1668 Gopher Tree St · Mascotte, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 9/10 · Severe
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 24 days/yr
Wind risk 9/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
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
🖨 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
Neighborhood map
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.
Questions for the listing agent
- 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?
- 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?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- IRR
- 21.1%
- Equity multiple
- 2.71×
- Total profit
- $158,896
- Equity at exit
- $299,542
- 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
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
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$544
- Net cashflow
- $-350
Break-even live
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
- Club membership (one-time)
- —
- 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
| Address | Beds | Baths | Sqft | Rent | $/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
-
2026-08-09days on market $332,500 Active 76 DOM
-
2026-08-08statusdays on market $332,500 Active 75 DOM
-
2026-07-20statusdays on market $332,500 Pending 74 DOM
-
2026-07-18days on market $332,500 Active 72 DOM
-
2026-07-18days on market $332,500 Active 71 DOM
-
2026-07-16days on market $332,500 Active 70 DOM
-
2026-07-15days on market $332,500 Active 69 DOM
-
2026-07-14days on market $332,500 Active 68 DOM
-
2026-07-13days on market $332,500 Active 67 DOM
-
2026-07-13days on market $332,500 Active 66 DOM
-
2026-07-11pricedays on market $332,500 Active 65 DOM
-
2026-07-10days on market $339,900 Active 64 DOM
-
2026-07-09days on market $339,900 Active 63 DOM
-
2026-07-07days on market $339,900 Active 61 DOM
-
2026-07-06days on market $339,900 Active 60 DOM
-
2026-07-05days on market $339,900 Active 59 DOM
-
2026-07-03days on market $339,900 Active 57 DOM
-
2026-07-02days on market $339,900 Active 56 DOM
-
2026-07-01days on market $339,900 Active 55 DOM
-
2026-06-30days on market $339,900 Active 54 DOM
-
2026-06-29days on market $339,900 Active 53 DOM
-
2026-06-28days on market $339,900 Active 52 DOM
-
2026-06-27days on market $339,900 Active 51 DOM
-
2026-06-26days on market $339,900 Active 50 DOM
-
2026-06-24days on market $339,900 Active 48 DOM
-
2026-06-22days on market $339,900 Active 46 DOM
-
2026-06-21days on market $339,900 Active 45 DOM
-
2026-06-18days on market $339,900 Active 42 DOM
-
2026-06-17days on market $339,900 Active 41 DOM
-
2026-06-16days on market $339,900 Active 40 DOM
-
2026-06-15days on market $339,900 Active 39 DOM
-
2026-06-13days on market $339,900 Active 37 DOM
-
2026-06-09days on market $339,900 Active 33 DOM
-
2026-06-08pricedays on market $339,900 Active 32 DOM
-
2026-06-07days on market $344,900 Active 31 DOM
-
2026-06-04days on market $344,900 Active 28 DOM
-
2026-06-03days on market $344,900 Active 27 DOM
-
2026-06-02days on market $344,900 Active 26 DOM
-
2026-06-01days on market $344,900 Active 25 DOM
-
2026-05-31days on market $344,900 Active 24 DOM
-
2026-05-07$344,900 Active
-
2026-03-19historical $2,175
-
2026-02-26$2,175
-
2026-02-25historical $2,160
-
2026-02-24price $2,160
-
2026-02-07price $2,235
-
2025-12-18$2,360
-
2025-11-22historical $2,360
-
2025-11-05price $2,360
-
2025-11-01$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
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
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
- 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
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.
Zoned Schools
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
Livability — Mascotte
- Score
- 71/100
- State rank
- #405
- US rank
- #7156
Category grades
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
- 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
- —
Market trends
- HPI YoY
- ▲ 19.01%
- Current HPI
- 281.96
- Rent YoY
- —
- 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
-94.6% since first listed12 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%/yrLatest (2025): $5,781 · +4.0% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…