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1668 Gopher Tree St
D+ Composite 47.38
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).

  • ARV discount +10.8/15.0
  • Appreciation +10.0/10.0
  • Cash flow +7.9/30.0
  • Condition / age +4.0/5.0
  • Schools +3.8/10.0
  • Livability +3.6/5.0
  • 1% rule +2.8/10.0
  • Rent growth +2.5/5.0
  • DSCR +2.0/10.0

$332,500

1668 Gopher Tree St · Mascotte, FL 34753
5 bd · 3.0 ba · 1,944 sqft · SingleFamily public records · 76 Days on market
Built 2020 Good condition 10,531 sqft lot Garage $171/sqft · 7% below area Est $359k · 7% under $31/mo HOA · 1% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

Located at 1668 Gopher Tree St in Mascotte, this well-designed 5-bedroom, 3-bathroom home built in 2020 offers 1,944 square feet of thoughtfully designed living space. The residence features an open-concept layout that seamlessly connects the living, dining, and kitchen areas, highlighted by tile flooring throughout the main living spaces and abundant natural light from well-placed windows. The kitchen is equipped with dark wood cabinetry, ample counter space, a central island, walk-in pantry, and included appliances, creating a practical and inviting setting for everyday living.

Key facts

  • Central island
  • Covered patio
  • Tile flooring

Tags

OPEN-CONCEPT LAYOUTTILE FLOORINGDARK WOOD CABINETRYCENTRAL ISLANDWALK-IN PANTRYCOVERED PATIO

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 5-bed/3.0-bath single-family listed at $332k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-350 ($-4k/yr) — negative.
  • To cash-flow at today's rent, offer at most $271k (18.6% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $259k (22.1% below list).
  • Recommended offer: $259k (22.1% below list) — sets the bar for 1% rule.

Location & tenants

  • Location reads 71/100 on livability (#405 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute F.
  • Lake (suburban): math 49% / reading 50% proficiency, ranked #37 of 73 in FL (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Mascotte Elementary School (math 50% / reading 47%, grade D, #1,152 of 2,144 statewide, top 55%, 855 students, 62% FRL, charter); Gray Middle School (math 45% / reading 45%, grade D, #310 of 571 statewide, top 56%, 1,148 students, 47% FRL); South Lake High School (math 36% / reading 39%, grade F, #336 of 667 statewide, top 51%, 2,169 students, 40% FRL) — zoned schools at 50% FRL track the district average.
  • Market conditions: 107 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 47% of comp listings sitting > 30 days — soft ceiling on asking rent; solid renter incomes; 4,799 units permitted in Lake County in 2024 (814 in 5+ unit buildings).
  • This rent runs 37% of the median local income ($84k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • In year one you build about $36k of equity ($2k loan paydown + $33k appreciation (10.0% local appreciation)).
  • Lake County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
  • By year 2, paydown + projected appreciation supports a ~$57k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

  • It's been on market 76 days — a 6% lower offer ($313k) is reasonable based on typical stale-listing flexibility.
  • 4 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.

Risks & watch-outs

  • Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $258,859 (22.1% 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. It's been on market 76 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  7. 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?
  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 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
0.78%
Cap rate
5.03%
Cash-on-cash
-4.51%
DSCR
0.80
GRM
10.7

CMA / ARV

ARV (median comp)
$359,177
List price
$332,500
Delta
-7.43%
Verdict
FAIR
Comps
20 within 1.0 mi
Show comp detail 6 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1884 Piedmont Ct 0.17mi 5/3.0 1,944 (0%) 0mo $337,000 $173 92
1665 Hideaway Flat St 0.15mi 5/3.0 1,944 (0%) 17mo $335,000 $172 79
1130 Union Ave 0.12mi 4/2.0 (-1) 1,842 (-5%) 20mo $343,000 $186 60
1725 Garden View St 0.26mi 4/2.0 (-1) 1,701 (-12%) 9mo $262,000 $154 50
6239 Chorus Dr 0.73mi 4/2.0 (-1) 1,998 (+3%) 9mo $394,534 $197 45
6197 Chorus Dr 0.72mi 4/2.0 (-1) 1,998 (+3%) 20mo $450,900 $226 36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
21.1%
Equity multiple
2.71×
Total profit
$158,896
Equity at exit
$299,542
10-year hold
IRR
19.1%
Equity multiple
6.22×
Total profit
$485,648
Equity at exit
$645,974

Cash invested: $93,100 (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.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
9 active · 14 under contract
Months of supply
10.8 mo (9%/mo absorbed)
Median asking
$335,000 ($172/sqft)
Median days on market
149 d
This list price
44% of active listings are priced below it
ARV vs active asking
+7.2% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34753

Home prices YoY
7.2%
Active inventory
107
Price-to-rent
10.7×

Monthly cashflow live

Estimated rent
$2,589 high interval (Pro) →
Mortgage (P&I)
$1,744
Tax from tax record
$482 /mo · $5,781/yr
Insurance
$139
HOA
$31
Vacancy / Maint / Mgmt
$544
Net cashflow
$-350

Break-even live

Break-even rent $3,032
Max offer price $270,672
Occupancy floor

Sensitivity live

Price -10% $-162 -5% $-256 +0% $-350 +5% $-444 +10% $-538
Rent -10% $-554 -5% $-452 +0% $-350 +5% $-248 +10% $-145
Rate -1.0pp $-183 -0.5pp $-265 base $-350 +0.5pp $-436 +1.0pp $-524

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
$83,125
Closing costs
$9,975
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 17 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
1676 Gopher Tree St Mascotte, FL 5.0 3.0 1984 $2,285 $1.15 55d 1 0.03mi
1338 Brenway Dr Mascotte, FL 4.0 2.0 1851 $2,280 $1.23 17d 1 0.07mi
1341 Brenway Dr Mascotte, FL 4.0 2.0 1851 $2,280 $1.23 49d 1 0.10mi
1126 Union Ave Mascotte, FL 5.0 3.0 1984 $2,265 $1.14 74d 1 0.12mi
1370 Brenway Dr Mascotte, FL 4.0 2.0 1851 $2,180 $1.18 17d 1 0.12mi
1374 Brenway Dr Mascotte, FL 5.0 3.0 1984 $2,295 $1.16 14d 1 0.14mi
1369 Brenway Dr Mascotte, FL 5.0 3.0 1984 $2,405 $1.21 43d 1 0.14mi
1694 Hideaway Flat St Mascotte, FL 5.0 3.0 1984 $2,310 $1.16 23d 1 0.16mi
1864 Piedmont Ct Mascotte, FL 5.0 3.0 1984 $2,290 $1.15 74d 1 0.17mi
2425 Begonia St Mascotte, FL 4.0 2.0 1983 $2,350 $1.19 74d 1 0.52mi
232 Boca Ciega Rd Mascotte, FL 4.0 2.0 1280 $2,095 $1.64 63d 1 0.63mi
6336 Chorus Dr Mascotte, FL 4.0 2.0 1994 $2,390 $1.20 17d 1 0.98mi
15724 Pine Siskin Loop Mascotte, FL 4.0 2.0 1999 $2,039 $1.02 18d 1 0.98mi
405 Eventide Ave Mascotte, FL 4.0 3.0 2000 $2,250 $1.12 70d 1 1.10mi
15320 Scorpio St Mascotte, FL 4.0 3.0 2427 $2,449 $1.01 14d 1 1.17mi
2013 Sloans Outlook Dr Groveland, FL 4.0 2.0 2485 $2,350 $0.95 25d 1 1.22mi
15619 Merlin Ave Mascotte, FL 4.0 2.5 2099 $2,159 $1.03 18d 1 1.29mi

Property features AI

Finance

Other
No CDD reportedUnfurnished
HOA & community
HOA managed by Sentry ManagementHOA required; $380 annually ($31.67/month)Pets allowed with restrictions (cats and dogs ok; limits on number, size, and certain breeds; max pet weight listed as 300 lbs)

Exterior

Parking
Attached garage with 2 garage spaces
Utilities
Public waterPublic sewerElectricity availableCable available
Home design
Single family residenceOne storyFaces westResidential property
Construction
Block and stucco constructionShingle roofSlab foundationBuilt on a 0.24-acre lot
Exterior features
Other exterior featuresAsphalt road access

Interior

Kitchen
DishwasherMicrowaveRangeRefrigerator
Bedrooms
5 bedrooms
Flooring
CarpetCeramic tile
Bathrooms
3 full bathrooms
Heating & cooling
Central heatingCentral air conditioning
Interior features
Ceiling fansWalk-in closets14 total rooms
Laundry & utility
Dedicated laundry room

Listing history 50 events

  1. 2026-08-09
    days on market $332,500 Active 76 DOM
  2. 2026-08-08
    statusdays on market $332,500 Active 75 DOM
  3. 2026-07-20
    statusdays on market $332,500 Pending 74 DOM
  4. 2026-07-18
    days on market $332,500 Active 72 DOM
  5. 2026-07-18
    days on market $332,500 Active 71 DOM
  6. 2026-07-16
    days on market $332,500 Active 70 DOM
  7. 2026-07-15
    days on market $332,500 Active 69 DOM
  8. 2026-07-14
    days on market $332,500 Active 68 DOM
  9. 2026-07-13
    days on market $332,500 Active 67 DOM
  10. 2026-07-13
    days on market $332,500 Active 66 DOM
  11. 2026-07-11
    pricedays on market $332,500 Active 65 DOM
  12. 2026-07-10
    days on market $339,900 Active 64 DOM
  13. 2026-07-09
    days on market $339,900 Active 63 DOM
  14. 2026-07-07
    days on market $339,900 Active 61 DOM
  15. 2026-07-06
    days on market $339,900 Active 60 DOM
  16. 2026-07-05
    days on market $339,900 Active 59 DOM
  17. 2026-07-03
    days on market $339,900 Active 57 DOM
  18. 2026-07-02
    days on market $339,900 Active 56 DOM
  19. 2026-07-01
    days on market $339,900 Active 55 DOM
  20. 2026-06-30
    days on market $339,900 Active 54 DOM
  21. 2026-06-29
    days on market $339,900 Active 53 DOM
  22. 2026-06-28
    days on market $339,900 Active 52 DOM
  23. 2026-06-27
    days on market $339,900 Active 51 DOM
  24. 2026-06-26
    days on market $339,900 Active 50 DOM
  25. 2026-06-24
    days on market $339,900 Active 48 DOM
  26. 2026-06-22
    days on market $339,900 Active 46 DOM
  27. 2026-06-21
    days on market $339,900 Active 45 DOM
  28. 2026-06-18
    days on market $339,900 Active 42 DOM
  29. 2026-06-17
    days on market $339,900 Active 41 DOM
  30. 2026-06-16
    days on market $339,900 Active 40 DOM
  31. 2026-06-15
    days on market $339,900 Active 39 DOM
  32. 2026-06-13
    days on market $339,900 Active 37 DOM
  33. 2026-06-09
    days on market $339,900 Active 33 DOM
  34. 2026-06-08
    pricedays on market $339,900 Active 32 DOM
  35. 2026-06-07
    days on market $344,900 Active 31 DOM
  36. 2026-06-04
    days on market $344,900 Active 28 DOM
  37. 2026-06-03
    days on market $344,900 Active 27 DOM
  38. 2026-06-02
    days on market $344,900 Active 26 DOM
  39. 2026-06-01
    days on market $344,900 Active 25 DOM
  40. 2026-05-31
    days on market $344,900 Active 24 DOM
  41. 2026-05-07
    listed $344,900 Active
  42. 2026-03-19
    historical $2,175
  43. 2026-02-26
    listed $2,175
  44. 2026-02-25
    historical $2,160
  45. 2026-02-24
    price $2,160
  46. 2026-02-07
    price $2,235
  47. 2025-12-18
    listed $2,360
  48. 2025-11-22
    historical $2,360
  49. 2025-11-05
    price $2,360
  50. 2025-11-01
    listed $2,445

ⓘ 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
$5,781 · $482/mo
Projected year-2 tax
$5,781 · $482/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 5/10 Major
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$31,063
− Mortgage interest
−$18,625
− Property taxes
−$5,781
− Insurance
−$1,662
− Repairs & maintenance
−$2,485
− Management
−$2,485
− HOA
−$372
− Depreciation
−$9,673
Taxable loss
−$10,021
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,405
After-tax cash flow
$-1,795/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $9,720–$29,160 screening

This 2020-built home in Mascotte, FL is in good condition with a good condition score of 80. It offers a well-designed open-concept layout, ample natural light, and modern appliances. The home is move-in ready with minor cosmetic updates that can further increase its value.

Value-add opportunities

  • Both Painting the interior walls — Fresh paint can enhance the home's curb appeal and interior aesthetics.
  • Both Updating the flooring in the bedrooms — Replacing worn-out carpet with hardwood or tile can increase both resale and rental value.
  • Both Upgrading the kitchen appliances — Modernizing the kitchen with new appliances can attract more buyers and renters.
  • Both Landscaping the front yard — A well-maintained front yard can improve the home's curb appeal and attract more potential buyers and renters.

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 38/100

Zoned Schools

Elementary Groveland Elementary School F FL #1,854/2,144 Nat'l #26,096/41,679 Middle Gray Middle School D FL #310/571 Nat'l #4,622/14,009 High South Lake High School F FL #336/667 Nat'l #8,937/17,239

Schools (NCES district)

District
Lake
NCES district ID
1201050
Math proficiency
49% ▼ -7.00%
Reading proficiency
50% ▼ -4.00%
Median HH income
$46,632
Composite
42.05/100
National rank
#3327
State rank
#37 of 73 in FL
B Composite livability gradescore 71/100

Livability — Mascotte

Score
71/100
State rank
#405
US rank
#7156

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Mascotte, FL
County
Lake County · 386,640 people
City population
33,565
Metro
Orlando-Kissimmee-Sanford, FL
Population (ZIP)
7,985
Household income
$83,868
Rent vs Own
22.5% rent · 77.5% own
Severe rent burden
35% of renters

Population outlook (Lake County) Hauer SSP2

Today (2025)
386,640 people
By 2030
417,107 · +7.9%
By 2040
476,676 · +23.3%
By 2050
531,296 · +37.4%
By 2075
648,303 · +67.7%
By 2100
698,530 · +80.7%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.69)
Race & ethnicity
White 38% Hispanic / Latino 35% Two or more races 25% Black 20% Asian 3%
Hispanic origin (detail)
Mexican 11% Puerto Rican 12% Dominican 2%
Common ancestry
Slovak 1% Serbian 1% Romanian 1%
Foreign-born
10% · Canada, Jamaica
Languages at home
67% English-only · Spanish 32%

Political lean MEDSL · Lake

2024 margin
Strong R (+24.7) · D 37.3% · R 62.0%
2008→2024 swing
-11.2pp toward R · 2008: -13.5pp · 2024: -24.7pp
All cycles
2024: R+24.7 2020: R+20.0 2016: R+23.1 2012: R+17.1 2008: R+13.5

Not yet ingested

Civics

Price history

-94.6% since first listed
12 events — show timeline
  • 2026-06-08 Price Changed $339,900 Stellar MLS as Distributed by MLS Grid
  • 2026-05-07 Listed $344,900 Stellar MLS as Distributed by MLS Grid
  • 2026-03-19 Rental Removed $2,175 RENTLY
  • 2026-02-26 Listed for Rent $2,175 RENTLY
  • 2026-02-25 Rental Removed $2,160 STELLARMLS
  • 2026-02-24 Price Changed $2,160 STELLARMLS
  • 2026-02-07 Price Changed $2,235 STELLARMLS
  • 2025-12-18 Listed for Rent $2,360 STELLARMLS
  • 2025-11-22 Rental Removed $2,360 STELLARMLS
  • 2025-11-05 Price Changed $2,360 STELLARMLS
  • 2025-11-01 Listed for Rent $2,445 STELLARMLS
  • 2021-06-08 Sold (Public Records) $6,282,200 Public Records

Property tax history

+5.4%/yr

Latest (2025): $5,781 · +4.0% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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