CashFlowRE
Sign in Sign up
8826 Bahama Mia Ln
D- Composite 36.73
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 +10.0/30.0
  • ARV discount +7.5/15.0
  • Schools +4.4/10.0
  • Livability +3.8/5.0
  • 1% rule +3.3/10.0
  • DSCR +2.9/10.0
  • Condition / age +2.5/5.0
  • Rent growth +2.3/5.0
  • Appreciation +0.0/10.0

$354,000

8826 Bahama Mia Ln · Ellenton, FL 34219
4 bd · 2.0 ba · 1,828 sqft · Land · 147 Days on market
Built 2026 6,050 sqft lot $100/mo HOA · 3% of rent

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

Listing remarks MLS

This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

Key facts

  • Private bar
  • Swim-up lagoon bar
  • Splash pad

Tags

CRYSTAL-CLEAR LAGOONPRIVATE BARSWIM-UP LAGOON BARSPLASH PADWATER OBSTACLE COURSESUPER SLIDE

Property features AI

Finance

  • Other: Home warranty included
  • Financial info: Other annual assessment: $3,823; Lease restrictions apply
  • HOA & community: Member of Seaire Master Homeowners Association; Monthly HOA fee $100; HOA fee includes pool, internet, grounds maintenance, recreational facilities; Association amenities: playground, pool; Association approval required; Deed restrictions; Pets allowed

Exterior

  • Parking: Attached 2-car garage (20x20)
  • Security: Hurricane shutters
  • Utilities: Public water; Public sewer; Cable available; Electricity connected; Phone available; Water connected; Sewer connected
  • Home design: Single family residence; One story; Under construction (projected completion: 2026-05-15); Faces south
  • Construction: Block and stucco construction; Shingle roof; Slab foundation; New construction by D.R. Horton (Builder model: CALI)
  • Exterior features: Patio; Hurricane shutters; Sidewalk; Sliding doors; Metered sprinkler; Trees and landscaping; Paved road

Interior

  • Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator
  • Bedrooms: 4 bedrooms
  • Flooring: Carpet
  • Bathrooms: 2 full bathrooms
  • Heating & cooling: Central heating; Electric heating; Heat pump; Central air conditioning
  • Interior features: Kitchen and family room combined; Open floorplan; Thermostat; Walk-in closets; Blinds and window treatments
  • Laundry & utility: Laundry room; Washer; Dryer

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 land listed at $354k.

Deal economics

  • At list price, monthly cash flow is $-212 ($-3k/yr) — negative.
  • To cash-flow at today's rent, offer at most $323k (8.7% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $295k (16.5% below list).
  • Recommended offer: $295k (16.5% below list) — sets the bar for 1% rule.
  • Cap rate 5.6% vs local median 4.5% in Ellenton — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

  • Location reads 76/100 on livability (#232 in FL, #3,666 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute 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); Parrish Community High School (math 47% / reading 57%, grade D+, #160 of 667 statewide, top 25%, 2,017 students, 32% FRL) — zoned schools average 33% FRL vs 51% district-wide (18 pts lower); this property's tenant base skews higher-income than the district average.
  • Market conditions: Rents soft (-0.9%/yr); 2170 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 16d 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).
  • This rent runs 31% of the median local income ($114k/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 $11k 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 147 days — a 12% lower offer ($312k) is reasonable based on typical stale-listing flexibility.
  • 2 sale attempts; this cycle's ask has dropped $55k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Recommended offer $295,458 (16.5% 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 147 days. Have you received any prior offers? Is the seller open to a 17% 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 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?
  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
0.83%
Cap rate
5.57%
Cash-on-cash
-2.57%
DSCR
0.89
GRM
10.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold
IRR
-24.1%
Equity multiple
0.20×
Total profit
$-79,437
Equity at exit
$52,783
10-year hold
IRR
-31.7%
Equity multiple
-0.21×
Total profit
$-119,615
Equity at exit
$30,607

Cash invested: $99,120 (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
2170
Price-to-rent
10.0×

Monthly cashflow live

Estimated rent
$2,955 high interval (Pro) →
Mortgage (P&I)
$1,856
Tax est. 1.5%
$442 /mo · $5,310/yr
Insurance
$148
HOA
$100
Vacancy / Maint / Mgmt
$620
Net cashflow
$-212

Break-even live

Break-even rent $3,223
Max offer price $323,280
Occupancy floor

Sensitivity live

Price -10% $32 -5% $-90 +0% $-212 +5% $-335 +10% $-457
Rent -10% $-446 -5% $-329 +0% $-212 +5% $-96 +10% $21
Rate -1.0pp $-34 -0.5pp $-122 base $-212 +0.5pp $-304 +1.0pp $-397

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
$88,500
Closing costs
$10,620
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 17 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
9432 Bella Mar Trl Parrish, FL 4.0 2.5 2045 $2,699 $1.32 17d 1 0.14mi
8541 Bella Mar Trl Parrish, FL 5.0 3.0 2389 $2,800 $1.17 11d 1 0.18mi
8505 Bella Mar Trl Parrish, FL 4.0 2.5 1870 $2,750 $1.47 17d 1 0.24mi
9009 Moccasin Wallow Rd Parrish, FL 3.0–4.0 2.5 1581 $2,304 $1.46 2d 32 0.31mi
9276 Bonita Mar Dr Parrish, FL 4.0 2.5 2466 $4,250 $1.72 24d 1 0.45mi
9224 Bonita Mar Dr Parrish, FL 3.0 2.5 1799 $2,290 $1.27 24d 1 0.49mi
9207 Bonita Mar Dr Parrish, FL 3.0 2.5 1666 $2,275 $1.37 24d 1 0.52mi
9962 Last Light Gln Parrish, FL 4.0 2.0 1740 $2,495 $1.43 4d 1 0.66mi
9262 Gulf Haven Dr Palmetto, FL 3.0 2.5 2043 $2,750 $1.35 15d 1 0.75mi
10225 Daybreak Gln Parrish, FL 4.0 3.0 1978 $2,600 $1.31 4d 1 0.80mi
7566 Sea Oak Ct Palmetto, FL 3.0 2.5 1807 $2,700 $1.49 22d 1 0.83mi
7562 Sea Oak Ct Palmetto, FL 3.0 2.0 1433 $2,400 $1.67 22d 1 0.83mi
10416 High Noon Trl Parrish, FL 3.0 2.0 1412 $2,400 $1.70 4d 1 0.98mi
10455 Wet Marsh Cv Parrish, FL 3.0 2.0 1635 $2,650 $1.62 11d 1 1.04mi
9544 Sandy Bluffs Cir Parrish, FL 5.0 3.0 2557 $2,950 $1.15 4d 1 1.09mi
10120 Abrazo DR Palmetto, FL 1.0–3.0 1.0–2.5 1122 $2,675 $2.38 3d 24 1.11mi
7122 87th Ln E Palmetto, FL 4.0 2.0 1593 $2,750 $1.73 24d 1 1.11mi

HOA detail

Monthly dues
$100 · $1,200/yr
Likely covers
electric

Listing history 41 events

  1. 2026-06-18
    days on market $354,000 Active 147 DOM
  2. 2026-06-17
    price $354,000 Active 146 DOM
  3. 2026-06-17
    days on market $359,000 Active 146 DOM
  4. 2026-06-16
    days on market $359,000 Active 145 DOM
  5. 2026-06-15
    days on market $359,000 Active 144 DOM
  6. 2026-06-13
    days on market $359,000 Active 142 DOM
  7. 2026-06-13
    pricedays on market $359,000 Active 141 DOM
  8. 2026-06-10
    days on market $364,000 Active 139 DOM
  9. 2026-06-09
    days on market $364,000 Active 138 DOM
  10. 2026-06-08
    days on market $364,000 Active 137 DOM
  11. 2026-06-08
    pricedays on market $364,000 Active 136 DOM
  12. 2026-06-03
    days on market $369,000 Active 132 DOM
  13. 2026-06-02
    days on market $369,000 Active 131 DOM
  14. 2026-06-01
    days on market $369,000 Active 130 DOM
  15. 2026-05-31
    days on market $369,000 Active 129 DOM
  16. 2026-05-21
    price $369,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  17. 2026-05-19
    price $369,000
  18. 2026-05-14
    price $372,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  19. 2026-05-13
    price $372,000
  20. 2026-05-12
    price $374,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  21. 2026-05-06
    price $369,000
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  22. 2026-05-06
    price $369,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  23. 2026-05-01
    price $374,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  24. 2026-04-30
    price $374,000
  25. 2026-04-23
    price $377,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  26. 2026-04-22
    price $377,000
  27. 2026-04-15
    price $379,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  28. 2026-04-15
    price $379,000
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  29. 2026-04-11
    price $384,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  30. 2026-04-10
    price $384,000
  31. 2026-04-04
    price $389,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  32. 2026-04-03
    price $389,000
  33. 2026-03-26
    price $392,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  34. 2026-03-25
    price $392,000
  35. 2026-03-22
    price $394,000 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  36. 2026-03-18
    price $394,000
  37. 2026-03-13
    price $396,990
  38. 2026-03-11
    price $396,990 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  39. 2026-01-23
    listed $408,990 Active 845-char remark
    Show marketing remark (845 chars)

    This all concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and the outdoor covered lanai. The well-appointed kitchen comes with all appliances, including refrigerator, built-in dishwasher, electric range, and microwave. Bedroom 1, located at the back of the home for privacy, includes Bathroom 1. Two additional bedrooms share the second bathroom. The third bedroom is located near the laundry room, which is equipped with included washer and dryer. 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.

  40. 2026-01-22
    listed $408,990 Active
  41. 2025-10-22
    soldstatus $3,486,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$35,455
− Mortgage interest
−$19,830
− Property taxes
−$5,310
− Insurance
−$1,770
− Repairs & maintenance
−$2,836
− Management
−$2,836
− HOA
−$1,200
− Depreciation
−$10,298
Taxable loss
−$8,626
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$2,070
After-tax cash flow
$-477/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 — Ellenton

Score
76/100
State rank
#232
US rank
#3666

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

County
Manatee County · 416,364 people
City population
14,819
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

-89.4% since first listed
26 events — show timeline
  • 2026-05-21 Price Changed $369,000 Zillow
  • 2026-05-19 Price Changed $369,000 Stellar MLS as Distributed by MLS Grid
  • 2026-05-14 Price Changed $372,000 Zillow
  • 2026-05-13 Price Changed $372,000 Stellar MLS as Distributed by MLS Grid
  • 2026-05-12 Price Changed $374,000 Zillow
  • 2026-05-06 Price Changed $369,000 Stellar MLS as Distributed by MLS Grid
  • 2026-05-06 Price Changed $369,000 Zillow
  • 2026-05-01 Price Changed $374,000 Zillow
  • 2026-04-30 Price Changed $374,000 Stellar MLS as Distributed by MLS Grid
  • 2026-04-23 Price Changed $377,000 Zillow
  • 2026-04-22 Price Changed $377,000 Stellar MLS as Distributed by MLS Grid
  • 2026-04-15 Price Changed $379,000 Zillow
  • 2026-04-15 Price Changed $379,000 Stellar MLS as Distributed by MLS Grid
  • 2026-04-11 Price Changed $384,000 Zillow
  • 2026-04-10 Price Changed $384,000 Stellar MLS as Distributed by MLS Grid
  • 2026-04-04 Price Changed $389,000 Zillow
  • 2026-04-03 Price Changed $389,000 Stellar MLS as Distributed by MLS Grid
  • 2026-03-26 Price Changed $392,000 Zillow
  • 2026-03-25 Price Changed $392,000 Stellar MLS as Distributed by MLS Grid
  • 2026-03-22 Price Changed $394,000 Zillow
  • 2026-03-18 Price Changed $394,000 Stellar MLS as Distributed by MLS Grid
  • 2026-03-13 Price Changed $396,990 Stellar MLS as Distributed by MLS Grid
  • 2026-03-11 Price Changed $396,990 Zillow
  • 2026-01-23 Listed $408,990 Zillow
  • 2026-01-22 Listed $408,990 Stellar MLS as Distributed by MLS Grid
  • 2025-10-22 Sold (Public Records) $3,486,000 Public Records

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…