1430 E New York Ave · DeLand, FL 32724

$169,900

4 bd · 1.0 ba · 1,266 sqft · Other public records · 168 Days on market

Built 1926 0.52 ac 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
• DSCR +10.0/10.0
• 1% rule +7.8/10.0
• ARV discount +7.5/15.0
• Schools +3.9/10.0
• Livability +3.4/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

Key facts

• Fully fenced
• Commercial workshop
• Live work conversion

Tags

• MIXED USE OPPORTUNITY
• COMMERCIAL WORKSHOP
• LIVE WORK CONVERSION
• DETACHED COMMERCIAL WORKSHOP
• FULLY FENCED
• PRIVATE BACK ENTRANCE

What this means for you Summary

Snapshot

• This is a 4-bed/1.0-bath other listed at $170k.

Deal economics

• At list price, monthly cash flow is $671 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Recommended offer: $150k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 68/100 on livability (#498 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A, crime B; Watch: schools D+, 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.
• Market conditions: Rents rising (+2.8%/yr); 662 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 3,402 units permitted in Volusia County in 2024 (681 in 5+ unit buildings).
• This rent runs 36% of the median local income ($74k/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 $1k of loan paydown is wiped out by about $5k 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.
• At projected returns (-3.0% appreciation + 2.8% rent growth), your $48k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 168 days — a 12% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 19y ago; this cycle's ask has dropped $280k (62%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $98k; list at $170k implies a 74% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1926 — expect roof / HVAC / electrical / plumbing capex.
• 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 $149,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 168 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1926 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 1.28% ✓
• Cap rate: 11.03%
• Cash-on-cash: 16.92%
• DSCR: 1.75
• GRM: 6.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.82% rent growth · sell at horizon

5-year hold

• IRR: 7.9%
• Equity multiple: 1.31×
• Total profit: $14,761
• Equity at exit: $25,333

10-year hold

• IRR: 17.0%
• Equity multiple: 2.39×
• Total profit: $66,089
• Equity at exit: $14,690

Cash invested: $47,572 (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 32724

• Rents YoY: 2.8%
• Active inventory: 662
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $2,181 high
• Mortgage (P&I): −$891
• Tax from tax record: −$90 /mo · $1,083/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$458
• Net cashflow: $671

Break-even live

Break-even rent $1,332

Max offer price $169,900

Occupancy floor 64%

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: $42,475
• Closing costs: $5,097
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1422 Saffron Trl Deland, FL	3.0	2.5	1688	$1,995	$1.18	11d	1	0.51mi
109 S Colorado Ave Unit A DeLand, FL	3.0	2.0	1659	$2,100	$1.27	23d	1	0.66mi
903 E New York Ave DeLand, FL	3.0	2.0	1500	$2,200	$1.47	23d	1	0.83mi
727 Wood St Deland, FL	3.0	1.0	900	$1,329	$1.48	19d	1	1.02mi
555 E Voorhis Ave Unit 1 DeLand, FL	3.0	2.0	1750	$1,195	$0.68	23d	1	1.19mi
610 N Kentucky Ave Deland, FL	3.0	2.0	1161	$1,800	$1.55	23d	1	1.48mi

Listing history 28 events

1. 2026-06-14
   statusdays on market $169,900 Pending 168 DOM
2. 2026-06-10
   days on market $169,900 Active 166 DOM
3. 2026-06-09
   days on market $169,900 Active 165 DOM
4. 2026-06-08
   days on market $169,900 Active 164 DOM
5. 2026-06-07
   days on market $169,900 Active 163 DOM
6. 2026-06-05
   pricedays on market $169,900 Active 160 DOM
7. 2026-06-03
   days on market $199,999 Active 159 DOM
8. 2026-06-03
   days on market $199,999 Active 158 DOM
9. 2026-06-01
   days on market $199,999 Active 157 DOM
10. 2026-05-31
    days on market $199,999 Active 156 DOM
11. 2026-05-31
    days on market $199,999 Active 155 DOM
12. 2026-05-07
    price $199,999 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

13. 2026-05-07
    status Active 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

14. 2026-04-13
    status Pending 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

15. 2026-04-01
    status Active 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

16. 2026-03-31
    historical 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

17. 2026-03-16
    price $249,900 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

18. 2026-03-04
    price $265,000 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

19. 2026-01-31
    price $285,000 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

20. 2025-12-15
    price $399,000 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

21. 2025-12-08
    price $424,900 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

22. 2025-12-02
    listed $450,000 Active 969-char remark

    Show marketing remark (969 chars)

    Potential four bedroom home in DeLand with 1400sqft metal building. Rare mixed-use opportunity on New York Ave/ State Road 44. The mixed use zoning allows for a residential home and commercial workshop, perfect for a live and work situation, run the house as the office, or live in the home and use the workshops for additional storage. The 1926-built house offers 2,711 sq ft of potential living space; featuring 4 bedrooms, 2 bathrooms, walkable attic, and a basement for added storage. The home is ideal for live–work conversion or income-producing setup. Set on a 75 × 300 lot (½ acre), the property includes a detached 1,400+ sq ft commercial workshop, formerly used as a mechanic shop. The property is FULLY FENCED and offers street access from both New York Ave and Wood St. Advertise your business on a main state road and access the property privately from the back entrance. Zoned Blue Lake Elementary, Deland Middle and DeLand High School.

23. 2009-07-31
    historical
24. 2008-07-31
    listed $149,900
25. 2007-12-27
    historical
26. 2007-06-27
    listed $249,900
27. 1999-01-21
    soldstatus $97,500
28. 1973-08-01
    soldstatus $26,500

ⓘ 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: $1,083 · $90/mo
• Projected year-2 tax: $1,410 · $118/mo
• Expected delta: +$327/yr (+$27/mo · 30.2%)

ⓘ 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 ≥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: $26,170
• − Mortgage interest: −$9,517
• − Property taxes: −$1,083
• − Insurance: −$850
• − Repairs & maintenance: −$2,094
• − Management: −$2,094
• − Depreciation: −$4,943
• Taxable income: $5,591
• Est. tax owed @ 24.0%: −$1,342
• After-tax cash flow: $6,709/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 — DeLand

• Score: 68/100
• State rank: #498
• US rank: #9197

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Volusia County · 556,871 people
• City population: 81,399
• Metro: Deltona-Daytona Beach-Ormond Beach, FL
• Population (ZIP): 45,140
• Household income: $73,592
• Rent vs Own: 22.2% rent · 77.8% own
• Severe rent burden: 942.0

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: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 19% Two or more races 9% Black 6% Asian 1%
• Hispanic origin (detail): Mexican 9% Puerto Rican 5%
• Common ancestry: Romanian 2% Slovak 2% Lithuanian 2%
• Foreign-born: 10% · Canada, Jamaica
• Languages at home: 83% English-only · Spanish 14% Other Indo-European 1% French/Haitian/Cajun 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: ▼ -215.80%
• Current HPI: 297.1837
• Rent YoY: ▲ 2.82%
• 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

+654.7% since first listed

17 events — show timeline

• 2026-05-07 Price Changed $199,999 Stellar MLS as Distributed by MLS Grid
• 2026-05-07 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-03-16 Price Changed $249,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-04 Price Changed $265,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-31 Price Changed $285,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-15 Price Changed $399,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-08 Price Changed $424,900 Stellar MLS as Distributed by MLS Grid
• 2025-12-02 Listed $450,000 Stellar MLS as Distributed by MLS Grid
• 2009-07-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2008-07-31 Listed $149,900 Stellar MLS as Distributed by MLS Grid
• 2007-12-27 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-06-27 Listed $249,900 Stellar MLS as Distributed by MLS Grid
• 1999-01-21 Sold (Public Records) $97,500 Public Records
• 1973-08-01 Sold (Public Records) $26,500 Public Records

Property tax history

+1.7%/yr

Latest (2018): $1,083 · +3.3% YoY. Source: county tax records.