4955 Lanett Dr · Bellview, FL 32526

$5,000

4 bd · 2.0 ba · 1,696 sqft · SingleFamily public records · 8 Days on market

Built 1978 8,712 sqft lot

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Rent growth +3.6/5.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

BIG PRICE REDUCTION, GREAT VALUE! * All Brick Exterior for Low Maintenance and Beauty * 4 Bedrooms off Central Hallway * Kitchen has breakfast bar and opens to Dining Area, Spacious Pantry Closet, Newer Range (Dec 2010)* Has both a Family Room and Living Room * 5 Ceiling Fans * Roof Replaced Oct 2002 * Oversized 1 Car Garage with Garage Door Opener & 2 Remotes * Large Covered Patio (23'x12') to enjoy outdoor activities * Spacious Yard perfect for a garden, pool or playground area * Backyard is Completely Privacy Fenced * Quiet Interior Street in La Villa Roble neighborhood * Sidewalks throughout the neighborhood * Large Park nearby with Playground, Track, Softball and Basketball Areas * One Year Home Warranty Provided by Seller *

Key facts

• 8,712 sq ft lot
• Garage
• Built 1978

Property features AI

Finance

• Other: Zoning: MDR

Exterior

• Parking: Garage (1 car)
• Utilities: Other water source; Other sewer
• Home design: Single-family residence; One level; Residential property
• Construction: Construction details: See remarks
• Exterior features: Front porch; Other roof

Interior

• Bedrooms: Total rooms: 1
• Flooring: Other flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: No heating; No cooling
• Interior features: Other flooring

🏷️ Possibly a rental listed for sale. The $5,000 price doesn't fit this home's estimated sale value (~$259,488) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $2k ($18k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $5k).
• Cap rate 375.7% vs local median 5.2% in Bellview — 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 67/100 on livability (#561 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D+, amenities F, commute 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; 15 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 32% 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 $35 of loan paydown is wiped out by about $150 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.
• At projected returns (-3.0% appreciation + 4.4% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 14y 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; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $5,000

Questions for the listing agent

1. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 39.84% ✓
• Cap rate: 375.69%
• Cash-on-cash: 1319.28%
• DSCR: 59.70
• GRM: 0.2

CMA / ARV

• ARV (on-the-fly): $259,488
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5940 Muldoon Rd	0.32mi	3/2.0 (-1)	1,684 (-1%)	3mo	$273,000	$162	77
5800 Avondale Rd	0.50mi	4/2.0	1,700 (+0%)	1mo	$110,000	$65	75
5000 Stevendale Rd	0.56mi	3/2.0 (-1)	1,699 (+0%)	6mo	$225,000	$132	64
5686 Ventura Ln	0.33mi	5/2.0 (+1)	1,824 (+8%)	7mo	$260,000	$143	61
4960 La Ventana Ct	0.23mi	3/2.0 (-1)	1,448 (-15%)	3mo	$249,000	$172	58
4655 Kimberly Dr	0.52mi	4/2.0	1,850 (+9%)	5mo	$270,000	$146	57
5224 Westwind Cir	0.61mi	3/2.0 (-1)	1,595 (-6%)	2mo	$289,000	$181	56
5233 Westwind Cir	0.56mi	3/2.0 (-1)	1,550 (-9%)	1mo	$237,500	$153	54
6044 Champion Oaks Dr	0.49mi	5/2.0 (+1)	1,512 (-11%)	1mo	$200,000	$132	53
5142 Stevendale Rd	0.71mi	3/2.0 (-1)	1,639 (-3%)	4mo	$260,000	$159	53
5687 Nicholas Ln	0.54mi	3/2.0 (-1)	1,863 (+10%)	4mo	$155,000	$83	50
5030 Stevendale Rd	0.59mi	3/2.0 (-1)	1,539 (-9%)	4mo	$260,000	$169	48

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: —
• Equity multiple: 72.53×
• Total profit: $100,136
• Equity at exit: $746

10-year hold

• IRR: —
• Equity multiple: 162.24×
• Total profit: $225,741
• Equity at exit: $432

Cash invested: $1,400 (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: 0.2×

Monthly cashflow live

• Estimated rent: $1,992 high
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• HOA: −$0
• Vacancy / Maint / Mgmt: −$418
• Net cashflow: $1,539

Break-even live

Break-even rent $44

Max offer price $5,000

Occupancy floor 18%

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: $1,250
• Closing costs: $150
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4856 Genevive Ct Pensacola, FL	3.0	2.0	1900	$1,850	$0.97	14d	1	0.11mi
5217 Saufley Field Rd Pensacola, FL	4.0	2.5	1817	$1,895	$1.04	23d	1	0.54mi
5184 Regalo Dr Pensacola, FL	3.0	2.0	1504	$1,900	$1.26	23d	1	0.54mi
6077 Royal Port Ct Pensacola, FL	3.0	2.5	1542	$1,775	$1.15	23d	1	0.60mi
6081 Royal Port Ct Pensacola, FL	3.0	2.5	1428	$1,850	$1.30	23d	1	0.60mi
5404 N Blue Angel Pkwy Pensacola, FL	3.0	1.0	1120	$1,275	$1.14	23d	1	0.80mi
3219 Fresno Ave Pensacola, FL	3.0	2.0	1192	$1,375	$1.15	23d	1	0.83mi
3230 Palmdale Ave Pensacola, FL	3.0	2.0	1300	$1,500	$1.15	23d	1	0.83mi
6225 Mobile Hwy Pensacola, FL	1.0–3.0	1.0–2.0	1036	$2,595	$2.50	14d	15	0.84mi
5519 Lexlee Blvd Pensacola, FL	3.0	2.5	1543	$1,850	$1.20	23d	1	0.96mi
6379 Mers Ln Pensacola, FL	3.0	2.5	1811	$1,900	$1.05	21d	1	0.99mi
5604 Scotland Ter Pensacola, FL	3.0	2.0	1231	$1,600	$1.30	14d	1	1.13mi
5172 Zachary Blvd Pensacola, FL	3.0	2.0	1803	$1,900	$1.05	23d	1	1.25mi
1860 Broyhill Ln Pensacola, FL	3.0	2.0	1561	$1,600	$1.02	23d	1	1.43mi
2702 Massachusetts Ave Pensacola, FL	1.0–3.0	1.0–2.5	1150	$1,745	$1.52	14d	9	1.46mi

Listing history 8 events

1. 2026-06-02
   days on market $5,000 Active 8 DOM
2. 2026-06-01
   days on market $5,000 Active 7 DOM
3. 2026-05-31
   days on market $5,000 Active 6 DOM
4. 2026-05-31
   days on market $5,000 Active 5 DOM
5. 2026-05-25
   listed $5,000 Active
6. 2012-07-19
   soldstatus $83,000 743-char remark

   Show marketing remark (743 chars)

   BIG PRICE REDUCTION, GREAT VALUE! * All Brick Exterior for Low Maintenance and Beauty * 4 Bedrooms off Central Hallway * Kitchen has breakfast bar and opens to Dining Area, Spacious Pantry Closet, Newer Range (Dec 2010)* Has both a Family Room and Living Room * 5 Ceiling Fans * Roof Replaced Oct 2002 * Oversized 1 Car Garage with Garage Door Opener & 2 Remotes * Large Covered Patio (23'x12') to enjoy outdoor activities * Spacious Yard perfect for a garden, pool or playground area * Backyard is Completely Privacy Fenced * Quiet Interior Street in La Villa Roble neighborhood * Sidewalks throughout the neighborhood * Large Park nearby with Playground, Track, Softball and Basketball Areas * One Year Home Warranty Provided by Seller *

7. 2012-03-13
   listed $89,000 743-char remark

   Show marketing remark (743 chars)

   BIG PRICE REDUCTION, GREAT VALUE! * All Brick Exterior for Low Maintenance and Beauty * 4 Bedrooms off Central Hallway * Kitchen has breakfast bar and opens to Dining Area, Spacious Pantry Closet, Newer Range (Dec 2010)* Has both a Family Room and Living Room * 5 Ceiling Fans * Roof Replaced Oct 2002 * Oversized 1 Car Garage with Garage Door Opener & 2 Remotes * Large Covered Patio (23'x12') to enjoy outdoor activities * Spacious Yard perfect for a garden, pool or playground area * Backyard is Completely Privacy Fenced * Quiet Interior Street in La Villa Roble neighborhood * Sidewalks throughout the neighborhood * Large Park nearby with Playground, Track, Softball and Basketball Areas * One Year Home Warranty Provided by Seller *

8. 1903-01-01
   soldstatus $36,900

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°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: $23,905
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$25
• − Repairs & maintenance: −$1,912
• − Management: −$1,912
• − Depreciation: −$145
• Taxable income: $19,554
• Est. tax owed @ 24.0%: −$4,693
• After-tax cash flow: $13,777/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 — Bellview

• Score: 67/100
• State rank: #561
• US rank: #10731

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bellview, FL
• 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

-86.4% since first listed

4 events — show timeline

• 2026-05-25 Listed $5,000 HAOR as distributed by MLS GRID
• 2012-07-19 Sold (MLS) $83,000 PARMLS
• 2012-03-13 Listed $89,000 PARMLS
• 1903-01-01 Sold (Public Records) $36,900 Public Records

Property tax history

+3.7%/yr

Latest (2025): $869 · +22.3% YoY. Source: county tax records.