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26 Adkinson Dr
B+ Composite 75.89
Why this score? — see what drove the B+ 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 +30.0/30.0
  • ARV discount +15.0/15.0
  • DSCR +10.0/10.0
  • 1% rule +9.0/10.0
  • Rent growth +3.5/5.0
  • Livability +3.3/5.0
  • Schools +2.9/10.0
  • Condition / age +2.2/5.0
  • Appreciation +0.0/10.0

$120,000

26 Adkinson Dr · West Pensacola, FL 32506
3 bd · 1.0 ba · 1,416 sqft · SingleFamily public records · 88 Days on market
Built 1956 Fair condition 0.26 ac lot Garage $85/sqft · 48% below area Est $208k · 42% under

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

Tucked away in an established Pensacola neighborhood, this charming home offers a spacious layout, oversized backyard, and endless potential for a buyer looking to make it their own. Situated on a generously sized lot at 26 Adkinson Dr, the property features multiple living spaces, a large detached storage shed, and a one-car garage with ample room for storage, hobbies, or a workshop setup. Inside, you’ll find a bright living area with carpet and an open flow into the kitchen and dining spaces. The kitchen has been refreshed with white cabinetry, updated counters, and stainless appliances while still maintaining the home’s original character.

Key facts

  • Bright living area
  • Oversized backyard
  • Refreshed kitchen

Tags

OVERSIZED BACKYARDDETACHED STORAGE SHEDMULTIPLE LIVING SPACESBRIGHT LIVING AREAREFRESHED KITCHENVINTAGE WOOD PANELING

Neighborhood map

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 3-bed/1.0-bath single-family listed at $120k. Condition is rated fair.

Deal economics

  • At list price, monthly cash flow is $601 ($7k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $120k).
  • Recommended offer: $113k (6.0% below list) — sets the bar for market timing.
  • Cap rate 12.3% vs local median 7.7% in West Pensacola — 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 66/100 on livability (#629 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety B+; Watch: crime D, amenities F, commute F.
  • Escambia (suburban): math 40% / reading 45% proficiency, ranked #56 of 73 in FL (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: West Pensacola Elementary School (math 38% / reading 42%, grade F, #1,491 of 2,144 statewide, top 70%, 459 students, 85% FRL); Warrington Middle School (math 19% / reading 24%, grade F, #553 of 571 statewide, top 97%, 573 students, 87% FRL); Escambia High School (math 19% / reading 29%, grade F, #529 of 667 statewide, top 80%, 1,655 students, 62% FRL) — zoned schools average 78% FRL vs 58% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Zoned-school proficiency averages 28% at this address vs 42% district-wide (-14 pts) — the specific schools serving this property underperform the Escambia average; the district grade overstates school quality for this exact location.
  • Market conditions: Rents rising (+3.9%/yr); 328 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $830 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
  • Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 3.9% rent growth), your $34k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 88 days — a 6% lower offer ($113k) is reasonable based on typical stale-listing flexibility.
  • Current owner paid $35k; list at $120k implies a 244% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1956 — expect roof / HVAC / electrical / plumbing capex.
  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $112,800 (6.0% below list)

Questions for the listing agent

  1. It's been on market 88 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
  3. Built in 1956 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  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 F-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. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  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
1.40%
Cap rate
12.30%
Cash-on-cash
21.45%
DSCR
1.95
GRM
5.9

CMA / ARV

ARV (median comp)
$207,710
List price
$120,000
Delta
-42.23%
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
16 Linda St 0.21mi 3/2.0 1,431 (+1%) 1mo $210,000 $147 84
2 Adkinson Dr 0.18mi 3/1.0 1,548 (+9%) 2mo $252,000 $163 74
5535 Mayfair Cir 0.59mi 3/1.0 1,421 (+0%) 2mo $165,000 $116 70
5236 W Jackson St 0.42mi 3/1.5 1,358 (-4%) 4mo $122,000 $90 68
5911 Lillian Hwy 0.35mi 3/2.0 1,508 (+6%) 3mo $120,000 $80 67
522 S Edgewood Cir 0.58mi 3/1.0 1,355 (-4%) 3mo $208,500 $154 63
6020 W Jackson St 0.48mi 3/2.5 1,320 (-7%) 3mo $156,000 $118 58
3 Teakwood Cir 0.67mi 3/2.0 1,320 (-7%) 0mo $165,500 $125 53
5806 Kendall Ave 0.69mi 3/2.0 1,248 (-12%) 0mo $210,000 $168 44
4915 Tulip Dr 0.62mi 3/2.0 1,229 (-13%) 2mo $186,500 $152 43
530 S Edgewood Cir 0.62mi 4/2.0 (+1) 1,580 (+12%) 3mo $150,000 $95 41
51 N 60th Ave 0.72mi 4/2.0 (+1) 1,544 (+9%) 3mo $300,000 $194 40

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 · 3.85% rent growth · sell at horizon

5-year hold
IRR
14.9%
Equity multiple
1.60×
Total profit
$20,225
Equity at exit
$17,892
10-year hold
IRR
24.2%
Equity multiple
3.17×
Total profit
$72,784
Equity at exit
$10,375

Cash invested: $33,600 (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.
Seller's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
19 active · 28 under contract
Months of supply
2.9 mo (34%/mo absorbed)
Median asking
$200,000 ($145/sqft)
Median days on market
70 d
This list price
5% of active listings are priced below it
ARV vs active asking
+1.3% vs current asking $/sqft

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

ZIP-level market 32506

Home prices YoY
-22.5%
Rents YoY
3.9%
Active inventory
328
Price-to-rent
5.9×

Monthly cashflow live

Estimated rent
$1,683 high interval (Pro) →
Mortgage (P&I)
$629
Tax from tax record
$50 /mo · $597/yr
Insurance
$50
HOA
$0
Vacancy / Maint / Mgmt
$353
Net cashflow
$601

Break-even live

Break-even rent $923
Max offer price $120,000
Occupancy floor 59%

Sensitivity live

Price -10% $669 -5% $635 +0% $601 +5% $567 +10% $533
Rent -10% $468 -5% $534 +0% $601 +5% $667 +10% $734
Rate -1.0pp $661 -0.5pp $631 base $601 +0.5pp $570 +1.0pp $538

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
$30,000
Closing costs
$3,600
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 16 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
4819 State St Pensacola, FL 3.0 2.0 1432 $1,600 $1.12 15d 1 0.50mi
601 N 61st Ave Pensacola, FL 2.0 2.0 964 $1,195 $1.24 15d 1 0.52mi
5501 Mayfair Dr Pensacola, FL 3.0 1.0 912 $1,295 $1.42 72d 1 0.61mi
331 Emory Dr Pensacola, FL 3.0 1.5 1012 $1,375 $1.36 15d 1 0.74mi
316 Teakwood Cir Pensacola, FL 2.0 1.5 1024 $1,350 $1.32 63d 1 0.75mi
4519 Martha Ave Pensacola, FL 3.0 1.0 1104 $1,600 $1.45 72d 1 0.78mi
101 Vanderbilt Rd Pensacola, FL 3.0 2.0 1104 $1,850 $1.68 70d 1 0.95mi
917 N 70th Ave Pensacola, FL 4.0 2.0 1640 $1,675 $1.02 15d 1 0.97mi
4600 Twin Oaks Dr Pensacola, FL 1.0–2.0 1.0 838 $1,499 $1.79 15d 23 0.97mi
2001 N 61st Ave Unit 1354822P Pensacola, FL 1.0–11.0 1.0–6.0 3180 $5,038 $1.58 15d 4 1.08mi
6700 Lake Charlene Dr Pensacola, FL 4.0 2.5 1823 $2,100 $1.15 72d 1 1.21mi
190 N Old Corry Field Rd Pensacola, FL 1.0–3.0 1.0–2.0 1015 $1,499 $1.48 15d 6 1.29mi
7225 W Fairfield Dr Unit F7 Pensacola, FL 2.0 2.0 1050 $1,250 $1.19 15d 1 1.29mi
2217 N 61st Ave Pensacola, FL 3.0 2.0 1458 $2,000 $1.37 15d 1 1.31mi
4106 W Jackson St Pensacola, FL 3.0 2.0 924 $1,400 $1.52 15d 1 1.39mi
89 Garfield Dr Pensacola, FL 2.0 1.0 1273 $1,195 $0.94 15d 1 1.45mi

Property features AI

Finance

Other
Located on a county-maintained road
Financial info
No specific financial details provided
HOA & community
No homeowners association

Exterior

Parking
Attached garage (1 covered garage space, total 1 parking space)
Security
No security features provided
Utilities
Public waterPublic sewerElectric service with circuit breakers and copper wiring
Home design
Single-story homeNot attached to other propertiesResale propertyHomestead eligible
Construction
Block constructionSlab foundation
Exterior features
Interior lotRolled/Hot Mop roof

Interior

Kitchen
Updated kitchen (see photos for details)Gas water heater noted in appliances
Bedrooms
Master bedroom on the first floor (approximately 15 x 15)Second bedroom on the first floor (approximately 10 x 12)Third bedroom on the first floor (approximately 9 x 10)
Flooring
Vinyl flooringCarpet flooring
Bathrooms
One full bathroom
Heating & cooling
Central heatingCentral air conditioningCeiling fan(s)
Interior features
Kitchen/dining comboUpdated kitchen (renovated within last 1–5 years)Vinyl and carpet flooring
Laundry & utility
No laundry details provided

Listing history 50 events

  1. 2026-08-08
    days on market $120,000 Active 88 DOM
  2. 2026-08-07
    days on market $120,000 Active 87 DOM
  3. 2026-08-06
    days on market $120,000 Active 86 DOM
  4. 2026-08-05
    days on market $120,000 Active 85 DOM
  5. 2026-08-04
    days on market $120,000 Active 84 DOM
  6. 2026-08-03
    days on market $120,000 Active 83 DOM
  7. 2026-07-31
    days on market $120,000 Active 80 DOM
  8. 2026-07-30
    days on market $120,000 Active 79 DOM
  9. 2026-07-29
    days on market $120,000 Active 78 DOM
  10. 2026-07-27
    days on market $120,000 Active 76 DOM
  11. 2026-07-25
    pricedays on market $120,000 Active 74 DOM
  12. 2026-07-23
    status $125,000 Active 72 DOM
  13. 2026-07-23
    days on market $125,000 Contingent 72 DOM
  14. 2026-07-22
    days on market $125,000 Contingent 71 DOM
  15. 2026-07-21
    days on market $125,000 Contingent 70 DOM
  16. 2026-07-18
    days on market $125,000 Contingent 67 DOM
  17. 2026-07-16
    days on market $125,000 Contingent 65 DOM
  18. 2026-07-16
    days on market $125,000 Contingent 64 DOM
  19. 2026-07-14
    days on market $125,000 Contingent 63 DOM
  20. 2026-07-14
    days on market $125,000 Contingent 62 DOM
  21. 2026-07-12
    days on market $125,000 Contingent 61 DOM
  22. 2026-07-11
    days on market $125,000 Contingent 60 DOM
  23. 2026-07-10
    days on market $125,000 Contingent 59 DOM
  24. 2026-07-09
    days on market $125,000 Contingent 58 DOM
  25. 2026-07-08
    days on market $125,000 Contingent 57 DOM
  26. 2026-07-07
    days on market $125,000 Contingent 56 DOM
  27. 2026-07-06
    days on market $125,000 Contingent 55 DOM
  28. 2026-07-05
    days on market $125,000 Contingent 54 DOM
  29. 2026-07-04
    days on market $125,000 Contingent 53 DOM
  30. 2026-07-03
    days on market $125,000 Contingent 52 DOM
  31. 2026-07-02
    days on market $125,000 Contingent 51 DOM
  32. 2026-07-01
    days on market $125,000 Contingent 50 DOM
  33. 2026-06-30
    days on market $125,000 Contingent 49 DOM
  34. 2026-06-29
    days on market $125,000 Contingent 48 DOM
  35. 2026-06-28
    days on market $125,000 Contingent 47 DOM
  36. 2026-06-28
    days on market $125,000 Contingent 46 DOM
  37. 2026-06-27
    days on market $125,000 Contingent 45 DOM
  38. 2026-06-25
    days on market $125,000 Contingent 43 DOM
  39. 2026-06-23
    days on market $125,000 Contingent 41 DOM
  40. 2026-06-21
    days on market $125,000 Contingent 40 DOM
  41. 2026-06-18
    days on market $125,000 Contingent 37 DOM
  42. 2026-06-17
    days on market $125,000 Contingent 36 DOM
  43. 2026-06-16
    days on market $125,000 Contingent 35 DOM
  44. 2026-06-15
    days on market $125,000 Contingent 34 DOM
  45. 2026-06-14
    days on market $125,000 Contingent 32 DOM
  46. 2026-06-10
    days on market $125,000 Contingent 29 DOM
  47. 2026-06-09
    days on market $125,000 Contingent 28 DOM
  48. 2026-06-08
    days on market $125,000 Contingent 27 DOM
  49. 2026-06-07
    days on market $125,000 Contingent 26 DOM
  50. 2026-06-03
    days on market $125,000 Contingent 22 DOM

ⓘ 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
$597 · $50/mo
Projected year-2 tax
$996 · $83/mo
Expected delta
+$399/yr (+$33/mo · 67.0%)

ⓘ 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 1/10 Low
  • 🌡 Heat 10/10 Extreme 6 d/yr ≥105°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

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$20,197
− Mortgage interest
−$6,722
− Property taxes
−$597
− Insurance
−$600
− Repairs & maintenance
−$1,616
− Management
−$1,616
− Depreciation
−$3,491
Taxable income
$5,556
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,333
After-tax cash flow
$5,874/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 · 9 photos

Fair 45/100 Moderate rehab Est. rehab $35,400–$63,720 screening

This home requires moderate renovations to improve its condition and appeal to buyers. Key areas for improvement include the kitchen, bathroom, exterior, and flooring. Upgrades in these areas will significantly enhance its resale and rental value.

Components & finishes AI

Roof metal · good Flooring carpet

Deferred maintenance Est. $2,500–$10,000 screening

  • Minor Roof (roof) — No visible signs of damage or wear
  • Minor Windows (windows) — No visible signs of damage or wear
  • Minor Electrical (electrical) — No visible signs of damage or wear
  • Minor Plumbing (plumbing) — No visible signs of damage or wear
  • Minor Exterior (exterior) — No visible signs of damage or wear

Repairs flagged

  • Major Kitchen appliances — Dated and likely not functioning properly.
  • Major Bathroom fixtures — Outdated and in need of replacement.
  • Moderate Exterior siding — Weathered and may need repainting or replacement.
  • Major Flooring — Worn and may need replacement for a fresh look.

Value-add opportunities

  • Resale Kitchen appliances — Modern appliances will attract more buyers.
  • Resale Bathroom renovation — Up-to-date bathroom will appeal to potential buyers.
  • Both Exterior painting — Fresh paint will improve curb appeal and home value.
  • Both Landscaping — Well-maintained landscaping will enhance curb appeal and attract tenants.
  • Both Flooring replacement — New flooring will improve the home's appearance and functionality.

ⓘ Rehab cost is a screening estimate — Moderate 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.

F Composite school gradezoned avg 28/100

Zoned Schools

Elementary West Pensacola Elementary School F FL #1,491/2,144 Nat'l #19,354/41,679 Middle Warrington Middle School F FL #553/571 Nat'l #11,382/14,009 High Escambia High School F FL #529/667 Nat'l #13,437/17,239

Schools (NCES district)

District
Escambia
NCES district ID
1200510
Math proficiency
40% ▼ -9.00%
Reading proficiency
45% ▼ -4.00%
Median HH income
$44,649
Composite
36.04/100
National rank
#4773
State rank
#56 of 73 in FL
C Composite livability gradescore 66/100

Livability — West Pensacola

Score
66/100
State rank
#629
US rank
#12275

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
West Pensacola, FL
County
Escambia County · 334,637 people
Metro
Pensacola-Ferry Pass-Brent, FL
Population (ZIP)
34,549
Household income
$62,486
Rent vs Own
39.7% rent · 60.3% own
Severe rent burden
11% of renters

Population outlook (Escambia County) Hauer SSP2

Today (2025)
334,637 people
By 2030
345,779 · +3.3%
By 2040
364,828 · +9.0%
By 2050
378,514 · +13.1%
By 2075
403,220 · +20.5%
By 2100
386,125 · +15.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.60)
Race & ethnicity
White 60% Black 18% Two or more races 11% Hispanic / Latino 6% Asian 6%
Hispanic origin (detail)
Mexican 3%
Common ancestry
Lithuanian 4% Slovak 2% Italian 2%
Foreign-born
9% · Canada, China, Vietnam
Languages at home
89% English-only · Spanish 4% Tagalog/Filipino 2% Other Indo-European 1%

Political lean MEDSL · Escambia

2024 margin
R (+19.5) · D 39.7% · R 59.2% · Other 1.1%
2008→2024 swing
-0.2pp no change · 2008: -19.3pp · 2024: -19.5pp
All cycles
2024: R+19.5 2020: R+15.1 2016: R+20.6 2012: R+20.6 2008: R+19.3

Not yet ingested

Civics

Price history

+258.2% since first listed
3 events — show timeline
  • 2026-05-22 Contingent PARMLS
  • 2026-05-12 Listed $125,000 PARMLS
  • 1982-12-01 Sold (Public Records) $34,900 Public Records

Property tax history

+4.5%/yr

Latest (2025): $597 · +26.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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