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3588 Whitetail Ln
D- Composite 38.17
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 +10.9/15.0
  • Cash flow +9.0/30.0
  • Rent growth +3.6/5.0
  • Schools +3.6/10.0
  • Livability +3.6/5.0
  • 1% rule +2.5/10.0
  • DSCR +2.5/10.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$299,900

3588 Whitetail Ln · Gonzalez, FL 32526
3 bd · 2.0 ba · 1,554 sqft · SingleFamily public records · 75 Days on market
Built 2018 6,098 sqft lot $193/sqft · 7% below area Est $324k · 7% under $83/mo HOA · 4% of rent

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This stunning 3-bedroom, 2-bathroom showstopper in the coveted Deer Run community isn't just move-in ready — it's lifestyle ready. From the moment you walk through the door, you'll feel it: this is the one. The thoughtfully designed split floor plan delivers the ultimate in privacy and flow, while a versatile front bonus room becomes whatever your life demands — a chic home office, an adventurous man cave, a sophisticated formal dining space, or the playroom of kids' dreams. Soaring tray ceilings crown the open-concept living area, creating a sense of grandeur and light, while sleek luxury vinyl flooring flows seamlessly throughout the main living areas — carpet in the bedrooms. The kitchen? An absolute moment. Gleaming granite countertops, rich cabinetry, stainless steel appliances, and a breakfast bar built for everything from rushed mornings to lingering late-night snacks. The sun-drenched eat-in nook is where memories are made. Retreat to the primary suite — your private sanctuary — featuring elegant tray ceilings, a worthy garden tub, and a fully tiled walk-in shower with a built-in bench seat. Two additional bedrooms offer generous space for family, guests, or that walk-in closet you've been manifesting. And the dedicated laundry room with built-in shelving and cabinet storage? It's the kind of elevated detail that separates a house from a home. Throw open the French doors and step into your private outdoor oasis. The expansive patio is made for golden-hour cookouts, sunset cocktails, and unforgettable entertaining. This home also delivers the upgrades that matter most: hurricane window protection for true peace of mind, overhead garage storage racks, and the kind of outdoor living space the Florida lifestyle is built around. Life in Deer Run is the dream you've been waiting for — a resort-style beach-entry pool, a buzzing community hub with food trucks and events that bring neighbors together, and nearby interstate access. This is the house.

Key facts

  • Split floor plan
  • Eat in nook
  • Granite countertops

Tags

SPLIT FLOOR PLANLUXURY VINYL FLOORINGGRANITE COUNTERTOPSSTAINLESS STEEL APPLIANCESBREAKFAST BAREAT IN NOOK

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 3-bed/2.0-bath single-family listed at $300k.

Deal economics

  • At list price, monthly cash flow is $-236 ($-3k/yr) — negative.
  • To cash-flow at today's rent, offer at most $258k (13.9% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $226k (24.7% below list).
  • Recommended offer: $226k (24.7% below list) — sets the bar for 1% rule.
  • Cap rate 5.4% vs local median 4.2% in Gonzalez — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

  • Location reads 71/100 on livability (#385 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, employment A; Watch: amenities F, commute F, health & safety F.
  • Escambia (suburban): math 40% / reading 45% proficiency, ranked #56 of 73 in FL (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Market conditions: Rents rising fast (+4.4%/yr); 417 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).
  • This rent runs 36% of the median local income ($75k/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.
  • Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

  • It's been on market 75 days — a 6% lower offer ($282k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 8y 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.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $225,713 (24.7% 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 75 days. Have you received any prior offers? Is the seller open to a 25% 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
0.75%
Cap rate
5.35%
Cash-on-cash
-3.37%
DSCR
0.85
GRM
11.1

CMA / ARV

ARV (median comp)
$324,197
List price
$299,900
Delta
-7.49%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 8 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
10677 Davenport Loop 0.47mi 4/2.0 (+1) 1,774 (+14%) 13mo $349,900 $197 38
10934 Blacktail Loop 0.71mi 4/2.0 (+1) 1,787 (+15%) 2mo $310,000 $173 36
10665 Davenport Loop 0.51mi 4/2.0 (+1) 1,774 (+14%) 15mo $364,900 $206 35
10653 Davenport Loop 0.54mi 4/2.0 (+1) 1,774 (+14%) 15mo $364,900 $206 34
10645 Davenport Loop 0.56mi 4/2.0 (+1) 1,774 (+14%) 16mo $359,900 $203 32
10985 Blacktail Loop 0.69mi 4/2.0 (+1) 1,787 (+15%) 10mo $315,000 $176 29
10841 Blacktail Loop 0.57mi 4/2.0 (+1) 1,787 (+15%) 20mo $323,000 $181 27
10969 Blacktail Loop 0.71mi 4/2.0 (+1) 1,787 (+15%) 23mo $299,500 $168 18

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 · 4.42% rent growth · sell at horizon

5-year hold
IRR
-20.4%
Equity multiple
0.28×
Total profit
$-60,329
Equity at exit
$44,716
10-year hold
IRR
-10.8%
Equity multiple
0.31×
Total profit
$-58,035
Equity at exit
$25,930

Cash invested: $83,972 (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.

ZIP-level market 32526

Home prices YoY
-28.3%
Rents YoY
4.4%
Active inventory
417
Price-to-rent
11.1×

Monthly cashflow live

Estimated rent
$2,257 high interval (Pro) →
Mortgage (P&I)
$1,573
Tax from tax record
$238 /mo · $2,856/yr
Insurance
$125
HOA
$83
Vacancy / Maint / Mgmt
$474
Net cashflow
$-236

Break-even live

Break-even rent $2,555
Max offer price $258,285
Occupancy floor

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
$74,975
Closing costs
$8,997
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 5 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
4041 Whitetail Ln Pensacola, FL 4.0 2.0 1787 $2,020 $1.13 23d 1 0.68mi
10921 Blacktail Loop Pensacola, FL 4.0 2.0 1787 $2,350 $1.32 21d 1 0.78mi
5943 Ravines Ln Pensacola, FL 3.0–5.0 2.0–3.0 2080 $2,207 $1.06 13d 9 1.07mi
6297 Sonoma Ln Pensacola, FL 4.0 2.5 2033 $2,350 $1.16 13d 1 1.11mi
9907 Cali Ln Pensacola, FL 3.0–4.0 2.0 1677 $2,160 $1.29 13d 1 1.27mi

HOA detail

Monthly dues
$83 · $996/yr
Likely covers
pool

Listing history 26 events

  1. 2026-06-18
    days on market $299,900 Active 75 DOM
  2. 2026-06-17
    days on market $299,900 Active 74 DOM
  3. 2026-06-16
    days on market $299,900 Active 73 DOM
  4. 2026-06-15
    days on market $299,900 Active 72 DOM
  5. 2026-06-14
    days on market $299,900 Active 70 DOM
  6. 2026-06-10
    days on market $299,900 Active 67 DOM
  7. 2026-06-09
    days on market $299,900 Active 66 DOM
  8. 2026-06-09
    price $299,900 Active 65 DOM
  9. 2026-06-08
    days on market $308,900 Active 65 DOM
  10. 2026-06-07
    days on market $308,900 Active 64 DOM
  11. 2026-06-03
    days on market $308,900 Active 60 DOM
  12. 2026-06-02
    days on market $308,900 Active 59 DOM
  13. 2026-06-01
    days on market $308,900 Active 58 DOM
  14. 2026-05-31
    days on market $308,900 Active 57 DOM
  15. 2026-05-31
    days on market $308,900 Active 56 DOM
  16. 2026-05-08
    price $308,900 2020-char remark
    Show marketing remark (2020 chars)

    This stunning 3-bedroom, 2-bathroom showstopper in the coveted Deer Run community isn't just move-in ready — it's lifestyle ready. From the moment you walk through the door, you'll feel it: this is the one. The thoughtfully designed split floor plan delivers the ultimate in privacy and flow, while a versatile front bonus room becomes whatever your life demands — a chic home office, an adventurous man cave, a sophisticated formal dining space, or the playroom of kids' dreams. Soaring tray ceilings crown the open-concept living area, creating a sense of grandeur and light, while sleek luxury vinyl flooring flows seamlessly throughout the main living areas — carpet in the bedrooms. The kitchen? An absolute moment. Gleaming granite countertops, rich cabinetry, stainless steel appliances, and a breakfast bar built for everything from rushed mornings to lingering late-night snacks. The sun-drenched eat-in nook is where memories are made. Retreat to the primary suite — your private sanctuary — featuring elegant tray ceilings, a worthy garden tub, and a fully tiled walk-in shower with a built-in bench seat. Two additional bedrooms offer generous space for family, guests, or that walk-in closet you've been manifesting. And the dedicated laundry room with built-in shelving and cabinet storage? It's the kind of elevated detail that separates a house from a home. Throw open the French doors and step into your private outdoor oasis. The expansive patio is made for golden-hour cookouts, sunset cocktails, and unforgettable entertaining. This home also delivers the upgrades that matter most: hurricane window protection for true peace of mind, overhead garage storage racks, and the kind of outdoor living space the Florida lifestyle is built around. Life in Deer Run is the dream you've been waiting for — a resort-style beach-entry pool, a buzzing community hub with food trucks and events that bring neighbors together, and nearby interstate access. This is the house.

  17. 2026-04-04
    status Active 2020-char remark
    Show marketing remark (2020 chars)

    This stunning 3-bedroom, 2-bathroom showstopper in the coveted Deer Run community isn't just move-in ready — it's lifestyle ready. From the moment you walk through the door, you'll feel it: this is the one. The thoughtfully designed split floor plan delivers the ultimate in privacy and flow, while a versatile front bonus room becomes whatever your life demands — a chic home office, an adventurous man cave, a sophisticated formal dining space, or the playroom of kids' dreams. Soaring tray ceilings crown the open-concept living area, creating a sense of grandeur and light, while sleek luxury vinyl flooring flows seamlessly throughout the main living areas — carpet in the bedrooms. The kitchen? An absolute moment. Gleaming granite countertops, rich cabinetry, stainless steel appliances, and a breakfast bar built for everything from rushed mornings to lingering late-night snacks. The sun-drenched eat-in nook is where memories are made. Retreat to the primary suite — your private sanctuary — featuring elegant tray ceilings, a worthy garden tub, and a fully tiled walk-in shower with a built-in bench seat. Two additional bedrooms offer generous space for family, guests, or that walk-in closet you've been manifesting. And the dedicated laundry room with built-in shelving and cabinet storage? It's the kind of elevated detail that separates a house from a home. Throw open the French doors and step into your private outdoor oasis. The expansive patio is made for golden-hour cookouts, sunset cocktails, and unforgettable entertaining. This home also delivers the upgrades that matter most: hurricane window protection for true peace of mind, overhead garage storage racks, and the kind of outdoor living space the Florida lifestyle is built around. Life in Deer Run is the dream you've been waiting for — a resort-style beach-entry pool, a buzzing community hub with food trucks and events that bring neighbors together, and nearby interstate access. This is the house.

  18. 2026-04-04
    historical 2020-char remark
    Show marketing remark (2020 chars)

    This stunning 3-bedroom, 2-bathroom showstopper in the coveted Deer Run community isn't just move-in ready — it's lifestyle ready. From the moment you walk through the door, you'll feel it: this is the one. The thoughtfully designed split floor plan delivers the ultimate in privacy and flow, while a versatile front bonus room becomes whatever your life demands — a chic home office, an adventurous man cave, a sophisticated formal dining space, or the playroom of kids' dreams. Soaring tray ceilings crown the open-concept living area, creating a sense of grandeur and light, while sleek luxury vinyl flooring flows seamlessly throughout the main living areas — carpet in the bedrooms. The kitchen? An absolute moment. Gleaming granite countertops, rich cabinetry, stainless steel appliances, and a breakfast bar built for everything from rushed mornings to lingering late-night snacks. The sun-drenched eat-in nook is where memories are made. Retreat to the primary suite — your private sanctuary — featuring elegant tray ceilings, a worthy garden tub, and a fully tiled walk-in shower with a built-in bench seat. Two additional bedrooms offer generous space for family, guests, or that walk-in closet you've been manifesting. And the dedicated laundry room with built-in shelving and cabinet storage? It's the kind of elevated detail that separates a house from a home. Throw open the French doors and step into your private outdoor oasis. The expansive patio is made for golden-hour cookouts, sunset cocktails, and unforgettable entertaining. This home also delivers the upgrades that matter most: hurricane window protection for true peace of mind, overhead garage storage racks, and the kind of outdoor living space the Florida lifestyle is built around. Life in Deer Run is the dream you've been waiting for — a resort-style beach-entry pool, a buzzing community hub with food trucks and events that bring neighbors together, and nearby interstate access. This is the house.

  19. 2026-04-03
    listed $309,900 Active 2020-char remark
    Show marketing remark (2020 chars)

    This stunning 3-bedroom, 2-bathroom showstopper in the coveted Deer Run community isn't just move-in ready — it's lifestyle ready. From the moment you walk through the door, you'll feel it: this is the one. The thoughtfully designed split floor plan delivers the ultimate in privacy and flow, while a versatile front bonus room becomes whatever your life demands — a chic home office, an adventurous man cave, a sophisticated formal dining space, or the playroom of kids' dreams. Soaring tray ceilings crown the open-concept living area, creating a sense of grandeur and light, while sleek luxury vinyl flooring flows seamlessly throughout the main living areas — carpet in the bedrooms. The kitchen? An absolute moment. Gleaming granite countertops, rich cabinetry, stainless steel appliances, and a breakfast bar built for everything from rushed mornings to lingering late-night snacks. The sun-drenched eat-in nook is where memories are made. Retreat to the primary suite — your private sanctuary — featuring elegant tray ceilings, a worthy garden tub, and a fully tiled walk-in shower with a built-in bench seat. Two additional bedrooms offer generous space for family, guests, or that walk-in closet you've been manifesting. And the dedicated laundry room with built-in shelving and cabinet storage? It's the kind of elevated detail that separates a house from a home. Throw open the French doors and step into your private outdoor oasis. The expansive patio is made for golden-hour cookouts, sunset cocktails, and unforgettable entertaining. This home also delivers the upgrades that matter most: hurricane window protection for true peace of mind, overhead garage storage racks, and the kind of outdoor living space the Florida lifestyle is built around. Life in Deer Run is the dream you've been waiting for — a resort-style beach-entry pool, a buzzing community hub with food trucks and events that bring neighbors together, and nearby interstate access. This is the house.

  20. 2023-05-19
    soldstatus $290,000
  21. 2023-05-17
    soldstatus $290,000 Sold 1298-char remark
    Show marketing remark (1298 chars)

    Come see this gorgeous well-maintained 3/2, 1554 sq ft home in Deer Run community. You'll definitely enjoy this open split floor plan that features a bonus room. The hallway leads to the comfy living area with tray ceilings. You have a galley kitchen with beautiful cabinets, granite countertops throughout, a breakfast bar, stainless-steel appliances and a breakfast nook. The laundry room is located inside with lovely shelves and a cabinet for storage needs. You have a spacious primary bedroom with a tray ceiling and bath that has a garden tub,and separate stand-up tiled shower with a bench seat. The two additional bedrooms are plenty big for a child's room, guest or office space. The guest bath is conveniently located right off the kitchen and in between the two bedrooms. There is luxury vinyl flooring in the foyer, living area, breakfast nook, kitchen, hallways and bathrooms. There is a large patio out back through the french doors that is perfect for grilling or entertaining family and friends. This home also features an exquisite community pool, a yard shed, generator, two overhead hanging storage racks in the garage, and hurricane window protection. Conveniently located next to the interstate and minutes away from shopping and restaurants. Call me today to schedule a tour.

  22. 2023-03-16
    historical Contingent 1298-char remark
    Show marketing remark (1298 chars)

    Come see this gorgeous well-maintained 3/2, 1554 sq ft home in Deer Run community. You'll definitely enjoy this open split floor plan that features a bonus room. The hallway leads to the comfy living area with tray ceilings. You have a galley kitchen with beautiful cabinets, granite countertops throughout, a breakfast bar, stainless-steel appliances and a breakfast nook. The laundry room is located inside with lovely shelves and a cabinet for storage needs. You have a spacious primary bedroom with a tray ceiling and bath that has a garden tub,and separate stand-up tiled shower with a bench seat. The two additional bedrooms are plenty big for a child's room, guest or office space. The guest bath is conveniently located right off the kitchen and in between the two bedrooms. There is luxury vinyl flooring in the foyer, living area, breakfast nook, kitchen, hallways and bathrooms. There is a large patio out back through the french doors that is perfect for grilling or entertaining family and friends. This home also features an exquisite community pool, a yard shed, generator, two overhead hanging storage racks in the garage, and hurricane window protection. Conveniently located next to the interstate and minutes away from shopping and restaurants. Call me today to schedule a tour.

  23. 2023-03-07
    price $299,000 1298-char remark
    Show marketing remark (1298 chars)

    Come see this gorgeous well-maintained 3/2, 1554 sq ft home in Deer Run community. You'll definitely enjoy this open split floor plan that features a bonus room. The hallway leads to the comfy living area with tray ceilings. You have a galley kitchen with beautiful cabinets, granite countertops throughout, a breakfast bar, stainless-steel appliances and a breakfast nook. The laundry room is located inside with lovely shelves and a cabinet for storage needs. You have a spacious primary bedroom with a tray ceiling and bath that has a garden tub,and separate stand-up tiled shower with a bench seat. The two additional bedrooms are plenty big for a child's room, guest or office space. The guest bath is conveniently located right off the kitchen and in between the two bedrooms. There is luxury vinyl flooring in the foyer, living area, breakfast nook, kitchen, hallways and bathrooms. There is a large patio out back through the french doors that is perfect for grilling or entertaining family and friends. This home also features an exquisite community pool, a yard shed, generator, two overhead hanging storage racks in the garage, and hurricane window protection. Conveniently located next to the interstate and minutes away from shopping and restaurants. Call me today to schedule a tour.

  24. 2023-02-08
    listed $305,000 Active 1298-char remark
    Show marketing remark (1298 chars)

    Come see this gorgeous well-maintained 3/2, 1554 sq ft home in Deer Run community. You'll definitely enjoy this open split floor plan that features a bonus room. The hallway leads to the comfy living area with tray ceilings. You have a galley kitchen with beautiful cabinets, granite countertops throughout, a breakfast bar, stainless-steel appliances and a breakfast nook. The laundry room is located inside with lovely shelves and a cabinet for storage needs. You have a spacious primary bedroom with a tray ceiling and bath that has a garden tub,and separate stand-up tiled shower with a bench seat. The two additional bedrooms are plenty big for a child's room, guest or office space. The guest bath is conveniently located right off the kitchen and in between the two bedrooms. There is luxury vinyl flooring in the foyer, living area, breakfast nook, kitchen, hallways and bathrooms. There is a large patio out back through the french doors that is perfect for grilling or entertaining family and friends. This home also features an exquisite community pool, a yard shed, generator, two overhead hanging storage racks in the garage, and hurricane window protection. Conveniently located next to the interstate and minutes away from shopping and restaurants. Call me today to schedule a tour.

  25. 2018-08-31
    soldstatus $195,690
  26. 2018-04-10
    listed $196,850

ⓘ 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
$2,856 · $238/mo
Projected year-2 tax
$2,856 · $238/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 5/10 Major
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 24 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 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
$27,086
− Mortgage interest
−$16,799
− Property taxes
−$2,856
− Insurance
−$1,500
− Repairs & maintenance
−$2,167
− Management
−$2,167
− HOA
−$996
− Depreciation
−$8,724
Taxable loss
−$8,124
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,950
After-tax cash flow
$-877/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
Escambia
NCES district ID
1200510
Math proficiency
40% ▼ -9.00%
Reading proficiency
45% ▼ -4.00%
Median HH income
$44,649
Composite
36.04/100
National rank
#4773
State rank
#56 of 73 in FL

Livability — Gonzalez

Score
71/100
State rank
#385
US rank
#6813

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Escambia County · 301,722 people
Metro
Pensacola-Ferry Pass-Brent, FL
Population (ZIP)
44,680
Household income
$75,098
Rent vs Own
23.8% rent · 76.2% own
Severe rent burden
1166.0

Population outlook (Escambia County) Hauer SSP2

Today (2025)
334,637 people
By 2030
345,779 · +3.3%
By 2040
364,828 · +9.0%
By 2050
378,514 · +13.1%
By 2075
403,220 · +20.5%
By 2100
386,125 · +15.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (66%)
Race & ethnicity
White 66% Black 19% Two or more races 8% Hispanic / Latino 5% Asian 3%
Common ancestry
Lithuanian 2% Slovak 2% Serbian 2%
Foreign-born
5% · Canada, China
Languages at home
94% English-only · Spanish 2% Tagalog/Filipino 1% Other Indo-European 1%

Political lean MEDSL · Escambia

2024 margin
R (+19.5) · D 39.7% · R 59.2% · Other 1.1%
2008→2024 swing
-0.2pp no change · 2008: -19.3pp · 2024: -19.5pp
All cycles
2024: R+19.5 2020: R+15.1 2016: R+20.6 2012: R+20.6 2008: R+19.3

Not yet ingested

Civics

Market trends

HPI YoY
▼ -99.68%
Current HPI
252.6406
Rent YoY
▲ 4.42%
Metro
Pensacola-Ferry Pass-Brent, FL
State GDP YoY
▲ 3.28%
F500 in state
36

Industry mix (Fortune 500 HQ in FL)

Industry F500 HQs Revenue

Price history

+56.9% since first listed
11 events — show timeline
  • 2026-05-08 Price Changed $308,900 PARMLS
  • 2026-04-04 Relisted PARMLS
  • 2026-04-04 Listing Removed PARMLS
  • 2026-04-03 Listed $309,900 PARMLS
  • 2023-05-19 Sold (Public Records) $290,000 Public Records
  • 2023-05-17 Sold (MLS) $290,000 PARMLS
  • 2023-03-16 Contingent PARMLS
  • 2023-03-07 Price Changed $299,000 PARMLS
  • 2023-02-08 Listed $305,000 PARMLS
  • 2018-08-31 Sold (MLS) $195,690 PARMLS
  • 2018-04-10 Listed $196,850 PARMLS

Property tax history

+74.8%/yr

Latest (2025): $2,856 · +7.3% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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