1465 Gainesville Dr · Deltona, FL 32725

$155,600

1 bd · 1.0 ba · 645 sqft · SingleFamily public records · 18 Days on market

Built 1974

---

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 +13.1/30.0
• ARV discount +7.5/15.0
• 1% rule +4.1/10.0
• DSCR +3.9/10.0
• Schools +3.9/10.0
• Livability +3.6/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

GREAT INVESTMENT OPPORTUNITY! SOLID, BLOCK 1 BED/1BATH HOME IN DELTONA. CORNER LOT, SIDEWALKS, BIG SHADED TREES, UTILITY SHED, AND MORE! LOCATED RIGHT BY FIRE STATION AND POLICE DEPARTMENT, CLOSE TO LOCAL AMENITIES, AND 30 MINUTES TO ORLANDO AND DAYTONA BEACH!

Key facts

• Car port
• New water heater
• Roof redone

Tags

• NEW WATER HEATER
• NEW ELECTRICAL PANEL
• 0.24 ACRES
• ROOF REDONE
• NO HOA
• CAR PORT

Property features AI

Exterior

• Home design: Built in 1974; Single-family property
• Construction: 785 living area
• Exterior features: Located in the Deltona Lakes subdivision

Interior

• Bedrooms: 3 bedrooms

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath single-family listed at $156k.

Deal economics

• At list price, monthly cash flow is $-5 ($-55/yr) — negative.
• To cash-flow at today's rent, offer at most $155k (0.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $141k (9.5% below list).
• Recommended offer: $141k (9.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 71/100 on livability (#381 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, amenities F, commute F.
• Volusia (suburban): math 44% / reading 49% proficiency, ranked #47 of 73 in FL (top 64%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents flat; 415 active listings in the ZIP; 3,402 units permitted in Volusia County in 2024 (681 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Volusia County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 18 days — a 2% lower offer ($153k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 14y 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 $16k; list at $156k implies a 904% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $140,885 (9.5% 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. Built in 1974 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
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: 0.91% ✗
• Cap rate: 6.26%
• Cash-on-cash: -0.13%
• DSCR: 0.99
• GRM: 9.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.61% rent growth · sell at horizon

5-year hold

• IRR: -19.3%
• Equity multiple: 0.34×
• Total profit: $-28,769
• Equity at exit: $23,200

10-year hold

• IRR: -18.2%
• Equity multiple: 0.12×
• Total profit: $-38,181
• Equity at exit: $13,453

Cash invested: $43,568 (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 32725

• Rents YoY: 0.6%
• Active inventory: 415
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,409 medium
• Mortgage (P&I): −$816
• Tax from tax record: −$237 /mo · $2,841/yr
• Insurance: −$65
• HOA: −$0
• Vacancy / Maint / Mgmt: −$296
• Net cashflow: $-5

Break-even live

Break-even rent $1,415

Max offer price $154,786

Occupancy floor 95%

Sensitivity live

Price	-10% $83	-5% $39	+0% $-5	+5% $-49	+10% $-93
Rent	-10% $-116	-5% $-60	+0% $-5	+5% $51	+10% $107
Rate	-1.0pp $74	-0.5pp $35	base $-5	+0.5pp $-45	+1.0pp $-86

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: $38,900
• Closing costs: $4,668
• Reserves months: —
• Total cash needed: —

Listing history 14 events

1. 2026-06-18
   days on market $155,600 Active 18 DOM
2. 2026-06-17
   days on market $155,600 Active 17 DOM
3. 2026-06-16
   days on market $155,600 Active 16 DOM
4. 2026-06-15
   days on market $155,600 Active 15 DOM
5. 2026-06-14
   days on market $155,600 Active 13 DOM
6. 2026-06-10
   days on market $155,600 Active 10 DOM
7. 2026-06-09
   days on market $155,600 Active 9 DOM
8. 2026-06-08
   days on market $155,600 Active 8 DOM
9. 2026-06-07
   days on market $155,600 Active 7 DOM
10. 2026-06-05
    days on market $155,600 Active 4 DOM
11. 2026-06-03
    days on market $155,600 Active 3 DOM
12. 2026-06-03
    days on market $155,600 Active 2 DOM
13. 2026-06-01
    remarks 555-char remark
14. 2026-06-01
    listed $155,600 Active 1 DOM

ⓘ 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: $2,841 · $237/mo
• Projected year-2 tax: $2,841 · $237/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 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,906
• − Mortgage interest: −$8,716
• − Property taxes: −$2,841
• − Insurance: −$778
• − Repairs & maintenance: −$1,352
• − Management: −$1,352
• − Depreciation: −$4,527
• Taxable loss: −$2,661
• Est. tax savings @ 24.0%: +$639
• After-tax cash flow: $583/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: Volusia
• NCES district ID: 1201920
• Math proficiency: 44% ▼ -9.00%
• Reading proficiency: 49% ▼ -3.00%
• Median HH income: $42,946
• Composite: 39.2/100
• National rank: #4019
• State rank: #47 of 73 in FL

Livability — Deltona

• Score: 71/100
• State rank: #381
• US rank: #6749

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Deltona, FL
• County: Volusia County · 556,871 people
• City population: 101,355
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• Population (ZIP): 51,987
• Household income: $73,152
• Rent vs Own: 21.3% rent · 78.7% own
• Severe rent burden: 1051.0

Population outlook (Volusia County) Hauer SSP2

• Today (2025): 572,749 people
• By 2030: 598,695 · +4.5%
• By 2040: 644,880 · +12.6%
• By 2050: 681,451 · +19.0%
• By 2075: 759,957 · +32.7%
• By 2100: 778,902 · +36.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 45% Hispanic / Latino 39% Two or more races 12% Black 10% Asian 3%
• Hispanic origin (detail): Mexican 3% Puerto Rican 23% Cuban 4% Dominican 3%
• Common ancestry: Romanian 1% Lithuanian 1% Serbian 1%
• Foreign-born: 13% · Canada, Jamaica, Vietnam
• Languages at home: 66% English-only · Spanish 30% Vietnamese 1% Other Indo-European 1%

Political lean MEDSL · Volusia

• 2024 margin: Strong R (+21.8) · D 38.7% · R 60.5%
• 2008→2024 swing: -27.4pp toward R · 2008: 5.7pp · 2024: -21.8pp
• All cycles: 2024: R+21.8 2020: R+14.1 2016: R+13.1 2012: R+1.2 2008: D+5.7

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -195.58%
• Current HPI: 349.7999
• Rent YoY: ▲ 0.61%
• Metro: Deltona-Daytona Beach-Ormond Beach, 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

+1340.7% since first listed

7 events — show timeline

• 2026-06-01 Listed $155,600 FSBO.com
• 2012-10-01 Sold (MLS) $15,500 Stellar MLS as Distributed by MLS Grid
• 2012-09-07 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2012-08-27 Listed $14,850 Stellar MLS as Distributed by MLS Grid
• 2003-01-16 Sold (Public Records) $45,000 Public Records
• 1987-02-01 Sold (Public Records) $27,500 Public Records
• 1968-12-01 Sold (Public Records) $10,800 Public Records

Property tax history

+10.4%/yr

Latest (2025): $2,841 · +5.5% YoY. Source: county tax records.