1352 SW 69th Rd · Bushnell, FL 33513

$199,000

3 bd · 2.0 ba · 1,200 sqft · SingleFamily public records · 455 Days on market

Built 2016 6,636 sqft lot Est $204k · at est.

---

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 +19.0/30.0
• Appreciation +10.0/10.0
• ARV discount +8.6/15.0
• DSCR +6.0/10.0
• Schools +5.2/10.0
• 1% rule +4.2/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Welcome to your charming new home, nestled on a quiet street surrounded by towering oaks. Just minutes from downtown, this residence offers the perfect blend of peaceful solitude and convenient access to shopping and dining. This rare find provides an affordable opportunity for home ownership. The property features three spacious bedrooms and two full bathrooms arranged in a split floor plan. The home is clean and ready for a new owner to add their personal touches. Don't miss out on the chance to make this gem your own. Land, Site, and Tax Information

Key facts

• Quiet street
• Clean and ready
• Split floor plan

Tags

• QUIET STREET
• TOWERING OAKS
• MINUTES FROM DOWNTOWN
• SPLIT FLOOR PLAN
• CLEAN AND READY

Property features AI

Finance

• Other: Lot about 0.15 acres (0 to less than 1/4 acre)
• Financial info: No lease restrictions
• HOA & community: No HOA

Exterior

• Parking: No parking details provided
• Security: No security features listed
• Utilities: Well water; Septic tank; Cable connected; Electricity connected
• Home design: Single-family residence; One story; Faces north; Residential zoning
• Construction: Block and brick construction; Metal roof; Slab foundation; Built on one level
• Exterior features: Limerock road access; Publicly maintained road

Interior

• Kitchen: Convection oven; Dishwasher; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Laundry closet

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $199k.

Deal economics

• At list price, monthly cash flow is $209 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $184k (7.6% below list).
• Recommended offer: $175k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.6% vs local median 4.2% in Bushnell — 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 58/100 on livability (#835 in FL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime A-; Watch: health & safety C-, schools D+, amenities F.
• Sumter (rural): math 61% / reading 61% proficiency, ranked #11 of 73 in FL (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 97 active listings in the ZIP; 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).

Forward outlook

• In year one you build about $21k of equity ($1k loan paydown + $20k appreciation (10.0% local appreciation)).
• Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $56k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 455 days — a 12% lower offer ($175k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 9y ago; this cycle's ask has dropped $40k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $159k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $175,120 (12.0% below list)

Questions for the listing agent

1. It's been on market 455 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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: 0.92% ✗
• Cap rate: 7.55%
• Cash-on-cash: 4.51%
• DSCR: 1.20
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $204,000
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1314 SW 68th Ave	0.13mi	3/2.0	1,200 (0%)	3mo	$255,000	$213	92
1355 CR 604	0.03mi	3/1.0	1,180 (-2%)	1mo	$189,000	$160	91
1444 SW 70th Ave	0.11mi	3/2.0	1,152 (-4%)	21mo	$175,000	$152	71
6814 Battlefield Pkwy	0.13mi	2/1.0 (-1)	1,060 (-12%)	0mo	$215,000	$203	65
1348 CR 605	0.06mi	3/1.5	1,020 (-15%)	8mo	$115,000	$113	64
311 W Central Ave	0.68mi	3/2.0	1,232 (+3%)	3mo	$210,000	$170	61
1696 CR 607c	0.35mi	3/2.0	1,152 (-4%)	22mo	$190,000	$165	59
108 N West St	0.56mi	3/2.0	1,120 (-7%)	14mo	$230,000	$205	51
324 S Highland St	0.59mi	3/1.5	1,052 (-12%)	14mo	$200,000	$190	38
422 W Hunt Ave	0.53mi	2/2.0 (-1)	1,050 (-12%)	15mo	$215,000	$205	37
302 W Hunt Ave	0.69mi	2/1.0 (-1)	1,026 (-14%)	16mo	$160,000	$156	21

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

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

5-year hold

• IRR: 27.5%
• Equity multiple: 3.18×
• Total profit: $121,655
• Equity at exit: $179,275

10-year hold

• IRR: 24.0%
• Equity multiple: 7.24×
• Total profit: $347,667
• Equity at exit: $386,613

Cash invested: $55,720 (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 33513

• Home prices YoY: 12.8%
• Active inventory: 97
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,838 medium
• Mortgage (P&I): −$1,044
• Tax from tax record: −$117 /mo · $1,399/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$386
• Net cashflow: $209

Break-even live

Break-even rent $1,574

Max offer price $199,000

Occupancy floor 84%

Sensitivity live

Price	-10% $322	-5% $266	+0% $209	+5% $153	+10% $97
Rent	-10% $64	-5% $137	+0% $209	+5% $282	+10% $354
Rate	-1.0pp $309	-0.5pp $260	base $209	+0.5pp $158	+1.0pp $105

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: $49,750
• Closing costs: $5,970
• Reserves months: —
• Total cash needed: —

Listing history 50 events

1. 2026-06-19
   days on market $199,000 Active 455 DOM
2. 2026-06-18
   days on market $199,000 Active 454 DOM
3. 2026-06-17
   days on market $199,000 Active 453 DOM
4. 2026-06-16
   days on market $199,000 Active 452 DOM
5. 2026-06-15
   days on market $199,000 Active 451 DOM
6. 2026-06-14
   days on market $199,000 Active 449 DOM
7. 2026-06-13
   days on market $199,000 Active 448 DOM
8. 2026-06-10
   days on market $199,000 Active 446 DOM
9. 2026-06-09
   days on market $199,000 Active 445 DOM
10. 2026-06-08
    days on market $199,000 Active 444 DOM
11. 2026-06-07
    days on market $199,000 Active 443 DOM
12. 2026-06-02
    days on market $199,000 Active 438 DOM
13. 2026-06-01
    days on market $199,000 Active 437 DOM
14. 2026-05-31
    days on market $199,000 Active 436 DOM
15. 2026-05-30
    days on market $199,000 Active 435 DOM
16. 2026-02-10
    status Active
17. 2026-01-31
    historical
18. 2025-11-17
    price $199,000
19. 2025-10-07
    price $209,900
20. 2025-07-15
    status Active
21. 2025-07-01
    historical
22. 2025-05-27
    price $219,900
23. 2025-05-13
    price $234,000
24. 2025-02-25
    listed $239,000 Active
25. 2024-07-24
    historical
26. 2024-07-16
    price $219,900
27. 2024-07-08
    price $228,900
28. 2024-06-19
    price $229,000
29. 2024-06-05
    listed $239,000 Active
30. 2023-07-13
    soldstatus $159,000
31. 2023-06-22
    soldstatus $149,000
32. 2023-01-16
    historical
33. 2022-11-28
    price $165,000
34. 2022-11-15
    price $167,000
35. 2022-11-08
    price $175,000
36. 2022-11-03
    price $179,000
37. 2022-10-24
    price $186,500
38. 2022-09-20
    price $189,000
39. 2022-09-06
    price $199,000
40. 2022-08-26
    listed $199,900 Active
41. 2021-08-23
    soldstatus $155,000
42. 2021-08-16
    soldstatus $152,000 Closed
43. 2021-07-15
    status Pending
44. 2021-05-27
    status Active
45. 2021-03-02
    historical
46. 2021-03-02
    price $152,000
47. 2020-09-14
    listed $142,000 Active
48. 2018-04-10
    historical
49. 2017-09-13
    price $126,000
50. 2017-08-18
    listed $129,900 Active

ⓘ 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: $1,399 · $117/mo
• Projected year-2 tax: $1,652 · $138/mo
• Expected delta: +$253/yr (+$21/mo · 18.1%)

ⓘ 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 8/10 Severe 7 d/yr ≥108°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: $22,061
• − Mortgage interest: −$11,147
• − Property taxes: −$1,399
• − Insurance: −$995
• − Repairs & maintenance: −$1,765
• − Management: −$1,765
• − Depreciation: −$5,789
• Taxable loss: −$799
• Est. tax savings @ 24.0%: +$192
• After-tax cash flow: $2,703/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: Sumter
• NCES district ID: 1201800
• Math proficiency: 61% ▼ -4.00%
• Reading proficiency: 61% ▼ -2.00%
• Median HH income: $48,240
• Composite: 51.74/100
• National rank: #1682
• State rank: #11 of 73 in FL

Livability — Bushnell

• Score: 58/100
• State rank: #835
• US rank: #20676

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 13,647

Population outlook (Sumter County) Hauer SSP2

• Today (2025): 161,172 people
• By 2030: 180,083 · +11.7%
• By 2040: 209,892 · +30.2%
• By 2050: 234,186 · +45.3%
• By 2075: 284,602 · +76.6%
• By 2100: 317,039 · +96.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Black 11% Hispanic / Latino 10% Two or more races 4% Asian 1%
• Hispanic origin (detail): Mexican 4% Puerto Rican 3%
• Common ancestry: Lithuanian 3% Serbian 3% Iranian 1%
• Foreign-born: 2% · Canada, China
• Languages at home: 92% English-only · Spanish 6% Chinese 1%

Political lean MEDSL · Sumter

• 2024 margin: Solid R (+37.6) · D 30.9% · R 68.6%
• 2008→2024 swing: -10.6pp toward R · 2008: -27.0pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+36.1 2016: R+39.2 2012: R+34.9 2008: R+27.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 40.29%
• Current HPI: 354.5531
• 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

+53.2% since first listed

35 events — show timeline

• 2026-02-10 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-11-17 Price Changed $199,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-07 Price Changed $209,900 Stellar MLS as Distributed by MLS Grid
• 2025-07-15 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-07-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-05-27 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2025-05-13 Price Changed $234,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-25 Listed $239,000 Stellar MLS as Distributed by MLS Grid
• 2024-07-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-07-16 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2024-07-08 Price Changed $228,900 Stellar MLS as Distributed by MLS Grid
• 2024-06-19 Price Changed $229,000 Stellar MLS as Distributed by MLS Grid
• 2024-06-05 Listed $239,000 Stellar MLS as Distributed by MLS Grid
• 2023-07-13 Sold (Public Records) $159,000 Public Records
• 2023-06-22 Sold (Public Records) $149,000 Public Records
• 2023-01-16 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2022-11-28 Price Changed $165,000 Stellar MLS as Distributed by MLS Grid
• 2022-11-15 Price Changed $167,000 Stellar MLS as Distributed by MLS Grid
• 2022-11-08 Price Changed $175,000 Stellar MLS as Distributed by MLS Grid
• 2022-11-03 Price Changed $179,000 Stellar MLS as Distributed by MLS Grid
• 2022-10-24 Price Changed $186,500 Stellar MLS as Distributed by MLS Grid
• 2022-09-20 Price Changed $189,000 Stellar MLS as Distributed by MLS Grid
• 2022-09-06 Price Changed $199,000 Stellar MLS as Distributed by MLS Grid
• 2022-08-26 Listed $199,900 Stellar MLS as Distributed by MLS Grid
• 2021-08-23 Sold (Public Records) $155,000 Public Records
• 2021-08-16 Sold (MLS) $152,000 Stellar MLS as Distributed by MLS Grid
• 2021-07-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-05-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-03-02 Price Changed $152,000 Stellar MLS as Distributed by MLS Grid
• 2021-03-02 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2020-09-14 Listed $142,000 Stellar MLS as Distributed by MLS Grid
• 2018-04-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2017-09-13 Price Changed $126,000 Stellar MLS as Distributed by MLS Grid
• 2017-08-18 Listed $129,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+19.9%/yr

Latest (2025): $1,399 · +2.9% YoY. Source: county tax records.