732 7th St NE · Winter Haven, FL 33881

$79,900

3 bd · 2.0 ba · 1,528 sqft · SingleFamily public records · 2 Days on market

Built 1925 9,435 sqft lot

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Why this score? — see what drove the B 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• 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

Estate-owned property being sold AS-IS for investor value. Seller inherited the home and has never occupied the property. Property requires significant renovation and is cash offers only; may not qualify for traditional financing. Seller will make no repairs or concessions. Buyer to perform all inspections and due diligence prior to closing.

Key facts

• 9,435 sq ft lot
• 2 parking spots
• Pool

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $80k).

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: schools C-, employment C-, amenities 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.
• Market conditions: Rents rising (+2.1%/yr); 491 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals at typical pace (median 15d 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 41% of the median local income ($57k/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 $552 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 2.1% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Watch-outs: built in 1925 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $79,900

Questions for the listing agent

1. Built in 1925 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 2.43% ✓
• Cap rate: 21.98%
• Cash-on-cash: 56.02%
• DSCR: 3.49
• GRM: 3.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.1% rent growth · sell at horizon

5-year hold

• IRR: 53.4%
• Equity multiple: 3.32×
• Total profit: $51,815
• Equity at exit: $11,913

10-year hold

• IRR: 58.2%
• Equity multiple: 6.53×
• Total profit: $123,711
• Equity at exit: $6,908

Cash invested: $22,372 (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 33881

• Home prices YoY: -24.3%
• Rents YoY: 2.1%
• Active inventory: 491
• Price-to-rent: 3.4×

Monthly cashflow live

• Estimated rent: $1,938 high
• Mortgage (P&I): −$419
• Tax from tax record: −$35 /mo · $417/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$407
• Net cashflow: $1,044

Break-even live

Break-even rent $617

Max offer price $79,900

Occupancy floor 41%

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1200 6th St NE Winter Haven, FL	3.0	2.0	1224	$1,585	$1.29	14d	1	0.33mi
1331 11th St NE Winter Haven, FL	3.0	2.0	1200	$2,190	$1.82	23d	1	0.54mi
251 Krenson Bay Loop Winter Haven, FL	4.0	2.0	1846	$2,250	$1.22	23d	1	0.59mi
407 Avenue A SE Winter Haven, FL	3.0	2.0	1124	$1,700	$1.51	23d	1	0.71mi
1550 11th St NE Unit G3 Winter Haven, FL	2.0	2.0	1148	$1,325	$1.15	14d	1	0.74mi
207 S Lake Silver Dr NW Winter Haven, FL	2.0	2.0	1116	$1,399	$1.25	23d	1	0.82mi
904 15th St NE Unit 1520445P Winter Haven, FL	4.0	3.0	1732	$4,909	$2.83	2d	1	0.84mi
332 Avenue D SE Winter Haven, FL	2.0	2.0	1090	$1,800	$1.65	3d	1	0.97mi
2007 9th St NE Winter Haven, FL	3.0	2.0	1242	$1,750	$1.41	23d	1	0.98mi
1581 Lemon Ave Winter Haven, FL	3.0	2.0	1824	$2,176	$1.19	21d	1	1.00mi
2429 Twin Lake View Rd Winter Haven, FL	4.0	2.0	1858	$2,350	$1.26	14d	1	1.03mi
240 2nd St SW #201 Winter Haven, FL	2.0	2.0	1241	$1,725	$1.39	23d	1	1.04mi
1705 3rd St NW Unit A Winter Haven, FL	3.0	2.0	1472	$1,650	$1.12	23d	1	1.04mi
1314 Evergreen Ct Winter Haven, FL	3.0	2.5	1625	$1,890	$1.16	3d	1	1.04mi
1314 Evergreen Ct Winter Haven, FL	3.0	2.5	1625	$1,940	$1.19	14d	1	1.04mi
1225 Evergreen Ct Winter Haven, FL	3.0	2.5	1625	$1,890	$1.16	3d	1	1.06mi
1225 Evergreen Ct Winter Haven, FL	3.0	2.5	1625	$1,940	$1.19	14d	1	1.06mi
1830 2nd St NW Winter Haven, FL	3.0	1.0	1075	$1,600	$1.49	23d	1	1.11mi
601 2nd St SE Winter Haven, FL	3.0	1.0	1072	$1,195	$1.11	3d	1	1.12mi
200 Avenue C SW Winter Haven, FL	1.0–2.0	1.0–2.0	851	$1,950	$2.29	3d	12	1.12mi
850 17th Ter NE Winter Haven, FL	2.0	1.0	1206	$1,520	$1.26	3d	1	1.15mi
265 East St Winter Haven, FL	2.0	1.0–2.0	757	$2,250	$2.97	2d	41	1.24mi
700 Mirror Ter NW #705 Winter Haven, FL	2.0	2.0	1190	$1,500	$1.26	3d	1	1.25mi
4137 Roberta Dr Winter Haven, FL	3.0	2.0	1650	$1,875	$1.14	19d	1	1.31mi
4117 Sophia Blvd Winter Haven, FL	4.0	2.0	1748	$1,999	$1.14	3d	1	1.35mi
1500 Grey Eagle Ln Winter Haven, FL	4.0	2.0	1846	$2,050	$1.11	14d	1	1.37mi
300 Royal Palm Way Winter Haven, FL	4.0	2.0	1791	$2,300	$1.28	23d	1	1.38mi
701 Bates Ave SW Unit 102 Winter Haven, FL	3.0	2.0	1100	$1,700	$1.55	23d	1	1.38mi
701 Bates Ave SW Unit 203 Winter Haven, FL	3.0	2.0	1100	$1,700	$1.55	2d	1	1.38mi
2418 Mary Jewett Cir NE Winter Haven, FL	4.0	2.0	1287	$1,650	$1.28	3d	1	1.38mi
2144 Rose Blvd Winter Haven, FL	3.0	2.0	1857	$1,850	$1.00	3d	1	1.41mi
217 Newcastle Ct Winter Haven, FL	4.0	2.0	1790	$2,375	$1.33	23d	1	1.42mi
330 Royal Palm Way Winter Haven, FL	4.0	2.0	1790	$2,400	$1.34	23d	1	1.43mi
2451 Mary Jewett Cir NE Winter Haven, FL	3.0	2.0	1870	$2,400	$1.28	23d	1	1.43mi
760 Avenue C SW Unit 104 Winter Haven, FL	3.0	3.0	1523	$1,750	$1.15	23d	1	1.47mi
200 Avenue K SE Winter Haven, FL	1.0–3.0	1.0–2.0	1095	$1,735	$1.58	2d	45	1.48mi

Listing history 2 events

1. 2026-02-11
   status Pending
2. 2026-02-08
   listed $79,900 Active

ⓘ 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: $417 · $35/mo
• Projected year-2 tax: $663 · $55/mo
• Expected delta: +$246/yr (+$21/mo · 59.1%)

ⓘ 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 8/10 Severe 6 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,261
• − Mortgage interest: −$4,476
• − Property taxes: −$417
• − Insurance: −$400
• − Repairs & maintenance: −$1,861
• − Management: −$1,861
• − Depreciation: −$2,324
• Taxable income: $11,923
• Est. tax owed @ 24.0%: −$2,861
• After-tax cash flow: $9,670/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

• Census place: Winter Haven, FL
• County: Polk County · 740,051 people
• City population: 121,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 40,808
• Household income: $57,024
• Rent vs Own: 28.2% rent · 71.8% own
• Severe rent burden: 1270.0

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 0.68)
• Race & ethnicity: White 44% Black 27% Hispanic / Latino 25% Two or more races 15%
• Hispanic origin (detail): Mexican 4% Puerto Rican 12% Cuban 1%
• Common ancestry: Hispanic 5% Slovak 1% Italian 1%
• Foreign-born: 15% · Canada, Jamaica
• Languages at home: 73% English-only · Spanish 20% French/Haitian/Cajun 6%

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: ▼ -88.95%
• Current HPI: 277.0597
• Rent YoY: ▲ 2.10%
• 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

2 events — show timeline

• 2026-02-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-08 Listed $79,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+0.5%/yr

Latest (2025): $417 · +1.9% YoY. Source: county tax records.