1205 E Georgia St · Bartow, FL 33830

$220,000

3 bd · 1.0 ba · 1,100 sqft · SingleFamily public records · 8 Days on market

Built 1952 0.38 ac lot

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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 +13.7/30.0
• ARV discount +7.5/15.0
• DSCR +4.2/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +3.2/5.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. Charming and move-in ready in the heart of Bartow’s historic district is 1205 E. Georgia St on an oversized lot! This 2-bedroom, 1-bath block home offers timeless character with modern touches at a price point that stands out in today’s market. Inside, you’ll find a spacious living room perfect for relaxing or entertaining, a cozy breakfast nook, and a functional kitchen ready for everyday living. Enjoy peace of mind with a 2020 A/C system, stainless steel appliances, updated laminate flooring in the family room and bedrooms, both bedrooms are 12x12 with new fans, freshly blown in R38 insulation in the attic and durable metal roof. O

Key facts

• Cozy breakfast nook
• Functional kitchen
• 2020 a/c system

Tags

• OVERSIZED LOT
• SPACIOUS LIVING ROOM
• COZY BREAKFAST NOOK
• FUNCTIONAL KITCHEN
• 2020 A/C SYSTEM
• STAINLESS STEEL APPLIANCES

Property features AI

Finance

• Other: Unfurnished
• HOA & community: No association

Exterior

• Parking: Attached garage (1 car) with 14x28 dimensions; Driveway; Garage faces side
• Utilities: Public water; Public sewer; Cable available; Electricity connected; Sewer connected; Water connected
• Home design: Single family residence; Residential property; One story; North-facing
• Construction: Block and stucco construction; Metal roof; Slab foundation; Built on one level
• Exterior features: Covered patio/porch; Deck; Additional covered/other porch area; French doors; Chain link fencing; Trees and landscaping; Corner lot; City limits; Level lot; Paved lot and driveway; Public maintained road

Interior

• Kitchen: Disposal; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Ceramic tile; Laminate
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Solid wood cabinets; Thermostat; Family room
• Laundry & utility: Laundry in garage

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $220k.

Deal economics

• At list price, monthly cash flow is $18 ($215/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $170k (22.9% below list).
• Recommended offer: $170k (22.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#526 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, crime D-, amenities F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Floral Avenue Elementary School (math 36% / reading 38%, grade F, #1,609 of 2,144 statewide, top 77%, 611 students, 56% FRL); Bartow Senior High School (math 26% / reading 46%, grade F, #359 of 667 statewide, top 55%, 2,125 students, 44% FRL).
• Market conditions: Rents rising (+2.7%/yr); 386 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 32% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 8 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $47k; list at $220k implies a 368% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1952 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $169,565 (22.9% below list)

Questions for the listing agent

1. Built in 1952 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 0.77% ✗
• Cap rate: 6.39%
• Cash-on-cash: 0.35%
• DSCR: 1.02
• GRM: 10.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.72% rent growth · sell at horizon

5-year hold

• IRR: -16.1%
• Equity multiple: 0.43×
• Total profit: $-35,081
• Equity at exit: $32,803

10-year hold

• IRR: -8.3%
• Equity multiple: 0.49×
• Total profit: $-31,414
• Equity at exit: $19,022

Cash invested: $61,600 (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 33830

• Home prices YoY: -19.8%
• Rents YoY: 2.7%
• Active inventory: 386
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $1,696 high
• Mortgage (P&I): −$1,154
• Tax from tax record: −$76 /mo · $915/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$356
• Net cashflow: $18

Break-even live

Break-even rent $1,673

Max offer price $220,000

Occupancy floor 94%

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: $55,000
• Closing costs: $6,600
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
990 E Bay St Bartow, FL	3.0	2.0	1188	$1,295	$1.09	10d	1	0.54mi
855 E Vine St Unit A Bartow, FL	3.0	2.0	1040	$1,850	$1.78	23d	1	0.56mi
1999 Marshall St Unit 2 Bartow, FL	3.0	2.0	1281	$1,800	$1.41	23d	1	0.63mi
740 E Pearl St Unit C Bartow, FL	2.0	1.0	900	$1,360	$1.51	23d	1	0.68mi
740 E Pearl St Apt E Bartow, FL	2.0	1.5	1000	$1,470	$1.47	23d	1	0.69mi
1290 Henson Ln Bartow, FL	2.0	1.0	743	$850	$1.14	12d	1	0.75mi
2025 Dunbar St Unit 2025 Bartow, FL	3.0	2.0	1333	$1,700	$1.28	23d	1	0.75mi
1850 Martin Luther King Junior Blvd Bartow, FL	3.0	2.0	1174	$1,795	$1.53	14d	1	0.78mi
2060 Martin Luther King Jr Blvd Bartow, FL	2.0	1.0	1120	$1,200	$1.07	23d	1	0.85mi
820 S Floral Ave Bartow, FL	2.0	1.5	1112	$1,200	$1.08	23d	1	0.93mi
670 Garden St Bartow, FL	2.0	1.0	850	$1,295	$1.52	23d	1	1.06mi
1070 E Church St Unit A Bartow, FL	4.0	2.5	1362	$1,850	$1.36	14d	1	1.17mi
1070 E Church St Bartow, FL	4.0	2.5	1384	$1,900	$1.37	14d	1	1.17mi
1465 E Boulevard St Bartow, FL	3.0	1.0	1000	$1,295	$1.29	23d	1	1.23mi

Listing history 4 events

1. 2026-04-28
   status Pending
2. 2026-04-20
   listed $220,000 Active
3. 1984-09-01
   soldstatus $47,000
4. 1981-12-01
   soldstatus $53,000

ⓘ 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: $915 · $76/mo
• Projected year-2 tax: $1,826 · $152/mo
• Expected delta: +$911/yr (+$76/mo · 99.5%)

ⓘ 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 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 25 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,348
• − Mortgage interest: −$12,323
• − Property taxes: −$915
• − Insurance: −$1,100
• − Repairs & maintenance: −$1,628
• − Management: −$1,628
• − Depreciation: −$6,400
• Taxable loss: −$3,646
• Est. tax savings @ 24.0%: +$875
• After-tax cash flow: $1,090/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: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Bartow

• Score: 68/100
• State rank: #526
• US rank: #9835

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bartow, FL
• County: Polk County · 740,051 people
• City population: 33,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 33,740
• Household income: $63,918
• Rent vs Own: 31.1% rent · 68.9% own
• Severe rent burden: 681.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 55% Hispanic / Latino 22% Black 18% Two or more races 13% Asian 2%
• Hispanic origin (detail): Mexican 13% Puerto Rican 5%
• Common ancestry: Italian 3% Slovak 1% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -82.47%
• Current HPI: 333.3392
• Rent YoY: ▲ 2.72%
• Metro: Lakeland-Winter Haven, 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

+315.1% since first listed

4 events — show timeline

• 2026-04-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-20 Listed $220,000 Stellar MLS as Distributed by MLS Grid
• 1984-09-01 Sold (Public Records) $47,000 Public Records
• 1981-12-01 Sold (Public Records) $53,000 Public Records

Property tax history

+5.9%/yr

Latest (2025): $915 · +2.8% YoY. Source: county tax records.