25330 SW 20th Ave · Newberry, FL 32669

$249,000

3 bd · 2.0 ba · 1,720 sqft · SingleFamily public records · 29 Days on market

Built 2002 0.30 ac 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 +15.2/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +4.6/10.0
• Schools +4.3/10.0
• Rent growth +3.4/5.0
• Livability +3.4/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

One or more photo(s) has been virtually staged. Welcome to this solid 3-bedroom, 2-bathroom brick home nestled in the charming Cottages of Country Way neighborhood in Newberry, Florida. Situated on a generous 0.30-acre lot, this property offers plenty of room to enjoy both indoor and outdoor living. Inside, you’ll find a spacious great room layout with a wood-burning fireplace enhanced by tall, vaulted ceilings that create an open, airy feel throughout the main living area. The kitchen and living spaces flow together perfectly for entertaining or relaxing evenings at home. While the home will benefit from new flooring, fresh paint, and a bit more TLC, it offers a solid foundation with endless potential to make it your own. Step outside to relax on the covered front porch or enjoy morning coffee on the covered back porch, overlooking your private yard. The property also features a large 440 sq. ft. garage with tall ceilings—ideal for abundant storage or hobby space. Inside, the laundry room provides ample storage and everyday functionality. With its inviting layout, sturdy brick construction, and fantastic location close to Newberry’s schools, parks, and shops, this home offers outstanding value and the opportunity to personalize it to your taste. A perfect blend of potential and charm—ready for your finishing touches to make it shine.

Key facts

• Covered front porch
• Great room layout
• Brick home

Tags

• BRICK HOME
• GREAT ROOM LAYOUT
• WOOD BURNING FIREPLACE
• TALL VAULTED CEILINGS
• COVERED FRONT PORCH
• COVERED BACK PORCH

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $249k.

Deal economics

• At list price, monthly cash flow is $84 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $249k).
• Recommended offer: $245k (1.5% below list) — sets the bar for market timing.
• Cap rate 6.7% vs local median 4.0% in Newberry — 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 68/100 on livability (#524 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: health & safety D, amenities F, commute F.
• Alachua (urban): math 49% / reading 54% proficiency, ranked #30 of 73 in FL (top 41%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+3.6%/yr); 419 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 1,774 units permitted in Alachua County in 2024 (984 in 5+ unit buildings).
• This rent runs 30% of the median local income ($100k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Alachua County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($245k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $50k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $198k; 26% 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; major wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $245,265 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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?
4. 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.
5. 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.
6. 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: 6.70%
• Cash-on-cash: 1.45%
• DSCR: 1.06
• GRM: 8.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.57% rent growth · sell at horizon

5-year hold

• IRR: -13.2%
• Equity multiple: 0.52×
• Total profit: $-33,397
• Equity at exit: $37,127

10-year hold

• IRR: -3.3%
• Equity multiple: 0.78×
• Total profit: $-15,628
• Equity at exit: $21,529

Cash invested: $69,720 (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 32669

• Home prices YoY: -22.1%
• Rents YoY: 3.6%
• Active inventory: 419
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $2,493 medium
• Mortgage (P&I): −$1,306
• Tax from tax record: −$476 /mo · $5,708/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$524
• Net cashflow: $84

Break-even live

Break-even rent $2,386

Max offer price $249,000

Occupancy floor 92%

Sensitivity live

Price	-10% $225	-5% $155	+0% $84	+5% $14	+10% $-57
Rent	-10% $-113	-5% $-14	+0% $84	+5% $183	+10% $281
Rate	-1.0pp $210	-0.5pp $148	base $84	+0.5pp $20	+1.0pp $-46

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: $62,250
• Closing costs: $7,470
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
25107 SW 9th Ln Newberry, FL	3.0	2.0	1449	$2,095	$1.45	14d	1	0.41mi
24722 SW 21st Ln Newberry, FL	3.0	2.0	2017	$2,400	$1.19	22d	1	0.43mi

Listing history 5 events

1. 2026-05-12
   status Active 1380-char remark

   Show marketing remark (1380 chars)

   One or more photo(s) has been virtually staged. Welcome to this solid 3-bedroom, 2-bathroom brick home nestled in the charming Cottages of Country Way neighborhood in Newberry, Florida. Situated on a generous 0.30-acre lot, this property offers plenty of room to enjoy both indoor and outdoor living. Inside, you’ll find a spacious great room layout with a wood-burning fireplace enhanced by tall, vaulted ceilings that create an open, airy feel throughout the main living area. The kitchen and living spaces flow together perfectly for entertaining or relaxing evenings at home. While the home will benefit from new flooring, fresh paint, and a bit more TLC, it offers a solid foundation with endless potential to make it your own. Step outside to relax on the covered front porch or enjoy morning coffee on the covered back porch, overlooking your private yard. The property also features a large 440 sq. ft. garage with tall ceilings—ideal for abundant storage or hobby space. Inside, the laundry room provides ample storage and everyday functionality. With its inviting layout, sturdy brick construction, and fantastic location close to Newberry’s schools, parks, and shops, this home offers outstanding value and the opportunity to personalize it to your taste. A perfect blend of potential and charm—ready for your finishing touches to make it shine.

2. 2026-05-12
   price $249,000 1380-char remark

   Show marketing remark (1380 chars)

   One or more photo(s) has been virtually staged. Welcome to this solid 3-bedroom, 2-bathroom brick home nestled in the charming Cottages of Country Way neighborhood in Newberry, Florida. Situated on a generous 0.30-acre lot, this property offers plenty of room to enjoy both indoor and outdoor living. Inside, you’ll find a spacious great room layout with a wood-burning fireplace enhanced by tall, vaulted ceilings that create an open, airy feel throughout the main living area. The kitchen and living spaces flow together perfectly for entertaining or relaxing evenings at home. While the home will benefit from new flooring, fresh paint, and a bit more TLC, it offers a solid foundation with endless potential to make it your own. Step outside to relax on the covered front porch or enjoy morning coffee on the covered back porch, overlooking your private yard. The property also features a large 440 sq. ft. garage with tall ceilings—ideal for abundant storage or hobby space. Inside, the laundry room provides ample storage and everyday functionality. With its inviting layout, sturdy brick construction, and fantastic location close to Newberry’s schools, parks, and shops, this home offers outstanding value and the opportunity to personalize it to your taste. A perfect blend of potential and charm—ready for your finishing touches to make it shine.

3. 2026-04-27
   status Pending 1380-char remark

   Show marketing remark (1380 chars)

   One or more photo(s) has been virtually staged. Welcome to this solid 3-bedroom, 2-bathroom brick home nestled in the charming Cottages of Country Way neighborhood in Newberry, Florida. Situated on a generous 0.30-acre lot, this property offers plenty of room to enjoy both indoor and outdoor living. Inside, you’ll find a spacious great room layout with a wood-burning fireplace enhanced by tall, vaulted ceilings that create an open, airy feel throughout the main living area. The kitchen and living spaces flow together perfectly for entertaining or relaxing evenings at home. While the home will benefit from new flooring, fresh paint, and a bit more TLC, it offers a solid foundation with endless potential to make it your own. Step outside to relax on the covered front porch or enjoy morning coffee on the covered back porch, overlooking your private yard. The property also features a large 440 sq. ft. garage with tall ceilings—ideal for abundant storage or hobby space. Inside, the laundry room provides ample storage and everyday functionality. With its inviting layout, sturdy brick construction, and fantastic location close to Newberry’s schools, parks, and shops, this home offers outstanding value and the opportunity to personalize it to your taste. A perfect blend of potential and charm—ready for your finishing touches to make it shine.

4. 2026-04-13
   listed $299,000 Active 1380-char remark

   Show marketing remark (1380 chars)

   One or more photo(s) has been virtually staged. Welcome to this solid 3-bedroom, 2-bathroom brick home nestled in the charming Cottages of Country Way neighborhood in Newberry, Florida. Situated on a generous 0.30-acre lot, this property offers plenty of room to enjoy both indoor and outdoor living. Inside, you’ll find a spacious great room layout with a wood-burning fireplace enhanced by tall, vaulted ceilings that create an open, airy feel throughout the main living area. The kitchen and living spaces flow together perfectly for entertaining or relaxing evenings at home. While the home will benefit from new flooring, fresh paint, and a bit more TLC, it offers a solid foundation with endless potential to make it your own. Step outside to relax on the covered front porch or enjoy morning coffee on the covered back porch, overlooking your private yard. The property also features a large 440 sq. ft. garage with tall ceilings—ideal for abundant storage or hobby space. Inside, the laundry room provides ample storage and everyday functionality. With its inviting layout, sturdy brick construction, and fantastic location close to Newberry’s schools, parks, and shops, this home offers outstanding value and the opportunity to personalize it to your taste. A perfect blend of potential and charm—ready for your finishing touches to make it shine.

5. 2005-11-16
   soldstatus $198,000

ⓘ 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: $5,708 · $476/mo
• Projected year-2 tax: $5,708 · $476/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 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 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: $29,918
• − Mortgage interest: −$13,948
• − Property taxes: −$5,708
• − Insurance: −$1,245
• − Repairs & maintenance: −$2,393
• − Management: −$2,393
• − Depreciation: −$7,244
• Taxable loss: −$3,014
• Est. tax savings @ 24.0%: +$723
• After-tax cash flow: $1,736/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: Alachua
• NCES district ID: 1200030
• Math proficiency: 49% ▼ -9.00%
• Reading proficiency: 54% ▼ -3.00%
• Median HH income: $42,683
• Composite: 43.31/100
• National rank: #3038
• State rank: #30 of 73 in FL

Livability — Newberry

• Score: 68/100
• State rank: #524
• US rank: #9753

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Newberry, FL
• County: Alachua County · 218,005 people
• City population: 17,704
• Metro: Gainesville, FL
• Population (ZIP): 17,704
• Household income: $99,548
• Rent vs Own: 12.5% rent · 87.5% own
• Severe rent burden: 161.0

Population outlook (Alachua County) Hauer SSP2

• Today (2025): 289,834 people
• By 2030: 305,873 · +5.5%
• By 2040: 335,246 · +15.7%
• By 2050: 364,719 · +25.8%
• By 2075: 436,665 · +50.7%
• By 2100: 482,920 · +66.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 61% Hispanic / Latino 15% Two or more races 14% Black 13% Asian 6%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6%
• Common ancestry: Slovak 4% Romanian 3% Lithuanian 2%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 86% English-only · Spanish 10% Other Indo-European 2% Other Asian/Pacific 2%

Political lean MEDSL · Alachua

• 2024 margin: Strong D (+21.0) · D 59.7% · R 38.8% · Other 1.5%
• 2008→2024 swing: -0.6pp no change · 2008: 21.6pp · 2024: 21.0pp
• All cycles: 2024: D+21.0 2020: D+27.2 2016: D+22.5 2012: D+17.3 2008: D+21.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -74.83%
• Current HPI: 263.4335
• Rent YoY: ▲ 3.57%
• Metro: Gainesville, 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

+25.8% since first listed

5 events — show timeline

• 2026-05-12 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-12 Price Changed $249,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-13 Listed $299,000 Stellar MLS as Distributed by MLS Grid
• 2005-11-16 Sold (Public Records) $198,000 Public Records

Property tax history

+4.9%/yr

Latest (2025): $5,708 · +2.7% YoY. Source: county tax records.