3439 Tallywood Ln #7139 · Sarasota, FL 34237

$182,500

2 bd · 2.0 ba · 1,668 sqft · Townhouse public records · 113 Days on market

Built 1983 $650/mo HOA · 36% of rent

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Why this score? — see what drove the F 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 +7.5/15.0
• Cash flow +6.0/30.0
• Schools +5.4/10.0
• 1% rule +5.0/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +1.2/5.0
• DSCR +0.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Reduced! 1668 sq. ft. living area PLUS a carport with storage closet priced below $120 per sq. ft. A charming end-unit villa with real wood floors in the living and dining area. The versatile third bedroom (or bonus room) upstairs, offers a tranquil greenbelt view and HUGE walk-in closet. Spacious open plan with split bedrooms downstairs, a dining room off the living room and a breakfast nook in the roomy kitchen. The furniture is negotiable too! Tucked deep in Tallywood, a charming, wooded and peaceful village located a few minutes from shopping, a few miles from downtown and a couple more to the beaches. Beautiful wood floors run through the living room and dining room. Lovely vistas of trees and sprawling lawns from several rooms. Set at the end of a quiet cul-de-sac with a carport and storage closet, plus guest parking spaces just a few steps from the front door. Tallywood is a 55+ community with loads of amenities and activities set on 25 acres of lushly treed and green space. Enjoy the spacious screened-in and heated pool. The grand clubhouse offers a fitness center, kitchen, covered lanai and a gas grill. Compare to another Tallywood 1668 sq. ft. villa that sold in January for $298,000!

Key facts

• Huge walk-in closet
• Quiet cul-de-sac
• Carport

Tags

• HUGE WALK-IN CLOSET
• QUIET CUL-DE-SAC
• CARPORT
• STORAGE CLOSET
• GUEST PARKING SPACES
• SPACIOUS SCREENED-IN POOL

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath townhouse listed at $182k.

Deal economics

• At list price, monthly cash flow is $-350 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $121k (33.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $182k (0.1% below list).
• Recommended offer: $121k (33.9% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 80/100 on livability (#121 in FL, #1,854 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, health & safety A+, commute A; Watch: crime F.
• Sarasota (urban): math 63% / reading 63% proficiency, ranked #7 of 73 in FL (top 10%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents falling (-5.0%/yr); 177 active listings in the ZIP; 7,466 units permitted in Sarasota County in 2024 (2,138 in 5+ unit buildings).
• This rent runs 33% of the median local income ($67k/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 $5k of value loss. Plan a longer hold.
• Sarasota County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 113 days — a 9% lower offer ($166k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $74k; list at $182k implies a 145% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 36% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $120,650 (33.9% 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 113 days. Have you received any prior offers? Is the seller open to a 34% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
8. 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?
9. 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.
10. 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.
11. 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: 3.99%
• Cash-on-cash: -8.22%
• DSCR: 0.63
• GRM: 8.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -35.8%
• Equity multiple: -0.11×
• Total profit: $-56,863
• Equity at exit: $27,211

10-year hold

• IRR: -86.2%
• Equity multiple: -0.91×
• Total profit: $-97,445
• Equity at exit: $15,779

Cash invested: $51,100 (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 34237

• Rents YoY: -5.0%
• Active inventory: 177
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,823 medium
• Mortgage (P&I): −$957
• Tax from tax record: −$107 /mo · $1,289/yr
• Insurance: −$76
• HOA: −$650
• Vacancy / Maint / Mgmt: −$383
• Net cashflow: $-350

Break-even live

Break-even rent $2,266

Max offer price $120,650

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: $45,625
• Closing costs: $5,475
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $650 · $7,800/yr
• Likely covers: gaspoolgym

Listing history 19 events

1. 2026-06-18
   days on market $182,500 Active 113 DOM
2. 2026-06-17
   days on market $182,500 Active 112 DOM
3. 2026-06-16
   days on market $182,500 Active 111 DOM
4. 2026-06-15
   days on market $182,500 Active 110 DOM
5. 2026-06-13
   days on market $182,500 Active 108 DOM
6. 2026-06-13
   days on market $182,500 Active 107 DOM
7. 2026-06-10
   days on market $182,500 Active 105 DOM
8. 2026-06-09
   days on market $182,500 Active 104 DOM
9. 2026-06-08
   days on market $182,500 Active 103 DOM
10. 2026-06-08
    days on market $182,500 Active 102 DOM
11. 2026-06-05
    days on market $182,500 Active 99 DOM
12. 2026-06-03
    days on market $182,500 Active 98 DOM
13. 2026-06-02
    days on market $182,500 Active 97 DOM
14. 2026-06-01
    days on market $182,500 Active 96 DOM
15. 2026-05-31
    days on market $182,500 Active 95 DOM
16. 2026-03-18
    price $190,000 1213-char remark

    Show marketing remark (1213 chars)

    Reduced! 1668 sq. ft. living area PLUS a carport with storage closet priced below $120 per sq. ft. A charming end-unit villa with real wood floors in the living and dining area. The versatile third bedroom (or bonus room) upstairs, offers a tranquil greenbelt view and HUGE walk-in closet. Spacious open plan with split bedrooms downstairs, a dining room off the living room and a breakfast nook in the roomy kitchen. The furniture is negotiable too! Tucked deep in Tallywood, a charming, wooded and peaceful village located a few minutes from shopping, a few miles from downtown and a couple more to the beaches. Beautiful wood floors run through the living room and dining room. Lovely vistas of trees and sprawling lawns from several rooms. Set at the end of a quiet cul-de-sac with a carport and storage closet, plus guest parking spaces just a few steps from the front door. Tallywood is a 55+ community with loads of amenities and activities set on 25 acres of lushly treed and green space. Enjoy the spacious screened-in and heated pool. The grand clubhouse offers a fitness center, kitchen, covered lanai and a gas grill. Compare to another Tallywood 1668 sq. ft. villa that sold in January for $298,000!

17. 2026-03-06
    price $200,000 1213-char remark

    Show marketing remark (1213 chars)

    Reduced! 1668 sq. ft. living area PLUS a carport with storage closet priced below $120 per sq. ft. A charming end-unit villa with real wood floors in the living and dining area. The versatile third bedroom (or bonus room) upstairs, offers a tranquil greenbelt view and HUGE walk-in closet. Spacious open plan with split bedrooms downstairs, a dining room off the living room and a breakfast nook in the roomy kitchen. The furniture is negotiable too! Tucked deep in Tallywood, a charming, wooded and peaceful village located a few minutes from shopping, a few miles from downtown and a couple more to the beaches. Beautiful wood floors run through the living room and dining room. Lovely vistas of trees and sprawling lawns from several rooms. Set at the end of a quiet cul-de-sac with a carport and storage closet, plus guest parking spaces just a few steps from the front door. Tallywood is a 55+ community with loads of amenities and activities set on 25 acres of lushly treed and green space. Enjoy the spacious screened-in and heated pool. The grand clubhouse offers a fitness center, kitchen, covered lanai and a gas grill. Compare to another Tallywood 1668 sq. ft. villa that sold in January for $298,000!

18. 2026-02-25
    listed $206,000 Active 1213-char remark

    Show marketing remark (1213 chars)

    Reduced! 1668 sq. ft. living area PLUS a carport with storage closet priced below $120 per sq. ft. A charming end-unit villa with real wood floors in the living and dining area. The versatile third bedroom (or bonus room) upstairs, offers a tranquil greenbelt view and HUGE walk-in closet. Spacious open plan with split bedrooms downstairs, a dining room off the living room and a breakfast nook in the roomy kitchen. The furniture is negotiable too! Tucked deep in Tallywood, a charming, wooded and peaceful village located a few minutes from shopping, a few miles from downtown and a couple more to the beaches. Beautiful wood floors run through the living room and dining room. Lovely vistas of trees and sprawling lawns from several rooms. Set at the end of a quiet cul-de-sac with a carport and storage closet, plus guest parking spaces just a few steps from the front door. Tallywood is a 55+ community with loads of amenities and activities set on 25 acres of lushly treed and green space. Enjoy the spacious screened-in and heated pool. The grand clubhouse offers a fitness center, kitchen, covered lanai and a gas grill. Compare to another Tallywood 1668 sq. ft. villa that sold in January for $298,000!

19. 1995-12-19
    soldstatus $74,500

ⓘ 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: $1,289 · $107/mo
• Projected year-2 tax: $1,515 · $126/mo
• Expected delta: +$226/yr (+$19/mo · 17.5%)

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $21,879
• − Mortgage interest: −$10,223
• − Property taxes: −$1,289
• − Insurance: −$912
• − Repairs & maintenance: −$1,750
• − Management: −$1,750
• − HOA: −$7,800
• − Depreciation: −$5,309
• Taxable loss: −$7,155
• Est. tax savings @ 24.0%: +$1,717
• After-tax cash flow: $-2,484/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: Sarasota
• NCES district ID: 1201680
• Math proficiency: 63% ▼ -8.00%
• Reading proficiency: 63% ▼ -3.00%
• Median HH income: $51,167
• Composite: 53.68/100
• National rank: #1428
• State rank: #7 of 73 in FL

Livability — Sarasota

• Score: 80/100
• State rank: #121
• US rank: #1854

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sarasota, FL
• County: Sarasota County · 448,376 people
• City population: 261,896
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 17,367
• Household income: $66,762
• Rent vs Own: 52.4% rent · 47.6% own
• Severe rent burden: 902.0

Population outlook (Sarasota County) Hauer SSP2

• Today (2025): 452,380 people
• By 2030: 474,175 · +4.8%
• By 2040: 511,577 · +13.1%
• By 2050: 541,467 · +19.7%
• By 2075: 604,947 · +33.7%
• By 2100: 621,965 · +37.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 55% Hispanic / Latino 30% Two or more races 18% Black 10% Asian 2%
• Hispanic origin (detail): Mexican 15% Puerto Rican 1% Cuban 5%
• Common ancestry: Romanian 2% Lithuanian 1% Hispanic 1%
• Foreign-born: 21% · Canada, Jamaica, Vietnam
• Languages at home: 71% English-only · Spanish 23% Other Indo-European 2% Russian/Polish/Slavic 1%

Political lean MEDSL · Sarasota

• 2024 margin: R (+18.2) · D 40.5% · R 58.7%
• 2008→2024 swing: -18.1pp toward R · 2008: -0.1pp · 2024: -18.2pp
• All cycles: 2024: R+18.2 2020: R+10.4 2016: R+11.6 2012: R+7.4 2008: R+0.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -345.08%
• Current HPI: 370.7565
• Rent YoY: ▼ -5.03%
• Metro: North Port-Sarasota-Bradenton, 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

+155.0% since first listed

4 events — show timeline

• 2026-03-18 Price Changed $190,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-06 Price Changed $200,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-25 Listed $206,000 Stellar MLS as Distributed by MLS Grid
• 1995-12-19 Sold (Public Records) $74,500 Public Records

Property tax history

+4.1%/yr

Latest (2025): $1,289 · +8.3% YoY. Source: county tax records.