7902 Burnside Loop · Gonzalez, FL 32526

$325,000

4 bd · 2.0 ba · 1,916 sqft · SingleFamily public records · 55 Days on market

Built 2022 6,534 sqft lot $170/sqft · 11% below area Est $366k · 11% under $167/mo HOA · 7% of rent ↓ 18% 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).

• ARV discount +12.5/15.0
• Cash flow +7.4/30.0
• Rent growth +3.6/5.0
• Schools +3.6/10.0
• Livability +3.6/5.0
• 1% rule +2.5/10.0
• Condition / age +2.5/5.0
• DSCR +1.5/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

PHASE 3 now open! The Dover plan is a versatile 1884 sq ft home with 3 bedrooms, 2 baths and a flex space. The flex room is just behind the kitchen, making it perfect for a home office, workout room, or a den. Bedroom 1 has a private bath with an easy access tile shower, garden tub, double sink vanity and a spacious walk-in closet. This home is built with our Smart Home technology package which includes a video doorbell, Wi-Fi controlled thermostat, garage door opener, keyless entry, two light switches and control panel. Antietam is a unique community with a gated entrance, community pool, putting green, walking trails and the HOA maintains your lawn with mowing, edging and bi-annual fertilization. Enjoy the easy, luxurious life at Antietam. This home is currently under construction.

Key facts

• Gated neighborhood
• Built in microwave
• Community pool

Tags

• GATED NEIGHBORHOOD
• COMMUNITY POOL
• PRIVATE BACK YARD
• GRANITE COUNTERTOPS
• BAR AREA FOR SEATING
• BUILT IN MICROWAVE

Property features AI

Finance

• Other: Property sits on approximately 0.15 acres; Building area approximately 1,916 square feet
• HOA & community: Homeowners association with an annual fee of $2,000; HOA covers association services, grounds maintenance, and management; Community amenities include pool, pavilion/gazebo, and sidewalks

Exterior

• Parking: Attached 2-car garage with garage door opener; Front entrance access; Two covered parking spaces (total 2 parking spaces)
• Security: Gated community (main gate with keypad access)
• Utilities: Public water; Public sewer; Copper electrical wiring; Underground utilities; Paved road access on a privately maintained road
• Home design: Single-story (one level); Resale single-family property; Not attached to another property; Ridge vent (energy-efficient feature)
• Construction: Built with frame construction; Slab foundation; Shingle roof
• Exterior features: Covered patio/porch; Back yard fencing; Central access to lot

Interior

• Kitchen: Granite counters; Pantry; Built-in microwave; Dishwasher; Refrigerator; Breakfast bar / Eat-in kitchen
• Bedrooms: Primary bedroom on the first floor; Second bedroom on the first floor; Third bedroom on the first floor
• Flooring: Carpet
• Bathrooms: Two full bathrooms
• Heating & cooling: Central heating; Central air; Ceiling fan(s)
• Interior features: Baseboards; Recessed lighting; Office/Study; Shutters on windows
• Laundry & utility: Laundry inside with washer/dryer hookups; Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $325k.

Deal economics

• At list price, monthly cash flow is $-420 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $251k (22.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $243k (25.3% below list).
• Recommended offer: $243k (25.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 71/100 on livability (#385 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A; Watch: amenities F, commute F, health & safety F.
• Escambia (suburban): math 40% / reading 45% proficiency, ranked #56 of 73 in FL (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+4.4%/yr); 417 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).
• This rent runs 39% of the median local income ($75k/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.
• Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($315k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y 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→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $242,775 (25.3% 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 55 days. Have you received any prior offers? Is the seller open to a 25% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.75% ✗
• Cap rate: 4.74%
• Cash-on-cash: -5.54%
• DSCR: 0.75
• GRM: 11.2

CMA / ARV

• ARV (median comp): $365,842
• List price: $325,000
• Delta: -11.16%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7823 Burnside Loop	0.11mi	3/2.0 (-1)	1,884 (-2%)	8mo	$289,900	$154	81
7822 Burnside Loop	0.13mi	3/2.0 (-1)	1,870 (-2%)	5mo	$320,000	$171	81
7737 Burnside Loop	0.13mi	4/2.0	2,018 (+5%)	9mo	$375,000	$186	78
7990 Burnside Loop	0.22mi	3/2.0 (-1)	1,884 (-2%)	6mo	$310,000	$165	77
7695 Burnside Loop	0.22mi	3/2.0 (-1)	1,794 (-6%)	6mo	$325,000	$181	69
8018 Burnside Loop	0.29mi	4/2.0	2,047 (+7%)	8mo	$330,000	$161	68
7708 Burnside Loop	0.19mi	4/2.0	2,130 (+11%)	7mo	$365,000	$171	66
7275 Frank Reeder Rd	0.35mi	5/2.0 (+1)	2,020 (+5%)	9mo	$130,000	$64	62
7975 Burnside Loop	0.18mi	3/2.0 (-1)	1,643 (-14%)	4mo	$305,000	$186	59
6879 Fort Deposit Dr	0.67mi	4/2.0	1,860 (-3%)	9mo	$335,000	$180	56
9777 Windy Hill Rd	0.58mi	5/3.0 (+1)	2,012 (+5%)	2mo	$372,900	$185	54
9544 Tower Ridge Rd	0.74mi	3/2.0 (-1)	1,748 (-9%)	5mo	$325,000	$186	42

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 · 4.42% rent growth · sell at horizon

5-year hold

• IRR: -24.1%
• Equity multiple: 0.17×
• Total profit: $-75,830
• Equity at exit: $48,459

10-year hold

• IRR: -15.6%
• Equity multiple: 0.06×
• Total profit: $-85,272
• Equity at exit: $28,100

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 32526

• Home prices YoY: -28.3%
• Rents YoY: 4.4%
• Active inventory: 417
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $2,428 medium
• Mortgage (P&I): −$1,704
• Tax from tax record: −$332 /mo · $3,979/yr
• Insurance: −$135
• HOA: −$167
• Vacancy / Maint / Mgmt: −$510
• Net cashflow: $-420

Break-even live

Break-even rent $2,960

Max offer price $250,731

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 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7068 Whitetail Run Dr Pensacola, FL	4.0	2.0	1815	$2,300	$1.27	13d	1	0.71mi
10921 Blacktail Loop Pensacola, FL	4.0	2.0	1787	$2,350	$1.32	21d	1	1.23mi
9470 Lutoo Ln Pensacola, FL	4.0	2.0	1774	$2,300	$1.30	23d	1	1.33mi
4041 Whitetail Ln Pensacola, FL	4.0	2.0	1787	$2,020	$1.13	23d	1	1.37mi

HOA detail

• Monthly dues: $167 · $2,004/yr
• Likely covers: internetpoolsecurity

Listing history 21 events

1. 2026-06-18
   days on market $325,000 Active 55 DOM
2. 2026-06-17
   days on market $325,000 Active 54 DOM
3. 2026-06-16
   days on market $325,000 Active 53 DOM
4. 2026-06-15
   days on market $325,000 Active 52 DOM
5. 2026-06-14
   days on market $325,000 Active 50 DOM
6. 2026-06-10
   days on market $325,000 Active 47 DOM
7. 2026-06-09
   pricedays on market $325,000 Active 46 DOM
8. 2026-06-08
   days on market $337,000 Active 45 DOM
9. 2026-06-07
   days on market $337,000 Active 44 DOM
10. 2026-06-03
    days on market $337,000 Active 40 DOM
11. 2026-06-02
    days on market $337,000 Active 39 DOM
12. 2026-06-01
    days on market $337,000 Active 38 DOM
13. 2026-05-31
    days on market $337,000 Active 37 DOM
14. 2026-05-31
    days on market $337,000 Active 36 DOM
15. 2026-04-25
    listed $337,000 Active 921-char remark
16. 2022-05-31
    soldstatus $393,000 Sold 794-char remark

    Show marketing remark (794 chars)

    PHASE 3 now open! The Dover plan is a versatile 1884 sq ft home with 3 bedrooms, 2 baths and a flex space. The flex room is just behind the kitchen, making it perfect for a home office, workout room, or a den. Bedroom 1 has a private bath with an easy access tile shower, garden tub, double sink vanity and a spacious walk-in closet. This home is built with our Smart Home technology package which includes a video doorbell, Wi-Fi controlled thermostat, garage door opener, keyless entry, two light switches and control panel. Antietam is a unique community with a gated entrance, community pool, putting green, walking trails and the HOA maintains your lawn with mowing, edging and bi-annual fertilization. Enjoy the easy, luxurious life at Antietam. This home is currently under construction.

17. 2022-02-24
    listed $396,430 794-char remark

    Show marketing remark (794 chars)

    PHASE 3 now open! The Dover plan is a versatile 1884 sq ft home with 3 bedrooms, 2 baths and a flex space. The flex room is just behind the kitchen, making it perfect for a home office, workout room, or a den. Bedroom 1 has a private bath with an easy access tile shower, garden tub, double sink vanity and a spacious walk-in closet. This home is built with our Smart Home technology package which includes a video doorbell, Wi-Fi controlled thermostat, garage door opener, keyless entry, two light switches and control panel. Antietam is a unique community with a gated entrance, community pool, putting green, walking trails and the HOA maintains your lawn with mowing, edging and bi-annual fertilization. Enjoy the easy, luxurious life at Antietam. This home is currently under construction.

18. 2022-02-24
    price $396,430 794-char remark

    Show marketing remark (794 chars)

    PHASE 3 now open! The Dover plan is a versatile 1884 sq ft home with 3 bedrooms, 2 baths and a flex space. The flex room is just behind the kitchen, making it perfect for a home office, workout room, or a den. Bedroom 1 has a private bath with an easy access tile shower, garden tub, double sink vanity and a spacious walk-in closet. This home is built with our Smart Home technology package which includes a video doorbell, Wi-Fi controlled thermostat, garage door opener, keyless entry, two light switches and control panel. Antietam is a unique community with a gated entrance, community pool, putting green, walking trails and the HOA maintains your lawn with mowing, edging and bi-annual fertilization. Enjoy the easy, luxurious life at Antietam. This home is currently under construction.

19. 2022-02-24
    historical 794-char remark

    Show marketing remark (794 chars)

    PHASE 3 now open! The Dover plan is a versatile 1884 sq ft home with 3 bedrooms, 2 baths and a flex space. The flex room is just behind the kitchen, making it perfect for a home office, workout room, or a den. Bedroom 1 has a private bath with an easy access tile shower, garden tub, double sink vanity and a spacious walk-in closet. This home is built with our Smart Home technology package which includes a video doorbell, Wi-Fi controlled thermostat, garage door opener, keyless entry, two light switches and control panel. Antietam is a unique community with a gated entrance, community pool, putting green, walking trails and the HOA maintains your lawn with mowing, edging and bi-annual fertilization. Enjoy the easy, luxurious life at Antietam. This home is currently under construction.

20. 2022-02-24
    listed $373,900 Active

    Show marketing remark (794 chars)

    PHASE 3 now open! The Dover plan is a versatile 1884 sq ft home with 3 bedrooms, 2 baths and a flex space. The flex room is just behind the kitchen, making it perfect for a home office, workout room, or a den. Bedroom 1 has a private bath with an easy access tile shower, garden tub, double sink vanity and a spacious walk-in closet. This home is built with our Smart Home technology package which includes a video doorbell, Wi-Fi controlled thermostat, garage door opener, keyless entry, two light switches and control panel. Antietam is a unique community with a gated entrance, community pool, putting green, walking trails and the HOA maintains your lawn with mowing, edging and bi-annual fertilization. Enjoy the easy, luxurious life at Antietam. This home is currently under construction.

21. 2022-02-24
    historical

    Show marketing remark (794 chars)

    PHASE 3 now open! The Dover plan is a versatile 1884 sq ft home with 3 bedrooms, 2 baths and a flex space. The flex room is just behind the kitchen, making it perfect for a home office, workout room, or a den. Bedroom 1 has a private bath with an easy access tile shower, garden tub, double sink vanity and a spacious walk-in closet. This home is built with our Smart Home technology package which includes a video doorbell, Wi-Fi controlled thermostat, garage door opener, keyless entry, two light switches and control panel. Antietam is a unique community with a gated entrance, community pool, putting green, walking trails and the HOA maintains your lawn with mowing, edging and bi-annual fertilization. Enjoy the easy, luxurious life at Antietam. This home is currently under construction.

ⓘ 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: $3,979 · $332/mo
• Projected year-2 tax: $3,979 · $332/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 10/10 Extreme 7 d/yr ≥106°F today · 23 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: $29,133
• − Mortgage interest: −$18,205
• − Property taxes: −$3,979
• − Insurance: −$1,625
• − Repairs & maintenance: −$2,331
• − Management: −$2,331
• − HOA: −$2,004
• − Depreciation: −$9,455
• Taxable loss: −$10,796
• Est. tax savings @ 24.0%: +$2,591
• After-tax cash flow: $-2,454/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: Escambia
• NCES district ID: 1200510
• Math proficiency: 40% ▼ -9.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $44,649
• Composite: 36.04/100
• National rank: #4773
• State rank: #56 of 73 in FL

Livability — Gonzalez

• Score: 71/100
• State rank: #385
• US rank: #6813

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Escambia County · 301,722 people
• Metro: Pensacola-Ferry Pass-Brent, FL
• Population (ZIP): 44,680
• Household income: $75,098
• Rent vs Own: 23.8% rent · 76.2% own
• Severe rent burden: 1166.0

Population outlook (Escambia County) Hauer SSP2

• Today (2025): 334,637 people
• By 2030: 345,779 · +3.3%
• By 2040: 364,828 · +9.0%
• By 2050: 378,514 · +13.1%
• By 2075: 403,220 · +20.5%
• By 2100: 386,125 · +15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (66%)
• Race & ethnicity: White 66% Black 19% Two or more races 8% Hispanic / Latino 5% Asian 3%
• Common ancestry: Lithuanian 2% Slovak 2% Serbian 2%
• Foreign-born: 5% · Canada, China
• Languages at home: 94% English-only · Spanish 2% Tagalog/Filipino 1% Other Indo-European 1%

Political lean MEDSL · Escambia

• 2024 margin: R (+19.5) · D 39.7% · R 59.2% · Other 1.1%
• 2008→2024 swing: -0.2pp no change · 2008: -19.3pp · 2024: -19.5pp
• All cycles: 2024: R+19.5 2020: R+15.1 2016: R+20.6 2012: R+20.6 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -99.68%
• Current HPI: 252.6406
• Rent YoY: ▲ 4.42%
• 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

-18.0% since first listed

8 events — show timeline

• 2026-06-09 Price Changed $325,000 PARMLS
• 2026-04-25 Listed $337,000 PARMLS
• 2022-05-31 Sold (MLS) $393,000 PARMLS
• 2022-02-24 Listing Removed — PARMLS
• 2022-02-24 Listed $373,900 PARMLS
• 2022-02-24 Listed $396,430 PARMLS
• 2022-02-24 Price Changed $396,430 PARMLS
• 2022-02-24 Listing Removed — PARMLS

Property tax history

-4.6%/yr

Latest (2025): $3,979 · +7.7% YoY. Source: county tax records.