112 Lado Ln · Titusville, FL 32780

$230,000

3 bd · 2.0 ba · 1,091 sqft · SingleFamily public records · 64 Days on market

Built 2000 8,276 sqft lot

---

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 +11.6/30.0
• ARV discount +7.5/15.0
• Schools +4.7/10.0
• Livability +4.2/5.0
• DSCR +3.4/10.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• 1% rule +2.4/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

NEW ROOF & WATER HEATER JUST INSTALLED 2016!Cozy 3 bedroom 2 bath home built in 2000 with lots of upgrades made in 2007. Great starter home! Just minutes to KSC and other main areas of travel.

Key facts

• New tile flooring
• Close to parks
• Flexible layout

Tags

• VERSATILE BONUS ROOM
• NEW TILE FLOORING
• RECENTLY UPDATED KITCHEN
• FLEXIBLE LAYOUT
• STEPS FROM TITUS LANDING
• CLOSE TO PARKS

Property features AI

Finance

• Other: Lot with a few trees; Approximately 0.19 acres

Exterior

• Parking: Garage; On-street parking; 1-car garage
• Utilities: Public sewer; Cable available; Electricity available; Sewer available; Water available
• Home design: Single family residence; Faces south
• Construction: Frame and stucco construction; Other construction materials
• Exterior features: Fire pit; Rear screened porch; Porch

Interior

• Kitchen: Convection oven; Electric cooktop; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Open floorplan; Primary bathroom with shower (no tub)
• Laundry & utility: Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $230k.

Deal economics

• At list price, monthly cash flow is $-73 ($-873/yr) — negative.
• To cash-flow at today's rent, offer at most $217k (5.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $170k (26.3% below list).
• Recommended offer: $170k (26.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 84/100 on livability (#42 in FL, #668 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: crime D, employment D.
• Brevard (suburban): math 53% / reading 57% proficiency, ranked #19 of 73 in FL (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Coquina Elementary School (math 38% / reading 45%, grade F, #1,437 of 2,144 statewide, top 68%, 557 students, 75% FRL); Andrew Jackson Middle School (math 52% / reading 47%, grade C, #259 of 571 statewide, top 46%, 551 students, 58% FRL); Titusville High School (math 33% / reading 52%, grade F, #264 of 667 statewide, top 41%, 1,314 students, 55% FRL) — zoned schools average 63% FRL vs 43% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+1.3%/yr); 462 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 4,602 units permitted in Brevard County in 2024 (702 in 5+ unit buildings).
• This rent runs 30% of the median local income ($68k/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.
• Brevard County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 64 days — a 6% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 19y ago; this cycle's ask has dropped $30k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $100k; list at $230k implies a 130% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: moderate flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $169,607 (26.3% 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 64 days. Have you received any prior offers? Is the seller open to a 26% 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. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.74% ✗
• Cap rate: 5.91%
• Cash-on-cash: -1.36%
• DSCR: 0.94
• GRM: 11.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.29% rent growth · sell at horizon

5-year hold

• IRR: -20.3%
• Equity multiple: 0.30×
• Total profit: $-44,858
• Equity at exit: $34,294

10-year hold

• IRR: -17.2%
• Equity multiple: 0.12×
• Total profit: $-56,744
• Equity at exit: $19,886

Cash invested: $64,400 (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 32780

• Rents YoY: 1.3%
• Active inventory: 462
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $1,696 high
• Mortgage (P&I): −$1,206
• Tax from tax record: −$111 /mo · $1,328/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$356
• Net cashflow: $-73

Break-even live

Break-even rent $1,788

Max offer price $217,143

Occupancy floor 99%

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: $57,500
• Closing costs: $6,900
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2825 S Washington Ave Titusville, FL	2.0	1.0	613	$2,050	$3.34	14d	31	0.14mi
2825 S Washington Ave Titusville, FL	2.0	1.0	613	$2,050	$3.34	14d	31	0.14mi
102 Court St Titusville, FL	1.0–2.0	1.0	721	$1,550	$2.15	23d	6	0.19mi
3147 Sir Hamilton Cir #10 Titusville, FL	2.0	1.0	960	$1,400	$1.46	23d	1	0.27mi
2467 S Washington Ave Unit 210 B Titusville, FL	2.0	2.0	830	$1,800	$2.17	23d	1	0.32mi
3035 Sir Hamilton Cir Titusville, FL	2.0	2.0	960	$1,400	$1.46	14d	1	0.33mi
3021 Sir Hamilton Cir Titusville, FL	2.0	2.0	1040	$1,275	$1.23	23d	1	0.33mi
3039 Sir Hamilton Cir #8 Titusville, FL	2.0	2.0	960	$1,500	$1.56	23d	1	0.33mi
3119 Sir Hamilton Cir Titusville, FL	2.0	1.0	960	$1,250	$1.30	14d	1	0.33mi
2465 S Washington Ave #108 Titusville, FL	2.0	2.0	830	$1,800	$2.17	23d	1	0.34mi
2465 S Washington Ave Unit A202 Titusville, FL	2.0	2.0	830	$1,900	$2.29	14d	1	0.34mi
2999 Sir Hamilton Cir #9 Titusville, FL	2.0	1.0	960	$1,250	$1.30	23d	1	0.36mi
680 Birchwood Ln Titusville, FL	3.0	2.0	1440	$1,900	$1.32	23d	1	0.45mi
3555 Sable Palm Ln Unit F Titusville, FL	2.0	2.0	864	$1,350	$1.56	23d	1	0.55mi
3555 Sable Palm Ln Unit 7K Titusville, FL	2.0	2.0	864	$1,300	$1.50	23d	1	0.55mi
2965 La Cita Ln Titusville, FL	3.0	2.0	1456	$2,200	$1.51	14d	1	0.55mi
3570 Sable Palm Ln Titusville, FL	1.0–2.0	1.0–2.0	779	$1,350	$1.73	21d	3	0.60mi
1041 Country Club Dr Titusville, FL	2.0	2.0	1020	$1,900	$1.86	23d	1	0.68mi
1041 Country Club Dr #426 Titusville, FL	2.0	2.0	1020	$1,800	$1.76	23d	1	0.68mi
1039 Country Club Dr Titusville, FL	2.0	2.0	1020	$1,800	$1.76	23d	1	0.68mi
1099 Country Club Dr #811 Titusville, FL	2.0	2.0	940	$1,800	$1.91	23d	1	0.74mi
1825 Riverside Dr Titusville, FL	2.0	2.0	1201	$2,555	$2.13	14d	3	0.77mi
3805 S Hopkins Ave Titusville, FL	1.0–2.0	1.0	720	$1,790	$2.49	14d	7	0.84mi
1209 Country Club Dr Titusville, FL	2.0	2.0	935	$1,700	$1.82	23d	1	0.84mi
1237 Country Club Dr Titusville, FL	2.0	2.0	970	$1,600	$1.65	23d	1	0.84mi
1710 S Washington Ave Unit 1 Titusville, FL	2.0	1.0	710	$1,250	$1.76	23d	1	0.88mi
1710 S Washington Ave #16 Titusville, FL	2.0	1.0	710	$1,100	$1.55	23d	1	0.88mi
190 E Olmstead Dr Titusville, FL	2.0–3.0	1.0–2.0	1091	$1,800	$1.65	23d	5	0.97mi
1540 Riverside Dr #402 Titusville, FL	2.0	2.0	1120	$1,800	$1.61	23d	1	1.00mi
4050 Mount Sterling Ave Titusville, FL	3.0	1.0	960	$1,700	$1.77	14d	1	1.03mi
190 E Olmstead Dr Unit M1 Titusville, FL	2.0	2.0	1023	$1,800	$1.76	23d	1	1.03mi
4124 Mount Vernon Ave Titusville, FL	2.0	1.0	901	$1,200	$1.33	14d	1	1.10mi
1428 Riverside Dr Titusville, FL	3.0	1.0	1412	$2,200	$1.56	23d	1	1.14mi
1735 Harrison St #231 Titusville, FL	2.0	2.0	915	$1,700	$1.86	19d	1	1.21mi
3645 Barna Ave Titusville, FL	1.0–2.0	1.0	895	$1,350	$1.51	23d	4	1.22mi
3136 Finsterwald Dr Titusville, FL	2.0	2.5	1280	$2,000	$1.56	23d	1	1.22mi
1590 S Deleon Ave Titusville, FL	3.0	1.0	1072	$1,600	$1.49	23d	1	1.24mi
4171 David Dr Titusville, FL	2.0	1.0	900	$1,075	$1.19	23d	1	1.27mi
1081 Solamere Dr Titusville, FL	1.0–3.0	1.0–2.0	1331	$2,101	$1.58	14d	17	1.27mi
1690 Elizabeth Ave Titusville, FL	4.0	1.0	1008	$1,500	$1.49	23d	1	1.29mi

Listing history 12 events

1. 2026-05-18
   status Pending
2. 2026-05-09
   status Active
3. 2026-04-29
   status Pending
4. 2026-04-13
   price $230,000
5. 2026-03-25
   price $245,000
6. 2026-03-01
   listed $260,000 Active
7. 2016-11-01
   soldstatus $100,000
8. 2016-10-26
   soldstatus $100,000 198-char remark

   Show marketing remark (198 chars)

   NEW ROOF & WATER HEATER JUST INSTALLED 2016!Cozy 3 bedroom 2 bath home built in 2000 with lots of upgrades made in 2007. Great starter home! Just minutes to KSC and other main areas of travel.

9. 2015-12-24
   listed $105,500 198-char remark

   Show marketing remark (198 chars)

   NEW ROOF & WATER HEATER JUST INSTALLED 2016!Cozy 3 bedroom 2 bath home built in 2000 with lots of upgrades made in 2007. Great starter home! Just minutes to KSC and other main areas of travel.

10. 2008-03-19
    soldstatus $80,000 218-char remark

    Show marketing remark (218 chars)

    House built in 2000, 3 bedroom 2 bath. Close to shopping, dining & schools. 40 Min. in all directions to Orlando Theme Parks, Daytona, & Melbourne. Great investment as a rental also. Home needs some repairs.

11. 2007-01-31
    listed $83,000 218-char remark

    Show marketing remark (218 chars)

    House built in 2000, 3 bedroom 2 bath. Close to shopping, dining & schools. 40 Min. in all directions to Orlando Theme Parks, Daytona, & Melbourne. Great investment as a rental also. Home needs some repairs.

12. 1999-06-21
    soldstatus $7,500

ⓘ 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: $1,328 · $111/mo
• Projected year-2 tax: $1,909 · $159/mo
• Expected delta: +$581/yr (+$48/mo · 43.7%)

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

Climate risk First Street

• 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 43% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $20,353
• − Mortgage interest: −$12,884
• − Property taxes: −$1,328
• − Insurance: −$1,150
• − Repairs & maintenance: −$1,628
• − Management: −$1,628
• − Depreciation: −$6,691
• Taxable loss: −$4,956
• Est. tax savings @ 24.0%: +$1,190
• After-tax cash flow: $316/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: Brevard
• NCES district ID: 1200150
• Math proficiency: 53% ▼ -9.00%
• Reading proficiency: 57% ▼ -4.00%
• Median HH income: $49,426
• Composite: 46.86/100
• National rank: #2370
• State rank: #19 of 73 in FL

Livability — Titusville

• Score: 84/100
• State rank: #42
• US rank: #668

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Titusville, FL
• County: Brevard County · 602,871 people
• City population: 60,286
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 40,064
• Household income: $67,690
• Rent vs Own: 28.2% rent · 71.8% own
• Severe rent burden: 1141.0

Population outlook (Brevard County) Hauer SSP2

• Today (2025): 623,254 people
• By 2030: 648,420 · +4.0%
• By 2040: 690,009 · +10.7%
• By 2050: 715,669 · +14.8%
• By 2075: 775,744 · +24.5%
• By 2100: 776,687 · +24.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Black 13% Hispanic / Latino 8% Two or more races 8% Asian 3%
• Hispanic origin (detail): Mexican 1% Puerto Rican 4% Cuban 1%
• Common ancestry: Romanian 2% Slovak 2% Lithuanian 2%
• Foreign-born: 8% · Canada, China
• Languages at home: 89% English-only · Spanish 6% Other Indo-European 1% German/W. Germanic 1%

Political lean MEDSL · Brevard

• 2024 margin: Strong R (+20.8) · D 39.1% · R 59.9% · Other 1.0%
• 2008→2024 swing: -10.4pp toward R · 2008: -10.4pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+16.4 2016: R+19.8 2012: R+12.7 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -162.54%
• Current HPI: 297.151
• Rent YoY: ▲ 1.29%
• Metro: Palm Bay-Melbourne-Titusville, 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

+2966.7% since first listed

12 events — show timeline

• 2026-05-18 Pending — SCMLS
• 2026-05-09 Relisted — SCMLS
• 2026-04-29 Pending — SCMLS
• 2026-04-13 Price Changed $230,000 SCMLS
• 2026-03-25 Price Changed $245,000 SCMLS
• 2026-03-01 Listed $260,000 SCMLS
• 2016-11-01 Sold (Public Records) $100,000 Public Records
• 2016-10-26 Sold (MLS) $100,000 SCMLS
• 2015-12-24 Listed $105,500 SCMLS
• 2008-03-19 Sold (MLS) $80,000 SCMLS
• 2007-01-31 Listed $83,000 SCMLS
• 1999-06-21 Sold (Public Records) $7,500 Public Records

Property tax history

+6.7%/yr

Latest (2025): $1,328 · +3.3% YoY. Source: county tax records.