4334 Damselfly Dr · Bagdad, FL 32583

$214,000

2 bd · 1.0 ba · 908 sqft · SingleFamily public records · 107 Days on market

Built 2025 0.26 ac lot Est $213k · at est. $55/mo HOA · 3% of rent ↓ 15% since listing

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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 +10.3/30.0
• ARV discount +7.4/15.0
• Schools +5.3/10.0
• Rent growth +3.6/5.0
• Livability +3.4/5.0
• DSCR +2.9/10.0
• 1% rule +2.8/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

Key facts

• Quaint front porch
• Rear open patio
• 0.26 acre lot

Tags

• RESORT STYLE COMMUNITY POOL
• WALK IN BATHFITTER SHOWER
• QUAINT FRONT PORCH
• REAR OPEN PATIO
• HURRICANE FABRIC SHIELD
• SMART HOME CONNECT SYSTEM

Property features AI

Finance

• Other: Paved, county-maintained road access; Cable available and underground utilities; Electrical system with circuit breakers and copper wiring
• HOA & community: Homeowners association with an annual fee of $655 covering association and recreation facility; Community amenities include a pool, community room, and sidewalks

Exterior

• Parking: Open parking with a driveway
• Security: Security system; Smoke detectors
• Utilities: Public water; Public sewer
• Home design: Single-story home; Resale property; Not attached to another property; Homestead
• Construction: Frame construction; Shingle roof; Slab foundation; One level
• Exterior features: Patio; Interior lot

Interior

• Kitchen: Pantry; Not recently updated
• Bedrooms: Two bedrooms on the first floor (primary approx. 11.3' x 13', second bedroom on first floor)
• Flooring: Vinyl flooring
• Bathrooms: One full bathroom (recently updated, tub removed and replaced with walk-in shower)
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Updated bathroom with a new walk-in shower and tall toilet; Kitchen/dining combo; Double-pane and storm windows with blinds and shutters
• Laundry & utility: Inside laundry with washer and dryer included; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $214k.

Deal economics

• At list price, monthly cash flow is $-118 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $193k (9.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $167k (21.9% below list).
• Recommended offer: $167k (21.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 67/100 on livability (#571 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools F, amenities F, commute F.
• Santa Rosa (suburban): math 63% / reading 60% proficiency, ranked #8 of 73 in FL (top 11%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising fast (+4.5%/yr); 806 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 1,983 units permitted in Santa Rosa County in 2024 (128 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Santa Rosa County population projected at +31% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 107 days — a 9% lower offer ($195k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y 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.

Recommended offer $167,104 (21.9% 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 107 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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?
8. 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.
9. 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.
10. 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: 0.78% ✗
• Cap rate: 5.63%
• Cash-on-cash: -2.37%
• DSCR: 0.89
• GRM: 10.7

CMA / ARV

• ARV (on-the-fly): $213,380
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6379 June Bug Dr	0.08mi	2/1.0	915 (+1%)	8mo	$219,000	$239	88
4326 Damselfly Dr	0.02mi	2/1.0	915 (+1%)	13mo	$214,900	$235	87
6265 Firefly Dr	0.09mi	2/1.0	915 (+1%)	13mo	$214,900	$235	84
4350 Damselfly Dr	0.04mi	2/1.0	915 (+1%)	17mo	$219,900	$240	83
6313 Firefly Dr	0.21mi	2/1.0	915 (+1%)	8mo	$209,900	$229	83
6249 Firefly Dr	0.13mi	2/1.0	915 (+1%)	13mo	$214,900	$235	82
6282 June Bug Dr	0.27mi	2/1.0	915 (+1%)	18mo	$214,900	$235	71
6239 June Bug Dr	0.37mi	2/1.0	915 (+1%)	14mo	$211,000	$231	69
6246 June Bug Dr	0.36mi	2/1.0	915 (+1%)	19mo	$214,900	$235	66
6188 June Bug Dr	0.43mi	2/1.0	915 (+1%)	15mo	$219,900	$240	66
6227 June Bug Dr	0.40mi	2/1.0	915 (+1%)	18mo	$209,900	$229	65
6203 June Bug Dr	0.45mi	2/1.0	915 (+1%)	17mo	$210,900	$230	63

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 · 4.53% rent growth · sell at horizon

5-year hold

• IRR: -18.6%
• Equity multiple: 0.34×
• Total profit: $-39,598
• Equity at exit: $31,908

10-year hold

• IRR: -8.3%
• Equity multiple: 0.45×
• Total profit: $-33,124
• Equity at exit: $18,503

Cash invested: $59,920 (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 32583

• Home prices YoY: -11.3%
• Rents YoY: 4.5%
• Active inventory: 806
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $1,671 medium
• Mortgage (P&I): −$1,122
• Tax from tax record: −$172 /mo · $2,064/yr
• Insurance: −$89
• HOA: −$55
• Vacancy / Maint / Mgmt: −$351
• Net cashflow: $-118

Break-even live

Break-even rent $1,821

Max offer price $193,106

Occupancy floor —

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: $53,500
• Closing costs: $6,420
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6478 Da Lisa Rd Milton, FL	3.0	2.0	1120	$1,900	$1.70	23d	1	0.75mi

HOA detail

• Monthly dues: $55 · $660/yr
• Likely covers: pool

Listing history 50 events

1. 2026-06-18
   days on market $214,000 Active 107 DOM
2. 2026-06-17
   days on market $214,000 Active 106 DOM
3. 2026-06-16
   days on market $214,000 Active 105 DOM
4. 2026-06-15
   days on market $214,000 Active 104 DOM
5. 2026-06-14
   days on market $214,000 Active 102 DOM
6. 2026-06-10
   days on market $214,000 Active 99 DOM
7. 2026-06-09
   days on market $214,000 Active 98 DOM
8. 2026-06-08
   days on market $214,000 Active 97 DOM
9. 2026-06-07
   days on market $214,000 Active 96 DOM
10. 2026-06-05
    days on market $214,000 Active 93 DOM
11. 2026-06-03
    days on market $214,000 Active 92 DOM
12. 2026-06-02
    days on market $214,000 Active 91 DOM
13. 2026-06-01
    days on market $214,000 Active 90 DOM
14. 2026-05-31
    days on market $214,000 Active 89 DOM
15. 2026-05-31
    days on market $214,000 Active 88 DOM
16. 2026-03-16
    price $214,000
17. 2026-03-03
    listed $219,900 Active
18. 2025-06-25
    soldstatus $212,900 Sold 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

19. 2025-06-25
    soldstatus $212,900 Sold 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

20. 2025-03-25
    historical Contingent 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

21. 2025-03-25
    status Pending 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

22. 2025-03-17
    price $212,900 597-char remark

    Show marketing remark (536 chars)

    The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

23. 2025-03-17
    price $212,900 536-char remark

    Show marketing remark (536 chars)

    The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

24. 2025-03-03
    price $214,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

25. 2025-03-03
    price $214,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

26. 2025-02-14
    price $223,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

27. 2025-02-14
    price $223,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

28. 2025-01-29
    price $228,900 536-char remark

    Show marketing remark (536 chars)

    The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

29. 2025-01-28
    price $228,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

30. 2025-01-20
    price $229,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

31. 2025-01-20
    price $229,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

32. 2025-01-09
    price $219,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

33. 2025-01-09
    price $219,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

34. 2024-12-31
    price $226,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

35. 2024-12-31
    price $226,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

36. 2024-12-18
    price $222,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

37. 2024-12-18
    price $222,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

38. 2024-12-13
    price $220,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

39. 2024-12-13
    price $220,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

40. 2024-12-11
    price $219,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

41. 2024-12-11
    price $219,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

42. 2024-12-02
    price $229,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

43. 2024-12-02
    price $229,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

44. 2024-11-25
    price $234,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

45. 2024-11-25
    price $234,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

46. 2024-11-11
    price $242,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

47. 2024-11-11
    price $242,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

48. 2024-09-23
    price $237,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

49. 2024-09-23
    price $237,900 597-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

50. 2024-09-16
    price $235,900 536-char remark

    Show marketing remark (597 chars)

    BEAUTIFUL FLORIDA COTTAGE, ALMOST COMPLETED AND MOVE IN READY. The charming Rivers Cove community offers residents use of it's gorgeous Community Pool, Community Room and Playground. The new Allanton plan is a cozy cottage style home with no wasted space, a desirable open design for relaxed living. Easy care beautiful wood look flooring, delightful kitchen with stainless appliances, quiet dishwasher, smooth top range, built in microwave and pantry. Also included is Fabric hurricane door/window protection and a Smart Home 'Connect' system with several convenient Smart Home Devices. MUST SEE.

ⓘ 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: $2,064 · $172/mo
• Projected year-2 tax: $2,064 · $172/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $20,052
• − Mortgage interest: −$11,987
• − Property taxes: −$2,064
• − Insurance: −$1,070
• − Repairs & maintenance: −$1,604
• − Management: −$1,604
• − HOA: −$660
• − Depreciation: −$6,225
• Taxable loss: −$5,163
• Est. tax savings @ 24.0%: +$1,239
• After-tax cash flow: $-180/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: Santa Rosa
• NCES district ID: 1201650
• Math proficiency: 63% ▼ -6.00%
• Reading proficiency: 60% ▼ -5.00%
• Median HH income: $58,161
• Composite: 53.12/100
• National rank: #1511
• State rank: #8 of 73 in FL

Livability — Bagdad

• Score: 67/100
• State rank: #571
• US rank: #10887

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bagdad, FL
• County: Santa Rosa County · 194,764 people
• Metro: Pensacola-Ferry Pass-Brent, FL
• Population (ZIP): 31,828
• Household income: $85,440
• Rent vs Own: 12.9% rent · 87.1% own
• Severe rent burden: 122.0

Population outlook (Santa Rosa County) Hauer SSP2

• Today (2025): 195,978 people
• By 2030: 209,782 · +7.0%
• By 2040: 235,293 · +20.1%
• By 2050: 256,408 · +30.8%
• By 2075: 298,074 · +52.1%
• By 2100: 303,216 · +54.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Black 11% Two or more races 10% Hispanic / Latino 6% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 2% Cuban 1%
• Common ancestry: Italian 3% Slovak 2% Serbian 2%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 3%

Political lean MEDSL · Santa Rosa

• 2024 margin: Solid R (+51.0) · D 24.1% · R 75.0%
• 2008→2024 swing: -3.0pp toward R · 2008: -47.9pp · 2024: -51.0pp
• All cycles: 2024: R+51.0 2020: R+46.5 2016: R+53.5 2012: R+52.6 2008: R+47.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -38.35%
• Current HPI: 301.8819
• Rent YoY: ▲ 4.53%
• Metro: Pensacola-Ferry Pass-Brent, 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

-15.0% since first listed

46 events — show timeline

• 2026-03-16 Price Changed $214,000 PARMLS
• 2026-03-03 Listed $219,900 PARMLS
• 2025-06-25 Sold (MLS) $212,900 PARMLS
• 2025-06-25 Sold (MLS) $212,900 ECAR
• 2025-03-25 Contingent — PARMLS
• 2025-03-25 Pending — PARMLS
• 2025-03-17 Price Changed $212,900 PARMLS
• 2025-03-17 Price Changed $212,900 ECAR
• 2025-03-03 Price Changed $214,900 ECAR
• 2025-03-03 Price Changed $214,900 PARMLS
• 2025-02-14 Price Changed $223,900 ECAR
• 2025-02-14 Price Changed $223,900 PARMLS
• 2025-01-29 Price Changed $228,900 ECAR
• 2025-01-28 Price Changed $228,900 PARMLS
• 2025-01-20 Price Changed $229,900 ECAR
• 2025-01-20 Price Changed $229,900 PARMLS
• 2025-01-09 Price Changed $219,900 ECAR
• 2025-01-09 Price Changed $219,900 PARMLS
• 2024-12-31 Price Changed $226,900 ECAR
• 2024-12-31 Price Changed $226,900 PARMLS
• 2024-12-18 Price Changed $222,900 ECAR
• 2024-12-18 Price Changed $222,900 PARMLS
• 2024-12-13 Price Changed $220,900 ECAR
• 2024-12-13 Price Changed $220,900 PARMLS
• 2024-12-11 Price Changed $219,900 ECAR
• 2024-12-11 Price Changed $219,900 PARMLS
• 2024-12-02 Price Changed $229,900 ECAR
• 2024-12-02 Price Changed $229,900 PARMLS
• 2024-11-25 Price Changed $234,900 ECAR
• 2024-11-25 Price Changed $234,900 PARMLS
• 2024-11-11 Price Changed $242,900 ECAR
• 2024-11-11 Price Changed $242,900 PARMLS
• 2024-09-23 Price Changed $237,900 ECAR
• 2024-09-23 Price Changed $237,900 PARMLS
• 2024-09-16 Price Changed $235,900 ECAR
• 2024-09-16 Price Changed $235,900 PARMLS
• 2024-09-04 Price Changed $232,900 ECAR
• 2024-09-04 Price Changed $232,900 PARMLS
• 2024-09-03 Price Changed $239,900 ECAR
• 2024-09-03 Price Changed $255,900 ECAR
• 2024-09-03 Price Changed $239,900 PARMLS
• 2024-09-03 Price Changed $255,900 PARMLS
• 2024-08-19 Price Changed $253,900 ECAR
• 2024-08-19 Price Changed $253,900 PARMLS
• 2024-07-29 Listed $251,900 PARMLS
• 2024-07-29 Listed $251,900 ECAR

Property tax history

+400.8%/yr

Latest (2025): $2,064 · +400.8% YoY. Source: county tax records.