9072 Lake Point Blvd · Indian Lake Estates, FL 33898

$139,900

2 bd · 2.0 ba · 960 sqft · Manufactured public records · 241 Days on market

Built 1980 5,227 sqft lot $16/mo HOA · 1% of rent

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Why this score? — see what drove the C- 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 +21.6/30.0
• ARV discount +7.5/15.0
• DSCR +6.9/10.0
• 1% rule +5.5/10.0
• Schools +3.5/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully maintained and upgraded 2 bedroom, 2 bathroom home in rural 55+ manufactured home community. The home is completely and nicely furnished, and ready to move into. This community is located on the largest lake in Polk County and is known for trophy Bass. This home is part of an optional share program which allows the use of all amenities this community offers. The down payment has been paid, which is a $2,400.00 value. $100 per month is all you pay to access everything. There are boat slips and a storage area, which are available at an additional cost on a first come basis. You can fish from the pier, launch your boat, swim in the heated pool, play cards, sing karaoke, enjoy potlucks and holiday dinners, and a lot more. A huge Florida room is great for enjoying your morning coffee, or entertaining. DON'T WAIT! THIS WILL BE GONE! If you're looking for a peaceful, serene setting, this is it.

Key facts

• Rural living
• Lake front
• Florida room

Tags

• LAKE FRONT
• FLORIDA ROOM
• RURAL LIVING

Property features AI

Finance

• Other: Total acreage: 0 to less than 1/4 acre; Lot size approximately 0.12 acres
• Financial info: No lease restrictions reported
• HOA & community: Has HOA (Gary Parker) — $200 annually ($16.67 monthly); Association amenities: Clubhouse, Pool, Shuffleboard court; Community features: Clubhouse, Pool; Golf carts allowed; Senior community; Pets allowed

Exterior

• Parking: Carport with 2 spaces
• Utilities: Public water; Public sewer; Cable available; Electricity connected; Water connected; Sewer connected
• Home design: Manufactured home (double wide); One level; Faces west
• Construction: Vinyl siding; Metal roof; Crawlspace foundation
• Exterior features: Enclosed patio/porch; Front porch; Awning(s); French doors; Rain gutters; Sliding doors; Lake access (Walk-in lake) with fishing pier and skiing allowed; Asphalt road access

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Ceramic tile; Laminate; Linoleum
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Electric heating; Heat pump; Central air
• Interior features: Built-in features; Ceiling fans; High ceilings; Walk-in closet(s)
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $140k.

Deal economics

• At list price, monthly cash flow is $214 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $140k).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade C — affects rentability + tenant quality, not the cash-flow math above.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 500 active listings in the ZIP; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 31% of the median local income ($57k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 241 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 3y ago 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; major wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $123,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 241 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
6. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
7. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
8. 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.
9. 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.
10. 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: 1.05% ✓
• Cap rate: 8.13%
• Cash-on-cash: 6.55%
• DSCR: 1.29
• GRM: 8.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -6.2%
• Equity multiple: 0.77×
• Total profit: $-9,051
• Equity at exit: $20,860

10-year hold

• IRR: 3.4%
• Equity multiple: 1.25×
• Total profit: $9,672
• Equity at exit: $12,096

Cash invested: $39,172 (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 →

ZIP-level market 33898

• Home prices YoY: -15.1%
• Active inventory: 500
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,462 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$133 /mo · $1,600/yr
• Insurance: −$58
• HOA: −$16
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $214

Break-even live

Break-even rent $1,192

Max offer price $139,900

Occupancy floor 80%

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: $34,975
• Closing costs: $4,197
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $16 · $192/yr
• Likely covers: pool

Listing history 30 events

1. 2026-06-18
   days on market $139,900 Active 241 DOM
2. 2026-06-17
   days on market $139,900 Active 240 DOM
3. 2026-06-16
   days on market $139,900 Active 239 DOM
4. 2026-06-15
   days on market $139,900 Active 238 DOM
5. 2026-06-13
   days on market $139,900 Active 236 DOM
6. 2026-06-10
   days on market $139,900 Active 233 DOM
7. 2026-06-09
   days on market $139,900 Active 232 DOM
8. 2026-06-08
   days on market $139,900 Active 231 DOM
9. 2026-06-07
   days on market $139,900 Active 230 DOM
10. 2026-06-05
    days on market $139,900 Active 227 DOM
11. 2026-06-03
    days on market $139,900 Active 225 DOM
12. 2026-06-01
    days on market $139,900 Active 224 DOM
13. 2026-05-31
    days on market $139,900 Active 223 DOM
14. 2026-04-09
    status Active
15. 2026-04-01
    historical
16. 2026-01-23
    price $139,900
17. 2025-10-12
    listed $145,000 Active
18. 2024-02-19
    soldstatus $138,300
19. 2024-02-09
    soldstatus $138,297 Closed 912-char remark

    Show marketing remark (912 chars)

    Beautifully maintained and upgraded 2 bedroom, 2 bathroom home in rural 55+ manufactured home community. The home is completely and nicely furnished, and ready to move into. This community is located on the largest lake in Polk County and is known for trophy Bass. This home is part of an optional share program which allows the use of all amenities this community offers. The down payment has been paid, which is a $2,400.00 value. $100 per month is all you pay to access everything. There are boat slips and a storage area, which are available at an additional cost on a first come basis. You can fish from the pier, launch your boat, swim in the heated pool, play cards, sing karaoke, enjoy potlucks and holiday dinners, and a lot more. A huge Florida room is great for enjoying your morning coffee, or entertaining. DON'T WAIT! THIS WILL BE GONE! If you're looking for a peaceful, serene setting, this is it.

20. 2024-02-02
    status Pending 912-char remark

    Show marketing remark (912 chars)

    Beautifully maintained and upgraded 2 bedroom, 2 bathroom home in rural 55+ manufactured home community. The home is completely and nicely furnished, and ready to move into. This community is located on the largest lake in Polk County and is known for trophy Bass. This home is part of an optional share program which allows the use of all amenities this community offers. The down payment has been paid, which is a $2,400.00 value. $100 per month is all you pay to access everything. There are boat slips and a storage area, which are available at an additional cost on a first come basis. You can fish from the pier, launch your boat, swim in the heated pool, play cards, sing karaoke, enjoy potlucks and holiday dinners, and a lot more. A huge Florida room is great for enjoying your morning coffee, or entertaining. DON'T WAIT! THIS WILL BE GONE! If you're looking for a peaceful, serene setting, this is it.

21. 2023-11-21
    status Active 912-char remark

    Show marketing remark (912 chars)

    Beautifully maintained and upgraded 2 bedroom, 2 bathroom home in rural 55+ manufactured home community. The home is completely and nicely furnished, and ready to move into. This community is located on the largest lake in Polk County and is known for trophy Bass. This home is part of an optional share program which allows the use of all amenities this community offers. The down payment has been paid, which is a $2,400.00 value. $100 per month is all you pay to access everything. There are boat slips and a storage area, which are available at an additional cost on a first come basis. You can fish from the pier, launch your boat, swim in the heated pool, play cards, sing karaoke, enjoy potlucks and holiday dinners, and a lot more. A huge Florida room is great for enjoying your morning coffee, or entertaining. DON'T WAIT! THIS WILL BE GONE! If you're looking for a peaceful, serene setting, this is it.

22. 2023-11-16
    status Pending 912-char remark

    Show marketing remark (912 chars)

    Beautifully maintained and upgraded 2 bedroom, 2 bathroom home in rural 55+ manufactured home community. The home is completely and nicely furnished, and ready to move into. This community is located on the largest lake in Polk County and is known for trophy Bass. This home is part of an optional share program which allows the use of all amenities this community offers. The down payment has been paid, which is a $2,400.00 value. $100 per month is all you pay to access everything. There are boat slips and a storage area, which are available at an additional cost on a first come basis. You can fish from the pier, launch your boat, swim in the heated pool, play cards, sing karaoke, enjoy potlucks and holiday dinners, and a lot more. A huge Florida room is great for enjoying your morning coffee, or entertaining. DON'T WAIT! THIS WILL BE GONE! If you're looking for a peaceful, serene setting, this is it.

23. 2023-11-08
    price $149,900 912-char remark

    Show marketing remark (912 chars)

    Beautifully maintained and upgraded 2 bedroom, 2 bathroom home in rural 55+ manufactured home community. The home is completely and nicely furnished, and ready to move into. This community is located on the largest lake in Polk County and is known for trophy Bass. This home is part of an optional share program which allows the use of all amenities this community offers. The down payment has been paid, which is a $2,400.00 value. $100 per month is all you pay to access everything. There are boat slips and a storage area, which are available at an additional cost on a first come basis. You can fish from the pier, launch your boat, swim in the heated pool, play cards, sing karaoke, enjoy potlucks and holiday dinners, and a lot more. A huge Florida room is great for enjoying your morning coffee, or entertaining. DON'T WAIT! THIS WILL BE GONE! If you're looking for a peaceful, serene setting, this is it.

24. 2023-11-04
    listed $154,900 Active 912-char remark

    Show marketing remark (912 chars)

    Beautifully maintained and upgraded 2 bedroom, 2 bathroom home in rural 55+ manufactured home community. The home is completely and nicely furnished, and ready to move into. This community is located on the largest lake in Polk County and is known for trophy Bass. This home is part of an optional share program which allows the use of all amenities this community offers. The down payment has been paid, which is a $2,400.00 value. $100 per month is all you pay to access everything. There are boat slips and a storage area, which are available at an additional cost on a first come basis. You can fish from the pier, launch your boat, swim in the heated pool, play cards, sing karaoke, enjoy potlucks and holiday dinners, and a lot more. A huge Florida room is great for enjoying your morning coffee, or entertaining. DON'T WAIT! THIS WILL BE GONE! If you're looking for a peaceful, serene setting, this is it.

25. 2023-03-16
    soldstatus $130,000
26. 2023-03-14
    soldstatus $130,000 Closed 949-char remark

    Show marketing remark (949 chars)

    Beautifully maintained and upgraded 2 bedroom, 2 bathroom home in rural 55+ manufactured home community. The home is completely and nicely furnished, and ready to move into. The golf cart comes with the home. This community is located on the largest lake in Polk County and is known for trophy Bass. This home is part of an optional share program which allows the use of all amenities this community offers. The down payment has been paid, which is a $2,400.00 value. $100 per month is all you pay to access everything. There are boat slips and a storage area, which are available at an additional cost on a first come basis. You can fish from the pier, launch your boat, swim in the heated pool, play cards, sing karaoke, enjoy potlucks and holiday dinners, and a lot more. A huge Florida room is great for enjoying your morning coffee, or entertaining. DON'T WAIT! THIS WILL BE GONE! If you're looking for a peaceful, serene setting, this is it.

27. 2023-01-15
    status Pending 949-char remark

    Show marketing remark (949 chars)

    Beautifully maintained and upgraded 2 bedroom, 2 bathroom home in rural 55+ manufactured home community. The home is completely and nicely furnished, and ready to move into. The golf cart comes with the home. This community is located on the largest lake in Polk County and is known for trophy Bass. This home is part of an optional share program which allows the use of all amenities this community offers. The down payment has been paid, which is a $2,400.00 value. $100 per month is all you pay to access everything. There are boat slips and a storage area, which are available at an additional cost on a first come basis. You can fish from the pier, launch your boat, swim in the heated pool, play cards, sing karaoke, enjoy potlucks and holiday dinners, and a lot more. A huge Florida room is great for enjoying your morning coffee, or entertaining. DON'T WAIT! THIS WILL BE GONE! If you're looking for a peaceful, serene setting, this is it.

28. 2023-01-12
    listed $142,900 Active 949-char remark

    Show marketing remark (949 chars)

    Beautifully maintained and upgraded 2 bedroom, 2 bathroom home in rural 55+ manufactured home community. The home is completely and nicely furnished, and ready to move into. The golf cart comes with the home. This community is located on the largest lake in Polk County and is known for trophy Bass. This home is part of an optional share program which allows the use of all amenities this community offers. The down payment has been paid, which is a $2,400.00 value. $100 per month is all you pay to access everything. There are boat slips and a storage area, which are available at an additional cost on a first come basis. You can fish from the pier, launch your boat, swim in the heated pool, play cards, sing karaoke, enjoy potlucks and holiday dinners, and a lot more. A huge Florida room is great for enjoying your morning coffee, or entertaining. DON'T WAIT! THIS WILL BE GONE! If you're looking for a peaceful, serene setting, this is it.

29. 2006-03-20
    soldstatus $68,000
30. 2005-06-03
    soldstatus $48,500

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

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $1,600 · $133/mo
• Projected year-2 tax: $1,600 · $133/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,545
• − Mortgage interest: −$7,837
• − Property taxes: −$1,600
• − Insurance: −$700
• − Repairs & maintenance: −$1,404
• − Management: −$1,404
• − HOA: −$192
• − Depreciation: −$4,070
• Taxable income: $339
• Est. tax owed @ 24.0%: −$81
• After-tax cash flow: $2,483/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.

Schools (NCES district)

• District: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Indian Lake Estates

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Polk County · 740,051 people
• City population: 33
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 18,527
• Household income: $57,224
• Rent vs Own: 12.6% rent · 87.4% own
• Severe rent burden: 148.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 17% Two or more races 10% Black 6%
• Hispanic origin (detail): Mexican 6% Puerto Rican 4% Cuban 3%
• Common ancestry: Slovak 3% Lithuanian 2% Italian 2%
• Foreign-born: 9% · Canada
• Languages at home: 81% English-only · Spanish 17% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -60.62%
• Current HPI: 340.6056
• Rent YoY: —
• Metro: Lakeland-Winter Haven, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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

+188.5% since first listed

17 events — show timeline

• 2026-04-09 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-01-23 Price Changed $139,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-12 Listed $145,000 Stellar MLS as Distributed by MLS Grid
• 2024-02-19 Sold (Public Records) $138,300 Public Records
• 2024-02-09 Sold (MLS) $138,297 Stellar MLS as Distributed by MLS Grid
• 2024-02-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-11-21 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-11-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-11-08 Price Changed $149,900 Stellar MLS as Distributed by MLS Grid
• 2023-11-04 Listed $154,900 Stellar MLS as Distributed by MLS Grid
• 2023-03-16 Sold (Public Records) $130,000 Public Records
• 2023-03-14 Sold (MLS) $130,000 Stellar MLS as Distributed by MLS Grid
• 2023-01-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-01-12 Listed $142,900 Stellar MLS as Distributed by MLS Grid
• 2006-03-20 Sold (Public Records) $68,000 Public Records
• 2005-06-03 Sold (Public Records) $48,500 Public Records

Property tax history

+8.6%/yr

Latest (2025): $1,600 · -14.8% YoY. Source: county tax records.