS as Distributed by MLS Grid
• 2023-09-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-06-30 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-05-31 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-04-25 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-04-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-03-10 Listed $225,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+22.0%/yr

Latest (2025): $553 · -21.2% YoY. Source: county tax records.