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12167 High Rock Way
D- Composite 39.32
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 +11.5/30.0
  • ARV discount +7.3/15.0
  • Schools +4.4/10.0
  • 1% rule +4.3/10.0
  • Livability +3.6/5.0
  • DSCR +3.4/10.0
  • Condition / age +2.5/5.0
  • Rent growth +2.3/5.0
  • Appreciation +0.0/10.0

$295,000

12167 High Rock Way · Ruskin, FL 34219
4 bd · 2.0 ba · 1,406 sqft · SingleFamily public records · 206 Days on market
Built 2021 5,140 sqft lot Est $294k · at est. $131/mo HOA · 5% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

BETTER THAN NEW! This 1-year-old home is nestled in the wonderful community of Bella Lago. Your new HOME ON THE WATER features 4-bedrooms and 2-bathrooms with an open concept floor plan so you never miss a moment of fun while entertaining family & friends. All common areas and bathrooms have beautiful neutral ceramic tile while the bedrooms possess the warmth of carpet. The kitchen features granite counters, stainless steel appliances and a closet pantry with a dining area (able to accommodate large holiday gatherings). All bedrooms are very nicely sized with a large walk-in closet in the master. From the great room is access to the fabulous backyard. Enjoy the full water view as you watch wildlife play in the enormous pond (all right in your backyard) – amazing! This is Florida living and everything is only 1-year old – no need to replace any big-ticket items here and absolutely no need to wait for new construction – Your Next Home is ready & waiting for you. Bell Lago has a state-of-the-art amenity center containing a clubhouse with fitness center, a luxurious pool & lounging area, tot lot, multi-purpose sports field and picnic area. Just a quick hop on the highway gets you to any of the most amazing and award-winning beaches on the Florida Gulf Coast. So close to shopping, entertainment, major highways, and magical theme parks – Just WOW! Schedule your private showing today - It’s time to start living the Good Life!

Key facts

  • Pond view
  • Backyard oasis
  • Modern kitchen

Tags

POND VIEWOPEN-CONCEPT LAYOUTMODERN KITCHENGRANITE COUNTERTOPSSTAINLESS STEEL APPLIANCESBACKYARD OASIS

Property features AI

Finance

  • Other: Total living area approximately 1,406 sqft (per public records); Total building area approximately 1,668 sqft; Lot approximately 0.12 acres; Irrigation equipment installed
  • Financial info: CDD applicable
  • HOA & community: HOA with Access Management; monthly fee $131 (required) with association approval required; Community amenities include pool, clubhouse, fitness center, playground, basketball court and sidewalks; Irrigation (reclaimed water) available; Pets allowed

Exterior

  • Parking: Attached 1-car garage (21 x 10) with garage door opener; Driveway
  • Security: Smoke detector(s)
  • Utilities: Public water; Public sewer; Electricity connected; Water connected
  • Home design: Single family residence; One story; North-facing
  • Construction: Block and stucco construction; Shingle roof; Slab foundation; Built by DR Horton
  • Exterior features: Rear porch; Hurricane shutters; Exterior lighting; Sidewalks; Pond with water view (48 ft frontage); On waterfront (pond)

Interior

  • Kitchen: Dishwasher; Microwave; Range; Refrigerator; Electric water heater
  • Bedrooms: 4 bedrooms
  • Flooring: Ceramic tile
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Central heating (electric); Central air conditioning
  • Interior features: Open floorplan with kitchen/family room combo; Thermostat; Walk-in closet(s); Blinds
  • Laundry & utility: Laundry room inside

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $295k.

Deal economics

  • At list price, monthly cash flow is $-95 ($-1k/yr) — negative.
  • To cash-flow at today's rent, offer at most $278k (5.7% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $275k (6.9% below list).
  • Recommended offer: $260k (12.0% below list) — sets the bar for market timing.
  • Cap rate 5.9% vs local median 4.7% in Ruskin — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

  • Location reads 71/100 on livability (#392 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, commute B+; Watch: amenities F, health & safety F.
  • Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Barbara A Harvey Elementary School (math 74% / reading 59%, grade B+, #473 of 2,144 statewide, top 23%, 1,069 students, 33% FRL); Buffalo Creek Middle School (math 59% / reading 51%, grade B-, #180 of 571 statewide, top 32%, 1,127 students, 44% FRL); Parrish Community High School (math 47% / reading 57%, grade D+, #160 of 667 statewide, top 25%, 2,017 students, 32% FRL).
  • Market conditions: Rents soft (-0.9%/yr); 2194 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 18d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 7,472 units permitted in Manatee County in 2024 (1,782 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 $9k of value loss. Plan a longer hold.
  • Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 206 days — a 12% lower offer ($260k) is reasonable based on typical stale-listing flexibility.
  • 6 sale attempts since 6y ago; this cycle's ask has dropped $30k (9%) 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→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $259,600 (12.0% 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. It's been on market 206 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  6. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  7. 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?
  8. 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.
  9. 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.
  10. 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
0.93%
Cap rate
5.91%
Cash-on-cash
-1.38%
DSCR
0.94
GRM
9.0

CMA / ARV

ARV (on-the-fly)
$293,854
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
12220 Mountain Island Trl 0.22mi 3/2.0 (-1) 1,516 (+8%) 0mo $307,000 $203 71
10008 Caddo Dr 0.35mi 3/2.0 (-1) 1,504 (+7%) 3mo $306,564 $204 64
11910 Texoma Ct 0.39mi 3/2.0 (-1) 1,504 (+7%) 1mo $310,000 $206 64
10005 Caddo Dr 0.38mi 3/2.0 (-1) 1,504 (+7%) 3mo $310,350 $206 63
9940 Wimico Ter 0.42mi 3/2.0 (-1) 1,504 (+7%) 1mo $311,000 $207 62
9928 Wimico Ter 0.44mi 3/2.0 (-1) 1,504 (+7%) 1mo $319,000 $212 62
11921 Texoma Ct 0.40mi 3/2.0 (-1) 1,504 (+7%) 3mo $317,840 $211 62
9935 Wimico Ter 0.45mi 3/2.0 (-1) 1,504 (+7%) 0mo $310,172 $206 62
11913 Texoma Ct 0.41mi 3/2.0 (-1) 1,504 (+7%) 3mo $314,564 $209 62
11917 Texoma Ct 0.41mi 3/2.0 (-1) 1,504 (+7%) 3mo $321,465 $214 62
9932 Wimico Ter 0.44mi 3/2.0 (-1) 1,504 (+7%) 2mo $317,000 $211 62
9923 Wimico Ter 0.47mi 3/2.0 (-1) 1,504 (+7%) 1mo $314,000 $209 61

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 · 0.0% rent growth · sell at horizon

5-year hold
IRR
-22.3%
Equity multiple
0.25×
Total profit
$-61,711
Equity at exit
$43,985
10-year hold
IRR
-28.0%
Equity multiple
-0.11×
Total profit
$-91,886
Equity at exit
$25,506

Cash invested: $82,600 (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.

ZIP-level market 34219

Home prices YoY
-23.7%
Rents YoY
-0.9%
Active inventory
2194
Price-to-rent
9.0×

Monthly cashflow live

Estimated rent
$2,746 high interval (Pro) →
Mortgage (P&I)
$1,547
Tax from tax record
$463 /mo · $5,561/yr
Insurance
$123
HOA
$131
Vacancy / Maint / Mgmt
$577
Net cashflow
$-95

Break-even live

Break-even rent $2,866
Max offer price $278,246
Occupancy floor 98%

Sensitivity live

Price -10% $72 -5% $-11 +0% $-95 +5% $-178 +10% $-262
Rent -10% $-312 -5% $-203 +0% $-95 +5% $14 +10% $122
Rate -1.0pp $54 -0.5pp $-20 base $-95 +0.5pp $-171 +1.0pp $-249

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
$73,750
Closing costs
$8,850
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 11 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
9928 Wimico Ter Parrish, FL 3.0 2.0 1504 $2,450 $1.63 18d 1 0.44mi
11880 Little River Way Parrish, FL 4.0 2.0 1635 $2,650 $1.62 25d 1 1.02mi
11454 Gallatin Trl Parrish, FL 4.0 2.0 1635 $2,575 $1.57 18d 1 1.08mi
8423 Canyon Creek Trl Parrish, FL 3.0 2.5 1823 $2,400 $1.32 25d 1 1.35mi
8522 Canyon Creek Trl Parrish, FL 3.0 2.5 1822 $2,000 $1.10 25d 1 1.37mi
8544 Canyon Creek Trl Parrish, FL 3.0 2.5 1822 $2,300 $1.26 13d 1 1.39mi
8850 Ginko Run Parrish, FL 3.0 2.5 1691 $2,600 $1.54 18d 1 1.42mi
11567 84th Street Cir E #105 Parrish, FL 3.0 2.5 1420 $1,999 $1.41 5d 1 1.44mi
8123 Trimbelle Ter Parrish, FL 3.0 2.0 1722 $2,850 $1.66 18d 1 1.46mi
12573 Oak Hill Way Parrish, FL 3.0 2.0 1518 $2,500 $1.65 5d 1 1.48mi
11522 84th Street Cir E #105 Parrish, FL 3.0 2.5 1588 $2,300 $1.45 25d 1 1.49mi

HOA detail

Monthly dues
$131 · $1,572/yr
Likely covers
waterpoolgym

Listing history 50 events

  1. 2026-06-22
    days on market $295,000 Active 206 DOM
  2. 2026-06-18
    days on market $295,000 Active 203 DOM
  3. 2026-06-17
    days on market $295,000 Active 202 DOM
  4. 2026-06-16
    days on market $295,000 Active 201 DOM
  5. 2026-06-15
    days on market $295,000 Active 200 DOM
  6. 2026-06-13
    days on market $295,000 Active 198 DOM
  7. 2026-06-13
    days on market $295,000 Active 197 DOM
  8. 2026-06-10
    days on market $295,000 Active 195 DOM
  9. 2026-06-09
    days on market $295,000 Active 194 DOM
  10. 2026-06-08
    days on market $295,000 Active 193 DOM
  11. 2026-06-08
    days on market $295,000 Active 192 DOM
  12. 2026-06-03
    days on market $295,000 Active 188 DOM
  13. 2026-06-02
    days on market $295,000 Active 187 DOM
  14. 2026-06-01
    days on market $295,000 Active 186 DOM
  15. 2026-05-31
    days on market $295,000 Active 185 DOM
  16. 2026-05-03
    price $300,000
  17. 2026-04-07
    price $307,500
  18. 2026-03-07
    price $312,500
  19. 2026-02-05
    price $317,500
  20. 2026-01-12
    price $322,500
  21. 2025-11-27
    listed $325,000 Active
  22. 2024-09-13
    historical $2,010
  23. 2024-09-13
    listed $2,010
  24. 2024-08-29
    historical $2,010
  25. 2024-08-28
    historical $2,010
  26. 2024-08-21
    price $2,010
  27. 2024-08-16
    price $2,010
  28. 2024-08-02
    price $2,110
  29. 2024-08-02
    price $2,110
  30. 2024-07-14
    price $2,210
  31. 2024-07-13
    price $2,210
  32. 2024-06-28
    price $2,285
  33. 2024-06-28
    price $2,285
  34. 2024-06-15
    price $2,360
  35. 2024-06-15
    price $2,360
  36. 2024-05-24
    price $2,410
  37. 2024-05-24
    price $2,410
  38. 2024-05-18
    price $2,460
  39. 2024-05-17
    price $2,460
  40. 2024-05-03
    listed $2,510
  41. 2024-05-02
    listed $2,510
  42. 2023-06-02
    historical
  43. 2022-09-13
    soldstatus $408,000
  44. 2022-09-09
    soldstatus $408,000 Closed 1490-char remark
    Show marketing remark (1490 chars)

    BETTER THAN NEW! This 1-year-old home is nestled in the wonderful community of Bella Lago. Your new HOME ON THE WATER features 4-bedrooms and 2-bathrooms with an open concept floor plan so you never miss a moment of fun while entertaining family & friends. All common areas and bathrooms have beautiful neutral ceramic tile while the bedrooms possess the warmth of carpet. The kitchen features granite counters, stainless steel appliances and a closet pantry with a dining area (able to accommodate large holiday gatherings). All bedrooms are very nicely sized with a large walk-in closet in the master. From the great room is access to the fabulous backyard. Enjoy the full water view as you watch wildlife play in the enormous pond (all right in your backyard) – amazing! This is Florida living and everything is only 1-year old – no need to replace any big-ticket items here and absolutely no need to wait for new construction – Your Next Home is ready & waiting for you. Bell Lago has a state-of-the-art amenity center containing a clubhouse with fitness center, a luxurious pool & lounging area, tot lot, multi-purpose sports field and picnic area. Just a quick hop on the highway gets you to any of the most amazing and award-winning beaches on the Florida Gulf Coast. So close to shopping, entertainment, major highways, and magical theme parks – Just WOW! Schedule your private showing today - It’s time to start living the Good Life!

  45. 2022-08-11
    status Pending 1490-char remark
    Show marketing remark (1490 chars)

    BETTER THAN NEW! This 1-year-old home is nestled in the wonderful community of Bella Lago. Your new HOME ON THE WATER features 4-bedrooms and 2-bathrooms with an open concept floor plan so you never miss a moment of fun while entertaining family & friends. All common areas and bathrooms have beautiful neutral ceramic tile while the bedrooms possess the warmth of carpet. The kitchen features granite counters, stainless steel appliances and a closet pantry with a dining area (able to accommodate large holiday gatherings). All bedrooms are very nicely sized with a large walk-in closet in the master. From the great room is access to the fabulous backyard. Enjoy the full water view as you watch wildlife play in the enormous pond (all right in your backyard) – amazing! This is Florida living and everything is only 1-year old – no need to replace any big-ticket items here and absolutely no need to wait for new construction – Your Next Home is ready & waiting for you. Bell Lago has a state-of-the-art amenity center containing a clubhouse with fitness center, a luxurious pool & lounging area, tot lot, multi-purpose sports field and picnic area. Just a quick hop on the highway gets you to any of the most amazing and award-winning beaches on the Florida Gulf Coast. So close to shopping, entertainment, major highways, and magical theme parks – Just WOW! Schedule your private showing today - It’s time to start living the Good Life!

  46. 2022-08-10
    listed $400,000 Active 1490-char remark
    Show marketing remark (1490 chars)

    BETTER THAN NEW! This 1-year-old home is nestled in the wonderful community of Bella Lago. Your new HOME ON THE WATER features 4-bedrooms and 2-bathrooms with an open concept floor plan so you never miss a moment of fun while entertaining family & friends. All common areas and bathrooms have beautiful neutral ceramic tile while the bedrooms possess the warmth of carpet. The kitchen features granite counters, stainless steel appliances and a closet pantry with a dining area (able to accommodate large holiday gatherings). All bedrooms are very nicely sized with a large walk-in closet in the master. From the great room is access to the fabulous backyard. Enjoy the full water view as you watch wildlife play in the enormous pond (all right in your backyard) – amazing! This is Florida living and everything is only 1-year old – no need to replace any big-ticket items here and absolutely no need to wait for new construction – Your Next Home is ready & waiting for you. Bell Lago has a state-of-the-art amenity center containing a clubhouse with fitness center, a luxurious pool & lounging area, tot lot, multi-purpose sports field and picnic area. Just a quick hop on the highway gets you to any of the most amazing and award-winning beaches on the Florida Gulf Coast. So close to shopping, entertainment, major highways, and magical theme parks – Just WOW! Schedule your private showing today - It’s time to start living the Good Life!

  47. 2021-07-23
    soldstatus $289,990 Closed 903-char remark
    Show marketing remark (903 chars)

    Under Construction. Our Express Series homes at Bella Lago provide value and affordability, setting homeownership dreams within reach. Featuring all concrete block construction and open-concept floorplans, each home comes equipped with a full appliance package, our automated smart home system, granite counters in the kitchen, and tile extended throughout the main, first floor living area. Homeowners will also enjoy a state-of-the-art amenity center, containing a clubhouse with fitness center, luxurious pool and lounging area, Tot Lot, multi-purpose sports field, and covered picnic area. 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.

  48. 2021-05-25
    status Pending 903-char remark
    Show marketing remark (903 chars)

    Under Construction. Our Express Series homes at Bella Lago provide value and affordability, setting homeownership dreams within reach. Featuring all concrete block construction and open-concept floorplans, each home comes equipped with a full appliance package, our automated smart home system, granite counters in the kitchen, and tile extended throughout the main, first floor living area. Homeowners will also enjoy a state-of-the-art amenity center, containing a clubhouse with fitness center, luxurious pool and lounging area, Tot Lot, multi-purpose sports field, and covered picnic area. 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.

  49. 2021-05-24
    price $299,990 903-char remark
    Show marketing remark (903 chars)

    Under Construction. Our Express Series homes at Bella Lago provide value and affordability, setting homeownership dreams within reach. Featuring all concrete block construction and open-concept floorplans, each home comes equipped with a full appliance package, our automated smart home system, granite counters in the kitchen, and tile extended throughout the main, first floor living area. Homeowners will also enjoy a state-of-the-art amenity center, containing a clubhouse with fitness center, luxurious pool and lounging area, Tot Lot, multi-purpose sports field, and covered picnic area. 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.

  50. 2021-05-12
    price $289,990 903-char remark
    Show marketing remark (903 chars)

    Under Construction. Our Express Series homes at Bella Lago provide value and affordability, setting homeownership dreams within reach. Featuring all concrete block construction and open-concept floorplans, each home comes equipped with a full appliance package, our automated smart home system, granite counters in the kitchen, and tile extended throughout the main, first floor living area. Homeowners will also enjoy a state-of-the-art amenity center, containing a clubhouse with fitness center, luxurious pool and lounging area, Tot Lot, multi-purpose sports field, and covered picnic area. 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.

ⓘ 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
$5,561 · $463/mo
Projected year-2 tax
$5,561 · $463/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 10/10 Extreme 7 d/yr ≥107°F today · 28 d/yr by 30 yrs out
  • 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 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
$32,954
− Mortgage interest
−$16,525
− Property taxes
−$5,561
− Insurance
−$1,475
− Repairs & maintenance
−$2,636
− Management
−$2,636
− HOA
−$1,572
− Depreciation
−$8,582
Taxable loss
−$6,033
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$1,448
After-tax cash flow
$310/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
Manatee
NCES district ID
1201230
Math proficiency
54% ▼ -6.00%
Reading proficiency
50% ▼ -2.00%
Median HH income
$49,607
Composite
44.43/100
National rank
#2806
State rank
#26 of 73 in FL

Livability — Ruskin

Score
71/100
State rank
#392
US rank
#6879

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Manatee County · 416,364 people
City population
33,319
Metro
North Port-Sarasota-Bradenton, FL
Population (ZIP)
33,296
Household income
$113,773
Rent vs Own
8.1% rent · 91.9% own
Severe rent burden
219.0

Population outlook (Manatee County) Hauer SSP2

Today (2025)
447,342 people
By 2030
488,911 · +9.3%
By 2040
567,934 · +27.0%
By 2050
637,995 · +42.6%
By 2075
781,970 · +74.8%
By 2100
848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (75%)
Race & ethnicity
White 75% Hispanic / Latino 11% Two or more races 8% Black 8% Asian 2%
Hispanic origin (detail)
Mexican 2% Puerto Rican 3%
Common ancestry
Romanian 4% Hispanic 2% Russian 2%
Foreign-born
10% · Canada, Dominican Republic, Jamaica
Languages at home
88% English-only · Spanish 7% French/Haitian/Cajun 2% Other Asian/Pacific 1%

Political lean MEDSL · Manatee

2024 margin
Strong R (+23.5) · D 37.9% · R 61.4%
2008→2024 swing
-16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
All cycles
2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

Civics

Market trends

HPI YoY
▼ -84.45%
Current HPI
271.7131
Rent YoY
▼ -0.95%
Metro
North Port-Sarasota-Bradenton, FL
State GDP YoY
▲ 3.28%
F500 in state
36

Industry mix (Fortune 500 HQ in FL)

Industry F500 HQs Revenue

Price history

+15.8% since first listed
54 events — show timeline
  • 2026-05-03 Price Changed $300,000 Stellar MLS as Distributed by MLS Grid
  • 2026-04-07 Price Changed $307,500 Stellar MLS as Distributed by MLS Grid
  • 2026-03-07 Price Changed $312,500 Stellar MLS as Distributed by MLS Grid
  • 2026-02-05 Price Changed $317,500 Stellar MLS as Distributed by MLS Grid
  • 2026-01-12 Price Changed $322,500 Stellar MLS as Distributed by MLS Grid
  • 2025-11-27 Listed $325,000 Stellar MLS as Distributed by MLS Grid
  • 2024-09-13 Rental Removed $2,010 RENT.
  • 2024-09-13 Listed for Rent $2,010 RENT.
  • 2024-08-29 Rental Removed $2,010 RENTLY
  • 2024-08-28 Rental Removed $2,010 RENT.
  • 2024-08-21 Price Changed $2,010 RENT.
  • 2024-08-16 Price Changed $2,010 RENTLY
  • 2024-08-02 Price Changed $2,110 RENTLY
  • 2024-08-02 Price Changed $2,110 RENT.
  • 2024-07-14 Price Changed $2,210 RENTLY
  • 2024-07-13 Price Changed $2,210 RENT.
  • 2024-06-28 Price Changed $2,285 RENTLY
  • 2024-06-28 Price Changed $2,285 RENT.
  • 2024-06-15 Price Changed $2,360 RENTLY
  • 2024-06-15 Price Changed $2,360 RENT.
  • 2024-05-24 Price Changed $2,410 RENTLY
  • 2024-05-24 Price Changed $2,410 RENT.
  • 2024-05-18 Price Changed $2,460 RENT.
  • 2024-05-17 Price Changed $2,460 RENTLY
  • 2024-05-03 Listed for Rent $2,510 RENTLY
  • 2024-05-02 Listed for Rent $2,510 RENT.
  • 2023-06-02 Rental Removed RENT.
  • 2022-09-13 Sold (Public Records) $408,000 Public Records
  • 2022-09-09 Sold (MLS) $408,000 Stellar MLS as Distributed by MLS Grid
  • 2022-08-11 Pending Stellar MLS as Distributed by MLS Grid
  • 2022-08-10 Listed $400,000 Stellar MLS as Distributed by MLS Grid
  • 2021-07-23 Sold (MLS) $289,990 Stellar MLS as Distributed by MLS Grid
  • 2021-05-25 Pending Stellar MLS as Distributed by MLS Grid
  • 2021-05-24 Price Changed $299,990 Stellar MLS as Distributed by MLS Grid
  • 2021-05-12 Price Changed $289,990 Stellar MLS as Distributed by MLS Grid
  • 2021-05-10 Price Changed $292,990 Stellar MLS as Distributed by MLS Grid
  • 2021-05-04 Price Changed $290,990 Stellar MLS as Distributed by MLS Grid
  • 2021-04-28 Price Changed $289,990 Stellar MLS as Distributed by MLS Grid
  • 2021-04-26 Price Changed $279,990 Stellar MLS as Distributed by MLS Grid
  • 2021-04-26 Price Changed $284,990 Stellar MLS as Distributed by MLS Grid
  • 2021-04-21 Price Changed $279,990 Stellar MLS as Distributed by MLS Grid
  • 2021-04-19 Price Changed $284,990 Stellar MLS as Distributed by MLS Grid
  • 2021-03-29 Price Changed $283,990 Stellar MLS as Distributed by MLS Grid
  • 2021-03-25 Price Changed $281,990 Stellar MLS as Distributed by MLS Grid
  • 2021-03-18 Price Changed $275,990 Stellar MLS as Distributed by MLS Grid
  • 2021-03-11 Price Changed $274,990 Stellar MLS as Distributed by MLS Grid
  • 2021-03-08 Price Changed $278,990 Stellar MLS as Distributed by MLS Grid
  • 2021-03-01 Price Changed $268,990 Stellar MLS as Distributed by MLS Grid
  • 2021-02-22 Price Changed $265,990 Stellar MLS as Distributed by MLS Grid
  • 2021-02-16 Price Changed $264,990 Stellar MLS as Distributed by MLS Grid
  • 2021-02-01 Price Changed $263,990 Stellar MLS as Distributed by MLS Grid
  • 2021-01-20 Price Changed $260,990 Stellar MLS as Distributed by MLS Grid
  • 2021-01-14 Price Changed $259,990 Stellar MLS as Distributed by MLS Grid
  • 2020-12-20 Listed $258,990 Stellar MLS as Distributed by MLS Grid

Property tax history

+27.3%/yr

Latest (2025): $5,561 · +2.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…