130 Virginia Ct · Englewood, FL 34223

$285,000

2 bd · 2.0 ba · 1,064 sqft · SingleFamily public records · 71 Days on market

Built 1955 10,575 sqft lot $268/sqft · at area comps Est $297k · at est.

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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 +26.9/30.0
• DSCR +9.3/10.0
• ARV discount +9.3/15.0
• 1% rule +6.0/10.0
• Schools +5.4/10.0
• Rent growth +4.8/5.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

"MOTIVATED SELLER". Step into a home that feels completely brand-new, a fully remodeled gem tucked away on a quiet street in the heart of Englewood. This property blends modern style, quality upgrades, and the Florida lifestyle so many seek. The renovation was extensive and thoughtfully executed: a new roof, major electrical upgrades, updated plumbing, a new water heater, and a fully redesigned kitchen with new cabinetry, refreshed countertops, and like-new appliances. Both bathrooms were transformed with modern finishes, clean lines, and quality materials, creating elegant and functional spaces. For added peace of mind, the home also features a brand-new air-conditioning system, including all new ductwork, ensuring long-term comfort and efficiency. Inside, the open layout is bright, fresh, and inviting—perfect for relaxing or entertaining. Outside, the spacious lot allows you to enjoy the Florida lifestyle without limits. There is plenty of room for all your toys: bring your boat, your jet ski, or comfortably park your RV. Few homes provide this level of flexibility and outdoor potential. Another major advantage: no HOA fees, no CDD, Without flood insurance, and low property taxes, making this home even more appealing and accessible. This property is ideal for first-time homebuyers, investors seeking strong Airbnb potential, or anyone ready to embrace the vibrant and relaxed Florida lifestyle. Located just minutes from beaches, shopping, dining, and everything that makes Englewood such a desirable coastal community, this home stands out as a rare opportunity to own a fully updated residence in a high-demand area. Beautifully renovated, thoughtfully upgraded, and perfectly located—this home truly has it all.

Key facts

• Fully remodeled gem
• New water heater
• New roof

Tags

• FULLY REMODELED GEM
• NEW ROOF
• MAJOR ELECTRICAL UPGRADES
• UPDATED PLUMBING
• NEW WATER HEATER
• FULLY REDESIGNED KITCHEN

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $285k.

Deal economics

• At list price, monthly cash flow is $364 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $285k).
• Recommended offer: $268k (6.0% below list) — sets the bar for market timing.
• Cap rate 9.6% vs local median 3.8% in Englewood — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 73/100 on livability (#321 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A, health & safety A; Watch: employment C-, amenities F, commute F.
• Sarasota (urban): math 63% / reading 63% proficiency, ranked #7 of 73 in FL (top 10%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising fast (+9.0%/yr); 717 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 7,466 units permitted in Sarasota County in 2024 (2,138 in 5+ unit buildings).
• At $3,141/mo this rent would consume 50% of the median local household income ($76k/yr) (locally 290% 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 $9k of value loss. Plan a longer hold.
• Sarasota County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $80k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 71 days — a 6% lower offer ($268k) is reasonable based on typical stale-listing flexibility.
• 11 sale attempts since 2y ago 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.
• Current owner paid $220k; 30% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo; built in 1955 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $267,900 (6.0% below list)

Questions for the listing agent

1. It's been on market 71 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 1955 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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 A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. 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.
8. 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.
9. 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: 1.10% ✓
• Cap rate: 9.62%
• Cash-on-cash: 11.88%
• DSCR: 1.53
• GRM: 7.6

CMA / ARV

• ARV (median comp): $296,784
• List price: $285,000
• Delta: -3.97%
• Verdict: FAIR
• Comps: 20 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -2.0%
• Equity multiple: 0.92×
• Total profit: $-6,289
• Equity at exit: $42,494

10-year hold

• IRR: 12.7%
• Equity multiple: 2.26×
• Total profit: $100,447
• Equity at exit: $24,642

Cash invested: $79,800 (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 34223

• Home prices YoY: -34.2%
• Rents YoY: 9.0%
• Active inventory: 717
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $3,141 high
• Mortgage (P&I): −$1,495
• Tax from tax record: −$78 /mo · $932/yr
• Insurance: −$119
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$660
• Net cashflow: $364

Break-even live

Break-even rent $2,680

Max offer price $285,000

Occupancy floor 83%

Sensitivity live

Price	-10% $525	-5% $444	+0% $364	+5% $283	+10% $202
Rent	-10% $115	-5% $240	+0% $364	+5% $488	+10% $612
Rate	-1.0pp $507	-0.5pp $436	base $364	+0.5pp $290	+1.0pp $215

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: $71,250
• Closing costs: $8,550
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5041 N Beach Rd Unit 3-A Englewood, FL	2.0	1.0	864	$3,000	$3.47	21d	1	1.18mi
1210 S Maryknoll Rd Englewood, FL	2.0	2.0	1063	$2,600	$2.45	21d	1	1.22mi
5031 N Beach Rd #112 Englewood, FL	2.0	2.0	1035	$2,500	$2.42	14d	1	1.25mi
1401 S McCall Rd Unit 301A Englewood, FL	2.0	2.0	1093	$3,300	$3.02	21d	1	1.26mi
1575 Loralin Dr Englewood, FL	3.0	2.0	1322	$5,000	$3.78	21d	1	1.38mi
2955 N Beach Rd Unit E122 Englewood, FL	2.0	2.0	1060	$2,850	$2.69	21d	1	1.47mi
2955 N Beach Rd Unit 1546022P Englewood, FL	2.0	2.0	1140	$6,423	$5.63	14d	1	1.49mi

Listing history 45 events

1. 2026-06-18
   days on market $285,000 Active 71 DOM
2. 2026-06-17
   days on market $285,000 Active 70 DOM
3. 2026-06-16
   days on market $285,000 Active 69 DOM
4. 2026-06-15
   days on market $285,000 Active 68 DOM
5. 2026-06-13
   days on market $285,000 Active 66 DOM
6. 2026-06-13
   days on market $285,000 Active 65 DOM
7. 2026-06-10
   days on market $285,000 Active 63 DOM
8. 2026-06-09
   days on market $285,000 Active 62 DOM
9. 2026-06-08
   days on market $285,000 Active 61 DOM
10. 2026-06-08
    days on market $285,000 Active 60 DOM
11. 2026-06-05
    days on market $285,000 Active 57 DOM
12. 2026-06-03
    days on market $285,000 Active 56 DOM
13. 2026-06-02
    days on market $285,000 Active 55 DOM
14. 2026-06-01
    days on market $285,000 Active 54 DOM
15. 2026-05-31
    days on market $285,000 Active 53 DOM
16. 2026-05-08
    price $288,000 1759-char remark

    Show marketing remark (1759 chars)

    "MOTIVATED SELLER". Step into a home that feels completely brand-new, a fully remodeled gem tucked away on a quiet street in the heart of Englewood. This property blends modern style, quality upgrades, and the Florida lifestyle so many seek. The renovation was extensive and thoughtfully executed: a new roof, major electrical upgrades, updated plumbing, a new water heater, and a fully redesigned kitchen with new cabinetry, refreshed countertops, and like-new appliances. Both bathrooms were transformed with modern finishes, clean lines, and quality materials, creating elegant and functional spaces. For added peace of mind, the home also features a brand-new air-conditioning system, including all new ductwork, ensuring long-term comfort and efficiency. Inside, the open layout is bright, fresh, and inviting—perfect for relaxing or entertaining. Outside, the spacious lot allows you to enjoy the Florida lifestyle without limits. There is plenty of room for all your toys: bring your boat, your jet ski, or comfortably park your RV. Few homes provide this level of flexibility and outdoor potential. Another major advantage: no HOA fees, no CDD, Without flood insurance, and low property taxes, making this home even more appealing and accessible. This property is ideal for first-time homebuyers, investors seeking strong Airbnb potential, or anyone ready to embrace the vibrant and relaxed Florida lifestyle. Located just minutes from beaches, shopping, dining, and everything that makes Englewood such a desirable coastal community, this home stands out as a rare opportunity to own a fully updated residence in a high-demand area. Beautifully renovated, thoughtfully upgraded, and perfectly located—this home truly has it all.

17. 2026-04-28
    price $288,900 1759-char remark

    Show marketing remark (1759 chars)

    "MOTIVATED SELLER". Step into a home that feels completely brand-new, a fully remodeled gem tucked away on a quiet street in the heart of Englewood. This property blends modern style, quality upgrades, and the Florida lifestyle so many seek. The renovation was extensive and thoughtfully executed: a new roof, major electrical upgrades, updated plumbing, a new water heater, and a fully redesigned kitchen with new cabinetry, refreshed countertops, and like-new appliances. Both bathrooms were transformed with modern finishes, clean lines, and quality materials, creating elegant and functional spaces. For added peace of mind, the home also features a brand-new air-conditioning system, including all new ductwork, ensuring long-term comfort and efficiency. Inside, the open layout is bright, fresh, and inviting—perfect for relaxing or entertaining. Outside, the spacious lot allows you to enjoy the Florida lifestyle without limits. There is plenty of room for all your toys: bring your boat, your jet ski, or comfortably park your RV. Few homes provide this level of flexibility and outdoor potential. Another major advantage: no HOA fees, no CDD, Without flood insurance, and low property taxes, making this home even more appealing and accessible. This property is ideal for first-time homebuyers, investors seeking strong Airbnb potential, or anyone ready to embrace the vibrant and relaxed Florida lifestyle. Located just minutes from beaches, shopping, dining, and everything that makes Englewood such a desirable coastal community, this home stands out as a rare opportunity to own a fully updated residence in a high-demand area. Beautifully renovated, thoughtfully upgraded, and perfectly located—this home truly has it all.

18. 2026-04-22
    price $289,000 1759-char remark

    Show marketing remark (1759 chars)

    "MOTIVATED SELLER". Step into a home that feels completely brand-new, a fully remodeled gem tucked away on a quiet street in the heart of Englewood. This property blends modern style, quality upgrades, and the Florida lifestyle so many seek. The renovation was extensive and thoughtfully executed: a new roof, major electrical upgrades, updated plumbing, a new water heater, and a fully redesigned kitchen with new cabinetry, refreshed countertops, and like-new appliances. Both bathrooms were transformed with modern finishes, clean lines, and quality materials, creating elegant and functional spaces. For added peace of mind, the home also features a brand-new air-conditioning system, including all new ductwork, ensuring long-term comfort and efficiency. Inside, the open layout is bright, fresh, and inviting—perfect for relaxing or entertaining. Outside, the spacious lot allows you to enjoy the Florida lifestyle without limits. There is plenty of room for all your toys: bring your boat, your jet ski, or comfortably park your RV. Few homes provide this level of flexibility and outdoor potential. Another major advantage: no HOA fees, no CDD, Without flood insurance, and low property taxes, making this home even more appealing and accessible. This property is ideal for first-time homebuyers, investors seeking strong Airbnb potential, or anyone ready to embrace the vibrant and relaxed Florida lifestyle. Located just minutes from beaches, shopping, dining, and everything that makes Englewood such a desirable coastal community, this home stands out as a rare opportunity to own a fully updated residence in a high-demand area. Beautifully renovated, thoughtfully upgraded, and perfectly located—this home truly has it all.

19. 2026-04-08
    listed $289,900 Active 1759-char remark

    Show marketing remark (1759 chars)

    "MOTIVATED SELLER". Step into a home that feels completely brand-new, a fully remodeled gem tucked away on a quiet street in the heart of Englewood. This property blends modern style, quality upgrades, and the Florida lifestyle so many seek. The renovation was extensive and thoughtfully executed: a new roof, major electrical upgrades, updated plumbing, a new water heater, and a fully redesigned kitchen with new cabinetry, refreshed countertops, and like-new appliances. Both bathrooms were transformed with modern finishes, clean lines, and quality materials, creating elegant and functional spaces. For added peace of mind, the home also features a brand-new air-conditioning system, including all new ductwork, ensuring long-term comfort and efficiency. Inside, the open layout is bright, fresh, and inviting—perfect for relaxing or entertaining. Outside, the spacious lot allows you to enjoy the Florida lifestyle without limits. There is plenty of room for all your toys: bring your boat, your jet ski, or comfortably park your RV. Few homes provide this level of flexibility and outdoor potential. Another major advantage: no HOA fees, no CDD, Without flood insurance, and low property taxes, making this home even more appealing and accessible. This property is ideal for first-time homebuyers, investors seeking strong Airbnb potential, or anyone ready to embrace the vibrant and relaxed Florida lifestyle. Located just minutes from beaches, shopping, dining, and everything that makes Englewood such a desirable coastal community, this home stands out as a rare opportunity to own a fully updated residence in a high-demand area. Beautifully renovated, thoughtfully upgraded, and perfectly located—this home truly has it all.

20. 2026-04-06
    historical $1,975
21. 2026-03-31
    listed $1,975
22. 2026-03-31
    historical $1,975
23. 2026-03-22
    price $1,975
24. 2026-03-04
    listed $2,150
25. 2026-03-03
    historical
26. 2026-02-26
    historical
27. 2026-02-06
    listed $299,000 Active
28. 2026-02-03
    listed $299,000 Active
29. 2026-02-01
    historical
30. 2025-12-29
    listed $299,000 Active
31. 2025-11-26
    historical $1,900
32. 2025-11-25
    historical
33. 2025-11-18
    price $339,000
34. 2025-10-24
    listed $1,900
35. 2025-10-07
    status Active
36. 2025-09-28
    historical
37. 2025-09-01
    status Active
38. 2025-08-16
    listed $340,000 Active
39. 2025-02-19
    soldstatus $220,000
40. 2025-02-14
    soldstatus $220,000 Closed
41. 2025-01-09
    status Pending
42. 2024-12-12
    listed $219,000 Active
43. 2002-04-09
    soldstatus $67,300
44. 1997-05-21
    soldstatus $45,900
45. 1993-11-24
    soldstatus $45,000

ⓘ 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: $932 · $78/mo
• Projected year-2 tax: $2,366 · $197/mo
• Expected delta: +$1,434/yr (+$119/mo · 153.9%)

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

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone AE · 74% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 30 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $37,687
• − Mortgage interest: −$15,964
• − Property taxes: −$932
• − Insurance: −$6,544
• − Repairs & maintenance: −$3,015
• − Management: −$3,015
• − Depreciation: −$8,291
• Taxable loss: −$73
• Est. tax savings @ 24.0%: +$18
• After-tax cash flow: $4,381/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: Sarasota
• NCES district ID: 1201680
• Math proficiency: 63% ▼ -8.00%
• Reading proficiency: 63% ▼ -3.00%
• Median HH income: $51,167
• Composite: 53.68/100
• National rank: #1428
• State rank: #7 of 73 in FL

Livability — Englewood

• Score: 73/100
• State rank: #321
• US rank: #5655

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Englewood, FL
• County: Sarasota County · 448,376 people
• City population: 35,420
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 19,884
• Household income: $76,016
• Rent vs Own: 12.5% rent · 87.5% own
• Severe rent burden: 290.0

Population outlook (Sarasota County) Hauer SSP2

• Today (2025): 452,380 people
• By 2030: 474,175 · +4.8%
• By 2040: 511,577 · +13.1%
• By 2050: 541,467 · +19.7%
• By 2075: 604,947 · +33.7%
• By 2100: 621,965 · +37.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (94%)
• Race & ethnicity: White 94% Two or more races 3% Hispanic / Latino 3% Asian 1%
• Common ancestry: Romanian 7% Lithuanian 4% Iranian 2%
• Foreign-born: 9% · Canada
• Languages at home: 94% English-only · German/W. Germanic 2% Spanish 1% Other Indo-European 1%

Political lean MEDSL · Sarasota

• 2024 margin: R (+18.2) · D 40.5% · R 58.7%
• 2008→2024 swing: -18.1pp toward R · 2008: -0.1pp · 2024: -18.2pp
• All cycles: 2024: R+18.2 2020: R+10.4 2016: R+11.6 2012: R+7.4 2008: R+0.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -146.26%
• Current HPI: 281.0529
• Rent YoY: ▲ 9.02%
• Metro: North Port-Sarasota-Bradenton, 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

+540.0% since first listed

30 events — show timeline

• 2026-05-08 Price Changed $288,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-28 Price Changed $288,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-22 Price Changed $289,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-08 Listed $289,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-06 Rental Removed $1,975 STELLARMLS
• 2026-03-31 Listed for Rent $1,975 STELLARMLS
• 2026-03-31 Rental Removed $1,975 TENANTTURNER2
• 2026-03-22 Price Changed $1,975 TENANTTURNER2
• 2026-03-04 Listed for Rent $2,150 TENANTTURNER2
• 2026-03-03 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-02-26 Listing Removed — MARMLS
• 2026-02-06 Listed $299,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-03 Listed $299,000 MARMLS
• 2026-02-01 Listing Removed — MARMLS
• 2025-12-29 Listed $299,000 MARMLS
• 2025-11-26 Rental Removed $1,900 MARMLS
• 2025-11-25 Listing Removed — MARMLS
• 2025-11-18 Price Changed $339,000 MARMLS
• 2025-10-24 Listed for Rent $1,900 MARMLS
• 2025-10-07 Relisted — MARMLS
• 2025-09-28 Listing Removed — MARMLS
• 2025-09-01 Relisted — MARMLS
• 2025-08-16 Listed $340,000 MARMLS
• 2025-02-19 Sold (Public Records) $220,000 Public Records
• 2025-02-14 Sold (MLS) $220,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-09 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-12-12 Listed $219,000 Stellar MLS as Distributed by MLS Grid
• 2002-04-09 Sold (Public Records) $67,300 Public Records
• 1997-05-21 Sold (Public Records) $45,900 Public Records
• 1993-11-24 Sold (Public Records) $45,000 Public Records

Property tax history

+3.4%/yr

Latest (2025): $932 · +3.7% YoY. Source: county tax records.