5919 Mitchell Ln · Bellview, FL 32526

$229,900

3 bd · 1.0 ba · 1,469 sqft · SingleFamily public records · 82 Days on market

Built 1957 0.53 ac lot $157/sqft · 5% above area Est $223k · at est.

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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 +13.7/30.0
• ARV discount +6.2/15.0
• DSCR +4.1/10.0
• Rent growth +3.6/5.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• 1% rule +3.2/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Open House Saturday, 05/23/2026 from 1 PM to 3 PM. Come tour this charming all-brick home on over half an acre. This solid all-brick home delivers durability, smart upgrades, and space to grow, all on a generous 0.53-acre corner lot. Major highlight: fully paid-off solar panels at closing, giving you instant energy savings with no loan attached. Lower utility bills from day one. Inside, enjoy a split floor plan with a spacious great room that flows seamlessly into the kitchen and private master suite, while guest bedrooms sit comfortably on the opposite side. Original hardwood floors bring warmth and character throughout. The kitchen is both functional and inviting, featuring ample cabinet space, a pantry, and room to gather. Big-ticket updates are already done: 2019 roof, newer HVAC, and a tankless water heater. Step outside and the value keeps going. Over half an acre means room for parking, entertaining, or future expansion. The detached 2-car garage and workshop is a standout, perfect for storage, hobbies, or projects. All of this in a convenient location close to shopping, dining, and everyday essentials. Homes with this level of updates, space, and fully owned solar are hard to find.

Key facts

• Split floor plan
• Spacious corner lot
• All brick home

Tags

• ALL BRICK HOME
• SPACIOUS CORNER LOT
• SPLIT FLOOR PLAN
• ORIGINAL HARDWOOD FLOORS
• AMPLE CABINET SPACE
• TANKLESS WATER HEATER

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $230k.

Deal economics

• At list price, monthly cash flow is $17 ($209/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 $188k (18.4% below list).
• Recommended offer: $188k (18.4% below list) — sets the bar for 1% rule.
• Cap rate 6.4% vs local median 5.2% in Bellview — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 67/100 on livability (#561 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D+, amenities F, commute F.
• Escambia (suburban): math 40% / reading 45% proficiency, ranked #56 of 73 in FL (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+4.4%/yr); 417 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 82 days — a 6% lower offer ($216k) 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 $168k; 37% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1957 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $187,697 (18.4% below list)

Questions for the listing agent

1. It's been on market 82 days. Have you received any prior offers? Is the seller open to a 18% concession, seller financing, or rate buy-down credit?
2. Built in 1957 — 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: 0.82% ✗
• Cap rate: 6.38%
• Cash-on-cash: 0.33%
• DSCR: 1.01
• GRM: 10.2

CMA / ARV

• ARV (median comp): $223,328
• List price: $229,900
• Delta: 2.94%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6041 Champion Oaks Dr	0.34mi	3/2.0	1,555 (+6%)	8mo	$255,000	$164	64
4960 La Ventana Ct	0.67mi	3/2.0	1,448 (-1%)	3mo	$249,000	$172	60
5767 Avondale Rd	0.35mi	2/2.0 (-1)	1,365 (-7%)	4mo	$219,900	$161	60
5719 Ventura Ln	0.48mi	4/2.0 (+1)	1,400 (-5%)	3mo	$185,000	$132	58
6319 Denver Ave	0.70mi	3/2.0	1,440 (-2%)	3mo	$169,000	$117	58
4664 Kingston Dr	0.31mi	3/1.5	1,300 (-12%)	8mo	$200,000	$154	58
1009 Simpson St	0.72mi	3/2.0	1,428 (-3%)	4mo	$225,222	$158	54
4651 Kingston Dr	0.34mi	3/2.0	1,280 (-13%)	8mo	$224,900	$176	52
5030 Stevendale Rd	0.72mi	3/2.0	1,539 (+5%)	4mo	$260,000	$169	51
6107 Louisville Ave	0.60mi	3/2.0	1,352 (-8%)	8mo	$235,000	$174	48
5940 Muldoon Rd	0.58mi	3/2.0	1,684 (+15%)	3mo	$273,000	$162	43
6027 Dallas Ave	0.71mi	3/2.0	1,336 (-9%)	8mo	$239,000	$179	41

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 · 4.42% rent growth · sell at horizon

5-year hold

• IRR: -14.3%
• Equity multiple: 0.48×
• Total profit: $-33,470
• Equity at exit: $34,279

10-year hold

• IRR: -3.6%
• Equity multiple: 0.74×
• Total profit: $-16,419
• Equity at exit: $19,878

Cash invested: $64,372 (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 32526

• Home prices YoY: -28.3%
• Rents YoY: 4.4%
• Active inventory: 417
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $1,877 high
• Mortgage (P&I): −$1,206
• Tax from tax record: −$164 /mo · $1,967/yr
• Insurance: −$96
• HOA: −$0
• Vacancy / Maint / Mgmt: −$394
• Net cashflow: $17

Break-even live

Break-even rent $1,855

Max offer price $229,900

Occupancy floor 94%

Sensitivity live

Price	-10% $148	-5% $83	+0% $17	+5% $-48	+10% $-113
Rent	-10% $-131	-5% $-57	+0% $17	+5% $92	+10% $166
Rate	-1.0pp $133	-0.5pp $76	base $17	+0.5pp $-42	+1.0pp $-103

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: $57,475
• Closing costs: $6,897
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6077 Royal Port Ct Pensacola, FL	3.0	2.5	1542	$1,775	$1.15	24d	1	0.18mi
6081 Royal Port Ct Pensacola, FL	3.0	2.5	1428	$1,850	$1.30	24d	1	0.19mi
6225 Mobile Hwy Pensacola, FL	1.0–3.0	1.0–2.0	1036	$2,595	$2.50	14d	15	0.44mi
6379 Mers Ln Pensacola, FL	3.0	2.5	1811	$1,900	$1.05	22d	1	0.57mi
6322 Louisville Ave Pensacola, FL	3.0	2.0	1001	$2,147	$2.14	24d	1	0.76mi
5217 Saufley Field Rd Pensacola, FL	4.0	2.5	1817	$1,895	$1.04	24d	1	0.77mi
5184 Regalo Dr Pensacola, FL	3.0	2.0	1504	$1,900	$1.26	24d	1	0.79mi
4930 Laceiba Dr Pensacola, FL	3.0	1.5	1020	$1,300	$1.27	22d	1	0.88mi
3230 Palmdale Ave Pensacola, FL	3.0	2.0	1300	$1,500	$1.15	24d	1	1.01mi
3219 Fresno Ave Pensacola, FL	3.0	2.0	1192	$1,375	$1.15	24d	1	1.13mi
5519 Lexlee Blvd Pensacola, FL	3.0	2.5	1543	$1,850	$1.20	24d	1	1.16mi
7318 Hayward Ave Unit P30 P30 Pensacola, FL	2.0	2.0	1000	$1,200	$1.20	24d	1	1.18mi
1860 Broyhill Ln Pensacola, FL	3.0	2.0	1561	$1,600	$1.02	24d	1	1.20mi
5404 N Blue Angel Pkwy Pensacola, FL	3.0	1.0	1120	$1,275	$1.14	24d	1	1.21mi
5172 Zachary Blvd Pensacola, FL	3.0	2.0	1803	$1,900	$1.05	24d	1	1.24mi
5877 Tryton Cir Pensacola, FL	4.0	2.0	1419	$1,825	$1.29	24d	1	1.27mi
2702 Massachusetts Ave Pensacola, FL	1.0–3.0	1.0–2.5	1150	$1,745	$1.52	14d	9	1.28mi
7135 Pearson Rd Unit 7 Pensacola, FL	2.0	2.0	902	$1,125	$1.25	24d	1	1.37mi
3001 Flintlock Dr Pensacola, FL	3.0	2.0	1750	$1,895	$1.08	14d	1	1.49mi

Listing history 22 events

1. 2026-06-18
   days on market $229,900 Active 82 DOM
2. 2026-06-17
   days on market $229,900 Active 81 DOM
3. 2026-06-16
   days on market $229,900 Active 80 DOM
4. 2026-06-15
   days on market $229,900 Active 79 DOM
5. 2026-06-14
   days on market $229,900 Active 77 DOM
6. 2026-06-10
   days on market $229,900 Active 74 DOM
7. 2026-06-09
   days on market $229,900 Active 73 DOM
8. 2026-06-08
   days on market $229,900 Active 72 DOM
9. 2026-06-07
   days on market $229,900 Active 71 DOM
10. 2026-06-03
    days on market $229,900 Active 67 DOM
11. 2026-06-02
    days on market $229,900 Active 66 DOM
12. 2026-06-01
    days on market $229,900 Active 65 DOM
13. 2026-05-31
    days on market $229,900 Active 64 DOM
14. 2026-05-31
    days on market $229,900 Active 63 DOM
15. 2026-04-30
    price $234,900 1216-char remark

    Show marketing remark (1216 chars)

    Open House Saturday, 05/23/2026 from 1 PM to 3 PM. Come tour this charming all-brick home on over half an acre. This solid all-brick home delivers durability, smart upgrades, and space to grow, all on a generous 0.53-acre corner lot. Major highlight: fully paid-off solar panels at closing, giving you instant energy savings with no loan attached. Lower utility bills from day one. Inside, enjoy a split floor plan with a spacious great room that flows seamlessly into the kitchen and private master suite, while guest bedrooms sit comfortably on the opposite side. Original hardwood floors bring warmth and character throughout. The kitchen is both functional and inviting, featuring ample cabinet space, a pantry, and room to gather. Big-ticket updates are already done: 2019 roof, newer HVAC, and a tankless water heater. Step outside and the value keeps going. Over half an acre means room for parking, entertaining, or future expansion. The detached 2-car garage and workshop is a standout, perfect for storage, hobbies, or projects. All of this in a convenient location close to shopping, dining, and everyday essentials. Homes with this level of updates, space, and fully owned solar are hard to find.

16. 2026-04-16
    price $239,900 1216-char remark

    Show marketing remark (1216 chars)

    Open House Saturday, 05/23/2026 from 1 PM to 3 PM. Come tour this charming all-brick home on over half an acre. This solid all-brick home delivers durability, smart upgrades, and space to grow, all on a generous 0.53-acre corner lot. Major highlight: fully paid-off solar panels at closing, giving you instant energy savings with no loan attached. Lower utility bills from day one. Inside, enjoy a split floor plan with a spacious great room that flows seamlessly into the kitchen and private master suite, while guest bedrooms sit comfortably on the opposite side. Original hardwood floors bring warmth and character throughout. The kitchen is both functional and inviting, featuring ample cabinet space, a pantry, and room to gather. Big-ticket updates are already done: 2019 roof, newer HVAC, and a tankless water heater. Step outside and the value keeps going. Over half an acre means room for parking, entertaining, or future expansion. The detached 2-car garage and workshop is a standout, perfect for storage, hobbies, or projects. All of this in a convenient location close to shopping, dining, and everyday essentials. Homes with this level of updates, space, and fully owned solar are hard to find.

17. 2026-03-28
    listed $240,000 Active 1216-char remark

    Show marketing remark (1216 chars)

    Open House Saturday, 05/23/2026 from 1 PM to 3 PM. Come tour this charming all-brick home on over half an acre. This solid all-brick home delivers durability, smart upgrades, and space to grow, all on a generous 0.53-acre corner lot. Major highlight: fully paid-off solar panels at closing, giving you instant energy savings with no loan attached. Lower utility bills from day one. Inside, enjoy a split floor plan with a spacious great room that flows seamlessly into the kitchen and private master suite, while guest bedrooms sit comfortably on the opposite side. Original hardwood floors bring warmth and character throughout. The kitchen is both functional and inviting, featuring ample cabinet space, a pantry, and room to gather. Big-ticket updates are already done: 2019 roof, newer HVAC, and a tankless water heater. Step outside and the value keeps going. Over half an acre means room for parking, entertaining, or future expansion. The detached 2-car garage and workshop is a standout, perfect for storage, hobbies, or projects. All of this in a convenient location close to shopping, dining, and everyday essentials. Homes with this level of updates, space, and fully owned solar are hard to find.

18. 2020-09-04
    soldstatus $168,000 890-char remark

    Show marketing remark (890 chars)

    Beautiful home located just off Saufley Field Rd & Mobile Hwy * BRAND NEW ROOF- just replaced last year!! * There are so many wonderful features in this home. * The very spacious Great Room leads into the kitchen on one side and the Master Suite on the other. With the guest bedrooms located opposite the Master, it feels like a split floor plan * The large kitchen sports a gorgeous tongue in groove ceiling, pantry for extra storage, and lots of cabinet space ** There is also a massive detached 2 car garage & workshop for all of your home project needs!! ** The home enjoys a corner lot boasting over half an acre- for plenty of parking, yard for entertaining, and large patio for grilling out. This is the perfect location for privacy and space, yet close in proximity to shopping, restaurants, etc! *** Please verify all features and/or dimensions that may be important to you

19. 2020-09-04
    soldstatus $168,000

    Show marketing remark (890 chars)

    Beautiful home located just off Saufley Field Rd & Mobile Hwy * BRAND NEW ROOF- just replaced last year!! * There are so many wonderful features in this home. * The very spacious Great Room leads into the kitchen on one side and the Master Suite on the other. With the guest bedrooms located opposite the Master, it feels like a split floor plan * The large kitchen sports a gorgeous tongue in groove ceiling, pantry for extra storage, and lots of cabinet space ** There is also a massive detached 2 car garage & workshop for all of your home project needs!! ** The home enjoys a corner lot boasting over half an acre- for plenty of parking, yard for entertaining, and large patio for grilling out. This is the perfect location for privacy and space, yet close in proximity to shopping, restaurants, etc! *** Please verify all features and/or dimensions that may be important to you

20. 2020-07-10
    listed $165,000 890-char remark

    Show marketing remark (890 chars)

    Beautiful home located just off Saufley Field Rd & Mobile Hwy * BRAND NEW ROOF- just replaced last year!! * There are so many wonderful features in this home. * The very spacious Great Room leads into the kitchen on one side and the Master Suite on the other. With the guest bedrooms located opposite the Master, it feels like a split floor plan * The large kitchen sports a gorgeous tongue in groove ceiling, pantry for extra storage, and lots of cabinet space ** There is also a massive detached 2 car garage & workshop for all of your home project needs!! ** The home enjoys a corner lot boasting over half an acre- for plenty of parking, yard for entertaining, and large patio for grilling out. This is the perfect location for privacy and space, yet close in proximity to shopping, restaurants, etc! *** Please verify all features and/or dimensions that may be important to you

21. 2010-12-03
    historical
22. 2010-04-01
    listed $71,500

ⓘ 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: $1,967 · $164/mo
• Projected year-2 tax: $1,967 · $164/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 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥105°F today · 22 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: $22,524
• − Mortgage interest: −$12,878
• − Property taxes: −$1,967
• − Insurance: −$1,150
• − Repairs & maintenance: −$1,802
• − Management: −$1,802
• − Depreciation: −$6,688
• Taxable loss: −$3,763
• Est. tax savings @ 24.0%: +$903
• After-tax cash flow: $1,113/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: Escambia
• NCES district ID: 1200510
• Math proficiency: 40% ▼ -9.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $44,649
• Composite: 36.04/100
• National rank: #4773
• State rank: #56 of 73 in FL

Livability — Bellview

• Score: 67/100
• State rank: #561
• US rank: #10731

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bellview, FL
• County: Escambia County · 301,722 people
• Metro: Pensacola-Ferry Pass-Brent, FL
• Population (ZIP): 44,680
• Household income: $75,098
• Rent vs Own: 23.8% rent · 76.2% own
• Severe rent burden: 1166.0

Population outlook (Escambia County) Hauer SSP2

• Today (2025): 334,637 people
• By 2030: 345,779 · +3.3%
• By 2040: 364,828 · +9.0%
• By 2050: 378,514 · +13.1%
• By 2075: 403,220 · +20.5%
• By 2100: 386,125 · +15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (66%)
• Race & ethnicity: White 66% Black 19% Two or more races 8% Hispanic / Latino 5% Asian 3%
• Common ancestry: Lithuanian 2% Slovak 2% Serbian 2%
• Foreign-born: 5% · Canada, China
• Languages at home: 94% English-only · Spanish 2% Tagalog/Filipino 1% Other Indo-European 1%

Political lean MEDSL · Escambia

• 2024 margin: R (+19.5) · D 39.7% · R 59.2% · Other 1.1%
• 2008→2024 swing: -0.2pp no change · 2008: -19.3pp · 2024: -19.5pp
• All cycles: 2024: R+19.5 2020: R+15.1 2016: R+20.6 2012: R+20.6 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -99.68%
• Current HPI: 252.6406
• Rent YoY: ▲ 4.42%
• 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

+228.5% since first listed

8 events — show timeline

• 2026-04-30 Price Changed $234,900 PARMLS
• 2026-04-16 Price Changed $239,900 PARMLS
• 2026-03-28 Listed $240,000 PARMLS
• 2020-09-04 Sold (Public Records) $168,000 Public Records
• 2020-09-04 Sold (MLS) $168,000 PARMLS
• 2020-07-10 Listed $165,000 PARMLS
• 2010-12-03 Listing Removed — PARMLS
• 2010-04-01 Listed $71,500 PARMLS

Property tax history

+6.3%/yr

Latest (2025): $1,967 · +10.9% YoY. Source: county tax records.