2727 75th St W Unit 7A11 · Bradenton, FL 34209

$140,000

2 bd · 2.0 ba · 925 sqft · Condo public records · 16 Days on market

Built 1978 $612/mo HOA · 32% of rent

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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 +11.2/30.0
• 1% rule +8.8/10.0
• ARV discount +7.5/15.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• DSCR +3.3/10.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Looking for a great investment opportunity or second home? This 2 bedroom second floor unit could be what you are looking for. The unit can be rented 3 times a year. With a few upgrades to the kitchen and bath it would make the perfect living space. This community offers a large heated Pool area and a community club house. Close to shopping and restaurants. A short ride to our beautiful beaches on Anna Maria. The open floor plan of this unit makes it feel larger than it is. Easy to show.

Key facts

• Clubhouse
• Private balcony
• Local restaurants

Tags

• HURRICANE-IMPACT WINDOWS
• PRIVATE BALCONY
• PET-FRIENDLY COMMUNITY
• CLUBHOUSE
• EASY ACCESS TO BEACHES
• LOCAL RESTAURANTS

Property features AI

Finance

• Other: Directions: 75th to Sabal Palm Garden. Go to building 7 apartment 11.; Unit located on 2nd floor (Unit 7A11); Living area reported as 925 square feet
• Financial info: Total annual fees $7,344; Lease restrictions apply
• HOA & community: HOA managed by Dellcor Management-Penny; Monthly condo fee $612; Association approval required; Association amenities: clubhouse, pool; Association fees include cable TV, pool, internet, structure and grounds maintenance, recreational facilities, sewer, trash, water; Community features: deed restrictions, sidewalks, buyer approval required, association-owned recreation; Pets allowed (cats and dogs) with size limit; max pet weight 20 lbs

Exterior

• Parking: Assigned parking; Guest parking; Parking space #11
• Utilities: Public water; Public sewer; Cable connected; Electricity connected; Sewer connected; Water connected
• Home design: Residential condominium; One story; Faces west; Completed condition
• Construction: Block construction; Membrane and shingle roof; Built on slab
• Exterior features: Lighting; Sidewalk; Sliding doors; Landscaped; Mature landscaping; Near public transit; In county; Asphalt road

Interior

• Kitchen: Dishwasher; Range; Refrigerator; Disposal; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Ceramic tile; Slab foundation
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans; Blinds; ENERGY STAR qualified windows
• Laundry & utility: Laundry closet; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $140k.

Deal economics

• At list price, monthly cash flow is $-53 ($-640/yr) — negative.
• To cash-flow at today's rent, offer at most $131k (6.7% below list).
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $131k (6.7% below list) — sets the bar for cash-flow.
• Cap rate 5.8% 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: Sea Breeze Elementary School (math 48% / reading 43%, grade D-, #1,247 of 2,144 statewide, top 59%, 499 students, 74% FRL); W. D. Sugg Middle School (math 34% / reading 28%, grade F, #462 of 571 statewide, top 81%, 1,010 students, 72% FRL); Bayshore High School (math 17% / reading 26%, grade F, #546 of 667 statewide, top 82%, 1,435 students, 65% FRL) — zoned schools average 70% FRL vs 51% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 33% at this address vs 52% district-wide (-19 pts) — the specific schools serving this property underperform the Manatee average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.3%/yr); 514 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals leasing fast (median 12d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $968 of loan paydown is wiped out by about $4k 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

• It's been on market 16 days — a 2% lower offer ($138k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 16y 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.
• Current owner paid $69k; list at $140k implies a 103% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 32% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $130,571 (6.7% 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. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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 apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.38% ✓
• Cap rate: 5.84%
• Cash-on-cash: -1.63%
• DSCR: 0.93
• GRM: 6.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -24.5%
• Equity multiple: 0.20×
• Total profit: $-31,356
• Equity at exit: $20,874

10-year hold

• IRR: -48.8%
• Equity multiple: -0.33×
• Total profit: $-51,969
• Equity at exit: $12,105

Cash invested: $39,200 (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: 514
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,938 high
• Mortgage (P&I): −$734
• Tax from tax record: −$180 /mo · $2,156/yr
• Insurance: −$58
• HOA: −$612
• Vacancy / Maint / Mgmt: −$407
• Net cashflow: $-53

Break-even live

Break-even rent $2,005

Max offer price $130,571

Occupancy floor 98%

Sensitivity live

Price	-10% $26	-5% $-14	+0% $-53	+5% $-93	+10% $-133
Rent	-10% $-206	-5% $-130	+0% $-53	+5% $23	+10% $100
Rate	-1.0pp $17	-0.5pp $-18	base $-53	+0.5pp $-90	+1.0pp $-127

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2727 75th St W Bradenton, FL	1.0–2.0	1.5	835	$1,700	$2.04	5d	4	0.04mi
2724 72nd St W Unit 2010 Bradenton, FL	2.0	2.0	942	$1,950	$2.07	4d	1	0.12mi
2107 Palma Sola Blvd #8 Bradenton, FL	2.0	2.0	1056	$1,850	$1.75	17d	1	0.48mi
2926 63rd St W Bradenton, FL	2.0	2.0	946	$2,100	$2.22	5d	1	0.67mi
2903 63rd St W Bradenton, FL	1.0	1.0	693	$2,000	$2.89	5d	1	0.67mi
4005 78th St W Bradenton, FL	3.0	2.0	1000	$1,895	$1.90	5d	1	0.71mi
6304 Pointe West Blvd Unit A309 Bradenton, FL	2.0	2.0	1042	$1,795	$1.72	12d	1	0.72mi
6415 21st Ave W Bradenton, FL	1.0–2.0	1.0–2.0	1150	$1,896	$1.65	5d	5	0.73mi
5933 28th Ave W Bradenton, FL	1.0–2.0	1.0–2.0	945	$2,013	$2.13	3d	6	0.88mi
5909 30th Ave W Bradenton, FL	1.0–2.0	1.0–2.0	788	$1,670	$2.12	3d	6	0.94mi
4325 80th St W Bradenton, FL	3.0	1.5	1000	$2,200	$2.20	25d	1	0.95mi
4112 66th Street Cir W Bradenton, FL	2.0	2.0	1100	$1,960	$1.78	21d	1	1.00mi
4161 66th Street Cir W Bradenton, FL	2.0	2.0	1044	$1,800	$1.72	17d	1	1.04mi
4209 66th Street Cir W Bradenton, FL	2.0	2.0	1044	$2,900	$2.78	25d	1	1.04mi
4501 71st St W Bradenton, FL	1.0–2.0	1.0–2.0	850	$1,680	$1.98	3d	28	1.04mi
5907 36th Ave Cir W #5907 Bradenton, FL	2.0	2.0	937	$2,800	$2.99	25d	1	1.05mi
4116 62nd St W Bradenton, FL	2.0	2.0	840	$1,650	$1.96	5d	1	1.06mi
6711 45th Ave W Unit A Bradenton, FL	2.0	2.0	1100	$1,700	$1.55	17d	1	1.08mi
4118 59th St W Bradenton, FL	2.0	1.0	756	$1,800	$2.38	17d	1	1.21mi
4601 66th St W Bradenton, FL	3.0	1.0–2.0	917	$2,065	$2.25	3d	24	1.31mi
4512 86th Street Ct W Unit A Bradenton, FL	2.0	1.0	755	$1,500	$1.99	25d	1	1.41mi
1403 56th St W #1403 Bradenton, FL	1.0	1.0	812	$1,595	$1.96	25d	1	1.42mi
1403 56th St W Bradenton, FL	1.0	1.0	812	$1,445	$1.78	17d	1	1.44mi

HOA detail condo

• Monthly dues: $612 · $7,344/yr
• Likely covers: pool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 12 events

1. 2026-06-22
   days on market $140,000 Active 16 DOM
2. 2026-06-18
   days on market $140,000 Active 13 DOM
3. 2026-06-17
   days on market $140,000 Active 12 DOM
4. 2026-06-16
   days on market $140,000 Active 11 DOM
5. 2026-06-15
   days on market $140,000 Active 10 DOM
6. 2026-06-13
   days on market $140,000 Active 8 DOM
7. 2026-06-13
   days on market $140,000 Active 7 DOM
8. 2026-06-10
   days on market $140,000 Active 5 DOM
9. 2026-06-09
   days on market $140,000 Active 4 DOM
10. 2026-06-08
    days on market $140,000 Active 3 DOM
11. 2026-06-07
    remarks 681-char remark
12. 2026-06-07
    listed $140,000 Active 2 DOM

ⓘ 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: $2,156 · $180/mo
• Projected year-2 tax: $2,156 · $180/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Climate risk First Street

• 🌊 Flood 2/10 Low FEMA zone X (unshaded) · 5% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 30 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: $23,253
• − Mortgage interest: −$7,842
• − Property taxes: −$2,156
• − Insurance: −$700
• − Repairs & maintenance: −$1,860
• − Management: −$1,860
• − HOA: −$7,344
• − Depreciation: −$4,073
• Taxable loss: −$2,583
• Est. tax savings @ 24.0%: +$620
• After-tax cash flow: $-21/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

• 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

+250.0% since first listed

12 events — show timeline

• 2026-06-05 Listed $140,000 Stellar MLS as Distributed by MLS Grid
• 2017-12-01 Sold (Public Records) $69,000 Public Records
• 2017-11-21 Sold (MLS) $69,000 Stellar MLS as Distributed by MLS Grid
• 2017-11-09 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-11-02 Price Changed $79,000 Stellar MLS as Distributed by MLS Grid
• 2017-10-09 Listed $85,000 Stellar MLS as Distributed by MLS Grid
• 2011-12-28 Sold (MLS) $47,000 Stellar MLS as Distributed by MLS Grid
• 2010-01-28 Listed $42,000 Stellar MLS as Distributed by MLS Grid
• 2004-03-15 Sold (Public Records) $95,000 Public Records
• 2001-01-16 Sold (Public Records) $47,500 Public Records
• 1995-04-20 Sold (Public Records) $53,900 Public Records
• 1987-10-07 Sold (Public Records) $40,000 Public Records

Property tax history

+8.1%/yr

Latest (2025): $2,156 · -10.0% YoY. Source: county tax records.