None · Deltona, FL 32725

$145,000

3 bd · 2.0 ba · 1,288 sqft · SingleFamily public records · 4 Days on market

Built 1969 0.25 ac lot

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Why this score? — see what drove the C+ 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 +24.0/30.0
• 1% rule +8.3/10.0
• DSCR +7.7/10.0
• ARV discount +7.5/15.0
• Schools +3.9/10.0
• Livability +3.6/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. Short Sale. SHORT SALE. Third party approval required. 3 bedroom, 2 bath, 3 car garage POOL home! Screened porch with nice yard overlooking a pond. Home has some foundation issues. Home is close proximity to Shopping centers and main street arteries. Equidistant from Daytona Beach and Orlando.

Key facts

• Overlooking a pond
• Main street arteries
• Screened porch

Tags

• SCREENED PORCH
• OVERLOOKING A POND
• MAIN STREET ARTERIES

Property features AI

Finance

• Other: Property is homesteaded; Public-record living area: 1,288 (units reported in listing); Building area reported as 3,712 (units reported in listing)
• HOA & community: Located in the Deltona Lakes development; No HOA association indicated

Exterior

• Parking: Attached garage with 3 spaces
• Security: Closed circuit camera(s)
• Utilities: Water connected; Electricity available and connected; Septic tank; Canal/lake irrigation water source
• Home design: Single family residence; One story; North-facing
• Construction: Block construction; Shingle roof; Slab foundation; Built on lot of approximately 0.25 acres
• Exterior features: Outdoor lighting; Screen-enclosed in-ground gunite pool; Private pool

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric heating; Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; Closed circuit camera(s) (security)
• Laundry & utility: Dedicated laundry room; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $145k.

Deal economics

• At list price, monthly cash flow is $283 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $145k).

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: schools D+, 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.
• Market conditions: Rents flat; 415 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 3,402 units permitted in Volusia County in 2024 (681 in 5+ unit buildings).
• This rent runs 32% of the median local income ($73k/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 $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Volusia County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 4 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: property tax is 3.5% of price.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,000

Questions for the listing agent

1. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 1.33% ✓
• Cap rate: 8.63%
• Cash-on-cash: 8.36%
• DSCR: 1.37
• GRM: 6.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.61% rent growth · sell at horizon

5-year hold

• IRR: -6.7%
• Equity multiple: 0.76×
• Total profit: $-9,840
• Equity at exit: $21,620

10-year hold

• IRR: -1.0%
• Equity multiple: 0.94×
• Total profit: $-2,397
• Equity at exit: $12,537

Cash invested: $40,600 (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 32725

• Rents YoY: 0.6%
• Active inventory: 415
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,932 high
• Mortgage (P&I): −$760
• Tax from tax record: −$422 /mo · $5,067/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$406
• Net cashflow: $283

Break-even live

Break-even rent $1,574

Max offer price $145,000

Occupancy floor 80%

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1367 Gainesville Dr Deltona, FL	2.0	1.0	1176	$1,695	$1.44	23d	1	0.08mi
1656 Brentlawn St Deltona, FL	2.0	1.5	1004	$1,900	$1.89	11d	1	0.46mi
1162 Hampshire Ave Deltona, FL	2.0	1.0	950	$1,450	$1.53	14d	1	0.46mi
1511 Lavilla St Deltona, FL	2.0	2.0	1008	$1,800	$1.79	21d	1	0.60mi
1312 Saxon Blvd Deltona, FL	3.0	1.5	966	$1,800	$1.86	23d	1	0.70mi
1551 Ortega Ave Deltona, FL	3.0	2.0	1815	$2,300	$1.27	23d	1	0.78mi
1778 Belspring Ave Deltona, FL	4.0	2.0	1750	$2,100	$1.20	23d	1	0.89mi
821 Moongate Ter Deltona, FL	3.0	1.0	960	$1,499	$1.56	14d	1	1.05mi
1383 Providence Blvd Deltona, FL	3.0	2.0	1120	$1,800	$1.61	23d	1	1.15mi
1123 Wycliffe St Deltona, FL	3.0	2.0	1172	$2,095	$1.79	18d	1	1.18mi
872 Abbott Ave Deltona, FL	4.0	1.0	1500	$1,850	$1.23	23d	1	1.19mi
1021 Giovanni St Deltona, FL	4.0	2.0	1378	$1,890	$1.37	23d	1	1.26mi
1007 Matterhorn St Deltona, FL	3.0	2.0	1462	$2,050	$1.40	23d	1	1.28mi
1842 Giles St Deltona, FL	3.0	2.0	1209	$1,820	$1.51	23d	1	1.29mi
1051 Shepherd Ave Deltona, FL	3.0	2.0	1316	$1,761	$1.34	11d	1	1.30mi
951 Halstead St Deltona, FL	3.0	1.0	1000	$1,550	$1.55	23d	1	1.42mi
1417 Ambassador Ave Deltona, FL	3.0	2.0	884	$1,800	$2.04	23d	1	1.48mi

Listing history 5 events

1. 2026-06-15
   remarks 334-char remark
2. 2026-06-15
   status $145,000 Pending 4 DOM
3. 2026-06-14
   days on market $145,000 Active 4 DOM
4. 2026-06-10
   remarks 294-char remark
5. 2026-06-10
   listed $145,000 Active 1 DOM

ⓘ 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: $5,067 · $422/mo
• Projected year-2 tax: $5,067 · $422/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 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°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 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,179
• − Mortgage interest: −$8,122
• − Property taxes: −$5,067
• − Insurance: −$725
• − Repairs & maintenance: −$1,854
• − Management: −$1,854
• − Depreciation: −$4,218
• Taxable income: $1,338
• Est. tax owed @ 24.0%: −$321
• After-tax cash flow: $3,073/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
• County: Volusia County · 556,871 people
• City population: 101,355
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• Population (ZIP): 51,987
• Household income: $73,152
• Rent vs Own: 21.3% rent · 78.7% own
• Severe rent burden: 1051.0

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: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 45% Hispanic / Latino 39% Two or more races 12% Black 10% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 23% Cuban 4% Dominican 3%
• Common ancestry: Romanian 1% Lithuanian 1% Serbian 1%
• Foreign-born: 13% · Canada, Jamaica, Vietnam
• Languages at home: 66% English-only · Spanish 30% Vietnamese 1% Other Indo-European 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: ▼ -195.58%
• Current HPI: 349.7999
• Rent YoY: ▲ 0.61%
• Metro: Deltona-Daytona Beach-Ormond Beach, 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

+401.7% since first listed

5 events — show timeline

• 2026-06-09 Listed $145,000 Stellar MLS as Distributed by MLS Grid
• 2022-08-22 Sold (Public Records) $254,000 Public Records
• 2002-04-09 Sold (Public Records) $85,000 Public Records
• 1982-08-01 Sold (Public Records) $52,000 Public Records
• 1974-10-01 Sold (Public Records) $28,900 Public Records

Property tax history

+16.9%/yr

Latest (2025): $5,067 · +0.1% YoY. Source: county tax records.