Finch Plan · Mascotte, FL 34736

$329,999

3 bd · 2.0 ba · 1,476 sqft · SingleFamily · 131 Days on market

Good condition 2-car garage $117/mo HOA · 5% of rent

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Why this score? — see what drove the F 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 +7.5/15.0
• Cash flow +5.8/30.0
• Condition / age +4.0/5.0
• Schools +3.8/10.0
• Livability +3.6/5.0
• Rent growth +2.9/5.0
• 1% rule +1.7/10.0
• DSCR +0.2/10.0
• Appreciation +0.0/10.0

Listing remarks

Finch is a thoughtfully designed single-story home offering 1,476 sq. ft. of optimized living space. From the welcoming foyer, you'll step into an open-concept dining and great room-perfect for gatherings and everyday living. The kitchen seamlessly connects to this space, featuring a central prep island, a walk-in corner pantry, and abundant natural light from a sliding glass door that opens to the back patio. The private primary suite is tucked away on one side of the home, opposite two secondary bedrooms and a full bath. The primary bath includes dual vanities, a large shower, a spacious walk-in closet, and a convenient linen closet.

Key facts

• Central prep island
• Open-concept dining
• Great room

Tags

• OPEN-CONCEPT DINING
• GREAT ROOM
• CENTRAL PREP ISLAND
• WALK-IN CORNER PANTRY
• BACK PATIO
• PRIVATE PRIMARY SUITE

🏗️ New construction. The $329,999 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $346,556.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $330k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-687 ($-8k/yr) — negative.
• To cash-flow at today's rent, offer at most $247k (25.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $231k (30.0% below list).
• Recommended offer: $231k (30.0% 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: Groveland Elementary School (math 30% / reading 32%, grade F, #1,854 of 2,144 statewide, top 87%, 744 students, 63% FRL); 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: Rents rising (+1.7%/yr); 785 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 28d on market — plan ~3-4 weeks tenant-placement turnaround); 44% 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 31% of the median local income ($91k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Lake County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 131 days — a 12% lower offer ($290k) is reasonable based on typical stale-listing flexibility.

Recommended offer $231,057 (30.0% 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 131 days. Have you received any prior offers? Is the seller open to a 30% 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: 0.67% ✗
• Cap rate: 3.92%
• Cash-on-cash: -8.49%
• DSCR: 0.62
• GRM: 12.5

CMA / ARV

• ARV (median comp): $346,556
• List price: $329,999
• Delta: -4.78%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
233 Streamwater Way	0.06mi	3/2.0	1,476 (0%)	1mo	$336,520	$228	96
379 Cornerstone Dr	0.15mi	3/2.0	1,455 (-1%)	1mo	$294,574	$202	90
7550 Headwaters Ct	0.09mi	3/2.0	1,429 (-3%)	14mo	$342,490	$240	78
387 Cornerstone Dr	0.14mi	3/2.0	1,603 (+9%)	1mo	$309,214	$193	78
390 Cornerstone Dr	0.16mi	3/2.0	1,603 (+9%)	1mo	$333,314	$208	77
7479 Sandstone Dr	0.18mi	3/2.0	1,555 (+5%)	13mo	$339,990	$219	72
7467 Sandstone Dr	0.20mi	3/2.0	1,555 (+5%)	13mo	$350,000	$225	71
7441 Capstone Dr	0.33mi	3/2.0	1,429 (-3%)	11mo	$322,265	$226	70
407 Oak Flat Aly	0.48mi	3/2.5	1,573 (+7%)	4mo	$321,980	$205	61
7327 Capstone Dr	0.47mi	3/2.0	1,603 (+9%)	10mo	$310,000	$193	56
7212 Big Cedar Aly	0.47mi	3/2.5	1,573 (+7%)	14mo	$297,154	$189	53
7252 Big Cedar Aly	0.43mi	3/2.5	1,573 (+7%)	18mo	$342,097	$217	52

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

Projected returns pro-forma

-3.0% appreciation · 1.67% rent growth · sell at horizon

5-year hold

• IRR: -32.8%
• Equity multiple: -0.06×
• Total profit: $-102,833
• Equity at exit: $51,673

10-year hold

• IRR: -48.0%
• Equity multiple: -0.62×
• Total profit: $-157,614
• Equity at exit: $29,964

Cash invested: $97,036 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 15 active · 21 under contract
• Months of supply: 11.2 mo (9%/mo absorbed)
• Median asking: $339,490 ($212/sqft)
• Median days on market: 94 d
• This list price: 33% of active listings are priced below it
• ARV vs active asking: +10.7% above current asking $/sqft

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

ZIP-level market 34736

• Home prices YoY: -22.5%
• Rents YoY: 1.7%
• Active inventory: 785
• Price-to-rent: 11.9×

Monthly cashflow live

• Estimated rent: $2,311 high
• Mortgage (P&I): −$1,817
• Tax est. 1.5%: −$433 /mo · $5,198/yr
• Insurance: −$144
• HOA: −$117
• Vacancy / Maint / Mgmt: −$485
• Net cashflow: $-687

Break-even live

Break-even rent $3,180

Max offer price $247,201

Occupancy floor —

Sensitivity live

Price	-10% $-447	-5% $-567	+0% $-687	+5% $-806	+10% $-926
Rent	-10% $-869	-5% $-778	+0% $-687	+5% $-595	+10% $-504
Rate	-1.0pp $-512	-0.5pp $-598	base $-687	+0.5pp $-776	+1.0pp $-868

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: $86,639
• Closing costs: $10,397
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7629 Waterscape Dr Groveland, FL	3.0	2.5	1404	$1,950	$1.39	30d	1	0.13mi
7633 Waterscape DR Groveland, FL	3.0	2.5	1558	$2,000	$1.28	10d	1	0.13mi
7412 Capstone Dr Groveland, FL	4.0	2.0	1848	$2,400	$1.30	10d	1	0.33mi
7201 Big Cedar Aly Groveland, FL	3.0	2.5	1500	$2,000	$1.33	119d	1	0.47mi
338 Ridgemark Ave Groveland, FL	4.0	2.0	1824	$2,300	$1.26	100d	1	0.51mi
253 Luxmore Rd Groveland, FL	3.0	2.0	1547	$2,100	$1.36	27d	1	0.68mi
2009 Sloans Outlook Dr Groveland, FL	3.0	2.0	1670	$2,300	$1.38	5d	1	1.17mi
6422 Quartet St Unit Na Mascotte, FL	3.0	2.0	1766	$2,395	$1.36	7d	1	1.35mi
6337 Chorus Dr Groveland, FL	3.0	2.0	1772	$2,250	$1.27	119d	1	1.43mi

Property features AI

Finance

• Financial info: List price $329,999

Exterior

• Parking: 2 total parking spaces2-car garage
• Home design: Single-family new construction (Finch plan)
• Exterior features: Located at 7677 Gemstone St, Groveland FL 34736Living area approximately 1,476

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Interior features: New construction Plan: Finch

Listing history 50 events

1. 2026-09-24
   days on market $329,999 Active 131 DOM
2. 2026-09-23
   days on market $329,999 Active 130 DOM
3. 2026-09-22
   days on market $329,999 Active 129 DOM
4. 2026-09-21
   days on market $329,999 Active 128 DOM
5. 2026-09-20
   days on market $329,999 Active 127 DOM
6. 2026-09-19
   days on market $329,999 Active 126 DOM
7. 2026-09-18
   days on market $329,999 Active 125 DOM
8. 2026-09-17
   days on market $329,999 Active 124 DOM
9. 2026-09-16
   days on market $329,999 Active 123 DOM
10. 2026-09-15
    days on market $329,999 Active 122 DOM
11. 2026-09-14
    days on market $329,999 Active 121 DOM
12. 2026-09-13
    days on market $329,999 Active 120 DOM
13. 2026-09-12
    days on market $329,999 Active 119 DOM
14. 2026-09-11
    days on market $329,999 Active 118 DOM
15. 2026-09-05
    days on market $329,999 Active 112 DOM
16. 2026-09-04
    days on market $329,999 Active 111 DOM
17. 2026-09-03
    days on market $329,999 Active 110 DOM
18. 2026-08-31
    days on market $329,999 Active 107 DOM
19. 2026-08-30
    days on market $329,999 Active 106 DOM
20. 2026-08-29
    days on market $329,999 Active 105 DOM
21. 2026-08-28
    days on market $329,999 Active 104 DOM
22. 2026-08-27
    days on market $329,999 Active 103 DOM
23. 2026-08-25
    days on market $329,999 Active 101 DOM
24. 2026-08-24
    days on market $329,999 Active 100 DOM
25. 2026-08-22
    days on market $329,999 Active 98 DOM
26. 2026-08-21
    days on market $329,999 Active 97 DOM
27. 2026-08-20
    days on market $329,999 Active 96 DOM
28. 2026-08-19
    days on market $329,999 Active 95 DOM
29. 2026-08-18
    days on market $329,999 Active 94 DOM
30. 2026-08-17
    days on market $329,999 Active 93 DOM
31. 2026-08-16
    days on market $329,999 Active 92 DOM
32. 2026-08-15
    days on market $329,999 Active 91 DOM
33. 2026-08-14
    days on market $329,999 Active 90 DOM
34. 2026-08-13
    days on market $329,999 Active 89 DOM
35. 2026-08-12
    days on market $329,999 Active 88 DOM
36. 2026-08-11
    days on market $329,999 Active 87 DOM
37. 2026-08-10
    days on market $329,999 Active 86 DOM
38. 2026-08-09
    days on market $329,999 Active 85 DOM
39. 2026-08-08
    days on market $329,999 Active 84 DOM
40. 2026-08-06
    days on market $329,999 Active 82 DOM
41. 2026-08-05
    days on market $329,999 Active 81 DOM
42. 2026-08-04
    days on market $329,999 Active 80 DOM
43. 2026-08-03
    days on market $329,999 Active 79 DOM
44. 2026-07-31
    days on market $329,999 Active 76 DOM
45. 2026-07-30
    days on market $329,999 Active 75 DOM
46. 2026-07-30
    days on market $329,999 Active 74 DOM
47. 2026-07-28
    days on market $329,999 Active 73 DOM
48. 2026-07-26
    days on market $329,999 Active 71 DOM
49. 2026-07-24
    days on market $329,999 Active 69 DOM
50. 2026-07-23
    days on market $329,999 Active 68 DOM

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $27,727
• − Mortgage interest: −$19,413
• − Property taxes: −$5,198
• − Insurance: −$1,733
• − Repairs & maintenance: −$2,218
• − Management: −$2,218
• − HOA: −$1,404
• − Depreciation: −$10,082
• Taxable loss: −$14,539
• Est. tax savings @ 24.0%: +$3,489
• After-tax cash flow: $-4,750/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 · 4 photos

Good 80/100 Cosmetic rehab Est. rehab $7,380–$22,140 screening

This single-story home is in good condition with a well-maintained exterior and interior. It offers a good balance of functionality and aesthetics, making it a solid investment opportunity.

Value-add opportunities

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics ↑
• Both Landscaping improvements — Enhances curb appeal and adds value ↑
• Resale Kitchen backsplash — Improves kitchen functionality and aesthetics ↑
• Resale Primary bath vanity upgrade — Enhances primary bathroom functionality and aesthetics ↑

ⓘ 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): 28,001
• Household income: $90,545
• Rent vs Own: 11.3% rent · 88.7% own
• Severe rent burden: 0% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 52% Hispanic / Latino 25% Two or more races 17% Black 15% Asian 4%
• Hispanic origin (detail): Mexican 3% Puerto Rican 15% Cuban 2%
• Common ancestry: Romanian 2% Hispanic 2% Lithuanian 1%
• Foreign-born: 13% · Canada, Guatemala
• Languages at home: 81% English-only · Spanish 14% French/Haitian/Cajun 2% Other Indo-European 1%

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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: ▼ -77.23%
• Current HPI: 265.3457
• Rent YoY: ▲ 1.67%
• Metro: Orlando-Kissimmee-Sanford, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

Property features AI

Finance

• Financial info: List price $329,999

Exterior

• Parking: 2 total parking spaces2-car garage
• Home design: Single-family new construction (Finch plan)
• Exterior features: Located at 7677 Gemstone St, Groveland FL 34736Living area approximately 1,476

Interior

• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Interior features: New construction Plan: Finch