102 NE 138th St · Cross City, FL 32628

$139,966

2 bd · 1.0 ba · 1,000 sqft · SingleFamily public records · 82 Days on market

Built 1940 9,966 sqft lot Est $140k · at est. ↓ 6% since listing

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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 +10.1/30.0
• ARV discount +7.5/15.0
• Appreciation +7.1/10.0
• Schools +4.2/10.0
• Livability +3.5/5.0
• DSCR +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0

Listing remarks MLS

Full of character, warmth, and everyday livability, this charming bungalow delivers the kind of opportunity that feels instantly inviting the moment you arrive. Set on a generously sized lot with mature landscaping, this single-family home blends timeless appeal with practical features that make it easy to envision as a full-time residence, weekend retreat, or smart addition to an investment portfolio. Built with classic wood-frame construction and topped with a metal roof, the home offers a welcoming presence and a layout designed for comfortable living. Inside, you'll find approximately 1,000 square feet of heated space with a bright, functional flow that makes the home feel connected and easy to enjoy. Tile and wood flooring bring a clean, durable finish throughout, while central air and a heat pump provide year-round comfort. The living and dining room combination creates an open, flexible gathering space that feels casual, relaxed, and ready for real life. Whether you're hosting friends, enjoying a quiet night in, or simply looking for a home that lives bigger than its footprint, the layout works. The kitchen comes equipped with a range and refrigerator, giving you a solid foundation to move right in or personalize over time. An inside laundry area adds another layer of everyday convenience that buyers always appreciate. With two bedrooms and two baths, this home offers a surprisingly versatile setup for its size. The configuration creates flexibility for guests, shared living, or anyone who values having a little extra breathing room. The unfurnished interior is a blank canvas, ready for your design vision, your updates, and your style. Step outside and the lifestyle continues. A screened front porch sets the stage for slow mornings and relaxed evenings, while the rear porch gives you a comfortable space to unwind, entertain, or enjoy the outdoors with added privacy and protection from the elements. The lot itself offers room to breathe, with approximately 0.23 acres to enjoy, expand your outdoor living ideas, or simply appreciate the open feel that's getting harder and harder to find. Practical infrastructure adds even more value here, with public water, public sewer, electricity connected, cable available, phone available, and sewer and water connections already in place. The home sits on a paved street and features a clear, accessible setting that supports easy day-to-day living. This is the kind of property that stands out because it feels honest, usable, and full of potential. It has the charm. It has the lot. It has the porches. And most importantly, it has that rare ability to make you immediately start imagining what comes next. Whether your vision is cozy and classic, fresh and updated, or somewhere in between, this bungalow is ready to become something special.

Key facts

• 9,966 sq ft lot
• Built 1940
• Listed 82 days

Property features AI

Finance

• Other: Unfurnished; No home warranty; No lease restrictions
• HOA & community: No association fees; No association approval required; Pets allowed

Exterior

• Parking: Paved access
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer available; Cable available; Phone available; Broadband/high-speed internet available
• Home design: Single-family residence; Residential property; One story; West-facing; Completed condition; Entry on one level
• Construction: Frame construction with wood siding; Metal roof; Pillar/post/pier foundation; Built using standard construction materials
• Exterior features: Front porch; Rear porch; Screened porch; Mature landscaping; Cleared lot; Located within city limits; Paved lot/drive

Interior

• Kitchen: Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Tile; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Electric heating; Heat pump; Central air conditioning
• Interior features: Living room/dining room combo; 6 total rooms
• Laundry & utility: Indoor laundry

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $140k.

Deal economics

• At list price, monthly cash flow is $-81 ($-976/yr) — negative.
• To cash-flow at today's rent, offer at most $126k (10.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $102k (27.2% below list).
• Recommended offer: $102k (27.2% below list) — sets the bar for 1% rule.
• Cap rate 5.6% vs local median 4.1% in Cross City — 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 70/100 on livability (#412 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F, employment F.
• Dixie (rural): math 52% / reading 50% proficiency, ranked #36 of 73 in FL (top 49%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; 85% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: James M. Anderson Elementary School (math 58% / reading 53%, grade C, #855 of 2,144 statewide, top 41%, 382 students, 78% FRL); Dixie County High School (math 31% / reading 42%, grade F, #351 of 667 statewide, top 54%, 714 students, 70% FRL).
• Market conditions: 47 active listings in the ZIP; 49 units permitted in Dixie County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($968 loan paydown + $6k appreciation (4.2% local appreciation)).
• Dixie County population projected at -16% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.2% appreciation + 3.0% rent growth), your $39k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 82 days — a 6% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $9k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: built in 1940 — expect roof / HVAC / electrical / plumbing capex.
• 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 $101,950 (27.2% 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 82 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
3. Built in 1940 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 0.73% ✗
• Cap rate: 5.60%
• Cash-on-cash: -2.49%
• DSCR: 0.89
• GRM: 11.4

CMA / ARV

• ARV (on-the-fly): $140,000
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
346 NE 210th Ave	0.17mi	2/1.0	992 (-1%)	9mo	$148,900	$150	83
308 NE 152nd St	0.27mi	3/1.0 (+1)	960 (-4%)	7mo	$140,000	$146	70
75 NE 222nd Ave	0.05mi	2/2.0	1,147 (+15%)	4mo	$110,000	$96	66
133 NE 147th St	0.39mi	3/2.0 (+1)	1,084 (+8%)	2mo	$79,900	$74	57
380 NE 134th St	0.04mi	3/1.5 (+1)	1,144 (+14%)	12mo	$160,000	$140	57
144 SW County Road 351	0.50mi	2/1.0	1,056 (+6%)	14mo	$50,000	$47	56
212 NE 203rd Ave	0.28mi	3/1.0 (+1)	856 (-14%)	13mo	$55,000	$64	47
398 SE 271st St	0.70mi	2/1.0	1,059 (+6%)	13mo	$136,403	$129	47
234 NE 162nd St	0.53mi	3/1.0 (+1)	924 (-8%)	15mo	$130,000	$141	45
136 SE 271st St	0.51mi	3/2.0 (+1)	1,104 (+10%)	18mo	$180,000	$163	35

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

Projected returns pro-forma

4.18% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 8.6%
• Equity multiple: 1.53×
• Total profit: $20,587
• Equity at exit: $72,447

10-year hold

• IRR: 10.6%
• Equity multiple: 2.79×
• Total profit: $70,032
• Equity at exit: $119,691

Cash invested: $39,190 (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 32628

• Home prices YoY: 1.1%
• Active inventory: 47
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $1,020 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$94 /mo · $1,133/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$214
• Net cashflow: $-81

Break-even live

Break-even rent $1,122

Max offer price $125,595

Occupancy floor —

Sensitivity live

Price	-10% $-2	-5% $-42	+0% $-81	+5% $-121	+10% $-161
Rent	-10% $-162	-5% $-122	+0% $-81	+5% $-41	+10% $-1
Rate	-1.0pp $-11	-0.5pp $-46	base $-81	+0.5pp $-118	+1.0pp $-155

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: $34,992
• Closing costs: $4,199
• Reserves months: —
• Total cash needed: —

Listing history 24 events

1. 2026-06-21
   days on market $139,966 Active 82 DOM
2. 2026-06-18
   days on market $139,966 Active 80 DOM
3. 2026-06-17
   days on market $139,966 Active 79 DOM
4. 2026-06-16
   days on market $139,966 Active 78 DOM
5. 2026-06-15
   days on market $139,966 Active 77 DOM
6. 2026-06-13
   days on market $139,966 Active 75 DOM
7. 2026-06-12
   days on market $139,966 Active 74 DOM
8. 2026-06-09
   days on market $139,966 Active 71 DOM
9. 2026-06-08
   days on market $139,966 Active 70 DOM
10. 2026-06-07
    days on market $139,966 Active 69 DOM
11. 2026-06-07
    days on market $139,966 Active 68 DOM
12. 2026-06-04
    days on market $139,966 Active 65 DOM
13. 2026-06-02
    days on market $139,966 Active 64 DOM
14. 2026-06-01
    days on market $139,966 Active 63 DOM
15. 2026-05-31
    days on market $139,966 Active 62 DOM
16. 2026-05-31
    days on market $139,966 Active 61 DOM
17. 2026-05-18
    status Active 2827-char remark

    Show marketing remark (2827 chars)

    Full of character, warmth, and everyday livability, this charming bungalow delivers the kind of opportunity that feels instantly inviting the moment you arrive. Set on a generously sized lot with mature landscaping, this single-family home blends timeless appeal with practical features that make it easy to envision as a full-time residence, weekend retreat, or smart addition to an investment portfolio. Built with classic wood-frame construction and topped with a metal roof, the home offers a welcoming presence and a layout designed for comfortable living. Inside, you'll find approximately 1,000 square feet of heated space with a bright, functional flow that makes the home feel connected and easy to enjoy. Tile and wood flooring bring a clean, durable finish throughout, while central air and a heat pump provide year-round comfort. The living and dining room combination creates an open, flexible gathering space that feels casual, relaxed, and ready for real life. Whether you're hosting friends, enjoying a quiet night in, or simply looking for a home that lives bigger than its footprint, the layout works. The kitchen comes equipped with a range and refrigerator, giving you a solid foundation to move right in or personalize over time. An inside laundry area adds another layer of everyday convenience that buyers always appreciate. With two bedrooms and two baths, this home offers a surprisingly versatile setup for its size. The configuration creates flexibility for guests, shared living, or anyone who values having a little extra breathing room. The unfurnished interior is a blank canvas, ready for your design vision, your updates, and your style. Step outside and the lifestyle continues. A screened front porch sets the stage for slow mornings and relaxed evenings, while the rear porch gives you a comfortable space to unwind, entertain, or enjoy the outdoors with added privacy and protection from the elements. The lot itself offers room to breathe, with approximately 0.23 acres to enjoy, expand your outdoor living ideas, or simply appreciate the open feel that's getting harder and harder to find. Practical infrastructure adds even more value here, with public water, public sewer, electricity connected, cable available, phone available, and sewer and water connections already in place. The home sits on a paved street and features a clear, accessible setting that supports easy day-to-day living. This is the kind of property that stands out because it feels honest, usable, and full of potential. It has the charm. It has the lot. It has the porches. And most importantly, it has that rare ability to make you immediately start imagining what comes next. Whether your vision is cozy and classic, fresh and updated, or somewhere in between, this bungalow is ready to become something special.

18. 2026-05-18
    status Active

    Show marketing remark (2827 chars)

    Full of character, warmth, and everyday livability, this charming bungalow delivers the kind of opportunity that feels instantly inviting the moment you arrive. Set on a generously sized lot with mature landscaping, this single-family home blends timeless appeal with practical features that make it easy to envision as a full-time residence, weekend retreat, or smart addition to an investment portfolio. Built with classic wood-frame construction and topped with a metal roof, the home offers a welcoming presence and a layout designed for comfortable living. Inside, you'll find approximately 1,000 square feet of heated space with a bright, functional flow that makes the home feel connected and easy to enjoy. Tile and wood flooring bring a clean, durable finish throughout, while central air and a heat pump provide year-round comfort. The living and dining room combination creates an open, flexible gathering space that feels casual, relaxed, and ready for real life. Whether you're hosting friends, enjoying a quiet night in, or simply looking for a home that lives bigger than its footprint, the layout works. The kitchen comes equipped with a range and refrigerator, giving you a solid foundation to move right in or personalize over time. An inside laundry area adds another layer of everyday convenience that buyers always appreciate. With two bedrooms and two baths, this home offers a surprisingly versatile setup for its size. The configuration creates flexibility for guests, shared living, or anyone who values having a little extra breathing room. The unfurnished interior is a blank canvas, ready for your design vision, your updates, and your style. Step outside and the lifestyle continues. A screened front porch sets the stage for slow mornings and relaxed evenings, while the rear porch gives you a comfortable space to unwind, entertain, or enjoy the outdoors with added privacy and protection from the elements. The lot itself offers room to breathe, with approximately 0.23 acres to enjoy, expand your outdoor living ideas, or simply appreciate the open feel that's getting harder and harder to find. Practical infrastructure adds even more value here, with public water, public sewer, electricity connected, cable available, phone available, and sewer and water connections already in place. The home sits on a paved street and features a clear, accessible setting that supports easy day-to-day living. This is the kind of property that stands out because it feels honest, usable, and full of potential. It has the charm. It has the lot. It has the porches. And most importantly, it has that rare ability to make you immediately start imagining what comes next. Whether your vision is cozy and classic, fresh and updated, or somewhere in between, this bungalow is ready to become something special.

19. 2026-05-14
    status Pending 2827-char remark

    Show marketing remark (2827 chars)

    Full of character, warmth, and everyday livability, this charming bungalow delivers the kind of opportunity that feels instantly inviting the moment you arrive. Set on a generously sized lot with mature landscaping, this single-family home blends timeless appeal with practical features that make it easy to envision as a full-time residence, weekend retreat, or smart addition to an investment portfolio. Built with classic wood-frame construction and topped with a metal roof, the home offers a welcoming presence and a layout designed for comfortable living. Inside, you'll find approximately 1,000 square feet of heated space with a bright, functional flow that makes the home feel connected and easy to enjoy. Tile and wood flooring bring a clean, durable finish throughout, while central air and a heat pump provide year-round comfort. The living and dining room combination creates an open, flexible gathering space that feels casual, relaxed, and ready for real life. Whether you're hosting friends, enjoying a quiet night in, or simply looking for a home that lives bigger than its footprint, the layout works. The kitchen comes equipped with a range and refrigerator, giving you a solid foundation to move right in or personalize over time. An inside laundry area adds another layer of everyday convenience that buyers always appreciate. With two bedrooms and two baths, this home offers a surprisingly versatile setup for its size. The configuration creates flexibility for guests, shared living, or anyone who values having a little extra breathing room. The unfurnished interior is a blank canvas, ready for your design vision, your updates, and your style. Step outside and the lifestyle continues. A screened front porch sets the stage for slow mornings and relaxed evenings, while the rear porch gives you a comfortable space to unwind, entertain, or enjoy the outdoors with added privacy and protection from the elements. The lot itself offers room to breathe, with approximately 0.23 acres to enjoy, expand your outdoor living ideas, or simply appreciate the open feel that's getting harder and harder to find. Practical infrastructure adds even more value here, with public water, public sewer, electricity connected, cable available, phone available, and sewer and water connections already in place. The home sits on a paved street and features a clear, accessible setting that supports easy day-to-day living. This is the kind of property that stands out because it feels honest, usable, and full of potential. It has the charm. It has the lot. It has the porches. And most importantly, it has that rare ability to make you immediately start imagining what comes next. Whether your vision is cozy and classic, fresh and updated, or somewhere in between, this bungalow is ready to become something special.

20. 2026-05-14
    status Pending

    Show marketing remark (2827 chars)

    Full of character, warmth, and everyday livability, this charming bungalow delivers the kind of opportunity that feels instantly inviting the moment you arrive. Set on a generously sized lot with mature landscaping, this single-family home blends timeless appeal with practical features that make it easy to envision as a full-time residence, weekend retreat, or smart addition to an investment portfolio. Built with classic wood-frame construction and topped with a metal roof, the home offers a welcoming presence and a layout designed for comfortable living. Inside, you'll find approximately 1,000 square feet of heated space with a bright, functional flow that makes the home feel connected and easy to enjoy. Tile and wood flooring bring a clean, durable finish throughout, while central air and a heat pump provide year-round comfort. The living and dining room combination creates an open, flexible gathering space that feels casual, relaxed, and ready for real life. Whether you're hosting friends, enjoying a quiet night in, or simply looking for a home that lives bigger than its footprint, the layout works. The kitchen comes equipped with a range and refrigerator, giving you a solid foundation to move right in or personalize over time. An inside laundry area adds another layer of everyday convenience that buyers always appreciate. With two bedrooms and two baths, this home offers a surprisingly versatile setup for its size. The configuration creates flexibility for guests, shared living, or anyone who values having a little extra breathing room. The unfurnished interior is a blank canvas, ready for your design vision, your updates, and your style. Step outside and the lifestyle continues. A screened front porch sets the stage for slow mornings and relaxed evenings, while the rear porch gives you a comfortable space to unwind, entertain, or enjoy the outdoors with added privacy and protection from the elements. The lot itself offers room to breathe, with approximately 0.23 acres to enjoy, expand your outdoor living ideas, or simply appreciate the open feel that's getting harder and harder to find. Practical infrastructure adds even more value here, with public water, public sewer, electricity connected, cable available, phone available, and sewer and water connections already in place. The home sits on a paved street and features a clear, accessible setting that supports easy day-to-day living. This is the kind of property that stands out because it feels honest, usable, and full of potential. It has the charm. It has the lot. It has the porches. And most importantly, it has that rare ability to make you immediately start imagining what comes next. Whether your vision is cozy and classic, fresh and updated, or somewhere in between, this bungalow is ready to become something special.

21. 2026-04-23
    price $139,966 2827-char remark

    Show marketing remark (2827 chars)

    Full of character, warmth, and everyday livability, this charming bungalow delivers the kind of opportunity that feels instantly inviting the moment you arrive. Set on a generously sized lot with mature landscaping, this single-family home blends timeless appeal with practical features that make it easy to envision as a full-time residence, weekend retreat, or smart addition to an investment portfolio. Built with classic wood-frame construction and topped with a metal roof, the home offers a welcoming presence and a layout designed for comfortable living. Inside, you'll find approximately 1,000 square feet of heated space with a bright, functional flow that makes the home feel connected and easy to enjoy. Tile and wood flooring bring a clean, durable finish throughout, while central air and a heat pump provide year-round comfort. The living and dining room combination creates an open, flexible gathering space that feels casual, relaxed, and ready for real life. Whether you're hosting friends, enjoying a quiet night in, or simply looking for a home that lives bigger than its footprint, the layout works. The kitchen comes equipped with a range and refrigerator, giving you a solid foundation to move right in or personalize over time. An inside laundry area adds another layer of everyday convenience that buyers always appreciate. With two bedrooms and two baths, this home offers a surprisingly versatile setup for its size. The configuration creates flexibility for guests, shared living, or anyone who values having a little extra breathing room. The unfurnished interior is a blank canvas, ready for your design vision, your updates, and your style. Step outside and the lifestyle continues. A screened front porch sets the stage for slow mornings and relaxed evenings, while the rear porch gives you a comfortable space to unwind, entertain, or enjoy the outdoors with added privacy and protection from the elements. The lot itself offers room to breathe, with approximately 0.23 acres to enjoy, expand your outdoor living ideas, or simply appreciate the open feel that's getting harder and harder to find. Practical infrastructure adds even more value here, with public water, public sewer, electricity connected, cable available, phone available, and sewer and water connections already in place. The home sits on a paved street and features a clear, accessible setting that supports easy day-to-day living. This is the kind of property that stands out because it feels honest, usable, and full of potential. It has the charm. It has the lot. It has the porches. And most importantly, it has that rare ability to make you immediately start imagining what comes next. Whether your vision is cozy and classic, fresh and updated, or somewhere in between, this bungalow is ready to become something special.

22. 2026-04-23
    price $139,966

    Show marketing remark (2827 chars)

    Full of character, warmth, and everyday livability, this charming bungalow delivers the kind of opportunity that feels instantly inviting the moment you arrive. Set on a generously sized lot with mature landscaping, this single-family home blends timeless appeal with practical features that make it easy to envision as a full-time residence, weekend retreat, or smart addition to an investment portfolio. Built with classic wood-frame construction and topped with a metal roof, the home offers a welcoming presence and a layout designed for comfortable living. Inside, you'll find approximately 1,000 square feet of heated space with a bright, functional flow that makes the home feel connected and easy to enjoy. Tile and wood flooring bring a clean, durable finish throughout, while central air and a heat pump provide year-round comfort. The living and dining room combination creates an open, flexible gathering space that feels casual, relaxed, and ready for real life. Whether you're hosting friends, enjoying a quiet night in, or simply looking for a home that lives bigger than its footprint, the layout works. The kitchen comes equipped with a range and refrigerator, giving you a solid foundation to move right in or personalize over time. An inside laundry area adds another layer of everyday convenience that buyers always appreciate. With two bedrooms and two baths, this home offers a surprisingly versatile setup for its size. The configuration creates flexibility for guests, shared living, or anyone who values having a little extra breathing room. The unfurnished interior is a blank canvas, ready for your design vision, your updates, and your style. Step outside and the lifestyle continues. A screened front porch sets the stage for slow mornings and relaxed evenings, while the rear porch gives you a comfortable space to unwind, entertain, or enjoy the outdoors with added privacy and protection from the elements. The lot itself offers room to breathe, with approximately 0.23 acres to enjoy, expand your outdoor living ideas, or simply appreciate the open feel that's getting harder and harder to find. Practical infrastructure adds even more value here, with public water, public sewer, electricity connected, cable available, phone available, and sewer and water connections already in place. The home sits on a paved street and features a clear, accessible setting that supports easy day-to-day living. This is the kind of property that stands out because it feels honest, usable, and full of potential. It has the charm. It has the lot. It has the porches. And most importantly, it has that rare ability to make you immediately start imagining what comes next. Whether your vision is cozy and classic, fresh and updated, or somewhere in between, this bungalow is ready to become something special.

23. 2026-03-27
    listed $148,900 Active 2827-char remark

    Show marketing remark (2827 chars)

    Full of character, warmth, and everyday livability, this charming bungalow delivers the kind of opportunity that feels instantly inviting the moment you arrive. Set on a generously sized lot with mature landscaping, this single-family home blends timeless appeal with practical features that make it easy to envision as a full-time residence, weekend retreat, or smart addition to an investment portfolio. Built with classic wood-frame construction and topped with a metal roof, the home offers a welcoming presence and a layout designed for comfortable living. Inside, you'll find approximately 1,000 square feet of heated space with a bright, functional flow that makes the home feel connected and easy to enjoy. Tile and wood flooring bring a clean, durable finish throughout, while central air and a heat pump provide year-round comfort. The living and dining room combination creates an open, flexible gathering space that feels casual, relaxed, and ready for real life. Whether you're hosting friends, enjoying a quiet night in, or simply looking for a home that lives bigger than its footprint, the layout works. The kitchen comes equipped with a range and refrigerator, giving you a solid foundation to move right in or personalize over time. An inside laundry area adds another layer of everyday convenience that buyers always appreciate. With two bedrooms and two baths, this home offers a surprisingly versatile setup for its size. The configuration creates flexibility for guests, shared living, or anyone who values having a little extra breathing room. The unfurnished interior is a blank canvas, ready for your design vision, your updates, and your style. Step outside and the lifestyle continues. A screened front porch sets the stage for slow mornings and relaxed evenings, while the rear porch gives you a comfortable space to unwind, entertain, or enjoy the outdoors with added privacy and protection from the elements. The lot itself offers room to breathe, with approximately 0.23 acres to enjoy, expand your outdoor living ideas, or simply appreciate the open feel that's getting harder and harder to find. Practical infrastructure adds even more value here, with public water, public sewer, electricity connected, cable available, phone available, and sewer and water connections already in place. The home sits on a paved street and features a clear, accessible setting that supports easy day-to-day living. This is the kind of property that stands out because it feels honest, usable, and full of potential. It has the charm. It has the lot. It has the porches. And most importantly, it has that rare ability to make you immediately start imagining what comes next. Whether your vision is cozy and classic, fresh and updated, or somewhere in between, this bungalow is ready to become something special.

24. 2026-03-26
    listed $148,900 Active

ⓘ 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: $1,133 · $94/mo
• Projected year-2 tax: $1,162 · $97/mo
• Expected delta: +$28/yr (+$2/mo · 2.5%)

ⓘ 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 9/10 Extreme 7 d/yr ≥105°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $12,234
• − Mortgage interest: −$7,840
• − Property taxes: −$1,133
• − Insurance: −$700
• − Repairs & maintenance: −$979
• − Management: −$979
• − Depreciation: −$4,072
• Taxable loss: −$3,469
• Est. tax savings @ 24.0%: +$832
• After-tax cash flow: $-144/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: Dixie
• NCES district ID: 1200450
• Math proficiency: 52% ▼ -3.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $34,799
• Composite: 42.18/100
• National rank: #3290
• State rank: #36 of 73 in FL

Livability — Cross City

• Score: 70/100
• State rank: #412
• US rank: #7340

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Cross City, FL
• Population (ZIP): 5,423

Population outlook (Dixie County) Hauer SSP2

• Today (2025): 15,122 people
• By 2030: 14,521 · -4.0%
• By 2040: 13,503 · -10.7%
• By 2050: 12,671 · -16.2%
• By 2075: 10,857 · -28.2%
• By 2100: 8,344 · -44.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 61% Black 18% Two or more races 15% Hispanic / Latino 7% Asian 1%
• Hispanic origin (detail): Cuban 2%
• Common ancestry: Italian 1% Hispanic 1% Romanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 93% English-only · Spanish 5% Arabic 1% Other Asian/Pacific 1%

Political lean MEDSL · Dixie

• 2024 margin: Solid R (+70.4) · D 14.5% · R 84.9%
• 2008→2024 swing: -25.4pp toward R · 2008: -45.0pp · 2024: -70.4pp
• All cycles: 2024: R+70.4 2020: R+66.0 2016: R+63.2 2012: R+46.9 2008: R+45.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.18%
• Current HPI: 398.3675
• 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

-6.0% since first listed

8 events — show timeline

• 2026-05-18 Relisted — DGLMLS
• 2026-05-18 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-14 Pending — DGLMLS
• 2026-05-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-23 Price Changed $139,966 DGLMLS
• 2026-04-23 Price Changed $139,966 Stellar MLS as Distributed by MLS Grid
• 2026-03-27 Listed $148,900 DGLMLS
• 2026-03-26 Listed $148,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+8.9%/yr

Latest (2025): $1,133 · +5.9% YoY. Source: county tax records.