Beachwood Plan · Ruskin, FL 34219

$314,990

3 bd · 2.0 ba · 1,256 sqft · SingleFamily · 326 Days on market

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Why this score? — see what drove the C- 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 +20.9/30.0
• ARV discount +7.5/15.0
• DSCR +6.7/10.0
• 1% rule +5.5/10.0
• Schools +4.4/10.0
• Livability +3.6/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

Ideal for downsizing, the Beachwood makes the most of every square foot. With an open gathering room and kitchen, spacious Owner's Suite with walk-in closet, laundry room and included covered lanai, you'll have everything you need without the upkeep of unused space.

Key facts

• Walk-in closet
• Covered lanai
• Open gathering room

Tags

• OPEN GATHERING ROOM
• SPACIOUS OWNER'S SUITE
• WALK-IN CLOSET
• COVERED LANAI

Property features AI

Finance

• Other: New construction inventory (Plan); Status: Active; Last modified May 21, 2026
• Financial info: List price $314,990

Exterior

• Parking: 2 garage spaces; 2 total parking spaces
• Home design: Plan home (Beachwood plan); Located at 9114 Sunset Haven Ter, Parrish, FL 34219

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Interior features: Living area of 1,256

🏗️ New construction. The $314,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $266,272.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $315k.

Deal economics

• At list price, monthly cash flow is $370 ($4k/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 $280k (11.2% below list).
• Recommended offer: $277k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 4.7% in Ruskin — 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 71/100 on livability (#392 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, commute B+; Watch: amenities F, health & safety F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Annie Lucy Williams Elementary School (math 80% / reading 73%, grade A, #185 of 2,144 statewide, top 9%, 798 students, 31% FRL); Buffalo Creek Middle School (math 59% / reading 51%, grade B-, #180 of 571 statewide, top 32%, 1,127 students, 44% FRL); Palmetto High School (math 22% / reading 36%, grade F, #456 of 667 statewide, top 68%, 2,100 students, 61% FRL).
• Market conditions: Rents soft (-0.9%/yr); 2194 active listings in the ZIP; 2 comparable units currently listed for rent nearby; high-income renter base; 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 326 days — a 12% lower offer ($277k) is reasonable based on typical stale-listing flexibility.

Recommended offer $277,191 (12.0% below list)

Questions for the listing agent

1. It's been on market 326 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.05% ✓
• Cap rate: 7.96%
• Cash-on-cash: 5.96%
• DSCR: 1.27
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $266,272
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15054 Sunbeam St	0.14mi	2/2.0 (-1)	1,433 (+14%)	4mo	$308,620	$215	62
14716 Sunlit Cir	0.59mi	2/2.0 (-1)	1,433 (+14%)	4mo	$298,660	$208	40
14704 Sunlit Cir	0.60mi	2/2.0 (-1)	1,433 (+14%)	4mo	$303,480	$212	40

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: -10.5%
• Equity multiple: 0.63×
• Total profit: $-27,717
• Equity at exit: $39,702

10-year hold

• IRR: -6.1%
• Equity multiple: 0.66×
• Total profit: $-25,280
• Equity at exit: $23,022

Cash invested: $74,556 (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 34219

• Home prices YoY: -23.7%
• Rents YoY: -0.9%
• Active inventory: 2194
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,798 medium
• Mortgage (P&I): −$1,396
• Tax est. 1.5%: −$333 /mo · $3,994/yr
• Insurance: −$111
• HOA: −$0
• Vacancy / Maint / Mgmt: −$588
• Net cashflow: $370

Break-even live

Break-even rent $2,329

Max offer price $266,272

Occupancy floor 82%

Sensitivity live

Price	-10% $554	-5% $462	+0% $370	+5% $278	+10% $186
Rent	-10% $149	-5% $260	+0% $370	+5% $481	+10% $591
Rate	-1.0pp $504	-0.5pp $438	base $370	+0.5pp $301	+1.0pp $231

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: $66,568
• Closing costs: $7,988
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8850 Ginko Run Parrish, FL	3.0	2.5	1691	$2,600	$1.54	18d	1	1.36mi
7148 Boggy Creek Pl Parrish, FL	3.0	2.0	1269	$1,929	$1.52	5d	1	1.43mi

Listing history 15 events

1. 2026-06-22
   days on market $314,990 Active 326 DOM
2. 2026-06-18
   days on market $314,990 Active 323 DOM
3. 2026-06-17
   days on market $314,990 Active 322 DOM
4. 2026-06-16
   days on market $314,990 Active 321 DOM
5. 2026-06-15
   days on market $314,990 Active 320 DOM
6. 2026-06-13
   days on market $314,990 Active 318 DOM
7. 2026-06-13
   days on market $314,990 Active 317 DOM
8. 2026-06-10
   days on market $314,990 Active 315 DOM
9. 2026-06-09
   days on market $314,990 Active 314 DOM
10. 2026-06-08
    days on market $314,990 Active 313 DOM
11. 2026-06-08
    days on market $314,990 Active 312 DOM
12. 2026-06-03
    days on market $314,990 Active 308 DOM
13. 2026-06-02
    days on market $314,990 Active 307 DOM
14. 2026-06-01
    days on market $314,990 Active 306 DOM
15. 2026-05-31
    days on market $314,990 Active 305 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $33,577
• − Mortgage interest: −$14,915
• − Property taxes: −$3,994
• − Insurance: −$1,331
• − Repairs & maintenance: −$2,686
• − Management: −$2,686
• − Depreciation: −$7,746
• Taxable income: $218
• Est. tax owed @ 24.0%: −$52
• After-tax cash flow: $4,392/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: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — Ruskin

• Score: 71/100
• State rank: #392
• US rank: #6879

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Manatee County · 416,364 people
• City population: 14,819
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 33,296
• Household income: $113,773
• Rent vs Own: 8.1% rent · 91.9% own
• Severe rent burden: 219.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Hispanic / Latino 11% Two or more races 8% Black 8% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3%
• Common ancestry: Romanian 4% Hispanic 2% Russian 2%
• Foreign-born: 10% · Canada, Dominican Republic, Jamaica
• Languages at home: 88% English-only · Spanish 7% French/Haitian/Cajun 2% Other Asian/Pacific 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -84.45%
• Current HPI: 271.7131
• Rent YoY: ▼ -0.95%
• 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