9590 NE 78th Ln · East Bronson, FL 32621

$115,000

3 bd · 2.0 ba · 1,152 sqft · Manufactured public records · 23 Days on market

Built 1999 1.25 ac lot Est $139k · 17% under

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Why this score? — see what drove the A- 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
• DSCR +10.0/10.0
• 1% rule +8.9/10.0
• Appreciation +6.2/10.0
• Schools +3.6/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

Key facts

• 1.25 acre lot
• Built 1999
• Listed 23 days

Property features AI

Finance

• Other: Homestead exempt
• Financial info:
• HOA & community: Located in the University Estates development; No homeowners association (per listing)

Exterior

• Parking:
• Security:
• Utilities: Well water; Septic tank; Electricity available
• Home design: Manufactured double-wide home; One level; Home faces north
• Construction: Vinyl siding; Metal roof; Crawlspace foundation; Built as a double wide (manufactured)
• Exterior features: Deck; Patio; Cleared lot

Interior

• Kitchen: No appliances included
• Bedrooms: 3 bedrooms
• Flooring: Laminate flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Open floor plan
• Laundry & utility: Laundry room inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $115k.

Deal economics

• At list price, monthly cash flow is $487 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $115k).
• Recommended offer: $113k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.4% vs local median 3.4% in East Bronson — 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 62/100 on livability (#768 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety D, schools F, amenities F.
• Levy (rural): math 45% / reading 43% proficiency, ranked #54 of 73 in FL (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 153 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 199 units permitted in Levy County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $3k of equity ($795 loan paydown + $3k appreciation (2.4% local appreciation)).
• Levy County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.4% appreciation + 3.0% rent growth), your $32k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 10, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 23 days — a 2% lower offer ($113k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 5y 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; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $113,275 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
3. 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.
4. 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.
5. 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: 1.39% ✓
• Cap rate: 11.38%
• Cash-on-cash: 18.16%
• DSCR: 1.81
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $139,392
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7551 NE 97th Ct	0.37mi	3/2.0	1,152 (0%)	8mo	$139,000	$121	76

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

Projected returns pro-forma

2.35% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 23.2%
• Equity multiple: 2.27×
• Total profit: $40,980
• Equity at exit: $47,537

10-year hold

• IRR: 24.7%
• Equity multiple: 4.34×
• Total profit: $107,430
• Equity at exit: $70,169

Cash invested: $32,200 (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 32621

• Home prices YoY: 0.7%
• Active inventory: 153
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $1,595 medium
• Mortgage (P&I): −$603
• Tax from tax record: −$122 /mo · $1,461/yr
• Insurance: −$48
• HOA: −$0
• Vacancy / Maint / Mgmt: −$335
• Net cashflow: $487

Break-even live

Break-even rent $978

Max offer price $115,000

Occupancy floor 64%

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10230 NE 72nd St Bronson, FL	3.0	2.0	1071	$1,595	$1.49	21d	1	0.95mi

Listing history 15 events

1. 2026-05-30
   status $115,000 Pending 23 DOM
2. 2026-05-06
   listed $115,000 Active
3. 2023-03-30
   historical 454-char remark

   Show marketing remark (454 chars)

   Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

4. 2023-03-30
   soldstatus $170,000 Closed 454-char remark

   Show marketing remark (454 chars)

   Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

5. 2023-02-01
   status Pending 454-char remark

   Show marketing remark (454 chars)

   Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

6. 2023-01-04
   price $174,000 454-char remark

   Show marketing remark (454 chars)

   Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

7. 2022-12-19
   price $179,000 454-char remark

   Show marketing remark (454 chars)

   Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

8. 2022-12-02
   price $183,000 454-char remark

   Show marketing remark (454 chars)

   Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

9. 2022-11-17
   price $184,500 454-char remark

   Show marketing remark (454 chars)

   Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

10. 2022-11-09
    status Active 454-char remark

    Show marketing remark (454 chars)

    Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

11. 2022-10-10
    status Pending 454-char remark

    Show marketing remark (454 chars)

    Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

12. 2022-10-02
    price $189,500 454-char remark

    Show marketing remark (454 chars)

    Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

13. 2022-09-15
    listed $195,500 Active 454-char remark

    Show marketing remark (454 chars)

    Check out this fully remodeled- from TOP to BOTTOM- manufactured home! If you are ready for the heart of country living for an affordable price, you are looking at exactly that- this beautiful manufactured home laid out on a little over an acre! Just a 30 minute drive away from Celebration Pointe, Archer Rd shopping plazas, and 75! NO HOA! Also a GREAT potential investment for those looking to rent out on the countryside. Text agent for showing!!!

14. 2022-01-10
    soldstatus $27,500 426-char remark

    Show marketing remark (426 chars)

    Excellent opportunity here in Bronson. .. .this 1.25 acre tract has a well and septic and disconnected power pole. The County told the seller that impact fees will not be required. There is no HOA or subdivision restrictions so a manufactured or site built home would be suitable for the lot. Located not too from from schools, shopping and local restaurants and is an easy commute into Ocala or Gainesville. Take a look soon!

15. 2021-11-10
    listed $29,900 426-char remark

    Show marketing remark (426 chars)

    Excellent opportunity here in Bronson. .. .this 1.25 acre tract has a well and septic and disconnected power pole. The County told the seller that impact fees will not be required. There is no HOA or subdivision restrictions so a manufactured or site built home would be suitable for the lot. Located not too from from schools, shopping and local restaurants and is an easy commute into Ocala or Gainesville. Take a look soon!

ⓘ 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: $1,461 · $122/mo
• Projected year-2 tax: $1,461 · $122/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,140
• − Mortgage interest: −$6,442
• − Property taxes: −$1,461
• − Insurance: −$575
• − Repairs & maintenance: −$1,531
• − Management: −$1,531
• − Depreciation: −$3,345
• Taxable income: $4,254
• Est. tax owed @ 24.0%: −$1,021
• After-tax cash flow: $4,827/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: Levy
• NCES district ID: 1201140
• Math proficiency: 45% ▼ -8.00%
• Reading proficiency: 43% ▼ -3.00%
• Median HH income: $35,254
• Composite: 36.42/100
• National rank: #4673
• State rank: #54 of 73 in FL

Livability — East Bronson

• Score: 62/100
• State rank: #768
• US rank: #17230

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: East Bronson, FL
• Population (ZIP): 5,540

Population outlook (Levy County) Hauer SSP2

• Today (2025): 36,536 people
• By 2030: 34,498 · -5.6%
• By 2040: 30,294 · -17.1%
• By 2050: 26,368 · -27.8%
• By 2075: 19,003 · -48.0%
• By 2100: 13,169 · -64.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (68%)
• Race & ethnicity: White 68% Hispanic / Latino 14% Black 9% Two or more races 9% Asian 3%
• Hispanic origin (detail): Mexican 4% Puerto Rican 6% Cuban 1%
• Common ancestry: Romanian 2% Lithuanian 2% Serbian 1%
• Foreign-born: 4% · Canada, Jamaica
• Languages at home: 91% English-only · Spanish 8%

Political lean MEDSL · Levy

• 2024 margin: Solid R (+50.3) · D 24.6% · R 74.8%
• 2008→2024 swing: -23.3pp toward R · 2008: -26.9pp · 2024: -50.3pp
• All cycles: 2024: R+50.3 2020: R+45.6 2016: R+44.8 2012: R+32.2 2008: R+26.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.35%
• Current HPI: 340.879
• Rent YoY: —
• Metro: —
• 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

+284.6% since first listed

14 events — show timeline

• 2026-05-06 Listed $115,000 Stellar MLS as Distributed by MLS Grid
• 2023-03-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2023-03-30 Sold (MLS) $170,000 Stellar MLS as Distributed by MLS Grid
• 2023-02-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-01-04 Price Changed $174,000 Stellar MLS as Distributed by MLS Grid
• 2022-12-19 Price Changed $179,000 Stellar MLS as Distributed by MLS Grid
• 2022-12-02 Price Changed $183,000 Stellar MLS as Distributed by MLS Grid
• 2022-11-17 Price Changed $184,500 Stellar MLS as Distributed by MLS Grid
• 2022-11-09 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-10-10 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-10-02 Price Changed $189,500 Stellar MLS as Distributed by MLS Grid
• 2022-09-15 Listed $195,500 Stellar MLS as Distributed by MLS Grid
• 2022-01-10 Sold (MLS) $27,500 DGLMLS
• 2021-11-10 Listed $29,900 DGLMLS

Property tax history

+3.4%/yr

Latest (2025): $1,461 · +18.5% YoY. Source: county tax records.