5113 Trevino Ave · Avon Park, FL 33872

$294,900

4 bd · 2.0 ba · 1,755 sqft · Land · 57 Days on market

Built 2025 9,863 sqft 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 +10.6/30.0
• ARV discount +7.5/15.0
• Schools +3.6/10.0
• Livability +3.6/5.0
• DSCR +3.1/10.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• 1% rule +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Residential Lot. Paved Road. Electric near by.

Key facts

• Split floorplan
• Ensuite bathroom
• Open concept layout

Tags

• OPEN CONCEPT LAYOUT
• BREAKFAST BAR
• SPLIT FLOORPLAN
• ENSUITE BATHROOM
• DEDICATED LAUNDRY ROOM

Property features AI

Finance

• HOA & community: Community clubhouse; Community golf; Community playground; Community pool

Exterior

• Parking: 2-car garage
• Utilities: Private well water; Septic tank sewer
• Home design: Single-family residence; One story; New construction
• Construction: Block and concrete construction; Shingle roof
• Exterior features: Front porch; Rear porch; Community pool access

Interior

• Flooring: Vinyl flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central electric heating; Central electric cooling
• Interior features: Vinyl flooring; 11 total rooms

🏗️ New construction. Builder plan / spec listing (the home may be to-be-built); metrics use comparable previous sales.

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $295k.

Deal economics

• At list price, monthly cash flow is $-143 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $270k (8.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $204k (31.0% below list).
• Recommended offer: $204k (31.0% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 3.8% in Avon Park — 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 71/100 on livability (#407 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D+, amenities F, commute F.
• Highlands (other): math 45% / reading 43% proficiency, ranked #54 of 73 in FL (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Sun 'N Lake Elementary School (math 63% / reading 59%, grade B, #653 of 2,144 statewide, top 31%, 618 students, 67% FRL); Hill-Gustat Middle School (math 53% / reading 50%, grade C, #232 of 571 statewide, top 41%, 705 students, 63% FRL); Avon Park High School (math 35% / reading 39%, grade F, #340 of 667 statewide, top 52%, 928 students, 67% FRL) — zoned schools at 66% FRL track the district average.
• Market conditions: Rents rising (+1.6%/yr); 705 active listings in the ZIP; 980 units permitted in Highlands County in 2024 (80 in 5+ unit buildings).
• This rent runs 35% 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 $2k of loan paydown is wiped out by about $9k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 57 days — a 3% lower offer ($286k) is reasonable based on typical stale-listing flexibility.
• 2 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 $13k; list at $295k implies a 2168% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• 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 $203,504 (31.0% 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 57 days. Have you received any prior offers? Is the seller open to a 31% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
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: 0.69% ✗
• Cap rate: 5.71%
• Cash-on-cash: -2.08%
• DSCR: 0.91
• GRM: 12.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.65% rent growth · sell at horizon

5-year hold

• IRR: -21.1%
• Equity multiple: 0.28×
• Total profit: $-59,771
• Equity at exit: $43,971

10-year hold

• IRR: -17.6%
• Equity multiple: 0.09×
• Total profit: $-75,264
• Equity at exit: $25,498

Cash invested: $82,572 (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 33872

• Home prices YoY: -25.8%
• Rents YoY: 1.6%
• Active inventory: 705
• Price-to-rent: 12.1×

Monthly cashflow live

• Estimated rent: $2,035 medium
• Mortgage (P&I): −$1,546
• Tax from tax record: −$81 /mo · $976/yr
• Insurance: −$123
• HOA: −$0
• Vacancy / Maint / Mgmt: −$427
• Net cashflow: $-143

Break-even live

Break-even rent $2,216

Max offer price $269,630

Occupancy floor —

Sensitivity live

Price	-10% $24	-5% $-60	+0% $-143	+5% $-227	+10% $-310
Rent	-10% $-304	-5% $-223	+0% $-143	+5% $-63	+10% $18
Rate	-1.0pp $5	-0.5pp $-68	base $-143	+0.5pp $-219	+1.0pp $-297

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: $73,725
• Closing costs: $8,847
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-21
   days on market $294,900 Active 57 DOM
2. 2026-06-19
   days on market $294,900 Active 55 DOM
3. 2026-06-18
   days on market $294,900 Active 54 DOM
4. 2026-06-17
   days on market $294,900 Active 53 DOM
5. 2026-06-16
   days on market $294,900 Active 52 DOM
6. 2026-06-15
   days on market $294,900 Active 51 DOM
7. 2026-06-14
   days on market $294,900 Active 49 DOM
8. 2026-06-10
   days on market $294,900 Active 46 DOM
9. 2026-06-09
   days on market $294,900 Active 45 DOM
10. 2026-06-08
    days on market $294,900 Active 44 DOM
11. 2026-06-07
    days on market $294,900 Active 43 DOM
12. 2026-06-02
    days on market $294,900 Active 38 DOM
13. 2026-06-01
    days on market $294,900 Active 37 DOM
14. 2026-05-31
    days on market $294,900 Active 36 DOM
15. 2026-05-30
    days on market $294,900 Active 35 DOM
16. 2026-04-26
    listed $294,900 Active
17. 2023-03-22
    soldstatus $13,000 Closed 46-char remark

    Show marketing remark (46 chars)

    Residential Lot. Paved Road. Electric near by.

18. 2023-02-20
    historical Active Under Contract 46-char remark

    Show marketing remark (46 chars)

    Residential Lot. Paved Road. Electric near by.

19. 2021-11-10
    listed $14,800 Active 46-char remark

    Show marketing remark (46 chars)

    Residential Lot. Paved Road. Electric near by.

20. 2005-03-14
    soldstatus $18,000

ⓘ 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: $976 · $81/mo
• Projected year-2 tax: $2,448 · $204/mo
• Expected delta: +$1,471/yr (+$123/mo · 150.7%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°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: $24,420
• − Mortgage interest: −$16,519
• − Property taxes: −$976
• − Insurance: −$1,474
• − Repairs & maintenance: −$1,954
• − Management: −$1,954
• − Depreciation: −$8,579
• Taxable loss: −$7,036
• Est. tax savings @ 24.0%: +$1,689
• After-tax cash flow: $-28/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: Highlands
• NCES district ID: 1200840
• Math proficiency: 45% ▼ -7.00%
• Reading proficiency: 43% ▼ -3.00%
• Median HH income: $35,276
• Composite: 36.42/100
• National rank: #4672
• State rank: #54 of 73 in FL

Livability — Avon Park

• Score: 71/100
• State rank: #407
• US rank: #7205

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Highlands County · 98,898 people
• City population: 25,501
• Metro: Sebring-Avon Park, FL
• Population (ZIP): 13,746
• Household income: $69,578
• Rent vs Own: 10.6% rent · 89.4% own
• Severe rent burden: 222.0

Population outlook (Highlands County) Hauer SSP2

• Today (2025): 99,674 people
• By 2030: 99,615 · -0.1%
• By 2040: 99,342 · -0.3%
• By 2050: 98,242 · -1.4%
• By 2075: 93,291 · -6.4%
• By 2100: 79,894 · -19.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (65%)
• Race & ethnicity: White 65% Hispanic / Latino 22% Two or more races 11% Black 5% Asian 4% Native American 1%
• Hispanic origin (detail): Mexican 5% Puerto Rican 9% Cuban 3%
• Common ancestry: Romanian 2% Russian 2% Slovak 2%
• Foreign-born: 12% · Canada, Jamaica
• Languages at home: 79% English-only · Spanish 16% Other Asian/Pacific 2% Other Indo-European 1%

Political lean MEDSL · Highlands

• 2024 margin: Solid R (+40.8) · D 29.3% · R 70.1%
• 2008→2024 swing: -22.7pp toward R · 2008: -18.1pp · 2024: -40.8pp
• All cycles: 2024: R+40.8 2020: R+34.4 2016: R+32.0 2012: R+23.0 2008: R+18.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -78.20%
• Current HPI: 225.3761
• Rent YoY: ▲ 1.65%
• Metro: Sebring-Avon Park, 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

+1538.3% since first listed

5 events — show timeline

• 2026-04-26 Listed $294,900 HAOR as distributed by MLS GRID
• 2023-03-22 Sold (MLS) $13,000 HAOR as distributed by MLS GRID
• 2023-02-20 Contingent — HAOR as distributed by MLS GRID
• 2021-11-10 Listed $14,800 HAOR as distributed by MLS GRID
• 2005-03-14 Sold (Public Records) $18,000 Public Records

Property tax history

+30.3%/yr

Latest (2025): $976 · +106.5% YoY. Source: county tax records.