4408 Gallagher Rd
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Nearby Schools
Educational options and performance ratings in the area.
Bailey Elementary School
Burnett Middle School
Strawberry Crest High School
Property Overview
A stunning investment opportunity in a prime location. This property features modern amenities, spacious living areas, and strong rental potential.
Features & Amenities
Haven AI Verdict
Data provided by Haven AI. Disclaimer
Haven AI
This property represents a high-risk speculative play rather than a sound income-producing investment. With a significant monthly cash flow deficit of -$1,705.56, an investor would effectively be subsidizing the holding costs by over $20,400 annually. The rental yield of 3.77% is strikingly low for the Plant City market and fails to compete with current risk-free treasury rates or standard cap rates for single-family rentals. Even with a conservative 4% appreciation rate, the negative carry severely erodes total returns. This asset is only viable for a cash-heavy buyer prioritizing long-term land value over immediate yield, as the current debt-to-income ratio is unsustainable for traditional leverage.
- • Substantial square footage at 2,742 sqft provides appeal for long-term family tenants
- • Strategic location in the growing corridor between Tampa and Orlando
- • 4% expected appreciation aligns with historical regional trends
- • Severe negative monthly cash flow requires significant out-of-pocket subsidies
- • Rental yield of 3.77% is well below the threshold for a conservative investment
- • High entry price of $890,000 limits the pool of exit buyers in a high-rate environment
- • Negative leverage scenario where borrowing costs far exceed the property's cap rate
10-Year Price Projection
Price & Tax History
Price History
| Date | Event | Price | Price/sqft |
|---|---|---|---|
| 2026-04-27 | Listed for sale | $890,000 | $325 |
| 2006-08-30 | Sold | $176,000 | $64 |
Tax History
| Year | Property Tax | Tax Assessment |
|---|---|---|
| 2024 | $8,497.19 | $502,165 |
| 2023 | $8,226.79 | $487,539 |
| 2022 | $7,451.27 | $418,928 |
| 2021 | $6,760.47 | $393,180 |
| 2020 | $6,551.78 | $382,365 |
| 2019 | $6,713.02 | $390,704 |
| 2018 | $587.42 | $37,201 |
| 2017 | $1,008.22 | $67,810 |
| 2016 | $995.44 | $64,684 |
| 2015 | $958.02 | $61,665 |
| 2014 | $958.02 | $62,216 |
| 2013 | $1,055.84 | $66,387 |
| 2012 | $1,668.53 | $70,820 |
| 2011 | $1,785.49 | $76,445 |
| 2010 | $1,079.29 | $82,927 |
| 2009 | $1,256.47 | $91,794 |
| 2008 | $1,460.72 | $102,171 |
| 2007 | $1,730.57 | $101,706 |
| 2006 | $1,353.63 | $78,873 |
| 2005 | $1,331.8 | $76,157 |
| 2004 | $0 | $73,939 |
| 2003 | $0 | $24,451 |
| 2002 | $0 | $23,878 |
| 2001 | $0 | $20,807 |
| 2000 | $167.63 | $42,886 |
Investment Numbers & Operating Model
Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.
Multi-factor yield grade
NOI: $24,647/yr
On $204,700 invested
Negative debt coverage
Equity + cumulative cash
Monthly Cash Flow Breakdown
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