14426 NE 160th Ave · Waldo, FL 32694

$75,000

2 bd · 1.0 ba · 646 sqft · SingleFamily public records · 26 Days on market

Built 1995

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Why this score? — see what drove the B+ 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Appreciation +9.0/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

This is a handyman''s dream investment property! This home is just waiting for the right investor and a few weeks of elbow grease. The painting is almost done, and the flooring has been started and the remaining flooring is already in the house. The home needs a new roof immediately and there is no central AC or heat, you will need to install a mini split or window units. This is the perfect low income rental property- it can easily pay itself off in 5-6 years! CASH OFFERS ONLY.

Key facts

• Built 1995
• Listed 26 days

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $642 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $74k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 63/100 on livability (#705 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: crime C-, amenities F, commute F.
• Alachua (urban): math 49% / reading 54% proficiency, ranked #30 of 73 in FL (top 41%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Chester Shell Elementary School (math 27% / reading 27%, grade F, #1,969 of 2,144 statewide, top 94%, 355 students, 82% FRL) — zoned schools average 82% FRL vs 48% district-wide (34 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 27% at this address vs 52% district-wide (-24 pts) — the specific schools serving this property underperform the Alachua average; the district grade overstates school quality for this exact location.
• Market conditions: 36 active listings in the ZIP; 1,774 units permitted in Alachua County in 2024 (984 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($519 loan paydown + $6k appreciation (8.0% local appreciation)).
• Alachua County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (8.0% appreciation + 3.0% rent growth), your $21k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($74k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 16y 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.
• Current owner paid $25k; list at $75k implies a 200% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; severe wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $73,875 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 1.95% ✓
• Cap rate: 16.57%
• Cash-on-cash: 36.69%
• DSCR: 2.63
• GRM: 4.3

CMA / ARV

No comps found within radius.

Projected returns pro-forma

8.01% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 49.7%
• Equity multiple: 4.42×
• Total profit: $71,866
• Equity at exit: $57,042

10-year hold

• IRR: 44.9%
• Equity multiple: 9.48×
• Total profit: $178,168
• Equity at exit: $113,288

Cash invested: $21,000 (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 32694

• Home prices YoY: 3.7%
• Active inventory: 36
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $1,461 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$87 /mo · $1,047/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $642

Break-even live

Break-even rent $648

Max offer price $75,000

Occupancy floor 51%

Sensitivity live

Price	-10% $685	-5% $663	+0% $642	+5% $621	+10% $600
Rent	-10% $527	-5% $584	+0% $642	+5% $700	+10% $757
Rate	-1.0pp $680	-0.5pp $661	base $642	+0.5pp $623	+1.0pp $603

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-21
   days on market $75,000 Active 26 DOM
2. 2026-06-18
   days on market $75,000 Active 23 DOM
3. 2026-06-17
   days on market $75,000 Active 22 DOM
4. 2026-06-16
   days on market $75,000 Active 21 DOM
5. 2026-06-15
   days on market $75,000 Active 20 DOM
6. 2026-06-14
   days on market $75,000 Active 18 DOM
7. 2026-06-13
   days on market $75,000 Active 17 DOM
8. 2026-06-10
   days on market $75,000 Active 15 DOM
9. 2026-06-09
   days on market $75,000 Active 14 DOM
10. 2026-06-08
    days on market $75,000 Active 13 DOM
11. 2026-06-07
    days on market $75,000 Active 12 DOM
12. 2026-06-05
    days on market $75,000 Active 9 DOM
13. 2026-06-03
    days on market $75,000 Active 8 DOM
14. 2026-06-02
    days on market $75,000 Active 7 DOM
15. 2026-06-01
    days on market $75,000 Active 6 DOM
16. 2026-05-31
    days on market $75,000 Active 5 DOM
17. 2026-05-30
    days on market $75,000 Active 4 DOM
18. 2026-05-26
    listed $75,000 Active
19. 2020-04-30
    soldstatus $25,000 483-char remark

    Show marketing remark (483 chars)

    This is a handyman''s dream investment property! This home is just waiting for the right investor and a few weeks of elbow grease. The painting is almost done, and the flooring has been started and the remaining flooring is already in the house. The home needs a new roof immediately and there is no central AC or heat, you will need to install a mini split or window units. This is the perfect low income rental property- it can easily pay itself off in 5-6 years! CASH OFFERS ONLY.

20. 2020-03-02
    listed $27,500 483-char remark

    Show marketing remark (483 chars)

    This is a handyman''s dream investment property! This home is just waiting for the right investor and a few weeks of elbow grease. The painting is almost done, and the flooring has been started and the remaining flooring is already in the house. The home needs a new roof immediately and there is no central AC or heat, you will need to install a mini split or window units. This is the perfect low income rental property- it can easily pay itself off in 5-6 years! CASH OFFERS ONLY.

21. 2011-03-07
    historical
22. 2010-10-04
    listed $35,000

ⓘ 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: $1,047 · $87/mo
• Projected year-2 tax: $1,047 · $87/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 8/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,527
• − Mortgage interest: −$4,201
• − Property taxes: −$1,047
• − Insurance: −$375
• − Repairs & maintenance: −$1,402
• − Management: −$1,402
• − Depreciation: −$2,182
• Taxable income: $6,918
• Est. tax owed @ 24.0%: −$1,660
• After-tax cash flow: $6,045/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: Alachua
• NCES district ID: 1200030
• Math proficiency: 49% ▼ -9.00%
• Reading proficiency: 54% ▼ -3.00%
• Median HH income: $42,683
• Composite: 43.31/100
• National rank: #3038
• State rank: #30 of 73 in FL

Livability — Waldo

• Score: 63/100
• State rank: #705
• US rank: #14963

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 1,870

Population outlook (Alachua County) Hauer SSP2

• Today (2025): 289,834 people
• By 2030: 305,873 · +5.5%
• By 2040: 335,246 · +15.7%
• By 2050: 364,719 · +25.8%
• By 2075: 436,665 · +50.7%
• By 2100: 482,920 · +66.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Black 11% Hispanic / Latino 8% Two or more races 5% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3% Cuban 3%
• Common ancestry: Slovak 4% Italian 3% Iranian 2%
• Foreign-born: 4% · Canada, South Korea
• Languages at home: 92% English-only · Spanish 5% Russian/Polish/Slavic 2% Korean 1%

Political lean MEDSL · Alachua

• 2024 margin: Strong D (+21.0) · D 59.7% · R 38.8% · Other 1.5%
• 2008→2024 swing: -0.6pp no change · 2008: 21.6pp · 2024: 21.0pp
• All cycles: 2024: D+21.0 2020: D+27.2 2016: D+22.5 2012: D+17.3 2008: D+21.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.01%
• Current HPI: 224.7473
• Rent YoY: —
• Metro: —
• 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

+114.3% since first listed

5 events — show timeline

• 2026-05-26 Listed $75,000 FSBO.com
• 2020-04-30 Sold (MLS) $25,000 Stellar MLS as Distributed by MLS Grid
• 2020-03-02 Listed $27,500 Stellar MLS as Distributed by MLS Grid
• 2011-03-07 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-10-04 Listed $35,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+13.3%/yr

Latest (2025): $1,047 · +7.1% YoY. Source: county tax records.