5150 Gaineswood Dr · East Milton, FL 32583

$318,000

4 bd · 2.0 ba · 1,846 sqft · SingleFamily public records · 233 Days on market

Built 2023 0.33 ac lot Est $323k · at est. $12/mo HOA ↓ 1% since listing

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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 +11.2/30.0
• ARV discount +8.2/15.0
• Schools +5.3/10.0
• Livability +3.9/5.0
• Rent growth +3.6/5.0
• DSCR +3.3/10.0
• 1% rule +2.6/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

MOVE-IN READY, SKIP THE WAIT and instant BUILT-IN EQUITY! Why wait months for new construction when you can move in now? This 2023-built Cali model in East Milton offers the same layout and design as the nearby homes without the delays, uncertainty, or added costs. This 4-bedroom, 2-bath home delivers over 1,800sqft of open, functional living space designed for real life. Alongside a fully fenced-in backyard providing enhanced security, privacy, and safety for pets and children. What really makes this home stand out: Move-in ready - no construction timeline. Appliances, blinds, and features already in place. Established setting--no waiting on surrounding builds. Clean, well-maintained, and ready for immediate occupancy. Located in a growing East Milton community with convenient access to Pensacola, local bases, and major roadways. If you've been considering new construction, this is your opportunity to get the same home faster, simpler, and ready today. Schedule your showing now!

Key facts

• Spacious island
• Craftsman-style home
• Granite countertops

Tags

• CRAFTSMAN-STYLE HOME
• OPEN-CONCEPT LIVING AREA
• GRANITE COUNTERTOPS
• SPACIOUS ISLAND
• FULLY FENCED-IN BACKYARD

Property features AI

Finance

• Other: No road maintenance responsibility
• HOA & community: Homeowners association with an annual fee of $139; fee includes management

Exterior

• Parking: Attached 2-car garage; 2 total covered parking spaces
• Utilities: Public water; Septic tank sewer; Circuit breaker electrical service; Cable available
• Home design: Single-story home (one level); Resale property; Not attached to other properties; Homestead status; Green/energy-efficient features including insulation and ridge vent
• Construction: Built with brick and frame construction; Slab foundation
• Exterior features: Covered patio; Privacy backyard fencing; Back yard fencing; Shingle roof; Interior lot

Interior

• Kitchen: Granite counters; Kitchen island; Pantry; Dishwasher; Microwave; Refrigerator; Electric water heater; ENERGY STAR qualified dishwasher, refrigerator, appliances, and water heater
• Bedrooms: Master bedroom on the first floor; Two additional bedrooms on the first floor
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning; Ceiling fans (cooling assist); ENERGY STAR qualified equipment
• Interior features: Ceiling fans; Double-pane windows; Window blinds
• Laundry & utility: Indoor laundry with washer/dryer hookups

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $318k.

Deal economics

• At list price, monthly cash flow is $-124 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $296k (6.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $242k (24.0% below list).
• Recommended offer: $242k (24.0% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 4.6% in East Milton — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 77/100 on livability (#199 in FL, #3,139 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime C-, amenities C-, commute F.
• Santa Rosa (suburban): math 63% / reading 60% proficiency, ranked #8 of 73 in FL (top 11%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Martin Luther King Middle School (math 38% / reading 41%, grade F, #373 of 571 statewide, top 66%, 660 students, 69% FRL); Milton High School (math 44% / reading 42%, grade F, #255 of 667 statewide, top 39%, 2,085 students, 54% FRL) — zoned schools average 62% FRL vs 36% district-wide (25 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 41% at this address vs 62% district-wide (-20 pts) — the specific schools serving this property underperform the Santa Rosa average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising fast (+4.5%/yr); 822 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,983 units permitted in Santa Rosa County in 2024 (128 in 5+ unit buildings).
• This rent runs 34% of the median local income ($85k/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 $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Santa Rosa County population projected at +31% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 233 days — a 12% lower offer ($280k) is reasonable based on typical stale-listing flexibility.
• 6 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; moderate wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $241,806 (24.0% 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 233 days. Have you received any prior offers? Is the seller open to a 24% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. 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?
8. 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.
9. 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.
10. 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: 0.76% ✗
• Cap rate: 5.83%
• Cash-on-cash: -1.67%
• DSCR: 0.93
• GRM: 11.0

CMA / ARV

• ARV (on-the-fly): $323,050
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8676 Ephesus Way	0.28mi	4/2.0	1,856 (+0%)	3mo	$324,900	$175	84
8674 Galatia St	0.35mi	4/2.0	1,856 (+0%)	1mo	$319,900	$172	82
8660 Ephesus Way	0.32mi	4/2.0	1,856 (+0%)	3mo	$324,900	$175	82
8667 Galatia St	0.33mi	4/2.0	1,856 (+0%)	3mo	$319,900	$172	81
8668 Galatia St	0.32mi	4/3.0	1,968 (+7%)	1mo	$359,900	$183	69
9104 Tara Cir	0.54mi	3/2.0 (-1)	1,924 (+4%)	2mo	$350,000	$182	62
8673 Galatia St	0.32mi	4/3.0	2,035 (+10%)	4mo	$364,900	$179	61
8677 Philippi St	0.38mi	4/3.0	2,035 (+10%)	1mo	$369,900	$182	60
8664 Bluebell St	0.49mi	4/3.0	2,035 (+10%)	3mo	$383,060	$188	54
8680 Ephesus Way	0.27mi	5/3.0 (+1)	2,107 (+14%)	3mo	$344,900	$164	52
8662 Galatia St	0.34mi	5/3.0 (+1)	2,107 (+14%)	2mo	$349,600	$166	50
8682 Bluebell St	0.47mi	5/3.0 (+1)	2,107 (+14%)	3mo	$344,900	$164	43

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 · 4.53% rent growth · sell at horizon

5-year hold

• IRR: -17.5%
• Equity multiple: 0.37×
• Total profit: $-55,704
• Equity at exit: $47,415

10-year hold

• IRR: -7.2%
• Equity multiple: 0.52×
• Total profit: $-42,926
• Equity at exit: $27,495

Cash invested: $89,040 (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 32583

• Home prices YoY: -11.3%
• Rents YoY: 4.5%
• Active inventory: 822
• Price-to-rent: 11.0×

Monthly cashflow live

• Estimated rent: $2,418 high
• Mortgage (P&I): −$1,668
• Tax from tax record: −$222 /mo · $2,664/yr
• Insurance: −$132
• HOA: −$12
• Vacancy / Maint / Mgmt: −$508
• Net cashflow: $-124

Break-even live

Break-even rent $2,575

Max offer price $296,118

Occupancy floor —

Sensitivity live

Price	-10% $56	-5% $-34	+0% $-124	+5% $-214	+10% $-304
Rent	-10% $-315	-5% $-219	+0% $-124	+5% $-28	+10% $67
Rate	-1.0pp $36	-0.5pp $-43	base $-124	+0.5pp $-206	+1.0pp $-290

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: $79,500
• Closing costs: $9,540
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9330 Tara Cir Milton, FL	4.0	2.0	1786	$2,000	$1.12	15d	1	0.06mi
5199 Gaineswood Dr Milton, FL	3.0	2.0	2029	$2,200	$1.08	25d	1	0.15mi
5533 Silverbell Dr Milton, FL	5.0	3.0	2143	$2,450	$1.14	25d	1	0.20mi
8839 Longmont Way Milton, FL	4.0	3.0	2302	$2,375	$1.03	25d	1	0.28mi
8617 Tarsus Dr Milton, FL	4.0	2.0	1830	$2,200	$1.20	25d	1	0.38mi
8616 Tarsus Dr Milton, FL	5.0	3.0	2554	$2,995	$1.17	25d	1	0.39mi
8795 Florida 87 Fl -87 Milton, FL	3.0	2.0	1911	$5,000	$2.62	25d	1	1.39mi

HOA detail

• Monthly dues: $12 · $144/yr
• Likely covers: security

Listing history 42 events

1. 2026-06-18
   remarks 699-char remark
2. 2026-06-18
   statusdays on marketlisting id $318,000 Pending 233 DOM
3. 2026-06-18
   days on market $318,000 Active 231 DOM
4. 2026-06-17
   days on market $318,000 Active 230 DOM
5. 2026-06-16
   days on market $318,000 Active 229 DOM
6. 2026-06-15
   days on market $318,000 Active 228 DOM
7. 2026-06-14
   days on market $318,000 Active 226 DOM
8. 2026-06-10
   days on market $318,000 Active 223 DOM
9. 2026-06-09
   days on market $318,000 Active 222 DOM
10. 2026-06-08
    days on market $318,000 Active 221 DOM
11. 2026-06-07
    days on market $318,000 Active 220 DOM
12. 2026-06-05
    days on market $318,000 Active 217 DOM
13. 2026-06-03
    days on market $318,000 Active 216 DOM
14. 2026-06-02
    days on market $318,000 Active 215 DOM
15. 2026-06-01
    days on market $318,000 Active 214 DOM
16. 2026-05-31
    days on market $318,000 Active 213 DOM
17. 2026-05-31
    days on market $318,000 Active 212 DOM
18. 2026-03-16
    price $318,000 994-char remark

    Show marketing remark (994 chars)

    MOVE-IN READY, SKIP THE WAIT and instant BUILT-IN EQUITY! Why wait months for new construction when you can move in now? This 2023-built Cali model in East Milton offers the same layout and design as the nearby homes without the delays, uncertainty, or added costs. This 4-bedroom, 2-bath home delivers over 1,800sqft of open, functional living space designed for real life. Alongside a fully fenced-in backyard providing enhanced security, privacy, and safety for pets and children. What really makes this home stand out: Move-in ready - no construction timeline. Appliances, blinds, and features already in place. Established setting--no waiting on surrounding builds. Clean, well-maintained, and ready for immediate occupancy. Located in a growing East Milton community with convenient access to Pensacola, local bases, and major roadways. If you've been considering new construction, this is your opportunity to get the same home faster, simpler, and ready today. Schedule your showing now!

19. 2026-03-15
    price $318,000
20. 2025-11-20
    status Active

    Show marketing remark (994 chars)

    MOVE-IN READY, SKIP THE WAIT and instant BUILT-IN EQUITY! Why wait months for new construction when you can move in now? This 2023-built Cali model in East Milton offers the same layout and design as the nearby homes without the delays, uncertainty, or added costs. This 4-bedroom, 2-bath home delivers over 1,800sqft of open, functional living space designed for real life. Alongside a fully fenced-in backyard providing enhanced security, privacy, and safety for pets and children. What really makes this home stand out: Move-in ready - no construction timeline. Appliances, blinds, and features already in place. Established setting--no waiting on surrounding builds. Clean, well-maintained, and ready for immediate occupancy. Located in a growing East Milton community with convenient access to Pensacola, local bases, and major roadways. If you've been considering new construction, this is your opportunity to get the same home faster, simpler, and ready today. Schedule your showing now!

21. 2025-11-20
    status Active 994-char remark

    Show marketing remark (994 chars)

    MOVE-IN READY, SKIP THE WAIT and instant BUILT-IN EQUITY! Why wait months for new construction when you can move in now? This 2023-built Cali model in East Milton offers the same layout and design as the nearby homes without the delays, uncertainty, or added costs. This 4-bedroom, 2-bath home delivers over 1,800sqft of open, functional living space designed for real life. Alongside a fully fenced-in backyard providing enhanced security, privacy, and safety for pets and children. What really makes this home stand out: Move-in ready - no construction timeline. Appliances, blinds, and features already in place. Established setting--no waiting on surrounding builds. Clean, well-maintained, and ready for immediate occupancy. Located in a growing East Milton community with convenient access to Pensacola, local bases, and major roadways. If you've been considering new construction, this is your opportunity to get the same home faster, simpler, and ready today. Schedule your showing now!

22. 2025-11-14
    status Pending

    Show marketing remark (994 chars)

    MOVE-IN READY, SKIP THE WAIT and instant BUILT-IN EQUITY! Why wait months for new construction when you can move in now? This 2023-built Cali model in East Milton offers the same layout and design as the nearby homes without the delays, uncertainty, or added costs. This 4-bedroom, 2-bath home delivers over 1,800sqft of open, functional living space designed for real life. Alongside a fully fenced-in backyard providing enhanced security, privacy, and safety for pets and children. What really makes this home stand out: Move-in ready - no construction timeline. Appliances, blinds, and features already in place. Established setting--no waiting on surrounding builds. Clean, well-maintained, and ready for immediate occupancy. Located in a growing East Milton community with convenient access to Pensacola, local bases, and major roadways. If you've been considering new construction, this is your opportunity to get the same home faster, simpler, and ready today. Schedule your showing now!

23. 2025-11-14
    status Pending 994-char remark

    Show marketing remark (994 chars)

    MOVE-IN READY, SKIP THE WAIT and instant BUILT-IN EQUITY! Why wait months for new construction when you can move in now? This 2023-built Cali model in East Milton offers the same layout and design as the nearby homes without the delays, uncertainty, or added costs. This 4-bedroom, 2-bath home delivers over 1,800sqft of open, functional living space designed for real life. Alongside a fully fenced-in backyard providing enhanced security, privacy, and safety for pets and children. What really makes this home stand out: Move-in ready - no construction timeline. Appliances, blinds, and features already in place. Established setting--no waiting on surrounding builds. Clean, well-maintained, and ready for immediate occupancy. Located in a growing East Milton community with convenient access to Pensacola, local bases, and major roadways. If you've been considering new construction, this is your opportunity to get the same home faster, simpler, and ready today. Schedule your showing now!

24. 2025-10-24
    listed $321,000 Active
25. 2025-10-22
    listed $321,000 Active 994-char remark

    Show marketing remark (994 chars)

    MOVE-IN READY, SKIP THE WAIT and instant BUILT-IN EQUITY! Why wait months for new construction when you can move in now? This 2023-built Cali model in East Milton offers the same layout and design as the nearby homes without the delays, uncertainty, or added costs. This 4-bedroom, 2-bath home delivers over 1,800sqft of open, functional living space designed for real life. Alongside a fully fenced-in backyard providing enhanced security, privacy, and safety for pets and children. What really makes this home stand out: Move-in ready - no construction timeline. Appliances, blinds, and features already in place. Established setting--no waiting on surrounding builds. Clean, well-maintained, and ready for immediate occupancy. Located in a growing East Milton community with convenient access to Pensacola, local bases, and major roadways. If you've been considering new construction, this is your opportunity to get the same home faster, simpler, and ready today. Schedule your showing now!

26. 2023-10-23
    soldstatus $320,900 Sold 726-char remark

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

27. 2023-10-23
    soldstatus $320,900 Sold

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

28. 2023-09-27
    status Pending

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

29. 2023-09-27
    status Pending 726-char remark

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

30. 2023-09-25
    price $320,900
31. 2023-08-28
    price $330,900 726-char remark

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

32. 2023-08-28
    price $330,900

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

33. 2023-08-01
    price $329,900 726-char remark

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

34. 2023-08-01
    price $329,900

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

35. 2023-07-10
    price $327,900 726-char remark

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

36. 2023-07-10
    price $327,900

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

37. 2023-06-26
    price $325,900 726-char remark

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

38. 2023-06-26
    price $325,900

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

39. 2023-06-12
    price $324,900 726-char remark

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

40. 2023-06-12
    price $324,900

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

41. 2023-06-08
    listed $321,900 Active 726-char remark

    Show marketing remark (726 chars)

    NEW CONSTRUCTION in Plantation Woods! The charming Cali is one of our most popular & highly desirable Open Designs. 4 bedrooms, 2 baths, covered patio & a 2-car garage. The Smart Home Connect System includes several Smart Home convenient devices. BEAUTIFUL & well-designed kitchen offers relaxed living with a lg. island bar, quite dishwasher, all stainless appliances, pantry, Nice Granite & a roomy dining area. Spacious bedroom 1 & the adjoining bath feature a walk-in closet, extra storage closet, double sinks, beautiful Granite vanity, large shower. Striking wood-look flooring throughout & Friese carpet in the bedrooms. No wasted space & very nice amenities. GREAT CURB APPEAL. MUST SEE.

42. 2023-06-07
    listed $321,900 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: $2,664 · $222/mo
• Projected year-2 tax: $2,664 · $222/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 9/10 Extreme 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,017
• − Mortgage interest: −$17,813
• − Property taxes: −$2,664
• − Insurance: −$1,590
• − Repairs & maintenance: −$2,321
• − Management: −$2,321
• − HOA: −$144
• − Depreciation: −$9,251
• Taxable loss: −$7,088
• Est. tax savings @ 24.0%: +$1,701
• After-tax cash flow: $215/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: Santa Rosa
• NCES district ID: 1201650
• Math proficiency: 63% ▼ -6.00%
• Reading proficiency: 60% ▼ -5.00%
• Median HH income: $58,161
• Composite: 53.12/100
• National rank: #1511
• State rank: #8 of 73 in FL

Livability — East Milton

• Score: 77/100
• State rank: #199
• US rank: #3139

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: East Milton, FL
• County: Santa Rosa County · 194,764 people
• City population: 31,415
• Metro: Pensacola-Ferry Pass-Brent, FL
• Population (ZIP): 31,828
• Household income: $85,440
• Rent vs Own: 12.9% rent · 87.1% own
• Severe rent burden: 122.0

Population outlook (Santa Rosa County) Hauer SSP2

• Today (2025): 195,978 people
• By 2030: 209,782 · +7.0%
• By 2040: 235,293 · +20.1%
• By 2050: 256,408 · +30.8%
• By 2075: 298,074 · +52.1%
• By 2100: 303,216 · +54.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Black 11% Two or more races 10% Hispanic / Latino 6% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2% Cuban 1%
• Common ancestry: Italian 3% Slovak 2% Serbian 2%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 3%

Political lean MEDSL · Santa Rosa

• 2024 margin: Solid R (+51.0) · D 24.1% · R 75.0%
• 2008→2024 swing: -3.0pp toward R · 2008: -47.9pp · 2024: -51.0pp
• All cycles: 2024: R+51.0 2020: R+46.5 2016: R+53.5 2012: R+52.6 2008: R+47.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -38.35%
• Current HPI: 301.8819
• Rent YoY: ▲ 4.53%
• Metro: Pensacola-Ferry Pass-Brent, 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

-1.2% since first listed

25 events — show timeline

• 2026-03-16 Price Changed $318,000 ECAR
• 2026-03-15 Price Changed $318,000 PARMLS
• 2025-11-20 Relisted — PARMLS
• 2025-11-20 Relisted — ECAR
• 2025-11-14 Pending — PARMLS
• 2025-11-14 Pending — ECAR
• 2025-10-24 Listed $321,000 PARMLS
• 2025-10-22 Listed $321,000 ECAR
• 2023-10-23 Sold (MLS) $320,900 PARMLS
• 2023-10-23 Sold (MLS) $320,900 ECAR
• 2023-09-27 Pending — PARMLS
• 2023-09-27 Pending — ECAR
• 2023-09-25 Price Changed $320,900 PARMLS
• 2023-08-28 Price Changed $330,900 ECAR
• 2023-08-28 Price Changed $330,900 PARMLS
• 2023-08-01 Price Changed $329,900 ECAR
• 2023-08-01 Price Changed $329,900 PARMLS
• 2023-07-10 Price Changed $327,900 ECAR
• 2023-07-10 Price Changed $327,900 PARMLS
• 2023-06-26 Price Changed $325,900 ECAR
• 2023-06-26 Price Changed $325,900 PARMLS
• 2023-06-12 Price Changed $324,900 ECAR
• 2023-06-12 Price Changed $324,900 PARMLS
• 2023-06-08 Listed $321,900 ECAR
• 2023-06-07 Listed $321,900 PARMLS

Property tax history

+180.8%/yr

Latest (2025): $2,664 · +3.8% YoY. Source: county tax records.