3277 Alberta St · Bartow, FL 33830

$265,000

3 bd · 2.0 ba · 1,443 sqft · Land · 89 Days on market

Built 2026 5,250 sqft lot

---

Why this score? — see what drove the F 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).

• ARV discount +7.5/15.0
• Cash flow +7.3/30.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• 1% rule +2.1/10.0
• DSCR +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. NEW CONSTRUCTION – NO HOA – NO CDD! This meticulously designed 3-bedroom, 2-bathroom home was built with your lifestyle and storage needs in mind. It features a dedicated private office, walk-in closets in every bedroom, plus four additional storage closets and a large inside laundry/utility room. Step inside to a seamless open-concept floor plan with beautiful, yet durable, luxury vinyl plank (LVP) flooring—completely carpet-free for easy maintenance. The kitchen boasts granite countertops, ample cabinetry, and a full stainless steel appliance package. Both bathrooms also offer granite countertops. Built to today’s energy sta

Key facts

• Private office
• New construction
• Walk-in closets

Tags

• NEW CONSTRUCTION
• PRIVATE OFFICE
• WALK-IN CLOSETS
• STORAGE CLOSETS
• INSIDE LAUNDRY UTILITY ROOM
• OPEN-CONCEPT FLOOR PLAN

Property features AI

Finance

• Other: Property type: Residential, single family; Lot size approximately 0.12 acres (105 x 50); Living area approximately 1,443 (builder source); total building area approximately 1,525 (builder source)
• HOA & community: No association; Pets allowed (cats and dogs permitted)

Exterior

• Parking: Driveway
• Utilities: Public water; Septic tank; Electricity connected; Cable available; Broadband/high-speed internet available; Water connected
• Home design: Single-family residence; One story; North-facing
• Construction: Block and stucco construction; Shingle roof; Slab foundation; New construction (completed)
• Exterior features: Covered front porch; Landscaped, level lot; Paved driveway and paved road access; Lot is in-county

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans; Eat-in kitchen; High ceilings; Kitchen/family room combo; Living room/dining room combo; Open floorplan; Solid wood cabinets; Stone counters; Walk-in closets; Window treatments; Blinds; Double-pane windows; ENERGY STAR windows
• Laundry & utility: Inside laundry room with washer and electric dryer hookups; Inside utility / laundry space

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath land listed at $265k.

Deal economics

• At list price, monthly cash flow is $-351 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $214k (19.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $187k (29.3% below list).
• Recommended offer: $187k (29.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#526 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, crime D-, amenities F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Eagle Lake Elementary School (math 49% / reading 40%, grade F, #1,288 of 2,144 statewide, top 62%, 697 students, 59% FRL); Bartow Middle School (math 33% / reading 36%, grade F, #421 of 571 statewide, top 74%, 1,046 students, 63% FRL); Bartow Senior High School (math 26% / reading 46%, grade F, #359 of 667 statewide, top 55%, 2,125 students, 44% FRL) — zoned schools at 55% FRL track the district average.
• Market conditions: Rents rising (+2.7%/yr); 392 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 35% of the median local income ($64k/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 $8k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 89 days — a 6% lower offer ($249k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $16k; list at $265k implies a 1556% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $187,345 (29.3% 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 89 days. Have you received any prior offers? Is the seller open to a 29% concession, seller financing, or rate buy-down credit?
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. 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: 0.71% ✗
• Cap rate: 4.70%
• Cash-on-cash: -5.68%
• DSCR: 0.75
• GRM: 11.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.72% rent growth · sell at horizon

5-year hold

• IRR: -26.3%
• Equity multiple: 0.11×
• Total profit: $-65,816
• Equity at exit: $39,512

10-year hold

• IRR: -24.3%
• Equity multiple: -0.19×
• Total profit: $-88,157
• Equity at exit: $22,912

Cash invested: $74,200 (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 33830

• Home prices YoY: -19.8%
• Rents YoY: 2.7%
• Active inventory: 392
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $1,873 high
• Mortgage (P&I): −$1,390
• Tax est. 1.5%: −$331 /mo · $3,975/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$393
• Net cashflow: $-351

Break-even live

Break-even rent $2,318

Max offer price $214,162

Occupancy floor —

Sensitivity live

Price	-10% $-168	-5% $-260	+0% $-351	+5% $-443	+10% $-534
Rent	-10% $-499	-5% $-425	+0% $-351	+5% $-277	+10% $-203
Rate	-1.0pp $-218	-0.5pp $-284	base $-351	+0.5pp $-420	+1.0pp $-490

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: $66,250
• Closing costs: $7,950
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3280 Denmark St Bartow, FL	3.0	1.5	936	$1,500	$1.60	25d	1	0.05mi
4189 Radford Rd Bartow, FL	3.0	2.5	1486	$1,800	$1.21	5d	1	0.25mi
5320 Laurel Oak Dr Winter Haven, FL	3.0	2.0	1508	$1,650	$1.09	25d	1	1.17mi
509 Kensington View Dr Winter Haven, FL	3.0	2.0	1604	$1,809	$1.13	5d	1	1.25mi
233 Kensington View Blvd Winter Haven, FL	3.0	2.0	1491	$1,975	$1.32	25d	1	1.27mi
304 Kensington View Dr Winter Haven, FL	3.0	2.0	1678	$1,889	$1.13	5d	1	1.28mi
449 Kensington View Dr Winter Haven, FL	3.0	2.0	1541	$1,889	$1.23	5d	1	1.32mi
257 Spirit Landings Cir Winter Haven, FL	3.0	2.0	1690	$2,250	$1.33	25d	1	1.36mi
519 Patton Loop Bartow, FL	3.0	2.0	1560	$1,998	$1.28	5d	1	1.41mi
212 Pershing St Bartow, FL	4.0	2.0	1826	$2,100	$1.15	25d	1	1.44mi
303 Corbel Ln Bartow, FL	3.0	2.0	1350	$1,731	$1.28	5d	1	1.45mi
328 Corbel Ln Eagle Lake, FL	3.0	2.0	1589	$1,676	$1.05	23d	1	1.46mi

Listing history 16 events

1. 2026-06-15
   status $265,000 Pending 89 DOM
2. 2026-06-15
   days on market $265,000 Active 89 DOM
3. 2026-06-13
   days on market $265,000 Active 87 DOM
4. 2026-06-10
   days on market $265,000 Active 84 DOM
5. 2026-06-09
   days on market $265,000 Active 83 DOM
6. 2026-06-08
   days on market $265,000 Active 82 DOM
7. 2026-06-07
   days on market $265,000 Active 81 DOM
8. 2026-06-05
   days on market $265,000 Active 78 DOM
9. 2026-06-03
   pricedays on market $265,000 Active 77 DOM
10. 2026-06-03
    days on market $275,000 Active 76 DOM
11. 2026-06-01
    days on market $275,000 Active 75 DOM
12. 2026-05-31
    days on market $275,000 Active 74 DOM
13. 2026-04-09
    price $275,000
14. 2026-03-18
    listed $285,000 Active
15. 2024-10-22
    soldstatus $16,000
16. 2024-05-13
    soldstatus $14,500

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 23 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,481
• − Mortgage interest: −$14,844
• − Property taxes: −$3,975
• − Insurance: −$1,325
• − Repairs & maintenance: −$1,799
• − Management: −$1,799
• − Depreciation: −$7,709
• Taxable loss: −$8,969
• Est. tax savings @ 24.0%: +$2,153
• After-tax cash flow: $-2,063/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: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Bartow

• Score: 68/100
• State rank: #526
• US rank: #9835

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Polk County · 740,051 people
• City population: 33,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 33,740
• Household income: $63,918
• Rent vs Own: 31.1% rent · 68.9% own
• Severe rent burden: 681.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 55% Hispanic / Latino 22% Black 18% Two or more races 13% Asian 2%
• Hispanic origin (detail): Mexican 13% Puerto Rican 5%
• Common ancestry: Italian 3% Slovak 1% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -82.47%
• Current HPI: 333.3392
• Rent YoY: ▲ 2.72%
• Metro: Lakeland-Winter Haven, 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

+1796.6% since first listed

4 events — show timeline

• 2026-04-09 Price Changed $275,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-18 Listed $285,000 Stellar MLS as Distributed by MLS Grid
• 2024-10-22 Sold (Public Records) $16,000 Public Records
• 2024-05-13 Sold (Public Records) $14,500 Public Records

Property tax history

+10.5%/yr

Latest (2025): $130 · -25.3% YoY. Source: county tax records.