14637 NE 145th Ave · Waldo, FL 32694

$206,000

3 bd · 1.0 ba · 1,656 sqft · SingleFamily public records · 77 Days on market

Built 1976 10,018 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 +12.5/30.0
• Appreciation +9.0/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• 1% rule +4.1/10.0
• DSCR +3.7/10.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Welcome to this beautifully upgraded 4 bedroom home in Waldo! This home offers the perfect blend of comfort, privacy, and convenience. Step inside to discover a thoughtfully designed layout featuring a spacious living room perfect for both relaxation and entertaining. This block stucco home features many upgrades, including a new roof (2022), new HVAC, new water heater, interior and exterior paint, and a fully remodeled kitchen and bathroom. The master bedroom features a walk-in closet and a fully remodeled bathroom. A laundry room off the kitchen. Enjoy a fully fenced backyard oasis with ample room for outdoor dining, play, and relaxing. With its serene location, abundant space, and versat

Key facts

• 0.23 acre lot
• Built 1976
• Listed 77 days

Property features AI

Finance

• Other: Lot about 0.23 acres (under 1/4 acre); Dirt road access
• HOA & community: No association; No association approval required

Exterior

• Utilities: Well water; Septic tank; Broadband/High-speed internet available; Cable available and connected; Electricity available and connected; Water available and connected
• Home design: Single-family residence; Residential property; One level; North-facing entry
• Construction: Stucco construction; Shingle roof; Slab foundation; Built on one level
• Exterior features: Outdoor lighting; Sliding doors

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Thermostat
• Laundry & utility: Laundry room; Washer

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $206k.

Deal economics

• At list price, monthly cash flow is $-31 ($-374/yr) — negative.
• To cash-flow at today's rent, offer at most $200k (2.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $188k (9.0% below list).
• Recommended offer: $188k (9.0% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 63/100 on livability (#705 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing B+; Watch: crime C-, schools F, amenities F.
• Alachua (urban): math 49% / reading 54% proficiency, ranked #30 of 73 in FL (top 41%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 36 active listings in the ZIP; 1,774 units permitted in Alachua County in 2024 (984 in 5+ unit buildings).

Forward outlook

• In year one you build about $18k of equity ($1k loan paydown + $17k appreciation (8.0% local appreciation)).
• Alachua County population projected at +26% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (8.0% appreciation + 3.0% rent growth), your $58k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$45k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 77 days — a 6% lower offer ($194k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 11y 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 $56k; list at $206k implies a 268% 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; severe wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $187,516 (9.0% 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 77 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
3. Built in 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
7. 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?
8. 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.
9. 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.
10. 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: 0.91% ✗
• Cap rate: 6.11%
• Cash-on-cash: -0.65%
• DSCR: 0.97
• GRM: 9.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

8.01% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.5%
• Equity multiple: 2.44×
• Total profit: $83,118
• Equity at exit: $156,676

10-year hold

• IRR: 18.2%
• Equity multiple: 5.21×
• Total profit: $242,805
• Equity at exit: $311,164

Cash invested: $57,680 (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 32694

• Home prices YoY: 3.7%
• Active inventory: 36
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,875 medium
• Mortgage (P&I): −$1,080
• Tax from tax record: −$346 /mo · $4,157/yr
• Insurance: −$86
• HOA: −$0
• Vacancy / Maint / Mgmt: −$394
• Net cashflow: $-31

Break-even live

Break-even rent $1,915

Max offer price $200,490

Occupancy floor 97%

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: $51,500
• Closing costs: $6,180
• Reserves months: —
• Total cash needed: —

Listing history 32 events

1. 2026-06-18
   days on market $206,000 Active 77 DOM
2. 2026-06-17
   days on market $206,000 Active 76 DOM
3. 2026-06-16
   price $206,000 Active 75 DOM
4. 2026-06-16
   days on market $211,000 Active 75 DOM
5. 2026-06-15
   days on market $211,000 Active 74 DOM
6. 2026-06-14
   days on market $211,000 Active 72 DOM
7. 2026-06-13
   days on market $211,000 Active 71 DOM
8. 2026-06-10
   days on market $211,000 Active 69 DOM
9. 2026-06-09
   days on market $211,000 Active 68 DOM
10. 2026-06-08
    days on market $211,000 Active 67 DOM
11. 2026-06-07
    days on market $211,000 Active 66 DOM
12. 2026-06-05
    days on market $211,000 Active 63 DOM
13. 2026-06-03
    days on market $211,000 Active 62 DOM
14. 2026-06-02
    days on market $211,000 Active 61 DOM
15. 2026-06-01
    days on market $211,000 Active 60 DOM
16. 2026-05-31
    days on market $211,000 Active 59 DOM
17. 2026-05-30
    days on market $211,000 Active 58 DOM
18. 2026-05-21
    status Active
19. 2026-05-14
    status Pending
20. 2026-03-26
    listed $211,000 Active
21. 2025-11-30
    historical
22. 2025-11-10
    status Active
23. 2025-11-09
    historical
24. 2025-09-22
    listed $224,000 Active
25. 2025-05-31
    historical
26. 2025-05-10
    price $224,900
27. 2025-04-16
    price $239,900
28. 2025-02-27
    listed $249,900 Active
29. 2024-08-08
    soldstatus $56,000
30. 2015-12-19
    historical
31. 2015-10-15
    listed $85,000
32. 1976-01-01
    soldstatus $22,500

ⓘ 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: $4,157 · $346/mo
• Projected year-2 tax: $4,157 · $346/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 8/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,502
• − Mortgage interest: −$11,539
• − Property taxes: −$4,157
• − Insurance: −$1,030
• − Repairs & maintenance: −$1,800
• − Management: −$1,800
• − Depreciation: −$5,993
• Taxable loss: −$3,818
• Est. tax savings @ 24.0%: +$916
• After-tax cash flow: $542/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: Alachua
• NCES district ID: 1200030
• Math proficiency: 49% ▼ -9.00%
• Reading proficiency: 54% ▼ -3.00%
• Median HH income: $42,683
• Composite: 43.31/100
• National rank: #3038
• State rank: #30 of 73 in FL

Livability — Waldo

• Score: 63/100
• State rank: #705
• US rank: #14963

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Waldo, FL
• Population (ZIP): 1,870

Population outlook (Alachua County) Hauer SSP2

• Today (2025): 289,834 people
• By 2030: 305,873 · +5.5%
• By 2040: 335,246 · +15.7%
• By 2050: 364,719 · +25.8%
• By 2075: 436,665 · +50.7%
• By 2100: 482,920 · +66.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Black 11% Hispanic / Latino 8% Two or more races 5% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 3% Cuban 3%
• Common ancestry: Slovak 4% Italian 3% Iranian 2%
• Foreign-born: 4% · Canada, South Korea
• Languages at home: 92% English-only · Spanish 5% Russian/Polish/Slavic 2% Korean 1%

Political lean MEDSL · Alachua

• 2024 margin: Strong D (+21.0) · D 59.7% · R 38.8% · Other 1.5%
• 2008→2024 swing: -0.6pp no change · 2008: 21.6pp · 2024: 21.0pp
• All cycles: 2024: D+21.0 2020: D+27.2 2016: D+22.5 2012: D+17.3 2008: D+21.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 8.01%
• Current HPI: 224.7473
• Rent YoY: —
• Metro: —
• 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

+837.8% since first listed

15 events — show timeline

• 2026-05-21 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-26 Listed $211,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-11-10 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-11-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-09-22 Listed $224,000 Stellar MLS as Distributed by MLS Grid
• 2025-05-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-05-10 Price Changed $224,900 Stellar MLS as Distributed by MLS Grid
• 2025-04-16 Price Changed $239,900 Stellar MLS as Distributed by MLS Grid
• 2025-02-27 Listed $249,900 Stellar MLS as Distributed by MLS Grid
• 2024-08-08 Sold (Public Records) $56,000 Public Records
• 2015-12-19 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-10-15 Listed $85,000 Stellar MLS as Distributed by MLS Grid
• 1976-01-01 Sold (Public Records) $22,500 Public Records

Property tax history

+8.1%/yr

Latest (2025): $4,157 · +50.3% YoY. Source: county tax records.