202 Terrace Ct · Sanford, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 9/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 21 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
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).
- ARV discount +15.0/15.0
- Cash flow +12.6/30.0
- Schools +5.1/10.0
- 1% rule +4.2/10.0
- DSCR +3.7/10.0
- Livability +3.7/5.0
- Rent growth +2.9/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$209,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
One or more photo(s) has been virtually staged. Welcome home to this townhome that boasts a very comfortably sized 2 bedroom, 2.5 bathroom with 1580 sq ft of living area! Upon entering the wooden gate, you will find yourself in a private fenced courtyard. Downstairs is open w/ Kitchen, Dining room, Living room with Corner Fireplace and sliding doors from Lvg Rm and Dng Rm to your private patio. Laundry room w/ Washer & half bath finish the downstairs. Upstairs you'll find The Master Suite w/ Ensuite Bath, plus another large bedroom and full sized hall bath. Both Bedrooms with Private Balconies. Don't Miss This one!
Key facts
- Private balconies
- Laundry room
- Corner fireplace
Tags
Property features AI
Finance
- Other: No home warranty indicated; No lease restrictions reported
- Financial info: Total annual fees $1,074
- HOA & community: Monthly HOA $89.50 (includes maintenance of grounds, trash, water); The Terrace Association; Sidewalks and street lights in the community; Pets allowed (cats and dogs)
Exterior
- Parking: Assigned parking at ground level
- Utilities: Public water; Public sewer; Cable available; Electricity connected; Water connected; Sewer connected
- Home design: Attached townhouse; Two levels; Faces north
- Construction: Brick and frame construction; Shingle roof; Slab foundation; Built as residential townhouse
- Exterior features: Patio; Sidewalk; Sliding doors; Storage; Wood fencing; Paved lot
Interior
- Kitchen: Dishwasher; Range hood; Refrigerator
- Bedrooms: 2 bedrooms
- Flooring: Ceramic tile; Laminate; Tile
- Bathrooms: 2 full baths; 1 half bath
- Heating & cooling: Central heating (electric); Central air conditioning; Fireplace in family room
- Interior features: Ceiling fans; Eat-in kitchen; Open floorplan; Window treatments; Blinds; Inside utility
- Laundry & utility: Inside laundry room
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.5-bath townhouse listed at $209k.
Deal economics
- At list price, monthly cash flow is $-28 ($-341/yr) — negative.
- To cash-flow at today's rent, offer at most $204k (2.4% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $191k (8.5% below list).
- Recommended offer: $184k (12.0% below list) — sets the bar for market timing.
- Cap rate 6.1% vs local median 3.6% in Sanford — 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 73/100 on livability (#316 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment C-, crime F, amenities F.
- Seminole (suburban): math 57% / reading 61% proficiency, ranked #13 of 73 in FL (top 18%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
- Zoned schools: Crystal Lake Elementary School (math 59% / reading 69%, grade B, #552 of 2,144 statewide, top 26%, 700 students, 48% FRL); Millennium Middle School (math 46% / reading 48%, grade D+, #291 of 571 statewide, top 52%, 1,347 students, 70% FRL); Seminole High School (math 35% / reading 51%, grade F, #255 of 667 statewide, top 39%, 4,036 students, 53% FRL) — zoned schools average 57% FRL vs 38% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
- Market conditions: Rents rising (+1.4%/yr); 287 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); 1,979 units permitted in Seminole County in 2024 (1,191 in 5+ unit buildings).
- This rent runs 33% of the median local income ($70k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
- Seminole County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- It's been on market 328 days — a 12% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 5y 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 $170k; 23% above their basis — modest negotiation headroom, anchor on the comps not their cost.
Risks & watch-outs
- Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- 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?
- It's been on market 328 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- Crime grade is F 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?
- 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?
- 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.
- 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.
- 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
- 0.92% ✗
- Cap rate
- 6.13%
- Cash-on-cash
- -0.58%
- DSCR
- 0.97
- GRM
- 9.1
CMA / ARV
- ARV (on-the-fly)
- $287,560
- Comps found
- 3
Show comp detail 3 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 401 Terrace Ct | 0.02mi | 2/2.5 (-1) | 1,580 (0%) | 4mo | $227,000 | $144 | 91 |
| 2417 Cedar Ave | 0.64mi | 3/2.0 | 1,680 (+6%) | 11mo | $305,000 | $182 | 48 |
| 448 Wilton Cir | 0.69mi | 3/2.5 | 1,420 (-10%) | 19mo | $285,000 | $201 | 35 |
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 · 1.45% rent growth · sell at horizon
- IRR
- -19.1%
- Equity multiple
- 0.34×
- Total profit
- $-38,529
- Equity at exit
- $31,163
- IRR
- -15.4%
- Equity multiple
- 0.19×
- Total profit
- $-47,214
- Equity at exit
- $18,071
Cash invested: $58,520 (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
ZIP-level market 32773
- Home prices YoY
- -27.8%
- Rents YoY
- 1.4%
- Active inventory
- 287
- Price-to-rent
- 9.1×
Monthly cashflow live
- Estimated rent
- $1,913 high interval (Pro) →
- Mortgage (P&I)
- −$1,096
- Tax from tax record
- −$267 /mo · $3,210/yr
- Insurance
- −$87
- HOA
- −$89
- Vacancy / Maint / Mgmt
- −$402
- Net cashflow
- $-28
Break-even live
Sensitivity live
| Price | -10% $90 | -5% $31 | +0% $-28 | +5% $-88 | +10% $-147 |
|---|---|---|---|---|---|
| Rent | -10% $-180 | -5% $-104 | +0% $-28 | +5% $47 | +10% $123 |
| Rate | -1.0pp $77 | -0.5pp $25 | base $-28 | +0.5pp $-83 | +1.0pp $-138 |
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
- $52,250
- Closing costs
- $6,270
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1505 W 25th St Sanford, FL | 3.0 | 2.0 | 1150 | $1,753 | $1.52 | 14d | 1 | 0.19mi |
| 2530 Georgia Ave Unit B Sanford, FL | 2.0 | 2.0 | 1400 | $1,650 | $1.18 | 25d | 1 | 0.19mi |
| 2714 Ridgewood Ave Sanford, FL | 1.0–2.0 | 1.0–2.0 | 987 | $1,650 | $1.67 | 0d | 6 | 0.36mi |
| 2441 Marshall Ave Sanford, FL | 3.0 | 2.0 | 1462 | $2,235 | $1.53 | 6d | 1 | 0.38mi |
| 365 Placid Lake Dr Unit Lo Sanford, FL | 3.0 | 2.0 | 1158 | $1,900 | $1.64 | 19d | 1 | 0.39mi |
| 331 Placid Lake Dr Sanford, FL | 3.0 | 2.0 | 1292 | $1,960 | $1.52 | 22d | 1 | 0.47mi |
| 2420 S Lake Ave Sanford, FL | 3.0 | 1.0 | 1100 | $1,545 | $1.40 | 16d | 1 | 0.49mi |
| 2420 S Lake Ave Unit B Sanford, FL | 3.0 | 1.0 | 1100 | $1,545 | $1.40 | 19d | 1 | 0.49mi |
| 832 W 25th St Sanford, FL | 2.0 | 2.0 | 1134 | $1,475 | $1.30 | 4d | 1 | 0.53mi |
| 832 W 25th St Sanford, FL | 2.0 | 2.0 | 1134 | $1,500 | $1.32 | 22d | 1 | 0.53mi |
| 828 W 25th St Sanford, FL | 2.0 | 1.5 | 1134 | $1,350 | $1.19 | 25d | 1 | 0.53mi |
| 828 W 25th St Sanford, FL | 2.0 | 1.5 | 1134 | $1,350 | $1.19 | 18d | 1 | 0.53mi |
| 2405 Chase Ave Sanford, FL | 3.0 | 2.0 | 1200 | $2,095 | $1.75 | 16d | 1 | 0.54mi |
| 107 Garrison Dr Sanford, FL | 3.0 | 2.0 | 1439 | $1,800 | $1.25 | 19d | 1 | 0.55mi |
| 816 W 25th St Sanford, FL | 2.0 | 1.5 | 1134 | $1,299 | $1.15 | 4d | 1 | 0.55mi |
| 106 Garrison Dr Sanford, FL | 3.0 | 2.0 | 1080 | $1,895 | $1.75 | 6d | 1 | 0.55mi |
| 2406 S Lake Ave Sanford, FL | 3.0 | 2.0 | 1111 | $2,000 | $1.80 | 16d | 1 | 0.56mi |
| 100 Windchase Blvd Sanford, FL | 1.0–3.0 | 1.0–2.0 | 957 | $1,695 | $1.77 | 4d | 1 | 0.70mi |
| 506 Wilton Cir Sanford, FL | 2.0 | 2.5 | 1144 | $1,675 | $1.46 | 19d | 1 | 0.71mi |
| 102 Wilton Cir Unit 102 Sanford, FL | 3.0 | 2.5 | 1420 | $1,800 | $1.27 | 12d | 1 | 0.74mi |
| 102 Wilton Cir Unit 102 Sanford, FL | 3.0 | 2.5 | 1420 | $1,800 | $1.27 | 14d | 1 | 0.74mi |
| 2008 William Clark Ave Sanford, FL | 3.0 | 2.0 | 1328 | $2,199 | $1.66 | 4d | 1 | 0.75mi |
| 1000 Stonebrook Dr Sanford, FL | 1.0–3.0 | 1.0–2.0 | 1000 | $2,266 | $2.27 | 0d | 19 | 0.75mi |
| 429 Wilton Cir Sanford, FL | 3.0 | 2.5 | 1420 | $1,950 | $1.37 | 25d | 1 | 0.76mi |
| 423 Wilton Cir Sanford, FL | 2.0 | 2.5 | 1144 | $1,700 | $1.49 | 18d | 1 | 0.77mi |
| 2816 S French Ave Sanford, FL | 3.0 | 2.0 | 1693 | $2,450 | $1.45 | 14d | 1 | 0.90mi |
| 124 Clear Lake Cir Sanford, FL | 2.0 | 2.0 | 1116 | $1,650 | $1.48 | 23d | 1 | 0.93mi |
| 124 Clear Lake Cir Sanford, FL | 2.0 | 2.0 | 1116 | $1,650 | $1.48 | 22d | 1 | 0.93mi |
| 1515 S Oleander Ave Sanford, FL | 2.0 | 2.0 | 1100 | $1,500 | $1.36 | 25d | 1 | 0.95mi |
| 1908 W 16th St Sanford, FL | 3.0 | 2.0 | 1100 | $1,500 | $1.36 | 22d | 1 | 0.98mi |
| 1935 W 14th St Sanford, FL | 3.0 | 1.5 | 1112 | $1,900 | $1.71 | 4d | 1 | 1.07mi |
| 1320 S Oleander Ave Sanford, FL | 3.0 | 2.0 | 1200 | $1,850 | $1.54 | 25d | 1 | 1.08mi |
| 135 Pinecrest Dr Sanford, FL | 3.0 | 1.0 | 1132 | $1,750 | $1.55 | 25d | 1 | 1.08mi |
| 497 Brightview Dr Lake Mary, FL | 3.0 | 2.0 | 1535 | $2,300 | $1.50 | 12d | 1 | 1.09mi |
| 2006 Williams Ave Sanford, FL | 3.0 | 2.0 | 1546 | $2,995 | $1.94 | 0d | 1 | 1.12mi |
| 2015 Jones Ave Sanford, FL | 3.0 | 1.5 | 1291 | $1,895 | $1.47 | 14d | 1 | 1.12mi |
| 3036 Dellcrest Pl Lake Mary, FL | 3.0 | 2.0 | 1369 | $2,200 | $1.61 | 18d | 1 | 1.15mi |
| 2630 Cahill Way Lake Mary, FL | 3.0 | 2.0 | 1496 | $2,330 | $1.56 | 19d | 1 | 1.18mi |
| 3141 Windleshore Way Sanford, FL | 2.0 | 2.5 | 1144 | $1,800 | $1.57 | 19d | 1 | 1.26mi |
| 792 Alto Pl Lake Mary, FL | 3.0 | 2.0 | 1821 | $2,475 | $1.36 | 23d | 1 | 1.27mi |
HOA detail
- Monthly dues
- $89 · $1,068/yr
Listing history 30 events
-
2026-06-21days on market $209,000 Active 328 DOM
-
2026-06-18days on market $209,000 Active 325 DOM
-
2026-06-17price $209,000 Active 324 DOM
-
2026-06-17days on market $212,000 Active 324 DOM
-
2026-06-16days on market $212,000 Active 323 DOM
-
2026-06-15days on market $212,000 Active 322 DOM
-
2026-06-13days on market $212,000 Active 320 DOM
-
2026-06-09days on market $212,000 Active 316 DOM
-
2026-06-08days on market $212,000 Active 315 DOM
-
2026-06-07days on market $212,000 Active 314 DOM
-
2026-06-04days on market $212,000 Active 311 DOM
-
2026-06-03days on market $212,000 Active 310 DOM
-
2026-06-02days on market $212,000 Active 309 DOM
-
2026-06-02days on market $212,000 Active 308 DOM
-
2026-05-31days on market $212,000 Active 307 DOM
-
2026-02-19price $205,000
-
2025-07-28$210,000 Active
-
2022-02-03price $1,780
-
2022-01-30price $1,400
-
2022-01-13soldstatus $170,000
-
2021-12-30soldstatus $170,000 Closed 631-char remark
Show marketing remark (631 chars)
One or more photo(s) has been virtually staged. Welcome home to this townhome that boasts a very comfortably sized 2 bedroom, 2.5 bathroom with 1580 sq ft of living area! Upon entering the wooden gate, you will find yourself in a private fenced courtyard. Downstairs is open w/ Kitchen, Dining room, Living room with Corner Fireplace and sliding doors from Lvg Rm and Dng Rm to your private patio. Laundry room w/ Washer & half bath finish the downstairs. Upstairs you'll find The Master Suite w/ Ensuite Bath, plus another large bedroom and full sized hall bath. Both Bedrooms with Private Balconies. Don't Miss This one!
-
2021-12-14status Pending 631-char remark
Show marketing remark (631 chars)
One or more photo(s) has been virtually staged. Welcome home to this townhome that boasts a very comfortably sized 2 bedroom, 2.5 bathroom with 1580 sq ft of living area! Upon entering the wooden gate, you will find yourself in a private fenced courtyard. Downstairs is open w/ Kitchen, Dining room, Living room with Corner Fireplace and sliding doors from Lvg Rm and Dng Rm to your private patio. Laundry room w/ Washer & half bath finish the downstairs. Upstairs you'll find The Master Suite w/ Ensuite Bath, plus another large bedroom and full sized hall bath. Both Bedrooms with Private Balconies. Don't Miss This one!
-
2021-11-12status Active 631-char remark
Show marketing remark (631 chars)
One or more photo(s) has been virtually staged. Welcome home to this townhome that boasts a very comfortably sized 2 bedroom, 2.5 bathroom with 1580 sq ft of living area! Upon entering the wooden gate, you will find yourself in a private fenced courtyard. Downstairs is open w/ Kitchen, Dining room, Living room with Corner Fireplace and sliding doors from Lvg Rm and Dng Rm to your private patio. Laundry room w/ Washer & half bath finish the downstairs. Upstairs you'll find The Master Suite w/ Ensuite Bath, plus another large bedroom and full sized hall bath. Both Bedrooms with Private Balconies. Don't Miss This one!
-
2021-11-08status Pending 631-char remark
Show marketing remark (631 chars)
One or more photo(s) has been virtually staged. Welcome home to this townhome that boasts a very comfortably sized 2 bedroom, 2.5 bathroom with 1580 sq ft of living area! Upon entering the wooden gate, you will find yourself in a private fenced courtyard. Downstairs is open w/ Kitchen, Dining room, Living room with Corner Fireplace and sliding doors from Lvg Rm and Dng Rm to your private patio. Laundry room w/ Washer & half bath finish the downstairs. Upstairs you'll find The Master Suite w/ Ensuite Bath, plus another large bedroom and full sized hall bath. Both Bedrooms with Private Balconies. Don't Miss This one!
-
2021-11-02status Active 631-char remark
Show marketing remark (631 chars)
One or more photo(s) has been virtually staged. Welcome home to this townhome that boasts a very comfortably sized 2 bedroom, 2.5 bathroom with 1580 sq ft of living area! Upon entering the wooden gate, you will find yourself in a private fenced courtyard. Downstairs is open w/ Kitchen, Dining room, Living room with Corner Fireplace and sliding doors from Lvg Rm and Dng Rm to your private patio. Laundry room w/ Washer & half bath finish the downstairs. Upstairs you'll find The Master Suite w/ Ensuite Bath, plus another large bedroom and full sized hall bath. Both Bedrooms with Private Balconies. Don't Miss This one!
-
2021-11-01status Pending 631-char remark
Show marketing remark (631 chars)
One or more photo(s) has been virtually staged. Welcome home to this townhome that boasts a very comfortably sized 2 bedroom, 2.5 bathroom with 1580 sq ft of living area! Upon entering the wooden gate, you will find yourself in a private fenced courtyard. Downstairs is open w/ Kitchen, Dining room, Living room with Corner Fireplace and sliding doors from Lvg Rm and Dng Rm to your private patio. Laundry room w/ Washer & half bath finish the downstairs. Upstairs you'll find The Master Suite w/ Ensuite Bath, plus another large bedroom and full sized hall bath. Both Bedrooms with Private Balconies. Don't Miss This one!
-
2021-10-29$200,000 Active 631-char remark
Show marketing remark (631 chars)
One or more photo(s) has been virtually staged. Welcome home to this townhome that boasts a very comfortably sized 2 bedroom, 2.5 bathroom with 1580 sq ft of living area! Upon entering the wooden gate, you will find yourself in a private fenced courtyard. Downstairs is open w/ Kitchen, Dining room, Living room with Corner Fireplace and sliding doors from Lvg Rm and Dng Rm to your private patio. Laundry room w/ Washer & half bath finish the downstairs. Upstairs you'll find The Master Suite w/ Ensuite Bath, plus another large bedroom and full sized hall bath. Both Bedrooms with Private Balconies. Don't Miss This one!
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2021-10-12soldstatus $150,300
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1997-12-24soldstatus $46,500
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1981-05-01soldstatus $45,000
ⓘ 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
- $3,210 · $267/mo
- Projected year-2 tax
- $3,210 · $267/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 1/10 Low
- Heat 9/10 Extreme 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 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $22,954
- − Mortgage interest
- −$11,707
- − Property taxes
- −$3,210
- − Insurance
- −$1,045
- − Repairs & maintenance
- −$1,836
- − Management
- −$1,836
- − HOA
- −$1,068
- − Depreciation
- −$6,080
- Taxable loss
- −$3,829
- Est. tax savings @ 24.0%
- +$919
- After-tax cash flow
- $578/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
- Seminole
- NCES district ID
- 1201710
- Math proficiency
- 57% ▼ -7.00%
- Reading proficiency
- 61% ▼ -1.00%
- Median HH income
- $58,478
- Composite
- 51.05/100
- National rank
- #1769
- State rank
- #13 of 73 in FL
Livability — Sanford
- Score
- 73/100
- State rank
- #316
- US rank
- #5359
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Sanford, FL
- County
- Seminole County · 436,154 people
- City population
- 96,638
- Metro
- Orlando-Kissimmee-Sanford, FL
- Population (ZIP)
- 34,032
- Household income
- $70,442
- Rent vs Own
- Severe rent burden
- 1516.0
Population outlook (Seminole County) Hauer SSP2
- Today (2025)
- 515,494 people
- By 2030
- 545,713 · +5.9%
- By 2040
- 598,068 · +16.0%
- By 2050
- 640,663 · +24.3%
- By 2075
- 724,461 · +40.5%
- By 2100
- 755,530 · +46.6%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Highly diverse neighborhood (Simpson 0.70)
- Race & ethnicity
- White 43% Hispanic / Latino 26% Black 20% Two or more races 16% Asian 7%
- Hispanic origin (detail)
- Mexican 3% Puerto Rican 12% Cuban 2% Dominican 2%
- Common ancestry
- Romanian 2% Slovak 1% Hispanic 1%
- Foreign-born
- 17% · Canada, Vietnam, Jamaica
- Languages at home
- 72% English-only · Spanish 21% Vietnamese 3% Other Indo-European 2%
Political lean MEDSL · Seminole
- 2024 margin
- Toss-up / Even · D 47.6% · R 51.1% · Other 1.3%
- 2008→2024 swing
- -0.8pp no change · 2008: -2.8pp · 2024: -3.5pp
- All cycles
- 2024: R+3.5 2020: D+2.8 2016: R+1.6 2012: R+6.5 2008: R+2.8
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -126.55%
- Current HPI
- 328.5485
- Rent YoY
- ▲ 1.45%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
+355.6% since first listed15 events — show timeline
- 2026-02-19 Price Changed $205,000 Stellar MLS as Distributed by MLS Grid
- 2025-07-28 Listed $210,000 Stellar MLS as Distributed by MLS Grid
- 2022-02-03 Price Changed $1,780 RENT.
- 2022-01-30 Price Changed $1,400 RENT.
- 2022-01-13 Sold (Public Records) $170,000 Public Records
- 2021-12-30 Sold (MLS) $170,000 Stellar MLS as Distributed by MLS Grid
- 2021-12-14 Pending — Stellar MLS as Distributed by MLS Grid
- 2021-11-12 Relisted — Stellar MLS as Distributed by MLS Grid
- 2021-11-08 Pending — Stellar MLS as Distributed by MLS Grid
- 2021-11-02 Relisted — Stellar MLS as Distributed by MLS Grid
- 2021-11-01 Pending — Stellar MLS as Distributed by MLS Grid
- 2021-10-29 Listed $200,000 Stellar MLS as Distributed by MLS Grid
- 2021-10-12 Sold (Public Records) $150,300 Public Records
- 1997-12-24 Sold (Public Records) $46,500 Public Records
- 1981-05-01 Sold (Public Records) $45,000 Public Records
Property tax history
+15.2%/yrLatest (2025): $3,210 · +7.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…