12167 High Rock Way · Ruskin, FL
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $947 – $1,759
Heat risk 10/10 · Severe
- Hot days now (above 107°F)
- 7 days/yr
- Hot days in 30 yrs
- 28 days/yr
Wind risk 10/10 · Severe
- Chance of severe wind over 30 yrs
- 99.0%
Air-quality risk 3/10 · Minor
- Unhealthy air days now
- 3 days/yr
- Unhealthy air days in 30 yrs
- 3 days/yr
Risk factors via First Street. Map © Google.
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
🖨 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
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
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.
Questions for the listing agent
- 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?
- 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?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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
- 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
- IRR
- -22.3%
- Equity multiple
- 0.25×
- Total profit
- $-61,711
- Equity at exit
- $43,985
- 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
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
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
| Address | Beds | Baths | Sqft | Rent | $/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
-
2026-06-22days on market $295,000 Active 206 DOM
-
2026-06-18days on market $295,000 Active 203 DOM
-
2026-06-17days on market $295,000 Active 202 DOM
-
2026-06-16days on market $295,000 Active 201 DOM
-
2026-06-15days on market $295,000 Active 200 DOM
-
2026-06-13days on market $295,000 Active 198 DOM
-
2026-06-13days on market $295,000 Active 197 DOM
-
2026-06-10days on market $295,000 Active 195 DOM
-
2026-06-09days on market $295,000 Active 194 DOM
-
2026-06-08days on market $295,000 Active 193 DOM
-
2026-06-08days on market $295,000 Active 192 DOM
-
2026-06-03days on market $295,000 Active 188 DOM
-
2026-06-02days on market $295,000 Active 187 DOM
-
2026-06-01days on market $295,000 Active 186 DOM
-
2026-05-31days on market $295,000 Active 185 DOM
-
2026-05-03price $300,000
-
2026-04-07price $307,500
-
2026-03-07price $312,500
-
2026-02-05price $317,500
-
2026-01-12price $322,500
-
2025-11-27$325,000 Active
-
2024-09-13historical $2,010
-
2024-09-13$2,010
-
2024-08-29historical $2,010
-
2024-08-28historical $2,010
-
2024-08-21price $2,010
-
2024-08-16price $2,010
-
2024-08-02price $2,110
-
2024-08-02price $2,110
-
2024-07-14price $2,210
-
2024-07-13price $2,210
-
2024-06-28price $2,285
-
2024-06-28price $2,285
-
2024-06-15price $2,360
-
2024-06-15price $2,360
-
2024-05-24price $2,410
-
2024-05-24price $2,410
-
2024-05-18price $2,460
-
2024-05-17price $2,460
-
2024-05-03$2,510
-
2024-05-02$2,510
-
2023-06-02historical
-
2022-09-13soldstatus $408,000
-
2022-09-09soldstatus $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!
-
2022-08-11status 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!
-
2022-08-10$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!
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2021-07-23soldstatus $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.
-
2021-05-25status 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.
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2021-05-24price $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.
-
2021-05-12price $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
- 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
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
- 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 |
|---|---|---|
| Industrial Technology | 2 | $29B |
|
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| Insurance | 2 | $17B |
|
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
|
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| Homebuilding | 1 | $35B |
|
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| Technology Manufacturing | 1 | $35B |
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Price history
+15.8% since first listed54 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%/yrLatest (2025): $5,561 · +2.2% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…