132 Holiday Park Blvd NE · Palm Bay, FL 32907

$140,000

2 bd · 2.0 ba · 896 sqft · Manufactured public records · 68 Days on market

Built 2005 4,792 sqft lot $5/mo HOA

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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 +24.4/30.0
• DSCR +7.9/10.0
• ARV discount +7.5/15.0
• 1% rule +7.0/10.0
• Schools +4.7/10.0
• Livability +3.6/5.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

WELL-KEPT, CLEAN & MOVE-IN READY! This 2BR/2BA home is a 16' wide singlewide featuring a split-bedroom plan. The living rm, dining area & kitchen are an open floor design, & the kitchen has lots of cabinets & counter space. Master bedrm has french doors that lead to the master bath. Laundry hook-up is just inside the door. One of the best features on the outside of this home is the extra wide driveway & carport allowing for plenty of space to open car doors & walk around vehicles. There is also accordion hurricane shutters, a large shed/workshop & no backyard neighbors. New roof 2 yrs ago, & A/C replaced about 8 yrs ago. Located in Holiday Park—an active 55+ manufactured home community—that offers 2 pools, a large clubhouse & NO LOT RENT! The land is owned! Mandatory Special Taxing District Fee is $2317 & is paid along with annual property taxes. This fee includes Cable TV, Internet, Lawn Mowing & full use of clubhouse & pools & numerous activities. Seller requests CASH ONLY offers.

Key facts

• Attached workshop
• Community pools
• 4,792 sq ft lot

Tags

• OVERSIZED SCREENED-IN PORCH
• ATTACHED WORKSHOP
• COMMUNITY POOLS
• RECREATIONAL FACILITIES

Property features AI

Finance

• Other: Unfurnished; Total monthly fees reported as $5
• Financial info: Other annual assessment: $2,910; Total annual taxes: $3,007.70; Lease restrictions apply
• HOA & community: Has HOA with a $5 monthly fee (optional); Association amenities: clubhouse, pool, recreational facilities, basketball court, shuffleboard court, cable TV, laundry, maintenance; Buyer/association approval required; Senior community; Pets allowed; Deed restrictions; Golf carts permitted; Association provides 24-hour guard, cable TV, pool, internet, and recreational facilities

Exterior

• Parking: Covered parking; Carport (1 space); Garage with workshop
• Security: Gated community (association amenity); 24-hour guard included in HOA
• Utilities: Public water; Public sewer; Cable connected; Electricity connected; Water connected; Sewer connected
• Home design: Manufactured single-wide home; One story; Faces west; Entry on one level
• Construction: Metal siding; Vinyl siding; Frame construction; Shingle roof; Pillar/post/pier foundation; Built as a manufactured home
• Exterior features: Hurricane shutters; Exterior lighting; Storage

Interior

• Kitchen: Other appliances
• Bedrooms: 2 bedrooms
• Flooring: Vinyl flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Living room and dining room combined; Split bedroom floorplan
• Laundry & utility: Inside laundry

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 $284 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $132k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#366 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D+, amenities F, health & safety D-.
• Brevard (suburban): math 53% / reading 57% proficiency, ranked #19 of 73 in FL (top 26%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Lockmar Elementary School (math 45% / reading 53%, grade D, #1,134 of 2,144 statewide, top 54%, 583 students, 58% FRL); Southwest Middle School (math 40% / reading 39%, grade F, #373 of 571 statewide, top 66%, 920 students, 58% FRL); Palm Bay Magnet Senior High School (math 25% / reading 37%, grade F, #429 of 667 statewide, top 65%, 1,486 students, 63% FRL) — zoned schools average 60% FRL vs 43% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 40% at this address vs 55% district-wide (-15 pts) — the specific schools serving this property underperform the Brevard average; the district grade overstates school quality for this exact location.
• Market conditions: Rents flat; 750 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 4,602 units permitted in Brevard County in 2024 (702 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $968 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Brevard County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 68 days — a 6% lower offer ($132k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 16y 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; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $131,600 (6.0% below list)

Questions for the listing agent

1. It's been on market 68 days. Have you received any prior offers? Is the seller open to a 6% 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. 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.
6. 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.
7. 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: 1.20% ✓
• Cap rate: 8.73%
• Cash-on-cash: 8.69%
• DSCR: 1.39
• GRM: 6.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.93% rent growth · sell at horizon

5-year hold

• IRR: -5.6%
• Equity multiple: 0.80×
• Total profit: $-7,964
• Equity at exit: $20,874

10-year hold

• IRR: 1.2%
• Equity multiple: 1.08×
• Total profit: $3,114
• Equity at exit: $12,105

Cash invested: $39,200 (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 32907

• Home prices YoY: -10.1%
• Rents YoY: 0.9%
• Active inventory: 750
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,686 high
• Mortgage (P&I): −$734
• Tax from tax record: −$251 /mo · $3,008/yr
• Insurance: −$58
• HOA: −$5
• Vacancy / Maint / Mgmt: −$354
• Net cashflow: $284

Break-even live

Break-even rent $1,327

Max offer price $140,000

Occupancy floor 78%

Sensitivity live

Price	-10% $363	-5% $324	+0% $284	+5% $244	+10% $205
Rent	-10% $151	-5% $217	+0% $284	+5% $351	+10% $417
Rate	-1.0pp $354	-0.5pp $320	base $284	+0.5pp $248	+1.0pp $211

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
205 Valor Dr SE Palm Bay, FL	1.0–2.0	1.0–2.0	901	$1,937	$2.15	16d	17	0.57mi
331 Holiday Park Blvd NE Palm Bay, FL	2.0	2.0	920	$1,350	$1.47	25d	1	0.74mi
84 San Filippo Dr SE Palm Bay, FL	1.0–3.0	1.0–2.0	1052	$1,702	$1.62	16d	30	0.92mi
2181 Agora Cir SE Unit 206 Palm Bay, FL	2.0	1.0	850	$1,395	$1.64	25d	1	1.12mi
2041 Agora Cir SE Unit 2041-3 Palm Bay, FL	2.0	1.5	1025	$1,450	$1.41	20d	1	1.31mi
1870 Agora Cir SE #202 Palm Bay, FL	2.0	1.0	875	$1,375	$1.57	25d	1	1.35mi
1205 Jaslo St SE Palm Bay, FL	1.0–3.0	1.0–2.0	992	$1,888	$1.90	16d	8	1.36mi
461 Ellington Ave SE Palm Bay, FL	2.0	2.0	1040	$1,595	$1.53	25d	1	1.38mi
1884 Agora Cir SE Unit 203 Palm Bay, FL	2.0	1.0	875	$1,375	$1.57	25d	1	1.39mi
1984 Agora Cir SE #104 Palm Bay, FL	2.0	2.0	784	$1,440	$1.84	16d	1	1.42mi
440 Mercury Ave SE Apt E Palm Bay, FL	2.0	1.0	900	$1,250	$1.39	23d	1	1.43mi
1635 Par St NE Unit 2103 Palm Bay, FL	2.0	2.0	1025	$2,100	$2.05	25d	1	1.44mi
1605 Par St NE Unit 3102 Palm Bay, FL	2.0	2.0	1025	$2,100	$2.05	25d	1	1.46mi
1961 Convair St SE #102 Palm Bay, FL	1.0	1.0	650	$1,100	$1.69	25d	1	1.46mi
1895 Convair St SE Unit 2202 Palm Bay, FL	2.0	1.0	950	$1,300	$1.37	25d	1	1.48mi
499 Thor Ave SE #3 Palm Bay, FL	2.0	1.0	850	$1,275	$1.50	25d	1	1.49mi
1625 Par St NE Unit 1104 Palm Bay, FL	2.0	2.0	1025	$2,100	$2.05	25d	1	1.49mi
1625 Par St NE Unit 1107 Palm Bay, FL	2.0	2.0	1025	$1,875	$1.83	25d	1	1.49mi

HOA detail

• Monthly dues: $5 · $60/yr
• Likely covers: internetcablepool

Listing history 25 events

1. 2026-06-22
   days on market $140,000 Active 68 DOM
2. 2026-06-18
   days on market $140,000 Active 65 DOM
3. 2026-06-17
   days on market $140,000 Active 64 DOM
4. 2026-06-16
   days on market $140,000 Active 63 DOM
5. 2026-06-15
   days on market $140,000 Active 62 DOM
6. 2026-06-14
   days on market $140,000 Active 60 DOM
7. 2026-06-10
   days on market $140,000 Active 57 DOM
8. 2026-06-08
   days on market $140,000 Active 55 DOM
9. 2026-06-07
   days on market $140,000 Active 54 DOM
10. 2026-06-05
    days on market $140,000 Active 51 DOM
11. 2026-06-03
    days on market $140,000 Active 50 DOM
12. 2026-06-02
    days on market $140,000 Active 49 DOM
13. 2026-06-01
    days on market $140,000 Active 48 DOM
14. 2026-05-31
    days on market $140,000 Active 47 DOM
15. 2026-05-31
    days on market $140,000 Active 46 DOM
16. 2026-04-14
    listed $140,000 Active
17. 2024-10-16
    soldstatus $145,000 Closed 1085-char remark

    Show marketing remark (1085 chars)

    WELL-KEPT, CLEAN & MOVE-IN READY! This 2BR/2BA home is a 16' wide singlewide featuring a split-bedroom plan. The living rm, dining area & kitchen are an open floor design, & the kitchen has lots of cabinets & counter space. Master bedrm has french doors that lead to the master bath. Laundry hook-up is just inside the door. One of the best features on the outside of this home is the extra wide driveway & carport allowing for plenty of space to open car doors & walk around vehicles. There is also accordion hurricane shutters, a large shed/workshop & no backyard neighbors. New roof 2 yrs ago, & A/C replaced about 8 yrs ago. Located in Holiday Park—an active 55+ manufactured home community—that offers 2 pools, a large clubhouse & NO LOT RENT! The land is owned! Mandatory Special Taxing District Fee is $2317 & is paid along with annual property taxes. This fee includes Cable TV, Internet, Lawn Mowing & full use of clubhouse & pools & numerous activities. Seller requests CASH ONLY offers.

18. 2024-10-16
    soldstatus $145,000

    Show marketing remark (1085 chars)

    WELL-KEPT, CLEAN & MOVE-IN READY! This 2BR/2BA home is a 16' wide singlewide featuring a split-bedroom plan. The living rm, dining area & kitchen are an open floor design, & the kitchen has lots of cabinets & counter space. Master bedrm has french doors that lead to the master bath. Laundry hook-up is just inside the door. One of the best features on the outside of this home is the extra wide driveway & carport allowing for plenty of space to open car doors & walk around vehicles. There is also accordion hurricane shutters, a large shed/workshop & no backyard neighbors. New roof 2 yrs ago, & A/C replaced about 8 yrs ago. Located in Holiday Park—an active 55+ manufactured home community—that offers 2 pools, a large clubhouse & NO LOT RENT! The land is owned! Mandatory Special Taxing District Fee is $2317 & is paid along with annual property taxes. This fee includes Cable TV, Internet, Lawn Mowing & full use of clubhouse & pools & numerous activities. Seller requests CASH ONLY offers.

19. 2024-09-22
    status Pending 1085-char remark

    Show marketing remark (1085 chars)

    WELL-KEPT, CLEAN & MOVE-IN READY! This 2BR/2BA home is a 16' wide singlewide featuring a split-bedroom plan. The living rm, dining area & kitchen are an open floor design, & the kitchen has lots of cabinets & counter space. Master bedrm has french doors that lead to the master bath. Laundry hook-up is just inside the door. One of the best features on the outside of this home is the extra wide driveway & carport allowing for plenty of space to open car doors & walk around vehicles. There is also accordion hurricane shutters, a large shed/workshop & no backyard neighbors. New roof 2 yrs ago, & A/C replaced about 8 yrs ago. Located in Holiday Park—an active 55+ manufactured home community—that offers 2 pools, a large clubhouse & NO LOT RENT! The land is owned! Mandatory Special Taxing District Fee is $2317 & is paid along with annual property taxes. This fee includes Cable TV, Internet, Lawn Mowing & full use of clubhouse & pools & numerous activities. Seller requests CASH ONLY offers.

20. 2024-09-18
    price $149,000 1085-char remark

    Show marketing remark (1085 chars)

    WELL-KEPT, CLEAN & MOVE-IN READY! This 2BR/2BA home is a 16' wide singlewide featuring a split-bedroom plan. The living rm, dining area & kitchen are an open floor design, & the kitchen has lots of cabinets & counter space. Master bedrm has french doors that lead to the master bath. Laundry hook-up is just inside the door. One of the best features on the outside of this home is the extra wide driveway & carport allowing for plenty of space to open car doors & walk around vehicles. There is also accordion hurricane shutters, a large shed/workshop & no backyard neighbors. New roof 2 yrs ago, & A/C replaced about 8 yrs ago. Located in Holiday Park—an active 55+ manufactured home community—that offers 2 pools, a large clubhouse & NO LOT RENT! The land is owned! Mandatory Special Taxing District Fee is $2317 & is paid along with annual property taxes. This fee includes Cable TV, Internet, Lawn Mowing & full use of clubhouse & pools & numerous activities. Seller requests CASH ONLY offers.

21. 2024-04-26
    listed $159,000 Active 1085-char remark

    Show marketing remark (1085 chars)

    WELL-KEPT, CLEAN & MOVE-IN READY! This 2BR/2BA home is a 16' wide singlewide featuring a split-bedroom plan. The living rm, dining area & kitchen are an open floor design, & the kitchen has lots of cabinets & counter space. Master bedrm has french doors that lead to the master bath. Laundry hook-up is just inside the door. One of the best features on the outside of this home is the extra wide driveway & carport allowing for plenty of space to open car doors & walk around vehicles. There is also accordion hurricane shutters, a large shed/workshop & no backyard neighbors. New roof 2 yrs ago, & A/C replaced about 8 yrs ago. Located in Holiday Park—an active 55+ manufactured home community—that offers 2 pools, a large clubhouse & NO LOT RENT! The land is owned! Mandatory Special Taxing District Fee is $2317 & is paid along with annual property taxes. This fee includes Cable TV, Internet, Lawn Mowing & full use of clubhouse & pools & numerous activities. Seller requests CASH ONLY offers.

22. 2011-07-27
    soldstatus $54,000
23. 2011-07-22
    soldstatus $54,000 500-char remark

    Show marketing remark (500 chars)

    STILL LOOKS AND SMELLS BRAND NEW! This 2BR/2BA home finished in 2005-2006 seems hardly lived in. Plus, this home comes completely furnished and includes all appliances--even washer & dryer! The kitchen has plenty of cabinets and counter space and has a dishwasher. Master bedroom has french doors that lead into the master bath. Laundry room is inside. Outside is an oversized driveway and a great shed/workshop! Located in a wonderful gated 55+ manufactured home community called Holiday Park.

24. 2010-04-15
    listed $59,000 500-char remark

    Show marketing remark (500 chars)

    STILL LOOKS AND SMELLS BRAND NEW! This 2BR/2BA home finished in 2005-2006 seems hardly lived in. Plus, this home comes completely furnished and includes all appliances--even washer & dryer! The kitchen has plenty of cabinets and counter space and has a dishwasher. Master bedroom has french doors that lead into the master bath. Laundry room is inside. Outside is an oversized driveway and a great shed/workshop! Located in a wonderful gated 55+ manufactured home community called Holiday Park.

25. 1973-06-01
    soldstatus $14,600

ⓘ 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: $3,008 · $251/mo
• Projected year-2 tax: $3,008 · $251/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 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥106°F today · 21 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $20,235
• − Mortgage interest: −$7,842
• − Property taxes: −$3,008
• − Insurance: −$700
• − Repairs & maintenance: −$1,619
• − Management: −$1,619
• − HOA: −$60
• − Depreciation: −$4,073
• Taxable income: $1,315
• Est. tax owed @ 24.0%: −$316
• After-tax cash flow: $3,092/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: Brevard
• NCES district ID: 1200150
• Math proficiency: 53% ▼ -9.00%
• Reading proficiency: 57% ▼ -4.00%
• Median HH income: $49,426
• Composite: 46.86/100
• National rank: #2370
• State rank: #19 of 73 in FL

Livability — Palm Bay

• Score: 72/100
• State rank: #366
• US rank: #6458

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Palm Bay, FL
• County: Brevard County · 602,871 people
• City population: 132,211
• Metro: Palm Bay-Melbourne-Titusville, FL
• Population (ZIP): 49,080
• Household income: $75,311
• Rent vs Own: 13.3% rent · 86.7% own
• Severe rent burden: 702.0

Population outlook (Brevard County) Hauer SSP2

• Today (2025): 623,254 people
• By 2030: 648,420 · +4.0%
• By 2040: 690,009 · +10.7%
• By 2050: 715,669 · +14.8%
• By 2075: 775,744 · +24.5%
• By 2100: 776,687 · +24.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 56% Hispanic / Latino 21% Black 15% Two or more races 14% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 9% Cuban 2% Dominican 3%
• Common ancestry: Romanian 2% Lithuanian 2% Hispanic 2%
• Foreign-born: 16% · Canada, Jamaica
• Languages at home: 77% English-only · Spanish 17% French/Haitian/Cajun 2% Other Indo-European 1%

Political lean MEDSL · Brevard

• 2024 margin: Strong R (+20.8) · D 39.1% · R 59.9% · Other 1.0%
• 2008→2024 swing: -10.4pp toward R · 2008: -10.4pp · 2024: -20.8pp
• All cycles: 2024: R+20.8 2020: R+16.4 2016: R+19.8 2012: R+12.7 2008: R+10.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -34.79%
• Current HPI: 308.9719
• Rent YoY: ▲ 0.93%
• Metro: Palm Bay-Melbourne-Titusville, 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

+858.9% since first listed

10 events — show timeline

• 2026-04-14 Listed $140,000 Stellar MLS as Distributed by MLS Grid
• 2024-10-16 Sold (Public Records) $145,000 Public Records
• 2024-10-16 Sold (MLS) $145,000 SCMLS
• 2024-09-22 Pending — SCMLS
• 2024-09-18 Price Changed $149,000 SCMLS
• 2024-04-26 Listed $159,000 SCMLS
• 2011-07-27 Sold (Public Records) $54,000 Public Records
• 2011-07-22 Sold (MLS) $54,000 SCMLS
• 2010-04-15 Listed $59,000 SCMLS
• 1973-06-01 Sold (Public Records) $14,600 Public Records

Property tax history

+2.0%/yr

Latest (2025): $3,008 · +1.3% YoY. Source: county tax records.