9742 Highway 301 · Hampton, FL 32044

$80,000

2 bd · 1.0 ba · 1,512 sqft · SingleFamily public records · 57 Days on market

Built 1948 0.54 ac lot ↓ 6% since listing

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +9.5/10.0
• ARV discount +7.5/15.0
• Schools +3.6/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Charming 3-bedroom, 2-bath bungalow situated on just under a half-acre, fully fenced lot. This home offers a spacious kitchen and comfortably sized bedrooms with a shared bath layout. An additional versatile room with a closet provides the option for a 4th bedroom, office, or flex space. With ample outdoor space and a flexible floor plan, this property presents a great opportunity to make it your own.

Key facts

• 0.54 acre lot
• Built 1948
• Listed 57 days

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Off-street parking
• Utilities: Septic tank; Electricity available
• Home design: Single family residence; Residential use
• Exterior features: Front porch; Fenced yard with chain link fencing; Lot about 0.54 acres

Interior

• Kitchen: No appliances included
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Primary bathroom with tub and shower
• Laundry & utility: Electric dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $491 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Recommended offer: $78k (3.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 58/100 on livability (#842 in FL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+; Watch: crime D+, health & safety D, amenities F.
• Bradford (town): math 43% / reading 42% proficiency, ranked #57 of 73 in FL (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Bradford Middle School (math 45% / reading 36%, grade F, #360 of 571 statewide, top 64%, 660 students, 70% FRL); Bradford High School (math 33% / reading 38%, grade F, #367 of 667 statewide, top 57%, 790 students, 53% FRL) — zoned schools at 62% FRL track the district average.
• Market conditions: 15 active listings in the ZIP; 93 units permitted in Bradford County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $8k of equity ($553 loan paydown + $7k appreciation (8.9% local appreciation)).
• Bradford County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (8.9% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 5, paydown + projected appreciation supports a ~$35k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 57 days — a 3% lower offer ($78k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $5k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1948 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $77,600 (3.0% below list)

Questions for the listing agent

1. It's been on market 57 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1948 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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. 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: 1.58% ✓
• Cap rate: 13.66%
• Cash-on-cash: 26.32%
• DSCR: 2.17
• GRM: 5.3

CMA / ARV

• ARV (on-the-fly): $319,032
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6961 SW 100th Ter	0.54mi	2/2.0	1,504 (-0%)	12mo	$245,000	$163	60
6333 Fox Hollow Ct Ct	0.44mi	3/2.0 (+1)	1,371 (-9%)	8mo	$305,000	$222	48
10067 Fox Hollow DR Fox Hollow Dr	0.52mi	3/2.0 (+1)	1,394 (-8%)	13mo	$345,000	$247	42
6629 SE 91st	0.46mi	3/2.0 (+1)	1,400 (-7%)	22mo	$293,080	$209	39
10077 Fox Hollow Dr	0.54mi	3/2.0 (+1)	1,669 (+10%)	14mo	$352,566	$211	37
6626 SE 91st St	0.50mi	3/2.0 (+1)	1,400 (-7%)	24mo	$301,410	$215	36
6645 SE 91st	0.70mi	3/2.0 (+1)	1,400 (-7%)	19mo	$235,000	$168	30

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

8.95% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 42.5%
• Equity multiple: 4.09×
• Total profit: $69,164
• Equity at exit: $66,017

10-year hold

• IRR: 37.3%
• Equity multiple: 8.94×
• Total profit: $177,911
• Equity at exit: $136,381

Cash invested: $22,400 (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 32044

• Home prices YoY: 2.6%
• Active inventory: 15
• Price-to-rent: 5.3×

Monthly cashflow live

• Estimated rent: $1,267 medium
• Mortgage (P&I): −$420
• Tax from tax record: −$56 /mo · $678/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$266
• Net cashflow: $491

Break-even live

Break-even rent $645

Max offer price $80,000

Occupancy floor 56%

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: $20,000
• Closing costs: $2,400
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-18
   days on market $80,000 Active 57 DOM
2. 2026-06-17
   days on market $80,000 Active 56 DOM
3. 2026-06-16
   days on market $80,000 Active 55 DOM
4. 2026-06-15
   days on market $80,000 Active 54 DOM
5. 2026-06-14
   days on market $80,000 Active 52 DOM
6. 2026-06-13
   days on market $80,000 Active 51 DOM
7. 2026-06-10
   days on market $80,000 Active 49 DOM
8. 2026-06-09
   days on market $80,000 Active 48 DOM
9. 2026-06-08
   days on market $80,000 Active 47 DOM
10. 2026-06-07
    days on market $80,000 Active 46 DOM
11. 2026-06-03
    days on market $80,000 Active 42 DOM
12. 2026-06-02
    days on market $80,000 Active 41 DOM
13. 2026-06-01
    days on market $80,000 Active 40 DOM
14. 2026-05-31
    days on market $80,000 Active 39 DOM
15. 2026-05-30
    days on market $80,000 Active 38 DOM
16. 2026-05-20
    price $80,000
17. 2026-04-20
    listed $85,000 Active
18. 2026-04-16
    historical
19. 2026-03-26
    listed $85,000 Active

ⓘ 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: $678 · $56/mo
• Projected year-2 tax: $678 · $56/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 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,200
• − Mortgage interest: −$4,481
• − Property taxes: −$678
• − Insurance: −$400
• − Repairs & maintenance: −$1,216
• − Management: −$1,216
• − Depreciation: −$2,327
• Taxable income: $4,881
• Est. tax owed @ 24.0%: −$1,172
• After-tax cash flow: $4,724/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: Bradford
• NCES district ID: 1200120
• Math proficiency: 43% ▼ -9.00%
• Reading proficiency: 42% ▼ -3.00%
• Median HH income: $41,661
• Composite: 35.78/100
• National rank: #4840
• State rank: #57 of 73 in FL

Livability — Hampton

• Score: 58/100
• State rank: #842
• US rank: #20907

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 2,394

Population outlook (Bradford County) Hauer SSP2

• Today (2025): 24,999 people
• By 2030: 23,895 · -4.4%
• By 2040: 21,329 · -14.7%
• By 2050: 18,681 · -25.3%
• By 2075: 13,557 · -45.8%
• By 2100: 9,228 · -63.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (97%)
• Race & ethnicity: White 97% Two or more races 3%
• Common ancestry: Lithuanian 7% Romanian 2% Czech 2%
• Foreign-born: 1% · Canada

Political lean MEDSL · Bradford

• 2024 margin: Solid R (+57.2) · D 21.1% · R 78.4%
• 2008→2024 swing: -16.9pp toward R · 2008: -40.3pp · 2024: -57.2pp
• All cycles: 2024: R+57.2 2020: R+52.6 2016: R+49.5 2012: R+42.1 2008: R+40.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.95%
• Current HPI: 357.8883
• Rent YoY: —
• Metro: —
• 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

-5.9% since first listed

4 events — show timeline

• 2026-05-20 Price Changed $80,000 realMLS
• 2026-04-20 Listed $85,000 realMLS
• 2026-04-16 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-03-26 Listed $85,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+7.2%/yr

Latest (2025): $678 · +38.5% YoY. Source: county tax records.