5543 Maddie Dr · Haines City, FL 33844

$329,990

4 bd · 2.0 ba · 1,564 sqft · Land · 59 Days on market

Built 2025 4,400 sqft lot $48/mo HOA · 2% of rent

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Why this score? — see what drove the F 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 +7.5/15.0
• Cash flow +7.4/30.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• 1% rule +1.9/10.0
• DSCR +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this brand new four bedroom, two bathroom home designed with both comfort and style in mind. From the moment you enter, you're welcomed by a thoughtfully designed floor plan with stylish tile flooring throughout the main living area. At the heart of the home, the open-concept kitchen and great room provide an inviting setting for everyday living and entertaining. The kitchen shines with stainless steel appliances, breakfast bar, stylish tile backsplash, and pantry. The great room is bright and airy, ideal for relaxing or gathering. Tucked away at the rear of the home, the private primary suite serves as a peaceful retreat, complete with a generous walk-in closet and a beautifully

Key facts

• Open-concept kitchen
• Walk-in closet
• Breakfast bar

Tags

• OPEN-CONCEPT KITCHEN
• STAINLESS STEEL APPLIANCES
• BREAKFAST BAR
• STYLISH TILE BACKSPLASH
• PRIVATE PRIMARY SUITE
• WALK-IN CLOSET

Property features AI

Finance

• Other: Total acreage under 1/4 acre
• Financial info: CDD applicable; Lease restrictions apply
• HOA & community: HOA managed by C/O Maronda Homes; Monthly HOA fee of $48; HOA includes pool; Community pool; Community playground; Community dog park; Pets allowed

Exterior

• Parking: Driveway; Attached 2-car garage
• Utilities: Public water; Public sewer; Public utilities
• Home design: Single family residence; Residential property; One story; Facing north; Completed/new construction
• Construction: Block and stucco construction; Shingle roof; Slab foundation; New construction
• Exterior features: Covered patio; Patio; Sidewalk; Sliding doors; Paved road/access

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Open floorplan; Thermostat; Walk-in closet(s); Great room; Inside utility
• Laundry & utility: Washer; Dryer; Laundry inside

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath land listed at $330k.

Deal economics

• At list price, monthly cash flow is $-423 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $255k (22.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $227k (31.1% below list).
• Recommended offer: $227k (31.1% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 74/100 on livability (#285 in FL, #4,575 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D, amenities F, commute F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+1.2%/yr); 1333 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 43% of the median local income ($64k/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 $10k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 59 days — a 3% lower offer ($320k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts; this cycle's ask is 5% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $227,331 (31.1% 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 59 days. Have you received any prior offers? Is the seller open to a 31% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.69% ✗
• Cap rate: 4.75%
• Cash-on-cash: -5.49%
• DSCR: 0.76
• GRM: 12.1

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.16% rent growth · sell at horizon

5-year hold

• IRR: -27.7%
• Equity multiple: 0.08×
• Total profit: $-84,551
• Equity at exit: $49,203

10-year hold

• IRR: -34.2%
• Equity multiple: -0.35×
• Total profit: $-124,676
• Equity at exit: $28,532

Cash invested: $92,397 (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 33844

• Home prices YoY: -26.7%
• Rents YoY: 1.2%
• Active inventory: 1333
• Price-to-rent: 12.1×

Monthly cashflow live

• Estimated rent: $2,273 high
• Mortgage (P&I): −$1,731
• Tax from tax record: −$303 /mo · $3,635/yr
• Insurance: −$137
• HOA: −$48
• Vacancy / Maint / Mgmt: −$477
• Net cashflow: $-423

Break-even live

Break-even rent $2,809

Max offer price $255,263

Occupancy floor —

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: $82,498
• Closing costs: $9,900
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2518 Trinidad Rd Haines City, FL	4.0	2.0	1830	$2,150	$1.17	23d	1	0.09mi
6004 Bimini Ave Haines City, FL	3.0	2.0	1480	$1,750	$1.18	23d	1	0.13mi
3329 Aruba Way Haines City, FL	3.0	2.0	1669	$2,200	$1.32	23d	1	0.25mi
2621 Trinidad Rd Haines City, FL	4.0	2.0	1830	$2,200	$1.20	23d	1	0.31mi
5309 Maddie Dr Haines City, FL	4.0	3.0	1850	$2,300	$1.24	23d	1	0.51mi
5280 Maddie Dr Haines City, FL	4.0	2.0	2024	$2,300	$1.14	19d	1	0.61mi
4373 Deleon St Haines City, FL	4.0	2.0	1867	$2,250	$1.21	23d	1	0.61mi
1109 Ronlin St Haines City, FL	4.0	2.0	1874	$1,981	$1.06	23d	1	0.64mi
5268 Maddie Dr Haines City, FL	4.0	2.0	1867	$2,600	$1.39	21d	1	0.64mi
4629 Bernard Blvd Haines City, FL	4.0	2.0	2112	$2,300	$1.09	23d	1	0.71mi
4014 Alissa Ln Haines City, FL	4.0	2.0	1598	$2,250	$1.41	23d	1	0.77mi
3815 Whitney Way Haines City, FL	4.0	2.0	1767	$2,150	$1.22	14d	1	0.78mi
3707 Eisel Way Haines City, FL	3.0	2.0	1407	$2,065	$1.47	14d	1	0.81mi
3593 Yarian Dr Haines City, FL	3.0	2.0	1672	$1,900	$1.14	10d	1	0.82mi
3593 Yarian Dr Haines City, FL	3.0	2.0	1672	$1,900	$1.14	23d	1	0.82mi
945 Kenbar Ave Haines City, FL	4.0	2.5	1527	$2,051	$1.34	14d	1	0.86mi
3521 Yarian Dr Haines City, FL	3.0	2.0	1695	$1,800	$1.06	12d	1	0.88mi
4209 Deleon St Haines City, FL	4.0	2.0	1863	$2,450	$1.32	14d	1	0.95mi
1229 Forest Gate Cir Haines City, FL	3.0	2.0	1584	$1,895	$1.20	14d	1	0.97mi
1241 Forest Gate Cir Haines City, FL	3.0	2.0	1726	$2,100	$1.22	23d	1	0.99mi
3108 Cassidy Ln Haines City, FL	4.0	2.0	1823	$2,200	$1.21	23d	1	1.09mi
3053 Cassidy Ln Haines City, FL	4.0	3.0	1988	$2,500	$1.26	23d	1	1.13mi

HOA detail

• Monthly dues: $48 · $576/yr

Listing history 30 events

1. 2026-06-18
   days on market $329,990 Active 59 DOM
2. 2026-06-17
   days on market $329,990 Active 58 DOM
3. 2026-06-16
   days on market $329,990 Active 57 DOM
4. 2026-06-15
   days on market $329,990 Active 56 DOM
5. 2026-06-13
   days on market $329,990 Active 54 DOM
6. 2026-06-10
   days on market $329,990 Active 51 DOM
7. 2026-06-09
   days on market $329,990 Active 50 DOM
8. 2026-06-08
   days on market $329,990 Active 49 DOM
9. 2026-06-07
   days on market $329,990 Active 48 DOM
10. 2026-06-05
    days on market $329,990 Active 45 DOM
11. 2026-06-03
    days on market $329,990 Active 44 DOM
12. 2026-06-03
    days on market $329,990 Active 43 DOM
13. 2026-06-01
    days on market $329,990 Active 42 DOM
14. 2026-05-31
    days on market $329,990 Active 41 DOM
15. 2026-05-18
    price $329,990
16. 2026-04-20
    listed $314,990 Active
17. 2026-04-20
    historical
18. 2026-04-01
    price $314,990
19. 2026-03-12
    price $312,990
20. 2025-12-16
    price $322,990
21. 2025-12-08
    price $299,990
22. 2025-12-08
    status Active
23. 2025-11-03
    status Pending
24. 2025-10-27
    price $297,990
25. 2025-09-25
    price $329,990
26. 2025-09-16
    price $299,990
27. 2025-05-14
    soldstatus $315,200
28. 2025-03-28
    listed $319,990 Active
29. 2024-02-07
    soldstatus $1,373,100
30. 2023-02-09
    soldstatus $6,875,000

ⓘ 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: $3,635 · $303/mo
• Projected year-2 tax: $3,635 · $303/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 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,280
• − Mortgage interest: −$18,485
• − Property taxes: −$3,635
• − Insurance: −$1,650
• − Repairs & maintenance: −$2,182
• − Management: −$2,182
• − HOA: −$576
• − Depreciation: −$9,600
• Taxable loss: −$11,030
• Est. tax savings @ 24.0%: +$2,647
• After-tax cash flow: $-2,429/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: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Haines City

• Score: 74/100
• State rank: #285
• US rank: #4575

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Haines City, FL
• County: Polk County · 740,051 people
• City population: 51,255
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 51,255
• Household income: $63,650
• Rent vs Own: 29.6% rent · 70.4% own
• Severe rent burden: 1107.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: Hispanic / Latino 48% White 31% Black 18% Two or more races 12% Asian 1%
• Hispanic origin (detail): Mexican 19% Puerto Rican 19% Cuban 1% Dominican 3%
• Common ancestry: Hispanic 4% Lithuanian 1% Romanian 1%
• Foreign-born: 15% · Canada, Jamaica, Guatemala
• Languages at home: 55% English-only · Spanish 39% French/Haitian/Cajun 4% Other Indo-European 0%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -105.94%
• Current HPI: 291.0798
• Rent YoY: ▲ 1.16%
• Metro: Lakeland-Winter Haven, 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

-95.2% since first listed

16 events — show timeline

• 2026-05-18 Price Changed $329,990 Stellar MLS as Distributed by MLS Grid
• 2026-04-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-04-20 Listed $314,990 Stellar MLS as Distributed by MLS Grid
• 2026-04-01 Price Changed $314,990 Stellar MLS as Distributed by MLS Grid
• 2026-03-12 Price Changed $312,990 Stellar MLS as Distributed by MLS Grid
• 2025-12-16 Price Changed $322,990 Stellar MLS as Distributed by MLS Grid
• 2025-12-08 Price Changed $299,990 Stellar MLS as Distributed by MLS Grid
• 2025-12-08 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-11-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-10-27 Price Changed $297,990 Stellar MLS as Distributed by MLS Grid
• 2025-09-25 Price Changed $329,990 Stellar MLS as Distributed by MLS Grid
• 2025-09-16 Price Changed $299,990 Stellar MLS as Distributed by MLS Grid
• 2025-05-14 Sold (Public Records) $315,200 Public Records
• 2025-03-28 Listed $319,990 Stellar MLS as Distributed by MLS Grid
• 2024-02-07 Sold (Public Records) $1,373,100 Public Records
• 2023-02-09 Sold (Public Records) $6,875,000 Public Records

Property tax history

-0.4%/yr

Latest (2025): $3,635 · -0.4% YoY. Source: county tax records.