13810 Messina Loop #203 · Lakewood Ranch, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 29 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
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
- Schools +6.9/10.0
- Condition / age +4.0/5.0
- 1% rule +3.7/10.0
- Livability +2.5/5.0
- Cash flow +2.2/30.0
- Rent growth +1.2/5.0
- DSCR +0.0/10.0
- Appreciation +0.0/10.0
$345,000
13810 Messina Loop #203 · Lakewood Ranch, FL 34211
2 bd · 2.0 ba · 1,528 sqft · Condo
public records
· 85 Days on market
Built 2020
1-car garage
$226/sqft
· 21% below area
Est $438k · 21% under
$1340/mo HOA · 45% of rent
↓ 8% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
MAJOR PRICE IMPROVEMENT!!!!!!!! Experience elevated, resort-style living at its finest in Esplanade with this second floor GOLF-DEEDED condo—where luxury meets lifestyle. This beautifully upgraded residence showcases a designer kitchen with QUARTZ countertops, stylish backsplash, a new stainless steel sink, and a newer dishwasher—all complemented by elegant crown molding throughout. The primary suite has been thoughtfully enhanced with NEW CERAMIC TILE FLOORING adding a fresh, modern touch.
Key facts
- Designer kitchen
- Quartz countertops
- Newer dishwasher
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 2-bed/2.0-bath condo listed at $345k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-1k ($-15k/yr) — negative.
- To cash-flow at today's rent, offer at most $126k (63.4% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $299k (13.3% below list).
- Recommended offer: $126k (63.4% below list) — sets the bar for cash-flow.
- Cap rate 2.0% vs local median 2.9% in Lakewood Ranch — below-typical yield; the buyer is paying a premium for something (appreciation thesis, condition, location) that the cap rate doesn't capture.
Location & tenants
- Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
- Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: B.D. Gullett Elementary School (math 78% / reading 73%, grade A, #211 of 2,144 statewide, top 10%, 1,121 students, 20% FRL); R. Dan Nolan Middle School (math 79% / reading 72%, grade A, #38 of 571 statewide, top 7%, 760 students, 28% FRL); Lakewood Ranch High School (math 47% / reading 63%, grade C, #135 of 667 statewide, top 20%, 2,435 students, 22% FRL) — zoned schools average 23% FRL vs 51% district-wide (27 pts lower); this property's tenant base skews higher-income than the district average.
- Zoned-school proficiency averages 69% at this address vs 52% district-wide (+17 pts) — the actual schools serving this property are materially stronger than the Manatee average implies; a family-tenant draw the district grade alone would hide.
- Market conditions: Rents falling (-5.2%/yr); 1554 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 88d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 68% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
- Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 85 days — a 6% lower offer ($324k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: HOA is 45% of rent.
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer
$126,133
(63.4% below list)
Questions for the listing agent
- 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?
- It's been on market 85 days. Have you received any prior offers? Is the seller open to a 63% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 0.87% ✗
- Cap rate
- 1.98%
- Cash-on-cash
- -15.39%
- DSCR
- 0.32
- GRM
- 9.6
CMA / ARV
- ARV (median comp)
- $437,593
- List price
- $345,000
- Delta
- -21.16%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 13916 Messina Loop | 0.18mi | 2/2.0 | 1,838 (+20%) | 0mo | $699,000 | $380 | 66 |
| 12660 Sorrento Way #204 | 1.12mi | 2/2.0 | 1,528 (0%) | 0mo | $350,000 | $229 | 65 |
| 15665 Sacile Ln | 1.39mi | 2/2.0 | 1,558 (+2%) | 1mo | $420,000 | $270 | 61 |
| 15308 Sunny Day Dr | 0.89mi | 2/2.0 | 1,564 (+2%) | 0mo | $327,000 | $209 | 61 |
| 12303 Tall Pines Way | 1.49mi | 3/2.0 (+1) | 1,536 (+0%) | 1mo | $420,000 | $273 | 58 |
| 5126 Savona Run | 0.78mi | 2/2.0 | 1,692 (+11%) | 1mo | $445,000 | $263 | 46 |
| 12356 Trailhead Dr | 1.24mi | 3/2.5 (+1) | 1,653 (+8%) | 0mo | $310,000 | $188 | 44 |
| 14228 Lilac Sky Ter | 0.69mi | 3/2.5 (+1) | 1,352 (-12%) | 0mo | $255,000 | $189 | 42 |
| 12848 Del Corso Loop | 0.77mi | 2/2.0 | 1,895 (+24%) | 0mo | $567,000 | $299 | 40 |
| 11956 Sky Acres Ter | 1.45mi | 3/2.5 (+1) | 1,747 (+14%) | 1mo | $330,000 | $189 | 33 |
| 15148 Lyla Ter | 0.79mi | 3/2.5 (+1) | 1,887 (+24%) | 0mo | $323,000 | $171 | 33 |
| 5105 Marina Basin Ct | 1.24mi | 3/3.0 (+1) | 1,840 (+20%) | 0mo | $630,000 | $342 | 31 |
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
- -52.0%
- Equity multiple
- -0.48×
- Total profit
- $-142,790
- Equity at exit
- $51,441
10-year hold
- IRR
- —
- Equity multiple
- -1.66×
- Total profit
- $-256,614
- Equity at exit
- $29,829
Cash invested: $96,600 (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.
ZIP-level market 34211
- Home prices YoY
- -27.5%
- Rents YoY
- -5.2%
- Active inventory
- 1554
- Price-to-rent
- 9.6×
Monthly cashflow live
↻
- Estimated rent
- $2,993 high interval (Pro) →
- Mortgage (P&I)
- −$1,809
- Tax from tax record
- −$310 /mo · $3,721/yr
- Insurance
- −$144
- HOA
- −$1,340
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$628
- Net cashflow
- $-1,239
Break-even live
Break-even rent
$4,561
Max offer price
$126,133
Occupancy floor
—
Sensitivity live
| Price | -10% $-1,044 | -5% $-1,141 | +0% $-1,239 | +5% $-1,337 | +10% $-1,434 |
|---|---|---|---|---|---|
| Rent | -10% $-1,475 | -5% $-1,357 | +0% $-1,239 | +5% $-1,121 | +10% $-1,003 |
| Rate | -1.0pp $-1,065 | -0.5pp $-1,151 | base $-1,239 | +0.5pp $-1,328 | +1.0pp $-1,419 |
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
- $86,250
- Closing costs
- $10,350
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 13823 Messina Loop #203 Bradenton, FL | 2.0 | 2.0 | 1528 | $2,700 | $1.77 | 9d | 1 | 0.04mi |
| 13737 Messina Loop Bradenton, FL | 2.0 | 2.0 | 1528 | $4,750 | $3.11 | 65d | 1 | 0.07mi |
| 13732 Messina Loop #201 Bradenton, FL | 2.0 | 2.0 | 1528 | $2,775 | $1.82 | 111d | 1 | 0.09mi |
| 13725 Messina Loop #201 Bradenton, FL | 2.0 | 2.0 | 1528 | $2,900 | $1.90 | 119d | 1 | 0.10mi |
| 13711 Messina Loop #203 Bradenton, FL | 2.0 | 2.0 | 1528 | $3,200 | $2.09 | 111d | 1 | 0.16mi |
| 13711 Messina Loop #104 Bradenton, FL | 2.0 | 2.0 | 1528 | $5,600 | $3.66 | 9d | 1 | 0.16mi |
| 13710 Messina Loop #203 Bradenton, FL | 2.0 | 2.0 | 1528 | $3,200 | $2.09 | 119d | 1 | 0.19mi |
| 13703 Messina Loop #102 Bradenton, FL | 2.0 | 2.0 | 1528 | $2,750 | $1.80 | 119d | 1 | 0.19mi |
| 13720 Messina Loop Bradenton, FL | 2.0 | 2.0 | 1528 | $4,500 | $2.95 | 9d | 2 | 0.20mi |
| 13605 Messina Loop #104 Bradenton, FL | 2.0 | 2.0 | 1528 | $4,400 | $2.88 | 115d | 1 | 0.24mi |
| 13605 Messina Loop #104 Bradenton, FL | 2.0 | 2.0 | 1632 | $2,200 | $1.35 | 9d | 1 | 0.24mi |
| 13605 Messina Loop Bradenton, FL | 2.0 | 2.0 | 1528 | $3,450 | $2.26 | 119d | 2 | 0.24mi |
| 13604 Messina Loop #103 Bradenton, FL | 2.0 | 2.0 | 1528 | $6,500 | $4.25 | 80d | 1 | 0.26mi |
| 13241 Torresina Ter Bradenton, FL | 3.0 | 2.0 | 1920 | $3,900 | $2.03 | 82d | 1 | 0.48mi |
| 14318 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1350 | $3,100 | $2.30 | 9d | 1 | 0.67mi |
| 14322 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1347 | $2,295 | $1.70 | 0d | 1 | 0.67mi |
| 14776 Lyla Ter Bradenton, FL | 3.0 | 2.5 | 1879 | $4,500 | $2.39 | 119d | 1 | 0.67mi |
| 14165 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1405 | $3,000 | $2.14 | 5d | 1 | 0.69mi |
| 14072 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1347 | $2,290 | $1.70 | 119d | 1 | 0.69mi |
| 14068 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1347 | $2,200 | $1.63 | 9d | 1 | 0.69mi |
| 14775 Lyla Ter Bradenton, FL | 3.0 | 2.5 | 1879 | $2,600 | $1.38 | 115d | 1 | 0.69mi |
| 15016 Misty Water Xing Unit NA Bradenton, FL | 3.0 | 3.0 | 1849 | $3,195 | $1.73 | 93d | 1 | 0.69mi |
| 14060 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1347 | $2,195 | $1.63 | 9d | 1 | 0.69mi |
| 14424 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1405 | $2,295 | $1.63 | 62d | 1 | 0.70mi |
| 14052 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1405 | $2,395 | $1.70 | 111d | 1 | 0.70mi |
| 14052 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1405 | $2,395 | $1.70 | 9d | 1 | 0.70mi |
| 14428 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1347 | $2,300 | $1.71 | 117d | 1 | 0.70mi |
| 14432 Lilac Sky Ter Unit Main Bradenton, FL | 3.0 | 2.0 | 1567 | $2,200 | $1.40 | 88d | 1 | 0.70mi |
| 14432 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1414 | $2,400 | $1.70 | 9d | 1 | 0.70mi |
| 14736 Lyla Ter Bradenton, FL | 3.0 | 2.5 | 1700 | $3,000 | $1.76 | 111d | 1 | 0.70mi |
| 14440 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1347 | $1,995 | $1.48 | 115d | 1 | 0.71mi |
| 14087 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1352 | $2,250 | $1.66 | 78d | 1 | 0.71mi |
| 14753 Lyla Ter Bradenton, FL | 3.0 | 2.5 | 1879 | $2,600 | $1.38 | 106d | 1 | 0.71mi |
| 14448 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1352 | $2,245 | $1.66 | 78d | 1 | 0.71mi |
| 14448 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1352 | $2,197 | $1.62 | 74d | 1 | 0.71mi |
| 14452 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1405 | $2,295 | $1.63 | 119d | 1 | 0.71mi |
| 15035 Sunny Day Dr Bradenton, FL | 3.0 | 2.5 | 1880 | $2,950 | $1.57 | 119d | 1 | 0.72mi |
| 14527 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1414 | $2,000 | $1.41 | 9d | 1 | 0.72mi |
| 14523 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1414 | $2,250 | $1.59 | 9d | 1 | 0.72mi |
| 14423 Lilac Sky Ter Bradenton, FL | 3.0 | 2.5 | 1347 | $2,200 | $1.63 | 119d | 1 | 0.72mi |
Property features AI
Finance
- Other
- Pets allowed (cats and dogs) with breed/size restrictions
- Financial info
- Total monthly fees approximately $1,340.08Total annual fees approximately $16,081Lease restrictions apply
- HOA & community
- HOA (Travis Hill) required with association approvalMonthly HOA approximately $771.75Quarterly association fee about $2,315.25Quarterly condo fee amount $493 (condo fees listed as $1,480 quarterly)Association fee includes common area taxes, pool, escrow reserves, structure and grounds maintenance, management, pest control, recreational facilities, security, sewer, trash and waterCommunity amenities: clubhouse, fitness center, pool, spa/hot tub, tennis and pickleball courts, playground, dog park, trails, sidewalks, park, recreation facilities, golf, golf cart friendly, community mailbox, deed restrictions, wheelchair access, irrigation (reclaimed water)
Exterior
- Parking
- DrivewayGarage with garage door openerGround-level parking1-car garage
- Security
- Gated community
- Utilities
- Public waterPublic sewerElectricity connectedCable connectedWater connected
- Home design
- CondominiumOne storyFaces southeastUnit on 2nd floor
- Construction
- Concrete and stucco constructionTile roofSlab foundationBuilt by Taylor Morrison (Vercelli VII model)
- Exterior features
- Covered, enclosed and screened patio/porchFront porchPatioBalconySliding doorsExterior lightingStorage
Interior
- Kitchen
- DishwasherDisposalMicrowaveRangeRefrigeratorEat-in kitchen
- Bedrooms
- 2 bedrooms
- Flooring
- Ceramic tileHardwood
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Electric heatingCentral air
- Interior features
- Cathedral ceilingsCeiling fansCrown moldingEat-in kitchenLiving room/dining room comboOpen floorplanSolid surface countersStone countersThermostatWalk-in closetsWindow treatmentsBlinds
- Laundry & utility
- Inside laundry roomWasherDryerElectric water heater
HOA detail $1,340/mo · $16,080/yr condo
- Assessments
- None detected in remarks — confirm with the listing agent.
Listing history 46 events
-
2026-07-31days on market $345,000 Active 85 DOM
-
2026-07-30days on market $345,000 Active 83 DOM
-
2026-07-28days on market $345,000 Active 82 DOM
-
2026-07-24days on market $345,000 Active 78 DOM
-
2026-07-23days on market $345,000 Active 77 DOM
-
2026-07-22days on market $345,000 Active 76 DOM
-
2026-07-21days on market $345,000 Active 75 DOM
-
2026-07-18days on market $345,000 Active 72 DOM
-
2026-07-18days on market $345,000 Active 71 DOM
-
2026-07-16days on market $345,000 Active 70 DOM
-
2026-07-15days on market $345,000 Active 69 DOM
-
2026-07-14days on market $345,000 Active 68 DOM
-
2026-07-13days on market $345,000 Active 67 DOM
-
2026-07-13days on market $345,000 Active 66 DOM
-
2026-07-11days on market $345,000 Active 65 DOM
-
2026-07-10days on market $345,000 Active 64 DOM
-
2026-07-09days on market $345,000 Active 63 DOM
-
2026-07-07days on market $345,000 Active 61 DOM
-
2026-07-06days on market $345,000 Active 60 DOM
-
2026-07-05days on market $345,000 Active 59 DOM
-
2026-07-03days on market $345,000 Active 57 DOM
-
2026-07-02days on market $345,000 Active 56 DOM
-
2026-07-01days on market $345,000 Active 55 DOM
-
2026-06-30days on market $345,000 Active 54 DOM
-
2026-06-29days on market $345,000 Active 53 DOM
-
2026-06-28days on market $345,000 Active 52 DOM
-
2026-06-27days on market $345,000 Active 51 DOM
-
2026-06-27days on market $345,000 Active 50 DOM
-
2026-06-25days on market $345,000 Active 48 DOM
-
2026-06-22days on market $345,000 Active 46 DOM
-
2026-06-22days on market $345,000 Active 45 DOM
-
2026-06-18days on market $345,000 Active 42 DOM
-
2026-06-17days on market $345,000 Active 41 DOM
-
2026-06-16days on market $345,000 Active 40 DOM
-
2026-06-15days on market $345,000 Active 39 DOM
-
2026-06-13days on market $345,000 Active 37 DOM
-
2026-06-13days on market $345,000 Active 36 DOM
-
2026-06-10days on market $345,000 Active 34 DOM
-
2026-06-09days on market $345,000 Active 33 DOM
-
2026-06-08days on market $345,000 Active 32 DOM
-
2026-06-08days on market $345,000 Active 31 DOM
-
2026-06-03days on market $345,000 Active 27 DOM
-
2026-06-02days on market $345,000 Active 26 DOM
-
2026-06-01days on market $345,000 Active 25 DOM
-
2026-05-31days on market $345,000 Active 24 DOM
-
2026-05-07$375,000 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
- $3,721 · $310/mo
- Projected year-2 tax
- $3,721 · $310/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 10/10 Extreme 7 d/yr ≥108°F today · 29 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $35,910
- − Mortgage interest
- −$19,325
- − Property taxes
- −$3,721
- − Insurance
- −$1,725
- − Repairs & maintenance
- −$2,873
- − Management
- −$2,873
- − HOA
- −$16,080
- − Depreciation
- −$10,036
- Taxable loss
- −$20,723
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$4,974
- After-tax cash flow
- $-9,894/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
80/100
Cosmetic rehab
Est. rehab $7,640–$22,920 screening
This second-floor golf-deeded condo is in good condition with a designer kitchen and two full bathrooms. It offers a good ROI with minor cosmetic updates to enhance curb appeal and resale value.
Value-add opportunities
- Both Paint exterior trim — Enhances curb appeal and resale value. ↑
- Both Clean gutters — Improves drainage and prevents water damage ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
C
Composite school gradezoned avg 69/100
Zoned Schools
Elementary
B.d. Gullett Elementary School
A
FL #211/2,144
Nat'l #2,011/41,679
Middle
R. Dan Nolan Middle School
A
FL #38/571
Nat'l #472/14,009
High
Lakewood Ranch High School
C
FL #135/667
Nat'l #4,413/17,239
Schools (NCES district)
- District
- Manatee
- NCES district ID
- 1201230
- Math proficiency
- 54% ▼ -6.00%
- Reading proficiency
- 50% ▼ -2.00%
- Median HH income
- $49,607
- Composite
- 44.43/100
- National rank
- #2806
- State rank
- #26 of 73 in FL
Livability — Lakewood Ranch
No livability data for this city. (Only ~50 U.S. cities are tracked.)
Census & demographics
- Census place
- Lakewood Ranch, FL
- County
- Manatee County · 447,342 people
- City population
- 52,177
- Metro
- North Port-Sarasota-Bradenton, FL
- Population (ZIP)
- 24,980
- Household income
- $119,911
- Rent vs Own
- Severe rent burden
- 10% of renters
Population outlook (Manatee County) Hauer SSP2
- Today (2025)
- 447,342 people
- By 2030
- 488,911 · +9.3%
- By 2040
- 567,934 · +27.0%
- By 2050
- 637,995 · +42.6%
- By 2075
- 781,970 · +74.8%
- By 2100
- 848,272 · +89.6%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (81%)
- Race & ethnicity
- White 81% Hispanic / Latino 11% Two or more races 10% Asian 3% Black 2% Native American 2%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 3% Cuban 3%
- Common ancestry
- Lithuanian 5% Romanian 3% Scotch-Irish 2%
- Foreign-born
- 16% · Canada, Jamaica, China
- Languages at home
- 81% English-only · Spanish 10% Other Indo-European 3% Russian/Polish/Slavic 2%
Political lean MEDSL · Manatee
- 2024 margin
- Strong R (+23.5) · D 37.9% · R 61.4%
- 2008→2024 swing
- -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
- All cycles
- 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -100.84%
- Current HPI
- 265.946
- Rent YoY
- ▼ -5.17%
- Metro
- North Port-Sarasota-Bradenton, 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
-8.0% since first listed2 events — show timeline
- 2026-05-24 Price Changed $345,000 Stellar MLS as Distributed by MLS Grid
- 2026-05-07 Listed $375,000 Stellar MLS as Distributed by MLS Grid
Property tax history
+26.9%/yrLatest (2025): $3,721 · +2.5% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…