7876 Guardsmen St · Orlando, FL 32822

$239,000

3 bd · 2.0 ba · 1,201 sqft · Townhouse public records · 93 Days on market

Built 1980 4,345 sqft lot Est $292k · 18% under $53/mo HOA · 3% of rent ↓ 16% since listing

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Why this score? — see what drove the D+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +15.0/15.0
• Cash flow +12.3/30.0
• Livability +4.3/5.0
• Schools +4.1/10.0
• 1% rule +3.6/10.0
• DSCR +3.6/10.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. SPACIOUS - 3 BEDROOM 2 BATHROOM TOWNHOME - OPEN CONCEPT LIVING - FRESH INTERIOR PAINT - INSIDE LAUNDRY - SCREENED PORCH WITH FRESH FLOOR PAINT OFF LIVING AREA, Perfect for Entertaining Family and Friends - NEW WINDOW BLINDS - NEW VINYL - NEW KITCHEN 2021 - MASTER BEDROOM W/ ENSUITE - SPLIT PLAN FOR PRIVACY - PLENTY OF NATURAL LIGHT - COMMUNITY POOL/TENNIS COURTS/CLUBHOUSE/PLAYGROUND. Conveniently Located - Near Major Highways, Restaurants and Shopping - Enjoy Central Florida's Attractions - Walt Disney World, Universal Studios, SeaWorld and Everything Central Florida Has To Offer! Close to the University of Central Florida - Short Drive to Some of F

Key facts

• Open concept living
• New kitchen
• Community pool

Tags

• OPEN CONCEPT LIVING
• INSIDE LAUNDRY
• SCREENED PORCH
• NEW KITCHEN
• COMMUNITY POOL
• TENNIS COURTS

Property features AI

Finance

• Other:
• Financial info:
• HOA & community: Monthly HOA fee of $53 (includes pool and recreational facilities); Royal Manor Villas Homeowner's Association, Inc.; additional association Artemis Lifestyles/Dewitt Delancy; Pets allowed; Community pool and tennis courts

Exterior

• Parking:
• Security:
• Utilities: Public sewer; Water connected; Electricity connected; Cable available; BB/HS internet available; Phone available
• Home design: Residential townhouse; One story; Faces south
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built as building number 7876
• Exterior features: Rear porch (screened); Playground; Sidewalk; Sliding doors; Tennis courts

Interior

• Kitchen: Range; Refrigerator; Disposal; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Window treatments; 11 total rooms
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath townhouse listed at $239k.

Deal economics

• At list price, monthly cash flow is $-46 ($-549/yr) — negative.
• To cash-flow at today's rent, offer at most $231k (3.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $206k (13.8% below list).
• Recommended offer: $206k (13.8% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 3.0% in Orlando — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 86/100 on livability (#12 in FL, #360 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, housing A+.
• Orange (suburban): math 46% / reading 51% proficiency, ranked #43 of 73 in FL (top 59%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Pinar Elementary (math 52% / reading 42%, grade D-, #1,191 of 2,144 statewide, top 57%, 377 students, 74% FRL) — zoned schools average 74% FRL vs 56% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents soft (-0.7%/yr); 372 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 20d on market — plan ~3-4 weeks tenant-placement turnaround); 8,053 units permitted in Orange County in 2024 (3,133 in 5+ unit buildings).
• This rent runs 44% 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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Orange County population projected at +52% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 93 days — a 9% lower offer ($217k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $206,021 (13.8% 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 93 days. Have you received any prior offers? Is the seller open to a 14% 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 B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.86% ✗
• Cap rate: 6.06%
• Cash-on-cash: -0.82%
• DSCR: 0.96
• GRM: 9.7

CMA / ARV

• ARV (on-the-fly): $291,843
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7845 County Down Ct	0.11mi	3/2.0	1,109 (-8%)	6mo	$269,000	$243	77
3032 Stonecastle Rd	0.09mi	3/2.0	1,050 (-13%)	22mo	$295,000	$281	57
2814 Curry Village Ln	0.25mi	3/2.5	1,337 (+11%)	18mo	$320,000	$239	52

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: -21.1%
• Equity multiple: 0.29×
• Total profit: $-47,633
• Equity at exit: $35,636

10-year hold

• IRR: -23.8%
• Equity multiple: -0.02×
• Total profit: $-68,380
• Equity at exit: $20,664

Cash invested: $66,920 (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 32822

• Home prices YoY: -21.1%
• Rents YoY: -0.7%
• Active inventory: 372
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,060 high
• Mortgage (P&I): −$1,253
• Tax from tax record: −$267 /mo · $3,208/yr
• Insurance: −$100
• HOA: −$53
• Vacancy / Maint / Mgmt: −$433
• Net cashflow: $-46

Break-even live

Break-even rent $2,118

Max offer price $230,924

Occupancy floor 97%

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: $59,750
• Closing costs: $7,170
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7931 Thrippence Ln Orlando, FL	3.0	2.0	1225	$2,000	$1.63	23d	1	0.07mi
7870 Pine Fork Dr Orlando, FL	3.0	2.0	1119	$2,223	$1.99	21d	1	0.20mi
3228 Curry Woods Cir #2 Orlando, FL	3.0	2.0	1447	$2,321	$1.60	7d	1	0.30mi
2813 Whippet Ct Orlando, FL	3.0	2.0	1368	$2,349	$1.72	3d	1	0.31mi
7305 Marseille Cir Orlando, FL	3.0	2.0	1138	$2,199	$1.93	14d	1	0.42mi
7416 Lago De Oro Unit 2-A-3 Orlando, FL	3.0	2.0	1000	$1,950	$1.95	23d	1	0.43mi
7416 Lago De Oro Unit A-6 Orlando, FL	3.0	2.0	1000	$1,695	$1.70	14d	1	0.45mi
2454 Rio Pinar Lakes Blvd Orlando, FL	3.0	2.5	1208	$1,795	$1.49	20d	1	0.46mi
2454 Rio Pinar Lakes Blvd Orlando, FL	3.0	2.5	1336	$1,795	$1.34	23d	1	0.46mi
7528 Marbella Pointe Dr Orlando, FL	1.0–4.0	1.0–3.0	1141	$1,884	$1.65	2d	22	0.52mi
3049 Jon Jon Ct Orlando, FL	3.0	2.0	1050	$1,995	$1.90	23d	1	0.84mi
7721 Silver Pointe Blvd Orlando, FL	1.0–3.0	1.0–2.0	1050	$1,935	$1.84	2d	23	0.98mi
1974 S Goldenrod Rd Orlando, FL	2.0	2.0	1120	$1,824	$1.63	23d	1	1.03mi
7100 Gateshead Cir Orlando, FL	1.0–3.0	1.0–2.0	900	$2,280	$2.53	1d	33	1.04mi
4233 Anthony Ln Orlando, FL	3.0	1.0	1210	$1,925	$1.59	14d	1	1.08mi
2008 Garwood Dr Orlando, FL	3.0	2.0	1137	$1,995	$1.75	23d	1	1.13mi
3950 Southpointe Dr #418 Orlando, FL	3.0	2.0	1226	$1,985	$1.62	16d	1	1.14mi
3528 Idle Hour Dr Orlando, FL	3.0	2.0	1494	$2,600	$1.74	17d	1	1.16mi
7646 Dione Ct Orlando, FL	3.0	2.0	1172	$2,470	$2.11	23d	1	1.17mi
3638 Southpointe Dr Unit 1 Orlando, FL	2.0	2.0	820	$1,600	$1.95	23d	1	1.19mi
2042 Garwood Dr Orlando, FL	3.0	2.0	1152	$2,110	$1.83	3d	1	1.20mi
3960 Southpointe Dr #533 Orlando, FL	2.0	2.0	1045	$1,800	$1.72	7d	1	1.20mi
3524 Southpointe Dr Bldg 2 Orlando, FL	2.0	2.0	820	$1,575	$1.92	21d	1	1.21mi
3655 Atrium Dr Unit 2 Orlando, FL	2.0	2.0	820	$1,695	$2.07	14d	1	1.24mi
3766 Southpointe Dr Unit U5 Orlando, FL	2.0	2.0	820	$2,049	$2.50	7d	1	1.24mi
6206 Raintree Dr Unit GE Orlando, FL	2.0	2.0	1375	$1,850	$1.35	21d	1	1.24mi
2568 Woodgate Blvd Orlando, FL	1.0–2.0	1.0–2.0	790	$1,500	$1.90	4d	1	1.27mi
1840 Brando Dr Orlando, FL	3.0	2.0	1069	$1,995	$1.87	21d	1	1.28mi
6084 Willowpointe Cir Unit 1501435P Orlando, FL	2.0	2.0	904	$3,483	$3.85	2d	1	1.30mi
3841 Atrium Dr Unit 1271266P Orlando, FL	2.0	2.0	818	$2,468	$3.02	12d	1	1.30mi
3841 Atrium Dr Unit 1564828P Orlando, FL	2.0	2.0	818	$2,505	$3.06	2d	1	1.30mi
4004 Atrium Dr Orlando, FL	2.0	2.0	820	$1,495	$1.82	23d	1	1.31mi
2508 Woodgate Blvd #207 Orlando, FL	2.0	2.0	930	$1,600	$1.72	21d	1	1.34mi
2924 Cottage Grove Ct Unit GE Orlando, FL	3.0	2.0	1500	$2,800	$1.87	23d	1	1.34mi
3217 Westridge Blvd Orlando, FL	2.0	2.0	914	$1,800	$1.97	14d	1	1.36mi
1809 Garwood Dr Orlando, FL	4.0	1.0	1380	$2,750	$1.99	23d	1	1.37mi
3233 Candle Ridge Dr #101 Orlando, FL	2.0	2.0	914	$1,600	$1.75	7d	1	1.38mi
2536 Woodgate Blvd #107 Orlando, FL	2.0	2.0	930	$1,650	$1.77	21d	1	1.42mi
3239 Candle Ridge Dr Orlando, FL	2.0	2.0	914	$2,100	$2.30	23d	1	1.42mi
3912 Atrium Dr Unit L7 Orlando, FL	2.0	2.0	820	$1,700	$2.07	20d	1	1.43mi

HOA detail

• Monthly dues: $53 · $636/yr
• Likely covers: pool

Listing history 4 events

1. 2026-05-21
   status Pending
2. 2026-05-13
   price $239,000
3. 2026-03-20
   price $269,000
4. 2026-02-17
   listed $285,000 Active

ⓘ 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: $3,208 · $267/mo
• Projected year-2 tax: $3,208 · $267/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,723
• − Mortgage interest: −$13,388
• − Property taxes: −$3,208
• − Insurance: −$1,195
• − Repairs & maintenance: −$1,978
• − Management: −$1,978
• − HOA: −$636
• − Depreciation: −$6,953
• Taxable loss: −$4,613
• Est. tax savings @ 24.0%: +$1,107
• After-tax cash flow: $558/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: Orange
• NCES district ID: 1201440
• Math proficiency: 46% ▼ -9.00%
• Reading proficiency: 51% ▼ -2.00%
• Median HH income: $49,350
• Composite: 41.47/100
• National rank: #3461
• State rank: #43 of 73 in FL

Livability — Orlando

• Score: 86/100
• State rank: #12
• US rank: #360

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Orange County · 1,471,359 people
• City population: 964,969
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 67,081
• Household income: $56,540
• Rent vs Own: 58.0% rent · 42.0% own
• Severe rent burden: 4246.0

Population outlook (Orange County) Hauer SSP2

• Today (2025): 1,618,226 people
• By 2030: 1,787,404 · +10.5%
• By 2040: 2,125,621 · +31.4%
• By 2050: 2,454,016 · +51.6%
• By 2075: 3,173,711 · +96.1%
• By 2100: 3,607,781 · +122.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (68%)
• Race & ethnicity: Hispanic / Latino 68% Two or more races 36% White 17% Black 10% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 38% Cuban 5% Dominican 5%
• Common ancestry: Lithuanian 1% Romanian 1% Slovak 1%
• Foreign-born: 27% · Canada, Jamaica, China
• Languages at home: 36% English-only · Spanish 60% French/Haitian/Cajun 1% Arabic 1%

Political lean MEDSL · Orange

• 2024 margin: D (+13.6) · D 56.1% · R 42.5% · Other 1.3%
• 2008→2024 swing: -5.0pp toward R · 2008: 18.6pp · 2024: 13.6pp
• All cycles: 2024: D+13.6 2020: D+23.1 2016: D+24.6 2012: D+18.2 2008: D+18.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.17%
• Current HPI: 355.5775
• Rent YoY: ▼ -0.68%
• Metro: Orlando-Kissimmee-Sanford, 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

-16.1% since first listed

4 events — show timeline

• 2026-05-21 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-13 Price Changed $239,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-20 Price Changed $269,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-17 Listed $285,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+9.1%/yr

Latest (2025): $3,208 · +7.3% YoY. Source: county tax records.