26359 Eahnestock St · Hill 'n Dale, FL 34602

$210,000

2 bd · 2.0 ba · 899 sqft · SingleFamily public records · 83 Days on market

Built 1985 8,034 sqft lot Est $191k · 10% over

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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 +25.1/30.0
• DSCR +8.2/10.0
• 1% rule +6.0/10.0
• Schools +4.2/10.0
• ARV discount +2.9/15.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Rolling Acres Subdivision: 2 Bedroom 2 Bath 1 Car Garage Home featuring Cathedral Ceilings, Split Plan Design, Wood flooring & Ceramic Tile floors, Double Pane Windows, Kitchen including a Breakfast Bar & all Appliances, Spacious living room, Master Bedroom/Bath with Walk-in Shower & dual sinks, Guest Bath has tub/shower combo, Enclosed 16x12 Back Porch, Back Yard is fenced with chain link fencing and has a concrete slab ready for a Shed. Great location, just minutes to I75 making an easy commute to Tampa.

Key facts

• Split floor plan
• Florida room
• New ac system

Tags

• FLORIDA ROOM
• OVERSIZED GARAGE
• SPLIT FLOOR PLAN
• DOUBLE-PANE WINDOWS
• NEW ROOF
• NEW AC SYSTEM

Property features AI

Finance

• Other: Property type: Residential, single-family; Property sub-type: Single Family Residence; Property condition: Completed; Other structures: Kennel/dog run, shed(s); Zoning: R1B; Total acreage: under 1/4 acre (approx. 0.18 acres); Number of septics: 1
• Financial info: No lease restrictions indicated
• HOA & community: No HOA / association fees; Street lights in community; Pets allowed

Exterior

• Parking: Oversized garage with opener (1-car, approximately 13x22); Driveway
• Security: Smoke detector(s)
• Utilities: Public water; Septic tank; Electricity available and connected; Water available and connected; Sewer available and connected; Cable available
• Home design: Single-family residence; One story; East-facing; Completed condition; One slab foundation
• Construction: Frame construction with wood siding; Shingle roof; Built on slab foundation
• Exterior features: Private mailbox; Rain gutters; Sliding doors; Chain link and wood fencing; Mature landscaping; Asphalt road frontage; Flood zone (flood insurance required)

Interior

• Kitchen: Range; Microwave; Refrigerator; Stone countertops
• Bedrooms: 3 bedrooms
• Flooring: Concrete; Slate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; High ceilings; Open floorplan; Split bedroom layout; Stone countertops; Thermostat; Vaulted ceilings; Walk-in closets; Skylights; Double-pane windows; Drapes with rods; Smoke detectors
• Laundry & utility: Washer hookup; Dryer hookup (electric); Laundry area in garage; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $398 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $210k).
• Recommended offer: $197k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.9% vs local median 5.3% in Hill 'n Dale — 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: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Hernando (suburban): math 50% / reading 50% proficiency, ranked #38 of 73 in FL (top 52%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Eastside Elementary School (math 37% / reading 32%, grade F, #1,709 of 2,144 statewide, top 81%, 737 students, 73% FRL); Hernando High School (math 42% / reading 42%, grade F, #275 of 667 statewide, top 42%, 1,299 students, 58% FRL).
• Market conditions: 187 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 2,505 units permitted in Hernando County in 2024 (318 in 5+ unit buildings).

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.
• Hernando County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 83 days — a 6% lower offer ($197k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 18y ago; this cycle's ask has dropped $25k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $197,400 (6.0% below list)

Questions for the listing agent

1. It's been on market 83 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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.
6. 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.
7. 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: 1.10% ✓
• Cap rate: 8.95%
• Cash-on-cash: 9.48%
• DSCR: 1.42
• GRM: 7.6

CMA / ARV

• ARV (on-the-fly): $190,588
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
26340 Eahnestock St	0.05mi	2/2.0	960 (+7%)	20mo	$220,000	$229	70
26411 Bertram Rd	0.31mi	2/2.0	1,000 (+11%)	8mo	$155,000	$155	60
26416 Mcallister St	0.39mi	2/2.0	1,016 (+13%)	12mo	$256,000	$252	50
6429 Frank Ct	0.34mi	2/2.0	1,000 (+11%)	20mo	$210,000	$210	49
6340 Dakota Dr	0.49mi	3/2.0 (+1)	1,000 (+11%)	9mo	$215,000	$215	46
27168 Fernery Ave	0.67mi	3/2.0 (+1)	1,000 (+11%)	1mo	$190,000	$190	44
27083 Roper Rd	0.59mi	3/1.5 (+1)	1,000 (+11%)	4mo	$190,000	$190	43
27143 Wakefield Dr	0.60mi	2/1.5	1,000 (+11%)	10mo	$150,000	$150	43
27143 Thorncrest Ave	0.61mi	3/2.0 (+1)	1,000 (+11%)	12mo	$235,000	$235	38
27200 Fernery Ave	0.73mi	3/1.5 (+1)	1,000 (+11%)	3mo	$212,000	$212	37
27111 Wakefield Dr	0.54mi	3/2.0 (+1)	1,025 (+14%)	13mo	$220,000	$215	36
27167 Thorncrest Ave	0.65mi	3/2.0 (+1)	1,000 (+11%)	21mo	$199,990	$200	28

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -3.9%
• Equity multiple: 0.85×
• Total profit: $-8,650
• Equity at exit: $31,312

10-year hold

• IRR: 5.8%
• Equity multiple: 1.43×
• Total profit: $25,199
• Equity at exit: $18,157

Cash invested: $58,800 (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 34602

• Home prices YoY: -21.1%
• Active inventory: 187
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $2,308 medium
• Mortgage (P&I): −$1,101
• Tax from tax record: −$170 /mo · $2,038/yr
• Insurance: −$88
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$485
• Net cashflow: $398

Break-even live

Break-even rent $1,804

Max offer price $210,000

Occupancy floor 78%

Sensitivity live

Price	-10% $517	-5% $458	+0% $398	+5% $339	+10% $279
Rent	-10% $216	-5% $307	+0% $398	+5% $489	+10% $581
Rate	-1.0pp $504	-0.5pp $452	base $398	+0.5pp $344	+1.0pp $288

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
27008 Anthony Ave Brooksville, FL	3.0	2.0	1043	$1,795	$1.72	25d	1	0.43mi
6367 Enterprise Dr Unit 1234457P Brooksville, FL	3.0	2.0	1119	$3,367	$3.01	0d	1	0.46mi
27108 Simona Ave Brooksville, FL	3.0	1.0	1092	$1,700	$1.56	25d	1	0.62mi

Listing history 24 events

1. 2026-05-14
   status Pending
2. 2026-05-08
   price $210,000
3. 2026-04-28
   price $215,000
4. 2026-04-05
   price $220,000
5. 2026-03-05
   price $230,000
6. 2026-02-20
   listed $234,900 Active
7. 2022-12-02
   soldstatus $200,000
8. 2022-12-02
   soldstatus $200,000
9. 2019-11-11
   historical
10. 2018-01-05
    soldstatus $70,000
11. 2017-12-29
    soldstatus $70,000 529-char remark

    Show marketing remark (529 chars)

    Rolling Acres Subdivision: 2 Bedroom 2 Bath 1 Car Garage Home featuring Cathedral Ceilings, Split Plan Design, Wood flooring & Ceramic Tile floors, Double Pane Windows, Kitchen including a Breakfast Bar & all Appliances, Spacious living room, Master Bedroom/Bath with Walk-in Shower & dual sinks, Guest Bath has tub/shower combo, Enclosed 16x12 Back Porch, Back Yard is fenced with chain link fencing and has a concrete slab ready for a Shed. Great location, just minutes to I75 making an easy commute to Tampa.

12. 2017-12-29
    soldstatus $70,000

    Show marketing remark (529 chars)

    Rolling Acres Subdivision: 2 Bedroom 2 Bath 1 Car Garage Home featuring Cathedral Ceilings, Split Plan Design, Wood flooring & Ceramic Tile floors, Double Pane Windows, Kitchen including a Breakfast Bar & all Appliances, Spacious living room, Master Bedroom/Bath with Walk-in Shower & dual sinks, Guest Bath has tub/shower combo, Enclosed 16x12 Back Porch, Back Yard is fenced with chain link fencing and has a concrete slab ready for a Shed. Great location, just minutes to I75 making an easy commute to Tampa.

13. 2017-12-29
    soldstatus $70,000

    Show marketing remark (529 chars)

    Rolling Acres Subdivision: 2 Bedroom 2 Bath 1 Car Garage Home featuring Cathedral Ceilings, Split Plan Design, Wood flooring & Ceramic Tile floors, Double Pane Windows, Kitchen including a Breakfast Bar & all Appliances, Spacious living room, Master Bedroom/Bath with Walk-in Shower & dual sinks, Guest Bath has tub/shower combo, Enclosed 16x12 Back Porch, Back Yard is fenced with chain link fencing and has a concrete slab ready for a Shed. Great location, just minutes to I75 making an easy commute to Tampa.

14. 2017-07-15
    listed $74,900
15. 2017-07-11
    listed $74,900 529-char remark

    Show marketing remark (529 chars)

    Rolling Acres Subdivision: 2 Bedroom 2 Bath 1 Car Garage Home featuring Cathedral Ceilings, Split Plan Design, Wood flooring & Ceramic Tile floors, Double Pane Windows, Kitchen including a Breakfast Bar & all Appliances, Spacious living room, Master Bedroom/Bath with Walk-in Shower & dual sinks, Guest Bath has tub/shower combo, Enclosed 16x12 Back Porch, Back Yard is fenced with chain link fencing and has a concrete slab ready for a Shed. Great location, just minutes to I75 making an easy commute to Tampa.

16. 2017-07-11
    listed $74,900

    Show marketing remark (529 chars)

    Rolling Acres Subdivision: 2 Bedroom 2 Bath 1 Car Garage Home featuring Cathedral Ceilings, Split Plan Design, Wood flooring & Ceramic Tile floors, Double Pane Windows, Kitchen including a Breakfast Bar & all Appliances, Spacious living room, Master Bedroom/Bath with Walk-in Shower & dual sinks, Guest Bath has tub/shower combo, Enclosed 16x12 Back Porch, Back Yard is fenced with chain link fencing and has a concrete slab ready for a Shed. Great location, just minutes to I75 making an easy commute to Tampa.

17. 2014-01-27
    soldstatus $24,900
18. 2014-01-27
    soldstatus $24,900
19. 2014-01-27
    soldstatus $24,900
20. 2014-01-27
    listed $24,900
21. 2014-01-27
    listed $24,900
22. 2014-01-10
    listed $24,900
23. 2008-11-07
    listed $105,000
24. 1996-07-02
    soldstatus $39,000

ⓘ 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: $2,038 · $170/mo
• Projected year-2 tax: $2,038 · $170/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 9/10 Extreme FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 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

Taxation est. · year 1

• Rental income: $27,695
• − Mortgage interest: −$11,763
• − Property taxes: −$2,038
• − Insurance: −$1,847
• − Repairs & maintenance: −$2,216
• − Management: −$2,216
• − Depreciation: −$6,109
• Taxable income: $1,506
• Est. tax owed @ 24.0%: −$361
• After-tax cash flow: $4,417/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: Hernando
• NCES district ID: 1200810
• Math proficiency: 50% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $41,985
• Composite: 42.03/100
• National rank: #3329
• State rank: #38 of 73 in FL

Livability — Hill 'n Dale

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Hill 'n Dale, FL
• Population (ZIP): 10,391

Population outlook (Hernando County) Hauer SSP2

• Today (2025): 189,218 people
• By 2030: 194,367 · +2.7%
• By 2040: 203,398 · +7.5%
• By 2050: 209,589 · +10.8%
• By 2075: 218,452 · +15.4%
• By 2100: 205,923 · +8.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 14% Black 11% Two or more races 7%
• Hispanic origin (detail): Mexican 5% Puerto Rican 4% Cuban 2%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 1%
• Foreign-born: 5% · Canada, Dominican Republic, China
• Languages at home: 90% English-only · Spanish 8%

Political lean MEDSL · Hernando

• 2024 margin: Solid R (+37.0) · D 31.1% · R 68.2%
• 2008→2024 swing: -33.5pp toward R · 2008: -3.6pp · 2024: -37.0pp
• All cycles: 2024: R+37.0 2020: R+30.2 2016: R+29.0 2012: R+8.5 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -75.28%
• Current HPI: 282.3728
• 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

+438.5% since first listed

24 events — show timeline

• 2026-05-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-08 Price Changed $210,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-28 Price Changed $215,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-05 Price Changed $220,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-05 Price Changed $230,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-20 Listed $234,900 Stellar MLS as Distributed by MLS Grid
• 2022-12-02 Sold (Public Records) $200,000 Public Records
• 2022-12-02 Sold (Public Records) $200,000 Public Records
• 2019-11-11 Listing Removed — HCAR
• 2018-01-05 Sold (Public Records) $70,000 Public Records
• 2017-12-29 Sold (MLS) $70,000 St. Augustine and St. Johns County Board of REALTORS®
• 2017-12-29 Sold (MLS) $70,000 Stellar MLS as Distributed by MLS Grid
• 2017-12-29 Sold (MLS) $70,000 HCAR
• 2017-07-15 Listed $74,900 Stellar MLS as Distributed by MLS Grid
• 2017-07-11 Listed $74,900 St. Augustine and St. Johns County Board of REALTORS®
• 2017-07-11 Listed $74,900 HCAR
• 2014-01-27 Listed $24,900 HCAR
• 2014-01-27 Listed $24,900 St. Augustine and St. Johns County Board of REALTORS®
• 2014-01-27 Sold (MLS) $24,900 RACC
• 2014-01-27 Sold (MLS) $24,900 HCAR
• 2014-01-27 Sold (MLS) $24,900 St. Augustine and St. Johns County Board of REALTORS®
• 2014-01-10 Listed $24,900 RACC
• 2008-11-07 Listed $105,000 HCAR
• 1996-07-02 Sold (Public Records) $39,000 Public Records

Property tax history

+8.5%/yr

Latest (2025): $2,038 · -7.2% YoY. Source: county tax records.