5716 Lakeside Landings Blvd · Winter Haven, FL 33881

$249,000

4 bd · 2.0 ba · 1,748 sqft · SingleFamily public records · 38 Days on market

Built 2018 5,998 sqft lot $12/mo HOA · 1% of rent

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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 +12.7/30.0
• ARV discount +7.5/15.0
• 1% rule +3.9/10.0
• DSCR +3.8/10.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this newer 1 Story home! This 4-bedroom, 2-bath home offers 1,748 square feet of comfortable living space with an open-concept layout designed for both everyday living and entertaining. Enjoy a spacious kitchen overlooking the main living and dining areas, generously sized bedrooms, and a private primary suite with ample closet space and an en-suite bath. Natural light flows throughout the home, creating a warm and inviting atmosphere, while the outdoor space provides room to relax or entertain. Conveniently located near shopping, dining, schools, and major roadways, this home offers both comfort and convenience in a desirable community. This home is ready to be converted into y

Key facts

• 5,998 sq ft lot
• 2 garage spots
• Community pool

Property features AI

Finance

• Other: Total living area 1,748 (public records)
• Financial info: Lease restrictions apply
• HOA & community: HOA: Artemis Lifestyles; Monthly HOA fee of $12.25 (annually $147); HOA includes pool; Community playground; Pets allowed

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected
• Home design: Single family residence; One story; Faces northwest
• Construction: Block construction; Shingle roof; Slab foundation; Built on slab
• Exterior features: Other exterior features; Paved road access

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $249k.

Deal economics

• At list price, monthly cash flow is $-30 ($-355/yr) — negative.
• To cash-flow at today's rent, offer at most $244k (2.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $222k (10.9% below list).
• Recommended offer: $222k (10.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 74/100 on livability (#291 in FL, #4,898 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: employment C-, 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.
• Zoned schools: Fred G. Garner Elementary School (math 29% / reading 31%, grade F, #1,882 of 2,144 statewide, top 88%, 901 students, 62% FRL); Winter Haven Senior High School (math 26% / reading 38%, grade F, #415 of 667 statewide, top 63%, 2,467 students, 50% FRL) — zoned schools at 56% FRL track the district average.
• Market conditions: Rents rising (+2.1%/yr); 491 active listings in the ZIP; 5 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).
• At $2,219/mo this rent would consume 47% of the median local household income ($57k/yr) (locally 1270% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k 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 38 days — a 3% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 8y 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→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $221,919 (10.9% 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 38 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.89% ✗
• Cap rate: 6.15%
• Cash-on-cash: -0.51%
• DSCR: 0.98
• GRM: 9.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.1% rent growth · sell at horizon

5-year hold

• IRR: -18.2%
• Equity multiple: 0.37×
• Total profit: $-44,151
• Equity at exit: $37,127

10-year hold

• IRR: -12.3%
• Equity multiple: 0.30×
• Total profit: $-48,606
• Equity at exit: $21,529

Cash invested: $69,720 (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 33881

• Home prices YoY: -24.3%
• Rents YoY: 2.1%
• Active inventory: 491
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,219 high
• Mortgage (P&I): −$1,306
• Tax from tax record: −$361 /mo · $4,334/yr
• Insurance: −$104
• HOA: −$12
• Vacancy / Maint / Mgmt: −$466
• Net cashflow: $-30

Break-even live

Break-even rent $2,257

Max offer price $243,779

Occupancy floor 96%

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: $62,250
• Closing costs: $7,470
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
877 Cambridge Dr Winter Haven, FL	4.0	2.0	1840	$1,875	$1.02	23d	1	1.07mi
265 Meadowbrook Blvd Winter Haven, FL	3.0	2.0	1426	$2,200	$1.54	3d	1	1.13mi
241 Meadowbrook Blvd Winter Haven, FL	3.0	2.0	1725	$2,000	$1.16	14d	1	1.19mi
213 Lake Lucerne Way Winter Haven, FL	4.0	2.0	1717	$1,900	$1.11	12d	1	1.36mi
4955 Old Lucerne Park Rd Winter Haven, FL	3.0	2.0	1609	$2,050	$1.27	23d	1	1.41mi

HOA detail

• Monthly dues: $12 · $144/yr

Listing history 30 events

1. 2026-06-18
   days on market $249,000 Active 38 DOM
2. 2026-06-17
   days on market $249,000 Active 37 DOM
3. 2026-06-16
   days on market $249,000 Active 36 DOM
4. 2026-06-15
   days on market $249,000 Active 35 DOM
5. 2026-06-13
   days on market $249,000 Active 33 DOM
6. 2026-06-10
   days on market $249,000 Active 30 DOM
7. 2026-06-09
   days on market $249,000 Active 29 DOM
8. 2026-06-08
   days on market $249,000 Active 28 DOM
9. 2026-06-07
   days on market $249,000 Active 27 DOM
10. 2026-06-05
    days on market $249,000 Active 24 DOM
11. 2026-06-03
    days on market $249,000 Active 23 DOM
12. 2026-06-03
    days on market $249,000 Active 22 DOM
13. 2026-06-01
    days on market $249,000 Active 21 DOM
14. 2026-05-31
    days on market $249,000 Active 20 DOM
15. 2026-05-12
    listed $249,000 Active
16. 2025-10-06
    status Pending
17. 2025-10-05
    historical
18. 2025-09-30
    price $240,000
19. 2025-09-15
    status Active
20. 2025-08-11
    status Pending
21. 2025-08-09
    status Active
22. 2025-07-07
    price $260,000
23. 2025-04-24
    price $280,000
24. 2025-02-15
    status Active
25. 2024-11-26
    status Pending
26. 2024-10-09
    price $299,000
27. 2024-08-22
    listed $305,000 Active
28. 2018-05-20
    listed $207,900
29. 2015-12-29
    soldstatus $4,736,000
30. 2009-01-07
    soldstatus $1,280,000

ⓘ 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: $4,334 · $361/mo
• Projected year-2 tax: $4,334 · $361/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 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: $26,630
• − Mortgage interest: −$13,948
• − Property taxes: −$4,334
• − Insurance: −$1,245
• − Repairs & maintenance: −$2,130
• − Management: −$2,130
• − HOA: −$144
• − Depreciation: −$7,244
• Taxable loss: −$4,545
• Est. tax savings @ 24.0%: +$1,091
• After-tax cash flow: $736/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 — Winter Haven

• Score: 74/100
• State rank: #291
• US rank: #4898

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Winter Haven, FL
• County: Polk County · 740,051 people
• City population: 121,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 40,808
• Household income: $57,024
• Rent vs Own: 28.2% rent · 71.8% own
• Severe rent burden: 1270.0

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 0.68)
• Race & ethnicity: White 44% Black 27% Hispanic / Latino 25% Two or more races 15%
• Hispanic origin (detail): Mexican 4% Puerto Rican 12% Cuban 1%
• Common ancestry: Hispanic 5% Slovak 1% Italian 1%
• Foreign-born: 15% · Canada, Jamaica
• Languages at home: 73% English-only · Spanish 20% French/Haitian/Cajun 6%

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: ▼ -88.95%
• Current HPI: 277.0597
• Rent YoY: ▲ 2.10%
• 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

-80.5% since first listed

16 events — show timeline

• 2026-05-12 Listed $249,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-10-05 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-09-30 Price Changed $240,000 Stellar MLS as Distributed by MLS Grid
• 2025-09-15 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-08-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-08-09 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-07-07 Price Changed $260,000 Stellar MLS as Distributed by MLS Grid
• 2025-04-24 Price Changed $280,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-15 Relisted — Stellar MLS as Distributed by MLS Grid
• 2024-11-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-10-09 Price Changed $299,000 Stellar MLS as Distributed by MLS Grid
• 2024-08-22 Listed $305,000 Stellar MLS as Distributed by MLS Grid
• 2018-05-20 Listed $207,900 Stellar MLS as Distributed by MLS Grid
• 2015-12-29 Sold (Public Records) $4,736,000 Public Records
• 2009-01-07 Sold (Public Records) $1,280,000 Public Records

Property tax history

+25.7%/yr

Latest (2025): $4,334 · +7.9% YoY. Source: county tax records.