1033 Foreshore Ln · Haines City, FL 33844

$324,999

4 bd · 2.0 ba · 1,850 sqft · Land · 165 Days on market

Built 2025 6,039 sqft lot $51/mo HOA · 2% of rent ↓ 10% since listing

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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 +7.3/30.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• 1% rule +2.1/10.0
• DSCR +1.4/10.0
• Appreciation +0.0/10.0

Listing remarks

Under Construction. BELOW MARKET INTEREST RATES with use of Seller's Preferred Lender. Discover a world of effortless elegance and comfort with the Valeria, a single-story home featuring 4 bedrooms, 2 bathrooms and a 2-car garage. The foyer leads to three bedrooms, a full bathroom, and a convenient laundry room with washer and dryer included. The vaulted-ceilings and open concept living, dining, and kitchen areas are perfect for entertaining or cozy family nights, all enhanced by sleek quartz countertops, stainless steel appliances and luxury vinyl plank flooring. Enjoy seamless indoor-outdoor living with access to the covered lanai through sliding glass doors in the dining area. The owner&

Key facts

• Quartz countertops
• Open concept living
• Laundry room

Tags

• SINGLE STORY HOME
• LAUNDRY ROOM
• VAULTED CEILINGS
• OPEN CONCEPT LIVING
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES

Property features AI

Finance

• Other: Total living area reported by builder: 1,850 (builder source); Building area total: 2,515; Direction faces east; Community model home located nearby
• Financial info: Other annual assessment: $3,080; Lease restrictions apply
• HOA & community: HOA managed by Prime Community Management, LLC; HOA approval required; Monthly HOA approximately $51.13 (quarterly fee $153.39); Community amenities: dog park, park, playground, pool; Pets allowed

Exterior

• Parking: Attached 2-car garage
• Utilities: Public water; Public sewer; Electricity connected
• Home design: Single family residence; Residential property; One story; Faces east; Under construction (projected completion: 2025-12-24)
• Construction: Block and stucco construction; Shingle roof; Slab foundation; New construction; Builder: Casa Fresca Homes (Model: Valeria); Builder license number 1332421
• Exterior features: Sliding doors; Asphalt road access; 0.14-acre lot (approx.)

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Stone counters
• Bedrooms: 4 bedrooms
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: High ceilings; In-wall pest system; Open floorplan; Stone counters; Walk-in closet(s)
• Laundry & utility: Laundry room; Washer; Dryer

🏗️ New construction. Builder plan / spec listing (the home may be to-be-built); metrics use comparable previous sales.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $325k.

Deal economics

• At list price, monthly cash flow is $-435 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $248k (23.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $229k (29.4% below list).
• Recommended offer: $229k (29.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 74/100 on livability (#285 in FL, #4,575 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Sandhill Elementary School (math 21% / reading 37%, grade F, #1,932 of 2,144 statewide, top 91%, 991 students, 55% FRL); Haines City Senior High School (math 12% / reading 32%, grade F, #544 of 667 statewide, top 82%, 2,700 students, 58% FRL) — zoned schools at 56% FRL track the district average.
• Zoned-school proficiency averages 26% at this address vs 41% district-wide (-16 pts) — the specific schools serving this property underperform the Polk average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+1.2%/yr); 1333 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 43% of the median local income ($64k/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 $10k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 165 days — a 12% lower offer ($286k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $43k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Recommended offer $229,294 (29.4% 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 165 days. Have you received any prior offers? Is the seller open to a 29% 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 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.71% ✗
• Cap rate: 4.69%
• Cash-on-cash: -5.73%
• DSCR: 0.74
• GRM: 11.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.16% rent growth · sell at horizon

5-year hold

• IRR: -28.2%
• Equity multiple: 0.07×
• Total profit: $-84,490
• Equity at exit: $48,458

10-year hold

• IRR: -35.9%
• Equity multiple: -0.38×
• Total profit: $-125,574
• Equity at exit: $28,100

Cash invested: $91,000 (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 33844

• Home prices YoY: -26.7%
• Rents YoY: 1.2%
• Active inventory: 1333
• Price-to-rent: 11.8×

Monthly cashflow live

• Estimated rent: $2,293 high
• Mortgage (P&I): −$1,704
• Tax from tax record: −$355 /mo · $4,266/yr
• Insurance: −$135
• HOA: −$51
• Vacancy / Maint / Mgmt: −$482
• Net cashflow: $-435

Break-even live

Break-even rent $2,843

Max offer price $248,192

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: $81,250
• Closing costs: $9,750
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
148 Summerlin Loop Haines City, FL	3.0	2.0	1579	$1,850	$1.17	14d	1	0.13mi
202 Hidden Lake Loop Haines City, FL	4.0	2.0	1981	$1,905	$0.96	11d	1	0.15mi
1138 Foreshore Ln Haines City, FL	3.0	2.0	1734	$2,200	$1.27	23d	1	0.20mi
1462 Sea Glass Rd Haines City, FL	4.0	2.5	2168	$2,200	$1.01	23d	1	0.21mi
167 Hidden Lake Loop Haines City, FL	4.0	2.0	1981	$2,020	$1.02	18d	1	0.22mi
1361 Current Pl Haines City, FL	4.0	2.0	1630	$2,100	$1.29	23d	1	0.22mi
432 Summer Grove Ln Haines City, FL	3.0	2.0	1286	$1,850	$1.44	23d	1	0.28mi
239 Summerlin Ln Haines City, FL	4.0	2.0	2168	$2,300	$1.06	23d	1	0.32mi
333 Hidden Lake Loop Haines City, FL	4.0	2.0	1909	$1,985	$1.04	11d	1	0.34mi
117 Hidden Lake Loop Haines City, FL	4.0	2.5	2099	$2,085	$0.99	23d	1	0.35mi
120 Hidden Lake Loop Haines City, FL	4.0	2.0	1909	$2,020	$1.06	13d	1	0.38mi
621 Sand Pine Ln Haines City, FL	4.0	2.5	2040	$2,350	$1.15	10d	1	0.45mi
1053 Ambleside Dr Haines City, FL	4.0	3.0	2000	$2,550	$1.27	23d	1	0.51mi
4854 E Hinson Ave Haines City, FL	3.0	2.0	2403	$3,000	$1.25	3d	1	0.56mi
914 Princess Sabal Pt Haines City, FL	3.0	2.0	1677	$1,775	$1.06	14d	1	0.58mi
1433 Princess Tree Ct Haines City, FL	4.0	2.0	1828	$1,999	$1.09	23d	1	0.58mi
1105 Lexington Ln Haines City, FL	4.0	2.0	2123	$1,995	$0.94	18d	1	0.59mi
2203 Pigeon Plum Dr Haines City, FL	4.0	3.0	1887	$2,190	$1.16	10d	1	0.61mi
1276 Tupelo Trl Haines City, FL	4.0	3.0	1900	$1,895	$1.00	11d	1	0.64mi
2501 Merseyside Ct Haines City, FL	4.0	3.5	2320	$2,250	$0.97	23d	1	0.72mi
299 Bottle Brush Dr Haines City, FL	4.0	2.0	1763	$2,300	$1.30	23d	1	0.73mi
429 Silver Palm Dr Haines City, FL	4.0	2.0	1625	$1,990	$1.22	18d	1	0.73mi
1717 Frogmore Ave Haines City, FL	3.0	2.0	1504	$2,000	$1.33	23d	1	0.74mi
851 Folklore Ln Haines City, FL	4.0	3.0	2290	$2,195	$0.96	3d	1	0.79mi
1950 Pond Pine Ct Haines City, FL	4.0	2.0	1939	$1,975	$1.02	23d	1	0.80mi
833 Ambleside Dr Haines City, FL	4.0	2.0	1887	$1,950	$1.03	10d	1	0.82mi
4746 Katrina Dr Haines City, FL	4.0	2.0	1818	$2,095	$1.15	23d	1	0.85mi
5153 Green Belt Dr Haines City, FL	4.0	2.0	1824	$2,300	$1.26	14d	1	0.85mi
5157 Green Belt Dr Haines City, FL	4.0	3.0	2109	$2,900	$1.38	3d	1	0.86mi
5161 Green Belt Dr Haines City, FL	4.0	2.5	2500	$2,100	$0.84	23d	1	0.86mi
4757 Katrina Dr Haines City, FL	4.0	2.0	2451	$2,050	$0.84	23d	1	0.86mi
3377 Wakefield Dr Haines City, FL	3.0	2.0	1700	$1,950	$1.15	23d	1	0.87mi
219 Bottle Brush Dr Haines City, FL	4.0	3.0	2420	$2,450	$1.01	23d	1	0.88mi
5009 Katrina Dr Haines City, FL	4.0	2.0	1840	$2,500	$1.36	23d	1	0.89mi
600 Silver Palm Dr Haines City, FL	4.0	2.5	2267	$2,800	$1.24	10d	1	0.90mi
5177 Green Belt Dr Haines City, FL	4.0	3.0	2109	$2,920	$1.38	2d	1	0.91mi
4770 Katrina Dr Haines City, FL	3.0	2.0	2109	$2,000	$0.95	23d	1	0.91mi
2986 Salisbury Ave Haines City, FL	5.0	3.0	2082	$2,495	$1.20	23d	1	0.92mi
5193 Green Belt Dr Haines City, FL	4.0	2.0	1824	$2,099	$1.15	23d	1	0.94mi
4813 Katrina Dr Haines City, FL	4.0	2.0	2000	$2,000	$1.00	23d	1	1.00mi

HOA detail

• Monthly dues: $51 · $612/yr

Listing history 22 events

1. 2026-06-08
   statusdays on market $324,999 Pending 165 DOM
2. 2026-06-07
   days on market $324,999 Active 164 DOM
3. 2026-06-05
   pricedays on market $324,999 Active 161 DOM
4. 2026-06-03
   days on market $328,999 Active 159 DOM
5. 2026-06-01
   days on market $328,999 Active 158 DOM
6. 2026-05-31
   days on market $328,999 Active 157 DOM
7. 2026-05-19
   price $329,999
8. 2026-05-06
   price $334,999
9. 2026-05-06
   status Active
10. 2026-03-05
    status Pending
11. 2026-03-03
    price $324,999
12. 2026-02-24
    price $328,999
13. 2026-02-17
    price $329,999
14. 2026-02-10
    price $335,999
15. 2026-02-04
    price $336,499
16. 2026-01-27
    price $339,499
17. 2026-01-21
    price $339,999
18. 2026-01-07
    price $345,999
19. 2025-12-19
    price $340,999
20. 2025-11-26
    price $339,999
21. 2025-10-29
    price $359,999
22. 2025-10-24
    listed $367,740 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: $4,266 · $355/mo
• Projected year-2 tax: $4,266 · $355/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $27,515
• − Mortgage interest: −$18,205
• − Property taxes: −$4,266
• − Insurance: −$1,625
• − Repairs & maintenance: −$2,201
• − Management: −$2,201
• − HOA: −$612
• − Depreciation: −$9,455
• Taxable loss: −$11,049
• Est. tax savings @ 24.0%: +$2,652
• After-tax cash flow: $-2,566/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: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Haines City

• Score: 74/100
• State rank: #285
• US rank: #4575

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Haines City, FL
• County: Polk County · 740,051 people
• City population: 51,255
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 51,255
• Household income: $63,650
• Rent vs Own: 29.6% rent · 70.4% own
• Severe rent burden: 1107.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: Hispanic / Latino 48% White 31% Black 18% Two or more races 12% Asian 1%
• Hispanic origin (detail): Mexican 19% Puerto Rican 19% Cuban 1% Dominican 3%
• Common ancestry: Hispanic 4% Lithuanian 1% Romanian 1%
• Foreign-born: 15% · Canada, Jamaica, Guatemala
• Languages at home: 55% English-only · Spanish 39% French/Haitian/Cajun 4% Other Indo-European 0%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -105.94%
• Current HPI: 291.0798
• Rent YoY: ▲ 1.16%
• Metro: Lakeland-Winter Haven, 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

-10.3% since first listed

16 events — show timeline

• 2026-05-19 Price Changed $329,999 Stellar MLS as Distributed by MLS Grid
• 2026-05-06 Price Changed $334,999 Stellar MLS as Distributed by MLS Grid
• 2026-05-06 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-03 Price Changed $324,999 Stellar MLS as Distributed by MLS Grid
• 2026-02-24 Price Changed $328,999 Stellar MLS as Distributed by MLS Grid
• 2026-02-17 Price Changed $329,999 Stellar MLS as Distributed by MLS Grid
• 2026-02-10 Price Changed $335,999 Stellar MLS as Distributed by MLS Grid
• 2026-02-04 Price Changed $336,499 Stellar MLS as Distributed by MLS Grid
• 2026-01-27 Price Changed $339,499 Stellar MLS as Distributed by MLS Grid
• 2026-01-21 Price Changed $339,999 Stellar MLS as Distributed by MLS Grid
• 2026-01-07 Price Changed $345,999 Stellar MLS as Distributed by MLS Grid
• 2025-12-19 Price Changed $340,999 Stellar MLS as Distributed by MLS Grid
• 2025-11-26 Price Changed $339,999 Stellar MLS as Distributed by MLS Grid
• 2025-10-29 Price Changed $359,999 Stellar MLS as Distributed by MLS Grid
• 2025-10-24 Listed $367,740 Stellar MLS as Distributed by MLS Grid

Property tax history

-0.3%/yr

Latest (2025): $4,266 · -0.3% YoY. Source: county tax records.