1067 Carver Ct · Fruitland Park, FL 32163

$352,829

2 bd · 2.0 ba · 1,270 sqft · SingleFamily public records · 193 Days on market

Built 2015 3,733 sqft lot Est $343k · at est.

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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 +11.3/30.0
• Appreciation +10.0/10.0
• ARV discount +6.2/15.0
• Schools +4.2/10.0
• 1% rule +3.5/10.0
• Livability +3.5/5.0
• DSCR +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

TURN-KEY SALE Low Bond - under $13,000 Friendly and active neighborhood Comfortable walk throughout area Fully Furnished and Stocked Low Maintenance Inside and outside No Grass or Carpets Great Location Near Three Country Clubs Near Four Executive Golf Courses Near Three Rec Centers Near Dog Park and Nature Preserve Near Golf Shop, Driving Range, putting and chipping practice area Near Shopping, Medical and Restaurants Beautiful poured concrete two bedroom two bath Court Yard Villa. with enclosed fully insulated lanai and fully screened 200sf Pergola. Floors are premium vinyl planking throughout house and ceramic tile in lanai. Stamped driveway and painted walkways. Enclosed yard for privac

Key facts

• Solar tubes
• 3,733 sq ft lot
• Garage

Tags

• POURED CONCRETE CONSTRUCTION
• MAINTENANCE FREE YARD
• FULLY SCREENED PERGOLA
• ENCLOSED LANAI WITH E-GLASS
• SOLAR TUBES
• FENCED BACK AND SIDE YARDS

Property features AI

Finance

• Other: Turnkey / furnished; Property is homesteaded; Irrigation equipment included; Direction faces south
• Financial info: Lease restrictions apply
• HOA & community: Community amenities: fitness center, pool, golf, golf carts allowed, park, sidewalks, tennis courts, basketball court, pickleball, shuffleboard, clubhouse, recreation facilities, trails; Association fees include common area taxes and pool; Full-time on-site management; Senior community; Pets allowed with breed, number and size restrictions; No truck/RV/motorcycle parking; Gated

Exterior

• Parking: Driveway; Attached garage (1 car) with garage door opener; Golf cart parking; Ground level parking
• Security: Gated community with security gate; Smoke detectors
• Utilities: Public water (canal/lake for irrigation available); Public sewer; Cable connected; Electricity connected; Phone available; Sewer connected; Water connected; Underground utilities; Sprinkler meter
• Home design: Residential villa; One story; South facing; Completed condition; Slab foundation; Builder model: Durham
• Construction: Concrete and stucco construction; Shingle roof; Built on slab foundation
• Exterior features: Covered, enclosed and screened front porch/Florida room; Exterior lighting; Rain gutters; Metered sprinkler system; Masonry and vinyl fencing; Level lot, near golf course, paved; Private maintained concrete road; Mature landscaping with trees

Interior

• Kitchen: Dishwasher; Disposal; Ice maker; Microwave; Range; Range hood; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Ceramic tile; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric, heat pump); Exhaust fan; Central air conditioning
• Interior features: Ceiling fans; Coffered ceilings; High ceilings; Living room/dining room combo; Open floorplan; Solid surface counters; Solid wood cabinets; Stone counters; Thermostat; Vaulted ceilings; Walk-in closets; Window treatments; Skylights; Blinds; Double-pane ENERGY STAR qualified/insulated/thermal windows
• Laundry & utility: Washer; Dryer; Electric water heater; Laundry located in garage

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $353k.

Deal economics

• At list price, monthly cash flow is $-132 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $330k (6.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $298k (15.4% below list).
• Recommended offer: $298k (15.4% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 4.0% in Fruitland Park — 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 70/100 on livability (#447 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, crime A, health & safety A-; Watch: schools D, 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.
• Market conditions: 265 active listings in the ZIP; 5 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; 4,799 units permitted in Lake County in 2024 (814 in 5+ unit buildings).
• This rent runs 37% of the median local income ($97k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $38k of equity ($2k loan paydown + $35k 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 ~$61k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 193 days — a 12% lower offer ($310k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 8y 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 $228k; list at $353k implies a 54% 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→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $298,430 (15.4% 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 193 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
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. 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?
6. 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?
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: 0.85% ✗
• Cap rate: 5.84%
• Cash-on-cash: -1.60%
• DSCR: 0.93
• GRM: 9.9

CMA / ARV

• ARV (on-the-fly): $342,900
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1061 Carver Ct	0.01mi	3/2.0 (+1)	1,391 (+10%)	2mo	$345,000	$248	77
1084 Becker Ave	0.04mi	3/2.0 (+1)	1,395 (+10%)	12mo	$339,900	$244	67
308 Almeria St	0.74mi	2/2.0	1,132 (-11%)	23mo	$350,000	$309	28
290 Almeria St	0.72mi	3/2.0 (+1)	1,407 (+11%)	22mo	$380,000	$270	25

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: 23.1%
• Equity multiple: 2.86×
• Total profit: $183,841
• Equity at exit: $317,856

10-year hold

• IRR: 20.6%
• Equity multiple: 6.55×
• Total profit: $548,135
• Equity at exit: $685,469

Cash invested: $98,792 (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 32163

• Home prices YoY: 9.8%
• Active inventory: 265
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,984 high
• Mortgage (P&I): −$1,850
• Tax from tax record: −$492 /mo · $5,906/yr
• Insurance: −$147
• HOA: −$0
• Vacancy / Maint / Mgmt: −$627
• Net cashflow: $-132

Break-even live

Break-even rent $3,151

Max offer price $329,542

Occupancy floor 99%

Sensitivity live

Price	-10% $68	-5% $-32	+0% $-132	+5% $-232	+10% $-332
Rent	-10% $-368	-5% $-250	+0% $-132	+5% $-14	+10% $104
Rate	-1.0pp $46	-0.5pp $-42	base $-132	+0.5pp $-223	+1.0pp $-316

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: $88,207
• Closing costs: $10,585
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1069 Becker Ave The Villages, FL	3.0	2.0	1656	$5,000	$3.02	25d	1	0.03mi
3530 E Harbor Dr Fruitland Park, FL	1.0–3.0	1.0–2.0	1061	$1,658	$1.56	3d	37	0.12mi
3225 Wise Way The Villages, FL	3.0	2.0	1652	$2,650	$1.60	25d	1	0.73mi
2614 Dartford Ter The Villages, FL	3.0	2.0	1685	$1,995	$1.18	22d	1	0.75mi
798 Journey Ln The Villages, FL	3.0	2.0	1551	$2,300	$1.48	22d	1	1.36mi

Listing history 22 events

1. 2026-06-21
   days on market $352,829 Active 193 DOM
2. 2026-06-18
   days on market $352,829 Active 190 DOM
3. 2026-06-17
   days on market $352,829 Active 189 DOM
4. 2026-06-16
   days on market $352,829 Active 188 DOM
5. 2026-06-15
   days on market $352,829 Active 187 DOM
6. 2026-06-13
   days on market $352,829 Active 185 DOM
7. 2026-06-09
   days on market $352,829 Active 181 DOM
8. 2026-06-08
   days on market $352,829 Active 180 DOM
9. 2026-06-07
   days on market $352,829 Active 179 DOM
10. 2026-06-04
    days on market $352,829 Active 176 DOM
11. 2026-06-03
    days on market $352,829 Active 175 DOM
12. 2026-06-02
    days on market $352,829 Active 174 DOM
13. 2026-06-02
    days on market $352,829 Active 173 DOM
14. 2026-05-31
    days on market $352,829 Active 172 DOM
15. 2026-04-07
    status Active
16. 2026-03-12
    status Pending
17. 2026-03-01
    price $352,829
18. 2025-11-14
    listed $358,789 Active
19. 2019-04-30
    soldstatus $228,500
20. 2019-02-05
    historical
21. 2019-02-02
    price $234,900
22. 2018-12-21
    listed $229,000 Active

ⓘ 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: $5,906 · $492/mo
• Projected year-2 tax: $5,906 · $492/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 2/10 Low
• 🌡 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 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $35,812
• − Mortgage interest: −$19,764
• − Property taxes: −$5,906
• − Insurance: −$1,764
• − Repairs & maintenance: −$2,865
• − Management: −$2,865
• − Depreciation: −$10,264
• Taxable loss: −$7,616
• Est. tax savings @ 24.0%: +$1,828
• After-tax cash flow: $246/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: 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 — Fruitland Park

• Score: 70/100
• State rank: #447
• US rank: #8098

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Fruitland Park, FL
• County: Sumter County · 110,591 people
• City population: 12,196
• Metro: The Villages, FL
• Population (ZIP): 28,549
• Household income: $96,775
• Rent vs Own: 5.7% rent · 94.3% own
• Severe rent burden: 307.0

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: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 2% Hispanic / Latino 2% Asian 1%
• Common ancestry: Romanian 6% Lithuanian 3% Iranian 3%
• Foreign-born: 6% · Canada, Vietnam
• Languages at home: 96% English-only · Spanish 2% Vietnamese 1% Other Indo-European 0%

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: ▲ 20.47%
• Current HPI: 229.0075
• Rent YoY: —
• Metro: The Villages, 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

+54.1% since first listed

8 events — show timeline

• 2026-04-07 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-01 Price Changed $352,829 Stellar MLS as Distributed by MLS Grid
• 2025-11-14 Listed $358,789 Stellar MLS as Distributed by MLS Grid
• 2019-04-30 Sold (Public Records) $228,500 Public Records
• 2019-02-05 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2019-02-02 Price Changed $234,900 Stellar MLS as Distributed by MLS Grid
• 2018-12-21 Listed $229,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+3.3%/yr

Latest (2025): $5,906 · +3.7% YoY. Source: county tax records.