1220 Ruby St · Lakeland, FL 33815

$242,000

2 bd · 2.0 ba · 1,533 sqft · SingleFamily public records · 25 Days on market

Built 1930 10,672 sqft lot

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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).

• Appreciation +10.0/10.0
• Cash flow +7.9/30.0
• ARV discount +7.5/15.0
• Rent growth +4.0/5.0
• Livability +3.9/5.0
• Schools +3.5/10.0
• Condition / age +2.5/5.0
• DSCR +2.0/10.0
• 1% rule +1.9/10.0

Listing remarks MLS

NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

Key facts

• Hardwood flooring
• Screened front porch
• Covered parking

Tags

• HARDWOOD FLOORING
• GRANITE COUNTERTOPS
• WOOD CABINETRY
• SCREENED FRONT PORCH
• FENCED BACKYARD
• COVERED PARKING

Property features AI

Finance

• Other: Property type: Residential — Single Family Residence; Zoning: RB-2; Lot approximately 0.25 acre (75 x 142); Living area about 1533 square feet; total building area about 1940 square feet; Unfurnished
• HOA & community: No association

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Broadband/High-speed internet available; Cable available; Electricity connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; Faces north
• Construction: Stucco and frame construction; Shingle roof; Crawlspace foundation; Built in ?
• Exterior features: Located in a historic district; Within city limits; Paved road access

Interior

• Kitchen: Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Vinyl; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Built-in features; Solid wood cabinets; Stone counters
• Laundry & utility: Laundry inside

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $242k.

Deal economics

• At list price, monthly cash flow is $-254 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $197k (18.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $167k (30.8% below list).
• Recommended offer: $167k (30.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 77/100 on livability (#206 in FL, #3,179 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment 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.
• Zoned schools: Scott Lake Elementary School (math 67% / reading 56%, grade B, #634 of 2,144 statewide, top 30%, 727 students, 36% FRL); Southwest Middle School (math 25% / reading 32%, grade F, #482 of 571 statewide, top 85%, 801 students, 63% FRL); Kathleen Senior High School (math 19% / reading 31%, grade F, #501 of 667 statewide, top 75%, 2,051 students, 59% FRL).
• Market conditions: Rents rising fast (+6.1%/yr); 74 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 17d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• At $1,674/mo this rent would consume 54% of the median local household income ($37k/yr) (locally 700% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• In year one you build about $26k of equity ($2k loan paydown + $24k appreciation (10.0% local appreciation)).
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 2, paydown + projected appreciation supports a ~$42k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 25 days — a 2% lower offer ($238k) is reasonable based on typical stale-listing flexibility.
• 14 sale attempts since 21y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $90k; list at $242k implies a 169% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1930 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $167,435 (30.8% 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. Built in 1930 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 5.04%
• Cash-on-cash: -4.49%
• DSCR: 0.80
• GRM: 12.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 6.14% rent growth · sell at horizon

5-year hold

• IRR: 21.9%
• Equity multiple: 2.79×
• Total profit: $121,073
• Equity at exit: $218,013

10-year hold

• IRR: 20.4%
• Equity multiple: 6.63×
• Total profit: $381,738
• Equity at exit: $470,153

Cash invested: $67,760 (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 33815

• Home prices YoY: 12.6%
• Rents YoY: 6.1%
• Active inventory: 74
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $1,674 high
• Mortgage (P&I): −$1,269
• Tax from tax record: −$206 /mo · $2,477/yr
• Insurance: −$101
• HOA: −$0
• Vacancy / Maint / Mgmt: −$352
• Net cashflow: $-254

Break-even live

Break-even rent $1,995

Max offer price $197,209

Occupancy floor —

Sensitivity live

Price	-10% $-117	-5% $-185	+0% $-254	+5% $-322	+10% $-391
Rent	-10% $-386	-5% $-320	+0% $-254	+5% $-187	+10% $-121
Rate	-1.0pp $-132	-0.5pp $-192	base $-254	+0.5pp $-316	+1.0pp $-380

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: $60,500
• Closing costs: $7,260
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1238 Herschell St Lakeland, FL	2.0	1.0	1323	$1,300	$0.98	25d	1	0.10mi
1040 Ruby St Lakeland, FL	3.0	2.0	1110	$1,595	$1.44	12d	1	0.19mi
1246 Dorothy St Lakeland, FL	3.0	2.0	1484	$2,300	$1.55	25d	1	0.20mi
1335 W Walnut St Lakeland, FL	3.0	2.0	1626	$1,800	$1.11	5d	1	0.25mi
1806 Dorothy St Lakeland, FL	3.0	2.0	2046	$1,695	$0.83	5d	1	0.64mi
312 W Park St Lakeland, FL	3.0	3.0	2000	$2,100	$1.05	25d	1	1.02mi
302 W Park St Lakeland, FL	3.0	2.0	1100	$2,200	$2.00	16d	1	1.04mi
1061 S Tennessee Ave Lakeland, FL	2.0	2.5	1100	$2,100	$1.91	16d	1	1.22mi
809 Adams St Lakeland, FL	3.0	1.0	1164	$1,525	$1.31	16d	1	1.23mi
411 E Park St Unit A Lakeland, FL	2.0	1.5	1063	$1,500	$1.41	25d	1	1.36mi
411 E Park St Unit B Lakeland, FL	2.0	1.5	1063	$1,500	$1.41	5d	1	1.36mi
270 E Bay St Lakeland, FL	2.0	1.0–2.0	892	$1,725	$1.93	5d	6	1.36mi
2117 Ivey Ln Lakeland, FL	3.0	1.0	1160	$1,980	$1.71	25d	1	1.38mi
850 Martin L King Jr Ave Lakeland, FL	3.0	1.0	1222	$1,495	$1.22	25d	1	1.40mi
1 Lake Hollingsworth Dr Lakeland, FL	3.0	2.0	1492	$2,095	$1.40	5d	2	1.42mi

Listing history 48 events

1. 2026-06-15
   days on market $242,000 Active 25 DOM
2. 2026-06-13
   days on market $242,000 Active 23 DOM
3. 2026-06-10
   days on market $242,000 Active 20 DOM
4. 2026-06-09
   days on market $242,000 Active 19 DOM
5. 2026-06-08
   days on market $242,000 Active 18 DOM
6. 2026-06-07
   days on market $242,000 Active 17 DOM
7. 2026-06-05
   days on market $242,000 Active 14 DOM
8. 2026-06-03
   days on market $242,000 Active 13 DOM
9. 2026-06-03
   days on market $242,000 Active 12 DOM
10. 2026-06-01
    days on market $242,000 Active 11 DOM
11. 2026-05-31
    days on market $242,000 Active 10 DOM
12. 2026-05-21
    listed $242,000 Active
13. 2025-07-17
    historical $1,675
14. 2025-07-08
    price $1,675
15. 2025-06-04
    listed $1,725
16. 2025-05-27
    historical
17. 2025-03-25
    listed $279,000 Active
18. 2020-09-10
    soldstatus $90,000
19. 2020-08-31
    soldstatus $90,000 Sold 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

20. 2020-08-06
    status Pending 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

21. 2020-07-27
    status Active 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

22. 2020-07-23
    status Pending 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

23. 2020-07-19
    price $112,000 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

24. 2020-07-13
    status Active 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

25. 2020-07-07
    status Pending 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

26. 2020-06-22
    status Active 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

27. 2020-06-19
    status Pending 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

28. 2020-06-10
    status Active 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

29. 2020-06-04
    status Pending 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

30. 2020-04-23
    status Active 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

31. 2020-04-22
    historical 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

32. 2020-03-18
    status Active 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

33. 2020-02-29
    status Pending 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

34. 2020-02-06
    status Active 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

35. 2020-01-24
    historical 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

36. 2020-01-09
    status Active 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

37. 2019-12-28
    status Pending 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

38. 2019-12-19
    price $120,000 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

39. 2019-11-10
    price $139,500 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

40. 2019-10-29
    listed $150,000 Active 780-char remark

    Show marketing remark (780 chars)

    NEW PRICE on this charming 3 bedroom / 2 bath home built in 1930 provides good income stream for the investors. New roof in 2016, fenced yard, single carport, wood flooring throughout main living area, ceiling fans and deep front porch. Numerous vintage built-in niches/cabinets, fenced yard, side patio, screen enclosed front porch and one car carport. Convenient to central Lakeland and major transportation corridors, bus routes, shopping and more. AC replaced in 2015, electrical panel update in 2016 this home would be a doll house with updating to kitchen and bathrooms!! Wood floors throughout all rooms except kitchen & bathrooms. Cash or conventional financing and pre-approed by sellers preferred lender - NO FHA or VA finaincing contingencies will be considered.

41. 2011-01-06
    soldstatus $16,000
42. 2010-12-30
    soldstatus $16,000
43. 2010-11-16
    listed $15,900
44. 2005-05-26
    soldstatus $95,000
45. 2005-05-23
    soldstatus $95,000
46. 2005-04-02
    listed $95,000
47. 2000-02-10
    soldstatus $42,000
48. 1977-09-01
    soldstatus $21,000

ⓘ 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: $2,477 · $206/mo
• Projected year-2 tax: $2,477 · $206/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 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,092
• − Mortgage interest: −$13,556
• − Property taxes: −$2,477
• − Insurance: −$1,210
• − Repairs & maintenance: −$1,607
• − Management: −$1,607
• − Depreciation: −$7,040
• Taxable loss: −$7,405
• Est. tax savings @ 24.0%: +$1,777
• After-tax cash flow: $-1,265/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 — Lakeland

• Score: 77/100
• State rank: #206
• US rank: #3179

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lakeland, FL
• County: Polk County · 740,051 people
• City population: 277,690
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 13,975
• Household income: $37,487
• Rent vs Own: 40.4% rent · 59.6% own
• Severe rent burden: 700.0

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 0.67)
• Race & ethnicity: White 43% Black 27% Hispanic / Latino 26% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 12% Puerto Rican 10%
• Common ancestry: Romanian 1% German 1% Lithuanian 1%
• Foreign-born: 11% · Canada, Jamaica, China
• Languages at home: 75% English-only · Spanish 23% German/W. Germanic 1%

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: ▲ 47.45%
• Current HPI: 424.0956
• Rent YoY: ▲ 6.14%
• 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

+1052.4% since first listed

37 events — show timeline

• 2026-05-21 Listed $242,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-17 Rental Removed $1,675 TENANTTURNER2
• 2025-07-08 Price Changed $1,675 TENANTTURNER2
• 2025-06-04 Listed for Rent $1,725 TENANTTURNER2
• 2025-05-27 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-03-25 Listed $279,000 Stellar MLS as Distributed by MLS Grid
• 2020-09-10 Sold (Public Records) $90,000 Public Records
• 2020-08-31 Sold (MLS) $90,000 Stellar MLS as Distributed by MLS Grid
• 2020-08-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-07-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-07-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-07-19 Price Changed $112,000 Stellar MLS as Distributed by MLS Grid
• 2020-07-13 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-07-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-06-22 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-06-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-06-10 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-06-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-04-23 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-04-22 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2020-03-18 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-02-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-02-06 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-01-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2020-01-09 Relisted — Stellar MLS as Distributed by MLS Grid
• 2019-12-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-12-19 Price Changed $120,000 Stellar MLS as Distributed by MLS Grid
• 2019-11-10 Price Changed $139,500 Stellar MLS as Distributed by MLS Grid
• 2019-10-29 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 2011-01-06 Sold (Public Records) $16,000 Public Records
• 2010-12-30 Sold (MLS) $16,000 Stellar MLS as Distributed by MLS Grid
• 2010-11-16 Listed $15,900 Stellar MLS as Distributed by MLS Grid
• 2005-05-26 Sold (Public Records) $95,000 Public Records
• 2005-05-23 Sold (MLS) $95,000 Stellar MLS as Distributed by MLS Grid
• 2005-04-02 Listed $95,000 Stellar MLS as Distributed by MLS Grid
• 2000-02-10 Sold (Public Records) $42,000 Public Records
• 1977-09-01 Sold (Public Records) $21,000 Public Records

Property tax history

+10.2%/yr

Latest (2025): $2,477 · +3.3% YoY. Source: county tax records.