1421 14th St E · Bradenton, FL 34208

$205,000

2 bd · 1.0 ba · 888 sqft · SingleFamily public records · 20 Days on market

Built 1963 9,601 sqft lot Est $269k · 24% under

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Why this score? — see what drove the C- 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 +15.1/30.0
• ARV discount +15.0/15.0
• DSCR +4.6/10.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• 1% rule +3.5/10.0
• Condition / age +2.5/5.0
• Rent growth +1.1/5.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. Opportunity knocks with this charming three-bedroom, one-bathroom home, perfect for first-time buyers or savvy investors. Featuring a convenient carport and a spacious yard, there’s plenty of room to expand, entertain, or create your own outdoor retreat. This property offers solid potential and just needs a little TLC to truly shine—bring your vision and make it your own. Whether you're looking for a starter home or a great addition to your investment portfolio, this one checks the boxes. Enjoy the freedom of no HOA, giving you flexibility and fewer restrictions. Don’t miss your chance to unlock the possibilities this property has to

Key facts

• 9,601 sq ft lot
• Parking
• Built 1963

Property features AI

Finance

• Other: Property type: Single family residence; Zoning: R1C
• HOA & community: No HOA/association indicated

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Cable connected; Electricity connected; Water connected; Sewer connected
• Home design: Single family residence; Residential property; One story; Faces west; Entry level: One
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built on lot approximately 0.22 acres (55.8 x 120)
• Exterior features: Private mailbox; Asphalt road frontage

Interior

• Kitchen: Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Linoleum
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; High ceilings; Open floor plan; Thermostat; Window treatments
• Laundry & utility: Washer hookup; Electric dryer hookup; Other laundry connection

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $205k.

Deal economics

• At list price, monthly cash flow is $69 ($831/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 $174k (15.3% below list).
• Recommended offer: $174k (15.3% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 3.6% in Bradenton — 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 81/100 on livability (#101 in FL, #1,528 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, crime D, amenities F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Manatee Elementary School (math 39% / reading 20%, grade F, #1,896 of 2,144 statewide, top 90%, 525 students, 86% FRL); Martha B. King Middle School (math 48% / reading 39%, grade D, #329 of 571 statewide, top 58%, 848 students, 63% FRL); Manatee High School (math 32% / reading 47%, grade F, #304 of 667 statewide, top 47%, 1,983 students, 59% FRL) — zoned schools average 69% FRL vs 51% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 38% at this address vs 52% district-wide (-14 pts) — the specific schools serving this property underperform the Manatee average; the district grade overstates school quality for this exact location.
• Market conditions: Rents falling (-5.4%/yr); 351 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• This rent runs 34% of the median local income ($61k/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.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($202k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $173,685 (15.3% below list)

Questions for the listing agent

1. Built in 1963 — 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. 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.
5. 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.
6. 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: 0.85% ✗
• Cap rate: 6.70%
• Cash-on-cash: 1.45%
• DSCR: 1.06
• GRM: 9.8

CMA / ARV

• ARV (on-the-fly): $269,064
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1525 7th Avenue Dr E	0.51mi	3/1.0 (+1)	880 (-1%)	1mo	$230,000	$261	69
911 13th St E	0.33mi	3/1.0 (+1)	816 (-8%)	3mo	$268,000	$328	64
1616 15th St E	0.13mi	3/1.0 (+1)	825 (-7%)	20mo	$259,000	$314	61
2306 9th St E	0.69mi	2/1.0	825 (-7%)	8mo	$250,000	$303	49
2215 19th St E	0.68mi	3/1.0 (+1)	962 (+8%)	14mo	$269,900	$281	38

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -17.2%
• Equity multiple: 0.41×
• Total profit: $-33,941
• Equity at exit: $30,566

10-year hold

• IRR: -15.4%
• Equity multiple: 0.24×
• Total profit: $-43,724
• Equity at exit: $17,725

Cash invested: $57,400 (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 34208

• Rents YoY: -5.4%
• Active inventory: 351
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $1,737 high
• Mortgage (P&I): −$1,075
• Tax from tax record: −$142 /mo · $1,709/yr
• Insurance: −$85
• HOA: −$0
• Vacancy / Maint / Mgmt: −$365
• Net cashflow: $69

Break-even live

Break-even rent $1,649

Max offer price $205,000

Occupancy floor 91%

Sensitivity live

Price	-10% $185	-5% $127	+0% $69	+5% $11	+10% $-47
Rent	-10% $-68	-5% $1	+0% $69	+5% $138	+10% $206
Rate	-1.0pp $172	-0.5pp $121	base $69	+0.5pp $16	+1.0pp $-38

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: $51,250
• Closing costs: $6,150
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1410 21st Ave E Bradenton, FL	2.0	1.0	975	$1,599	$1.64	16d	1	0.38mi
806 12th St E Bradenton, FL	3.0	1.0	900	$2,050	$2.28	25d	1	0.48mi
1818 9th Ave E Bradenton, FL	1.0–3.0	1.0	905	$1,435	$1.59	12d	9	0.50mi
1591 19th Street Ct E Bradenton, FL	2.0	1.0	852	$1,249	$1.47	25d	1	0.55mi
1029 7th Ave E Bradenton, FL	1.0	1.0	650	$1,600	$2.46	25d	1	0.63mi
360 11th St E Bradenton, FL	1.0–3.0	1.0–2.0	1112	$1,978	$1.78	3d	20	0.73mi
505 22nd Ter E Bradenton, FL	3.0	2.0	1039	$1,989	$1.91	4d	1	0.76mi
1161 3rd Ave E Bradenton, FL	1.0–3.0	1.0–2.0	1088	$2,652	$2.44	3d	21	0.81mi
712 26th Ave E Bradenton, FL	2.0	1.0	750	$1,600	$2.13	25d	1	0.82mi
718 26th Ave E Bradenton, FL	2.0	1.0	750	$1,600	$2.13	25d	1	0.83mi
302 19th St E Bradenton, FL	2.0	1.0	900	$1,800	$2.00	25d	1	0.91mi
306 19th St E Bradenton, FL	2.0	1.0	900	$1,800	$2.00	25d	1	0.91mi
1912 3rd Ave E Bradenton, FL	2.0	1.0	944	$1,800	$1.91	25d	1	0.93mi
2514 10th Avenue Dr E Bradenton, FL	3.0	1.5	1096	$1,795	$1.64	25d	1	0.98mi
408 3rd Ave E Unit A Bradenton, FL	3.0	2.0	1000	$1,995	$2.00	5d	1	0.99mi
2004 2nd Ave E Apt 1 Bradenton, FL	2.0	2.0	1000	$1,500	$1.50	25d	1	1.01mi
2004 2nd Ave E Unit 2 Bradenton, FL	1.0	1.0	700	$1,325	$1.89	25d	1	1.01mi
2021 3rd Ave E Unit A Bradenton, FL	2.0	2.0	1000	$1,700	$1.70	5d	1	1.02mi
515 1st Ave E Bradenton, FL	2.0	2.0	1104	$2,275	$2.06	25d	1	1.05mi
2441 6th Avenue Dr E Bradenton, FL	2.0	2.0	1098	$2,500	$2.28	17d	1	1.06mi
2519 7th Ave E Unit 2519 Bradenton, FL	2.0	1.0	756	$1,600	$2.12	13d	1	1.09mi
2019 5th St W Bradenton, FL	1.0–2.0	1.0–2.0	750	$1,575	$2.10	5d	22	1.15mi
616 33rd Ave E Bradenton, FL	2.0	2.0	750	$1,600	$2.13	25d	1	1.20mi
302 26th Ave W Bradenton, FL	2.0–3.0	2.0	1043	$1,575	$1.51	3d	23	1.21mi
102 Manatee Ave W Bradenton, FL	1.0–3.0	1.0–2.0	1035	$1,962	$1.90	3d	14	1.22mi
818 28th Street Cir E Bradenton, FL	3.0	1.0	936	$2,200	$2.35	21d	1	1.29mi
702 21st Ave W Unit C Bradenton, FL	2.0	1.0	1000	$1,350	$1.35	5d	1	1.35mi
702 21st Ave W Unit B Bradenton, FL	1.0	1.0	600	$1,150	$1.92	25d	1	1.35mi
305 30th Ave W Unit A207 Bradenton, FL	2.0	2.0	1050	$1,400	$1.33	16d	1	1.40mi
305 30th Ave W Bradenton, FL	1.0–2.0	1.5–2.0	987	$1,400	$1.42	25d	2	1.40mi
3808 11th St E Bradenton, FL	2.0	1.0	850	$1,600	$1.88	25d	1	1.41mi
350 34th Avenue Dr E Bradenton, FL	1.0–3.0	1.0–2.0	893	$1,335	$1.49	3d	6	1.42mi
805 22nd Ave W Bradenton, FL	1.0	1.0	790	$1,200	$1.52	25d	1	1.44mi
425 30th Ave W Unit C308 Bradenton, FL	2.0	2.0	924	$1,590	$1.72	25d	1	1.45mi
210 3rd St W Bradenton, FL	1.0–3.0	1.0–2.0	1094	$1,954	$1.79	3d	1	1.46mi
210 3rd St W #8402 Bradenton, FL	2.0	2.0	1000	$2,600	$2.60	25d	1	1.46mi
8 Columbia St Bradenton, FL	1.0	1.0	842	$1,795	$2.13	25d	1	1.46mi
1510 10th St W Unit B Bradenton, FL	1.0	1.0	640	$1,150	$1.80	4d	1	1.48mi
801 6th Ave W Bradenton, FL	2.0	2.0	808	$1,542	$1.91	5d	4	1.49mi
515 30th Ave W Bradenton, FL	2.0	2.0	1001	$1,375	$1.37	17d	2	1.50mi

Listing history 6 events

1. 2026-06-15
   status $205,000 Pending 20 DOM
2. 2026-06-15
   days on market $205,000 Active 20 DOM
3. 2026-06-13
   days on market $205,000 Active 18 DOM
4. 2026-06-13
   statusdays on market $205,000 Active 17 DOM
5. 2026-05-22
   status Pending
6. 2026-05-06
   listed $205,000 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: $1,709 · $142/mo
• Projected year-2 tax: $1,709 · $142/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 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,842
• − Mortgage interest: −$11,483
• − Property taxes: −$1,709
• − Insurance: −$1,025
• − Repairs & maintenance: −$1,667
• − Management: −$1,667
• − Depreciation: −$5,964
• Taxable loss: −$2,673
• Est. tax savings @ 24.0%: +$642
• After-tax cash flow: $1,473/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: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — Bradenton

• Score: 81/100
• State rank: #101
• US rank: #1528

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bradenton, FL
• County: Manatee County · 416,364 people
• City population: 227,091
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 44,004
• Household income: $60,504
• Rent vs Own: 43.5% rent · 56.5% own
• Severe rent burden: 1777.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 43% Hispanic / Latino 33% Black 18% Two or more races 16% Asian 2%
• Hispanic origin (detail): Mexican 18% Puerto Rican 3% Cuban 2% Dominican 2%
• Common ancestry: Hispanic 2% Iranian 2% Lithuanian 1%
• Foreign-born: 20% · Canada, Jamaica, China
• Languages at home: 67% English-only · Spanish 27% French/Haitian/Cajun 3% Other Indo-European 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -353.49%
• Current HPI: 287.0443
• Rent YoY: ▼ -5.44%
• Metro: North Port-Sarasota-Bradenton, 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

2 events — show timeline

• 2026-05-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-06 Listed $205,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+7.0%/yr

Latest (2025): $1,709 · +3.0% YoY. Source: county tax records.