115 Sawyer St · Interlachen, FL 32148

$109,000

2 bd · 2.0 ba · 720 sqft · Manufactured public records · 106 Days on market

Built 1973 10,018 sqft lot Est $108k · at est.

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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 +23.0/30.0
• DSCR +7.4/10.0
• ARV discount +7.1/15.0
• 1% rule +5.0/10.0
• Livability +3.4/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to your perfect getaway or primary residence at 115 Sawyer Street, Interlachen, Florida! NO HOA and YOU OWN THE LAND! This charming mobile home offers the ideal blend of comfort, convenience, and coastal living. Nestled on a quarter-acre lot, this property boasts two bedrooms, two bathrooms, and ample living space for relaxation and entertaining. The fully fenced yard provides privacy and security, making it ideal for pets or outdoor gatherings. Step inside to discover a well-maintained interior featuring a modern HVAC package unit installed in 2018, ensuring year-round comfort. The spacious kitchen is equipped with all the essentials for preparing delicious meals, while the cozy living area invites you to unwind after a day of exploring. This property has public water and septic; the septic was recently pumped within the last 6 months. Outside, you'll find additional amenities including a convenient shed for storage and a carport for your vehicle. Whether you're enjoying the sunshine on the porch or hosting a barbecue with friends, this property offers endless possibilities for outdoor enjoyment. You will have access to FRUIT TREES, including amazing citrus and plums. Located just one hour from the historic city of St. Augustine and 30 minutes from vibrant Gainesville, you'll have easy access to shopping, dining, and entertainment options. Plus, with local nearby fishing opportunities, you can indulge in your favorite pastime whenever the mood strikes. Don't miss out on the opportunity to make this move-in ready home your own. Whether you're seeking a vacation retreat or a permanent residence, 115 Sawyer Street is ready to welcome you home. All information and measurements are deemed reliable, and shall be independently verified for buyers purposes! Schedule your showing today! CASH ONLY SALE, due to the age of the mobile home.

Key facts

• Storage shed
• Manicured lawn
• Fenced lot

Tags

• FENCED LOT
• FRUIT BEARING CITRUS TREES
• STORAGE SHED
• MANICURED LAWN

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Carport (1 space)
• Utilities: Electricity connected; Water connected
• Home design: Mobile home; Main-level entry
• Exterior features: Residential lot of about 0.23 acres; No private pool

Interior

• Kitchen: Electric oven; Refrigerator
• Bedrooms: 2 bedrooms (main level)
• Flooring: Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Entry room/bonus room (approx. 20 x 10)
• Laundry & utility: Washer hookup; Electric dryer hookup (in carport)

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $109k.

Deal economics

• At list price, monthly cash flow is $193 ($2k/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 $109k (0.1% below list).
• Recommended offer: $99k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.4% vs local median 5.6% in Interlachen — 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 (#540 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D-, amenities F, commute F.
• Putnam (town): math 34% / reading 39% proficiency, ranked #66 of 73 in FL (top 90%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 759 active listings in the ZIP; 113 units permitted in Putnam County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $754 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Putnam County population projected at -31% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 106 days — a 9% lower offer ($99k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 17y 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; major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $99,190 (9.0% below list)

Questions for the listing agent

1. It's been on market 106 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
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: 1.00% ✗
• Cap rate: 8.42%
• Cash-on-cash: 7.60%
• DSCR: 1.34
• GRM: 8.3

CMA / ARV

• ARV (on-the-fly): $108,000
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
112 Sawyer St	0.05mi	2/1.0	672 (-7%)	6mo	$100,000	$149	78
207 Salem St	0.28mi	2/2.0	732 (+2%)	7mo	$110,000	$150	78
114 Ash St	0.23mi	2/1.0	672 (-7%)	7mo	$105,000	$156	68
104 Allman St	0.62mi	2/1.0	720 (0%)	13mo	$130,000	$181	56
104 Osborne St	0.52mi	2/1.0	680 (-6%)	14mo	$26,500	$39	50
118 Sandy St	0.42mi	2/1.0	796 (+11%)	21mo	$30,000	$38	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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -4.7%
• Equity multiple: 0.82×
• Total profit: $-5,395
• Equity at exit: $16,252

10-year hold

• IRR: 4.9%
• Equity multiple: 1.36×
• Total profit: $10,997
• Equity at exit: $9,424

Cash invested: $30,520 (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 32148

• Home prices YoY: -5.8%
• Active inventory: 759
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,089 medium
• Mortgage (P&I): −$572
• Tax from tax record: −$50 /mo · $597/yr
• Insurance: −$45
• HOA: −$0
• Vacancy / Maint / Mgmt: −$229
• Net cashflow: $193

Break-even live

Break-even rent $844

Max offer price $109,000

Occupancy floor 77%

Sensitivity live

Price	-10% $255	-5% $224	+0% $193	+5% $162	+10% $131
Rent	-10% $107	-5% $150	+0% $193	+5% $236	+10% $279
Rate	-1.0pp $248	-0.5pp $221	base $193	+0.5pp $165	+1.0pp $136

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: $27,250
• Closing costs: $3,270
• Reserves months: —
• Total cash needed: —

Listing history 29 events

1. 2026-06-18
   days on market $109,000 Active 106 DOM
2. 2026-06-17
   days on market $109,000 Active 105 DOM
3. 2026-06-16
   days on market $109,000 Active 104 DOM
4. 2026-06-15
   days on market $109,000 Active 103 DOM
5. 2026-06-13
   days on market $109,000 Active 101 DOM
6. 2026-06-10
   days on market $109,000 Active 97 DOM
7. 2026-06-08
   days on market $109,000 Active 96 DOM
8. 2026-06-07
   days on market $109,000 Active 95 DOM
9. 2026-06-05
   remarks 246-char remark
10. 2026-06-05
    days on market $109,000 Active 92 DOM
11. 2026-06-03
    days on market $109,000 Active 91 DOM
12. 2026-06-02
    days on market $109,000 Active 90 DOM
13. 2026-06-01
    days on market $109,000 Active 89 DOM
14. 2026-05-31
    days on market $109,000 Active 88 DOM
15. 2026-03-04
    listed $109,000 Active
16. 2025-05-09
    soldstatus $95,000
17. 2024-05-31
    status Pending 1868-char remark

    Show marketing remark (1868 chars)

    Welcome to your perfect getaway or primary residence at 115 Sawyer Street, Interlachen, Florida! NO HOA and YOU OWN THE LAND! This charming mobile home offers the ideal blend of comfort, convenience, and coastal living. Nestled on a quarter-acre lot, this property boasts two bedrooms, two bathrooms, and ample living space for relaxation and entertaining. The fully fenced yard provides privacy and security, making it ideal for pets or outdoor gatherings. Step inside to discover a well-maintained interior featuring a modern HVAC package unit installed in 2018, ensuring year-round comfort. The spacious kitchen is equipped with all the essentials for preparing delicious meals, while the cozy living area invites you to unwind after a day of exploring. This property has public water and septic; the septic was recently pumped within the last 6 months. Outside, you'll find additional amenities including a convenient shed for storage and a carport for your vehicle. Whether you're enjoying the sunshine on the porch or hosting a barbecue with friends, this property offers endless possibilities for outdoor enjoyment. You will have access to FRUIT TREES, including amazing citrus and plums. Located just one hour from the historic city of St. Augustine and 30 minutes from vibrant Gainesville, you'll have easy access to shopping, dining, and entertainment options. Plus, with local nearby fishing opportunities, you can indulge in your favorite pastime whenever the mood strikes. Don't miss out on the opportunity to make this move-in ready home your own. Whether you're seeking a vacation retreat or a permanent residence, 115 Sawyer Street is ready to welcome you home. All information and measurements are deemed reliable, and shall be independently verified for buyers purposes! Schedule your showing today! CASH ONLY SALE, due to the age of the mobile home.

18. 2024-05-31
    soldstatus $79,000

    Show marketing remark (1868 chars)

    Welcome to your perfect getaway or primary residence at 115 Sawyer Street, Interlachen, Florida! NO HOA and YOU OWN THE LAND! This charming mobile home offers the ideal blend of comfort, convenience, and coastal living. Nestled on a quarter-acre lot, this property boasts two bedrooms, two bathrooms, and ample living space for relaxation and entertaining. The fully fenced yard provides privacy and security, making it ideal for pets or outdoor gatherings. Step inside to discover a well-maintained interior featuring a modern HVAC package unit installed in 2018, ensuring year-round comfort. The spacious kitchen is equipped with all the essentials for preparing delicious meals, while the cozy living area invites you to unwind after a day of exploring. This property has public water and septic; the septic was recently pumped within the last 6 months. Outside, you'll find additional amenities including a convenient shed for storage and a carport for your vehicle. Whether you're enjoying the sunshine on the porch or hosting a barbecue with friends, this property offers endless possibilities for outdoor enjoyment. You will have access to FRUIT TREES, including amazing citrus and plums. Located just one hour from the historic city of St. Augustine and 30 minutes from vibrant Gainesville, you'll have easy access to shopping, dining, and entertainment options. Plus, with local nearby fishing opportunities, you can indulge in your favorite pastime whenever the mood strikes. Don't miss out on the opportunity to make this move-in ready home your own. Whether you're seeking a vacation retreat or a permanent residence, 115 Sawyer Street is ready to welcome you home. All information and measurements are deemed reliable, and shall be independently verified for buyers purposes! Schedule your showing today! CASH ONLY SALE, due to the age of the mobile home.

19. 2024-05-30
    soldstatus $79,000 Closed 1868-char remark

    Show marketing remark (1868 chars)

    Welcome to your perfect getaway or primary residence at 115 Sawyer Street, Interlachen, Florida! NO HOA and YOU OWN THE LAND! This charming mobile home offers the ideal blend of comfort, convenience, and coastal living. Nestled on a quarter-acre lot, this property boasts two bedrooms, two bathrooms, and ample living space for relaxation and entertaining. The fully fenced yard provides privacy and security, making it ideal for pets or outdoor gatherings. Step inside to discover a well-maintained interior featuring a modern HVAC package unit installed in 2018, ensuring year-round comfort. The spacious kitchen is equipped with all the essentials for preparing delicious meals, while the cozy living area invites you to unwind after a day of exploring. This property has public water and septic; the septic was recently pumped within the last 6 months. Outside, you'll find additional amenities including a convenient shed for storage and a carport for your vehicle. Whether you're enjoying the sunshine on the porch or hosting a barbecue with friends, this property offers endless possibilities for outdoor enjoyment. You will have access to FRUIT TREES, including amazing citrus and plums. Located just one hour from the historic city of St. Augustine and 30 minutes from vibrant Gainesville, you'll have easy access to shopping, dining, and entertainment options. Plus, with local nearby fishing opportunities, you can indulge in your favorite pastime whenever the mood strikes. Don't miss out on the opportunity to make this move-in ready home your own. Whether you're seeking a vacation retreat or a permanent residence, 115 Sawyer Street is ready to welcome you home. All information and measurements are deemed reliable, and shall be independently verified for buyers purposes! Schedule your showing today! CASH ONLY SALE, due to the age of the mobile home.

20. 2024-05-30
    soldstatus $79,000 Closed 1868-char remark

    Show marketing remark (1868 chars)

    Welcome to your perfect getaway or primary residence at 115 Sawyer Street, Interlachen, Florida! NO HOA and YOU OWN THE LAND! This charming mobile home offers the ideal blend of comfort, convenience, and coastal living. Nestled on a quarter-acre lot, this property boasts two bedrooms, two bathrooms, and ample living space for relaxation and entertaining. The fully fenced yard provides privacy and security, making it ideal for pets or outdoor gatherings. Step inside to discover a well-maintained interior featuring a modern HVAC package unit installed in 2018, ensuring year-round comfort. The spacious kitchen is equipped with all the essentials for preparing delicious meals, while the cozy living area invites you to unwind after a day of exploring. This property has public water and septic; the septic was recently pumped within the last 6 months. Outside, you'll find additional amenities including a convenient shed for storage and a carport for your vehicle. Whether you're enjoying the sunshine on the porch or hosting a barbecue with friends, this property offers endless possibilities for outdoor enjoyment. You will have access to FRUIT TREES, including amazing citrus and plums. Located just one hour from the historic city of St. Augustine and 30 minutes from vibrant Gainesville, you'll have easy access to shopping, dining, and entertainment options. Plus, with local nearby fishing opportunities, you can indulge in your favorite pastime whenever the mood strikes. Don't miss out on the opportunity to make this move-in ready home your own. Whether you're seeking a vacation retreat or a permanent residence, 115 Sawyer Street is ready to welcome you home. All information and measurements are deemed reliable, and shall be independently verified for buyers purposes! Schedule your showing today! CASH ONLY SALE, due to the age of the mobile home.

21. 2024-05-13
    status Pending 1868-char remark

    Show marketing remark (1868 chars)

    Welcome to your perfect getaway or primary residence at 115 Sawyer Street, Interlachen, Florida! NO HOA and YOU OWN THE LAND! This charming mobile home offers the ideal blend of comfort, convenience, and coastal living. Nestled on a quarter-acre lot, this property boasts two bedrooms, two bathrooms, and ample living space for relaxation and entertaining. The fully fenced yard provides privacy and security, making it ideal for pets or outdoor gatherings. Step inside to discover a well-maintained interior featuring a modern HVAC package unit installed in 2018, ensuring year-round comfort. The spacious kitchen is equipped with all the essentials for preparing delicious meals, while the cozy living area invites you to unwind after a day of exploring. This property has public water and septic; the septic was recently pumped within the last 6 months. Outside, you'll find additional amenities including a convenient shed for storage and a carport for your vehicle. Whether you're enjoying the sunshine on the porch or hosting a barbecue with friends, this property offers endless possibilities for outdoor enjoyment. You will have access to FRUIT TREES, including amazing citrus and plums. Located just one hour from the historic city of St. Augustine and 30 minutes from vibrant Gainesville, you'll have easy access to shopping, dining, and entertainment options. Plus, with local nearby fishing opportunities, you can indulge in your favorite pastime whenever the mood strikes. Don't miss out on the opportunity to make this move-in ready home your own. Whether you're seeking a vacation retreat or a permanent residence, 115 Sawyer Street is ready to welcome you home. All information and measurements are deemed reliable, and shall be independently verified for buyers purposes! Schedule your showing today! CASH ONLY SALE, due to the age of the mobile home.

22. 2024-05-13
    historical Active Under Contract 1868-char remark

    Show marketing remark (1868 chars)

    Welcome to your perfect getaway or primary residence at 115 Sawyer Street, Interlachen, Florida! NO HOA and YOU OWN THE LAND! This charming mobile home offers the ideal blend of comfort, convenience, and coastal living. Nestled on a quarter-acre lot, this property boasts two bedrooms, two bathrooms, and ample living space for relaxation and entertaining. The fully fenced yard provides privacy and security, making it ideal for pets or outdoor gatherings. Step inside to discover a well-maintained interior featuring a modern HVAC package unit installed in 2018, ensuring year-round comfort. The spacious kitchen is equipped with all the essentials for preparing delicious meals, while the cozy living area invites you to unwind after a day of exploring. This property has public water and septic; the septic was recently pumped within the last 6 months. Outside, you'll find additional amenities including a convenient shed for storage and a carport for your vehicle. Whether you're enjoying the sunshine on the porch or hosting a barbecue with friends, this property offers endless possibilities for outdoor enjoyment. You will have access to FRUIT TREES, including amazing citrus and plums. Located just one hour from the historic city of St. Augustine and 30 minutes from vibrant Gainesville, you'll have easy access to shopping, dining, and entertainment options. Plus, with local nearby fishing opportunities, you can indulge in your favorite pastime whenever the mood strikes. Don't miss out on the opportunity to make this move-in ready home your own. Whether you're seeking a vacation retreat or a permanent residence, 115 Sawyer Street is ready to welcome you home. All information and measurements are deemed reliable, and shall be independently verified for buyers purposes! Schedule your showing today! CASH ONLY SALE, due to the age of the mobile home.

23. 2024-04-20
    listed $79,000 Active 1868-char remark

    Show marketing remark (1868 chars)

    Welcome to your perfect getaway or primary residence at 115 Sawyer Street, Interlachen, Florida! NO HOA and YOU OWN THE LAND! This charming mobile home offers the ideal blend of comfort, convenience, and coastal living. Nestled on a quarter-acre lot, this property boasts two bedrooms, two bathrooms, and ample living space for relaxation and entertaining. The fully fenced yard provides privacy and security, making it ideal for pets or outdoor gatherings. Step inside to discover a well-maintained interior featuring a modern HVAC package unit installed in 2018, ensuring year-round comfort. The spacious kitchen is equipped with all the essentials for preparing delicious meals, while the cozy living area invites you to unwind after a day of exploring. This property has public water and septic; the septic was recently pumped within the last 6 months. Outside, you'll find additional amenities including a convenient shed for storage and a carport for your vehicle. Whether you're enjoying the sunshine on the porch or hosting a barbecue with friends, this property offers endless possibilities for outdoor enjoyment. You will have access to FRUIT TREES, including amazing citrus and plums. Located just one hour from the historic city of St. Augustine and 30 minutes from vibrant Gainesville, you'll have easy access to shopping, dining, and entertainment options. Plus, with local nearby fishing opportunities, you can indulge in your favorite pastime whenever the mood strikes. Don't miss out on the opportunity to make this move-in ready home your own. Whether you're seeking a vacation retreat or a permanent residence, 115 Sawyer Street is ready to welcome you home. All information and measurements are deemed reliable, and shall be independently verified for buyers purposes! Schedule your showing today! CASH ONLY SALE, due to the age of the mobile home.

24. 2024-04-20
    listed $79,000 Active 1868-char remark

    Show marketing remark (1868 chars)

    Welcome to your perfect getaway or primary residence at 115 Sawyer Street, Interlachen, Florida! NO HOA and YOU OWN THE LAND! This charming mobile home offers the ideal blend of comfort, convenience, and coastal living. Nestled on a quarter-acre lot, this property boasts two bedrooms, two bathrooms, and ample living space for relaxation and entertaining. The fully fenced yard provides privacy and security, making it ideal for pets or outdoor gatherings. Step inside to discover a well-maintained interior featuring a modern HVAC package unit installed in 2018, ensuring year-round comfort. The spacious kitchen is equipped with all the essentials for preparing delicious meals, while the cozy living area invites you to unwind after a day of exploring. This property has public water and septic; the septic was recently pumped within the last 6 months. Outside, you'll find additional amenities including a convenient shed for storage and a carport for your vehicle. Whether you're enjoying the sunshine on the porch or hosting a barbecue with friends, this property offers endless possibilities for outdoor enjoyment. You will have access to FRUIT TREES, including amazing citrus and plums. Located just one hour from the historic city of St. Augustine and 30 minutes from vibrant Gainesville, you'll have easy access to shopping, dining, and entertainment options. Plus, with local nearby fishing opportunities, you can indulge in your favorite pastime whenever the mood strikes. Don't miss out on the opportunity to make this move-in ready home your own. Whether you're seeking a vacation retreat or a permanent residence, 115 Sawyer Street is ready to welcome you home. All information and measurements are deemed reliable, and shall be independently verified for buyers purposes! Schedule your showing today! CASH ONLY SALE, due to the age of the mobile home.

25. 2012-08-15
    historical
26. 2012-03-09
    listed $34,900
27. 2009-10-09
    soldstatus $25,000
28. 2009-09-10
    listed $29,900
29. 1997-03-07
    soldstatus $22,900

ⓘ 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: $597 · $50/mo
• Projected year-2 tax: $905 · $75/mo
• Expected delta: +$308/yr (+$26/mo · 51.6%)

ⓘ 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 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $13,063
• − Mortgage interest: −$6,106
• − Property taxes: −$597
• − Insurance: −$545
• − Repairs & maintenance: −$1,045
• − Management: −$1,045
• − Depreciation: −$3,171
• Taxable income: $554
• Est. tax owed @ 24.0%: −$133
• After-tax cash flow: $2,185/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: Putnam
• NCES district ID: 1201620
• Math proficiency: 34% ▼ -10.00%
• Reading proficiency: 39% ▼ -4.00%
• Median HH income: $33,350
• Composite: 29.99/100
• National rank: #6361
• State rank: #66 of 73 in FL

Livability — Interlachen

• Score: 67/100
• State rank: #540
• US rank: #10162

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 11,580
• Population (ZIP): 11,580

Population outlook (Putnam County) Hauer SSP2

• Today (2025): 65,299 people
• By 2030: 61,255 · -6.2%
• By 2040: 52,930 · -18.9%
• By 2050: 45,051 · -31.0%
• By 2075: 28,720 · -56.0%
• By 2100: 15,852 · -75.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 9% Two or more races 8% Black 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 7%
• Common ancestry: Slovak 4% Lithuanian 3% Romanian 1%
• Foreign-born: 2% · Canada
• Languages at home: 94% English-only · Spanish 4%

Political lean MEDSL · Putnam

• 2024 margin: Solid R (+47.8) · D 25.8% · R 73.6%
• 2008→2024 swing: -28.5pp toward R · 2008: -19.3pp · 2024: -47.8pp
• All cycles: 2024: R+47.8 2020: R+41.2 2016: R+36.6 2012: R+24.5 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -16.98%
• Current HPI: 277.2763
• 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

+376.0% since first listed

15 events — show timeline

• 2026-03-04 Listed $109,000 realMLS
• 2025-05-09 Sold (Public Records) $95,000 Public Records
• 2024-05-31 Pending — SCMLS
• 2024-05-31 Sold (Public Records) $79,000 Public Records
• 2024-05-30 Sold (MLS) $79,000 Stellar MLS as Distributed by MLS Grid
• 2024-05-30 Sold (MLS) $79,000 SCMLS
• 2024-05-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-05-13 Contingent — SCMLS
• 2024-04-20 Listed $79,000 Stellar MLS as Distributed by MLS Grid
• 2024-04-20 Listed $79,000 SCMLS
• 2012-08-15 Listing Removed — realMLS
• 2012-03-09 Listed $34,900 realMLS
• 2009-10-09 Sold (MLS) $25,000 realMLS
• 2009-09-10 Listed $29,900 realMLS
• 1997-03-07 Sold (Public Records) $22,900 Public Records

Property tax history

+3.8%/yr

Latest (2025): $597 · -35.6% YoY. Source: county tax records.