7401 13th Ave W · Bradenton, FL 34209

$340,000

3 bd · 2.0 ba · 1,902 sqft · SingleFamily public records · 3 Days on market

Built 1973 9,278 sqft lot Est $527k · 35% under

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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 +19.6/30.0
• ARV discount +15.0/15.0
• DSCR +6.2/10.0
• Schools +4.4/10.0
• 1% rule +4.3/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. NEW TO MARKET- more photos coming soon! location. .. Location. .. LOCATION! UNLOCK YOUR COASTAL VISION! Why choose between the city and the sand when you can have it all? Perfectly positioned in the heart of convenience, this property puts the very best of Bradenton right at your doorstep. Whether you’re a beach lover, a commuter, or a weekend explorer, this location is the ultimate "home base. " Unlock incredible potential in one of Bradenton’s most sought-after pockets! If you’ve been searching for a true diamond in the rough, your search ends here. This property offers a rare opportunity to build significant equity

Key facts

• Downtown bradenton
• Medical centers
• Shopping

Tags

• PRISTINE GULF BEACHES
• DOWNTOWN BRADENTON
• DINING
• SHOPPING
• SCHOOLS
• MEDICAL CENTERS

Property features AI

Finance

• Other: Homestead exempt; No lease restrictions
• HOA & community: No association fees

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Public water; Public sewer; Electricity connected; Water and sewer connected
• Home design: Single family residence; One story; North-facing entry; Residential property in fixer condition
• Construction: Block construction; Shingle roof; Slab foundation; Built on one level
• Exterior features: Sliding doors; Asphalt road access

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Linoleum
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Split bedroom layout; Window treatments; 8 total rooms
• Laundry & utility: Washer; Dryer; Laundry located in garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $340k.

Deal economics

• At list price, monthly cash flow is $391 ($5k/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 $317k (6.7% below list).
• Recommended offer: $317k (6.7% below list) — sets the bar for 1% rule.
• Cap rate 7.7% vs local median 3.6% in Bradenton — 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 81/100 on livability (#101 in FL, #1,528 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, crime D, amenities F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Palma Sola Elementary School (math 72% / reading 59%, grade B+, #500 of 2,144 statewide, top 24%, 434 students, 56% FRL); Manatee High School (math 32% / reading 47%, grade F, #304 of 667 statewide, top 47%, 1,983 students, 59% FRL).
• Market conditions: Rents soft (-0.3%/yr); 510 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• At $3,171/mo this rent would consume 47% of the median local household income ($82k/yr) (locally 1126% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

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.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $317,139 (6.7% below list)

Questions for the listing agent

1. Built in 1973 — 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. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
4. 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.
5. 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.
6. 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: 0.93% ✗
• Cap rate: 7.67%
• Cash-on-cash: 4.93%
• DSCR: 1.22
• GRM: 8.9

CMA / ARV

• ARV (on-the-fly): $526,854
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7207 11th Ave W	0.16mi	3/2.0	1,880 (-1%)	2mo	$484,030	$257	89
1306 70th St W	0.26mi	3/2.0	1,852 (-3%)	3mo	$557,000	$301	81
1109 DE Narvaez Ave	0.25mi	4/2.5 (+1)	2,000 (+5%)	2mo	$820,000	$410	71
6802 8th Ave W	0.51mi	2/2.0 (-1)	1,913 (+1%)	3mo	$300,000	$157	68
7208 Pointe West Blvd	0.50mi	3/3.0	1,796 (-6%)	2mo	$515,000	$287	62
6622 10th Ave W #5707	0.50mi	2/2.0 (-1)	1,745 (-8%)	3mo	$290,000	$166	56
7211 25th Dr W	0.73mi	3/2.0	1,728 (-9%)	2mo	$615,000	$356	49
6910 Arbor Oaks Ct	0.74mi	3/2.0	1,730 (-9%)	3mo	$479,000	$277	48
1413 63rd St W	0.69mi	3/2.0	1,660 (-13%)	1mo	$420,000	$253	46
6520 10th Ave W #5714	0.56mi	2/2.0 (-1)	2,153 (+13%)	1mo	$300,000	$139	46
7807 Senrab Dr	0.56mi	2/2.0 (-1)	1,626 (-14%)	1mo	$536,000	$330	44
7904 4th Ave W	0.70mi	3/2.0	1,650 (-13%)	2mo	$365,000	$221	44

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -11.8%
• Equity multiple: 0.58×
• Total profit: $-39,587
• Equity at exit: $50,695

10-year hold

• IRR: -7.3%
• Equity multiple: 0.59×
• Total profit: $-38,723
• Equity at exit: $29,397

Cash invested: $95,200 (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 34209

• Rents YoY: -0.3%
• Active inventory: 510
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $3,171 high
• Mortgage (P&I): −$1,783
• Tax from tax record: −$190 /mo · $2,278/yr
• Insurance: −$142
• HOA: −$0
• Vacancy / Maint / Mgmt: −$666
• Net cashflow: $391

Break-even live

Break-even rent $2,677

Max offer price $340,000

Occupancy floor 83%

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: $85,000
• Closing costs: $10,200
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7207 15th Avenue Dr W Bradenton, FL	3.0	2.0	1719	$3,495	$2.03	23d	1	0.20mi
1008 Estremadura Dr Bradenton, FL	3.0	2.0	1698	$2,995	$1.76	23d	1	0.29mi
6914 20th Ave W Bradenton, FL	2.0	2.0	1383	$2,795	$2.02	16d	1	0.48mi
7516 22nd Ave W Unit 1244473P Bradenton, FL	4.0	2.0	1593	$5,058	$3.18	12d	1	0.52mi
7507 4th Ave W Unit 1546087P Bradenton, FL	3.0	2.0	1474	$2,258	$1.53	16d	1	0.60mi
6652 7th Avenue Cir W Bradenton, FL	3.0	2.0	1495	$2,800	$1.87	14d	1	0.62mi
6640 7th Avenue Cir W Unit 1513 Bradenton, FL	3.0	2.0	1610	$3,600	$2.24	23d	1	0.64mi
6646 7th Avenue Cir W Bradenton, FL	2.0	2.0	1440	$2,500	$1.74	23d	1	0.64mi
6446 7th Avenue Cir W Unit 6446 Bradenton, FL	2.0	2.0	1440	$2,400	$1.67	23d	1	0.67mi
6618 7th Ave Cir W #1404 Bradenton, FL	2.0	2.0	1440	$3,400	$2.36	23d	1	0.67mi
6448 7th Avenue Cir W Bradenton, FL	3.0	2.0	1482	$3,100	$2.09	23d	1	0.68mi
7909 4th Ave W #12 Bradenton, FL	3.0	2.0	1900	$2,895	$1.52	23d	1	0.68mi
6904 Manatee Ave W Bradenton, FL	1.0–3.0	1.0–2.0	1068	$2,050	$1.92	1d	76	0.74mi
6908 Arbor Oaks Cir Bradenton, FL	3.0	2.0	1600	$3,200	$2.00	3d	1	0.75mi
6108 10th Ave W Bradenton, FL	3.0	2.0	1534	$7,000	$4.56	23d	1	0.82mi
6415 21st Ave W Bradenton, FL	1.0–2.0	1.0–2.0	1150	$1,896	$1.65	3d	5	0.82mi
5911 7th Avenue Dr W Bradenton, FL	3.0	2.0	1684	$2,595	$1.54	23d	1	1.00mi
7412 5th Ave NW Bradenton, FL	3.0	2.0	1608	$2,900	$1.80	14d	1	1.08mi
7710 34th Ave W #303 Bradenton, FL	3.0	2.5	1854	$3,500	$1.89	16d	1	1.17mi
7710 34th Ave W #202 Bradenton, FL	2.0	2.0	1650	$3,000	$1.82	23d	1	1.17mi
7740 34th Ave W #203 Bradenton, FL	3.0	2.5	1854	$3,500	$1.89	23d	1	1.18mi
7610 34th Ave W Unit 203 Bradenton, FL	3.0	2.5	1857	$3,000	$1.62	23d	1	1.19mi
7610 34th Ave W #102 Bradenton, FL	2.0	2.0	1657	$2,600	$1.57	23d	1	1.19mi
6709 35th Ave W Unit 1346494P Bradenton, FL	3.0	2.0	1227	$4,527	$3.69	16d	1	1.24mi
7840 34th Ave W #202 Bradenton, FL	2.0	2.0	1650	$3,000	$1.82	23d	1	1.28mi
7840 34th Ave W #102 Bradenton, FL	2.0	2.0	1650	$2,800	$1.70	23d	1	1.28mi
7930 34th Ave W #102 Bradenton, FL	2.0	2.0	1657	$6,000	$3.62	23d	1	1.29mi
7930 34th Ave W #303 Bradenton, FL	3.0	2.5	1854	$4,000	$2.16	16d	1	1.29mi
3450 77th St W #303 Bradenton, FL	3.0	2.5	1857	$5,400	$2.91	23d	1	1.31mi
5513 3rd Avenue Plz W Bradenton, FL	3.0	2.0	1282	$2,019	$1.57	3d	1	1.32mi
7707 9th Avenue Dr NW Bradenton, FL	3.0	2.0	1785	$4,500	$2.52	23d	1	1.34mi
709 84th St NW Bradenton, FL	3.0	2.0	1360	$3,500	$2.57	20d	1	1.35mi
4122 Overture Cir #533 Bradenton, FL	3.0	2.0	1381	$2,900	$2.10	23d	1	1.35mi
3412 79th Street Cir W #103 Bradenton, FL	3.0	2.5	1854	$3,500	$1.89	23d	1	1.36mi
912 72nd St NW Bradenton, FL	3.0	2.0	1544	$3,800	$2.46	23d	1	1.36mi
3418 79th Street Cir W #302 Bradenton, FL	2.0	2.0	1657	$2,949	$1.78	16d	1	1.37mi
3426 79th Street Cir W #203 Bradenton, FL	3.0	2.5	1857	$5,100	$2.75	23d	1	1.37mi
7242 Hamilton Rd Bradenton, FL	3.0	2.5	1520	$2,800	$1.84	3d	1	1.39mi
5111 13th Avenue Dr W Bradenton, FL	3.0	2.0	1778	$3,700	$2.08	23d	1	1.43mi
7202 Hamilton Rd Unit 7202 Bradenton, FL	3.0	2.0	1277	$2,250	$1.76	16d	1	1.45mi

Listing history 2 events

1. 2026-05-08
   status Pending
2. 2026-05-04
   listed $340,000 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: $2,278 · $190/mo
• Projected year-2 tax: $2,822 · $235/mo
• Expected delta: +$544/yr (+$45/mo · 23.9%)

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 29 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $38,057
• − Mortgage interest: −$19,045
• − Property taxes: −$2,278
• − Insurance: −$1,700
• − Repairs & maintenance: −$3,045
• − Management: −$3,045
• − Depreciation: −$9,891
• Taxable loss: −$946
• Est. tax savings @ 24.0%: +$227
• After-tax cash flow: $4,918/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: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — Bradenton

• Score: 81/100
• State rank: #101
• US rank: #1528

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bradenton, FL
• County: Manatee County · 416,364 people
• City population: 227,091
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 33,224
• Household income: $81,728
• Rent vs Own: 21.8% rent · 78.2% own
• Severe rent burden: 1126.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 11% Two or more races 6% Black 2% Asian 1%
• Hispanic origin (detail): Puerto Rican 4% Cuban 3%
• Common ancestry: Romanian 3% Slovak 3% Lithuanian 3%
• Foreign-born: 9% · Canada, Jamaica, China
• Languages at home: 90% English-only · Spanish 6% Russian/Polish/Slavic 1% Other Indo-European 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -360.34%
• Current HPI: 320.0061
• Rent YoY: ▼ -0.30%
• Metro: North Port-Sarasota-Bradenton, 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

2 events — show timeline

• 2026-05-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-04 Listed $340,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+2.0%/yr

Latest (2025): $2,278 · +3.2% YoY. Source: county tax records.