2219 Sageland Way · Bartow, FL 33830

$325,990

4 bd · 2.0 ba · 1,840 sqft · Land · 26 Days on market

Built 2026 6,000 sqft lot $16/mo HOA · 1% 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 +10.2/30.0
• ARV discount +7.5/15.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +3.2/5.0
• DSCR +2.9/10.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Brand new, energy-efficient home available NOW! The Foxglove floorplan showcases a spacious open-concept layout with 4 bedrooms, 2 bathrooms, and a 2-car garage. The open kitchen overlooks a generous great room and dining area, making it ideal for both everyday living and entertaining. The Grove at Stuart Crossing Classic Series offers single-family homes with open-concept floorplans in Bartow, FL. Convenient to several major highways, this community is ideal for those who commute to Lakeland, Tampa and Orlando. Residents will enjoy amazing amenities that include a resort-style pool, clubhouse, fitness center, pickleball courts, playground, dog park, trails and more. Each of our homes is bu

Key facts

• 6,000 sq ft lot
• 2 garage spots
• Community pool

Property features AI

Finance

• Other: Home warranty provided; Unfurnished
• Financial info: CDD present; Other annual assessment amount $2,850
• HOA & community: HOA managed by Home River Group; Monthly HOA fee of $16.67; Association amenities include clubhouse, fitness center, pool, playground, basketball court, pickleball courts, and trails; Deed restrictions; Pets allowed

Exterior

• Parking: Attached 2-car garage with 19x19 dimensions and garage door opener
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer; Underground utilities
• Home design: Single family residence; One story; Southeast facing; Completed property
• Construction: Block construction; Shingle roof; Slab foundation; New construction; Built by Meritage Homes (Foxglove model)
• Exterior features: Patio; Sidewalk; Public maintained asphalt road

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Exhaust fan; Electric water heater
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Open floorplan; Smoke detectors
• Laundry & utility: Washer; Dryer; Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $326k.

Deal economics

• At list price, monthly cash flow is $-182 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $294k (9.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $251k (23.1% below list).
• Recommended offer: $251k (23.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#526 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, crime D-, 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.
• Zoned schools: Spessard L Holland Elementary (math 47% / reading 49%, grade D, #1,171 of 2,144 statewide, top 55%, 766 students, 52% FRL); Bartow Middle School (math 33% / reading 36%, grade F, #421 of 571 statewide, top 74%, 1,046 students, 63% FRL); Bartow Senior High School (math 26% / reading 46%, grade F, #359 of 667 statewide, top 55%, 2,125 students, 44% FRL).
• Market conditions: Rents rising (+2.7%/yr); 392 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• At $2,507/mo this rent would consume 47% of the median local household income ($64k/yr) (locally 681% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k 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 26 days — a 2% lower offer ($321k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $250,730 (23.1% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 0.77% ✗
• Cap rate: 5.62%
• Cash-on-cash: -2.40%
• DSCR: 0.89
• GRM: 10.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.72% rent growth · sell at horizon

5-year hold

• IRR: -20.6%
• Equity multiple: 0.29×
• Total profit: $-65,163
• Equity at exit: $48,606

10-year hold

• IRR: -14.4%
• Equity multiple: 0.18×
• Total profit: $-74,646
• Equity at exit: $28,186

Cash invested: $91,277 (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 33830

• Home prices YoY: -19.8%
• Rents YoY: 2.7%
• Active inventory: 392
• Price-to-rent: 10.8×

Monthly cashflow live

• Estimated rent: $2,507 medium
• Mortgage (P&I): −$1,710
• Tax from tax record: −$302 /mo · $3,622/yr
• Insurance: −$136
• HOA: −$16
• Vacancy / Maint / Mgmt: −$527
• Net cashflow: $-182

Break-even live

Break-even rent $2,738

Max offer price $293,769

Occupancy floor —

Sensitivity live

Price	-10% $2	-5% $-90	+0% $-182	+5% $-275	+10% $-367
Rent	-10% $-380	-5% $-281	+0% $-182	+5% $-83	+10% $16
Rate	-1.0pp $-18	-0.5pp $-99	base $-182	+0.5pp $-267	+1.0pp $-353

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: $81,498
• Closing costs: $9,780
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1025 Retreat Dr Bartow, FL	1.0–3.0	1.0–2.0	1494	$2,100	$1.41	5d	6	0.31mi
1586 Caroline Ct Bartow, FL	3.0	2.0	1388	$1,885	$1.36	15d	1	1.49mi

HOA detail

• Monthly dues: $16 · $192/yr
• Likely covers: poolgym

Listing history 5 events

1. 2026-05-14
   status Pending
2. 2026-04-24
   status Active
3. 2026-04-14
   status Pending
4. 2026-04-09
   price $325,990
5. 2026-04-08
   listed $325,020 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: $3,622 · $302/mo
• Projected year-2 tax: $3,622 · $302/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $30,088
• − Mortgage interest: −$18,261
• − Property taxes: −$3,622
• − Insurance: −$1,630
• − Repairs & maintenance: −$2,407
• − Management: −$2,407
• − HOA: −$192
• − Depreciation: −$9,483
• Taxable loss: −$7,914
• Est. tax savings @ 24.0%: +$1,899
• After-tax cash flow: $-289/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 — Bartow

• Score: 68/100
• State rank: #526
• US rank: #9835

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bartow, FL
• County: Polk County · 740,051 people
• City population: 33,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 33,740
• Household income: $63,918
• Rent vs Own: 31.1% rent · 68.9% own
• Severe rent burden: 681.0

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 0.62)
• Race & ethnicity: White 55% Hispanic / Latino 22% Black 18% Two or more races 13% Asian 2%
• Hispanic origin (detail): Mexican 13% Puerto Rican 5%
• Common ancestry: Italian 3% Slovak 1% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1% Other Asian/Pacific 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: ▼ -82.47%
• Current HPI: 333.3392
• Rent YoY: ▲ 2.72%
• 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

+0.3% since first listed

5 events — show timeline

• 2026-05-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-24 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-09 Price Changed $325,990 Stellar MLS as Distributed by MLS Grid
• 2026-04-08 Listed $325,020 Stellar MLS as Distributed by MLS Grid