127 Springwood Cir Unit A · Longwood, FL 32750

$100,000

1 bd · 1.0 ba · 666 sqft · Condo public records · 480 Days on market

Built 1973 $370/mo HOA · 27% of rent

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Why this score? — see what drove the C- 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 +15.2/30.0
• 1% rule +8.5/10.0
• ARV discount +7.5/15.0
• Schools +5.1/10.0
• DSCR +4.7/10.0
• Livability +4.0/5.0
• Rent growth +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

One or more photo(s) has been virtually staged. Discover the perfect downstairs one bedroom, one bath condo conveniently located in Longwood, Florida. Just a short stroll from your favorite dining spots like Starbucks, Bonefish Grill, Pickles Authentic, Chianti's Pizza and near Longwood Farmers Market and quick access to Altamonte Mall, Uptown Altamonte, hospital, beaches, attractions and I-4. This charming condo with new AC 5/25 & a new electric panel 10/25, new water heater 11/25 & offers a spacious living room, dining area, kitchen with refrigerator, dishwasher, range, a back splash & pantry. The large master bedroom has a large walk-in closet. The building sits on the

Key facts

• Two sparkling pools
• Newer roof
• Lots of parking

Tags

• DOWNSTAIRS ONE BEDROOM
• SPACIOUS LIVING ROOM
• KITCHEN WITH REFRIGERATOR
• NEWER ROOF
• LOTS OF PARKING
• TWO SPARKLING POOLS

Property features AI

Finance

• Other: Deed restrictions and special community restrictions
• Financial info: Total annual fees: $4,440; Monthly condo fee amount: $370; Lease restrictions apply
• HOA & community: Monthly condo/association fee: $370; Association name: Edith Capellan; Association fee includes: common area taxes, pool, escrow reserves, insurance, structure and grounds maintenance, management, pest control, recreational facilities, sewer, trash, and water; Association amenities: clubhouse, fitness center, pool, tennis courts, basketball court, laundry, maintenance, security, sidewalks, street lights, community mailbox; Association approval required; On-site property manager; Pets allowed with restrictions (cats and dogs, number and size limits; max pet weight 20 lbs; breed restrictions)

Exterior

• Parking: Plenty of guest parking
• Security: Community security (per association amenities)
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected; Underground utilities
• Home design: Condominium (attached); One story; Faces east; Entry level: 1st floor
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built as part of Building A
• Exterior features: Sidewalk; Patio/porch: none; Landscaped lot; Level lot; Near public transit; Paved surfaces

Interior

• Kitchen: Dishwasher; Range; Range hood; Refrigerator; Electric water heater
• Bedrooms: 1 bedroom
• Flooring: Ceramic tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Walk-in closet(s); Window treatments; Blinds
• Laundry & utility: No laundry in unit

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath condo listed at $100k.

Deal economics

• At list price, monthly cash flow is $35 ($418/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.7% vs local median 4.0% in Longwood — 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 81/100 on livability (#92 in FL, #1,438 nationally) — a professional / high-income tenant draw. Strengths: housing A+, health & safety A+, cost of living B+; Watch: amenities F.
• Seminole (suburban): math 57% / reading 61% proficiency, ranked #13 of 73 in FL (top 18%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Altamonte Elementary School (math 46% / reading 51%, grade D, #1,152 of 2,144 statewide, top 55%, 589 students, 78% FRL); Lyman High School (math 36% / reading 50%, grade F, #255 of 667 statewide, top 39%, 2,084 students, 53% FRL) — zoned schools average 66% FRL vs 38% district-wide (27 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 46% at this address vs 59% district-wide (-13 pts) — the specific schools serving this property underperform the Seminole average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+3.9%/yr); 149 active listings in the ZIP; 2 comparable units currently listed for rent nearby; solid renter incomes; 1,979 units permitted in Seminole County in 2024 (1,191 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Seminole County population projected at +24% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 480 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask has dropped $40k (28%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $31k; list at $100k implies a 218% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 27% of rent.
• 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 $88,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 480 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.35% ✓
• Cap rate: 6.71%
• Cash-on-cash: 1.49%
• DSCR: 1.07
• GRM: 6.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.89% rent growth · sell at horizon

5-year hold

• IRR: -12.2%
• Equity multiple: 0.55×
• Total profit: $-12,531
• Equity at exit: $14,910

10-year hold

• IRR: -1.0%
• Equity multiple: 0.93×
• Total profit: $-2,000
• Equity at exit: $8,646

Cash invested: $28,000 (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 →

ZIP-level market 32750

• Rents YoY: 3.9%
• Active inventory: 149
• Price-to-rent: 6.2×

Monthly cashflow live

• Estimated rent: $1,354 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$99 /mo · $1,189/yr
• Insurance: −$42
• HOA: −$370
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $35

Break-even live

Break-even rent $1,310

Max offer price $100,000

Occupancy floor 92%

Sensitivity live

Price	-10% $91	-5% $63	+0% $35	+5% $7	+10% $-22
Rent	-10% $-72	-5% $-19	+0% $35	+5% $88	+10% $142
Rate	-1.0pp $85	-0.5pp $60	base $35	+0.5pp $9	+1.0pp $-17

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: $25,000
• Closing costs: $3,000
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
127 Springwood Cir Unit F Longwood, FL	1.0	1.0	666	$1,200	$1.80	24d	1	0.04mi
137 Springwood Cir Unit D Longwood, FL	1.0	1.0	666	$1,100	$1.65	11d	1	0.09mi

HOA detail condo

• Monthly dues: $370 · $4,440/yr
• Likely covers: waterelectric
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 24 events

1. 2026-06-18
   days on market $100,000 Active 480 DOM
2. 2026-06-17
   days on market $100,000 Active 479 DOM
3. 2026-06-16
   days on market $100,000 Active 478 DOM
4. 2026-06-15
   days on market $100,000 Active 477 DOM
5. 2026-06-13
   days on market $100,000 Active 475 DOM
6. 2026-06-09
   days on market $100,000 Active 471 DOM
7. 2026-06-08
   days on market $100,000 Active 470 DOM
8. 2026-06-07
   days on market $100,000 Active 469 DOM
9. 2026-06-04
   days on market $100,000 Active 466 DOM
10. 2026-06-03
    days on market $100,000 Active 465 DOM
11. 2026-06-02
    days on market $100,000 Active 464 DOM
12. 2026-06-02
    days on market $100,000 Active 463 DOM
13. 2026-05-31
    days on market $100,000 Active 462 DOM
14. 2026-03-19
    price $111,900
15. 2026-02-14
    price $114,900
16. 2025-08-26
    status Active
17. 2025-07-19
    status Active
18. 2025-07-18
    historical
19. 2025-07-18
    historical
20. 2025-07-05
    price $124,500
21. 2025-03-24
    price $129,500
22. 2025-02-28
    price $134,900
23. 2025-01-15
    listed $139,500 Active
24. 1982-11-01
    soldstatus $31,400

ⓘ 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: $1,189 · $99/mo
• Projected year-2 tax: $1,189 · $99/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 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,254
• − Mortgage interest: −$5,602
• − Property taxes: −$1,189
• − Insurance: −$500
• − Repairs & maintenance: −$1,300
• − Management: −$1,300
• − HOA: −$4,440
• − Depreciation: −$2,909
• Taxable loss: −$987
• Est. tax savings @ 24.0%: +$237
• After-tax cash flow: $655/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: Seminole
• NCES district ID: 1201710
• Math proficiency: 57% ▼ -7.00%
• Reading proficiency: 61% ▼ -1.00%
• Median HH income: $58,478
• Composite: 51.05/100
• National rank: #1769
• State rank: #13 of 73 in FL

Livability — Longwood

• Score: 81/100
• State rank: #92
• US rank: #1438

Category grades

Amenities F Commute C+ Cost of living B+ 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: Seminole County · 436,154 people
• City population: 55,088
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 26,164
• Household income: $86,125
• Rent vs Own: 25.4% rent · 74.6% own
• Severe rent burden: 774.0

Population outlook (Seminole County) Hauer SSP2

• Today (2025): 515,494 people
• By 2030: 545,713 · +5.9%
• By 2040: 598,068 · +16.0%
• By 2050: 640,663 · +24.3%
• By 2075: 724,461 · +40.5%
• By 2100: 755,530 · +46.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 22% Two or more races 17% Black 5% Asian 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 9% Cuban 3%
• Common ancestry: Romanian 2% Slovak 2% Lithuanian 2%
• Foreign-born: 12% · Canada, Jamaica, China
• Languages at home: 81% English-only · Spanish 13% Russian/Polish/Slavic 1% Other Indo-European 1%

Political lean MEDSL · Seminole

• 2024 margin: Toss-up / Even · D 47.6% · R 51.1% · Other 1.3%
• 2008→2024 swing: -0.8pp no change · 2008: -2.8pp · 2024: -3.5pp
• All cycles: 2024: R+3.5 2020: D+2.8 2016: R+1.6 2012: R+6.5 2008: R+2.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -250.13%
• Current HPI: 335.7221
• Rent YoY: ▲ 3.89%
• Metro: Orlando-Kissimmee-Sanford, 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

+256.4% since first listed

11 events — show timeline

• 2026-03-19 Price Changed $111,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-14 Price Changed $114,900 Stellar MLS as Distributed by MLS Grid
• 2025-08-26 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-07-19 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-07-18 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-07-18 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-07-05 Price Changed $124,500 Stellar MLS as Distributed by MLS Grid
• 2025-03-24 Price Changed $129,500 Stellar MLS as Distributed by MLS Grid
• 2025-02-28 Price Changed $134,900 Stellar MLS as Distributed by MLS Grid
• 2025-01-15 Listed $139,500 Stellar MLS as Distributed by MLS Grid
• 1982-11-01 Sold (Public Records) $31,400 Public Records

Property tax history

+11.4%/yr

Latest (2025): $1,189 · +7.6% YoY. Source: county tax records.