955 E Tee Cir · Bartow, FL 33830

$204,000

3 bd · 2.0 ba · 1,077 sqft · SingleFamily public records · 78 Days on market

Built 1972 6,547 sqft lot

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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 +15.2/30.0
• ARV discount +7.5/15.0
• DSCR +4.7/10.0
• 1% rule +3.6/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

* * * Perfect Starter Home * * * QUICK RESPONSE. NOT BANK OWNED OR SHORT SALE. Welcome home to this updated 3 bedroom, 2 bath home with over 1,000 sqft. This home features an open floor plan, a brand new air conditioning unit, appliances, ceramic flooring throughout, a huge yard that is fenced in, and best of all french doors that lead out to the covered screened patio. This home will not last! Call today for a private showing!

Key facts

• Covered front porch
• Fresh paint
• One car carport

Tags

• COVERED FRONT PORCH
• ONE CAR CARPORT
• UPDATED LAMINATE FLOORING
• FRESH PAINT
• PLENTY OF CABINET SPACE
• BREAKFAST BAR

Property features AI

Finance

• Other: Living area reported as 1,077 (public records); Total building area reported as 1,690 (public records)
• Financial info: No lease restrictions indicated
• HOA & community: No HOA association reported; Pets allowed

Exterior

• Parking: Driveway; 1-space carport
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer; Electricity available; Cable available; Phone available; Broadband/High-speed internet available
• Home design: Single family residence; One story; East-facing; Residential zoning (R-1); Homestead property
• Construction: Block and brick construction; Shingle roof; Slab foundation; Built on a 0.15 acre lot (approx. 75 x 87)
• Exterior features: Rear screened porch; Rain gutters; Level, paved lot; Paved road access

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Laminate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; Open floorplan; Thermostat; Blinds; Smoke detector(s)
• Laundry & utility: Inside laundry in a laundry closet

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $204k.

Deal economics

• At list price, monthly cash flow is $70 ($844/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 $175k (14.3% below list).
• Recommended offer: $175k (14.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#526 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, crime D-, amenities 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: Spessard L Holland Elementary (math 47% / reading 49%, grade D, #1,171 of 2,144 statewide, top 55%, 766 students, 52% FRL); Bartow Middle School (math 33% / reading 36%, grade F, #421 of 571 statewide, top 74%, 1,046 students, 63% FRL); Bartow Senior High School (math 26% / reading 46%, grade F, #359 of 667 statewide, top 55%, 2,125 students, 44% FRL).
• Market conditions: Rents rising (+2.7%/yr); 392 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 26d 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 33% 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 $1k of loan paydown is wiped out by about $6k 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 78 days — a 6% lower offer ($192k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 21y 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.
• Current owner paid $130k; list at $204k implies a 57% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $174,914 (14.3% below list)

Questions for the listing agent

1. It's been on market 78 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
2. Built in 1972 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.86% ✗
• Cap rate: 6.71%
• Cash-on-cash: 1.48%
• DSCR: 1.07
• GRM: 9.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.72% rent growth · sell at horizon

5-year hold

• IRR: -14.3%
• Equity multiple: 0.49×
• Total profit: $-29,102
• Equity at exit: $30,417

10-year hold

• IRR: -6.0%
• Equity multiple: 0.62×
• Total profit: $-21,716
• Equity at exit: $17,638

Cash invested: $57,120 (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 33830

• Home prices YoY: -19.8%
• Rents YoY: 2.7%
• Active inventory: 392
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $1,749 high
• Mortgage (P&I): −$1,070
• Tax from tax record: −$157 /mo · $1,880/yr
• Insurance: −$85
• HOA: −$0
• Vacancy / Maint / Mgmt: −$367
• Net cashflow: $70

Break-even live

Break-even rent $1,660

Max offer price $204,000

Occupancy floor 91%

Sensitivity live

Price	-10% $186	-5% $128	+0% $70	+5% $13	+10% $-45
Rent	-10% $-68	-5% $1	+0% $70	+5% $139	+10% $209
Rate	-1.0pp $173	-0.5pp $122	base $70	+0.5pp $17	+1.0pp $-36

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: $51,000
• Closing costs: $6,120
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2025 Dunbar St Unit 2025 Bartow, FL	3.0	2.0	1333	$1,700	$1.28	25d	1	0.30mi
1999 Marshall St Unit 2 Bartow, FL	3.0	2.0	1281	$1,800	$1.41	25d	1	0.34mi
2060 Martin Luther King Jr Blvd Bartow, FL	2.0	1.0	1120	$1,200	$1.07	25d	1	0.36mi
1850 Martin Luther King Junior Blvd Bartow, FL	3.0	2.0	1174	$1,795	$1.53	16d	1	0.45mi
990 E Bay St Bartow, FL	3.0	2.0	1188	$1,295	$1.09	12d	1	0.90mi
1465 E Boulevard St Bartow, FL	3.0	1.0	1000	$1,295	$1.29	25d	1	0.94mi
855 E Vine St Unit A Bartow, FL	3.0	2.0	1040	$1,850	$1.78	25d	1	1.02mi
740 E Pearl St Unit C Bartow, FL	2.0	1.0	900	$1,360	$1.51	25d	1	1.12mi
740 E Pearl St Apt E Bartow, FL	2.0	1.5	1000	$1,470	$1.47	25d	1	1.13mi
1070 E Church St Unit A Bartow, FL	4.0	2.5	1362	$1,850	$1.36	16d	1	1.14mi
1070 E Church St Bartow, FL	4.0	2.5	1384	$1,900	$1.37	16d	1	1.14mi
1290 Henson Ln Bartow, FL	2.0	1.0	743	$850	$1.14	13d	1	1.34mi

Listing history 20 events

1. 2026-05-21
   price $204,000
2. 2026-05-15
   status Active
3. 2026-05-12
   status Pending
4. 2026-04-28
   status Active
5. 2026-04-24
   status Pending
6. 2026-03-16
   price $205,000
7. 2026-03-03
   listed $210,000 Active
8. 2020-06-26
   soldstatus $130,000
9. 2020-06-25
   soldstatus $129,999 Sold 436-char remark

   Show marketing remark (436 chars)

   * * * Perfect Starter Home * * * QUICK RESPONSE. NOT BANK OWNED OR SHORT SALE. Welcome home to this updated 3 bedroom, 2 bath home with over 1,000 sqft. This home features an open floor plan, a brand new air conditioning unit, appliances, ceramic flooring throughout, a huge yard that is fenced in, and best of all french doors that lead out to the covered screened patio. This home will not last! Call today for a private showing!

10. 2020-05-07
    status Pending 436-char remark

    Show marketing remark (436 chars)

    * * * Perfect Starter Home * * * QUICK RESPONSE. NOT BANK OWNED OR SHORT SALE. Welcome home to this updated 3 bedroom, 2 bath home with over 1,000 sqft. This home features an open floor plan, a brand new air conditioning unit, appliances, ceramic flooring throughout, a huge yard that is fenced in, and best of all french doors that lead out to the covered screened patio. This home will not last! Call today for a private showing!

11. 2020-05-04
    status Active 436-char remark

    Show marketing remark (436 chars)

    * * * Perfect Starter Home * * * QUICK RESPONSE. NOT BANK OWNED OR SHORT SALE. Welcome home to this updated 3 bedroom, 2 bath home with over 1,000 sqft. This home features an open floor plan, a brand new air conditioning unit, appliances, ceramic flooring throughout, a huge yard that is fenced in, and best of all french doors that lead out to the covered screened patio. This home will not last! Call today for a private showing!

12. 2020-03-25
    status Pending 436-char remark

    Show marketing remark (436 chars)

    * * * Perfect Starter Home * * * QUICK RESPONSE. NOT BANK OWNED OR SHORT SALE. Welcome home to this updated 3 bedroom, 2 bath home with over 1,000 sqft. This home features an open floor plan, a brand new air conditioning unit, appliances, ceramic flooring throughout, a huge yard that is fenced in, and best of all french doors that lead out to the covered screened patio. This home will not last! Call today for a private showing!

13. 2020-03-01
    listed $129,999 Active 436-char remark

    Show marketing remark (436 chars)

    * * * Perfect Starter Home * * * QUICK RESPONSE. NOT BANK OWNED OR SHORT SALE. Welcome home to this updated 3 bedroom, 2 bath home with over 1,000 sqft. This home features an open floor plan, a brand new air conditioning unit, appliances, ceramic flooring throughout, a huge yard that is fenced in, and best of all french doors that lead out to the covered screened patio. This home will not last! Call today for a private showing!

14. 2007-10-09
    historical
15. 2007-07-03
    listed $124,900
16. 2006-09-18
    listed $129,900
17. 2006-09-07
    soldstatus $90,000
18. 2005-10-14
    soldstatus $89,500
19. 2005-09-11
    soldstatus $89,500
20. 2005-08-20
    listed $98,500

ⓘ 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: $1,880 · $157/mo
• Projected year-2 tax: $1,880 · $157/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 · 25 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,990
• − Mortgage interest: −$11,427
• − Property taxes: −$1,880
• − Insurance: −$1,020
• − Repairs & maintenance: −$1,679
• − Management: −$1,679
• − Depreciation: −$5,935
• Taxable loss: −$2,631
• Est. tax savings @ 24.0%: +$631
• After-tax cash flow: $1,475/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 — Bartow

• Score: 68/100
• State rank: #526
• US rank: #9835

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bartow, FL
• County: Polk County · 740,051 people
• City population: 33,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 33,740
• Household income: $63,918
• Rent vs Own: 31.1% rent · 68.9% own
• Severe rent burden: 681.0

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 0.62)
• Race & ethnicity: White 55% Hispanic / Latino 22% Black 18% Two or more races 13% Asian 2%
• Hispanic origin (detail): Mexican 13% Puerto Rican 5%
• Common ancestry: Italian 3% Slovak 1% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1% Other Asian/Pacific 1%

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: ▼ -82.47%
• Current HPI: 333.3392
• Rent YoY: ▲ 2.72%
• 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

+107.1% since first listed

20 events — show timeline

• 2026-05-21 Price Changed $204,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-15 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-28 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-24 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-16 Price Changed $205,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-03 Listed $210,000 Stellar MLS as Distributed by MLS Grid
• 2020-06-26 Sold (Public Records) $130,000 Public Records
• 2020-06-25 Sold (MLS) $129,999 Stellar MLS as Distributed by MLS Grid
• 2020-05-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-05-04 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-03-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-03-01 Listed $129,999 Stellar MLS as Distributed by MLS Grid
• 2007-10-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-07-03 Listed $124,900 Stellar MLS as Distributed by MLS Grid
• 2006-09-18 Listed $129,900 Stellar MLS as Distributed by MLS Grid
• 2006-09-07 Sold (Public Records) $90,000 Public Records
• 2005-10-14 Sold (Public Records) $89,500 Public Records
• 2005-09-11 Sold (MLS) $89,500 Stellar MLS as Distributed by MLS Grid
• 2005-08-20 Listed $98,500 Stellar MLS as Distributed by MLS Grid

Property tax history

+8.1%/yr

Latest (2025): $1,880 · +3.9% YoY. Source: county tax records.