3583 Grouby Rd · Wildwood, FL 32163

$339,000

2 bd · 2.0 ba · 1,257 sqft · SingleFamily public records · 2 Days on market

Built 2022 3,529 sqft lot Est $303k · 12% over

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Why this score? — see what drove the F 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).

• Appreciation +10.0/10.0
• Cash flow +6.3/30.0
• Schools +5.2/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +2.1/15.0
• 1% rule +1.5/10.0
• DSCR +0.6/10.0

Listing remarks

I may be a 2 BEDROOM, 2 BATHROOM MOONSTONE, but let’s be honest, my WATER VIEW is the real show-off here. Views like mine are RARE, and I know it. Step inside and you will find TILE FLOORING THROUGHOUT, a clean, comfortable layout, and a kitchen designed to make everyday living easy with SOFT-CLOSE CABINETS, ATTRACTIVE AND MODERN formica countertops and STAINLESS STEEL APPLIANCES. I also come with a SPLIT GARAGE, giving you room for your car and your GOLF CART, because in The Villages, both need their own parking plan. No judgment. That is just how life works here. My LOW BOND BALANCE is another reason to take a closer look, because that is the kind of detail buyers love to see. And o

Key facts

• Soft-close cabinets
• Tile flooring
• Peaceful setting

Tags

• WATER VIEW
• TILE FLOORING
• SOFT-CLOSE CABINETS
• STAINLESS STEEL APPLIANCES
• SPLIT GARAGE
• PEACEFUL SETTING

Property features AI

Finance

• Other: Property type: Residential, single family; Total acreage: less than 1/4 acre; Lot size approximately 0.08 acres; Living area reported as 1,257 sq ft; building area reported as 1,850 sq ft; Unfurnished; Lease restrictions apply
• HOA & community: Community is a senior community; Pets allowed; CDD (community development district) present; Association does not require approval

Exterior

• Parking: Driveway; Golf cart garage; Attached 3-car garage
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer; Cable available; Electricity connected; Phone available; Sewer connected; Water connected
• Home design: Single-family residence; One story; PUD zoning; Faces south
• Construction: Frame construction; Shingle roof; Slab foundation; Built as one-level home
• Exterior features: Covered, screened patio; Patio; Sidewalk; Paved and private lot

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; Open floorplan; Vaulted ceilings; Walk-in closet(s)
• Laundry & utility: Inside laundry

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $339k.

Deal economics

• At list price, monthly cash flow is $-604 ($-7k/yr) — negative.
• To cash-flow at today's rent, offer at most $232k (31.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $222k (34.6% below list).
• Recommended offer: $222k (34.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 69/100 on livability (#471 in FL) — a middle-class / working-renter tenant base. Strengths: health & safety A+, cost of living A, crime A-; Watch: amenities F, commute F, employment D-.
• Sumter (rural): math 61% / reading 61% proficiency, ranked #11 of 73 in FL (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Wildwood Elementary School (math 49% / reading 52%, grade D+, #1,055 of 2,144 statewide, top 50%, 940 students, 76% FRL); South Sumter Middle School (math 55% / reading 54%, grade B-, #183 of 571 statewide, top 34%, 897 students, 61% FRL) — zoned schools average 68% FRL vs 51% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 269 active listings in the ZIP; solid renter incomes; 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).

Forward outlook

• In year one you build about $36k of equity ($2k loan paydown + $34k appreciation (10.0% local appreciation)).
• Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$58k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $221,608 (34.6% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 0.65% ✗
• Cap rate: 4.15%
• Cash-on-cash: -7.64%
• DSCR: 0.66
• GRM: 12.7

CMA / ARV

• ARV (on-the-fly): $302,937
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3575 Grouby Rd	0.02mi	2/2.0	1,266 (+1%)	12mo	$305,000	$241	88
3511 Vinas Pl	0.12mi	2/2.0	1,299 (+3%)	4mo	$344,000	$265	85
5549 Millican Ave	0.11mi	2/2.0	1,290 (+3%)	13mo	$340,000	$264	80
3575 Cochran St	0.04mi	2/2.0	1,184 (-6%)	13mo	$285,000	$241	77
5632 Swallowtail Ter	0.10mi	2/2.0	1,223 (-3%)	20mo	$280,000	$229	74
5600 Stricklin St	0.10mi	2/2.0	1,299 (+3%)	20mo	$365,000	$281	73
3817 Miragalia Ln	0.56mi	2/2.0	1,234 (-2%)	8mo	$274,000	$222	64
5641 Swallowtail Ter	0.09mi	3/2.0 (+1)	1,440 (+15%)	4mo	$310,000	$215	63
5817 Valente Ct	0.52mi	2/2.0	1,148 (-9%)	8mo	$260,000	$226	55
3814 Zentko St	0.61mi	2/2.0	1,227 (-2%)	24mo	$325,000	$265	48
3352 NE 31st Ter	0.57mi	3/2.0 (+1)	1,182 (-6%)	16mo	$290,000	$245	45

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 18.9%
• Equity multiple: 2.54×
• Total profit: $146,188
• Equity at exit: $305,398

10-year hold

• IRR: 17.5%
• Equity multiple: 5.86×
• Total profit: $460,843
• Equity at exit: $658,602

Cash invested: $94,920 (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 32163

• Home prices YoY: 9.8%
• Active inventory: 269
• Price-to-rent: 12.7×

Monthly cashflow live

• Estimated rent: $2,216 medium
• Mortgage (P&I): −$1,778
• Tax from tax record: −$436 /mo · $5,231/yr
• Insurance: −$141
• HOA: −$0
• Vacancy / Maint / Mgmt: −$465
• Net cashflow: $-604

Break-even live

Break-even rent $2,981

Max offer price $232,268

Occupancy floor —

Sensitivity live

Price	-10% $-412	-5% $-508	+0% $-604	+5% $-700	+10% $-796
Rent	-10% $-779	-5% $-692	+0% $-604	+5% $-517	+10% $-429
Rate	-1.0pp $-433	-0.5pp $-518	base $-604	+0.5pp $-692	+1.0pp $-781

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: $84,750
• Closing costs: $10,170
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-06-14
   statusdays on market $339,000 Pending 2 DOM
2. 2026-06-13
   days on marketlisting id $339,000 Active 1 DOM
3. 2026-06-02
   days on market $339,000 Active 32 DOM
4. 2026-06-01
   days on market $339,000 Active 31 DOM
5. 2026-05-31
   days on market $339,000 Active 30 DOM
6. 2026-05-30
   days on market $339,000 Active 29 DOM
7. 2026-05-01
   listed $345,000 Active

ⓘ 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: $5,231 · $436/mo
• Projected year-2 tax: $5,231 · $436/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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°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: $26,593
• − Mortgage interest: −$18,989
• − Property taxes: −$5,231
• − Insurance: −$1,695
• − Repairs & maintenance: −$2,127
• − Management: −$2,127
• − Depreciation: −$9,862
• Taxable loss: −$13,439
• Est. tax savings @ 24.0%: +$3,225
• After-tax cash flow: $-4,025/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: Sumter
• NCES district ID: 1201800
• Math proficiency: 61% ▼ -4.00%
• Reading proficiency: 61% ▼ -2.00%
• Median HH income: $48,240
• Composite: 51.74/100
• National rank: #1682
• State rank: #11 of 73 in FL

Livability — Wildwood

• Score: 69/100
• State rank: #471
• US rank: #8500

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wildwood, FL
• County: Sumter County · 110,591 people
• City population: 21,568
• Metro: The Villages, FL
• Population (ZIP): 28,549
• Household income: $96,775
• Rent vs Own: 5.7% rent · 94.3% own
• Severe rent burden: 307.0

Population outlook (Sumter County) Hauer SSP2

• Today (2025): 161,172 people
• By 2030: 180,083 · +11.7%
• By 2040: 209,892 · +30.2%
• By 2050: 234,186 · +45.3%
• By 2075: 284,602 · +76.6%
• By 2100: 317,039 · +96.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 2% Hispanic / Latino 2% Asian 1%
• Common ancestry: Romanian 6% Lithuanian 3% Iranian 3%
• Foreign-born: 6% · Canada, Vietnam
• Languages at home: 96% English-only · Spanish 2% Vietnamese 1% Other Indo-European 0%

Political lean MEDSL · Sumter

• 2024 margin: Solid R (+37.6) · D 30.9% · R 68.6%
• 2008→2024 swing: -10.6pp toward R · 2008: -27.0pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+36.1 2016: R+39.2 2012: R+34.9 2008: R+27.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 20.47%
• Current HPI: 229.0075
• Rent YoY: —
• Metro: The Villages, 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

1 event — show timeline

• 2026-05-01 Listed $345,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+41.2%/yr

Latest (2025): $5,231 · +1.7% YoY. Source: county tax records.