2235 Anna Dr · Titusville, FL 32796

$179,000

3 bd · 2.0 ba · 1,140 sqft · SingleFamily public records · 16 Days on market

Built 1958 7,405 sqft lot

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Why this score? — see what drove the C 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 +23.2/30.0
• ARV discount +7.5/15.0
• DSCR +7.4/10.0
• 1% rule +5.5/10.0
• Schools +4.7/10.0
• Livability +4.2/5.0
• Rent growth +2.6/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

* * * Seller will Hold The Note * * * Welcome to this remodeled 3 bedroom, 1.5 bath home in north Titusville. . * * No Cast Iron Pipes * * A/C 2023, Roof 22022, Updated Electrical & panel, updated Plumbing, Updated Full Bath, New Kitchen Appliances, New Flooring, Fans & Lighting. * * A Transferable Termite Bond for peace of mind. * * This home also has an additional 324 sq ft room that can be used as a 4th bedroom or a large family room, offering a comfortable and functional living space. Convenient half bath and a large laundry room with extra storage space. City Water on Septic. This home is ideal for anyone looking for a practical, affordable place that still has room for everyone. Close to shopping, medical & restaurants

Key facts

• A/c 2023
• Updated electrical
• No cast iron pipes

Tags

• REMODELED HOME
• NO CAST IRON PIPES
• A/C 2023
• UPDATED ELECTRICAL
• UPDATED PLUMBING
• UPDATED FULL BATH

Property features AI

Exterior

• Parking: Additional parking
• Utilities: Septic tank; Cable available; Electricity connected; Water available
• Home design: Single family residence; One story; Entry level: 1; North-facing
• Construction: Block, concrete and stucco construction; Shingle roof; Built with foundation typical for block/concrete construction
• Exterior features: Fenced yard (wood); Dead-end street; County road frontage; Asphalt road surface

Interior

• Kitchen: Electric range; Microwave; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms (all on entry level)
• Flooring: Laminate flooring; Wood flooring
• Bathrooms: 2 bathrooms (1 full, 1 half)
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans; Primary bathroom with tub and shower
• Laundry & utility: Washer hookup; Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $179k.

Deal economics

• At list price, monthly cash flow is $324 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $179k).
• Recommended offer: $176k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 84/100 on livability (#42 in FL, #668 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D, employment D.
• Brevard (suburban): math 53% / reading 57% proficiency, ranked #19 of 73 in FL (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Mims Elementary School (math 42% / reading 47%, grade F, #1,288 of 2,144 statewide, top 62%, 462 students, 80% FRL); James Madison Middle School (math 39% / reading 39%, grade F, #381 of 571 statewide, top 67%, 446 students, 65% FRL); Astronaut High School (math 25% / reading 43%, grade F, #394 of 667 statewide, top 60%, 1,112 students, 51% FRL) — zoned schools average 65% FRL vs 43% district-wide (22 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 39% at this address vs 55% district-wide (-16 pts) — the specific schools serving this property underperform the Brevard average; the district grade overstates school quality for this exact location.
• Market conditions: Rents flat; 256 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 4,602 units permitted in Brevard County in 2024 (702 in 5+ unit buildings).
• This rent runs 33% of the median local income ($67k/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 $5k of value loss. Plan a longer hold.
• Brevard County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($176k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 17y 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 $23k; list at $179k implies a 678% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1958 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $176,315 (1.5% below list)

Questions for the listing agent

1. Built in 1958 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 1.05% ✓
• Cap rate: 8.46%
• Cash-on-cash: 7.75%
• DSCR: 1.34
• GRM: 8.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.59% rent growth · sell at horizon

5-year hold

• IRR: -7.1%
• Equity multiple: 0.74×
• Total profit: $-12,837
• Equity at exit: $26,689

10-year hold

• IRR: -0.7%
• Equity multiple: 0.96×
• Total profit: $-2,049
• Equity at exit: $15,477

Cash invested: $50,120 (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 32796

• Rents YoY: 0.6%
• Active inventory: 256
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,873 high
• Mortgage (P&I): −$939
• Tax from tax record: −$142 /mo · $1,710/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$393
• Net cashflow: $324

Break-even live

Break-even rent $1,463

Max offer price $179,000

Occupancy floor 78%

Sensitivity live

Price	-10% $425	-5% $374	+0% $324	+5% $273	+10% $223
Rent	-10% $176	-5% $250	+0% $324	+5% $398	+10% $472
Rate	-1.0pp $414	-0.5pp $369	base $324	+0.5pp $277	+1.0pp $230

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: $44,750
• Closing costs: $5,370
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2008 Vaughn St Titusville, FL	3.0	1.5	1198	$1,850	$1.54	24d	1	0.37mi
1105 Morse Ave Titusville, FL	3.0	2.0	1218	$1,995	$1.64	24d	1	0.49mi
2745 Starlight Dr Titusville, FL	3.0	2.0	1232	$1,800	$1.46	24d	1	0.52mi
965 N Singleton Ave Titusville, FL	3.0	2.0	1493	$2,250	$1.51	20d	1	0.66mi
583 Gardenia Cir Titusville, FL	3.0	2.0	1120	$1,800	$1.61	24d	1	0.76mi
230 N Robbins Ave Titusville, FL	2.0	1.0	880	$1,100	$1.25	24d	1	0.91mi
102 S Christmas Hill Rd Titusville, FL	3.0	2.0	1304	$2,300	$1.76	15d	1	0.92mi
102 S Christmas Hill Rd Titusville, FL	3.0	2.0	1304	$2,200	$1.69	24d	1	0.92mi
292 W Towne Pl Titusville, FL	2.0	2.5	1242	$1,450	$1.17	15d	1	1.10mi
265 W Towne Pl Titusville, FL	2.0	1.0	1128	$1,650	$1.46	24d	1	1.10mi
500 Rockpit Rd Titusville, FL	2.0	1.0	700	$1,050	$1.50	24d	1	1.16mi
537 Rockpit Rd Titusville, FL	2.0	1.0	768	$1,050	$1.37	24d	1	1.21mi
609 Ward Ave Titusville, FL	3.0	2.0	1200	$1,950	$1.62	24d	1	1.23mi
1588 South St Titusville, FL	2.0	1.0	860	$1,000	$1.16	24d	1	1.32mi
405 Dummitt Ave Titusville, FL	3.0	2.0	1320	$2,150	$1.63	22d	1	1.49mi

Listing history 24 events

1. 2026-06-18
   days on market $179,000 Active 16 DOM
2. 2026-06-17
   days on market $179,000 Active 15 DOM
3. 2026-06-16
   days on market $179,000 Active 14 DOM
4. 2026-06-15
   days on market $179,000 Active 13 DOM
5. 2026-06-14
   pricestatusdays on market $179,000 Active 11 DOM
6. 2026-05-31
   statusdays on market $180,000 Pending 8 DOM
7. 2026-05-22
   listed $180,000 Active
8. 2026-05-15
   historical 770-char remark

   Show marketing remark (770 chars)

   * * * Seller will Hold The Note * * * Welcome to this remodeled 3 bedroom, 1.5 bath home in north Titusville. . * * No Cast Iron Pipes * * A/C 2023, Roof 22022, Updated Electrical & panel, updated Plumbing, Updated Full Bath, New Kitchen Appliances, New Flooring, Fans & Lighting. * * A Transferable Termite Bond for peace of mind. * * This home also has an additional 324 sq ft room that can be used as a 4th bedroom or a large family room, offering a comfortable and functional living space. Convenient half bath and a large laundry room with extra storage space. City Water on Septic. This home is ideal for anyone looking for a practical, affordable place that still has room for everyone. Close to shopping, medical & restaurants

9. 2026-05-13
   price $180,000 770-char remark

   Show marketing remark (770 chars)

   * * * Seller will Hold The Note * * * Welcome to this remodeled 3 bedroom, 1.5 bath home in north Titusville. . * * No Cast Iron Pipes * * A/C 2023, Roof 22022, Updated Electrical & panel, updated Plumbing, Updated Full Bath, New Kitchen Appliances, New Flooring, Fans & Lighting. * * A Transferable Termite Bond for peace of mind. * * This home also has an additional 324 sq ft room that can be used as a 4th bedroom or a large family room, offering a comfortable and functional living space. Convenient half bath and a large laundry room with extra storage space. City Water on Septic. This home is ideal for anyone looking for a practical, affordable place that still has room for everyone. Close to shopping, medical & restaurants

10. 2026-04-20
    price $189,990 770-char remark

    Show marketing remark (770 chars)

    * * * Seller will Hold The Note * * * Welcome to this remodeled 3 bedroom, 1.5 bath home in north Titusville. . * * No Cast Iron Pipes * * A/C 2023, Roof 22022, Updated Electrical & panel, updated Plumbing, Updated Full Bath, New Kitchen Appliances, New Flooring, Fans & Lighting. * * A Transferable Termite Bond for peace of mind. * * This home also has an additional 324 sq ft room that can be used as a 4th bedroom or a large family room, offering a comfortable and functional living space. Convenient half bath and a large laundry room with extra storage space. City Water on Septic. This home is ideal for anyone looking for a practical, affordable place that still has room for everyone. Close to shopping, medical & restaurants

11. 2026-04-03
    status Active 770-char remark

    Show marketing remark (770 chars)

    * * * Seller will Hold The Note * * * Welcome to this remodeled 3 bedroom, 1.5 bath home in north Titusville. . * * No Cast Iron Pipes * * A/C 2023, Roof 22022, Updated Electrical & panel, updated Plumbing, Updated Full Bath, New Kitchen Appliances, New Flooring, Fans & Lighting. * * A Transferable Termite Bond for peace of mind. * * This home also has an additional 324 sq ft room that can be used as a 4th bedroom or a large family room, offering a comfortable and functional living space. Convenient half bath and a large laundry room with extra storage space. City Water on Septic. This home is ideal for anyone looking for a practical, affordable place that still has room for everyone. Close to shopping, medical & restaurants

12. 2026-03-19
    historical Active Under Contract 770-char remark

    Show marketing remark (770 chars)

    * * * Seller will Hold The Note * * * Welcome to this remodeled 3 bedroom, 1.5 bath home in north Titusville. . * * No Cast Iron Pipes * * A/C 2023, Roof 22022, Updated Electrical & panel, updated Plumbing, Updated Full Bath, New Kitchen Appliances, New Flooring, Fans & Lighting. * * A Transferable Termite Bond for peace of mind. * * This home also has an additional 324 sq ft room that can be used as a 4th bedroom or a large family room, offering a comfortable and functional living space. Convenient half bath and a large laundry room with extra storage space. City Water on Septic. This home is ideal for anyone looking for a practical, affordable place that still has room for everyone. Close to shopping, medical & restaurants

13. 2026-02-16
    listed $199,990 Active 770-char remark

    Show marketing remark (770 chars)

    * * * Seller will Hold The Note * * * Welcome to this remodeled 3 bedroom, 1.5 bath home in north Titusville. . * * No Cast Iron Pipes * * A/C 2023, Roof 22022, Updated Electrical & panel, updated Plumbing, Updated Full Bath, New Kitchen Appliances, New Flooring, Fans & Lighting. * * A Transferable Termite Bond for peace of mind. * * This home also has an additional 324 sq ft room that can be used as a 4th bedroom or a large family room, offering a comfortable and functional living space. Convenient half bath and a large laundry room with extra storage space. City Water on Septic. This home is ideal for anyone looking for a practical, affordable place that still has room for everyone. Close to shopping, medical & restaurants

14. 2025-12-04
    historical
15. 2025-10-16
    price $200,000
16. 2025-07-18
    status Active
17. 2025-07-09
    status Pending
18. 2025-07-09
    historical
19. 2025-05-08
    price $200,000
20. 2025-03-17
    listed $214,000 Active
21. 2025-03-13
    listed $214,000 Active
22. 2009-12-18
    soldstatus $23,000
23. 2009-10-08
    listed $24,900
24. 2006-11-30
    soldstatus $90,000

ⓘ 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: $1,710 · $142/mo
• Projected year-2 tax: $1,710 · $142/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 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $22,475
• − Mortgage interest: −$10,027
• − Property taxes: −$1,710
• − Insurance: −$895
• − Repairs & maintenance: −$1,798
• − Management: −$1,798
• − Depreciation: −$5,207
• Taxable income: $1,040
• Est. tax owed @ 24.0%: −$250
• After-tax cash flow: $3,636/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: Brevard
• NCES district ID: 1200150
• Math proficiency: 53% ▼ -9.00%
• Reading proficiency: 57% ▼ -4.00%
• Median HH income: $49,426
• Composite: 46.86/100
• National rank: #2370
• State rank: #19 of 73 in FL

Livability — Titusville

• Score: 84/100
• State rank: #42
• US rank: #668

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Titusville, FL
• County: Brevard County · 602,871 people
• City population: 60,286
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 20,222
• Household income: $67,491
• Rent vs Own: 15.2% rent · 84.8% own
• Severe rent burden: 403.0

Population outlook (Brevard County) Hauer SSP2

• Today (2025): 623,254 people
• By 2030: 648,420 · +4.0%
• By 2040: 690,009 · +10.7%
• By 2050: 715,669 · +14.8%
• By 2075: 775,744 · +24.5%
• By 2100: 776,687 · +24.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (81%)
• Race & ethnicity: White 81% Black 8% Hispanic / Latino 6% Two or more races 4%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Romanian 3% Italian 3% Slovak 2%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 5%

Political lean MEDSL · Brevard

• 2024 margin: Strong R (+20.8) · D 39.1% · R 59.9% · Other 1.0%
• 2008→2024 swing: -10.4pp toward R · 2008: -10.4pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+16.4 2016: R+19.8 2012: R+12.7 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -172.25%
• Current HPI: 303.5534
• Rent YoY: ▲ 0.59%
• Metro: Palm Bay-Melbourne-Titusville, 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

+100.0% since first listed

18 events — show timeline

• 2026-05-22 Listed $180,000 SCMLS
• 2026-05-15 Listing Removed — SCMLS
• 2026-05-13 Price Changed $180,000 SCMLS
• 2026-04-20 Price Changed $189,990 SCMLS
• 2026-04-03 Relisted — SCMLS
• 2026-03-19 Contingent — SCMLS
• 2026-02-16 Listed $199,990 SCMLS
• 2025-12-04 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-10-16 Price Changed $200,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-18 Relisted — SCMLS
• 2025-07-09 Pending — SCMLS
• 2025-07-09 Listing Removed — SCMLS
• 2025-05-08 Price Changed $200,000 SCMLS
• 2025-03-17 Listed $214,000 Stellar MLS as Distributed by MLS Grid
• 2025-03-13 Listed $214,000 SCMLS
• 2009-12-18 Sold (MLS) $23,000 SCMLS
• 2009-10-08 Listed $24,900 SCMLS
• 2006-11-30 Sold (Public Records) $90,000 Public Records

Property tax history

+8.3%/yr

Latest (2025): $1,710 · +14.2% YoY. Source: county tax records.