5 Pinewood Ct · South Daytona, FL
Flood risk 7/10 · Major
- FEMA flood zone
- AE
- Chance of flooding over 30 yrs
- 0.59%
- Est. flood insurance / yr
- $1,737 – $8,500
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 9/10 · Severe
- Hot days now (above 105°F)
- 7 days/yr
- Hot days in 30 yrs
- 20 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 2 days/yr
- Unhealthy air days in 30 yrs
- 2 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the B- 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 +29.6/30.0
- DSCR +10.0/10.0
- 1% rule +8.3/10.0
- ARV discount +7.5/15.0
- Livability +4.0/5.0
- Schools +3.9/10.0
- Condition / age +2.5/5.0
- Rent growth +2.0/5.0
- Appreciation +0.0/10.0
$150,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
This spacious 3-bedroom, 2-bath home is ready for your personal touches and offers endless possibilities. Situated on an oversized irregular lot at the end of a quiet cul-de-sac, this property features a beautiful pond view and is located in the quaint and desirable Big Tree Shores neighborhood. Conveniently located in the heart of South Daytona, you'll enjoy easy access to shopping, dining, schools, and major roadways. The home offers generous living space, a covered carport, double driveway, and a storage shed for added convenience. Whether you're looking for a primary residence, investment opportunity, or a home to customize to your taste. This property is full of potential and waiting f
Key facts
- Pond view
- Double driveway
- Covered carport
Tags
Property features AI
Exterior
- Parking: Covered carport (1 car)
- Utilities: Public water; Public sewer; Cable available and connected; Electricity connected; Water connected
- Home design: Mobile home (residential); One level; Has view
- Construction: Wood siding; Shingle roof; Other foundation
- Exterior features: Pond and waterfront view; Shed(s); Cul-de-sac location; Irregular lot; Paved road
Interior
- Kitchen: Electric range, Microwave, Dishwasher, Refrigerator
- Bedrooms: Total rooms: 9
- Flooring: Carpet, Laminate, Vinyl, Other
- Bathrooms: 2 full bathrooms
- Heating & cooling: Electric heating; Wall/window air conditioning units
- Interior features: Washer, Dryer, Refrigerator, Microwave, Electric Range, Dishwasher; Wall/window cooling units; Electric and other heating
- Laundry & utility: In-unit laundry (washer and dryer included)
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath manufactured listed at $150k.
Deal economics
- At list price, monthly cash flow is $115 ($1k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $150k).
Location & tenants
- Location reads 80/100 on livability (#114 in FL, #1,755 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, cost of living A+, housing A+; Watch: schools D, employment D, commute F.
- Volusia (suburban): math 44% / reading 49% proficiency, ranked #47 of 73 in FL (top 64%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
- Market conditions: Rents soft (-2.0%/yr); 280 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 3,402 units permitted in Volusia County in 2024 (681 in 5+ unit buildings).
- This rent runs 42% of the median local income ($57k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- Volusia County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
Negotiation context
- Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
- Current owner paid $47k; list at $150k implies a 219% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: flood insurance adds $427/mo.
- Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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.
- 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.
- 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
- 1.33% ✓
- Cap rate
- 10.62%
- Cash-on-cash
- 15.46%
- DSCR
- 1.69
- GRM
- 6.3
CMA / ARV
No comps found within radius.
Projected returns pro-forma
-3.0% appreciation · 0.0% rent growth · sell at horizon
- IRR
- -15.7%
- Equity multiple
- 0.46×
- Total profit
- $-22,571
- Equity at exit
- $22,365
- IRR
- -16.8%
- Equity multiple
- 0.25×
- Total profit
- $-31,690
- Equity at exit
- $12,969
Cash invested: $42,000 (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
ZIP-level market 32119
- Rents YoY
- -2.0%
- Active inventory
- 280
- Price-to-rent
- 6.3×
Monthly cashflow live
- Estimated rent
- $1,997 high interval (Pro) →
- Mortgage (P&I)
- −$787
- Tax est. 1.5%
- −$188 /mo · $2,250/yr
- Insurance
- −$62
- Flood insurance flood zone
- −$427 /mo · $5,118/yr
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$419
- Net cashflow
- $115
Break-even live
Sensitivity live
| Price | -10% $218 | -5% $166 | +0% $115 | +5% $63 | +10% $11 |
|---|---|---|---|---|---|
| Rent | -10% $-43 | -5% $36 | +0% $115 | +5% $193 | +10% $272 |
| Rate | -1.0pp $190 | -0.5pp $153 | base $115 | +0.5pp $76 | +1.0pp $36 |
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
- $37,500
- Closing costs
- $4,500
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 22 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 2313 Incandescent Way Unit 1 South Daytona, FL | 3.0 | 2.5 | 1500 | $1,900 | $1.27 | 15d | 1 | 0.09mi |
| 2208 Flourescent Way South Daytona, FL | 3.0 | 2.5 | 1400 | $2,300 | $1.64 | 24d | 1 | 0.11mi |
| 2085 Oak Meadow Cir South Daytona, FL | 3.0 | 2.0 | 1632 | $1,900 | $1.16 | 15d | 1 | 0.14mi |
| 10 Harbor Cove Ct Daytona Beach, FL | 3.0 | 2.0 | 1456 | $1,499 | $1.03 | 24d | 1 | 0.53mi |
| 910 Carey Dr South Daytona, FL | 3.0 | 2.0 | 1529 | $2,500 | $1.64 | 24d | 1 | 0.55mi |
| 793 Aspen Dr South Daytona, FL | 2.0 | 2.0 | 1300 | $1,940 | $1.49 | 24d | 1 | 0.57mi |
| 1952 Menger Cir South Daytona, FL | 3.0 | 2.0 | 1600 | $2,300 | $1.44 | 24d | 1 | 0.59mi |
| 794 Silver Pond Dr South Daytona, FL | 3.0 | 2.0 | 2184 | $1,900 | $0.87 | 21d | 1 | 0.65mi |
| 1200 Floral Springs Blvd Port Orange, FL | 1.0–3.0 | 1.0–2.0 | 1047 | $2,175 | $2.08 | 11d | 81 | 0.80mi |
| 716 Boston Ave South Daytona, FL | 2.0 | 2.0 | 1373 | $2,100 | $1.53 | 15d | 1 | 0.83mi |
| 1505 Edgewater Rd Daytona Beach, FL | 3.0 | 2.0 | 1209 | $1,800 | $1.49 | 24d | 1 | 0.91mi |
| 1270 Reed Canal Rd Port Orange, FL | 1.0–3.0 | 1.0–2.0 | 1001 | $2,137 | $2.13 | 11d | 29 | 0.93mi |
| 137 Bryan Cave Rd South Daytona, FL | 3.0 | 2.0 | 2167 | $2,550 | $1.18 | 15d | 1 | 1.01mi |
| 1436 Suwanee Rd Daytona Beach, FL | 4.0 | 2.0 | 1823 | $2,500 | $1.37 | 24d | 1 | 1.03mi |
| 2203 Nottingham Rd South Daytona, FL | 4.0 | 2.0 | 1600 | $2,400 | $1.50 | 24d | 1 | 1.08mi |
| 110 Dolphin Fleet Cir Daytona Beach, FL | 1.0–3.0 | 1.0–2.5 | 1125 | $2,124 | $1.89 | 11d | 20 | 1.17mi |
| 1401 Reed Canal Rd Port Orange, FL | 1.0–3.0 | 1.0–2.0 | 1045 | $2,125 | $2.03 | 15d | 25 | 1.26mi |
| 2140 S Palmetto Ave South Daytona, FL | 2.0 | 1.5 | 1100 | $1,499 | $1.36 | 24d | 1 | 1.32mi |
| 2250 S Palmetto Ave South Daytona, FL | 2.0 | 2.5 | 1386 | $1,600 | $1.15 | 24d | 1 | 1.33mi |
| 3537 Forest Branch Dr Unit A Port Orange, FL | 3.0 | 2.0 | 1352 | $1,950 | $1.44 | 11d | 1 | 1.35mi |
| 488 Autumn Trl Port Orange, FL | 3.0 | 2.0 | 1393 | $1,499 | $1.08 | 24d | 1 | 1.35mi |
| 121 Westwood Dr Daytona Beach, FL | 3.0 | 2.0 | 1548 | $2,300 | $1.49 | 15d | 1 | 1.36mi |
Listing history 4 events
-
2026-06-18days on market $150,000 Active 3 DOM
-
2026-06-17days on market $150,000 Active 2 DOM
-
2026-06-15remarks 699-char remark
-
2026-06-15$150,000 Active 1 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Climate risk First Street
- Flood 7/10 Severe FEMA zone AE · 59% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 9/10 Extreme 7 d/yr ≥105°F today · 20 d/yr by 30 yrs out
- Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $23,965
- − Mortgage interest
- −$8,402
- − Property taxes
- −$2,250
- − Insurance
- −$5,868
- − Repairs & maintenance
- −$1,917
- − Management
- −$1,917
- − Depreciation
- −$4,364
- Taxable loss
- −$754
- Est. tax savings @ 24.0%
- +$181
- After-tax cash flow
- $1,556/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
- Volusia
- NCES district ID
- 1201920
- Math proficiency
- 44% ▼ -9.00%
- Reading proficiency
- 49% ▼ -3.00%
- Median HH income
- $42,946
- Composite
- 39.2/100
- National rank
- #4019
- State rank
- #47 of 73 in FL
Livability — South Daytona
- Score
- 80/100
- State rank
- #114
- US rank
- #1755
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- South Daytona, FL
- County
- Volusia County · 556,871 people
- City population
- 22,348
- Metro
- Deltona-Daytona Beach-Ormond Beach, FL
- Population (ZIP)
- 22,348
- Household income
- $56,862
- Rent vs Own
- Severe rent burden
- 1158.0
Population outlook (Volusia County) Hauer SSP2
- Today (2025)
- 572,749 people
- By 2030
- 598,695 · +4.5%
- By 2040
- 644,880 · +12.6%
- By 2050
- 681,451 · +19.0%
- By 2075
- 759,957 · +32.7%
- By 2100
- 778,902 · +36.0%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (75%)
- Race & ethnicity
- White 75% Black 10% Hispanic / Latino 9% Two or more races 5% Asian 2%
- Hispanic origin (detail)
- Puerto Rican 4%
- Common ancestry
- Lithuanian 2% Slovak 2% Romanian 2%
- Foreign-born
- 9% · Canada, South Korea, Jamaica
- Languages at home
- 87% English-only · Spanish 7% Other Indo-European 2% German/W. Germanic 1%
Political lean MEDSL · Volusia
- 2024 margin
- Strong R (+21.8) · D 38.7% · R 60.5%
- 2008→2024 swing
- -27.4pp toward R · 2008: 5.7pp · 2024: -21.8pp
- All cycles
- 2024: R+21.8 2020: R+14.1 2016: R+13.1 2012: R+1.2 2008: D+5.7
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -247.99%
- Current HPI
- 309.304
- Rent YoY
- ▼ -2.01%
- Metro
- Deltona-Daytona Beach-Ormond Beach, 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
+219.1% since first listed2 events — show timeline
- 2026-06-09 Listed $150,000 Daytona MLS
- 2010-05-21 Sold (Public Records) $47,000 Public Records
Property tax history
+51.5%/yrLatest (2025): $90 · +21.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…