27043 Roper Rd · Hill 'n Dale, FL 34602

$143,000

3 bd · 2.0 ba · 984 sqft · SingleFamily public records · 65 Days on market

Built 1981 7,665 sqft lot Est $189k · 24% under

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.2/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Prime Fix-and-Flip Gem: Solid 3BR/2BA with Huge Lot Potential: Do not miss this incredible investment opportunity in a desirable neighborhood! This charming 3-bedroom, 2-bath single-family home boasts strong bones, an attached garage, and a fantastic screened-in back porch, perfect for relaxing or entertaining post-renovation. Step outside to discover oversized front and back yards ripe for landscaping, gardening, or expansion (pool / outdoor oasis). With generous space and great natural light, this property offers endless possibilities to modernize the kitchen, baths, and finishes, turning it into a high-demand, high-profit resale or long-term hold. Ideal for savvy flippers, builders, or

Key facts

• 7,665 sq ft lot
• Garage
• Built 1981

Property features AI

Finance

• Other: Property type: Residential (single-family); Zoning: R; Public-record living area: 984 (square feet); Building area total: 1,600 (square feet)
• HOA & community: No HOA association; Community features include park, playground, sidewalks, and street lights; Pets allowed

Exterior

• Parking: Attached garage (1 car)
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected; Cable available
• Home design: Single-family residence; One story; Home faces south; Homestead property
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built on a 0.18-acre lot
• Exterior features: Covered, enclosed, and screened patio/porch; Dog run; Rain gutters; Sidewalk

Interior

• Kitchen: Cooktop; Range; Range hood
• Bedrooms: 3 bedrooms
• Flooring: Laminate; Tile; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Thermostat; Exhaust fan
• Laundry & utility: Laundry area in garage; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $143k.

Deal economics

• At list price, monthly cash flow is $872 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $143k).
• Recommended offer: $134k (6.0% below list) — sets the bar for market timing.
• Cap rate 13.6% vs local median 5.3% in Hill 'n Dale — 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: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Hernando (suburban): math 50% / reading 50% proficiency, ranked #38 of 73 in FL (top 52%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 187 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 2,505 units permitted in Hernando County in 2024 (318 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $989 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Hernando County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $40k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 65 days — a 6% lower offer ($134k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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 $60k; list at $143k implies a 138% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $134,420 (6.0% below list)

Questions for the listing agent

1. It's been on market 65 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.55% ✓
• Cap rate: 13.61%
• Cash-on-cash: 26.14%
• DSCR: 2.16
• GRM: 5.4

CMA / ARV

• ARV (on-the-fly): $188,928
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
27083 Roper Rd	0.09mi	3/1.5	1,000 (+2%)	4mo	$190,000	$190	88
27168 Fernery Ave	0.33mi	3/2.0	1,000 (+2%)	1mo	$190,000	$190	81
27200 Fernery Ave	0.38mi	3/1.5	1,000 (+2%)	3mo	$212,000	$212	75
27009 Anthony Ave	0.11mi	3/2.0	1,093 (+11%)	4mo	$239,999	$220	74
26411 Bertram Rd	0.26mi	2/2.0 (-1)	1,000 (+2%)	8mo	$155,000	$155	74
6399 Raley Rd	0.21mi	3/2.0	1,091 (+11%)	1mo	$237,000	$217	72
26412 MC Allister St	0.20mi	3/2.0	1,093 (+11%)	3mo	$250,000	$229	70
27385 Azen Loop	0.63mi	3/2.0	960 (-2%)	4mo	$222,000	$231	63
27183 Roper Rd	0.29mi	2/1.0 (-1)	910 (-8%)	8mo	$99,900	$110	59
26359 Eahnestock St	0.53mi	3/2.0	1,091 (+11%)	0mo	$210,000	$192	57
6155 Sumter Dr	0.61mi	2/1.0 (-1)	1,042 (+6%)	1mo	$127,000	$122	52
6355 Crestview Dr	0.69mi	2/1.0 (-1)	1,056 (+7%)	1mo	$190,200	$180	46

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.9%
• Equity multiple: 1.81×
• Total profit: $32,344
• Equity at exit: $21,322

10-year hold

• IRR: 28.1%
• Equity multiple: 3.49×
• Total profit: $99,564
• Equity at exit: $12,364

Cash invested: $40,040 (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 34602

• Home prices YoY: -21.1%
• Active inventory: 187
• Price-to-rent: 5.4×

Monthly cashflow live

• Estimated rent: $2,221 medium
• Mortgage (P&I): −$750
• Tax from tax record: −$73 /mo · $876/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$466
• Net cashflow: $872

Break-even live

Break-even rent $1,117

Max offer price $143,000

Occupancy floor 56%

Sensitivity live

Price	-10% $953	-5% $913	+0% $872	+5% $832	+10% $791
Rent	-10% $697	-5% $784	+0% $872	+5% $960	+10% $1,048
Rate	-1.0pp $944	-0.5pp $909	base $872	+0.5pp $835	+1.0pp $797

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: $35,750
• Closing costs: $4,290
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
27008 Anthony Ave Brooksville, FL	3.0	2.0	1043	$1,795	$1.72	25d	1	0.14mi
27108 Simona Ave Brooksville, FL	3.0	1.0	1092	$1,700	$1.56	25d	1	0.18mi
6367 Enterprise Dr Unit 1234457P Brooksville, FL	3.0	2.0	1119	$3,367	$3.01	0d	1	0.18mi

Listing history 15 events

1. 2026-06-07
   statusdays on market $143,000 Pending 65 DOM
2. 2026-06-04
   days on market $143,000 Active 64 DOM
3. 2026-06-03
   days on market $143,000 Active 63 DOM
4. 2026-06-02
   days on market $143,000 Active 62 DOM
5. 2026-06-01
   days on market $143,000 Active 61 DOM
6. 2026-05-31
   days on market $143,000 Active 60 DOM
7. 2026-05-06
   price $143,000
8. 2026-04-28
   status Active
9. 2026-03-17
   status Pending
10. 2026-03-03
    status Active
11. 2026-02-24
    status Pending
12. 2026-02-11
    listed $150,000 Active
13. 2005-03-03
    soldstatus $60,000
14. 1985-10-01
    soldstatus $30,000
15. 1983-11-01
    soldstatus $25,000

ⓘ 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: $876 · $73/mo
• Projected year-2 tax: $1,187 · $99/mo
• Expected delta: +$311/yr (+$26/mo · 35.5%)

ⓘ 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 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,653
• − Mortgage interest: −$8,010
• − Property taxes: −$876
• − Insurance: −$715
• − Repairs & maintenance: −$2,132
• − Management: −$2,132
• − Depreciation: −$4,160
• Taxable income: $8,627
• Est. tax owed @ 24.0%: −$2,071
• After-tax cash flow: $8,395/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: Hernando
• NCES district ID: 1200810
• Math proficiency: 50% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $41,985
• Composite: 42.03/100
• National rank: #3329
• State rank: #38 of 73 in FL

Livability — Hill 'n Dale

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Hill 'n Dale, FL
• Population (ZIP): 10,391

Population outlook (Hernando County) Hauer SSP2

• Today (2025): 189,218 people
• By 2030: 194,367 · +2.7%
• By 2040: 203,398 · +7.5%
• By 2050: 209,589 · +10.8%
• By 2075: 218,452 · +15.4%
• By 2100: 205,923 · +8.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 14% Black 11% Two or more races 7%
• Hispanic origin (detail): Mexican 5% Puerto Rican 4% Cuban 2%
• Common ancestry: Romanian 3% Lithuanian 2% Slovak 1%
• Foreign-born: 5% · Canada, Dominican Republic, China
• Languages at home: 90% English-only · Spanish 8%

Political lean MEDSL · Hernando

• 2024 margin: Solid R (+37.0) · D 31.1% · R 68.2%
• 2008→2024 swing: -33.5pp toward R · 2008: -3.6pp · 2024: -37.0pp
• All cycles: 2024: R+37.0 2020: R+30.2 2016: R+29.0 2012: R+8.5 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -75.28%
• Current HPI: 282.3728
• Rent YoY: —
• Metro: —
• 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

+472.0% since first listed

9 events — show timeline

• 2026-05-06 Price Changed $143,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-28 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-03 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-24 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-11 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 2005-03-03 Sold (Public Records) $60,000 Public Records
• 1985-10-01 Sold (Public Records) $30,000 Public Records
• 1983-11-01 Sold (Public Records) $25,000 Public Records

Property tax history

+4.3%/yr

Latest (2025): $876 · -0.9% YoY. Source: county tax records.