130 Lakeview Way · Interlachen, FL 32148

$160,000

4 bd · 2.0 ba · 2,323 sqft · SingleFamily public records · 171 Days on market

Built 1974

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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 +15.0/30.0
• ARV discount +7.5/15.0
• DSCR +4.6/10.0
• 1% rule +4.3/10.0
• Livability +3.4/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

Key facts

• Parking
• Built 1974
• Listed 171 days

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Carport (1 space)
• Utilities: Septic tank; Electricity connected; Sewer connected
• Home design: Single family residence; Two levels
• Construction: Stucco construction; Shingle roof
• Exterior features: City street frontage; Dirt road surface

Interior

• Kitchen: Gas oven; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Tile; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Open floor plan
• Laundry & utility: Electric dryer hookup; Laundry on lower level

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $160k.

Deal economics

• At list price, monthly cash flow is $50 ($604/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $149k (6.7% below list).
• Recommended offer: $141k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 67/100 on livability (#540 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, employment F.
• Putnam (town): math 34% / reading 39% proficiency, ranked #66 of 73 in FL (top 90%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Interlachen Jr-Sr High School (math 16% / reading 32%, grade F, #529 of 667 statewide, top 80%, 1,097 students, 71% FRL) — zoned schools at 71% FRL track the district average.
• Zoned-school proficiency averages 24% at this address vs 36% district-wide (-12 pts) — the specific schools serving this property underperform the Putnam average; the district grade overstates school quality for this exact location.
• Market conditions: 759 active listings in the ZIP; 113 units permitted in Putnam County in 2024 (0 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 $5k of value loss. Plan a longer hold.
• Putnam County population projected at -31% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 171 days — a 12% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 22 sale attempts since 11y ago; this cycle's ask has dropped $10k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $103k; list at $160k implies a 55% 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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $140,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 171 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 1974 — 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. 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?
7. 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.
8. 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.
9. 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: 0.93% ✗
• Cap rate: 6.67%
• Cash-on-cash: 1.35%
• DSCR: 1.06
• GRM: 8.9

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: -14.1%
• Equity multiple: 0.49×
• Total profit: $-22,684
• Equity at exit: $23,857

10-year hold

• IRR: -5.3%
• Equity multiple: 0.65×
• Total profit: $-15,475
• Equity at exit: $13,834

Cash invested: $44,800 (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 32148

• Home prices YoY: -5.8%
• Active inventory: 759
• Price-to-rent: 8.9×

Monthly cashflow live

• Estimated rent: $1,492 medium
• Mortgage (P&I): −$839
• Tax from tax record: −$223 /mo · $2,672/yr
• Insurance: −$67
• HOA: −$0
• Vacancy / Maint / Mgmt: −$313
• Net cashflow: $50

Break-even live

Break-even rent $1,428

Max offer price $160,000

Occupancy floor 92%

Sensitivity live

Price	-10% $141	-5% $96	+0% $50	+5% $5	+10% $-40
Rent	-10% $-68	-5% $-9	+0% $50	+5% $109	+10% $168
Rate	-1.0pp $131	-0.5pp $91	base $50	+0.5pp $9	+1.0pp $-33

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

Listing history 50 events

1. 2026-06-10
   days on market $160,000 Active 171 DOM
2. 2026-06-08
   days on market $160,000 Active 170 DOM
3. 2026-06-07
   days on market $160,000 Active 169 DOM
4. 2026-06-05
   days on market $160,000 Active 166 DOM
5. 2026-06-03
   days on market $160,000 Active 165 DOM
6. 2026-06-02
   days on market $160,000 Active 164 DOM
7. 2026-06-01
   days on market $160,000 Active 163 DOM
8. 2026-05-31
   days on market $160,000 Active 162 DOM
9. 2026-01-09
   price $160,000
10. 2025-12-20
    listed $170,000 Active
11. 2025-08-31
    historical
12. 2025-04-24
    price $240,000
13. 2025-03-03
    listed $259,900 Active
14. 2015-10-30
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

15. 2015-10-27
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

16. 2015-10-27
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

17. 2015-10-23
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

18. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

19. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

20. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

21. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

22. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

23. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

24. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

25. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

26. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

27. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

28. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

29. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

30. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

31. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

32. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

33. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

34. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

35. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

36. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

37. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

38. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

39. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

40. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

41. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

42. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

43. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

44. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

45. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

46. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

47. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

48. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

49. 2015-08-22
    status Active - Auction 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

50. 2015-08-22
    historical 181-char remark

    Show marketing remark (181 chars)

    This property is bank owned. It is sold in “as-is” condition without repairs or warranty. Buyer is responsible for verifying all information contained in this listing.

ⓘ 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: $2,672 · $223/mo
• Projected year-2 tax: $2,672 · $223/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 21 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,905
• − Mortgage interest: −$8,962
• − Property taxes: −$2,672
• − Insurance: −$800
• − Repairs & maintenance: −$1,432
• − Management: −$1,432
• − Depreciation: −$4,655
• Taxable loss: −$2,049
• Est. tax savings @ 24.0%: +$492
• After-tax cash flow: $1,096/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: Putnam
• NCES district ID: 1201620
• Math proficiency: 34% ▼ -10.00%
• Reading proficiency: 39% ▼ -4.00%
• Median HH income: $33,350
• Composite: 29.99/100
• National rank: #6361
• State rank: #66 of 73 in FL

Livability — Interlachen

• Score: 67/100
• State rank: #540
• US rank: #10162

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 11,580
• Population (ZIP): 11,580

Population outlook (Putnam County) Hauer SSP2

• Today (2025): 65,299 people
• By 2030: 61,255 · -6.2%
• By 2040: 52,930 · -18.9%
• By 2050: 45,051 · -31.0%
• By 2075: 28,720 · -56.0%
• By 2100: 15,852 · -75.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 9% Two or more races 8% Black 3%
• Hispanic origin (detail): Mexican 2% Puerto Rican 7%
• Common ancestry: Slovak 4% Lithuanian 3% Romanian 1%
• Foreign-born: 2% · Canada
• Languages at home: 94% English-only · Spanish 4%

Political lean MEDSL · Putnam

• 2024 margin: Solid R (+47.8) · D 25.8% · R 73.6%
• 2008→2024 swing: -28.5pp toward R · 2008: -19.3pp · 2024: -47.8pp
• All cycles: 2024: R+47.8 2020: R+41.2 2016: R+36.6 2012: R+24.5 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -16.98%
• Current HPI: 277.2763
• 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

+55.5% since first listed

50 events — show timeline

• 2026-01-09 Price Changed $160,000 realMLS
• 2025-12-20 Listed $170,000 realMLS
• 2025-08-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-04-24 Price Changed $240,000 Stellar MLS as Distributed by MLS Grid
• 2025-03-03 Listed $259,900 Stellar MLS as Distributed by MLS Grid
• 2015-10-30 Listing Removed — realMLS
• 2015-10-27 Relisted — realMLS
• 2015-10-27 Listing Removed — realMLS
• 2015-10-23 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-08-22 Relisted — realMLS
• 2015-08-22 Listing Removed — realMLS
• 2015-04-13 Listed $74,200 realMLS
• 2015-04-13 Price Changed $66,800 realMLS
• 2015-04-13 Price Changed $56,800 realMLS
• 2015-04-13 Price Changed $46,800 realMLS
• 2015-04-13 Price Changed $36,800 realMLS
• 2005-08-25 Sold (Public Records) $102,900 Public Records

Property tax history

+4.3%/yr

Latest (2025): $2,672 · +8.6% YoY. Source: county tax records.