521 W Juniper Ave · DeFuniak Springs, FL 32433

$325,000

3 bd · 2.0 ba · 1,242 sqft · SingleFamily public records · 122 Days on market

Built 2022 0.46 ac lot Est $233k · 39% 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).

• Appreciation +10.0/10.0
• Cash flow +6.3/30.0
• Schools +5.2/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +0.6/10.0
• 1% rule +0.5/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

Key facts

• Shaker-style doors
• Fire pit
• Open-concept living

Tags

• CRAFTSMAN-STYLE
• CUSTOM-DESIGNED PAVER DRIVEWAY
• OPEN-CONCEPT LIVING
• SHAKER-STYLE DOORS
• FENCED BACKYARD
• FIRE PIT

Property features AI

Finance

• HOA & community: Located in the Oakwood Hills subdivision

Exterior

• Parking: Detached, oversized garage (2 car) — see remarks
• Utilities: Electric service; Public water; Septic tank; Electric water heater
• Home design: Craftsman style; Single-story; Built in 2022
• Construction: Vinyl siding; Composite shingle roof; Appraiser-sourced building area
• Exterior features: Private yard; Rain gutters; Interior, level lot; County road frontage (graded/maintained dirt/clay road)

Interior

• Kitchen: Dishwasher; Microwave
• Bedrooms: 3 bedrooms; Primary bedroom on the first floor with tile shower-only primary bathroom
• Flooring: Tile; Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Breakfast bar; Crown molding; Recessed lighting; Split-bedroom layout; Washer/dryer hookup; Window treatments
• Laundry & utility: Washer/dryer hookup; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $325k.

Deal economics

• At list price, monthly cash flow is $-573 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $224k (31.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $178k (45.3% below list).
• Recommended offer: $178k (45.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 64/100 on livability (#694 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety C-, crime D, amenities F.
• Walton (rural): math 62% / reading 61% proficiency, ranked #10 of 73 in FL (top 14%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Mossy Head School (math 72% / reading 57%, grade B, #525 of 2,144 statewide, top 26%, 439 students, 86% FRL); Walton High School (math 52% / reading 53%, grade C-, #154 of 667 statewide, top 24%, 856 students, 65% FRL) — zoned schools average 75% FRL vs 48% district-wide (27 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 422 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 2,883 units permitted in Walton County in 2024 (1,322 in 5+ unit buildings).
• This rent runs 41% of the median local income ($52k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $35k of equity ($2k loan paydown + $32k appreciation (10.0% local appreciation)).
• Walton County population projected at +46% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$56k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 122 days — a 12% lower offer ($286k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 4y 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; moderate 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 $177,740 (45.3% 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 122 days. Have you received any prior offers? Is the seller open to a 45% concession, seller financing, or rate buy-down credit?
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. Crime grade is D 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?
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: 0.55% ✗
• Cap rate: 4.18%
• Cash-on-cash: -7.55%
• DSCR: 0.66
• GRM: 15.2

CMA / ARV

• ARV (on-the-fly): $233,496
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
111 Girl Scout Rd	0.19mi	3/2.0	1,114 (-10%)	2mo	$199,990	$180	72
224 E Iris Ln	0.55mi	3/2.0	1,165 (-6%)	1mo	$209,000	$179	63
94 W Oleander Ave	0.36mi	3/2.0	1,363 (+10%)	6mo	$274,900	$202	62
344 Marigold Ave	0.58mi	3/2.0	1,200 (-3%)	10mo	$229,000	$191	59
675 Passion Flower St	0.48mi	3/2.0	1,145 (-8%)	10mo	$224,000	$196	56
470 E Marigold East Ave	0.58mi	3/2.0	1,363 (+10%)	2mo	$251,000	$184	56
366 Shorey Dr	0.65mi	3/2.0	1,288 (+4%)	10mo	$249,900	$194	55
631 Passion Flower St	0.61mi	3/2.0	1,165 (-6%)	9mo	$219,000	$188	54
390 E Iris Ln	0.52mi	3/2.0	1,114 (-10%)	9mo	$199,990	$180	51
92 E Larkspur Ave	0.64mi	3/2.0	1,145 (-8%)	11mo	$224,000	$196	48
135 E Tiger Lily Ln	0.74mi	3/2.0	1,114 (-10%)	2mo	$179,888	$161	47
624 Tiger Lily Ln	0.67mi	3/2.0	1,114 (-10%)	9mo	$199,990	$180	44

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 18.9%
• Equity multiple: 2.54×
• Total profit: $140,387
• Equity at exit: $292,786

10-year hold

• IRR: 17.5%
• Equity multiple: 5.86×
• Total profit: $441,826
• Equity at exit: $631,404

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 32433

• Home prices YoY: 4.2%
• Active inventory: 422
• Price-to-rent: 15.2×

Monthly cashflow live

• Estimated rent: $1,777 medium
• Mortgage (P&I): −$1,704
• Tax from tax record: −$137 /mo · $1,646/yr
• Insurance: −$135
• HOA: −$0
• Vacancy / Maint / Mgmt: −$373
• Net cashflow: $-573

Break-even live

Break-even rent $2,502

Max offer price $223,822

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 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
71 Lafavre Ln Defuniak Springs, FL	2.0	1.0	806	$1,650	$2.05	20d	1	0.25mi
150 Hibiscus Ave Defuniak Springs, FL	3.0	2.0	1256	$1,950	$1.55	20d	1	0.62mi
135 Tiger Lily Ln Defuniak Springs, FL	3.0	2.0	1114	$1,795	$1.61	13d	1	0.76mi

Listing history 31 events

1. 2026-06-18
   days on market $325,000 Active 122 DOM
2. 2026-06-17
   days on market $325,000 Active 121 DOM
3. 2026-06-16
   days on market $325,000 Active 120 DOM
4. 2026-06-15
   days on market $325,000 Active 119 DOM
5. 2026-06-14
   days on market $325,000 Active 117 DOM
6. 2026-06-13
   days on market $325,000 Active 116 DOM
7. 2026-06-10
   days on market $325,000 Active 114 DOM
8. 2026-06-09
   days on market $325,000 Active 113 DOM
9. 2026-06-08
   days on market $325,000 Active 112 DOM
10. 2026-06-07
    days on market $325,000 Active 111 DOM
11. 2026-06-05
    days on market $325,000 Active 108 DOM
12. 2026-06-03
    days on market $325,000 Active 107 DOM
13. 2026-06-03
    days on market $325,000 Active 106 DOM
14. 2026-06-01
    days on market $325,000 Active 105 DOM
15. 2026-05-31
    days on market $325,000 Active 104 DOM
16. 2026-05-30
    days on market $325,000 Active 103 DOM
17. 2026-02-13
    listed $325,000 Active
18. 2025-05-30
    price $340,000
19. 2024-11-29
    price $344,500
20. 2024-05-31
    listed $349,900 Active
21. 2022-12-30
    soldstatus $297,575 Sold 420-char remark

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

22. 2022-12-30
    soldstatus $297,575 Sold 420-char remark

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

23. 2022-12-30
    soldstatus $297,575

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

24. 2022-12-12
    status Pending 420-char remark

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

25. 2022-12-12
    status Pending 420-char remark

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

26. 2022-11-18
    status Active 420-char remark

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

27. 2022-11-18
    status Active 420-char remark

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

28. 2022-10-28
    status Pending 420-char remark

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

29. 2022-10-28
    status Pending 420-char remark

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

30. 2022-10-18
    listed $299,999 Active 420-char remark

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

31. 2022-10-18
    listed $299,999 Active 420-char remark

    Show marketing remark (420 chars)

    Immaculate home centrally located between Defuniak Springs & I-10 in Mossy Head. 10 min to Defuniak Spgs or I-10 & Hwy 285, 20 min to Crestview & less than 30 min to Eglin AFB or 7th Special Forces. 5 min to best bbq I've had in my life (Simply Good BBQ). Fully Fenced perimeter. 2 car detached garage. Brand-new fire pit on pavers. Crown molding throughout. Definite a must see. Schedule your showing today!

ⓘ 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: $1,646 · $137/mo
• Projected year-2 tax: $2,698 · $225/mo
• Expected delta: +$1,052/yr (+$88/mo · 63.9%)

ⓘ 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 ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,329
• − Mortgage interest: −$18,205
• − Property taxes: −$1,646
• − Insurance: −$1,625
• − Repairs & maintenance: −$1,706
• − Management: −$1,706
• − Depreciation: −$9,455
• Taxable loss: −$13,014
• Est. tax savings @ 24.0%: +$3,123
• After-tax cash flow: $-3,750/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: Walton
• NCES district ID: 1201980
• Math proficiency: 62% ▼ -4.00%
• Reading proficiency: 61% ▼ -2.00%
• Median HH income: $46,794
• Composite: 52.03/100
• National rank: #1634
• State rank: #10 of 73 in FL

Livability — DeFuniak Springs

• Score: 64/100
• State rank: #694
• US rank: #14475

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Walton County · 70,839 people
• City population: 19,746
• Metro: Crestview-Fort Walton Beach-Destin, FL
• Population (ZIP): 19,746
• Household income: $52,199
• Rent vs Own: 25.4% rent · 74.6% own
• Severe rent burden: 356.0

Population outlook (Walton County) Hauer SSP2

• Today (2025): 80,014 people
• By 2030: 88,120 · +10.1%
• By 2040: 103,537 · +29.4%
• By 2050: 117,034 · +46.3%
• By 2075: 143,901 · +79.8%
• By 2100: 155,138 · +93.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Black 10% Hispanic / Latino 8% Two or more races 7% Native American 1%
• Hispanic origin (detail): Mexican 5%
• Common ancestry: Slovak 3% Italian 2% Lithuanian 2%
• Foreign-born: 6% · Canada
• Languages at home: 92% English-only · Spanish 4% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Walton

• 2024 margin: Solid R (+57.8) · D 20.7% · R 78.6%
• 2008→2024 swing: -12.0pp toward R · 2008: -45.8pp · 2024: -57.8pp
• All cycles: 2024: R+57.8 2020: R+51.7 2016: R+56.1 2012: R+52.0 2008: R+45.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 14.77%
• Current HPI: 367.046
• Rent YoY: —
• Metro: Crestview-Fort Walton Beach-Destin, 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

+8.3% since first listed

15 events — show timeline

• 2026-02-13 Listed $325,000 ECAR
• 2025-05-30 Price Changed $340,000 ECAR
• 2024-11-29 Price Changed $344,500 ECAR
• 2024-05-31 Listed $349,900 ECAR
• 2022-12-30 Sold (Public Records) $297,575 Public Records
• 2022-12-30 Sold (MLS) $297,575 ECAR
• 2022-12-30 Sold (MLS) $297,575 NAMLS
• 2022-12-12 Pending — ECAR
• 2022-12-12 Pending — NAMLS
• 2022-11-18 Relisted — NAMLS
• 2022-11-18 Relisted — ECAR
• 2022-10-28 Pending — ECAR
• 2022-10-28 Pending — NAMLS
• 2022-10-18 Listed $299,999 ECAR
• 2022-10-18 Listed $299,999 NAMLS

Property tax history

+57.0%/yr

Latest (2025): $1,646 · -11.5% YoY. Source: county tax records.