2450 Taloncrest Ct · Eagle Lake, FL 33839

$300,000

3 bd · 2.0 ba · 2,456 sqft · SingleFamily public records · 9 Days on market

Built 2024 Good condition 5,162 sqft lot $8/mo HOA

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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 +7.9/30.0
• ARV discount +7.5/15.0
• Appreciation +5.9/10.0
• Condition / age +4.0/5.0
• Livability +3.9/5.0
• 1% rule +3.5/10.0
• Schools +3.5/10.0
• Rent growth +2.5/5.0
• DSCR +2.0/10.0

Listing remarks MLS

Under Construction. Find everything you need in Eagle Lake! Located just minutes from world class theme parks and attractions, Eagel Hammock is the perfect community to call home with its beautiful Florida lifestyle and amenities. This community boasts stunning home sites. You'll enjoy the sparkling local lakes practically in your backyard and the best local restaurants and shopping are just a short drive away. Love the outdoors? Explore nearby parks and farmer’s markets. Your home at Eagle Hammock will be in the center of it all!! * Photos are of similar model but not that of the exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries. *

Key facts

• Ample counter space
• Full bathroom
• Abundant cabinetry

Tags

• AMPLE COUNTER SPACE
• ABUNDANT CABINETRY
• LARGE PANTRY
• DOWNSTAIRS GUEST BEDROOM
• FULL BATHROOM
• SPACIOUS PRIMARY SUITE

Property features AI

Finance

• Other: Property type: Residential - Single Family Residence; Living area about 2,456 square feet; Public records used for living area
• Financial info: CDD present; Lease restrictions apply
• HOA & community: HOA managed by Highland Management; Annual HOA fee $100 (about $8.33/month); HOA provides maintenance; Community amenities include clubhouse, pool, playground, community mailbox, sidewalks, and deed restrictions; Pets allowed (cats and dogs)

Exterior

• Parking: Attached garage with 2 spaces
• Security: Security system; Smoke detectors
• Utilities: Public water; Public sewer; Electricity connected; Cable available; Irrigation uses recycled system; Water and sewer available
• Home design: Single-family residence; Two levels; Southeast facing; Completed condition
• Construction: Stucco exterior; Shingle roof; Slab foundation; Built on approximately 0.12 acre lot
• Exterior features: Patio; Sidewalks; Irrigation system

Interior

• Kitchen: Built-in oven; Dishwasher; Freezer; Ice maker; Microwave; Refrigerator; Electric water heater
• Bedrooms: 5 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 3 full bathrooms
• Heating & cooling: Heat pump heating; Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Kitchen open to family room; Open floorplan; Solid wood cabinets; Stone countertops; Walk-in closets; Security system; Smoke detectors
• Laundry & utility: Washer hookup; Dryer hookup (electric); Laundry room inside on upper level

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $300k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-317 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $244k (18.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $254k (15.4% below list).
• Recommended offer: $244k (18.7% below list) — sets the bar for cash-flow.

Location & tenants

• Location reads 77/100 on livability (#196 in FL, #3,096 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Pinewood Elementary School (math 48% / reading 40%, grade F, #1,330 of 2,144 statewide, top 63%, 709 students, 53% FRL); Westwood Middle School (math 19% / reading 26%, grade F, #546 of 571 statewide, top 96%, 878 students, 70% FRL); Lake Region High School (math 14% / reading 22%, grade F, #570 of 667 statewide, top 86%, 1,545 students, 61% FRL) — zoned schools at 61% FRL track the district average.
• Zoned-school proficiency averages 28% at this address vs 41% district-wide (-13 pts) — the specific schools serving this property underperform the Polk average; the district grade overstates school quality for this exact location.
• Market conditions: 167 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($2k loan paydown + $5k appreciation (1.8% local appreciation)).
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 5, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 2y ago; this cycle's ask has dropped $25k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate 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 $244,036 (18.7% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.85% ✗
• Cap rate: 5.03%
• Cash-on-cash: -4.53%
• DSCR: 0.80
• GRM: 9.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

1.75% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -0.7%
• Equity multiple: 0.96×
• Total profit: $-3,252
• Equity at exit: $114,249

10-year hold

• IRR: 3.8%
• Equity multiple: 1.51×
• Total profit: $42,434
• Equity at exit: $161,443

Cash invested: $84,000 (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 33839

• Home prices YoY: 0.6%
• Active inventory: 167
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,538 high
• Mortgage (P&I): −$1,573
• Tax from tax record: −$616 /mo · $7,386/yr
• Insurance: −$125
• HOA: −$8
• Vacancy / Maint / Mgmt: −$533
• Net cashflow: $-317

Break-even live

Break-even rent $2,939

Max offer price $244,036

Occupancy floor —

Sensitivity live

Price	-10% $-147	-5% $-232	+0% $-317	+5% $-402	+10% $-487
Rent	-10% $-517	-5% $-417	+0% $-317	+5% $-217	+10% $-116
Rate	-1.0pp $-166	-0.5pp $-240	base $-317	+0.5pp $-395	+1.0pp $-474

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: $75,000
• Closing costs: $9,000
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2442 Taloncrest Ct Eagle Lake, FL	4.0	2.0	1851	$2,700	$1.46	25d	1	0.02mi
2029 Carroll Ln Winter Haven, FL	4.0	3.0	2097	$2,500	$1.19	22d	1	0.32mi
910 Sun Burst Rd Winter Haven, FL	3.0	2.0	1690	$2,000	$1.18	25d	1	0.75mi
1504 Hummingbird Rd Winter Haven, FL	4.0	2.5	1942	$2,599	$1.34	4d	1	1.16mi
1504 Hummingbird Rd Winter Haven, FL	4.0	2.5	1942	$2,599	$1.34	25d	1	1.16mi
301 Majestic Gardens Dr Winter Haven, FL	3.0	2.0	1951	$2,020	$1.04	20d	1	1.16mi
109 Solis Dr Winter Haven, FL	3.0	2.0	1625	$2,086	$1.28	4d	1	1.33mi
740 Trotters Dr Eagle Lake, FL	4.0	2.0	1973	$2,295	$1.16	25d	1	1.45mi

HOA detail

• Monthly dues: $8 · $96/yr

Listing history 8 events

1. 2026-06-18
   days on market $300,000 Active 9 DOM
2. 2026-06-17
   price $300,000 Active 8 DOM
3. 2026-06-17
   days on market $325,000 Active 8 DOM
4. 2026-06-16
   days on market $325,000 Active 7 DOM
5. 2026-06-15
   days on market $325,000 Active 6 DOM
6. 2026-06-13
   days on market $325,000 Active 4 DOM
7. 2026-06-10
   remarks 699-char remark
8. 2026-06-10
   listed $325,000 Active 1 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: $7,386 · $616/mo
• Projected year-2 tax: $7,386 · $616/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°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 0 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $30,455
• − Mortgage interest: −$16,805
• − Property taxes: −$7,386
• − Insurance: −$1,500
• − Repairs & maintenance: −$2,436
• − Management: −$2,436
• − HOA: −$96
• − Depreciation: −$8,727
• Taxable loss: −$8,932
• Est. tax savings @ 24.0%: +$2,144
• After-tax cash flow: $-1,658/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab

This well-maintained, move-in-ready home offers a spacious and functional layout with good condition throughout. Minor updates to the exterior trim and ceiling fan would further enhance its curb appeal and rental value.

Value-add opportunities

• Resale Paint exterior trim — Enhances curb appeal and value
• Rental Replace ceiling fan — Improves comfort and energy efficiency

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint exterior trim — Enhances curb appeal and value ↑
• Rental Replace ceiling fan — Improves comfort and energy efficiency ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Eagle Lake

• Score: 77/100
• State rank: #196
• US rank: #3096

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Eagle Lake, FL
• City population: 4,397
• Population (ZIP): 4,397

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 57% Hispanic / Latino 32% Two or more races 8% Black 8%
• Hispanic origin (detail): Mexican 6% Puerto Rican 23% Cuban 1%
• Common ancestry: Lithuanian 1% Romanian 1% Italian 1%
• Foreign-born: 4% · Canada, Vietnam
• Languages at home: 84% English-only · Spanish 13% Russian/Polish/Slavic 1% French/Haitian/Cajun 1%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.75%
• Current HPI: 317.0642
• 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

-84.5% since first listed

7 events — show timeline

• 2026-06-09 Listed $325,000 Stellar MLS as Distributed by MLS Grid
• 2024-04-25 Sold (MLS) $344,995 Stellar MLS as Distributed by MLS Grid
• 2024-03-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-03-07 Price Changed $344,995 Stellar MLS as Distributed by MLS Grid
• 2024-02-02 Price Changed $347,990 Stellar MLS as Distributed by MLS Grid
• 2024-01-05 Listed $345,990 Stellar MLS as Distributed by MLS Grid
• 2023-04-24 Sold (Public Records) $2,090,602 Public Records

Property tax history

+236.3%/yr

Latest (2025): $7,386 · +107.8% YoY. Source: county tax records.