1701 36th St NW · Inwood, FL 33881

$259,999

4 bd · 2.0 ba · 1,815 sqft · SingleFamily public records · 127 Days on market

Built 1960 0.40 ac lot

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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 +13.9/30.0
• ARV discount +7.5/15.0
• DSCR +4.2/10.0
• 1% rule +3.5/10.0
• Schools +3.5/10.0
• Livability +3.3/5.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this spacious and recently upgraded home sitting on a rare 0.40-acre corner lot with NO HOA and NO CDD, giving you the freedom and space you’ve been looking for. Major recent improvements include updated HVAC, electrical, and plumbing systems for added peace of mind, along with attractive interior upgrades featuring modern flooring, an updated kitchen with stylish cabinetry and stainless-steel appliances, and refreshed bathrooms with contemporary tile finishes. The oversized lot offers endless possibilities and plenty of room to park your RV, boat, jet ski, work vehicles, or recreational toys worry-free — something hard to find in today’s market. Conveniently lo

Key facts

• Updated electrical
• Modern flooring
• 0.40-acre corner lot

Tags

• 0.40-ACRE CORNER LOT
• UPDATED HVAC
• UPDATED ELECTRICAL
• UPDATED PLUMBING
• MODERN FLOORING
• UPDATED KITCHEN

Property features AI

Finance

• Other: Unfurnished; No lease restrictions
• HOA & community: No association; No association approval required

Exterior

• Utilities: Public water; Septic sewer; Electricity connected; Water connected
• Home design: Single family residence; One story; Faces north
• Construction: Block construction; Metal roof; Slab foundation; Built on 0.4-acre lot (approx. 108.8 x 150)
• Exterior features: Private mailbox; Asphalt road access; Street lights in community

Interior

• Kitchen: Range; Microwave; Refrigerator; Disposal; Exhaust fan
• Bedrooms: 4 bedrooms
• Flooring: Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Cathedral ceilings; Coffered ceiling; Vaulted ceilings; High ceilings; Open floor plan; Ceiling fans; Thermostat; Walk-in closets
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $260k.

Deal economics

• At list price, monthly cash flow is $31 ($370/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 $220k (15.5% below list).
• Recommended offer: $220k (15.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#594 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: amenities F, commute F, employment 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: Frank E. Brigham Academy (math 77% / reading 75%, grade A, #198 of 2,144 statewide, top 10%, 564 students, 34% FRL); Westwood Middle School (math 19% / reading 26%, grade F, #546 of 571 statewide, top 96%, 878 students, 70% FRL); Auburndale Senior High School (math 25% / reading 31%, grade F, #464 of 667 statewide, top 70%, 1,716 students, 53% FRL).
• Market conditions: Rents rising (+2.1%/yr); 495 active listings in the ZIP; 8 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• At $2,198/mo this rent would consume 46% of the median local household income ($57k/yr) (locally 1270% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 127 days — a 12% lower offer ($229k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 3y 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 $193k; 35% above their basis — modest negotiation headroom, anchor on the comps not their cost.

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 $219,800 (15.5% below list)

Questions for the listing agent

1. It's been on market 127 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
2. Built in 1960 — 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: 0.85% ✗
• Cap rate: 6.44%
• Cash-on-cash: 0.51%
• DSCR: 1.02
• GRM: 9.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.1% rent growth · sell at horizon

5-year hold

• IRR: -16.5%
• Equity multiple: 0.42×
• Total profit: $-42,165
• Equity at exit: $38,767

10-year hold

• IRR: -9.8%
• Equity multiple: 0.42×
• Total profit: $-42,232
• Equity at exit: $22,480

Cash invested: $72,800 (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 33881

• Home prices YoY: -24.3%
• Rents YoY: 2.1%
• Active inventory: 495
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,198 high
• Mortgage (P&I): −$1,363
• Tax from tax record: −$234 /mo · $2,806/yr
• Insurance: −$108
• HOA: −$0
• Vacancy / Maint / Mgmt: −$462
• Net cashflow: $31

Break-even live

Break-even rent $2,159

Max offer price $259,999

Occupancy floor 94%

Sensitivity live

Price	-10% $178	-5% $104	+0% $31	+5% $-43	+10% $-116
Rent	-10% $-143	-5% $-56	+0% $31	+5% $118	+10% $204
Rate	-1.0pp $162	-0.5pp $97	base $31	+0.5pp $-37	+1.0pp $-105

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: $65,000
• Closing costs: $7,800
• Reserves months: —
• Total cash needed: —

Rent comps 8 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3110 Avenue U NW Winter Haven, FL	4.0	2.0	1256	$2,075	$1.65	25d	1	0.30mi
1407 28th St NW Winter Haven, FL	4.0	2.0	1709	$1,800	$1.05	25d	1	0.57mi
1309 26th St NW Winter Haven, FL	3.0	2.0	1687	$1,950	$1.16	25d	1	0.75mi
2535 Pine Pl Winter Haven, FL	3.0	2.5	1625	$1,995	$1.23	25d	1	1.05mi
2529 Pine Pl Winter Haven, FL	3.0	2.5	1625	$1,895	$1.17	25d	1	1.07mi
2607 Tanoak Ter Winter Haven, FL	3.0	2.5	1625	$1,895	$1.17	25d	1	1.13mi
2402 Willow Way Winter Haven, FL	3.0	2.5	1625	$1,895	$1.17	25d	4	1.15mi
2014 S Lake Cannon Dr NW Winter Haven, FL	3.0	2.0	1403	$2,350	$1.67	25d	1	1.42mi

Listing history 29 events

1. 2026-06-22
   days on market $259,999 Active 127 DOM
2. 2026-06-18
   days on market $259,999 Active 124 DOM
3. 2026-06-17
   days on market $259,999 Active 123 DOM
4. 2026-06-16
   days on market $259,999 Active 122 DOM
5. 2026-06-15
   days on market $259,999 Active 121 DOM
6. 2026-06-13
   days on market $259,999 Active 119 DOM
7. 2026-06-10
   days on market $259,999 Active 116 DOM
8. 2026-06-09
   days on market $259,999 Active 115 DOM
9. 2026-06-08
   days on market $259,999 Active 114 DOM
10. 2026-06-07
    days on market $259,999 Active 113 DOM
11. 2026-06-05
    days on market $259,999 Active 110 DOM
12. 2026-06-03
    days on market $259,999 Active 108 DOM
13. 2026-06-01
    days on market $259,999 Active 107 DOM
14. 2026-05-31
    days on market $259,999 Active 106 DOM
15. 2026-05-19
    price $259,999
16. 2026-04-27
    price $262,999
17. 2026-04-16
    price $264,999
18. 2026-02-14
    listed $269,999 Active
19. 2024-10-08
    soldstatus $193,000
20. 2024-02-25
    status Active
21. 2024-02-01
    status Pending
22. 2023-12-18
    status Active
23. 2023-12-12
    status Pending
24. 2023-12-11
    price $230,000
25. 2023-11-30
    price $225,000
26. 2023-11-09
    listed $250,000 Active
27. 2022-09-19
    soldstatus $143,000
28. 2022-09-09
    soldstatus $108,000
29. 1968-11-01
    soldstatus $11,000

ⓘ 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: $2,806 · $234/mo
• Projected year-2 tax: $2,806 · $234/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 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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,376
• − Mortgage interest: −$14,564
• − Property taxes: −$2,806
• − Insurance: −$1,300
• − Repairs & maintenance: −$2,110
• − Management: −$2,110
• − Depreciation: −$7,564
• Taxable loss: −$4,078
• Est. tax savings @ 24.0%: +$979
• After-tax cash flow: $1,348/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: 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 — Inwood

• Score: 66/100
• State rank: #594
• US rank: #11391

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Inwood, FL
• County: Polk County · 740,051 people
• City population: 121,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 40,808
• Household income: $57,024
• Rent vs Own: 28.2% rent · 71.8% own
• Severe rent burden: 1270.0

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 0.68)
• Race & ethnicity: White 44% Black 27% Hispanic / Latino 25% Two or more races 15%
• Hispanic origin (detail): Mexican 4% Puerto Rican 12% Cuban 1%
• Common ancestry: Hispanic 5% Slovak 1% Italian 1%
• Foreign-born: 15% · Canada, Jamaica
• Languages at home: 73% English-only · Spanish 20% French/Haitian/Cajun 6%

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: ▼ -88.95%
• Current HPI: 277.0597
• Rent YoY: ▲ 2.10%
• Metro: Lakeland-Winter Haven, 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

+2263.6% since first listed

15 events — show timeline

• 2026-05-19 Price Changed $259,999 Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Price Changed $262,999 Stellar MLS as Distributed by MLS Grid
• 2026-04-16 Price Changed $264,999 Stellar MLS as Distributed by MLS Grid
• 2026-02-14 Listed $269,999 Stellar MLS as Distributed by MLS Grid
• 2024-10-08 Sold (Public Records) $193,000 Public Records
• 2024-02-25 Relisted — Stellar MLS as Distributed by MLS Grid
• 2024-02-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-12-18 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-12-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-12-11 Price Changed $230,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-30 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-09 Listed $250,000 Stellar MLS as Distributed by MLS Grid
• 2022-09-19 Sold (Public Records) $143,000 Public Records
• 2022-09-09 Sold (Public Records) $108,000 Public Records
• 1968-11-01 Sold (Public Records) $11,000 Public Records

Property tax history

+14.6%/yr

Latest (2025): $2,806 · -14.2% YoY. Source: county tax records.