36 Bay Ridge Loop · Mascotte, FL 34753

$250,000

3 bd · 2.0 ba · 1,044 sqft · SingleFamily public records · 27 Days on market

Built 2000 0.26 ac lot Est $200k · 25% over

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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
• Appreciation +10.0/10.0
• Schools +4.2/10.0
• Livability +3.6/5.0
• DSCR +3.4/10.0
• 1% rule +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0

Listing remarks MLS

Sparkling clean, Cute as a button. Bring the family, or have your winter home awaiting for you. Huge living room looking in to the dining area, with galley kitchen. 3 bedrooms and 2 baths down the hall. Huge screened in back porch plus a new wooden deck outside. New flooring in the living room, dining area, hall and 1 bedroom. (flooring left in the grg if you want to redo other 2 bedrooms) New fixtures in baths. All new ceiling fans except living room. New lighting in the hall bath. All new blinds. New downspouts on outside. 1 car garage. Step out of the kitchen to a spacious laundry room. You'll enjoy seeing this one. Seller really has it looking nice. .. Don't see this everyday. .. .

Key facts

• Recent upgrades
• New ceiling fans
• Move in ready

Tags

• MOVE IN READY
• RECENT UPGRADES
• NEW KITCHEN APPLIANCES
• FRENCH DRAINAGE SYSTEM
• NEW CEILING FANS
• NEW BLINDS

Property features AI

Finance

• Other: Property zoning: SFLD; Lot roughly 1/4 to less than 1/2 acre (0.25 acre); Vegetation: Wooded
• HOA & community: No HOA association

Exterior

• Parking: Attached garage (1 car)
• Utilities: Public water; Septic tank; Electricity connected; Cable available; Broadband/high-speed internet available; Water connected
• Home design: Single family residence; One story; Faces west; Homestead property
• Construction: Block construction; Shingle roof; Slab foundation; Built as residential single family
• Exterior features: Covered patio; Deck; Sliding doors; Cleared and level yard; Paved surfaces

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans; Thermostat; Window treatments; Blinds
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $-78 ($-940/yr) — negative.
• To cash-flow at today's rent, offer at most $236k (5.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $206k (17.4% below list).
• Recommended offer: $206k (17.4% below list) — sets the bar for 1% rule.
• Cap rate 5.9% vs local median 4.8% in Mascotte — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 71/100 on livability (#405 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F.
• Lake (suburban): math 49% / reading 50% proficiency, ranked #37 of 73 in FL (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Mascotte Elementary School (math 50% / reading 47%, grade D, #1,152 of 2,144 statewide, top 55%, 855 students, 62% FRL, charter); South Lake High School (math 36% / reading 39%, grade F, #336 of 667 statewide, top 51%, 2,169 students, 40% FRL) — zoned schools at 51% FRL track the district average.
• Market conditions: 98 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 4,799 units permitted in Lake County in 2024 (814 in 5+ unit buildings).

Forward outlook

• In year one you build about $27k of equity ($2k loan paydown + $25k appreciation (10.0% local appreciation)).
• Lake County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $70k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$43k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($246k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 21y 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; major wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $206,456 (17.4% 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. 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: 0.83% ✗
• Cap rate: 5.92%
• Cash-on-cash: -1.34%
• DSCR: 0.94
• GRM: 10.1

CMA / ARV

• ARV (on-the-fly): $200,448
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10 Bay Ridge Loop	0.10mi	3/2.0	1,195 (+14%)	9mo	$230,000	$192	64
120 Brittany Rd	0.65mi	3/2.0	1,123 (+8%)	1mo	$295,000	$263	56
118 N Sunset Ave	0.47mi	3/2.0	1,174 (+12%)	2mo	$120,000	$102	55
333 Midway Ave	0.54mi	3/1.0	1,021 (-2%)	16mo	$255,500	$250	54
306 Line Ave	0.39mi	2/1.0 (-1)	1,044 (0%)	23mo	$160,000	$153	54
15 E Mohawk St	0.46mi	2/1.0 (-1)	992 (-5%)	14mo	$155,000	$156	50

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: 23.3%
• Equity multiple: 2.87×
• Total profit: $131,186
• Equity at exit: $225,220

10-year hold

• IRR: 20.8%
• Equity multiple: 6.58×
• Total profit: $390,286
• Equity at exit: $485,695

Cash invested: $70,000 (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 34753

• Home prices YoY: 7.2%
• Active inventory: 98
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $2,065 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$294 /mo · $3,530/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$434
• Net cashflow: $-78

Break-even live

Break-even rent $2,164

Max offer price $236,159

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
538 Orange St Unit 538 Mascotte, FL	2.0	1.0	850	$1,450	$1.71	3d	1	0.30mi
232 Boca Ciega Rd Mascotte, FL	4.0	2.0	1280	$2,095	$1.64	12d	1	0.59mi
4025 E Cardinal Pines Dr Mascotte, FL	3.0	2.0	1260	$2,100	$1.67	5d	1	1.47mi

Listing history 30 events

1. 2026-06-18
   price $250,000 Active 27 DOM
2. 2026-06-18
   days on market $260,000 Active 27 DOM
3. 2026-06-17
   days on market $260,000 Active 26 DOM
4. 2026-06-16
   days on market $260,000 Active 25 DOM
5. 2026-06-15
   days on market $260,000 Active 24 DOM
6. 2026-06-13
   days on market $260,000 Active 22 DOM
7. 2026-06-09
   days on market $260,000 Active 18 DOM
8. 2026-06-08
   days on market $260,000 Active 17 DOM
9. 2026-06-07
   days on market $260,000 Active 16 DOM
10. 2026-06-04
    days on market $260,000 Active 13 DOM
11. 2026-06-03
    days on market $260,000 Active 12 DOM
12. 2026-06-02
    days on market $260,000 Active 11 DOM
13. 2026-06-01
    days on market $260,000 Active 10 DOM
14. 2026-05-31
    days on market $260,000 Active 9 DOM
15. 2026-05-22
    listed $260,000 Active
16. 2022-12-15
    soldstatus $270,000
17. 2022-12-09
    soldstatus $270,000 Closed 694-char remark

    Show marketing remark (694 chars)

    Sparkling clean, Cute as a button. Bring the family, or have your winter home awaiting for you. Huge living room looking in to the dining area, with galley kitchen. 3 bedrooms and 2 baths down the hall. Huge screened in back porch plus a new wooden deck outside. New flooring in the living room, dining area, hall and 1 bedroom. (flooring left in the grg if you want to redo other 2 bedrooms) New fixtures in baths. All new ceiling fans except living room. New lighting in the hall bath. All new blinds. New downspouts on outside. 1 car garage. Step out of the kitchen to a spacious laundry room. You'll enjoy seeing this one. Seller really has it looking nice. .. Don't see this everyday. .. .

18. 2022-10-31
    status Pending 694-char remark

    Show marketing remark (694 chars)

    Sparkling clean, Cute as a button. Bring the family, or have your winter home awaiting for you. Huge living room looking in to the dining area, with galley kitchen. 3 bedrooms and 2 baths down the hall. Huge screened in back porch plus a new wooden deck outside. New flooring in the living room, dining area, hall and 1 bedroom. (flooring left in the grg if you want to redo other 2 bedrooms) New fixtures in baths. All new ceiling fans except living room. New lighting in the hall bath. All new blinds. New downspouts on outside. 1 car garage. Step out of the kitchen to a spacious laundry room. You'll enjoy seeing this one. Seller really has it looking nice. .. Don't see this everyday. .. .

19. 2022-10-22
    listed $279,000 Active 694-char remark

    Show marketing remark (694 chars)

    Sparkling clean, Cute as a button. Bring the family, or have your winter home awaiting for you. Huge living room looking in to the dining area, with galley kitchen. 3 bedrooms and 2 baths down the hall. Huge screened in back porch plus a new wooden deck outside. New flooring in the living room, dining area, hall and 1 bedroom. (flooring left in the grg if you want to redo other 2 bedrooms) New fixtures in baths. All new ceiling fans except living room. New lighting in the hall bath. All new blinds. New downspouts on outside. 1 car garage. Step out of the kitchen to a spacious laundry room. You'll enjoy seeing this one. Seller really has it looking nice. .. Don't see this everyday. .. .

20. 2017-02-22
    soldstatus $124,200
21. 2017-02-21
    soldstatus $124,200 Sold 708-char remark

    Show marketing remark (708 chars)

    This cute 3 bedroom, 2 bathroom home has been completely remodeled. This home offers a nice floor plan with all new granite counter tops, new kitchen cabinets, subway tile backsplash, SS appliances, interior and exterior paint, laminate flooring and 5 1/4" baseboards through-out and so much more. Both bathrooms are nicely tiled with new bathroom vanities, light fixtures and toilets. The layout is great for entertaining - just off the kitchen/dining area are sliders leading to the large screened, covered deck. The large deck offers lots of outdoor living space and it overlooks the private fenced backyard which has a wonderful peaceful view. This home sits on over 1/4 acre with no rear neighbors.

22. 2017-01-11
    status Pending 708-char remark

    Show marketing remark (708 chars)

    This cute 3 bedroom, 2 bathroom home has been completely remodeled. This home offers a nice floor plan with all new granite counter tops, new kitchen cabinets, subway tile backsplash, SS appliances, interior and exterior paint, laminate flooring and 5 1/4" baseboards through-out and so much more. Both bathrooms are nicely tiled with new bathroom vanities, light fixtures and toilets. The layout is great for entertaining - just off the kitchen/dining area are sliders leading to the large screened, covered deck. The large deck offers lots of outdoor living space and it overlooks the private fenced backyard which has a wonderful peaceful view. This home sits on over 1/4 acre with no rear neighbors.

23. 2017-01-10
    listed $124,200 Active 708-char remark

    Show marketing remark (708 chars)

    This cute 3 bedroom, 2 bathroom home has been completely remodeled. This home offers a nice floor plan with all new granite counter tops, new kitchen cabinets, subway tile backsplash, SS appliances, interior and exterior paint, laminate flooring and 5 1/4" baseboards through-out and so much more. Both bathrooms are nicely tiled with new bathroom vanities, light fixtures and toilets. The layout is great for entertaining - just off the kitchen/dining area are sliders leading to the large screened, covered deck. The large deck offers lots of outdoor living space and it overlooks the private fenced backyard which has a wonderful peaceful view. This home sits on over 1/4 acre with no rear neighbors.

24. 2016-11-21
    soldstatus $73,500 Sold
25. 2016-11-15
    status Pending
26. 2016-09-29
    listed $105,000 Active
27. 2005-08-17
    soldstatus $175,000
28. 2005-08-09
    soldstatus $175,000
29. 2005-07-14
    listed $174,900
30. 2001-01-23
    soldstatus $72,600

ⓘ 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: $3,530 · $294/mo
• Projected year-2 tax: $3,530 · $294/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 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: $24,775
• − Mortgage interest: −$14,004
• − Property taxes: −$3,530
• − Insurance: −$1,250
• − Repairs & maintenance: −$1,982
• − Management: −$1,982
• − Depreciation: −$7,273
• Taxable loss: −$5,246
• Est. tax savings @ 24.0%: +$1,259
• After-tax cash flow: $319/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: Lake
• NCES district ID: 1201050
• Math proficiency: 49% ▼ -7.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $46,632
• Composite: 42.05/100
• National rank: #3327
• State rank: #37 of 73 in FL

Livability — Mascotte

• Score: 71/100
• State rank: #405
• US rank: #7156

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Mascotte, FL
• County: Lake County · 364,602 people
• City population: 33,565
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 7,985
• Household income: $83,868
• Rent vs Own: 22.5% rent · 77.5% own
• Severe rent burden: 16.0

Population outlook (Lake County) Hauer SSP2

• Today (2025): 386,640 people
• By 2030: 417,107 · +7.9%
• By 2040: 476,676 · +23.3%
• By 2050: 531,296 · +37.4%
• By 2075: 648,303 · +67.7%
• By 2100: 698,530 · +80.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 38% Hispanic / Latino 35% Two or more races 25% Black 20% Asian 3%
• Hispanic origin (detail): Mexican 11% Puerto Rican 12% Dominican 2%
• Common ancestry: Slovak 1% Serbian 1% Romanian 1%
• Foreign-born: 10% · Canada, Jamaica
• Languages at home: 67% English-only · Spanish 32%

Political lean MEDSL · Lake

• 2024 margin: Strong R (+24.7) · D 37.3% · R 62.0%
• 2008→2024 swing: -11.2pp toward R · 2008: -13.5pp · 2024: -24.7pp
• All cycles: 2024: R+24.7 2020: R+20.0 2016: R+23.1 2012: R+17.1 2008: R+13.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 19.01%
• Current HPI: 281.96
• Rent YoY: —
• Metro: Orlando-Kissimmee-Sanford, 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

+258.1% since first listed

16 events — show timeline

• 2026-05-22 Listed $260,000 Stellar MLS as Distributed by MLS Grid
• 2022-12-15 Sold (Public Records) $270,000 Public Records
• 2022-12-09 Sold (MLS) $270,000 Stellar MLS as Distributed by MLS Grid
• 2022-10-31 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-10-22 Listed $279,000 Stellar MLS as Distributed by MLS Grid
• 2017-02-22 Sold (Public Records) $124,200 Public Records
• 2017-02-21 Sold (MLS) $124,200 Stellar MLS as Distributed by MLS Grid
• 2017-01-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-01-10 Listed $124,200 Stellar MLS as Distributed by MLS Grid
• 2016-11-21 Sold (MLS) $73,500 Stellar MLS as Distributed by MLS Grid
• 2016-11-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-09-29 Listed $105,000 Stellar MLS as Distributed by MLS Grid
• 2005-08-17 Sold (Public Records) $175,000 Public Records
• 2005-08-09 Sold (MLS) $175,000 Stellar MLS as Distributed by MLS Grid
• 2005-07-14 Listed $174,900 Stellar MLS as Distributed by MLS Grid
• 2001-01-23 Sold (Public Records) $72,600 Public Records

Property tax history

+16.0%/yr

Latest (2025): $3,530 · +4.7% YoY. Source: county tax records.