11347 Walden Loop · Bradenton, FL 34219

$389,000

4 bd · 2.0 ba · 1,792 sqft · SingleFamily public records · 36 Days on market

Built 2003 7,475 sqft lot Est $410k · 5% under $59/mo HOA · 2% 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 +12.0/30.0
• ARV discount +9.8/15.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• DSCR +3.5/10.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

Overlooking a peaceful pond, this spacious 4-bedroom, 2-bathroom home offers an open-concept design, thoughtful updates, and a location that combines convenience with tranquility. The flowing floor plan seamlessly connects the living room, dining area, and kitchen, creating a bright and inviting space ideal for both everyday living and entertaining. Large windows bring in abundant natural light and showcase calming water views throughout the main living areas. Tile flooring throughout the home provides a clean, cohesive look and makes maintenance a breeze. The neutral interior provides a versatile canvas to suit any style. The generously sized primary suite features an en-suite bathroom wit

Key facts

• Open-concept design
• Calming water views
• Serene pond view

Tags

• OPEN-CONCEPT DESIGN
• CALMING WATER VIEWS
• TILE FLOORING
• SCREENED LANAI
• SERENE POND VIEW
• NEW ROOF

Property features AI

Finance

• Other: Homestead exempt; Living area reported as 1,792 sq ft (public records); Total building area reported as 2,596 sq ft (public records)
• Financial info: Lease restrictions apply
• HOA & community: HOA managed by Sunstate Management; Quarterly association fee ($179); Monthly equivalent HOA approx. $59.67; Association approval required; Pets allowed (dogs OK)

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Public water; Public sewer; Cable available; Broadband/high-speed internet available; Electricity connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; Faces north; Residential zoning (PD-R)
• Construction: Concrete and stucco construction; Shingle roof; Block foundation; Built on 0.17-acre lot
• Exterior features: Private mailbox; Sidewalk; Paved road access

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Tile flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Walk-in closets; 8 total rooms
• 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 $389k.

Deal economics

• At list price, monthly cash flow is $-95 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $372k (4.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $298k (23.3% below list).
• Recommended offer: $298k (23.3% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 3.6% in Bradenton — 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 81/100 on livability (#101 in FL, #1,528 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, crime D, amenities F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Parrish Community High School (math 47% / reading 57%, grade D+, #160 of 667 statewide, top 25%, 2,017 students, 32% FRL) — zoned schools average 32% FRL vs 51% district-wide (18 pts lower); this property's tenant base skews higher-income than the district average.
• Market conditions: Rents soft (-0.9%/yr); 2170 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• This rent runs 31% of the median local income ($114k/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 $3k of loan paydown is wiped out by about $12k of value loss. Plan a longer hold.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 36 days — a 3% lower offer ($377k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 3y 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; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $298,208 (23.3% 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 36 days. Have you received any prior offers? Is the seller open to a 23% 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. 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: 0.77% ✗
• Cap rate: 6.00%
• Cash-on-cash: -1.04%
• DSCR: 0.95
• GRM: 10.9

CMA / ARV

• ARV (on-the-fly): $410,368
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
11231 Woodlake Way	0.36mi	3/2.0 (-1)	1,766 (-2%)	7mo	$350,000	$198	70
11750 Fennemore Way	0.42mi	3/2.0 (-1)	1,760 (-2%)	6mo	$485,000	$276	67
11021 Blue Magnolia Ln	0.47mi	3/2.0 (-1)	1,744 (-3%)	5mo	$350,000	$201	64
4207 Cottage Hill Ave	0.62mi	3/2.0 (-1)	1,744 (-3%)	0mo	$400,000	$229	61
11811 Dunster Ln	0.49mi	4/2.0	1,606 (-10%)	1mo	$380,000	$237	60
10929 Sand Pine Ln	0.57mi	3/2.0 (-1)	1,766 (-2%)	8mo	$393,000	$223	59
4608 Oliver Manor Dr	0.26mi	3/2.0 (-1)	1,581 (-12%)	5mo	$370,000	$234	59
4326 Forest Creek Trl	0.35mi	3/2.0 (-1)	1,582 (-12%)	3mo	$305,000	$193	56
10933 Blue Magnolia Ln	0.52mi	3/2.0 (-1)	1,954 (+9%)	1mo	$385,000	$197	55
11809 Shrewsbury Ln	0.53mi	4/2.0	1,601 (-11%)	4mo	$345,000	$215	55
10915 Blue Magnolia Ln	0.55mi	3/2.0 (-1)	1,946 (+9%)	2mo	$445,000	$229	53
4815 111th Ter E	0.71mi	3/2.0 (-1)	1,838 (+3%)	8mo	$465,000	$253	51

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -21.2%
• Equity multiple: 0.28×
• Total profit: $-77,907
• Equity at exit: $58,001

10-year hold

• IRR: -22.7%
• Equity multiple: -0.01×
• Total profit: $-109,791
• Equity at exit: $33,634

Cash invested: $108,920 (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 34219

• Home prices YoY: -23.7%
• Rents YoY: -0.9%
• Active inventory: 2170
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,982 high
• Mortgage (P&I): −$2,040
• Tax from tax record: −$190 /mo · $2,274/yr
• Insurance: −$162
• HOA: −$59
• Vacancy / Maint / Mgmt: −$626
• Net cashflow: $-95

Break-even live

Break-even rent $3,102

Max offer price $372,271

Occupancy floor 98%

Sensitivity live

Price	-10% $126	-5% $15	+0% $-95	+5% $-205	+10% $-315
Rent	-10% $-330	-5% $-212	+0% $-95	+5% $23	+10% $141
Rate	-1.0pp $101	-0.5pp $4	base $-95	+0.5pp $-196	+1.0pp $-298

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: $97,250
• Closing costs: $11,670
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11465 Summit Rock Ct Parrish, FL	4.0	2.5	2434	$2,975	$1.22	24d	1	0.16mi
11479 Walden Loop Parrish, FL	3.0	2.0	2408	$2,849	$1.18	24d	1	0.19mi
11764 Shirburn Cir Parrish, FL	4.0	2.0	1606	$2,526	$1.57	4d	1	0.34mi
11639 Old Florida Ln Parrish, FL	3.0	2.5	1692	$2,350	$1.39	21d	1	0.50mi
11106 Sand Pine Ln Parrish, FL	3.0	2.0	1766	$2,579	$1.46	4d	1	0.55mi
4213 Berkeley Dr Parrish, FL	3.0	2.0	1749	$2,485	$1.42	3d	1	0.72mi
10610 Eddy Cir Parrish, FL	1.0–3.0	1.0–2.0	1082	$2,495	$2.30	3d	89	0.84mi
3511 Wild Blossom Pl Parrish, FL	3.0	2.0	1692	$2,500	$1.48	12d	1	1.12mi
10508 55th Ct E Parrish, FL	3.0	2.0	1447	$3,000	$2.07	24d	1	1.14mi
6203 115th Ave E Parrish, FL	3.0	3.5	2384	$2,770	$1.16	17d	1	1.22mi
5525 106th Ave E Parrish, FL	4.0	2.0	1952	$2,511	$1.29	22d	1	1.29mi
9922 52nd St E Parrish, FL	3.0	2.0	1270	$2,250	$1.77	4d	1	1.33mi
12352 49th St E Parrish, FL	4.0	3.0	2209	$2,750	$1.24	24d	1	1.35mi
3775 Manorwood Loop Parrish, FL	3.0	2.0	2122	$3,300	$1.56	17d	1	1.38mi
2910 122nd Ter E Parrish, FL	3.0	2.0	1830	$3,300	$1.80	24d	1	1.44mi

HOA detail

• Monthly dues: $59 · $708/yr
• Likely covers: water

Listing history 24 events

1. 2026-06-18
   days on market $389,000 Active 36 DOM
2. 2026-06-17
   days on market $389,000 Active 35 DOM
3. 2026-06-16
   days on market $389,000 Active 34 DOM
4. 2026-06-15
   days on market $389,000 Active 33 DOM
5. 2026-06-13
   days on market $389,000 Active 31 DOM
6. 2026-06-13
   days on market $389,000 Active 30 DOM
7. 2026-06-10
   days on market $389,000 Active 28 DOM
8. 2026-06-09
   days on market $389,000 Active 27 DOM
9. 2026-06-08
   days on market $389,000 Active 26 DOM
10. 2026-06-08
    days on market $389,000 Active 25 DOM
11. 2026-06-03
    days on market $389,000 Active 21 DOM
12. 2026-06-02
    days on market $389,000 Active 20 DOM
13. 2026-06-01
    days on market $389,000 Active 19 DOM
14. 2026-05-31
    days on market $389,000 Active 18 DOM
15. 2026-05-13
    listed $389,000 Active
16. 2024-12-11
    historical $2,500
17. 2024-11-15
    price $2,500
18. 2024-09-11
    listed $2,600
19. 2023-11-03
    historical $2,500
20. 2023-10-31
    price $2,500
21. 2023-10-20
    listed $2,700
22. 2023-10-05
    historical $2,700
23. 2023-09-16
    price $2,700
24. 2023-09-10
    listed $2,900

ⓘ 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: $2,274 · $190/mo
• Projected year-2 tax: $3,229 · $269/mo
• Expected delta: +$955/yr (+$80/mo · 42.0%)

ⓘ 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 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $35,785
• − Mortgage interest: −$21,790
• − Property taxes: −$2,274
• − Insurance: −$1,945
• − Repairs & maintenance: −$2,863
• − Management: −$2,863
• − HOA: −$708
• − Depreciation: −$11,316
• Taxable loss: −$7,974
• Est. tax savings @ 24.0%: +$1,914
• After-tax cash flow: $777/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: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — Bradenton

• Score: 81/100
• State rank: #101
• US rank: #1528

Category grades

Amenities F 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

• County: Manatee County · 416,364 people
• City population: 52,177
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 33,296
• Household income: $113,773
• Rent vs Own: 8.1% rent · 91.9% own
• Severe rent burden: 219.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Hispanic / Latino 11% Two or more races 8% Black 8% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3%
• Common ancestry: Romanian 4% Hispanic 2% Russian 2%
• Foreign-born: 10% · Canada, Dominican Republic, Jamaica
• Languages at home: 88% English-only · Spanish 7% French/Haitian/Cajun 2% Other Asian/Pacific 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -84.45%
• Current HPI: 271.7131
• Rent YoY: ▼ -0.95%
• Metro: North Port-Sarasota-Bradenton, 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

+13313.8% since first listed

10 events — show timeline

• 2026-05-13 Listed $389,000 Stellar MLS as Distributed by MLS Grid
• 2024-12-11 Rental Removed $2,500 STELLARMLS
• 2024-11-15 Price Changed $2,500 STELLARMLS
• 2024-09-11 Listed for Rent $2,600 STELLARMLS
• 2023-11-03 Rental Removed $2,500 STELLARMLS
• 2023-10-31 Price Changed $2,500 STELLARMLS
• 2023-10-20 Listed for Rent $2,700 STELLARMLS
• 2023-10-05 Rental Removed $2,700 STELLARMLS
• 2023-09-16 Price Changed $2,700 STELLARMLS
• 2023-09-10 Listed for Rent $2,900 STELLARMLS

Property tax history

+4.1%/yr

Latest (2025): $2,274 · +3.7% YoY. Source: county tax records.