248 W Towerview Dr · Haines City, FL 33844

$5,000

4 bd · 2.0 ba · 2,093 sqft · SingleFamily public records · 7 Days on market

Built 2006

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

OWNER PAID CLOSING COST OWN IT FOR UNDER 5K TOTAL INITIAL INVESTMENT if you qualify for USDA loan, drive by the house and Call today! Welcome to the home of your dreams! You will instantly be greeted with an elegantly designed front porch including plenty of space for a patio set to enjoy your morning coffee. Walking into the home, you will find a 4-bedroom/2-bathroom floor plan with tile in all main areas, carpet in the bedrooms and ceiling fans in every room. The large and spacious family room includes a stone accent wall sure to take your breath away. The kitchen includes sleek black matching appliances, stainless steel double sink, and an extended eat-in breakfast counter to entertain all your guests. Your master bath will include a walk-in closet and your own personal bathroom including a double sink and a separate shower/tub combo to choose your relaxation adventure. The best part of it all is an enclosed screen back porch to enjoy the beautiful summers without those pesky mosquitos, owner had a pool table and patio furniture, plenty of space. With an OVERSIZED two-car garage that extends to an additional space inside the garage. Beautiful paver driveway, 5 min away to Walmart, Publix one mile away, Lowes is half a mile away. This home is ready to be yours. Come and see today!

Key facts

• 2 garage spots
• Listed 6 days

Property features AI

Exterior

• Parking: 2-car garage
• Home design: Residential property; 1 story
• Exterior features: 0.14 acre lot; Directions: From I-4 W, take Exit 55 toward Highway 27 S. Left on Bates Road, left on Towerview Lane, second left onto Towerview Drive W; home is on the left.

Interior

• Bathrooms: 2 full bathrooms
• Interior features: Single-story layout

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $2k ($22k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $5k).

Location & tenants

• Location reads 74/100 on livability (#285 in FL, #4,575 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D, amenities F, commute 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 (+1.2%/yr); 1333 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 45% of the median local income ($64k/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 $35 of loan paydown is wiped out by about $150 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.
• At projected returns (-3.0% appreciation + 1.2% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 8 sale attempts since 19y 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 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $5,000

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
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: 47.43% ✓
• Cap rate: 447.61%
• Cash-on-cash: 1576.13%
• DSCR: 71.13
• GRM: 0.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.16% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 81.02×
• Total profit: $112,029
• Equity at exit: $746

10-year hold

• IRR: —
• Equity multiple: 166.32×
• Total profit: $231,453
• Equity at exit: $432

Cash invested: $1,400 (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 33844

• Home prices YoY: -26.7%
• Rents YoY: 1.2%
• Active inventory: 1333
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $2,371 high
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• HOA: −$0
• Vacancy / Maint / Mgmt: −$498
• Net cashflow: $1,839

Break-even live

Break-even rent $44

Max offer price $5,000

Occupancy floor 17%

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: $1,250
• Closing costs: $150
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
221 Towerview Dr E Haines City, FL	4.0	3.0	2093	$2,200	$1.05	3d	1	0.16mi
4466 Hummingbird Ln Haines City, FL	4.0	2.0	1547	$2,200	$1.42	3d	1	0.29mi
566 Pawnee Ct Haines City, FL	3.0	2.0	1505	$1,995	$1.33	23d	1	0.30mi
487 Eaglecrest Dr Haines City, FL	3.0	2.0	1414	$2,150	$1.52	23d	1	0.33mi
849 Sheen Cir Haines City, FL	3.0	2.0	1769	$1,850	$1.05	23d	1	0.36mi
531 Stonewall Ave Haines City, FL	4.0	2.0	2014	$2,080	$1.03	23d	1	0.38mi
250 Sandestin Dr Haines City, FL	3.0	2.0	1959	$2,026	$1.03	14d	1	0.45mi
522 Pentas Ln Haines City, FL	4.0	2.0	1749	$2,200	$1.26	23d	1	0.47mi
425 Hammerstone Ave Haines City, FL	3.0	2.0	1443	$1,796	$1.24	14d	1	0.48mi
142 Minniehaha Cir Haines City, FL	5.0	3.0	2696	$3,400	$1.26	23d	1	0.49mi
2361 Sanderling St Haines City, FL	4.0	2.0	2113	$2,079	$0.98	3d	1	0.53mi
3087 Barbados Ln Haines City, FL	4.0	3.0	1546	$2,500	$1.62	14d	1	0.55mi
2380 Sanderling St Haines City, FL	4.0	2.0	1694	$2,300	$1.36	23d	1	0.56mi
666 Persian Dr Haines City, FL	3.0	2.0	1572	$2,000	$1.27	23d	1	0.56mi
2984 Kokomo Loop Haines City, FL	4.0	3.0	1728	$3,900	$2.26	23d	1	0.64mi
1125 Saguaro St Haines City, FL	4.0	3.0	2080	$2,000	$0.96	10d	1	0.71mi
546 Pineloch Dr Haines City, FL	4.0	3.0	1957	$2,295	$1.17	3d	1	0.71mi
2487 Saint Augustine Blvd Haines City, FL	3.0	2.5	1626	$2,000	$1.23	23d	1	0.73mi
2628 Hemingway Ave Haines City, FL	4.0	3.0	1637	$2,200	$1.34	14d	1	0.74mi
1125 Avenue L Unit L Haines City, FL	3.0	2.0	1496	$2,300	$1.54	23d	1	0.84mi
2301 Paulette Dr Haines City, FL	3.0	2.0	1562	$2,150	$1.38	19d	1	0.86mi
481 Earheart Dr Davenport, FL	4.0	2.0	1938	$2,126	$1.10	14d	1	0.95mi
401 Savannah Preserve Loop Davenport, FL	4.0	2.0	1966	$2,050	$1.04	23d	1	0.97mi
250 Highland Meadows Ct Davenport, FL	3.0	2.0	1527	$1,999	$1.31	23d	1	0.99mi
646 Lindbergh Way Davenport, FL	3.0	2.0	1407	$1,836	$1.30	3d	1	0.99mi
445 Earheart Dr Davenport, FL	4.0	2.0	2110	$2,036	$0.96	3d	1	1.02mi
2393 Paulette Dr Haines City, FL	3.0	2.0	1546	$1,875	$1.21	3d	1	1.03mi
422 Earheart Dr Davenport, FL	4.0	2.0	2110	$2,001	$0.95	14d	1	1.04mi
607 Lindbergh Way Davenport, FL	3.0	2.0	1407	$1,851	$1.32	3d	1	1.05mi
384 Guadlupe St Haines City, FL	4.0	3.0	1978	$2,295	$1.16	23d	1	1.09mi
575 Tortugas St Haines City, FL	5.0	3.0	2696	$2,700	$1.00	14d	1	1.12mi
2057 Barroso ST Davenport, FL	3.0	2.5	1465	$2,100	$1.43	23d	1	1.13mi
1115 Mariner Cay Dr Haines City, FL	4.0	3.0	1644	$2,200	$1.34	23d	1	1.21mi
2507 Matterhorn Trl Davenport, FL	4.0	3.5	2290	$3,000	$1.31	23d	1	1.25mi
670 Highland Meadows St Davenport, FL	3.0	2.0	1576	$2,350	$1.49	23d	1	1.29mi
2442 Matterhorn Trl Davenport, FL	4.0	2.5	2029	$2,400	$1.18	23d	1	1.30mi
1016 Gotts Rd Davenport, FL	3.0	2.5	2096	$2,150	$1.03	23d	1	1.33mi
1387 Mountain Flower Ln Davenport, FL	4.0	2.0	1698	$2,300	$1.35	23d	1	1.41mi
1391 Mountain Flower Ln Davenport, FL	4.0	2.0	1855	$2,400	$1.29	23d	1	1.41mi
584 Disa Dr Davenport, FL	4.0	2.0	1767	$2,200	$1.25	3d	1	1.42mi

Listing history 5 events

1. 2026-06-15
   days on market $5,000 Active 7 DOM
2. 2026-06-13
   days on market $5,000 Active 5 DOM
3. 2026-06-10
   days on market $5,000 Active 2 DOM
4. 2026-06-08
   remarks 318-char remark
5. 2026-06-08
   listed $5,000 Active 1 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 X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 8/10 Severe 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 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $28,456
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$25
• − Repairs & maintenance: −$2,276
• − Management: −$2,276
• − Depreciation: −$145
• Taxable income: $23,378
• Est. tax owed @ 24.0%: −$5,611
• After-tax cash flow: $16,455/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 — Haines City

• Score: 74/100
• State rank: #285
• US rank: #4575

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Haines City, FL
• County: Polk County · 740,051 people
• City population: 51,255
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 51,255
• Household income: $63,650
• Rent vs Own: 29.6% rent · 70.4% own
• Severe rent burden: 1107.0

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 0.64)
• Race & ethnicity: Hispanic / Latino 48% White 31% Black 18% Two or more races 12% Asian 1%
• Hispanic origin (detail): Mexican 19% Puerto Rican 19% Cuban 1% Dominican 3%
• Common ancestry: Hispanic 4% Lithuanian 1% Romanian 1%
• Foreign-born: 15% · Canada, Jamaica, Guatemala
• Languages at home: 55% English-only · Spanish 39% French/Haitian/Cajun 4% Other Indo-European 0%

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: ▼ -105.94%
• Current HPI: 291.0798
• Rent YoY: ▲ 1.16%
• 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

-98.3% since first listed

27 events — show timeline

• 2026-06-08 Listed $5,000 NFMLS
• 2023-08-03 Rental Removed — STELLARMLS
• 2023-06-13 Sold (Public Records) $330,000 Public Records
• 2023-06-05 Sold (MLS) $330,000 Stellar MLS as Distributed by MLS Grid
• 2023-03-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-03-06 Price Changed $374,999 Stellar MLS as Distributed by MLS Grid
• 2023-02-16 Price Changed $389,990 Stellar MLS as Distributed by MLS Grid
• 2023-01-31 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-09-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-08-15 Price Changed $389,999 Stellar MLS as Distributed by MLS Grid
• 2022-07-05 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2022-07-02 Listed $399,999 Stellar MLS as Distributed by MLS Grid
• 2022-06-20 Price Changed $382,900 Stellar MLS as Distributed by MLS Grid
• 2022-05-13 Listed $406,900 Stellar MLS as Distributed by MLS Grid
• 2018-09-12 Sold (Public Records) $220,000 Public Records
• 2018-09-04 Sold (MLS) $219,990 Stellar MLS as Distributed by MLS Grid
• 2018-08-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-07-16 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2018-05-22 Price Changed $224,900 Stellar MLS as Distributed by MLS Grid
• 2018-05-22 Relisted — Stellar MLS as Distributed by MLS Grid
• 2018-04-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-03-14 Price Changed $229,900 Stellar MLS as Distributed by MLS Grid
• 2018-02-07 Price Changed $234,900 Stellar MLS as Distributed by MLS Grid
• 2017-12-15 Listed $239,900 Stellar MLS as Distributed by MLS Grid
• 2009-03-20 Sold (MLS) $103,500 Stellar MLS as Distributed by MLS Grid
• 2008-12-01 Listed $108,900 Stellar MLS as Distributed by MLS Grid
• 2007-05-01 Listed $289,755 Stellar MLS as Distributed by MLS Grid

Property tax history

+14.1%/yr

Latest (2025): $5,698 · -5.0% YoY. Source: county tax records.