1418 Palm Blvd · Sebring, FL 33870

$159,900

2 bd · 2.0 ba · 1,039 sqft · SingleFamily public records · 24 Days on market

Built 1942 3,485 sqft lot Est $118k · 35% over

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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).

• Cash flow +14.1/30.0
• DSCR +4.3/10.0
• Schools +3.6/10.0
• Livability +3.3/5.0
• 1% rule +3.1/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

Updated where it counts and refreshingly uncomplicated. This home offers a clean, move-in ready interior with updated flooring, stainless appliances, refreshed bathrooms, and an open living layout that makes the space feel larger than expected. The fenced yard adds flexibility for pets, parking, or outdoor space without overwhelming upkeep, and the location keeps you close to everyday Sebring conveniences. No exaggerated luxury language. ?No “charming fixer-upper” translation games. ?Just a solid house that feels clean, functional, and ready for its next owner.

Key facts

• Fenced yard
• Stainless appliances
• Open living layout

Tags

• UPDATED FLOORING
• STAINLESS APPLIANCES
• REFRESHED BATHROOMS
• OPEN LIVING LAYOUT
• FENCED YARD
• CLOSE TO SEBRING CONVENIENCES

Property features AI

Exterior

• Parking: Driveway; On-street parking
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One story; Frame construction; Shingle roof; R1 zoning
• Construction: Frame construction; Built as a one-level home
• Exterior features: Front porch; Paved road frontage

Interior

• Flooring: Tile; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric heating; Central electric air conditioning
• Interior features: Tile and vinyl flooring; 7 total rooms

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $24 ($284/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 $130k (18.6% below list).
• Recommended offer: $130k (18.6% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 4.3% in Sebring — 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 66/100 on livability (#618 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: schools D, amenities F, commute F.
• Highlands (other): math 45% / reading 43% proficiency, ranked #54 of 73 in FL (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.3%/yr); 475 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 980 units permitted in Highlands County in 2024 (80 in 5+ unit buildings).
• This rent runs 31% of the median local income ($50k/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.

Negotiation context

• It's been on market 24 days — a 2% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $57k; list at $160k implies a 183% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1942 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate 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 $130,150 (18.6% below list)

Questions for the listing agent

1. Built in 1942 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 0.81% ✗
• Cap rate: 6.47%
• Cash-on-cash: 0.63%
• DSCR: 1.03
• GRM: 10.2

CMA / ARV

• ARV (on-the-fly): $118,446
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4816 4th St	0.13mi	3/2.0 (+1)	1,017 (-2%)	4mo	$68,000	$67	82
1531 Rainbow Ave	0.18mi	3/1.0 (+1)	1,028 (-1%)	13mo	$92,000	$89	70
1512 Sunkist Ave	0.08mi	2/1.5	930 (-10%)	9mo	$185,000	$199	70
612 Denise Ave	0.28mi	3/1.0 (+1)	1,050 (+1%)	8mo	$106,250	$101	69
616 Denise Ave	0.28mi	3/1.0 (+1)	1,050 (+1%)	8mo	$106,250	$101	69
604 Denise Ave	0.27mi	3/1.0 (+1)	1,050 (+1%)	10mo	$107,000	$102	68
4810 5th St	0.18mi	2/1.0	934 (-10%)	3mo	$93,000	$100	68
618 Denise Ave	0.28mi	3/1.0 (+1)	1,050 (+1%)	10mo	$120,000	$114	68
4807 6th St	0.23mi	3/1.0 (+1)	1,025 (-1%)	13mo	$153,000	$149	67
1816 Steiner Ave	0.24mi	2/1.5	1,134 (+9%)	10mo	$130,000	$115	63
4603 Howard St	0.43mi	3/2.0 (+1)	1,056 (+2%)	12mo	$205,000	$194	62
1801 Colmar Ave	0.40mi	2/2.0	934 (-10%)	9mo	$140,000	$150	56

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -18.4%
• Equity multiple: 0.37×
• Total profit: $-28,259
• Equity at exit: $23,842

10-year hold

• IRR: -17.5%
• Equity multiple: 0.16×
• Total profit: $-37,576
• Equity at exit: $13,825

Cash invested: $44,772 (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 33870

• Home prices YoY: -20.0%
• Rents YoY: -0.3%
• Active inventory: 475
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $1,302 medium
• Mortgage (P&I): −$839
• Tax from tax record: −$99 /mo · $1,192/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$273
• Net cashflow: $24

Break-even live

Break-even rent $1,272

Max offer price $159,900

Occupancy floor 93%

Sensitivity live

Price	-10% $114	-5% $69	+0% $24	+5% $-22	+10% $-67
Rent	-10% $-79	-5% $-28	+0% $24	+5% $75	+10% $127
Rate	-1.0pp $104	-0.5pp $64	base $24	+0.5pp $-18	+1.0pp $-60

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: $39,975
• Closing costs: $4,797
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8761 Watersound Cir Sebring, FL	2.0–3.0	2.0	1090	$1,210	$1.11	21d	1	1.13mi

Listing history 19 events

1. 2026-06-19
   days on market $159,900 Active 24 DOM
2. 2026-06-18
   days on market $159,900 Active 23 DOM
3. 2026-06-17
   days on market $159,900 Active 22 DOM
4. 2026-06-16
   days on market $159,900 Active 21 DOM
5. 2026-06-15
   days on market $159,900 Active 20 DOM
6. 2026-06-14
   days on market $159,900 Active 18 DOM
7. 2026-06-10
   days on market $159,900 Active 15 DOM
8. 2026-06-09
   days on market $159,900 Active 14 DOM
9. 2026-06-08
   days on market $159,900 Active 13 DOM
10. 2026-06-07
    days on market $159,900 Active 12 DOM
11. 2026-06-02
    days on market $159,900 Active 7 DOM
12. 2026-06-01
    days on market $159,900 Active 6 DOM
13. 2026-05-31
    days on market $159,900 Active 5 DOM
14. 2026-05-30
    days on market $159,900 Active 4 DOM
15. 2026-05-26
    listed $159,900 Active
16. 2026-01-23
    price $159,900
17. 2025-11-04
    price $166,900
18. 2004-09-07
    soldstatus $56,600
19. 1996-02-01
    soldstatus $14,000

ⓘ 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: $1,192 · $99/mo
• Projected year-2 tax: $1,327 · $111/mo
• Expected delta: +$135/yr (+$11/mo · 11.3%)

ⓘ 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 9/10 Extreme 7 d/yr ≥108°F today · 24 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: $15,618
• − Mortgage interest: −$8,957
• − Property taxes: −$1,192
• − Insurance: −$800
• − Repairs & maintenance: −$1,249
• − Management: −$1,249
• − Depreciation: −$4,652
• Taxable loss: −$2,481
• Est. tax savings @ 24.0%: +$595
• After-tax cash flow: $880/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: Highlands
• NCES district ID: 1200840
• Math proficiency: 45% ▼ -7.00%
• Reading proficiency: 43% ▼ -3.00%
• Median HH income: $35,276
• Composite: 36.42/100
• National rank: #4672
• State rank: #54 of 73 in FL

Livability — Sebring

• Score: 66/100
• State rank: #618
• US rank: #11992

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Sebring, FL
• County: Highlands County · 98,898 people
• City population: 50,797
• Metro: Sebring-Avon Park, FL
• Population (ZIP): 25,195
• Household income: $49,942
• Rent vs Own: 31.3% rent · 68.7% own
• Severe rent burden: 994.0

Population outlook (Highlands County) Hauer SSP2

• Today (2025): 99,674 people
• By 2030: 99,615 · -0.1%
• By 2040: 99,342 · -0.3%
• By 2050: 98,242 · -1.4%
• By 2075: 93,291 · -6.4%
• By 2100: 79,894 · -19.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 60% Hispanic / Latino 22% Black 13% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 7% Cuban 5%
• Common ancestry: Slovak 2% Romanian 1% Lithuanian 1%
• Foreign-born: 10% · Canada, Jamaica, China
• Languages at home: 80% English-only · Spanish 16% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Highlands

• 2024 margin: Solid R (+40.8) · D 29.3% · R 70.1%
• 2008→2024 swing: -22.7pp toward R · 2008: -18.1pp · 2024: -40.8pp
• All cycles: 2024: R+40.8 2020: R+34.4 2016: R+32.0 2012: R+23.0 2008: R+18.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -68.68%
• Current HPI: 273.9861
• Rent YoY: ▼ -0.29%
• Metro: Sebring-Avon Park, 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

+1042.1% since first listed

5 events — show timeline

• 2026-05-26 Listed $159,900 HAOR as distributed by MLS GRID
• 2026-01-23 Price Changed $159,900 HAOR as distributed by MLS GRID
• 2025-11-04 Price Changed $166,900 HAOR as distributed by MLS GRID
• 2004-09-07 Sold (Public Records) $56,600 Public Records
• 1996-02-01 Sold (Public Records) $14,000 Public Records

Property tax history

+6.3%/yr

Latest (2025): $1,192 · +5.0% YoY. Source: county tax records.