3033 Windswept Way · Wildwood, FL 34785

$295,590

4 bd · 2.0 ba · 1,580 sqft · SingleFamily · 162 Days on market

Built 2026 Excellent condition 4,800 sqft lot 2-car garage $14/mo HOA · 1% of rent

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Why this score? — see what drove the F 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 +7.5/15.0
• Cash flow +6.4/30.0
• Condition / age +5.0/5.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• Rent growth +3.2/5.0
• 1% rule +1.6/10.0
• DSCR +0.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Take advantage of limited time below-market interest rates on this home. Featuring 4 spacious bedrooms, 2 full baths, a convenient laundry room, covered lanai for outdoor living, and a 2-car garage, all right around the corner from the amenities.

Key facts

• Green space
• Dog park
• Designer kitchen

Tags

• NEW CONSTRUCTION HOME
• RESORT STYLE POOL
• OPEN CABANA
• GREEN SPACE
• DOG PARK
• DESIGNER KITCHEN

🏗️ New construction. The $295,590 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $310,714.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $296k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-542 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $232k (21.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $205k (30.7% below list).
• Recommended offer: $205k (30.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#471 in FL) — a middle-class / working-renter tenant base. Strengths: health & safety A+, cost of living A, crime A-; Watch: amenities F, commute F, employment D-.
• Sumter (rural): math 61% / reading 61% proficiency, ranked #11 of 73 in FL (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Wildwood Elementary School (math 49% / reading 52%, grade D+, #1,055 of 2,144 statewide, top 50%, 940 students, 76% FRL); South Sumter Middle School (math 55% / reading 54%, grade B-, #183 of 571 statewide, top 34%, 897 students, 61% FRL); Wildwood Middle/ High School (math 29% / reading 41%, grade F, #379 of 667 statewide, top 58%, 843 students, 63% FRL) — zoned schools average 67% FRL vs 51% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 47% at this address vs 61% district-wide (-14 pts) — the specific schools serving this property underperform the Sumter average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+2.9%/yr); 605 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 40% of comp listings sitting > 30 days — soft ceiling on asking rent; 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).
• This rent runs 37% of the median local income ($66k/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 $9k of value loss. Plan a longer hold.
• Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 162 days — a 12% lower offer ($260k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $204,980 (30.7% 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 162 days. Have you received any prior offers? Is the seller open to a 31% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 0.66% ✗
• Cap rate: 4.20%
• Cash-on-cash: -7.47%
• DSCR: 0.67
• GRM: 12.6

CMA / ARV

• ARV (median comp): $310,714
• List price: $295,590
• Delta: -5.84%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9024 Wildlight Trl	0.12mi	4/2.0	1,580 (0%)	4mo	$300,370	$190	91
3070 Evenmore Way	0.28mi	3/2.0 (-1)	1,504 (-5%)	1mo	$286,490	$190	73
3074 Evenmore Way	0.28mi	3/2.0 (-1)	1,504 (-5%)	4mo	$276,990	$184	71
8621 Pinecrest Trl	0.46mi	3/2.0 (-1)	1,504 (-5%)	2mo	$287,350	$191	64
8609 Pinecrest Trl	0.49mi	3/2.0 (-1)	1,504 (-5%)	3mo	$282,630	$188	62
8599 Pinecrest Trl	0.51mi	3/2.0 (-1)	1,504 (-5%)	4mo	$279,725	$186	60
8657 Barragan Dr	0.52mi	3/2.0 (-1)	1,672 (+6%)	3mo	$290,990	$174	58
8778 Pinecrest Trl	0.50mi	3/2.0 (-1)	1,816 (+15%)	3mo	$299,990	$165	44
8617 Pinecrest Trl	0.47mi	3/2.0 (-1)	1,816 (+15%)	5mo	$299,990	$165	44
8761 Pinecrest Trl	0.53mi	3/2.0 (-1)	1,816 (+15%)	3mo	$315,990	$174	43
8779 Pinecrest Trl	0.54mi	3/2.0 (-1)	1,816 (+15%)	3mo	$289,990	$160	42
8188 Ives Pl	0.60mi	3/2.0 (-1)	1,816 (+15%)	3mo	$319,110	$176	40

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 · 2.85% rent growth · sell at horizon

5-year hold

• IRR: -29.5%
• Equity multiple: 0.02×
• Total profit: $-85,135
• Equity at exit: $46,329

10-year hold

• IRR: -30.8%
• Equity multiple: -0.38×
• Total profit: $-119,682
• Equity at exit: $26,865

Cash invested: $87,000 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 57 active · 34 under contract
• Months of supply: 11.4 mo (9%/mo absorbed)
• Median asking: $299,990 ($179/sqft)
• Median days on market: 243 d
• This list price: 46% of active listings are priced below it
• ARV vs active asking: +9.7% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34785

• Home prices YoY: -10.7%
• Rents YoY: 2.9%
• Active inventory: 605
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $2,050 high
• Mortgage (P&I): −$1,629
• Tax est. 1.5%: −$388 /mo · $4,661/yr
• Insurance: −$129
• HOA: −$14
• Vacancy / Maint / Mgmt: −$430
• Net cashflow: $-542

Break-even live

Break-even rent $2,736

Max offer price $232,295

Occupancy floor —

Sensitivity live

Price	-10% $-327	-5% $-435	+0% $-542	+5% $-649	+10% $-757
Rent	-10% $-704	-5% $-623	+0% $-542	+5% $-461	+10% $-380
Rate	-1.0pp $-385	-0.5pp $-463	base $-542	+0.5pp $-622	+1.0pp $-704

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: $77,679
• Closing costs: $9,321
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8665 Barragan Dr Wildwood, FL	4.0	2.0	1828	$2,250	$1.23	6d	1	0.48mi
3234 Evenmore Way Wildwood, FL	4.0	2.0	1824	$2,100	$1.15	116d	1	0.52mi
8552 Pinecrest Trl Wildwood, FL	4.0	2.0	2031	$2,300	$1.13	6d	1	0.58mi
8412 Gower Trl Wildwood, FL	3.0	2.5	1463	$1,850	$1.26	5d	1	0.66mi
8396 Gower Trl Unit 1 Wildwood, FL	3.0	2.5	1707	$1,795	$1.05	116d	1	0.68mi
8362 Gower Trl Wildwood, FL	3.0	2.5	1464	$1,695	$1.16	116d	1	0.70mi
9692 Pepper Tree Trl Wildwood, FL	3.0	2.0	1672	$1,700	$1.02	116d	1	0.71mi
8375 Gower Trl Wildwood, FL	3.0	2.5	1464	$1,800	$1.23	6d	1	0.72mi
8371 Gower Trl Wildwood, FL	3.0	2.5	1464	$1,700	$1.16	3d	1	0.72mi
9760 Pepper Tree Ter Wildwood, FL	1.0–3.0	1.0–2.0	980	$1,986	$2.03	0d	14	1.04mi

Property features AI

Finance

• Other: Lease restrictions apply
• Financial info: Other annual assessment amount listed
• HOA & community: HOA managed by Atmos Living Management GroupMonthly HOA approximately $14 (annual $168)Association approval requiredAssociation amenities include clubhouse, fitness center, playground, pool, recreation facilities, sauna, spa/hot tub, tennis courts, trailsPool and grounds maintenance included in association feeDeed restrictions, sidewalks, and street lights in communityPets allowed with number limits

Exterior

• Parking: DrivewayAttached 2-car garage with garage door opener
• Security: Smoke detectors
• Utilities: Public waterPublic sewerCable availableElectricity availableNatural gas availableUnderground utilitiesIrrigation equipment
• Home design: Single family residenceOne storyNew construction (projected completion May 20, 2026)North-facing
• Construction: Stucco constructionShingle roofSlab foundationBuilder: Pulte Home Company, LLC (Model: DAYLEN)
• Exterior features: Covered rear porchSliding doorsLandscaped yardSidewalksPaved road accessTrees/landscaped

Interior

• Kitchen: DishwasherDisposalMicrowaveRangeRefrigeratorSolid surface countersEat-in kitchen
• Bedrooms: 4 bedrooms
• Flooring: CarpetTile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heat pump heatingCentral air conditioning
• Interior features: Eat-in kitchenIn-wall pest control systemOpen floorplan with living/dining comboSolid surface countersThermostatWalk-in closetsBlinds
• Laundry & utility: Inside laundry roomWasherDryerGas water heater

Listing history 50 events

1. 2026-09-24
   days on market $295,590 Active 162 DOM
2. 2026-09-24
   days on market $295,590 Active 161 DOM
3. 2026-09-22
   days on market $295,590 Active 160 DOM
4. 2026-09-20
   days on market $295,590 Active 158 DOM
5. 2026-09-18
   days on market $295,590 Active 156 DOM
6. 2026-09-17
   days on market $295,590 Active 155 DOM
7. 2026-09-16
   days on market $295,590 Active 154 DOM
8. 2026-09-15
   days on market $295,590 Active 153 DOM
9. 2026-09-15
   price $295,590 Active 152 DOM
10. 2026-09-14
    days on market $292,570 Active 152 DOM
11. 2026-09-14
    days on market $292,570 Active 151 DOM
12. 2026-09-12
    days on market $292,570 Active 150 DOM
13. 2026-09-11
    days on market $292,570 Active 149 DOM
14. 2026-09-05
    days on market $292,570 Active 143 DOM
15. 2026-09-04
    days on market $292,570 Active 142 DOM
16. 2026-09-03
    days on market $292,570 Active 141 DOM
17. 2026-08-31
    days on market $292,570 Active 138 DOM
18. 2026-08-30
    days on market $292,570 Active 137 DOM
19. 2026-08-29
    days on market $292,570 Active 136 DOM
20. 2026-08-28
    days on market $292,570 Active 135 DOM
21. 2026-08-27
    days on market $292,570 Active 134 DOM
22. 2026-08-26
    days on market $292,570 Active 133 DOM
23. 2026-08-25
    days on market $292,570 Active 132 DOM
24. 2026-08-24
    days on market $292,570 Active 131 DOM
25. 2026-08-23
    days on market $292,570 Active 130 DOM
26. 2026-08-21
    days on market $292,570 Active 128 DOM
27. 2026-08-20
    days on market $292,570 Active 127 DOM
28. 2026-08-19
    days on market $292,570 Active 126 DOM
29. 2026-08-18
    days on market $292,570 Active 125 DOM
30. 2026-08-17
    days on market $292,570 Active 124 DOM
31. 2026-08-16
    days on market $292,570 Active 123 DOM
32. 2026-08-15
    days on market $292,570 Active 122 DOM
33. 2026-08-15
    price $292,570 Active 121 DOM
34. 2026-08-14
    days on market $287,570 Active 121 DOM
35. 2026-08-13
    days on market $287,570 Active 120 DOM
36. 2026-08-12
    days on market $287,570 Active 119 DOM
37. 2026-08-12
    price $287,570 Active 118 DOM
38. 2026-08-11
    days on market $297,570 Active 118 DOM
39. 2026-08-10
    days on market $297,570 Active 117 DOM
40. 2026-08-09
    days on market $297,570 Active 116 DOM
41. 2026-08-08
    days on market $297,570 Active 115 DOM
42. 2026-08-07
    pricedays on market $297,570 Active 114 DOM
43. 2026-08-06
    days on market $312,570 Active 113 DOM
44. 2026-08-05
    days on market $312,570 Active 112 DOM
45. 2026-08-04
    days on market $312,570 Active 111 DOM
46. 2026-08-03
    days on market $312,570 Active 110 DOM
47. 2026-07-31
    days on market $312,570 Active 107 DOM
48. 2026-07-29
    days on market $312,570 Active 105 DOM
49. 2026-07-27
    days on market $312,570 Active 103 DOM
50. 2026-07-25
    days on market $312,570 Active 101 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $24,598
• − Mortgage interest: −$17,405
• − Property taxes: −$4,661
• − Insurance: −$1,554
• − Repairs & maintenance: −$1,968
• − Management: −$1,968
• − HOA: −$168
• − Depreciation: −$9,039
• Taxable loss: −$12,164
• Est. tax savings @ 24.0%: +$2,919
• After-tax cash flow: $-3,584/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.

Condition & rehab AI · 12 photos

Excellent 100/100 None rehab

This new construction home is move-in ready with a modern design and high-quality finishes. It offers a great value for both resale and rental markets.

Value-add opportunities

• Resale Paint interior walls — Fresh paint can enhance curb appeal and interior aesthetics. ↑
• Resale Replace countertops — Quartz countertops are durable and can add value to the home. ↑
• Resale Install new flooring in bedrooms — Hardwood floors in the living areas contrast with carpeted bedrooms, which can be updated for a more modern look. ↑
• Both Add smart home features — Smart home features can increase both resale and rental value by making the home more convenient and energy-efficient. ↑

F Composite school gradezoned avg 43/100

Zoned Schools

Elementary Wildwood Elementary School D+ FL #1,055/2,144 Nat'l #12,398/41,679 High Wildwood Middle/ High School F FL #379/667 Nat'l #9,567/17,239

Schools (NCES district)

• District: Sumter
• NCES district ID: 1201800
• Math proficiency: 61% ▼ -4.00%
• Reading proficiency: 61% ▼ -2.00%
• Median HH income: $48,240
• Composite: 51.74/100
• National rank: #1682
• State rank: #11 of 73 in FL

C Composite livability gradescore 69/100

Livability — Wildwood

• Score: 69/100
• State rank: #471
• US rank: #8500

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wildwood, FL
• County: Sumter County · 161,172 people
• City population: 21,568
• Metro: The Villages, FL
• Population (ZIP): 21,568
• Household income: $66,136
• Rent vs Own: 26.7% rent · 73.3% own
• Severe rent burden: 11% of renters

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Population outlook (Sumter County) Hauer SSP2

• Today (2025): 161,172 people
• By 2030: 180,083 · +11.7%
• By 2040: 209,892 · +30.2%
• By 2050: 234,186 · +45.3%
• By 2075: 284,602 · +76.6%
• By 2100: 317,039 · +96.7%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 52% Black 29% Hispanic / Latino 14% Two or more races 3%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2%
• Common ancestry: Romanian 3% Lithuanian 2% Italian 2%
• Foreign-born: 11% · Canada, Jamaica
• Languages at home: 85% English-only · Spanish 12% Other Indo-European 1% French/Haitian/Cajun 1%

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Political lean MEDSL · Sumter

• 2024 margin: Solid R (+37.6) · D 30.9% · R 68.6%
• 2008→2024 swing: -10.6pp toward R · 2008: -27.0pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+36.1 2016: R+39.2 2012: R+34.9 2008: R+27.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -32.14%
• Current HPI: 267.9137
• Rent YoY: ▲ 2.85%
• Metro: The Villages, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

Property features AI

Finance

• Other: Lease restrictions apply
• Financial info: Other annual assessment amount listed
• HOA & community: HOA managed by Atmos Living Management GroupMonthly HOA approximately $14 (annual $168)Association approval requiredAssociation amenities include clubhouse, fitness center, playground, pool, recreation facilities, sauna, spa/hot tub, tennis courts, trailsPool and grounds maintenance included in association feeDeed restrictions, sidewalks, and street lights in communityPets allowed with number limits

Exterior

• Parking: DrivewayAttached 2-car garage with garage door opener
• Security: Smoke detectors
• Utilities: Public waterPublic sewerCable availableElectricity availableNatural gas availableUnderground utilitiesIrrigation equipment
• Home design: Single family residenceOne storyNew construction (projected completion May 20, 2026)North-facing
• Construction: Stucco constructionShingle roofSlab foundationBuilder: Pulte Home Company, LLC (Model: DAYLEN)
• Exterior features: Covered rear porchSliding doorsLandscaped yardSidewalksPaved road accessTrees/landscaped

Interior

• Kitchen: DishwasherDisposalMicrowaveRangeRefrigeratorSolid surface countersEat-in kitchen
• Bedrooms: 4 bedrooms
• Flooring: CarpetTile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heat pump heatingCentral air conditioning
• Interior features: Eat-in kitchenIn-wall pest control systemOpen floorplan with living/dining comboSolid surface countersThermostatWalk-in closetsBlinds
• Laundry & utility: Inside laundry roomWasherDryerGas water heater

Price history

+1.0% since first listed

6 events — show timeline

• 2026-05-08 Price Changed $312,570 Stellar MLS as Distributed by MLS Grid
• 2026-05-03 Price Changed $312,570 Zillow
• 2026-04-28 Price Changed $310,570 Zillow
• 2026-04-27 Price Changed $310,570 Stellar MLS as Distributed by MLS Grid
• 2026-04-15 Listed $309,570 Stellar MLS as Distributed by MLS Grid
• 2026-03-29 Listed $309,570 Zillow