889 W Village Dr · Deltona, FL 32725

$244,900

2 bd · 1.0 ba · 682 sqft · SingleFamily public records · 103 Days on market

Built 1967 10,880 sqft lot

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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 +6.9/30.0
• Schools +3.9/10.0
• Livability +3.6/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• 1% rule +1.6/10.0
• DSCR +1.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This charming and well-maintained home offers comfortable living with numerous recent upgrades and a spacious homesite. Featuring 3 bedrooms plus a versatile bonus room, the property provides flexible living space ideal for a home office, playroom, guest room, or additional living area. The home includes one full bathroom and an oversized one-car attached garage complete with a built-in workstation, making it perfect for storage, hobbies, or projects. Additional exterior storage is available in the 10' x 12' storage shed, providing convenient space for tools and equipment. Recent improvements enhance both efficiency and peace of mind, including new energy-efficient windows, upgraded attic insulation, a new electrical panel with upgraded service, and a new water heater. The kitchen has also been updated with new cabinetry, new countertops, and stainless-steel appliances, creating a bright and functional cooking space. The home features central HVAC and abundant natural light throughout, giving the interior a welcoming light and bright atmosphere. Situated on a large homesite with a fully fenced backyard, the property offers ample outdoor space for entertaining, pets, gardening, or future improvements. The home is also high and dry and not located within a flood zone, providing additional confidence for homeowners. Conveniently located with easy access to Interstate 4, this property offers excellent connectivity to major employment centers, shopping, dining, and all that Central Florida has to offer. A wonderful opportunity to own a move-in ready home with upgrades, space, and a highly convenient location.

Key facts

• Built-in workstation
• 10 x 12 storage shed
• Versatile bonus room

Tags

• VERSATILE BONUS ROOM
• OVERSIZED ONE-CAR GARAGE
• BUILT-IN WORKSTATION
• 10 X 12 STORAGE SHED
• ENERGY-EFFICIENT WINDOWS
• UPGRADED ATTIC INSULATION

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $245k.

Deal economics

• At list price, monthly cash flow is $-369 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $180k (26.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $161k (34.3% below list).
• Recommended offer: $161k (34.3% 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: 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.
• Zoned schools: Spirit Elementary School (math 41% / reading 48%, grade F, #1,288 of 2,144 statewide, top 62%, 681 students, 64% FRL); Deltona Middle School (math 37% / reading 43%, grade F, #368 of 571 statewide, top 65%, 1,146 students, 60% FRL); Deltona High School (math 27% / reading 46%, grade F, #351 of 667 statewide, top 54%, 1,851 students, 52% FRL).
• Market conditions: Rents flat; 421 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 $2k of loan paydown is wiped out by about $7k 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 103 days — a 9% lower offer ($223k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $75k; list at $245k implies a 227% 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 $160,877 (34.3% 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 103 days. Have you received any prior offers? Is the seller open to a 34% concession, seller financing, or rate buy-down credit?
3. Built in 1967 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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: 0.66% ✗
• Cap rate: 4.49%
• Cash-on-cash: -6.45%
• DSCR: 0.71
• GRM: 12.7

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: -30.0%
• Equity multiple: 0.02×
• Total profit: $-66,943
• Equity at exit: $36,515

10-year hold

• IRR: -45.0%
• Equity multiple: -0.51×
• Total profit: $-103,329
• Equity at exit: $21,174

Cash invested: $68,572 (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: 421
• Price-to-rent: 12.7×

Monthly cashflow live

• Estimated rent: $1,609 medium
• Mortgage (P&I): −$1,284
• Tax from tax record: −$253 /mo · $3,038/yr
• Insurance: −$102
• HOA: −$0
• Vacancy / Maint / Mgmt: −$338
• Net cashflow: $-369

Break-even live

Break-even rent $2,075

Max offer price $179,799

Occupancy floor —

Sensitivity live

Price	-10% $-230	-5% $-299	+0% $-369	+5% $-438	+10% $-507
Rent	-10% $-496	-5% $-432	+0% $-369	+5% $-305	+10% $-241
Rate	-1.0pp $-245	-0.5pp $-306	base $-369	+0.5pp $-432	+1.0pp $-497

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: $61,225
• Closing costs: $7,347
• Reserves months: —
• Total cash needed: —

Listing history 23 events

1. 2026-06-22
   days on market $244,900 Active 103 DOM
2. 2026-06-18
   days on market $244,900 Active 100 DOM
3. 2026-06-17
   days on market $244,900 Active 99 DOM
4. 2026-06-16
   days on market $244,900 Active 98 DOM
5. 2026-06-15
   days on market $244,900 Active 97 DOM
6. 2026-06-14
   pricedays on market $244,900 Active 95 DOM
7. 2026-06-10
   days on market $249,900 Active 92 DOM
8. 2026-06-09
   days on market $249,900 Active 91 DOM
9. 2026-06-08
   days on market $249,900 Active 90 DOM
10. 2026-06-07
    days on market $249,900 Active 89 DOM
11. 2026-06-05
    days on market $249,900 Active 86 DOM
12. 2026-06-03
    days on market $249,900 Active 85 DOM
13. 2026-06-03
    days on market $249,900 Active 84 DOM
14. 2026-06-01
    days on market $249,900 Active 83 DOM
15. 2026-05-31
    days on market $249,900 Active 82 DOM
16. 2026-05-31
    days on market $249,900 Active 81 DOM
17. 2026-04-17
    price $249,900 1631-char remark

    Show marketing remark (1631 chars)

    This charming and well-maintained home offers comfortable living with numerous recent upgrades and a spacious homesite. Featuring 3 bedrooms plus a versatile bonus room, the property provides flexible living space ideal for a home office, playroom, guest room, or additional living area. The home includes one full bathroom and an oversized one-car attached garage complete with a built-in workstation, making it perfect for storage, hobbies, or projects. Additional exterior storage is available in the 10' x 12' storage shed, providing convenient space for tools and equipment. Recent improvements enhance both efficiency and peace of mind, including new energy-efficient windows, upgraded attic insulation, a new electrical panel with upgraded service, and a new water heater. The kitchen has also been updated with new cabinetry, new countertops, and stainless-steel appliances, creating a bright and functional cooking space. The home features central HVAC and abundant natural light throughout, giving the interior a welcoming light and bright atmosphere. Situated on a large homesite with a fully fenced backyard, the property offers ample outdoor space for entertaining, pets, gardening, or future improvements. The home is also high and dry and not located within a flood zone, providing additional confidence for homeowners. Conveniently located with easy access to Interstate 4, this property offers excellent connectivity to major employment centers, shopping, dining, and all that Central Florida has to offer. A wonderful opportunity to own a move-in ready home with upgrades, space, and a highly convenient location.

18. 2026-03-10
    listed $259,900 Active 1631-char remark

    Show marketing remark (1631 chars)

    This charming and well-maintained home offers comfortable living with numerous recent upgrades and a spacious homesite. Featuring 3 bedrooms plus a versatile bonus room, the property provides flexible living space ideal for a home office, playroom, guest room, or additional living area. The home includes one full bathroom and an oversized one-car attached garage complete with a built-in workstation, making it perfect for storage, hobbies, or projects. Additional exterior storage is available in the 10' x 12' storage shed, providing convenient space for tools and equipment. Recent improvements enhance both efficiency and peace of mind, including new energy-efficient windows, upgraded attic insulation, a new electrical panel with upgraded service, and a new water heater. The kitchen has also been updated with new cabinetry, new countertops, and stainless-steel appliances, creating a bright and functional cooking space. The home features central HVAC and abundant natural light throughout, giving the interior a welcoming light and bright atmosphere. Situated on a large homesite with a fully fenced backyard, the property offers ample outdoor space for entertaining, pets, gardening, or future improvements. The home is also high and dry and not located within a flood zone, providing additional confidence for homeowners. Conveniently located with easy access to Interstate 4, this property offers excellent connectivity to major employment centers, shopping, dining, and all that Central Florida has to offer. A wonderful opportunity to own a move-in ready home with upgrades, space, and a highly convenient location.

19. 2005-07-09
    soldstatus $75,000
20. 2005-07-09
    soldstatus $75,000
21. 2003-11-05
    soldstatus $57,000
22. 2002-02-08
    soldstatus $42,700
23. 1999-02-11
    soldstatus $38,000

ⓘ 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: $3,038 · $253/mo
• Projected year-2 tax: $3,038 · $253/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 4/10 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: $19,305
• − Mortgage interest: −$13,718
• − Property taxes: −$3,038
• − Insurance: −$1,224
• − Repairs & maintenance: −$1,544
• − Management: −$1,544
• − Depreciation: −$7,124
• Taxable loss: −$8,888
• Est. tax savings @ 24.0%: +$2,133
• After-tax cash flow: $-2,289/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

+557.6% since first listed

7 events — show timeline

• 2026-04-17 Price Changed $249,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-10 Listed $259,900 Stellar MLS as Distributed by MLS Grid
• 2005-07-09 Sold (Public Records) $75,000 Public Records
• 2005-07-09 Sold (Public Records) $75,000 Public Records
• 2003-11-05 Sold (Public Records) $57,000 Public Records
• 2002-02-08 Sold (Public Records) $42,700 Public Records
• 1999-02-11 Sold (Public Records) $38,000 Public Records

Property tax history

+9.9%/yr

Latest (2025): $3,038 · +3.3% YoY. Source: county tax records.