1002 Oakhill St · Lakeland, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 2/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 8/10 · Major
- Hot days now (above 108°F)
- 7 days/yr
- Hot days in 30 yrs
- 23 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 1 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C- 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 +15.0/30.0
- Appreciation +10.0/10.0
- ARV discount +7.5/15.0
- DSCR +4.6/10.0
- Rent growth +4.0/5.0
- Livability +3.9/5.0
- Schools +3.5/10.0
- 1% rule +3.3/10.0
- Condition / age +2.5/5.0
$192,000
🖨 Deal sheet 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Seller is engaged and looking to start a new life chapter! Beautiful cozy 2 bedroom home close to Lakeside Village shops, and close to I-4 and the Polk Parkway!!! Centrally located in beautiful Lakeland, walking distance to the RP Funding Center. This wonderful home has a new roof, installed November of 2016, as well as a new 2 ton 16 SEER A/C unit with a 10 year warranty, touch screen thermostat, and a hurricane cage to protect the outside unit. All new plumbing fron the inside of the home all the way out to the city sewer connection. Come in and enjoy laminate flooring in the bedrooms and living room. Wood flooring in the front enclosed porch that is climate controlled. The huge great room at the rear of the home can be setup for your dining room as well as plenty of room to entertain guests. Attached carport, and detached garage that can be used as storage, or a workshop!!! Call today to setup your personal tour!!!
Key facts
- Central cooling
- Convenient access
- Shingle roof
Tags
Property features AI
Finance
- Other: Lot roughly 0.15 acre (approximately 0.15 acres); Zoned RA-3; Homestead exempt; Property type: Residential — Single Family Residence; Directions: Hardin Blvd North from Ariana St, then east on Oakhill
- HOA & community: No HOA/association indicated
Exterior
- Parking: Driveway; Covered carport (1 space); Garage (approx. 18x12)
- Utilities: Public water; Public sewer; Cable available; Broadband/high-speed internet available; Electricity connected; Water connected; Sewer connected
- Home design: Single family residence; One level; Faces northeast; Residential property
- Construction: Block and stucco construction; Shingle roof; Slab foundation; Built with living area of approximately 1,176 (public records)
- Exterior features: Covered patio; Patio; Paved road access
Interior
- Kitchen: Dishwasher; Microwave; Range; Refrigerator
- Bedrooms: 2 bedrooms
- Flooring: Concrete; Laminate; Tile; Wood
- Bathrooms: 1 full bathroom
- Heating & cooling: Electric heating; Heat pump; Central air conditioning
- Interior features: Ceiling fans; Eat-in kitchen; Solid surface counters; Solid wood cabinets; Storage
- Laundry & utility: Washer; Dryer; Laundry in garage
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $192k.
Deal economics
- At list price, monthly cash flow is $61 ($726/yr) — positive.
- The deal already cash-flows at list — no discount required.
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $159k (17.1% below list).
- Recommended offer: $159k (17.1% below list) — sets the bar for 1% rule.
Location & tenants
- Location reads 77/100 on livability (#206 in FL, #3,179 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D+, 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 fast (+6.1%/yr); 72 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
- At $1,592/mo this rent would consume 51% of the median local household income ($37k/yr) (locally 700% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.
Forward outlook
- In year one you build about $21k of equity ($1k loan paydown + $19k appreciation (10.0% local appreciation)).
- Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (10.0% appreciation + 6.1% rent growth), your $54k cash investment doubles in ~3 years — after that, you're playing with house money.
- By year 2, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.
Negotiation context
- It's been on market 48 days — a 3% lower offer ($186k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 10y 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 $126k; list at $192k implies a 52% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1954 — 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.
Questions for the listing agent
- It's been on market 48 days. Have you received any prior offers? Is the seller open to a 17% concession, seller financing, or rate buy-down credit?
- Built in 1954 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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.
- 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.
- 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
- 0.83% ✗
- Cap rate
- 6.67%
- Cash-on-cash
- 1.35%
- DSCR
- 1.06
- GRM
- 10.0
CMA / ARV
No comps found within radius.
Projected returns pro-forma
10.0% appreciation · 6.14% rent growth · sell at horizon
- IRR
- 26.3%
- Equity multiple
- 3.11×
- Total profit
- $113,558
- Equity at exit
- $172,969
- IRR
- 23.8%
- Equity multiple
- 7.38×
- Total profit
- $343,217
- Equity at exit
- $373,014
Cash invested: $53,760 (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
ZIP-level market 33815
- Home prices YoY
- 12.6%
- Rents YoY
- 6.1%
- Active inventory
- 72
- Price-to-rent
- 10.0×
Monthly cashflow live
- Estimated rent
- $1,592 high interval (Pro) →
- Mortgage (P&I)
- −$1,007
- Tax from tax record
- −$111 /mo · $1,327/yr
- Insurance
- −$80
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$334
- Net cashflow
- $61
Break-even live
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
- $48,000
- Closing costs
- $5,760
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 1040 Ruby St Lakeland, FL | 3.0 | 2.0 | 1110 | $1,595 | $1.44 | 10d | 1 | 0.10mi |
| 808 S Central Ave Lakeland, FL | 2.0 | 1.0 | 700 | $1,100 | $1.57 | 23d | 1 | 0.21mi |
| 1246 Dorothy St Lakeland, FL | 3.0 | 2.0 | 1484 | $2,300 | $1.55 | 23d | 1 | 0.34mi |
| 1238 Herschell St Lakeland, FL | 2.0 | 1.0 | 1323 | $1,300 | $0.98 | 23d | 1 | 0.34mi |
| 1206 W Highland St Lakeland, FL | 2.0 | 1.0 | 972 | $1,495 | $1.54 | 23d | 1 | 0.35mi |
| 1139 Olive St Lakeland, FL | 2.0 | 2.0 | 984 | $1,725 | $1.75 | 3d | 1 | 0.36mi |
| 518 Pinewood Ave Lakeland, FL | 2.0 | 1.0 | 891 | $1,175 | $1.32 | 23d | 1 | 0.37mi |
| 1149 Sycamore St Unit 1149 Lakeland, FL | 2.0 | 2.0 | 970 | $1,700 | $1.75 | 23d | 1 | 0.41mi |
| 1301 W Walnut St Lakeland, FL | 3.0 | 1.0 | 756 | $1,300 | $1.72 | 14d | 1 | 0.43mi |
| 510 Dade Ave Lakeland, FL | 2.0 | 1.0 | 936 | $1,149 | $1.23 | 14d | 1 | 0.43mi |
| 512 Dade Ave Lakeland, FL | 2.0 | 1.0 | 936 | $1,149 | $1.23 | 23d | 1 | 0.43mi |
| 1213 W Patterson St Lakeland, FL | 3.0 | 1.0 | 840 | $1,350 | $1.61 | 14d | 1 | 0.45mi |
| 101 Lake Hunter Dr #8 Lakeland, FL | 2.0 | 1.0 | 905 | $1,400 | $1.55 | 23d | 1 | 0.48mi |
| 915 Ariana St Lakeland, FL | 2.0 | 2.0 | 819 | $1,395 | $1.70 | 3d | 1 | 0.61mi |
| 515 Oregon Ave Lakeland, FL | 3.0 | 2.0 | 1024 | $1,500 | $1.46 | 3d | 1 | 0.63mi |
| 1618 Wayman St Lakeland, FL | 3.0 | 1.0 | 994 | $1,750 | $1.76 | 23d | 1 | 0.64mi |
| 524 Montana Ave Lakeland, FL | 2.0 | 1.0 | 817 | $1,300 | $1.59 | 23d | 1 | 0.64mi |
| 1005 S New York Ave Unit 2 Lakeland, FL | 2.0 | 1.0 | 800 | $1,350 | $1.69 | 14d | 1 | 0.70mi |
| 1005 S New York Ave Unit 6 Lakeland, FL | 2.0 | 1.0 | 900 | $1,275 | $1.42 | 14d | 1 | 0.70mi |
| 607 Kansas Ave Lakeland, FL | 2.0 | 1.0 | 829 | $1,150 | $1.39 | 23d | 1 | 0.71mi |
| 302 W Park St Lakeland, FL | 3.0 | 2.0 | 1100 | $2,200 | $2.00 | 14d | 1 | 0.80mi |
| 1545 King Ave Lakeland, FL | 2.0 | 2.0 | 1020 | $1,450 | $1.42 | 3d | 1 | 0.80mi |
| 305 W Hancock St Lakeland, FL | 2.0 | 1.0 | 821 | $1,195 | $1.46 | 23d | 1 | 0.85mi |
| 455 Arapahoe Ave Lakeland, FL | 2.0 | 1.0 | 750 | $1,199 | $1.60 | 19d | 1 | 0.92mi |
| 457 Arapahoe Ave Lakeland, FL | 2.0 | 1.0 | 750 | $1,095 | $1.46 | 2d | 1 | 0.92mi |
| 1061 S Tennessee Ave Lakeland, FL | 2.0 | 2.5 | 1100 | $2,100 | $1.91 | 14d | 1 | 0.97mi |
| 1116 S Tennessee Ave Lakeland, FL | 2.0 | 1.0 | 761 | $1,250 | $1.64 | 23d | 1 | 1.02mi |
| 1112 South Blvd Unit E Lakeland, FL | 2.0 | 1.0 | 729 | $1,250 | $1.71 | 23d | 1 | 1.09mi |
| 519 Charles St Unit 1 Lakeland, FL | 2.0 | 1.5 | 1000 | $1,795 | $1.79 | 23d | 1 | 1.10mi |
| 411 E Park St Unit A Lakeland, FL | 2.0 | 1.5 | 1063 | $1,500 | $1.41 | 23d | 1 | 1.10mi |
| 411 E Park St Unit B Lakeland, FL | 2.0 | 1.5 | 1063 | $1,500 | $1.41 | 3d | 1 | 1.10mi |
| 830 W Beacon Rd #13 Lakeland, FL | 2.0 | 1.0 | 750 | $1,295 | $1.73 | 11d | 1 | 1.16mi |
| 830 W Beacon Rd Lakeland, FL | 1.0–2.0 | 1.0 | 690 | $1,295 | $1.88 | 23d | 2 | 1.16mi |
| 1 Lake Hollingsworth Dr Lakeland, FL | 3.0 | 2.0 | 1492 | $2,095 | $1.40 | 2d | 2 | 1.17mi |
| 270 E Bay St Lakeland, FL | 2.0 | 1.0–2.0 | 892 | $1,725 | $1.93 | 3d | 6 | 1.21mi |
| 809 Adams St Lakeland, FL | 3.0 | 1.0 | 1164 | $1,525 | $1.31 | 14d | 1 | 1.23mi |
| 728 Johnson Ave Unit 1234479P Lakeland, FL | 2.0 | 1.0 | 893 | $6,611 | $7.40 | 14d | 1 | 1.24mi |
| 738 N Lorri Ave Lakeland, FL | 4.0 | 2.5 | 1500 | $2,600 | $1.73 | 14d | 1 | 1.27mi |
| 1514 Alice Ave Lakeland, FL | 3.0 | 2.0 | 924 | $1,250 | $1.35 | 14d | 1 | 1.28mi |
| 400 W Beacon Rd Lakeland, FL | 1.0–2.0 | 1.0–2.0 | 862 | $2,001 | $2.32 | 3d | 6 | 1.31mi |
Listing history 29 events
-
2026-06-13statusdays on market $192,000 Pending 48 DOM
-
2026-06-10days on market $192,000 Active 45 DOM
-
2026-06-09days on market $192,000 Active 44 DOM
-
2026-06-08days on market $192,000 Active 43 DOM
-
2026-06-07days on market $192,000 Active 42 DOM
-
2026-06-05days on market $192,000 Active 39 DOM
-
2026-06-03days on market $192,000 Active 38 DOM
-
2026-06-03days on market $192,000 Active 37 DOM
-
2026-06-01days on market $192,000 Active 36 DOM
-
2026-05-31days on market $192,000 Active 35 DOM
-
2026-05-16price $192,000
-
2026-05-16status Active
-
2026-04-27status Pending
-
2026-04-07$199,900 Active
-
2018-12-05soldstatus $126,000
-
2018-11-19soldstatus $126,000 Sold 931-char remark
Show marketing remark (931 chars)
Seller is engaged and looking to start a new life chapter! Beautiful cozy 2 bedroom home close to Lakeside Village shops, and close to I-4 and the Polk Parkway!!! Centrally located in beautiful Lakeland, walking distance to the RP Funding Center. This wonderful home has a new roof, installed November of 2016, as well as a new 2 ton 16 SEER A/C unit with a 10 year warranty, touch screen thermostat, and a hurricane cage to protect the outside unit. All new plumbing fron the inside of the home all the way out to the city sewer connection. Come in and enjoy laminate flooring in the bedrooms and living room. Wood flooring in the front enclosed porch that is climate controlled. The huge great room at the rear of the home can be setup for your dining room as well as plenty of room to entertain guests. Attached carport, and detached garage that can be used as storage, or a workshop!!! Call today to setup your personal tour!!!
-
2018-10-17status Pending 931-char remark
Show marketing remark (931 chars)
Seller is engaged and looking to start a new life chapter! Beautiful cozy 2 bedroom home close to Lakeside Village shops, and close to I-4 and the Polk Parkway!!! Centrally located in beautiful Lakeland, walking distance to the RP Funding Center. This wonderful home has a new roof, installed November of 2016, as well as a new 2 ton 16 SEER A/C unit with a 10 year warranty, touch screen thermostat, and a hurricane cage to protect the outside unit. All new plumbing fron the inside of the home all the way out to the city sewer connection. Come in and enjoy laminate flooring in the bedrooms and living room. Wood flooring in the front enclosed porch that is climate controlled. The huge great room at the rear of the home can be setup for your dining room as well as plenty of room to entertain guests. Attached carport, and detached garage that can be used as storage, or a workshop!!! Call today to setup your personal tour!!!
-
2018-10-11price $124,900 931-char remark
Show marketing remark (931 chars)
Seller is engaged and looking to start a new life chapter! Beautiful cozy 2 bedroom home close to Lakeside Village shops, and close to I-4 and the Polk Parkway!!! Centrally located in beautiful Lakeland, walking distance to the RP Funding Center. This wonderful home has a new roof, installed November of 2016, as well as a new 2 ton 16 SEER A/C unit with a 10 year warranty, touch screen thermostat, and a hurricane cage to protect the outside unit. All new plumbing fron the inside of the home all the way out to the city sewer connection. Come in and enjoy laminate flooring in the bedrooms and living room. Wood flooring in the front enclosed porch that is climate controlled. The huge great room at the rear of the home can be setup for your dining room as well as plenty of room to entertain guests. Attached carport, and detached garage that can be used as storage, or a workshop!!! Call today to setup your personal tour!!!
-
2018-09-27price $135,000 931-char remark
Show marketing remark (931 chars)
Seller is engaged and looking to start a new life chapter! Beautiful cozy 2 bedroom home close to Lakeside Village shops, and close to I-4 and the Polk Parkway!!! Centrally located in beautiful Lakeland, walking distance to the RP Funding Center. This wonderful home has a new roof, installed November of 2016, as well as a new 2 ton 16 SEER A/C unit with a 10 year warranty, touch screen thermostat, and a hurricane cage to protect the outside unit. All new plumbing fron the inside of the home all the way out to the city sewer connection. Come in and enjoy laminate flooring in the bedrooms and living room. Wood flooring in the front enclosed porch that is climate controlled. The huge great room at the rear of the home can be setup for your dining room as well as plenty of room to entertain guests. Attached carport, and detached garage that can be used as storage, or a workshop!!! Call today to setup your personal tour!!!
-
2018-09-26price $144,900 931-char remark
Show marketing remark (931 chars)
Seller is engaged and looking to start a new life chapter! Beautiful cozy 2 bedroom home close to Lakeside Village shops, and close to I-4 and the Polk Parkway!!! Centrally located in beautiful Lakeland, walking distance to the RP Funding Center. This wonderful home has a new roof, installed November of 2016, as well as a new 2 ton 16 SEER A/C unit with a 10 year warranty, touch screen thermostat, and a hurricane cage to protect the outside unit. All new plumbing fron the inside of the home all the way out to the city sewer connection. Come in and enjoy laminate flooring in the bedrooms and living room. Wood flooring in the front enclosed porch that is climate controlled. The huge great room at the rear of the home can be setup for your dining room as well as plenty of room to entertain guests. Attached carport, and detached garage that can be used as storage, or a workshop!!! Call today to setup your personal tour!!!
-
2018-09-20$145,000 Active 931-char remark
Show marketing remark (931 chars)
Seller is engaged and looking to start a new life chapter! Beautiful cozy 2 bedroom home close to Lakeside Village shops, and close to I-4 and the Polk Parkway!!! Centrally located in beautiful Lakeland, walking distance to the RP Funding Center. This wonderful home has a new roof, installed November of 2016, as well as a new 2 ton 16 SEER A/C unit with a 10 year warranty, touch screen thermostat, and a hurricane cage to protect the outside unit. All new plumbing fron the inside of the home all the way out to the city sewer connection. Come in and enjoy laminate flooring in the bedrooms and living room. Wood flooring in the front enclosed porch that is climate controlled. The huge great room at the rear of the home can be setup for your dining room as well as plenty of room to entertain guests. Attached carport, and detached garage that can be used as storage, or a workshop!!! Call today to setup your personal tour!!!
-
2016-08-03soldstatus $54,900 Sold 165-char remark
Show marketing remark (165 chars)
* * * THIS IS NOT A SHORT SALE OR BANK OWNED * * * CASH OFFERS ONLY DUE TO CONDITION. BRING YOUR GC AND TOOL BELT. .. .. . BLOCK HOME . .. HURRY . . CASH ONLY
-
2016-07-23status Pending 165-char remark
Show marketing remark (165 chars)
* * * THIS IS NOT A SHORT SALE OR BANK OWNED * * * CASH OFFERS ONLY DUE TO CONDITION. BRING YOUR GC AND TOOL BELT. .. .. . BLOCK HOME . .. HURRY . . CASH ONLY
-
2016-07-13price $59,900 165-char remark
Show marketing remark (165 chars)
* * * THIS IS NOT A SHORT SALE OR BANK OWNED * * * CASH OFFERS ONLY DUE TO CONDITION. BRING YOUR GC AND TOOL BELT. .. .. . BLOCK HOME . .. HURRY . . CASH ONLY
-
2016-06-19$69,900 Active 165-char remark
Show marketing remark (165 chars)
* * * THIS IS NOT A SHORT SALE OR BANK OWNED * * * CASH OFFERS ONLY DUE TO CONDITION. BRING YOUR GC AND TOOL BELT. .. .. . BLOCK HOME . .. HURRY . . CASH ONLY
-
2003-01-14soldstatus $67,500
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2000-05-26soldstatus $36,000
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1997-07-03soldstatus $49,900
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1995-11-22soldstatus $42,000
ⓘ 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
- $1,327 · $111/mo
- Projected year-2 tax
- $1,594 · $133/mo
- Expected delta
- +$266/yr (+$22/mo · 20.1%)
ⓘ 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 8/10 Severe 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $19,109
- − Mortgage interest
- −$10,755
- − Property taxes
- −$1,327
- − Insurance
- −$960
- − Repairs & maintenance
- −$1,529
- − Management
- −$1,529
- − Depreciation
- −$5,585
- Taxable loss
- −$2,576
- Est. tax savings @ 24.0%
- +$618
- After-tax cash flow
- $1,345/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 — Lakeland
- Score
- 77/100
- State rank
- #206
- US rank
- #3179
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Lakeland, FL
- County
- Polk County · 740,051 people
- City population
- 277,690
- Metro
- Lakeland-Winter Haven, FL
- Population (ZIP)
- 13,975
- Household income
- $37,487
- Rent vs Own
- Severe rent burden
- 700.0
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 0.67)
- Race & ethnicity
- White 43% Black 27% Hispanic / Latino 26% Two or more races 10% Asian 1%
- Hispanic origin (detail)
- Mexican 12% Puerto Rican 10%
- Common ancestry
- Romanian 1% German 1% Lithuanian 1%
- Foreign-born
- 11% · Canada, Jamaica, China
- Languages at home
- 75% English-only · Spanish 23% German/W. Germanic 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
- ▲ 47.45%
- Current HPI
- 424.0956
- Rent YoY
- ▲ 6.14%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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||
| Homebuilding | 1 | $35B |
|
||
| Technology Manufacturing | 1 | $35B |
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Price history
+357.1% since first listed19 events — show timeline
- 2026-05-16 Price Changed $192,000 Stellar MLS as Distributed by MLS Grid
- 2026-05-16 Relisted — Stellar MLS as Distributed by MLS Grid
- 2026-04-27 Pending — Stellar MLS as Distributed by MLS Grid
- 2026-04-07 Listed $199,900 Stellar MLS as Distributed by MLS Grid
- 2018-12-05 Sold (Public Records) $126,000 Public Records
- 2018-11-19 Sold (MLS) $126,000 Stellar MLS as Distributed by MLS Grid
- 2018-10-17 Pending — Stellar MLS as Distributed by MLS Grid
- 2018-10-11 Price Changed $124,900 Stellar MLS as Distributed by MLS Grid
- 2018-09-27 Price Changed $135,000 Stellar MLS as Distributed by MLS Grid
- 2018-09-26 Price Changed $144,900 Stellar MLS as Distributed by MLS Grid
- 2018-09-20 Listed $145,000 Stellar MLS as Distributed by MLS Grid
- 2016-08-03 Sold (MLS) $54,900 Stellar MLS as Distributed by MLS Grid
- 2016-07-23 Pending — Stellar MLS as Distributed by MLS Grid
- 2016-07-13 Price Changed $59,900 Stellar MLS as Distributed by MLS Grid
- 2016-06-19 Listed $69,900 Stellar MLS as Distributed by MLS Grid
- 2003-01-14 Sold (Public Records) $67,500 Public Records
- 2000-05-26 Sold (Public Records) $36,000 Public Records
- 1997-07-03 Sold (Public Records) $49,900 Public Records
- 1995-11-22 Sold (Public Records) $42,000 Public Records
Property tax history
+8.1%/yrLatest (2025): $1,327 · +3.8% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…