Off MarketExcellent Deal5 days on market

495 1st St

495 1st St, Geneva, FL 32732, Geneva, FL 32732
$695,000
Estimate®:$683,500

Listing Price

Property image 1
495 1st St, Geneva, FL 32732
Loc: Geneva, FL
Days Listed
5
Tax Assessed
$319k
Estimate®
$684k
Market Rate
Lot Size
5.11 acres
Rent Estimate
$3,087/mo
Est. Cash Flow base
Type
single family

More Than Just a Property

We believe a home extends beyond its walls. That's why we help you explore the pulse of the community—from top-rated schools to essential emergency services. Your safety, well-being, and connection to the neighborhood matter to us.

4.9
Safety Score
A+
Schools

Nearby Schools

Educational options and performance ratings in the area.

8

Geneva Elementary School

PK-5
0.5 mi away
9

Chiles Middle School

6-8
6.9 mi away
8

Oviedo High School

9-12
8.2 mi away

Property Overview

No property narrative or remarks were supplied in the source listing records. Underwriting and financial metrics are calculated directly from public record data and MLS attributes.

Features & Amenities

Single Family Residence1988CentralCentral Air2 Garage spaces5.11 Acres

Haven AI Verdict

Recommendation
Excellent
Confidence Score: 10/10
Strong rental demand expected in this area (98% occupancy rate).
Turnkey property requiring minimal initial CapEx.
Cap Rate
7.92%
Total ROI
29.2%
Cash Flow
$1,070/mo
DSCR
1.30
Was this AI Verdict accurate?

Data provided by Haven AI. Disclaimer

Haven AI

Property yields an estimated $1,070/mo net cash flow with a 7.9% cap rate. Underwriting indicates excellent fundamentals for long-term hold.

Strengths
  • Favorable cap rate profile (7.9%)
  • Strong rental demand in Geneva
Considerations
  • Verify historical operating expenses and local tax assessment
  • Confirm current lease terms and tenant estoppel certificates

10-Year Price Projection

Price & Tax History

Price History

DateEventPricePrice/sqft
2026-06-05Sold$685,500$441
2026-05-14Pending sale$695,000$447
2026-05-08Listed for sale$695,000$447
1994-01-12Sold$200,000$129

Tax History

YearProperty TaxTax Assessment
2025$1,969.75$162,553
2024$1,558.17$157,972
2023$1,510.1$153,371
2022$1,462.62$148,904
2021$1,690.14$144,567
2020$1,671.33$142,571
2019$1,650.63$139,366
2018$1,650.63$136,767
2017$1,625.33$133,954
2016$1,609.28$132,117
2015$1,640.01$130,287
2014$1,640.01$129,253
2013$1,446.89$127,343
2012$1,344.88$125,214
2011$1,305.13$121,567
2010$1,290.59$119,770
2009$1,233.99$116,621
2008$1,190.11$116,504
2007$1,301.26$113,111
2006$901.08$80,915
2005$877.61$78,558
2004$866.52$76,270
2003$854.6$74,848
2002$838.08$73,094
2000$792.94$69,848
Nathaniel Pitchon-Getzels Logo
Getzels Group
Haven Team
CalRE #01884947
Call / Text
818.535.5337

Property Specs

Beds
2
Baths
3
Sq Ft
1,554
Address-Level Value-Add Underwriting

ARV, Rehab & Maximum Allowable Offer (MAO)

Model contractor scopes, estimated after-repair value (ARV) projections, and determine your purchase price ceiling to protect target margins.

Modeled value-add projection (+18% baseline) for 2b/3ba in Geneva
+18% vs. list
$
$69,930
75% Rule
Maximum Allowable Offer (MAO)
$545,145

Calculated as (75% × $820,100) − $69,930

Asking Price is $149,855 (21.6%) Above MAO
To achieve your target margin of 25%, submit an initial counteroffer closer to $545,145 based on $69,930 in required updates.
Current Asking Price:$695,000
Estimated ARV:$820,100
Estimated Renovation:$69,930
All-In Capital Basis (MAO + Rehab):$615,075
Projected Equity Margin:+$205,025
Institutional Underwriting Ledger

Investment Numbers & Operating Model

Standardized cash flow underwriting modeled with state tax schedules, regional insurance hazard risk, and disciplined operating reserves.

Data Provenance:[Observed] List Price: $695,000[Observed] Rent: $3,087/mo[Estimated] Tax Rate: 0.98% (FL)[Estimated] Hazard Ins: $348/mo[Defaulted] Reserves: 23% OpEx Baseline
Haven ScoreRisky
0/ 10

Multi-factor yield grade

Cap Rate (Unleveraged)
3.05%

NOI: $21,218/yr

Cash-on-Cash Yield
-13.8%

On $159,850 invested

DSCR Ratio
0.49x

Negative debt coverage

5-Yr Leveraged ROI
+25.2%

Equity + cumulative cash

Financing Scenario Controls
Adjust down payment & rates to model your personalized return

Monthly Cash Flow Breakdown

Monthly Operating Deductions
[Estimated]Property Taxes (0.98% of basis)-$261/mo
[Estimated]Homeowner / Hazard Insurance-$348/mo
[Defaulted]Vacancy Reserve (5% of rent)-$154/mo
[Defaulted]Repairs & Maintenance (10% of rent)-$309/mo
[Defaulted]Property Management (8% of rent)-$247/mo
Total Pure Operating Expenses-$1,319/mo
Net Investor Cash Flow
Gross Scheduled Rent+$3,087/mo
Less: Operating Expenses-$1,319/mo
Net Operating Income (NOI)+$1,768/mo
Less: Debt Service (30yr @ 6.75%)-$3,606/mo
Net Cash Flow
$-1,838/mo
$-22,056/year
Underwrite with Acquisition CalculatorsTransfer this property's exact numbers into dedicated underwriting tools:

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