3025 Silverado Ter · Winter Haven, FL 33884

$199,000

3 bd · 2.0 ba · 1,281 sqft · SingleFamily public records · 304 Days on market

Built 1988 5,650 sqft lot $125/mo HOA · 7% of rent

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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 +14.0/30.0
• ARV discount +7.5/15.0
• 1% rule +4.2/10.0
• DSCR +4.2/10.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

ENJOY GOLF COURSE VIEWS FROM THIS DESIRABLE 2 BEDROOM 2 BATH FURNISHED PATIO HOME FEATURING CATHEDRAL CEILINGS, AN EAT-IN KITCHEN, SPLIT BEDROOMS AND AN ENCLOSED FLORIDA ROOM!! Located in Cypresswood Golf and Country Club featuring golf, tennis, a private pool, exercise facility, a restaurant, a clubhouse, excellent walking or bicycling opportunities plus 24-HR Gated & manned security. This is a stunning place to call home in one of Winter Haven's most established neighborhoods!!!

Key facts

• Gated neighborhood
• Fitness center
• Tennis courts

Tags

• GATED NEIGHBORHOOD
• 24 HOUR SECURITY
• RESORT STYLE AMENITIES
• TENNIS COURTS
• CLUBHOUSE WITH DINING
• FITNESS CENTER

Property features AI

Finance

• Other: Property is homesteaded
• Financial info: Lease restrictions apply
• HOA & community: Cypresswoods HOA (association approval required); HOA dues $125 monthly ($1,500 annually); Community clubhouse, pool, tennis courts, golf and golf-cart friendly, deed restrictions; Pets allowed (cats and dogs)

Exterior

• Parking: Attached 2-car garage
• Security: Gated community
• Utilities: Public water; Public sewer; Electricity connected; Cable available; Water connected; Sewer connected
• Home design: Single-family residence (PUD); One-story; Faces west
• Construction: Block and stucco construction; Shingle roof; Block foundation; Built on one level
• Exterior features: Private mailbox; Sliding doors; Asphalt road access

Interior

• Kitchen: Dishwasher; Range; Refrigerator; Eat-in kitchen
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Cathedral ceilings; Vaulted ceilings; High ceilings; Ceiling fans; Eat-in kitchen; Living room/dining room combo; Split bedroom layout
• Laundry & utility: Laundry area in garage; Irrigation equipment

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $199k.

Deal economics

• At list price, monthly cash flow is $26 ($312/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 $184k (7.7% below list).
• Recommended offer: $175k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 74/100 on livability (#291 in FL, #4,898 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: employment C-, amenities F, commute F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Elbert Elementary School (math 35% / reading 37%, grade F, #1,670 of 2,144 statewide, top 78%, 601 students, 62% FRL); Denison Middle School (math 24% / reading 25%, grade F, #522 of 571 statewide, top 93%, 738 students, 69% FRL); Winter Haven Senior High School (math 26% / reading 38%, grade F, #415 of 667 statewide, top 63%, 2,467 students, 50% FRL) — zoned schools at 60% FRL track the district average.
• Market conditions: Rents rising (+1.9%/yr); 689 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 31% 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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 304 days — a 12% lower offer ($175k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y ago; this cycle's ask has dropped $71k (26%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $162k; 23% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $175,120 (12.0% below list)

Questions for the listing agent

1. It's been on market 304 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.92% ✗
• Cap rate: 6.45%
• Cash-on-cash: 0.56%
• DSCR: 1.02
• GRM: 9.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.9% rent growth · sell at horizon

5-year hold

• IRR: -16.7%
• Equity multiple: 0.42×
• Total profit: $-32,542
• Equity at exit: $29,672

10-year hold

• IRR: -10.6%
• Equity multiple: 0.39×
• Total profit: $-34,037
• Equity at exit: $17,206

Cash invested: $55,720 (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 33884

• Home prices YoY: -34.1%
• Rents YoY: 1.9%
• Active inventory: 689
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,837 high
• Mortgage (P&I): −$1,044
• Tax from tax record: −$174 /mo · $2,086/yr
• Insurance: −$83
• HOA: −$125
• Vacancy / Maint / Mgmt: −$386
• Net cashflow: $26

Break-even live

Break-even rent $1,804

Max offer price $199,000

Occupancy floor 94%

Sensitivity live

Price	-10% $139	-5% $82	+0% $26	+5% $-30	+10% $-87
Rent	-10% $-119	-5% $-47	+0% $26	+5% $99	+10% $171
Rate	-1.0pp $126	-0.5pp $77	base $26	+0.5pp $-26	+1.0pp $-78

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: $49,750
• Closing costs: $5,970
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
36 Enclave Dr Winter Haven, FL	3.0	2.0	1532	$1,990	$1.30	25d	1	0.39mi
1202 Eagle Pond Dr Unit 1202 Winter Haven, FL	2.0	2.0	1017	$1,450	$1.43	16d	1	0.48mi
1707 Eagle Pond Dr Unit 1707 Winter Haven, FL	2.0	2.0	1017	$1,450	$1.43	25d	1	0.48mi
508 Eagle Pond Dr #508 Winter Haven, FL	2.0	2.0	1017	$1,500	$1.47	25d	1	0.49mi
1101 Eagle Pond Dr #1101 Winter Haven, FL	2.0	2.0	1017	$1,400	$1.38	25d	1	0.50mi
612 Turnberry Ct Winter Haven, FL	3.0	2.0	1578	$1,695	$1.07	25d	1	0.77mi
2065 Whispering Trails Blvd Winter Haven, FL	3.0	2.0	1432	$2,000	$1.40	16d	1	1.11mi
728 Lake Ned Rd Winter Haven, FL	3.0	2.0	1664	$2,000	$1.20	25d	1	1.24mi
1019 Mockingbird Cir Winter Haven, FL	3.0	2.0	1662	$1,650	$0.99	16d	1	1.34mi
2845 Whispering Trails Dr Winter Haven, FL	3.0	2.0	1553	$1,800	$1.16	25d	1	1.42mi
133 Lameraux Rd Winter Haven, FL	4.0	2.0	1696	$2,550	$1.50	25d	1	1.43mi
702 Lemon Ave Dundee, FL	3.0	2.0	1198	$1,800	$1.50	16d	1	1.44mi
217 Betty Ave S Dundee, FL	3.0	2.0	1150	$1,650	$1.43	25d	1	1.48mi

HOA detail

• Monthly dues: $125 · $1,500/yr
• Likely covers: poolsecurity

Listing history 33 events

1. 2026-06-22
   statusdays on market $199,000 Pending 304 DOM
2. 2026-06-18
   days on market $199,000 Active 302 DOM
3. 2026-06-17
   days on market $199,000 Active 301 DOM
4. 2026-06-16
   days on market $199,000 Active 300 DOM
5. 2026-06-15
   days on market $199,000 Active 299 DOM
6. 2026-06-13
   days on market $199,000 Active 297 DOM
7. 2026-06-10
   days on market $199,000 Active 294 DOM
8. 2026-06-09
   days on market $199,000 Active 293 DOM
9. 2026-06-08
   days on market $199,000 Active 292 DOM
10. 2026-06-07
    days on market $199,000 Active 291 DOM
11. 2026-06-05
    days on market $199,000 Active 288 DOM
12. 2026-06-03
    days on market $199,000 Active 286 DOM
13. 2026-06-01
    days on market $199,000 Active 285 DOM
14. 2026-05-31
    days on market $199,000 Active 284 DOM
15. 2026-05-11
    price $199,000
16. 2026-03-27
    price $235,000
17. 2026-02-27
    price $240,000
18. 2026-01-06
    price $249,000
19. 2025-11-14
    price $255,000
20. 2025-10-03
    price $260,000
21. 2025-09-17
    price $265,000
22. 2025-08-20
    listed $269,900 Active
23. 2020-06-04
    soldstatus $162,000
24. 2020-06-01
    soldstatus $162,000 Sold 492-char remark

    Show marketing remark (492 chars)

    ENJOY GOLF COURSE VIEWS FROM THIS DESIRABLE 2 BEDROOM 2 BATH FURNISHED PATIO HOME FEATURING CATHEDRAL CEILINGS, AN EAT-IN KITCHEN, SPLIT BEDROOMS AND AN ENCLOSED FLORIDA ROOM!! Located in Cypresswood Golf and Country Club featuring golf, tennis, a private pool, exercise facility, a restaurant, a clubhouse, excellent walking or bicycling opportunities plus 24-HR Gated & manned security. This is a stunning place to call home in one of Winter Haven's most established neighborhoods!!!

25. 2020-05-01
    status Pending 492-char remark

    Show marketing remark (492 chars)

    ENJOY GOLF COURSE VIEWS FROM THIS DESIRABLE 2 BEDROOM 2 BATH FURNISHED PATIO HOME FEATURING CATHEDRAL CEILINGS, AN EAT-IN KITCHEN, SPLIT BEDROOMS AND AN ENCLOSED FLORIDA ROOM!! Located in Cypresswood Golf and Country Club featuring golf, tennis, a private pool, exercise facility, a restaurant, a clubhouse, excellent walking or bicycling opportunities plus 24-HR Gated & manned security. This is a stunning place to call home in one of Winter Haven's most established neighborhoods!!!

26. 2020-04-15
    listed $169,900 Active 492-char remark

    Show marketing remark (492 chars)

    ENJOY GOLF COURSE VIEWS FROM THIS DESIRABLE 2 BEDROOM 2 BATH FURNISHED PATIO HOME FEATURING CATHEDRAL CEILINGS, AN EAT-IN KITCHEN, SPLIT BEDROOMS AND AN ENCLOSED FLORIDA ROOM!! Located in Cypresswood Golf and Country Club featuring golf, tennis, a private pool, exercise facility, a restaurant, a clubhouse, excellent walking or bicycling opportunities plus 24-HR Gated & manned security. This is a stunning place to call home in one of Winter Haven's most established neighborhoods!!!

27. 2015-05-04
    historical
28. 2014-09-18
    listed $145,000 Active
29. 2006-03-21
    soldstatus $205,000
30. 2003-04-09
    soldstatus $115,000
31. 1998-01-28
    soldstatus $100,000
32. 1996-12-30
    soldstatus $105,000
33. 1988-10-01
    soldstatus $97,300

ⓘ 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: $2,086 · $174/mo
• Projected year-2 tax: $2,086 · $174/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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,046
• − Mortgage interest: −$11,147
• − Property taxes: −$2,086
• − Insurance: −$995
• − Repairs & maintenance: −$1,764
• − Management: −$1,764
• − HOA: −$1,500
• − Depreciation: −$5,789
• Taxable loss: −$2,999
• Est. tax savings @ 24.0%: +$720
• After-tax cash flow: $1,032/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: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Winter Haven

• Score: 74/100
• State rank: #291
• US rank: #4898

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Polk County · 740,051 people
• City population: 121,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 37,561
• Household income: $70,443
• Rent vs Own: 25.7% rent · 74.3% own
• Severe rent burden: 949.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 7% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 10% Cuban 2%
• Common ancestry: Romanian 2% Lithuanian 2% Hispanic 2%
• Foreign-born: 7% · Canada, Jamaica
• Languages at home: 84% English-only · Spanish 12% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -134.69%
• Current HPI: 260.1421
• Rent YoY: ▲ 1.90%
• Metro: Lakeland-Winter Haven, 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

+104.5% since first listed

19 events — show timeline

• 2026-05-11 Price Changed $199,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-27 Price Changed $235,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-27 Price Changed $240,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-06 Price Changed $249,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-14 Price Changed $255,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-03 Price Changed $260,000 Stellar MLS as Distributed by MLS Grid
• 2025-09-17 Price Changed $265,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-20 Listed $269,900 Stellar MLS as Distributed by MLS Grid
• 2020-06-04 Sold (Public Records) $162,000 Public Records
• 2020-06-01 Sold (MLS) $162,000 Stellar MLS as Distributed by MLS Grid
• 2020-05-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-04-15 Listed $169,900 Stellar MLS as Distributed by MLS Grid
• 2015-05-04 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-09-18 Listed $145,000 Stellar MLS as Distributed by MLS Grid
• 2006-03-21 Sold (Public Records) $205,000 Public Records
• 2003-04-09 Sold (Public Records) $115,000 Public Records
• 1998-01-28 Sold (Public Records) $100,000 Public Records
• 1996-12-30 Sold (Public Records) $105,000 Public Records
• 1988-10-01 Sold (Public Records) $97,300 Public Records

Property tax history

+9.8%/yr

Latest (2025): $2,086 · +8.8% YoY. Source: county tax records.