5733 Rowe Pl · Wildwood, FL 32163

$300,000

3 bd · 2.0 ba · 1,424 sqft · SingleFamily public records · 15 Days on market

Built 2018 4,792 sqft lot Est $346k · 13% under

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Why this score? — see what drove the B 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 +23.1/30.0
• ARV discount +13.5/15.0
• Appreciation +10.0/10.0
• DSCR +7.4/10.0
• 1% rule +6.6/10.0
• Schools +5.2/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Well kept and very lovely home in a friendly neighborhood. contact me via email: [email protected] for info. And also, try reaching out to me via email because I can't return that much calls. God Bless

Key facts

• 4,792 sq ft lot
• Built 2018
• Listed 15 days

Property features AI

Exterior

• Home design: House
• Construction: Living area approximately 1,424 square feet
• Exterior features: Lot of approximately 0.11 acres

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $536 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $300k).
• Recommended offer: $296k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.4% vs local median 3.9% in Wildwood — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 69/100 on livability (#471 in FL) — a middle-class / working-renter tenant base. Strengths: health & safety A+, cost of living A, crime A-; Watch: schools C-, amenities F, commute F.
• Sumter (rural): math 61% / reading 61% proficiency, ranked #11 of 73 in FL (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 265 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).
• This rent runs 43% of the median local income ($97k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $32k of equity ($2k loan paydown + $30k appreciation (10.0% local appreciation)).
• Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $84k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$52k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($296k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

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

Recommended offer $295,500 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.16% ✓
• Cap rate: 8.44%
• Cash-on-cash: 7.65%
• DSCR: 1.34
• GRM: 7.2

CMA / ARV

• ARV (on-the-fly): $346,032
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5705 Craft Ct	0.24mi	3/2.0	1,426 (+0%)	0mo	$280,000	$196	88
5859 Tupelo Ter	0.22mi	3/2.0	1,409 (-1%)	1mo	$342,000	$243	87
5829 Tupelo Ter	0.17mi	3/2.0	1,409 (-1%)	11mo	$355,000	$252	82
5690 Craft Ct	0.27mi	2/2.0 (-1)	1,314 (-8%)	0mo	$310,000	$236	69
2061 Biller Cir	0.40mi	3/2.0	1,459 (+2%)	10mo	$322,000	$221	69
2306 Sheehan St	0.22mi	2/2.0 (-1)	1,227 (-14%)	5mo	$272,000	$222	57
2188 Gordon Path	0.50mi	3/2.0	1,539 (+8%)	8mo	$390,000	$253	57
5311 Eads Ter	0.74mi	3/2.0	1,431 (+0%)	9mo	$439,900	$307	57
2170 Biller Cir	0.46mi	3/2.0	1,539 (+8%)	12mo	$403,000	$262	55
5627 Van Winkle Ter	0.22mi	2/2.0 (-1)	1,227 (-14%)	16mo	$290,000	$236	49
5778 Henry Loop	0.74mi	3/2.0	1,531 (+8%)	6mo	$430,000	$281	48
5415 Zajac Ave	0.54mi	2/2.0 (-1)	1,295 (-9%)	15mo	$285,000	$220	42

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 29.9%
• Equity multiple: 3.35×
• Total profit: $197,646
• Equity at exit: $270,264

10-year hold

• IRR: 25.9%
• Equity multiple: 7.61×
• Total profit: $555,498
• Equity at exit: $582,834

Cash invested: $84,000 (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 32163

• Home prices YoY: 9.8%
• Active inventory: 265
• Price-to-rent: 7.2×

Monthly cashflow live

• Estimated rent: $3,493 medium
• Mortgage (P&I): −$1,573
• Tax from tax record: −$526 /mo · $6,312/yr
• Insurance: −$125
• HOA: −$0
• Vacancy / Maint / Mgmt: −$734
• Net cashflow: $536

Break-even live

Break-even rent $2,816

Max offer price $300,000

Occupancy floor 80%

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: $75,000
• Closing costs: $9,000
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5828 Tupelo Ter Unit Posted to Internet Wildwood, FL	2.0	2.0	1147	$4,500	$3.92	21d	1	0.17mi
2408 Woods Way The Villages, FL	3.0	2.0	1419	$2,900	$2.04	21d	1	0.17mi
1750 Debellis Ln Unit Posted To Internet Sumterville, FL	3.0	2.0	1505	$4,250	$2.82	21d	1	1.31mi

Listing history 11 events

1. 2026-06-19
   days on market $300,000 Active 15 DOM
2. 2026-06-18
   days on market $300,000 Active 14 DOM
3. 2026-06-17
   days on market $300,000 Active 13 DOM
4. 2026-06-16
   days on market $300,000 Active 12 DOM
5. 2026-06-15
   days on market $300,000 Active 11 DOM
6. 2026-06-14
   days on market $300,000 Active 9 DOM
7. 2026-06-13
   days on market $300,000 Active 8 DOM
8. 2026-06-10
   days on market $300,000 Active 6 DOM
9. 2026-06-09
   days on market $300,000 Active 5 DOM
10. 2026-06-08
    remarks 213-char remark
11. 2026-06-08
    listed $300,000 Active 4 DOM

ⓘ 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: $6,312 · $526/mo
• Projected year-2 tax: $6,312 · $526/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 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: $41,922
• − Mortgage interest: −$16,805
• − Property taxes: −$6,312
• − Insurance: −$1,500
• − Repairs & maintenance: −$3,354
• − Management: −$3,354
• − Depreciation: −$8,727
• Taxable income: $1,870
• Est. tax owed @ 24.0%: −$449
• After-tax cash flow: $5,978/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: Sumter
• NCES district ID: 1201800
• Math proficiency: 61% ▼ -4.00%
• Reading proficiency: 61% ▼ -2.00%
• Median HH income: $48,240
• Composite: 51.74/100
• National rank: #1682
• State rank: #11 of 73 in FL

Livability — Wildwood

• Score: 69/100
• State rank: #471
• US rank: #8500

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Wildwood, FL
• County: Sumter County · 110,591 people
• City population: 21,568
• Metro: The Villages, FL
• Population (ZIP): 28,549
• Household income: $96,775
• Rent vs Own: 5.7% rent · 94.3% own
• Severe rent burden: 307.0

Population outlook (Sumter County) Hauer SSP2

• Today (2025): 161,172 people
• By 2030: 180,083 · +11.7%
• By 2040: 209,892 · +30.2%
• By 2050: 234,186 · +45.3%
• By 2075: 284,602 · +76.6%
• By 2100: 317,039 · +96.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (95%)
• Race & ethnicity: White 95% Two or more races 2% Hispanic / Latino 2% Asian 1%
• Common ancestry: Romanian 6% Lithuanian 3% Iranian 3%
• Foreign-born: 6% · Canada, Vietnam
• Languages at home: 96% English-only · Spanish 2% Vietnamese 1% Other Indo-European 0%

Political lean MEDSL · Sumter

• 2024 margin: Solid R (+37.6) · D 30.9% · R 68.6%
• 2008→2024 swing: -10.6pp toward R · 2008: -27.0pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+36.1 2016: R+39.2 2012: R+34.9 2008: R+27.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 20.47%
• Current HPI: 229.0075
• Rent YoY: —
• Metro: The Villages, 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

1 event — show timeline

• 2026-06-04 Listed $300,000 ForSaleByOwner.com

Property tax history

+20.6%/yr

Latest (2025): $6,312 · +4.3% YoY. Source: county tax records.