1910 NW 26th St · Inwood, FL 33881

$164,500

3 bd · 1.0 ba · 1,360 sqft · SingleFamily public records · 1 Days on market

Built 1954 8,242 sqft lot

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Why this score? — see what drove the C 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 +23.1/30.0
• ARV discount +7.5/15.0
• DSCR +7.4/10.0
• 1% rule +6.6/10.0
• 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 MLS

One or more photo(s) has been virtually staged. Excellent opportunity to own this charming 3 bedroom, 2 bathroom brick home located within the chain of lakes in Winter Haven! A great investment property or family home for those buyers looking to add personal touches and finishes to make it the perfect forever home. Featuring a spacious living room with a cozy fireplace, inside utility room with plenty of storage space and large eat-in kitchen that leads to the light & bright Florida room. Out back you'll find a covered patio, storage shed and large fenced in backyard with plenty of room for a pool. You can't beat the location! Close to public transportation, shopping and many desirable restaurants with easy and convenient access to major roadways. To help visualize this home's floor plan and to highlight its potential, virtual furnishings have been added to photos found in this listing. All Information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify. Sold As-Is. Only cash/renovation loan offers with 0 day inspection period will be considered. Buyer should perform their due diligence/necessary inspections before submitting an offer. Sold As-Is.

Key facts

• 8,242 sq ft lot
• Garage
• Built 1954

Property features AI

Finance

• Other: Unfurnished; Total living area approximately 1,780 sq ft (estimated); Building area recorded as 2,242 sq ft
• HOA & community: Pets allowed

Exterior

• Parking: Attached garage (1 car); Carport (1 car)
• Utilities: Public water; Public sewer; Electricity connected; Cable available; Broadband/high-speed internet available
• Home design: Single-family residence; Residential property; One level; Faces west
• Construction: Stucco exterior; Shingle roof; Concrete perimeter foundation; Built on approximately 0.19-acre lot
• Exterior features: Outdoor grill; Outdoor kitchen; Private mailbox; Sidewalk; Storage

Interior

• Kitchen: Eat-in kitchen; Outdoor kitchen (exterior-adjacent feature)
• Bedrooms: 3 bedrooms
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning; Fireplace in living room (and other)
• Interior features: Ceiling fans; Eat-in kitchen; Electric water heater
• Laundry & utility: Laundry room with washer and electric dryer hookups

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $164k.

Deal economics

• At list price, monthly cash flow is $295 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $164k).

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: schools D, 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.
• Market conditions: Rents rising (+2.1%/yr); 491 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 40% 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 $5k 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

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• 7 sale attempts since 6y 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 $115k; 43% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: built in 1954 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $164,500

Questions for the listing agent

1. Built in 1954 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 1.16% ✓
• Cap rate: 8.44%
• Cash-on-cash: 7.67%
• DSCR: 1.34
• GRM: 7.2

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: -5.6%
• Equity multiple: 0.79×
• Total profit: $-9,533
• Equity at exit: $24,527

10-year hold

• IRR: 2.9%
• Equity multiple: 1.20×
• Total profit: $9,252
• Equity at exit: $14,223

Cash invested: $46,060 (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: 491
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $1,915 high
• Mortgage (P&I): −$863
• Tax from tax record: −$287 /mo · $3,448/yr
• Insurance: −$69
• HOA: −$0
• Vacancy / Maint / Mgmt: −$402
• Net cashflow: $295

Break-even live

Break-even rent $1,542

Max offer price $164,500

Occupancy floor 80%

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: $41,125
• Closing costs: $4,935
• Reserves months: —
• Total cash needed: —

Rent comps 25 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	23d	1	0.33mi
1407 28th St NW Winter Haven, FL	4.0	2.0	1709	$1,800	$1.05	23d	1	0.40mi
1309 26th St NW Winter Haven, FL	3.0	2.0	1687	$1,950	$1.16	23d	1	0.49mi
2535 Pine Pl Winter Haven, FL	3.0	2.5	1625	$1,995	$1.23	23d	1	0.49mi
2529 Pine Pl Winter Haven, FL	3.0	2.5	1625	$1,895	$1.17	23d	1	0.51mi
2607 Tanoak Ter Winter Haven, FL	3.0	2.5	1625	$1,895	$1.17	23d	1	0.56mi
2402 Willow Way Winter Haven, FL	3.0	2.5	1625	$1,895	$1.17	23d	4	0.58mi
2414 Willow Way Winter Haven, FL	2.0	2.5	1425	$1,850	$1.30	14d	1	0.60mi
2430 Willow Way Winter Haven, FL	2.0	2.5	1425	$1,795	$1.26	14d	1	0.63mi
1335 34th St NW Winter Haven, FL	2.0	2.0	1200	$1,706	$1.42	3d	1	0.64mi
2366 Lake Dr NW Winter Haven, FL	2.0	2.0	1003	$1,350	$1.35	3d	1	0.69mi
1254 34th St NW Winter Haven, FL	3.0	2.0	1102	$1,690	$1.53	3d	1	0.71mi
3135 Woodhill Rd Unit 3127 Winter Haven, FL	2.0	1.0	950	$1,450	$1.53	23d	1	0.85mi
3135 Woodhill Rd Unit 3205 Winter Haven, FL	2.0	1.0	950	$1,350	$1.42	23d	1	0.85mi
729 Crestwood Dr Winter Haven, FL	3.0	1.0	1156	$1,550	$1.34	23d	1	0.91mi
1630 17th St NW Unit 1545923P Winter Haven, FL	2.0	2.0	1636	$2,091	$1.28	14d	1	0.92mi
2500 21st St NW #56 Winter Haven, FL	2.0	2.5	1184	$1,800	$1.52	23d	1	0.92mi
2014 S Lake Cannon Dr NW Winter Haven, FL	3.0	2.0	1403	$2,350	$1.67	23d	1	1.01mi
611 34th St NW Winter Haven, FL	2.0	1.0	910	$1,500	$1.65	23d	1	1.13mi
3823 Avenue J NW Winter Haven, FL	3.0	1.0	1050	$1,696	$1.62	3d	1	1.14mi
333 Lake Howard Dr NW Unit 312C Winter Haven, FL	2.0	2.0	1030	$1,425	$1.38	23d	1	1.27mi
5004 Dream Dr Winter Haven, FL	1.0–2.0	1.0–2.0	859	$1,899	$2.21	14d	76	1.29mi
5004 Dream Dr Winter Haven, FL	1.0–2.0	1.0–2.0	859	$1,899	$2.21	3d	71	1.29mi
711 Lake Jessie Dr Winter Haven, FL	2.0	2.0	884	$1,400	$1.58	23d	1	1.34mi
2414 Avenue A Ter NW Winter Haven, FL	3.0	2.0	1456	$1,900	$1.30	14d	1	1.39mi

Listing history 16 events

1. 2026-05-13
   status Pending
2. 2026-05-13
   listed $164,500 Active
3. 2025-10-09
   historical $2,000
4. 2025-09-26
   listed $2,000
5. 2025-09-25
   historical $2,000
6. 2025-09-23
   listed $2,000
7. 2025-09-04
   historical
8. 2025-08-29
   status Active
9. 2025-08-20
   status Pending
10. 2025-07-30
    listed $260,000 Active
11. 2021-02-03
    soldstatus $115,000 Sold 1216-char remark

    Show marketing remark (1216 chars)

    One or more photo(s) has been virtually staged. Excellent opportunity to own this charming 3 bedroom, 2 bathroom brick home located within the chain of lakes in Winter Haven! A great investment property or family home for those buyers looking to add personal touches and finishes to make it the perfect forever home. Featuring a spacious living room with a cozy fireplace, inside utility room with plenty of storage space and large eat-in kitchen that leads to the light & bright Florida room. Out back you'll find a covered patio, storage shed and large fenced in backyard with plenty of room for a pool. You can't beat the location! Close to public transportation, shopping and many desirable restaurants with easy and convenient access to major roadways. To help visualize this home's floor plan and to highlight its potential, virtual furnishings have been added to photos found in this listing. All Information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify. Sold As-Is. Only cash/renovation loan offers with 0 day inspection period will be considered. Buyer should perform their due diligence/necessary inspections before submitting an offer. Sold As-Is.

12. 2021-01-22
    status Pending 1216-char remark

    Show marketing remark (1216 chars)

    One or more photo(s) has been virtually staged. Excellent opportunity to own this charming 3 bedroom, 2 bathroom brick home located within the chain of lakes in Winter Haven! A great investment property or family home for those buyers looking to add personal touches and finishes to make it the perfect forever home. Featuring a spacious living room with a cozy fireplace, inside utility room with plenty of storage space and large eat-in kitchen that leads to the light & bright Florida room. Out back you'll find a covered patio, storage shed and large fenced in backyard with plenty of room for a pool. You can't beat the location! Close to public transportation, shopping and many desirable restaurants with easy and convenient access to major roadways. To help visualize this home's floor plan and to highlight its potential, virtual furnishings have been added to photos found in this listing. All Information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify. Sold As-Is. Only cash/renovation loan offers with 0 day inspection period will be considered. Buyer should perform their due diligence/necessary inspections before submitting an offer. Sold As-Is.

13. 2021-01-11
    status Active 1216-char remark

    Show marketing remark (1216 chars)

    One or more photo(s) has been virtually staged. Excellent opportunity to own this charming 3 bedroom, 2 bathroom brick home located within the chain of lakes in Winter Haven! A great investment property or family home for those buyers looking to add personal touches and finishes to make it the perfect forever home. Featuring a spacious living room with a cozy fireplace, inside utility room with plenty of storage space and large eat-in kitchen that leads to the light & bright Florida room. Out back you'll find a covered patio, storage shed and large fenced in backyard with plenty of room for a pool. You can't beat the location! Close to public transportation, shopping and many desirable restaurants with easy and convenient access to major roadways. To help visualize this home's floor plan and to highlight its potential, virtual furnishings have been added to photos found in this listing. All Information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify. Sold As-Is. Only cash/renovation loan offers with 0 day inspection period will be considered. Buyer should perform their due diligence/necessary inspections before submitting an offer. Sold As-Is.

14. 2020-12-28
    status Pending 1216-char remark

    Show marketing remark (1216 chars)

    One or more photo(s) has been virtually staged. Excellent opportunity to own this charming 3 bedroom, 2 bathroom brick home located within the chain of lakes in Winter Haven! A great investment property or family home for those buyers looking to add personal touches and finishes to make it the perfect forever home. Featuring a spacious living room with a cozy fireplace, inside utility room with plenty of storage space and large eat-in kitchen that leads to the light & bright Florida room. Out back you'll find a covered patio, storage shed and large fenced in backyard with plenty of room for a pool. You can't beat the location! Close to public transportation, shopping and many desirable restaurants with easy and convenient access to major roadways. To help visualize this home's floor plan and to highlight its potential, virtual furnishings have been added to photos found in this listing. All Information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify. Sold As-Is. Only cash/renovation loan offers with 0 day inspection period will be considered. Buyer should perform their due diligence/necessary inspections before submitting an offer. Sold As-Is.

15. 2020-12-03
    listed $109,900 Active 1216-char remark

    Show marketing remark (1216 chars)

    One or more photo(s) has been virtually staged. Excellent opportunity to own this charming 3 bedroom, 2 bathroom brick home located within the chain of lakes in Winter Haven! A great investment property or family home for those buyers looking to add personal touches and finishes to make it the perfect forever home. Featuring a spacious living room with a cozy fireplace, inside utility room with plenty of storage space and large eat-in kitchen that leads to the light & bright Florida room. Out back you'll find a covered patio, storage shed and large fenced in backyard with plenty of room for a pool. You can't beat the location! Close to public transportation, shopping and many desirable restaurants with easy and convenient access to major roadways. To help visualize this home's floor plan and to highlight its potential, virtual furnishings have been added to photos found in this listing. All Information recorded in the MLS is intended to be accurate but cannot be guaranteed, buyer advised to verify. Sold As-Is. Only cash/renovation loan offers with 0 day inspection period will be considered. Buyer should perform their due diligence/necessary inspections before submitting an offer. Sold As-Is.

16. 1989-11-01
    soldstatus $58,300

ⓘ 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: $3,448 · $287/mo
• Projected year-2 tax: $3,448 · $287/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 1/10 Low
• 🌡 Heat 8/10 Severe 6 d/yr ≥107°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

Taxation est. · year 1

• Rental income: $22,984
• − Mortgage interest: −$9,215
• − Property taxes: −$3,448
• − Insurance: −$822
• − Repairs & maintenance: −$1,839
• − Management: −$1,839
• − Depreciation: −$4,785
• Taxable income: $1,036
• Est. tax owed @ 24.0%: −$249
• After-tax cash flow: $3,286/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
• 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

+182.2% since first listed

16 events — show timeline

• 2026-05-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-13 Listed $164,500 Stellar MLS as Distributed by MLS Grid
• 2025-10-09 Rental Removed $2,000 STELLARMLS
• 2025-09-26 Listed for Rent $2,000 STELLARMLS
• 2025-09-25 Rental Removed $2,000 STELLARMLS
• 2025-09-23 Listed for Rent $2,000 STELLARMLS
• 2025-09-04 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-08-29 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-08-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-07-30 Listed $260,000 Stellar MLS as Distributed by MLS Grid
• 2021-02-03 Sold (MLS) $115,000 Stellar MLS as Distributed by MLS Grid
• 2021-01-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-01-11 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-12-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-12-03 Listed $109,900 Stellar MLS as Distributed by MLS Grid
• 1989-11-01 Sold (Public Records) $58,300 Public Records

Property tax history

+24.3%/yr

Latest (2025): $3,448 · +11.7% YoY. Source: county tax records.