Off-Market~$85K Spread

2BR + Loft / 1BA — Rehab Nearly Finished

Pasco · Dade City
Starting at $140,000

The previous owner ran out of money finishing the rehab — the roof is a year old, the electric and plumbing are updated, and little work remains.

About This Property

A 1929 cottage of 960 sq ft in Dade City with two bedrooms, one bath, and a loft that can be finished into a third bedroom — on about a fifth of an acre.

The heavy lifting is done: the roof is about a year old, and the electrical and plumbing have both been updated. The owner simply ran out of money trying to finish, which is why the remaining scope is short. The AC is 20+ years, so budget cooling with the finish-out. Septic system.

Vacant at close, flood zone X, and downtown Dade City's antiques-district charm does the marketing for the exit.

Property Details

  • Property typeSingle-family cottage
  • Bedrooms2 + loft (convertible to 3rd)
  • Bathrooms1
  • Living area960 sq ft
  • Year built1929
  • Lot~0.2 acre
  • SystemsSeptic · updated electrical & plumbing
  • Flood zoneX
  • Street addressOn record — released to registered buyers

Condition & Scope

  • Roof~1 yr
  • AC20+ yrs — budget replacement
  • ElectricalUpdated
  • PlumbingUpdated
  • ScopeFinish-out — "little rehab left" per source
  • ConditionSold as-is

Comparables

  • Seller-provided after-repair value of $225,000 — not independently verified by us

Ask and we will pull county sold comps and underwrite this deal with you before you offer.

Offer Terms

  • Accepted financingCash · hard-money / private
  • Proof of fundsRequired with offer
  • Earnest moneyDue at contract signing
  • Closing costsTypically buyer-paid
  • TimelineQuick close preferred
  • Earnest money$7,500
  • Seller's target closingSeptember 8, 2026

Terms are typical for these opportunities — exact figures and title company confirmed with your offer.

How It Works

Is this property on the MLS?

No. These are off-market opportunities shared privately with our buyer network before they ever hit the open market — so you avoid bidding wars and retail competition.

Can I walk the property before I offer?

Yes — walkthroughs are by appointment. Reach out and we'll coordinate access or share a walkthrough video where one is available.

What do I need to lock it up?

A signed agreement, proof of funds, and an earnest-money deposit. Cash or hard-money / private financing moves fastest.

Do you have comps and a full numbers breakdown?

ARV and rehab figures on most listings come from the seller, and we label them that way rather than presenting them as our own analysis. Ask, and we will pull county sold comps and underwrite the deal with you before you make an offer. On some listings that work is already done.

How quickly can we close?

As fast as title allows. Quick, clean closings are preferred and often part of securing the best price.

To schedule a walkthrough or submit an offer, contact:
Stephen Tilton — FLA Private Deals
📲 407-955-2759  |  📧 StephenLifeFL@gmail.com
Unlock Address & Numbers

All figures (after-repair value, rehab estimates, rents, and spreads) are estimates provided for investor convenience and are not guaranteed. Buyers should perform their own due diligence and verify all numbers, condition, square footage, and zoning independently. Property offered for off-market sale; details subject to change or prior sale.