207 Idaho Ave · Crystal Lake, FL 33801

$80,000

2 bd · 1.0 ba · 792 sqft · SingleFamily public records · 1 Days on market

Built 1953 7,510 sqft lot

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +3.5/10.0
• Livability +3.3/5.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

* * Investor Special, Cash Only * * Rehab or tear down 3 bedroom, 1 bathroom off of US 92 & County Road 33 A in Lakeland! No HOA and Flood Zone X! Home is being sold as-is and seller makes no warranties. NO sight-unseen will be reviewed and only end buyers please!

Key facts

• Flood zone x
• No hoa
• 7,510 sq ft lot

Tags

• NO HOA
• FLOOD ZONE X

Property features AI

Finance

• Other: Zoning: R-2
• Financial info: Lease restrictions: none
• HOA & community: No HOA

Exterior

• Parking: Parking details not provided
• Security: No security features listed
• Utilities: Public water; Septic sewer; Electricity connected
• Home design: Single-family residence; One story; Faces east; Listed condition: fixer
• Construction: Stucco and frame construction; Shingle roof; Crawlspace foundation; Originally built area approximately 792 sq ft
• Exterior features: Paved road access; Lot about 0.17 acre

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: No notable interior features listed; Inside utility room
• Laundry & utility: Laundry located inside

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $80k.

Deal economics

• At list price, monthly cash flow is $444 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).

Location & tenants

• Location reads 66/100 on livability (#620 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: schools C-, amenities F, commute F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+1.1%/yr); 253 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $553 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 1.1% rent growth), your $22k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 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.

Risks & watch-outs

• Watch-outs: built in 1953 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $80,000

Questions for the listing agent

1. Built in 1953 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 1.65% ✓
• Cap rate: 12.95%
• Cash-on-cash: 23.76%
• DSCR: 2.06
• GRM: 5.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.05% rent growth · sell at horizon

5-year hold

• IRR: 14.6%
• Equity multiple: 1.57×
• Total profit: $12,796
• Equity at exit: $11,928

10-year hold

• IRR: 21.8%
• Equity multiple: 2.68×
• Total profit: $37,699
• Equity at exit: $6,917

Cash invested: $22,400 (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 33801

• Home prices YoY: -15.9%
• Rents YoY: 1.1%
• Active inventory: 253
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $1,319 high
• Mortgage (P&I): −$420
• Tax from tax record: −$145 /mo · $1,743/yr
• Insurance: −$33
• HOA: −$0
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $444

Break-even live

Break-even rent $757

Max offer price $80,000

Occupancy floor 61%

Sensitivity live

Price	-10% $489	-5% $466	+0% $444	+5% $421	+10% $398
Rent	-10% $339	-5% $391	+0% $444	+5% $496	+10% $548
Rate	-1.0pp $484	-0.5pp $464	base $444	+0.5pp $423	+1.0pp $402

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: $20,000
• Closing costs: $2,400
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2184 Colonial Ave Lakeland, FL	3.0	2.0	1123	$1,645	$1.46	24d	1	0.28mi
2248 Weber St Lakeland, FL	2.0	1.0	640	$1,335	$2.09	4d	1	0.65mi
2023 Tennyson St Unit 2025 Lakeland, FL	2.0	1.0	884	$1,095	$1.24	24d	1	0.71mi
2417 Golfview St Lakeland, FL	3.0	1.0	798	$1,395	$1.75	11d	1	0.75mi
832 N Combee Rd Lakeland, FL	2.0	1.0	560	$1,195	$2.13	24d	1	0.84mi
3245 E Main St Lakeland, FL	2.0	1.0	750	$1,100	$1.47	24d	1	0.99mi
3245 E Main St Unit 2 Lakeland, FL	2.0	2.0	700	$1,250	$1.79	15d	1	0.99mi
1736 E Fern Rd Lakeland, FL	2.0	1.0	820	$1,325	$1.62	24d	1	1.08mi
2929 Nine Iron Dr Lakeland, FL	2.0	1.0	850	$875	$1.03	4d	1	1.15mi
2625 Kelly Ln Lakeland, FL	1.0	1.0	560	$1,200	$2.14	24d	1	1.19mi
2839 8 Iron Dr Unit 2841 Lakeland, FL	2.0	1.5	900	$1,397	$1.55	24d	1	1.23mi
2830 Skyview Dr Lakeland, FL	2.0	1.0	850	$1,175	$1.38	24d	1	1.25mi
1505 Goodyear Ave Unit 17 Lakeland, FL	2.0	1.0	792	$950	$1.20	24d	1	1.32mi
1885 N Crystal Lake Dr Apt 7 Lakeland, FL	2.0	1.5	900	$1,395	$1.55	24d	1	1.34mi
1108 Bartow Rd Lakeland, FL	1.0–2.0	1.0	797	$1,395	$1.75	4d	2	1.34mi
1104 Bartow Rd Lakeland, FL	1.0–2.0	1.0	760	$1,225	$1.61	24d	1	1.37mi
2437 Idlewild St Lakeland, FL	1.0	1.0	550	$1,099	$2.00	24d	1	1.37mi
2437 Idlewild St Lakeland, FL	1.0	1.0	550	$1,099	$2.00	15d	1	1.37mi
2415 Idlewild St Lakeland, FL	2.0	1.0	900	$1,300	$1.44	24d	1	1.39mi

Listing history 2 events

1. 2026-06-19
   remarks 269-char remark
2. 2026-06-19
   listed $80,000 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: $1,743 · $145/mo
• Projected year-2 tax: $1,743 · $145/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 8/10 Severe 7 d/yr ≥108°F today · 23 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,822
• − Mortgage interest: −$4,481
• − Property taxes: −$1,743
• − Insurance: −$400
• − Repairs & maintenance: −$1,266
• − Management: −$1,266
• − Depreciation: −$2,327
• Taxable income: $4,339
• Est. tax owed @ 24.0%: −$1,041
• After-tax cash flow: $4,281/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: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Crystal Lake

• Score: 66/100
• State rank: #620
• US rank: #12023

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Crystal Lake, FL
• County: Polk County · 740,051 people
• City population: 33,460
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 35,394
• Household income: $53,061
• Rent vs Own: 51.3% rent · 48.7% own
• Severe rent burden: 1291.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 60% Hispanic / Latino 19% Black 16% Two or more races 8% Asian 1%
• Hispanic origin (detail): Mexican 5% Puerto Rican 8% Cuban 3%
• Common ancestry: Romanian 2% Slovak 2% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 83% English-only · Spanish 14% French/Haitian/Cajun 1%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -70.91%
• Current HPI: 373.7159
• Rent YoY: ▲ 1.05%
• Metro: Lakeland-Winter Haven, 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

+150.0% since first listed

23 events — show timeline

• 2026-06-18 Listed $80,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-26 Rental Removed $1,503 RENTLY
• 2026-03-17 Listed for Rent $1,503 RENTLY
• 2021-12-17 Sold (Public Records) $404,897 Public Records
• 2018-09-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-09-19 Price Changed $79,900 Stellar MLS as Distributed by MLS Grid
• 2018-09-10 Relisted — Stellar MLS as Distributed by MLS Grid
• 2018-09-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-08-08 Price Changed $87,900 Stellar MLS as Distributed by MLS Grid
• 2018-08-07 Relisted — Stellar MLS as Distributed by MLS Grid
• 2018-08-02 Sold (Public Records) $65,000 Public Records
• 2018-07-26 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-07-11 Price Changed $89,900 Stellar MLS as Distributed by MLS Grid
• 2018-07-02 Price Changed $95,000 Stellar MLS as Distributed by MLS Grid
• 2018-06-21 Price Changed $98,900 Stellar MLS as Distributed by MLS Grid
• 2018-06-12 Listed $99,900 Stellar MLS as Distributed by MLS Grid
• 2018-06-07 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-05-14 Price Changed $99,900 Stellar MLS as Distributed by MLS Grid
• 2018-05-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2018-05-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-05-02 Listed $89,900 Stellar MLS as Distributed by MLS Grid
• 2016-05-20 Sold (Public Records) $26,000 Public Records
• 1994-07-28 Sold (Public Records) $32,000 Public Records

Property tax history

+18.6%/yr

Latest (2025): $1,743 · +5.1% YoY. Source: county tax records.