Property ID: 6901075289
131 49th Ct E, Palmetto, FL, 34221
Palmetto, FL
Money Down: $68,376
CoC Return: 0.10%
Monthly Cash Flow: $6
Est. Final ARV: $351,151
Editable financing assumptions (defaults: 4% closing costs, 7% interest).
Down Payment
$56,980
Closing Costs
$11,396
Total Down
$68,376
Investment Snapshot
Purchase Price
$284,900
Money Down
$68,376
Cash-on-Cash Return
0.10%
Rent
$2,294
Monthly Cash Flow
$6
Annual Cash Flow
$69
Debt Service / Mo
$1,516
Property Tax / Mo
$400
Insurance / Mo
$143
Quality Score and Underwriting
Monthly Cash Flow Breakdown
Rent (Projected)
$2,294
Payment Standard
$2,596
Rent
$2,294
Insurance
$143
Property Tax
$400
Management
$229
Utilities Allowance
$302
NOI (Monthly)
$1,522
Debt Service
$1,516
Cash Flow After Debt
$6
Quality Score: 81.40%
Confidence: 95.00%
This single-family home appears largely turnkey for Section 8/HCV inspection. Exterior, roof and finishes look well maintained; a new HVAC (2025) and recent interior updates reduce inspection risk. The property shows no obvious life-threatening hazards in photos. Remaining unknowns that could affect inspection are presence of GFCI protection, CO alarm (if required), water heater condition and electrical panel status, plus kitchen/bath plumbing fixtures and appliances which were not photographed. These are likely correctable quickly if missing.
Section 8 Payment Standard
$2,596
Utility Allowance Total
$302
Guaranteed Section 8 Rent (PS - Utilities)
$2,294
Property Management
$229
Property Fundamentals
Status
For Sale
Type
single_family
List Price
$284,900
Beds
3
Baths
2
Living Area
1,830 sqft
Lot Size
9,148 sqft
Year Built
2000
Days on Market
192
Capital Outlay
$68,376
Debt Service
$1,516
Property Tax / Mo
$400
Insurance / Mo
$143
Property Description
Welcome to the Palms of Manasota! This charming and spacious home includes 2 bedrooms, both with en-suites, and an additional flex room perfect for a 3rd bedroom, den, or office. The open floor plan creates a welcoming atmosphere and offers a seamless flow between the living, dining, and kitchen areas. The large sliding glass doors and windows allow for an abundance of natural light throughout. Privacy is paramount here, with a sizeable lot, vinyl fencing across the back, and mature landscaping surrounding the home. The yard is not only beautifully landscaped, but has ample space for outdoor activities and the opportunity to create your own personal oasis. Additional conveniences and recent updates include: A Brand New HVAC system in 2025, New Flooring in All Bedrooms, New Bathroom Vanities, Fresh Interior Paint, Permanent Roll Down Hurricane Shutters, a 2 car garage with laundry area and utility sink, newer appliances, and a recent re-screening of the lanai. This property offers a comfortable and convenient lifestyle with ample room to entertain family and friends. The home is nestled in a quiet, meticulously maintained 55+ community, private yet centrally located - homes here are very rare and do not come available often! Don't miss the opportunity to make this wonderful home yours!
Utility Allowances
Heating
$18
Property has central heating and an electric water heater, indicating an all-electric system. Electric heating was selected as the most probable type.
Cooking
$14
Property photos and the appliance list ('Range') indicate an electric range is used for cooking.
Water Heating
$42
Property details explicitly list an 'Electric Water Heater' under appliances.
Air Conditioning
$29
Property details list 'Central Air' for cooling.
Other Electric
$50
Standard allowance for lighting, and other tenant-plugged-in appliances.
Water
$47
Property details list 'Public' for water source.
Sewer
$75
Property details list 'Public Sewer'.
Trash Collection
$21
Standard utility for a single-family residence, assumed to be tenant responsibility unless otherwise specified.
Refrigerator
$0
The property's appliance list includes a refrigerator, so it is landlord-provided.
Range/Microwave
$6
A microwave is not explicitly listed as a provided appliance, so it is assumed to be tenant-owned.
Source References
Payment Standard Source
Effective Date:
Apr 01, 2026
Utility Allowance Source
Effective Date:
Jan 01, 2026
Insurance Quotes
Coverage Options
View QuoteDP1 Annual Estimate$1,711
DP3 Annual Estimate$1,711
DP1 Monthly Equivalent$143
DP3 Monthly Equivalent$143
Replacement Value$292,775
Basis1,830 sqft / 2000
Nearby Houses
Photo unavailable
135 49th Ct E
sold · 0.01 mi
Price: $225,000
3 bd / 2 ba · 1,187 sqft
Latest sale: $225,000
Latest rent: —
Photo unavailable
135 49th Ct E
sold · 0.01 mi
Price: $225,000
3 bd / 2 ba · 1,187 sqft
Latest sale: $225,000
Latest rent: —
Photo unavailable
123 49th Ct E # C5
sold · 0.03 mi
Price: $277,500
3 bd / 2 ba · 1,640 sqft
Latest sale: $277,500
Latest rent: —
Photo unavailable
123 49th Ct E # C5
sold · 0.03 mi
Price: $277,500
3 bd / 2 ba · 1,640 sqft
Latest sale: $277,500
Latest rent: —
Photo unavailable
119 49th Ct E
sold · 0.05 mi
Price: $135,900
2 bd / 2 ba · 1,315 sqft
Latest sale: $135,900
Latest rent: —
Photo unavailable
207 49th Cir E
sold · 0.05 mi
Price: $150,000
2 bd / 2 ba · 928 sqft
Latest sale: $150,000
Latest rent: —
Photo unavailable
207 49th Cir E
sold · 0.05 mi
Price: $150,000
2 bd / 2 ba · 928 sqft
Latest sale: $150,000
Latest rent: —
Photo unavailable
4822 1st Ave E
sold · 0.06 mi
Price: $225,000
3 bd / 3 ba · 1,586 sqft
Latest sale: $225,000
Latest rent: —
Photo unavailable
211 49th Cir E # A18
sold · 0.06 mi
Price: $200,000
2 bd / 2 ba · 1,200 sqft
Latest sale: $200,000
Latest rent: —
Photo unavailable
211 49th Cir E # A18
sold · 0.06 mi
Price: $200,000
2 bd / 2 ba · 1,200 sqft
Latest sale: $200,000
Latest rent: —
Photo unavailable
4818 1st Ave E
sold · 0.06 mi
Price: $247,000
3 bd / 3 ba · 1,586 sqft
Latest sale: $247,000
Latest rent: —
Photo unavailable
4814 1st Ave E Unit 4814
sold · 0.07 mi
Price: $187,000
2 bd / 3 ba · 1,959 sqft
Latest sale: $187,000 on Mar 29, 2021
Latest rent: —
Photo unavailable
4810 1st Ave E
sold · 0.07 mi
Price: $250,000
3 bd / 2 ba · 1,460 sqft
Latest sale: $250,000
Latest rent: —
Photo unavailable
109 49th Ct E
sold · 0.08 mi
Price: $225,000
3 bd / 2 ba · 2,170 sqft
Latest sale: $225,000 on Apr 01, 2020
Latest rent: —
Photo unavailable
109 49th Ct E
sold · 0.08 mi
Price: $225,000
3 bd / 2 ba · 2,170 sqft
Latest sale: $225,000
Latest rent: —
Photo unavailable
4804 US Highway 19
sold · 0.08 mi
Price: $600,000
3 bd / 2 ba · 2,744 sqft
Latest sale: $600,000
Latest rent: —
Photo unavailable
4807 1st Ave E Unit 4807
sold · 0.11 mi
Price: $129,900
3 bd / 2 ba · 1,460 sqft
Latest sale: $129,900
Latest rent: —
Photo unavailable
4803 1st Ave E Unit 4803
sold · 0.11 mi
Price: $177,000
2 bd / 3 ba · 1,586 sqft
Latest sale: $177,000 on Nov 06, 2020
Latest rent: —
Properties Used for Comps
Photo unavailable
4803 3rd Ave W, Palmetto, FL, 34221
sold
Price: $350,000
Rent: —
3 bd / 3 ba · 1,824 sqft
Sale Date: Sep 24, 2024
Distance: 0.21 mi
View listing
Risk and Criteria Detail
Red Flags
- success
Assumptions
- The 'Brand New HVAC system in 2025' noted in the listing is installed and operational.
- At least one working smoke detector is present (one is visible) and additional units are either present or will be installed to meet code.
- No active roof leaks or concealed water damage exist (no ceiling stains visible in photos).
- A functional water heater is present in the home (location not photographed).
- Kitchen appliances described as 'newer appliances' exist and are operational even though not shown in photos.
- Electrical panel and circuit integrity are typical for a maintained home (no exposed wiring observed in photos).
- Bedrooms have operable egress windows meeting local code (not fully visible but typical for this vintage).
- No major pest/infestation issues exist (no evidence in photos).
Tax and Sale History
Property Tax History
| Year | Tax | Market Total | Assessment Total |
|---|---|---|---|
| 2025 | $4,659 | $318,275 | $318,275 |
| 2024 | $1,587 | $318,275 | $318,275 |
| 2023 | $1,548 | $321,020 | $134,525 |
| 2022 | $1,492 | $279,652 | $130,607 |
| 2021 | $1,418 | $188,500 | $126,803 |
| 2020 | $1,453 | $182,515 | $125,052 |
| 2019 | $1,421 | $169,360 | $122,240 |
| 2018 | $1,399 | $151,123 | $119,961 |
| 2017 | $1,287 | $155,910 | $117,494 |
| 2016 | $1,276 | $151,769 | $115,077 |
| 2015 | $1,289 | $146,100 | $114,277 |
| 2014 | $1,280 | $131,869 | $113,370 |
| 2013 | $1,271 | $111,695 | $111,695 |
| 2012 | $1,261 | $111,074 | $111,074 |
| 2011 | $1,512 | $125,432 | $125,432 |
| 2010 | $2,075 | $164,282 | $164,282 |
| 2009 | $2,210 | $205,004 | $173,728 |
| 2008 | $2,173 | $230,483 | $173,554 |
| 2007 | $2,321 | $235,184 | $168,499 |
Sale History
| Date | Event | Price |
|---|---|---|
| 2026-01-23 | Listing removed | $0 |
| 2025-12-15 | Listed for rent | $2,975 |
| 2025-12-06 | Listed | $284,900 |
| 2025-09-11 | Sold | $178,000 |
| 2025-07-15 | Listing removed | $285,999 |
| 2025-07-09 | Price Changed | $285,999 |
| 2025-07-02 | Listed | $294,999 |
| 2024-04-29 | Sold | $299,000 |
| 2024-01-21 | Price Changed | $299,000 |
| 2023-10-30 | Price Changed | $324,900 |
| 2023-10-11 | Price Changed | $339,000 |
| 2023-06-30 | Listed | $350,000 |
Photo Gallery
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{
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{
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{
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{
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{
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{
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{
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"summary": "This single-family home appears largely turnkey for Section 8/HCV inspection. Exterior, roof and finishes look well maintained; a new HVAC (2025) and recent interior updates reduce inspection risk. The property shows no obvious life-threatening hazards in photos. Remaining unknowns that could affect inspection are presence of GFCI protection, CO alarm (if required), water heater condition and electrical panel status, plus kitchen/bath plumbing fixtures and appliances which were not photographed. These are likely correctable quickly if missing.",
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},
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"score": 78.0,
"rationale": "Positive indicators: visible ceiling smoke detector in hallway, secure entry door with deadbolt, permanent roll-down hurricane shutters (improves safety), enclosed porch with railing, no visible loose guardrails or trip hazards at front walk. No obvious water stains or ceiling sagging present. Unconfirmed: presence of carbon monoxide alarm (not visible), GFCI protection in kitchen/baths (not shown), electrical panel condition, and bedroom egress measurements. Based on visible interior/exterior condition and recent updates, these are likely present or easily correctable but reduce score due to uncertainty."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, roof, plumbing, electrical)",
"score": 80.0,
"rationale": "Listing states a 'Brand New HVAC system in 2025' which strongly reduces HVAC failure risk. Tile roof appears intact with consistent coverage and no visible active leaks or stains on ceilings. No obvious signs of plumbing failure (no interior water damage visible). Electrical panel and water heater locations not photographed so condition is assumed typical for a maintained home. Given the new HVAC and generally clean condition, major systems appear sound but unknowns (water heater age, electrical panel/GFCI) moderate the score."
},
{
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"score": 87.0,
"rationale": "Well-maintained curb, two-car garage, mature landscaping, vinyl fencing at rear (listing) and permanent hurricane shutters. Concrete driveway and walk are intact with normal staining but no major cracking. No standing water visible. Exterior stucco and roof tiles visually consistent and in good condition. Site is within a manicured 55+ community which suggests HOA maintenance standards."
}
],
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"confidence": 0.7,
"assumptions": [
"The 'Brand New HVAC system in 2025' noted in the listing is installed and operational.",
"At least one working smoke detector is present (one is visible) and additional units are either present or will be installed to meet code.",
"No active roof leaks or concealed water damage exist (no ceiling stains visible in photos).",
"A functional water heater is present in the home (location not photographed).",
"Kitchen appliances described as 'newer appliances' exist and are operational even though not shown in photos.",
"Electrical panel and circuit integrity are typical for a maintained home (no exposed wiring observed in photos).",
"Bedrooms have operable egress windows meeting local code (not fully visible but typical for this vintage).",
"No major pest/infestation issues exist (no evidence in photos)."
],
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},
{
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"criteria": [
{
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"label": "Condition & Repairs",
"score": 85.0,
"rationale": "Photos and listing indicate recent cosmetic updates: fresh interior paint, new bedroom flooring, new bathroom vanities and newer appliances called out. Exterior stucco and tile roof appear intact with minor driveway staining and scattered leaf/debris in landscaping. No evidence of collapsed flooring, exposed subfloor, or major interior damage. Missing/incomplete photos of kitchen/baths limit complete verification but overall visible condition is well maintained."
},
{
"key": "safety_code",
"label": "Safety & Code Compliance Risk",
"score": 80.0,
"rationale": "Visible hall smoke detector and two alarm-type devices on wall; entry has a deadbolt; permanent roll-down hurricane shutters are reported/visible. Porch has a guardrail. No exposed wiring, active leaks, collapsed ceilings, or peeling paint observed in photos. Unknowns: GFCI locations in kitchen/baths not visible, carbon monoxide detector not clearly identified, full egress compliance for all bedrooms cannot be fully verified from photos. These unknowns modestly reduce score."
},
{
"key": "systems_mechanical",
"label": "Major Systems (Roof/HVAC/Plumbing/Electrical)",
"score": 78.0,
"rationale": "Listing states a brand new HVAC system (2025) — strong positive for mechanical readiness. Roof tile appears intact in multiple exterior photos with no visible sagging or active leaks. Water heater, electrical panel, and visible plumbing fixtures were not shown in the photos; no evidence of failed systems but lack of direct inspection reduces confidence. Overall systems appear likely serviceable but some verification required."
},
{
"key": "exterior_site",
"label": "Exterior & Site Condition",
"score": 82.0,
"rationale": "Curb appeal is good: maintained lawn, driveway and two-car garage, vinyl rear fencing referenced in listing. Screens/lanai recently re-screened and mature landscaping provides privacy. Trees are mature and close to the roofline which is a manageable maintenance concern (limb/leaf fall, clogging gutters) but not an immediate failure. Walkway and porch surfaces appear even with guardrail present."
}
],
"red_flags": [],
"confidence": 0.7,
"assumptions": [
"Listing is accurate about a new HVAC installed in 2025 and newer appliances.",
"Kitchen, bathrooms, water heater and electrical panel exist and are operational though not shown in photos.",
"Smoke detector visible in hallway is functional; additional required detectors (CO in applicable locations) are either present or will be added.",
"Roll-down hurricane shutters and re-screened lanai are operational as stated.",
"No major hidden water intrusion, mold, or structural issues exist beyond what photos show; mature trees near house increase maintenance risk but not necessarily structural damage."
],
"overall_score": 82.0,
"rubric_version": "nsPIRE-2024-v1.0"
},
{
"summary": "This property appears largely turnkey for a Housing Choice Voucher inspection with recent interior updates and a brand-new HVAC (2025). Visible safety items mostly meet NSPIRE expectations (smoke detector present, secure entry, hurricane shutters), and there are only minor exterior and cosmetic repairs needed (landscape cleanup, driveway/porch cleaning, replace/repair the missing exterior light fixture/cover). Unknowns that should be confirmed before inspection: GFCI protection in kitchen/baths, presence of carbon monoxide alarm if required by local code, hot water and water heater condition, and electrical panel integrity. With those quick verifications and small fixes it is likely to pass an initial HCV inspection; allow ~1–4 weeks to confirm and remedy the minor items.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition and repair needs",
"score": 85.0,
"rationale": "Exterior and visible interiors appear freshly painted and recently updated (listing notes new bedroom flooring and new bathroom vanities). Surfaces (tile and vinyl) look intact, screening and porch in place, garage and driveway functional though driveway has surface staining. Minor deferred maintenance visible: small landscape beds need cleanup, some surface dirt on porch and driveway, and one exterior light/fixture base near the front door appears to be missing a cover/fixture. Listing indicates newer appliances; no kitchen photos to verify but no obvious heavy cosmetic damage. Overall only minor cosmetic and simple fixes required."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 75.0,
"rationale": "A ceiling smoke detector is visible in the hallway. Entry door has a keyed deadbolt and storm door. No obvious exposed wiring or damaged stairs/guardrails in photos. Permanent roll-down hurricane shutters are a positive safety feature. Unknowns that reduce score: no photos of GFCI outlets in kitchen/bath, CO detector presence not shown (may be required if fuel-burning appliances are present), and the exterior light fixture base missing a cover is an electrical hazard that should be fixed. Bedroom egress windows appear typical; no active leaks, sagging ceilings, or major foundation issues are visible. These items are likely easy-to-fix but must be confirmed."
},
{
"key": "systems_mechanical",
"label": "Major systems and mechanical condition",
"score": 80.0,
"rationale": "Listing states a brand-new HVAC system installed in 2025 (strong positive). Roof appears intact (tile), gutters/soffits visible and look serviceable. Water heater, electrical panel and plumbing fixtures are not shown; listing notes a laundry area and utility sink in the garage (assumed functional). Because major systems (electrical panel, water heater, hot water delivery, GFCI protection) are not photographed, a small uncertainty is applied despite the new HVAC."
},
{
"key": "exterior_site",
"label": "Exterior envelope and site condition",
"score": 80.0,
"rationale": "Exterior stucco finish and paint look well-maintained. Driveway and walkways are intact with minor surface staining. Yard is landscaped and the back is described as having vinyl fencing (privacy). Mature trees are close to the roof which increases long-term roof/roof-debris risk and may require periodic trimming. Lanai was recently re-screened per listing. No visible standing water, major cracks, or infestation evidence in photos."
}
],
"red_flags": [],
"confidence": 0.75,
"assumptions": [
"Listing is accurate: HVAC was replaced in 2025 and is operational.",
"Kitchen and laundry appliances described as 'newer' are present and functional though not shown in the provided interior photos.",
"Hot water is available and water heater is serviceable (not pictured).",
"Electrical service and panel are intact and meet code (no visible evidence of unsafe wiring in photos).",
"Roll-down hurricane shutters and vinyl backyard fencing mentioned in listing are present and functional as stated.",
"No major roof tile damage exists beyond normal wear—photos show intact tiles but full roof inspection not provided.",
"Community rules (55+ community) do not prohibit Section 8 tenancy; rental history is unavailable."
],
"overall_score": 80.0,
"rubric_version": "nsPIRE-v1.0-2026-03"
}
],
"model": "gpt-5-mini-2025-08-07",
"errors": [],
"address": "131 49th Ct E, Palmetto, FL, 34221",
"aggregate": {
"summary": "This single-family home appears largely turnkey for Section 8/HCV inspection. Exterior, roof and finishes look well maintained; a new HVAC (2025) and recent interior updates reduce inspection risk. The property shows no obvious life-threatening hazards in photos. Remaining unknowns that could affect inspection are presence of GFCI protection, CO alarm (if required), water heater condition and electrical panel status, plus kitchen/bath plumbing fixtures and appliances which were not photographed. These are likely correctable quickly if missing.",
"criteria": [
{
"key": "condition_repairs",
"label": "Visible condition & repair needs",
"score": 85.0,
"rationale": "Photos and listing show fresh interior paint, new bedroom flooring, new bathroom vanities, re-screened lanai and generally tidy surfaces. Exterior stucco and garage door appear intact. Minor visible deferred maintenance limited to driveway staining, small landscaping debris and some dirt on screens/porch. Missing kitchen and bath interior photos prevent confirmation of appliance fit/finish, but listing claims 'newer appliances' and only minor cosmetic attention appears necessary."
},
{
"key": "exterior_site",
"label": "Exterior envelope, yard and site conditions",
"score": 83.0,
"rationale": "Well-maintained curb, two-car garage, mature landscaping, vinyl fencing at rear (listing) and permanent hurricane shutters. Concrete driveway and walk are intact with normal staining but no major cracking. No standing water visible. Exterior stucco and roof tiles visually consistent and in good condition. Site is within a manicured 55+ community which suggests HOA maintenance standards."
},
{
"key": "safety_code",
"label": "Section 8 / NSPIRE safety & code risk",
"score": 77.7,
"rationale": "Positive indicators: visible ceiling smoke detector in hallway, secure entry door with deadbolt, permanent roll-down hurricane shutters (improves safety), enclosed porch with railing, no visible loose guardrails or trip hazards at front walk. No obvious water stains or ceiling sagging present. Unconfirmed: presence of carbon monoxide alarm (not visible), GFCI protection in kitchen/baths (not shown), electrical panel condition, and bedroom egress measurements. Based on visible interior/exterior condition and recent updates, these are likely present or easily correctable but reduce score due to uncertainty."
},
{
"key": "systems_mechanical",
"label": "Major systems (HVAC, roof, plumbing, electrical)",
"score": 79.3,
"rationale": "Listing states a 'Brand New HVAC system in 2025' which strongly reduces HVAC failure risk. Tile roof appears intact with consistent coverage and no visible active leaks or stains on ceilings. No obvious signs of plumbing failure (no interior water damage visible). Electrical panel and water heater locations not photographed so condition is assumed typical for a maintained home. Given the new HVAC and generally clean condition, major systems appear sound but unknowns (water heater age, electrical panel/GFCI) moderate the score."
}
],
"red_flags": [],
"confidence": 0.95,
"assumptions": [
"The 'Brand New HVAC system in 2025' noted in the listing is installed and operational.",
"At least one working smoke detector is present (one is visible) and additional units are either present or will be installed to meet code.",
"No active roof leaks or concealed water damage exist (no ceiling stains visible in photos).",
"A functional water heater is present in the home (location not photographed).",
"Kitchen appliances described as 'newer appliances' exist and are operational even though not shown in photos.",
"Electrical panel and circuit integrity are typical for a maintained home (no exposed wiring observed in photos).",
"Bedrooms have operable egress windows meeting local code (not fully visible but typical for this vintage).",
"No major pest/infestation issues exist (no evidence in photos)."
],
"score_method": "mean_of_criteria",
"overall_score": 81.4,
"rubric_version": "2026-03-27_v1",
"confidence_method": "derived_from_run_agreement"
},
"property_id": "6901075289"
}
}
This dashboard combines underwriting, voucher payment standards, utilities, and local property signals in one workflow.