1830 E Georgia St · Bartow, FL 33830

$124,000

3 bd · 1.0 ba · 1,292 sqft · SingleFamily public records · 75 Days on market

Built 1950 8,782 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
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

(INVESTMENT PROPERTY) This home has a great rental history. Home has had a new A/C, new roof, new water heater, appliances recently replaced, new front windows, new paint and new carpet! Kitchen has also been updated with new cabinets and counter-tops. You know all that money you have to spend to get a property ready for a renter? Use it for something else, because this property is ready to make you money!

Key facts

• Separate dining room
• Spacious kitchen
• Florida room

Tags

• SPACIOUS KITCHEN
• CLOSET PANTRY
• SEPARATE DINING ROOM
• BUILT-IN CORNER SHELVES
• COZY FIREPLACE
• FLORIDA ROOM

Property features AI

Finance

• Other: Zoned R-1
• Financial info: No lease restrictions indicated
• HOA & community: No association fees

Exterior

• Parking: Covered parking; Carport (1 space)
• Utilities: Public water; Public sewer; Cable available; Public utilities
• Home design: Single family residence; One story; Faces south
• Construction: Frame construction; Shingle roof; Slab foundation; Built as residential property
• Exterior features: Mature landscaping; Asphalt road access

Interior

• Kitchen: Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Wood
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Wood-burning fireplace; No additional interior features listed
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $124k.

Deal economics

• At list price, monthly cash flow is $548 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $124k).
• Recommended offer: $117k (6.0% below list) — sets the bar for market timing.

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.
• Market conditions: Rents rising (+2.7%/yr); 386 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 24d 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 35% of the median local income ($64k/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 $857 of loan paydown is wiped out by about $4k 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 + 2.7% rent growth), your $35k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 75 days — a 6% lower offer ($117k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 11y ago; this cycle's ask has dropped $65k (34%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $57k; list at $124k implies a 118% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $116,560 (6.0% below list)

Questions for the listing agent

1. It's been on market 75 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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?
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: 1.52% ✓
• Cap rate: 11.60%
• Cash-on-cash: 18.94%
• DSCR: 1.84
• GRM: 5.5

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: 10.5%
• Equity multiple: 1.41×
• Total profit: $14,354
• Equity at exit: $18,489

10-year hold

• IRR: 19.4%
• Equity multiple: 2.60×
• Total profit: $55,598
• Equity at exit: $10,721

Cash invested: $34,720 (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 33830

• Home prices YoY: -19.8%
• Rents YoY: 2.7%
• Active inventory: 386
• Price-to-rent: 5.5×

Monthly cashflow live

• Estimated rent: $1,881 high
• Mortgage (P&I): −$650
• Tax from tax record: −$236 /mo · $2,838/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$395
• Net cashflow: $548

Break-even live

Break-even rent $1,188

Max offer price $124,000

Occupancy floor 66%

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: $31,000
• Closing costs: $3,720
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1999 Marshall St Unit 2 Bartow, FL	3.0	2.0	1281	$1,800	$1.41	23d	1	0.36mi
2025 Dunbar St Unit 2025 Bartow, FL	3.0	2.0	1333	$1,700	$1.28	23d	1	0.48mi
1705 Davis Ave Bartow, FL	3.0	2.0	1828	$2,500	$1.37	23d	1	0.48mi
1850 Martin Luther King Junior Blvd Bartow, FL	3.0	2.0	1174	$1,795	$1.53	14d	1	0.59mi
2060 Martin Luther King Jr Blvd Bartow, FL	2.0	1.0	1120	$1,200	$1.07	23d	1	0.60mi
990 E Bay St Bartow, FL	3.0	2.0	1188	$1,295	$1.09	10d	1	0.70mi
855 E Vine St Unit A Bartow, FL	3.0	2.0	1040	$1,850	$1.78	23d	1	0.79mi
1060 E Wabash St Bartow, FL	3.0	2.0	1758	$1,650	$0.94	23d	1	0.85mi
740 E Pearl St Unit C Bartow, FL	2.0	1.0	900	$1,360	$1.51	23d	1	0.91mi
740 E Pearl St Apt E Bartow, FL	2.0	1.5	1000	$1,470	$1.47	23d	1	0.92mi
2255 E Helen Cir Bartow, FL	4.0	2.0	1515	$2,695	$1.78	21d	1	0.97mi
1465 E Boulevard St Bartow, FL	3.0	1.0	1000	$1,295	$1.29	23d	1	1.14mi
1070 E Church St Unit A Bartow, FL	4.0	2.5	1362	$1,850	$1.36	14d	1	1.20mi
1070 E Church St Bartow, FL	4.0	2.5	1384	$1,900	$1.37	14d	1	1.20mi
820 S Floral Ave Bartow, FL	2.0	1.5	1112	$1,200	$1.08	23d	1	1.28mi

Listing history 40 events

1. 2026-05-09
   status Pending
2. 2026-05-02
   price $124,000
3. 2026-04-27
   price $129,000
4. 2026-04-18
   price $139,000
5. 2026-04-02
   price $144,000
6. 2026-03-29
   price $147,000
7. 2026-03-29
   price $143,000
8. 2026-03-15
   price $149,000
9. 2026-03-05
   price $159,000
10. 2026-03-01
    price $169,000
11. 2026-02-23
    listed $189,000 Active
12. 2018-06-29
    soldstatus $57,000
13. 2018-06-11
    soldstatus $57,000 Sold 409-char remark

    Show marketing remark (409 chars)

    (INVESTMENT PROPERTY) This home has a great rental history. Home has had a new A/C, new roof, new water heater, appliances recently replaced, new front windows, new paint and new carpet! Kitchen has also been updated with new cabinets and counter-tops. You know all that money you have to spend to get a property ready for a renter? Use it for something else, because this property is ready to make you money!

14. 2018-06-01
    status Pending 409-char remark

    Show marketing remark (409 chars)

    (INVESTMENT PROPERTY) This home has a great rental history. Home has had a new A/C, new roof, new water heater, appliances recently replaced, new front windows, new paint and new carpet! Kitchen has also been updated with new cabinets and counter-tops. You know all that money you have to spend to get a property ready for a renter? Use it for something else, because this property is ready to make you money!

15. 2018-05-21
    price $59,900 409-char remark

    Show marketing remark (409 chars)

    (INVESTMENT PROPERTY) This home has a great rental history. Home has had a new A/C, new roof, new water heater, appliances recently replaced, new front windows, new paint and new carpet! Kitchen has also been updated with new cabinets and counter-tops. You know all that money you have to spend to get a property ready for a renter? Use it for something else, because this property is ready to make you money!

16. 2018-04-23
    price $65,000 409-char remark

    Show marketing remark (409 chars)

    (INVESTMENT PROPERTY) This home has a great rental history. Home has had a new A/C, new roof, new water heater, appliances recently replaced, new front windows, new paint and new carpet! Kitchen has also been updated with new cabinets and counter-tops. You know all that money you have to spend to get a property ready for a renter? Use it for something else, because this property is ready to make you money!

17. 2018-04-17
    status Active 409-char remark

    Show marketing remark (409 chars)

    (INVESTMENT PROPERTY) This home has a great rental history. Home has had a new A/C, new roof, new water heater, appliances recently replaced, new front windows, new paint and new carpet! Kitchen has also been updated with new cabinets and counter-tops. You know all that money you have to spend to get a property ready for a renter? Use it for something else, because this property is ready to make you money!

18. 2018-04-12
    status Pending 409-char remark

    Show marketing remark (409 chars)

    (INVESTMENT PROPERTY) This home has a great rental history. Home has had a new A/C, new roof, new water heater, appliances recently replaced, new front windows, new paint and new carpet! Kitchen has also been updated with new cabinets and counter-tops. You know all that money you have to spend to get a property ready for a renter? Use it for something else, because this property is ready to make you money!

19. 2018-04-09
    listed $68,000 Active 409-char remark

    Show marketing remark (409 chars)

    (INVESTMENT PROPERTY) This home has a great rental history. Home has had a new A/C, new roof, new water heater, appliances recently replaced, new front windows, new paint and new carpet! Kitchen has also been updated with new cabinets and counter-tops. You know all that money you have to spend to get a property ready for a renter? Use it for something else, because this property is ready to make you money!

20. 2017-11-07
    status Pending
21. 2017-11-06
    historical
22. 2017-10-20
    price $70,000
23. 2017-10-16
    status Active
24. 2017-10-09
    status Pending
25. 2017-10-04
    status Active
26. 2017-09-22
    status Pending
27. 2017-09-19
    listed $75,000 Active
28. 2016-09-01
    soldstatus $45,000 Sold
29. 2016-07-19
    status Pending
30. 2016-06-22
    price $49,700
31. 2016-06-06
    price $49,900
32. 2016-05-31
    listed $54,900 Active
33. 2015-05-29
    historical
34. 2015-05-22
    soldstatus $13,000 Sold
35. 2015-05-12
    status Pending
36. 2015-04-17
    price $12,000
37. 2015-03-16
    price $22,000
38. 2015-02-11
    price $27,000
39. 2015-01-09
    listed $33,000 Active
40. 1971-10-01
    soldstatus $9,600

ⓘ 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: $2,838 · $236/mo
• Projected year-2 tax: $2,838 · $236/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 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 25 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,577
• − Mortgage interest: −$6,946
• − Property taxes: −$2,838
• − Insurance: −$620
• − Repairs & maintenance: −$1,806
• − Management: −$1,806
• − Depreciation: −$3,607
• Taxable income: $4,954
• Est. tax owed @ 24.0%: −$1,189
• After-tax cash flow: $5,386/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

+1191.7% since first listed

40 events — show timeline

• 2026-05-09 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-02 Price Changed $124,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Price Changed $129,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-18 Price Changed $139,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-02 Price Changed $144,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-29 Price Changed $147,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-29 Price Changed $143,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-15 Price Changed $149,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-05 Price Changed $159,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-01 Price Changed $169,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-23 Listed $189,000 Stellar MLS as Distributed by MLS Grid
• 2018-06-29 Sold (Public Records) $57,000 Public Records
• 2018-06-11 Sold (MLS) $57,000 Stellar MLS as Distributed by MLS Grid
• 2018-06-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-05-21 Price Changed $59,900 Stellar MLS as Distributed by MLS Grid
• 2018-04-23 Price Changed $65,000 Stellar MLS as Distributed by MLS Grid
• 2018-04-17 Relisted — Stellar MLS as Distributed by MLS Grid
• 2018-04-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-04-09 Listed $68,000 Stellar MLS as Distributed by MLS Grid
• 2017-11-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-11-06 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2017-10-20 Price Changed $70,000 Stellar MLS as Distributed by MLS Grid
• 2017-10-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2017-10-09 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-10-04 Relisted — Stellar MLS as Distributed by MLS Grid
• 2017-09-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-09-19 Listed $75,000 Stellar MLS as Distributed by MLS Grid
• 2016-09-01 Sold (MLS) $45,000 Stellar MLS as Distributed by MLS Grid
• 2016-07-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-06-22 Price Changed $49,700 Stellar MLS as Distributed by MLS Grid
• 2016-06-06 Price Changed $49,900 Stellar MLS as Distributed by MLS Grid
• 2016-05-31 Listed $54,900 Stellar MLS as Distributed by MLS Grid
• 2015-05-29 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-05-22 Sold (MLS) $13,000 Stellar MLS as Distributed by MLS Grid
• 2015-05-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-04-17 Price Changed $12,000 Stellar MLS as Distributed by MLS Grid
• 2015-03-16 Price Changed $22,000 Stellar MLS as Distributed by MLS Grid
• 2015-02-11 Price Changed $27,000 Stellar MLS as Distributed by MLS Grid
• 2015-01-09 Listed $33,000 Stellar MLS as Distributed by MLS Grid
• 1971-10-01 Sold (Public Records) $9,600 Public Records

Property tax history

+14.2%/yr

Latest (2025): $2,838 · +7.9% YoY. Source: county tax records.