2067 Blue Orchid Ave · Plant City, FL 33565

$372,490

5 bd · 2.5 ba · 2,389 sqft · SingleFamily · 55 Days on market

Built 2026

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Why this score? — see what drove the D- 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 +11.7/30.0
• ARV discount +7.5/15.0
• Schools +4.2/10.0
• Livability +3.8/5.0
• 1% rule +3.4/10.0
• DSCR +3.4/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This two-story home divides space for optimal tranquility. The first floor showcases an open design that encompasses the dining room, kitchen and living room for simplified family living and entertaining. Nearby, the owner's suite is separate from the upstairs bedrooms and features a private bathroom. The second level hosts four additional bedrooms and a versatile loft.

Key facts

• 2 garage spots
• Built 2026
• Listed 55 days

Property features AI

Finance

• Other: Address: 2067 Blue Orchid Ave, Plant City, FL 33565; Listing provided by Zillow; information deemed reliable but not guaranteed
• Financial info: List price $374,490

Exterior

• Parking: 2 garage spaces (2 total parking spaces)
• Home design: Single-family home (Columbia plan); Active listing
• Exterior features: Living area approximately 2,389

Interior

• Bedrooms: 5 bedrooms
• Bathrooms: 2 full bathrooms and 1 half bathroom (2.5 total)
• Interior features: Spec home, Columbia plan

What this means for you Summary

Snapshot

• This is a 5-bed/2.5-bath single-family listed at $372k.

Deal economics

• At list price, monthly cash flow is $-111 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $356k (4.3% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $312k (16.3% below list).
• Recommended offer: $312k (16.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 76/100 on livability (#227 in FL, #3,587 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, cost of living A+, housing A+; Watch: employment C-, schools D+, commute F.
• Hillsborough (suburban): math 47% / reading 50% proficiency, ranked #41 of 73 in FL (top 56%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 307 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 9,053 units permitted in Hillsborough County in 2024 (4,555 in 5+ unit buildings).
• At $3,118/mo this rent would consume 51% of the median local household income ($73k/yr) (locally 152% 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 $3k of loan paydown is wiped out by about $11k of value loss. Plan a longer hold.
• Hillsborough County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 55 days — a 3% lower offer ($361k) is reasonable based on typical stale-listing flexibility.

Recommended offer $311,810 (16.3% 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 55 days. Have you received any prior offers? Is the seller open to a 16% concession, seller financing, or rate buy-down credit?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 0.84% ✗
• Cap rate: 5.94%
• Cash-on-cash: -1.28%
• DSCR: 0.94
• GRM: 10.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -18.4%
• Equity multiple: 0.35×
• Total profit: $-67,375
• Equity at exit: $55,539

10-year hold

• IRR: -10.7%
• Equity multiple: 0.35×
• Total profit: $-67,573
• Equity at exit: $32,206

Cash invested: $104,297 (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 33565

• Home prices YoY: -24.7%
• Active inventory: 307
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $3,118 high
• Mortgage (P&I): −$1,953
• Tax est. 1.5%: −$466 /mo · $5,587/yr
• Insurance: −$155
• HOA: −$0
• Vacancy / Maint / Mgmt: −$655
• Net cashflow: $-111

Break-even live

Break-even rent $3,258

Max offer price $356,443

Occupancy floor 99%

Sensitivity live

Price	-10% $147	-5% $18	+0% $-111	+5% $-240	+10% $-368
Rent	-10% $-357	-5% $-234	+0% $-111	+5% $12	+10% $135
Rate	-1.0pp $77	-0.5pp $-16	base $-111	+0.5pp $-207	+1.0pp $-306

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: $93,122
• Closing costs: $11,175
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3911 N Maryland Ave Plant City, FL	4.0	3.0	2223	$2,600	$1.17	25d	1	0.53mi
2318 Allium Roseum Ln Plant City, FL	4.0	2.0	1817	$2,400	$1.32	25d	1	0.83mi
3615 Natural Trace St Plant City, FL	4.0	2.0	1935	$2,400	$1.24	18d	1	0.84mi
3747 Capri Coast Dr Plant City, FL	4.0	2.5	2035	$2,695	$1.32	0d	1	0.88mi
2505 Victorious Falls Ave Plant City, FL	6.0	3.0	2614	$3,100	$1.19	25d	1	0.93mi
1458 Tahitian Sunrise Dr Plant City, FL	4.0	2.0	1935	$2,395	$1.24	24d	1	1.09mi
3827 Sunny Spring St Plant City, FL	4.0	3.0	2756	$3,150	$1.14	25d	1	1.37mi
3809 Sunny Spring St Plant City, FL	5.0	3.0	2964	$2,800	$0.94	25d	1	1.41mi

Listing history 18 events

1. 2026-06-18
   days on market $372,490 Active 55 DOM
2. 2026-06-17
   days on market $372,490 Active 54 DOM
3. 2026-06-16
   days on market $372,490 Active 53 DOM
4. 2026-06-15
   days on market $372,490 Active 52 DOM
5. 2026-06-13
   days on market $372,490 Active 50 DOM
6. 2026-06-13
   days on market $372,490 Active 49 DOM
7. 2026-06-09
   days on market $372,490 Active 46 DOM
8. 2026-06-08
   pricedays on market $372,490 Active 45 DOM
9. 2026-06-07
   pricedays on market $371,990 Active 44 DOM
10. 2026-06-04
    days on market $370,990 Active 41 DOM
11. 2026-06-03
    days on market $370,990 Active 40 DOM
12. 2026-06-02
    days on market $370,990 Active 39 DOM
13. 2026-06-02
    price $370,990 Active 38 DOM
14. 2026-06-01
    pricedays on market $370,490 Active 38 DOM
15. 2026-05-31
    pricedays on market $369,490 Active 37 DOM
16. 2026-05-14
    price $374,490 372-char remark
17. 2026-05-01
    price $373,990 372-char remark
18. 2026-04-24
    listed $371,990 Active 372-char remark

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $37,417
• − Mortgage interest: −$20,865
• − Property taxes: −$5,587
• − Insurance: −$1,862
• − Repairs & maintenance: −$2,993
• − Management: −$2,993
• − Depreciation: −$10,836
• Taxable loss: −$7,721
• Est. tax savings @ 24.0%: +$1,853
• After-tax cash flow: $522/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: Hillsborough
• NCES district ID: 1200870
• Math proficiency: 47% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $50,622
• Composite: 41.6/100
• National rank: #3435
• State rank: #41 of 73 in FL

Livability — Plant City

• Score: 76/100
• State rank: #227
• US rank: #3587

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Plant City, FL
• County: Hillsborough County · 1,540,968 people
• City population: 68,525
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 18,108
• Household income: $73,414
• Rent vs Own: 9.1% rent · 90.9% own
• Severe rent burden: 152.0

Population outlook (Hillsborough County) Hauer SSP2

• Today (2025): 1,607,022 people
• By 2030: 1,733,968 · +7.9%
• By 2040: 1,979,565 · +23.2%
• By 2050: 2,203,427 · +37.1%
• By 2075: 2,667,893 · +66.0%
• By 2100: 2,891,558 · +79.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 23% Two or more races 14% Black 2% Native American 1%
• Hispanic origin (detail): Mexican 16% Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 2% Slovak 1% Iranian 1%
• Foreign-born: 10% · Canada, Jamaica
• Languages at home: 80% English-only · Spanish 19%

Political lean MEDSL · Hillsborough

• 2024 margin: Toss-up / Even · D 47.8% · R 50.9% · Other 1.3%
• 2008→2024 swing: -10.2pp toward R · 2008: 7.1pp · 2024: -3.1pp
• All cycles: 2024: R+3.1 2020: D+6.9 2016: D+6.8 2012: D+6.7 2008: D+7.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -114.17%
• Current HPI: 347.2475
• Rent YoY: —
• Metro: Tampa-St. Petersburg-Clearwater, 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