5000 SE Federal Hwy #160 · Stuart, FL 34997

$74,900

2 bd · 2.0 ba · 732 sqft · Manufactured · 177 Days on market

Manufactured home Built 1975 Good condition $102/sqft · 19% below area Est $93k · 19% under ↓ 17% since listing

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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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.5/10.0
• Livability +4.2/5.0
• Condition / age +4.0/5.0
• Rent growth +3.2/5.0
• Appreciation +2.5/10.0
• Manufactured-home adj. -6.7

Listing remarks MLS

ALL AGE Community! PETS WELCOME! Completely Remodeled! Drywall throughout New Flooring throughout. Beautifully remodeled, spa-like bathrooms. Two bedrooms on opposite sides of home creating private space for each. Large 200sf porch / Florida room for extra entertaining space. Screens have just been replaced. Roof was waterproofed three years ago. Home backs up to green space, so there is no home behind you. This is a MUST SEE. This land leased home sits just off Federal Hwy in a private quiet park. Close to restaurants, hospital, shopping and BEACH. $923 land lease pays for lawn maintenance, basic cable, trash pick up and PROPERTY TAXES. Park amenities include, swimming pool, playground, and shuffle board. Call today to for a private tour.

Key facts

• Spa-like bathrooms
• Green space
• Private quiet park

Tags

• REMODELED
• SPA-LIKE BATHROOMS
• LARGE PORCH
• GREEN SPACE
• PRIVATE QUIET PARK
• SWIMMING POOL

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $75k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $741 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $75k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.
• Cap rate 18.2% vs local median 3.2% in Stuart — 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 84/100 on livability (#39 in FL, #790 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+; Watch: crime C-, employment C-, amenities D.
• Martin (suburban): math 52% / reading 53% proficiency, ranked #24 of 73 in FL (top 33%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Pinewood Elementary School (math 37% / reading 39%, grade F, #1,587 of 2,144 statewide, top 74%, 726 students, 64% FRL); Dr. David L. Anderson Middle School (math 51% / reading 46%, grade C-, #274 of 571 statewide, top 50%, 1,035 students, 63% FRL); Martin County High School (math 45% / reading 54%, grade D, #179 of 667 statewide, top 29%, 2,273 students, 42% FRL) — zoned schools average 56% FRL vs 41% district-wide (16 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.7%/yr); 731 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 16d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 737 units permitted in Martin County in 2024 (167 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $518 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Martin County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 2.7% rent growth), your $21k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 177 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $65,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 177 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
6. 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.
7. 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.
8. 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: 2.13% ✓
• Cap rate: 18.16%
• Cash-on-cash: 42.39%
• DSCR: 2.89
• GRM: 3.9

CMA / ARV

• ARV (median comp): $92,588
• List price: $74,900
• Delta: -19.10%
• Verdict: UNDERPRICED
• Comps: 4 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5000 SE Federal Hwy #806	0.03mi	2/2.0	720 (-2%)	5mo	$40,000	$56	91
5000 SE Federal Hwy #148	0.00mi	2/2.0	720 (-2%)	18mo	$50,000	$69	82
2446 SE Carroll St	0.20mi	2/2.0	720 (-2%)	7mo	$121,500	$169	82
5000 SE Federal Highway Hwy #193	0.00mi	2/1.0	652 (-11%)	13mo	$67,000	$103	67
2632 SE Milky Way Dr	0.20mi	2/2.0	846 (+16%)	14mo	$165,000	$195	54
4800 SE Federal Hwy #153	0.19mi	2/2.0	864 (+18%)	17mo	$170,000	$197	52
5035 SE Horizon Ave	0.88mi	1/2.0 (-1)	806 (+10%)	6mo	$156,000	$194	38
5459 SE Jack Ave	0.94mi	2/1.0	800 (+9%)	14mo	$175,500	$219	34

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

Projected returns pro-forma

-3.0% appreciation · 2.71% rent growth · sell at horizon

5-year hold

• IRR: 38.8%
• Equity multiple: 2.65×
• Total profit: $34,604
• Equity at exit: $11,168

10-year hold

• IRR: 45.1%
• Equity multiple: 5.25×
• Total profit: $89,093
• Equity at exit: $6,476

Cash invested: $20,972 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 2 active
• Months of supply: 12.0 mo (8%/mo absorbed)
• Median asking: $67,500 ($97/sqft)
• Median days on market: 30 d
• This list price: 50% of active listings are priced below it
• ARV vs active asking: +29.8% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34997

• Rents YoY: 2.7%
• Active inventory: 731
• Price-to-rent: 3.9×

Monthly cashflow live

• Estimated rent: $1,593 high
• Mortgage (P&I): −$393
• Tax est. 1.5%: −$94 /mo · $1,124/yr
• Insurance: −$31
• HOA: −$0
• Lot rent leased land?: −$0
• Vacancy / Maint / Mgmt: −$335
• Net cashflow: $741

Break-even live

Break-even rent $655

Max offer price $74,900

Occupancy floor 48%

Sensitivity live

Price	-10% $793	-5% $767	+0% $741	+5% $715	+10% $689
Rent	-10% $615	-5% $678	+0% $741	+5% $804	+10% $867
Rate	-1.0pp $779	-0.5pp $760	base $741	+0.5pp $721	+1.0pp $702

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: $18,725
• Closing costs: $2,247
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4585 SE Federal Hwy Stuart, FL	1.0–3.0	1.0–2.0	1015	$2,242	$2.21	15d	27	0.28mi
4284 SE Cove Lake Cir Stuart, FL	1.0	1.0	719	$1,765	$2.45	15d	1	1.40mi
4284 SE Cove Lake Cir Stuart, FL	1.0	1.0	719	$1,815	$2.52	72d	1	1.40mi
3018 SE Iris St Unit 2 Stuart, FL	2.0	1.0	580	$2,100	$3.62	15d	1	1.40mi
3250 SE Commerce Ave Stuart, FL	1.0–2.0	1.0–2.0	746	$2,112	$2.83	15d	35	1.48mi
2855 SE Garden St Stuart, FL	3.0	2.0	598	$1,820	$3.04	15d	1	1.50mi

Listing history 37 events

1. 2026-07-06
   days on market $74,900 Active 177 DOM
2. 2026-07-05
   days on market $74,900 Active 176 DOM
3. 2026-07-04
   days on market $74,900 Active 175 DOM
4. 2026-07-03
   days on market $74,900 Active 174 DOM
5. 2026-07-02
   days on market $74,900 Active 173 DOM
6. 2026-07-01
   days on market $74,900 Active 172 DOM
7. 2026-06-30
   days on market $74,900 Active 171 DOM
8. 2026-06-29
   days on market $74,900 Active 170 DOM
9. 2026-06-28
   days on market $74,900 Active 169 DOM
10. 2026-06-28
    days on market $74,900 Active 168 DOM
11. 2026-06-27
    days on market $74,900 Active 167 DOM
12. 2026-06-25
    days on market $74,900 Active 165 DOM
13. 2026-06-23
    days on market $74,900 Active 163 DOM
14. 2026-06-21
    days on market $74,900 Active 162 DOM
15. 2026-06-18
    days on market $74,900 Active 159 DOM
16. 2026-06-17
    days on market $74,900 Active 158 DOM
17. 2026-06-16
    days on market $74,900 Active 157 DOM
18. 2026-06-15
    days on market $74,900 Active 156 DOM
19. 2026-06-14
    days on market $74,900 Active 154 DOM
20. 2026-06-13
    days on market $74,900 Active 153 DOM
21. 2026-06-10
    days on market $74,900 Active 151 DOM
22. 2026-06-09
    days on market $74,900 Active 150 DOM
23. 2026-06-08
    days on market $74,900 Active 149 DOM
24. 2026-06-07
    days on market $74,900 Active 148 DOM
25. 2026-06-03
    days on market $74,900 Active 144 DOM
26. 2026-06-02
    days on market $74,900 Active 143 DOM
27. 2026-06-01
    days on market $74,900 Active 142 DOM
28. 2026-05-31
    days on market $74,900 Active 141 DOM
29. 2026-05-31
    days on market $74,900 Active 140 DOM
30. 2026-01-11
    listed $74,900 Active 749-char remark

    Show marketing remark (749 chars)

    ALL AGE Community! PETS WELCOME! Completely Remodeled! Drywall throughout New Flooring throughout. Beautifully remodeled, spa-like bathrooms. Two bedrooms on opposite sides of home creating private space for each. Large 200sf porch / Florida room for extra entertaining space. Screens have just been replaced. Roof was waterproofed three years ago. Home backs up to green space, so there is no home behind you. This is a MUST SEE. This land leased home sits just off Federal Hwy in a private quiet park. Close to restaurants, hospital, shopping and BEACH. $923 land lease pays for lawn maintenance, basic cable, trash pick up and PROPERTY TAXES. Park amenities include, swimming pool, playground, and shuffle board. Call today to for a private tour.

31. 2026-01-03
    historical
32. 2025-10-10
    status Active
33. 2025-09-30
    historical Active Under Contract
34. 2025-07-03
    listed $79,900 Active
35. 2025-06-27
    historical
36. 2025-05-29
    price $85,000
37. 2025-04-04
    listed $90,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 24 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,115
• − Mortgage interest: −$4,196
• − Property taxes: −$1,124
• − Insurance: −$374
• − Repairs & maintenance: −$1,529
• − Management: −$1,529
• − Depreciation: −$2,179
• Taxable income: $8,184
• Est. tax owed @ 24.0%: −$1,964
• After-tax cash flow: $6,925/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.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $3,660–$10,980 screening

This fully remodeled mobile home is in excellent condition with modern updates and a great location. It's move-in ready and perfect for both buyers and renters.

Value-add opportunities

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics. ↑
• Both Upgrading window treatments — Improves energy efficiency and enhances curb appeal. ↑
• Both Adding smart home features — Enhances convenience and marketability for both buyers and renters. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 45/100

Zoned Schools

Elementary Pinewood Elementary School F FL #1,587/2,144 Nat'l #21,128/41,679 Middle Dr. David L. Anderson Middle School C- FL #274/571 Nat'l #3,846/14,009 High Martin County High School D FL #179/667 Nat'l #5,677/17,239

Schools (NCES district)

• District: Martin
• NCES district ID: 1201290
• Math proficiency: 52% ▼ -14.00%
• Reading proficiency: 53% ▼ -4.00%
• Median HH income: $52,482
• Composite: 45.1/100
• National rank: #2690
• State rank: #24 of 73 in FL

A Composite livability gradescore 84/100

Livability — Stuart

• Score: 84/100
• State rank: #39
• US rank: #790

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Martin County · 172,383 people
• City population: 65,812
• Metro: Port St. Lucie, FL
• Population (ZIP): 47,075
• Household income: $78,136
• Rent vs Own: 19.1% rent · 80.9% own
• Severe rent burden: 7% of renters

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Population outlook (Martin County) Hauer SSP2

• Today (2025): 172,383 people
• By 2030: 180,192 · +4.5%
• By 2040: 194,114 · +12.6%
• By 2050: 204,992 · +18.9%
• By 2075: 229,641 · +33.2%
• By 2100: 232,146 · +34.7%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 19% Two or more races 9% Black 3% Asian 1%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2% Cuban 3%
• Common ancestry: Romanian 3% Lithuanian 3% Slovak 2%
• Foreign-born: 14% · Canada, Jamaica, China
• Languages at home: 81% English-only · Spanish 14% French/Haitian/Cajun 2% Other Indo-European 1%

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Political lean MEDSL · Martin

• 2024 margin: Solid R (+31.1) · D 34.1% · R 65.2%
• 2008→2024 swing: -17.5pp toward R · 2008: -13.6pp · 2024: -31.1pp
• All cycles: 2024: R+31.1 2020: R+24.6 2016: R+26.9 2012: R+22.9 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -319.78%
• Current HPI: 336.7717
• Rent YoY: ▲ 2.71%
• Metro: Port St. Lucie, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

-16.8% since first listed

8 events — show timeline

• 2026-01-11 Listed $74,900 Beaches MLS
• 2026-01-03 Listing Removed — Beaches MLS
• 2025-10-10 Relisted — Beaches MLS
• 2025-09-30 Contingent — Beaches MLS
• 2025-07-03 Listed $79,900 Beaches MLS
• 2025-06-27 Listing Removed — Beaches MLS
• 2025-05-29 Price Changed $85,000 Beaches MLS
• 2025-04-04 Listed $90,000 Beaches MLS