8826 Bahama Mia Ln · Ellenton, FL
Flood risk No data
- FEMA flood zone
- —
- Chance of flooding over 30 yrs
- —
- Est. flood insurance / yr
- —
Fire risk No data
- Est. fire insurance / yr
- —
Heat risk No data
- Hot days now (above threshold)
- —
- Hot days in 30 yrs
- —
Wind risk No data
- Chance of severe wind over 30 yrs
- —
Air-quality risk No data
- Unhealthy air days now
- —
- Unhealthy air days in 30 yrs
- —
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 +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
🖨 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
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
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.
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 147 days. Have you received any prior offers? Is the seller open to a 17% 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 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?
- 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
- 0.83% ✗
- 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
- IRR
- -24.1%
- Equity multiple
- 0.20×
- Total profit
- $-79,437
- Equity at exit
- $52,783
- 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
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
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
| Address | Beds | Baths | Sqft | Rent | $/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
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2026-06-18days on market $354,000 Active 147 DOM
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2026-06-17price $354,000 Active 146 DOM
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2026-06-17days on market $359,000 Active 146 DOM
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2026-06-16days on market $359,000 Active 145 DOM
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2026-06-15days on market $359,000 Active 144 DOM
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2026-06-13days on market $359,000 Active 142 DOM
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2026-06-13pricedays on market $359,000 Active 141 DOM
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2026-06-10days on market $364,000 Active 139 DOM
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2026-06-09days on market $364,000 Active 138 DOM
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2026-06-08days on market $364,000 Active 137 DOM
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2026-06-08pricedays on market $364,000 Active 136 DOM
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2026-06-03days on market $369,000 Active 132 DOM
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2026-06-02days on market $369,000 Active 131 DOM
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2026-06-01days on market $369,000 Active 130 DOM
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2026-05-31days on market $369,000 Active 129 DOM
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2026-05-21price $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.
-
2026-05-19price $369,000
-
2026-05-14price $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.
-
2026-05-13price $372,000
-
2026-05-12price $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.
-
2026-05-06price $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.
-
2026-05-06price $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.
-
2026-05-01price $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.
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2026-04-30price $374,000
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2026-04-23price $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.
-
2026-04-22price $377,000
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2026-04-15price $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.
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2026-04-15price $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.
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2026-04-11price $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.
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2026-04-10price $384,000
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2026-04-04price $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.
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2026-04-03price $389,000
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2026-03-26price $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.
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2026-03-25price $392,000
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2026-03-22price $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.
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2026-03-18price $394,000
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2026-03-13price $396,990
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2026-03-11price $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.
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2026-01-23$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.
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2026-01-22$408,990 Active
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2025-10-22soldstatus $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
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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
- 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
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
- 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
-89.4% since first listed26 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
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…