1539 Peach Creek Dr · Deltona, FL 32764

$325,000

3 bd · 2.0 ba · 1,330 sqft · SingleFamily public records · 103 Days on market

Built 2024 5,752 sqft lot $105/mo HOA · 5% of rent ↓ 5% 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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Cash flow +6.2/30.0
• Schools +3.9/10.0
• Livability +3.6/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.1/10.0
• DSCR +0.6/10.0

Listing remarks MLS

One or more photo(s) has been virtually staged. Under Construction. The Dawn checks all your boxes! This single-level show-stopper features a generous open floorplan shared between the living room, dining room and kitchen. This allows for effortless transition between spaces and makes multitasking a breeze. With three bedrooms in total, this home is great for small and growing families. This home comes fully equipped with Everything Included Features like new appliances, solid surface countertops throughout and standard tile flooring in the wet areas. Welcome to the peace and tranquility of Vineland Reserve. Homeowners enjoy exclusive access to beautifully landscaped common areas, perfect for picnics. There will be a resort-style swimming pool with cabana area. For family-friendly living, the community is less than two miles from local schools. The warm waters of Blue Spring State Park are close by. There are numerous preserves and conservation areas. This provides endless recreational opportunities, including horseback riding, hiking, fishing and boating.

Key facts

• Quartz countertops
• Split floor plan
• Tall cabinets

Tags

• SPLIT FLOOR PLAN
• OPEN-CONCEPT LAYOUT
• TALL CABINETS
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• LARGE ISLAND

Property features AI

Finance

• Financial info: No lease restrictions indicated
• HOA & community: Monthly HOA fee of $105 (Association: Gyneen Goodwin LCA); Street lights in the community; Pets allowed

Exterior

• Parking: Attached 2-car garage (approx. 21 x 20)
• Utilities: Public water; Public sewer; Electricity connected; Cable connected; BB/HS internet available; Phone available; Underground utilities; Water connected; Sewer connected
• Home design: Single family residence; One story; Faces east
• Construction: Block, concrete and stucco construction; Shingle roof; Slab foundation; Built on less than 1/4 acre lot (approx. 0.13 acre)
• Exterior features: Sidewalk; Irrigation equipment; Asphalt / paved road access

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Eat-in kitchen; Living room / dining room combo; Solid wood cabinets; Stone countertops; Thermostat
• Laundry & utility: Inside laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $325k.

Deal economics

• At list price, monthly cash flow is $-585 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $222k (31.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $230k (29.3% below list).
• Recommended offer: $222k (31.8% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 71/100 on livability (#381 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F.
• Volusia (suburban): math 44% / reading 49% proficiency, ranked #47 of 73 in FL (top 64%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Osteen Elementary School (math 54% / reading 56%, grade C, #872 of 2,144 statewide, top 42%, 469 students, 60% FRL); Pine Ridge High School (math 19% / reading 38%, grade F, #458 of 667 statewide, top 69%, 1,636 students, 54% FRL).
• Market conditions: 85 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 3,402 units permitted in Volusia County in 2024 (681 in 5+ unit buildings).

Forward outlook

• In year one you build about $35k of equity ($2k loan paydown + $32k appreciation (10.0% local appreciation)).
• Volusia County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$56k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 103 days — a 9% lower offer ($296k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y 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; major 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 $221,574 (31.8% 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 103 days. Have you received any prior offers? Is the seller open to a 32% 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 D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.71% ✗
• Cap rate: 4.13%
• Cash-on-cash: -7.72%
• DSCR: 0.66
• GRM: 11.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 18.9%
• Equity multiple: 2.54×
• Total profit: $139,845
• Equity at exit: $292,786

10-year hold

• IRR: 17.5%
• Equity multiple: 5.85×
• Total profit: $441,404
• Equity at exit: $631,404

Cash invested: $91,000 (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 32764

• Home prices YoY: 11.7%
• Active inventory: 85
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $2,299 medium
• Mortgage (P&I): −$1,704
• Tax from tax record: −$457 /mo · $5,483/yr
• Insurance: −$135
• HOA: −$105
• Vacancy / Maint / Mgmt: −$483
• Net cashflow: $-585

Break-even live

Break-even rent $3,040

Max offer price $221,574

Occupancy floor —

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: $81,250
• Closing costs: $9,750
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3031 Staten Dr Deltona, FL	3.0	2.0	1706	$2,299	$1.35	5d	1	0.70mi

HOA detail

• Monthly dues: $105 · $1,260/yr
• Likely covers: waterpool

Listing history 10 events

1. 2026-05-05
   status Pending
2. 2026-02-25
   price $325,000
3. 2026-02-10
   price $329,900
4. 2026-01-22
   listed $335,000 Active
5. 2024-05-28
   soldstatus $319,940 Closed 1072-char remark

   Show marketing remark (1072 chars)

   One or more photo(s) has been virtually staged. Under Construction. The Dawn checks all your boxes! This single-level show-stopper features a generous open floorplan shared between the living room, dining room and kitchen. This allows for effortless transition between spaces and makes multitasking a breeze. With three bedrooms in total, this home is great for small and growing families. This home comes fully equipped with Everything Included Features like new appliances, solid surface countertops throughout and standard tile flooring in the wet areas. Welcome to the peace and tranquility of Vineland Reserve. Homeowners enjoy exclusive access to beautifully landscaped common areas, perfect for picnics. There will be a resort-style swimming pool with cabana area. For family-friendly living, the community is less than two miles from local schools. The warm waters of Blue Spring State Park are close by. There are numerous preserves and conservation areas. This provides endless recreational opportunities, including horseback riding, hiking, fishing and boating.

6. 2024-03-12
   status Pending 1072-char remark

   Show marketing remark (1072 chars)

   One or more photo(s) has been virtually staged. Under Construction. The Dawn checks all your boxes! This single-level show-stopper features a generous open floorplan shared between the living room, dining room and kitchen. This allows for effortless transition between spaces and makes multitasking a breeze. With three bedrooms in total, this home is great for small and growing families. This home comes fully equipped with Everything Included Features like new appliances, solid surface countertops throughout and standard tile flooring in the wet areas. Welcome to the peace and tranquility of Vineland Reserve. Homeowners enjoy exclusive access to beautifully landscaped common areas, perfect for picnics. There will be a resort-style swimming pool with cabana area. For family-friendly living, the community is less than two miles from local schools. The warm waters of Blue Spring State Park are close by. There are numerous preserves and conservation areas. This provides endless recreational opportunities, including horseback riding, hiking, fishing and boating.

7. 2024-03-06
   price $309,440 1072-char remark

   Show marketing remark (1072 chars)

   One or more photo(s) has been virtually staged. Under Construction. The Dawn checks all your boxes! This single-level show-stopper features a generous open floorplan shared between the living room, dining room and kitchen. This allows for effortless transition between spaces and makes multitasking a breeze. With three bedrooms in total, this home is great for small and growing families. This home comes fully equipped with Everything Included Features like new appliances, solid surface countertops throughout and standard tile flooring in the wet areas. Welcome to the peace and tranquility of Vineland Reserve. Homeowners enjoy exclusive access to beautifully landscaped common areas, perfect for picnics. There will be a resort-style swimming pool with cabana area. For family-friendly living, the community is less than two miles from local schools. The warm waters of Blue Spring State Park are close by. There are numerous preserves and conservation areas. This provides endless recreational opportunities, including horseback riding, hiking, fishing and boating.

8. 2024-02-24
   price $329,440 1072-char remark

   Show marketing remark (1072 chars)

   One or more photo(s) has been virtually staged. Under Construction. The Dawn checks all your boxes! This single-level show-stopper features a generous open floorplan shared between the living room, dining room and kitchen. This allows for effortless transition between spaces and makes multitasking a breeze. With three bedrooms in total, this home is great for small and growing families. This home comes fully equipped with Everything Included Features like new appliances, solid surface countertops throughout and standard tile flooring in the wet areas. Welcome to the peace and tranquility of Vineland Reserve. Homeowners enjoy exclusive access to beautifully landscaped common areas, perfect for picnics. There will be a resort-style swimming pool with cabana area. For family-friendly living, the community is less than two miles from local schools. The warm waters of Blue Spring State Park are close by. There are numerous preserves and conservation areas. This provides endless recreational opportunities, including horseback riding, hiking, fishing and boating.

9. 2024-02-20
   price $333,440 1072-char remark

   Show marketing remark (1072 chars)

   One or more photo(s) has been virtually staged. Under Construction. The Dawn checks all your boxes! This single-level show-stopper features a generous open floorplan shared between the living room, dining room and kitchen. This allows for effortless transition between spaces and makes multitasking a breeze. With three bedrooms in total, this home is great for small and growing families. This home comes fully equipped with Everything Included Features like new appliances, solid surface countertops throughout and standard tile flooring in the wet areas. Welcome to the peace and tranquility of Vineland Reserve. Homeowners enjoy exclusive access to beautifully landscaped common areas, perfect for picnics. There will be a resort-style swimming pool with cabana area. For family-friendly living, the community is less than two miles from local schools. The warm waters of Blue Spring State Park are close by. There are numerous preserves and conservation areas. This provides endless recreational opportunities, including horseback riding, hiking, fishing and boating.

10. 2024-02-12
    listed $343,440 Active 1072-char remark

    Show marketing remark (1072 chars)

    One or more photo(s) has been virtually staged. Under Construction. The Dawn checks all your boxes! This single-level show-stopper features a generous open floorplan shared between the living room, dining room and kitchen. This allows for effortless transition between spaces and makes multitasking a breeze. With three bedrooms in total, this home is great for small and growing families. This home comes fully equipped with Everything Included Features like new appliances, solid surface countertops throughout and standard tile flooring in the wet areas. Welcome to the peace and tranquility of Vineland Reserve. Homeowners enjoy exclusive access to beautifully landscaped common areas, perfect for picnics. There will be a resort-style swimming pool with cabana area. For family-friendly living, the community is less than two miles from local schools. The warm waters of Blue Spring State Park are close by. There are numerous preserves and conservation areas. This provides endless recreational opportunities, including horseback riding, hiking, fishing and boating.

ⓘ 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: $5,483 · $457/mo
• Projected year-2 tax: $5,483 · $457/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 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥106°F today · 20 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,588
• − Mortgage interest: −$18,205
• − Property taxes: −$5,483
• − Insurance: −$1,625
• − Repairs & maintenance: −$2,207
• − Management: −$2,207
• − HOA: −$1,260
• − Depreciation: −$9,455
• Taxable loss: −$12,854
• Est. tax savings @ 24.0%: +$3,085
• After-tax cash flow: $-3,941/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: Volusia
• NCES district ID: 1201920
• Math proficiency: 44% ▼ -9.00%
• Reading proficiency: 49% ▼ -3.00%
• Median HH income: $42,946
• Composite: 39.2/100
• National rank: #4019
• State rank: #47 of 73 in FL

Livability — Deltona

• Score: 71/100
• State rank: #381
• US rank: #6749

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Deltona, FL
• City population: 101,355
• Population (ZIP): 2,744

Population outlook (Volusia County) Hauer SSP2

• Today (2025): 572,749 people
• By 2030: 598,695 · +4.5%
• By 2040: 644,880 · +12.6%
• By 2050: 681,451 · +19.0%
• By 2075: 759,957 · +32.7%
• By 2100: 778,902 · +36.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (87%)
• Race & ethnicity: White 87% Hispanic / Latino 7% Two or more races 6% Black 2%
• Hispanic origin (detail): Puerto Rican 2% Cuban 3%
• Common ancestry: Slovak 5% Lithuanian 3% Italian 3%
• Foreign-born: 5% · Canada, Jamaica
• Languages at home: 94% English-only · Spanish 4% French/Haitian/Cajun 1%

Political lean MEDSL · Volusia

• 2024 margin: Strong R (+21.8) · D 38.7% · R 60.5%
• 2008→2024 swing: -27.4pp toward R · 2008: 5.7pp · 2024: -21.8pp
• All cycles: 2024: R+21.8 2020: R+14.1 2016: R+13.1 2012: R+1.2 2008: D+5.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 55.42%
• Current HPI: 531.22
• 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

-5.4% since first listed

10 events — show timeline

• 2026-05-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-25 Price Changed $325,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-10 Price Changed $329,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-22 Listed $335,000 Stellar MLS as Distributed by MLS Grid
• 2024-05-28 Sold (MLS) $319,940 Stellar MLS as Distributed by MLS Grid
• 2024-03-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-03-06 Price Changed $309,440 Stellar MLS as Distributed by MLS Grid
• 2024-02-24 Price Changed $329,440 Stellar MLS as Distributed by MLS Grid
• 2024-02-20 Price Changed $333,440 Stellar MLS as Distributed by MLS Grid
• 2024-02-12 Listed $343,440 Stellar MLS as Distributed by MLS Grid

Property tax history

+248.1%/yr

Latest (2025): $5,483 · +397.6% YoY. Source: county tax records.