2055 S Floral Ave #133 · Bartow, FL 33830

$183,000

2 bd · 2.0 ba · 1,568 sqft · Manufactured public records · 207 Days on market

Built 1984 4,861 sqft lot $105/mo HOA · 6% of rent

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Why this score? — see what drove the D 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 +13.4/30.0
• ARV discount +7.5/15.0
• 1% rule +4.6/10.0
• DSCR +4.0/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Large 2 Bedroom 2 Bath home lake front with beautiful lake view from the Family room overlooking the dock and concrete patio. Open living room and dining room concept with built in mirrored buffet. Master bedroom has two large mirrored walk in closets and double sink dressing area in master bath. Inside washer and dryer has been added but can be used in outside utility room if preferred. Active 55+ community with lots of activities and low HOA fees. You OWN the land. Close to shopping, hospitals and churches.

Key facts

• Dual walk-in closets
• Golf cart garage
• Built-in china hutch

Tags

• LUXURY VINYL PLANK FLOORING
• BREAKFAST BAR
• BUILT-IN CHINA HUTCH
• DUAL WALK-IN CLOSETS
• EN-SUITE BATHROOM
• GOLF CART GARAGE

Property features AI

Finance

• Other: Unfurnished; Directions: From the intersection of Hwy 60 and US 98 in Bartow, head south on Shumate Dr to Clower St. Take a right on Clower St, left on Floral Ave. Enter Floral Lakes community and follow signage to desired lot.
• Financial info: Total annual association fees $1,260; Lease restrictions apply
• HOA & community: Monthly HOA $105 (Clubhouse, Pool, Shuffleboard Court, Storage); Association approval required; Buyer approval required; Deed restrictions; Community mailbox; Golf carts allowed; Senior community; Pets allowed

Exterior

• Parking: Attached garage (1 car) with golf cart garage; 2-space carport
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Manufactured double-wide home; Single-story; Crawlspace foundation; Home faces north; Accessible approach with ramp; Located on a 0.11-acre (50 x 96) lot
• Construction: Metal frame construction; Vinyl siding; Metal roof; Built as a double wide manufactured home
• Exterior features: Storage; Asphalt road access; Lake frontage with 50 feet of waterfront; Fishing pier; Lake views and lake access

Interior

• Kitchen: Dishwasher; Range; Range hood; Refrigerator
• Bedrooms: 2 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heat; Central air conditioning
• Interior features: Built-in features; Ceiling fans; Eat-in kitchen; Walk-in closets
• Laundry & utility: Washer; Dryer; Inside laundry in a laundry closet; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $183k.

Deal economics

• At list price, monthly cash flow is $4 ($42/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $176k (3.9% below list).
• Recommended offer: $161k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 68/100 on livability (#526 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, crime D-, amenities F.
• 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.
• Zoned schools: Floral Avenue Elementary School (math 36% / reading 38%, grade F, #1,609 of 2,144 statewide, top 77%, 611 students, 56% FRL); Bartow Middle School (math 33% / reading 36%, grade F, #421 of 571 statewide, top 74%, 1,046 students, 63% FRL); Bartow Senior High School (math 26% / reading 46%, grade F, #359 of 667 statewide, top 55%, 2,125 students, 44% FRL).
• Market conditions: Rents rising (+2.7%/yr); 392 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 33% of the median local income ($64k/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 $1k of loan paydown is wiped out by about $5k 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 207 days — a 12% lower offer ($161k) is reasonable based on typical stale-listing flexibility.
• 10 sale attempts since 17y ago; this cycle's ask has dropped $16k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 5→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $161,040 (12.0% below list)

Questions for the listing agent

1. It's been on market 207 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. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
7. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
8. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
9. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
10. 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.
11. 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.
12. 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: 0.96% ✗
• Cap rate: 6.32%
• Cash-on-cash: 0.08%
• DSCR: 1.00
• GRM: 8.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.72% rent growth · sell at horizon

5-year hold

• IRR: -16.5%
• Equity multiple: 0.42×
• Total profit: $-29,824
• Equity at exit: $27,286

10-year hold

• IRR: -8.6%
• Equity multiple: 0.47×
• Total profit: $-27,289
• Equity at exit: $15,822

Cash invested: $51,240 (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 33830

• Home prices YoY: -19.8%
• Rents YoY: 2.7%
• Active inventory: 392
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,759 medium
• Mortgage (P&I): −$960
• Tax from tax record: −$245 /mo · $2,939/yr
• Insurance: −$76
• HOA: −$105
• Vacancy / Maint / Mgmt: −$369
• Net cashflow: $4

Break-even live

Break-even rent $1,754

Max offer price $183,000

Occupancy floor 95%

Sensitivity live

Price	-10% $107	-5% $55	+0% $4	+5% $-48	+10% $-100
Rent	-10% $-135	-5% $-66	+0% $4	+5% $73	+10% $142
Rate	-1.0pp $96	-0.5pp $50	base $4	+0.5pp $-44	+1.0pp $-92

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: $45,750
• Closing costs: $5,490
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
100 Laurel Cir Bartow, FL	2.0	2.5	1274	$1,740	$1.37	5d	10	0.60mi
820 S Floral Ave Bartow, FL	2.0	1.5	1112	$1,200	$1.08	25d	1	1.22mi

HOA detail

• Monthly dues: $105 · $1,260/yr

Listing history 42 events

1. 2026-06-10
   status $183,000 Pending 207 DOM
2. 2026-06-09
   days on market $183,000 Active 207 DOM
3. 2026-06-08
   days on market $183,000 Active 206 DOM
4. 2026-06-07
   days on market $183,000 Active 205 DOM
5. 2026-06-05
   days on market $183,000 Active 202 DOM
6. 2026-06-03
   days on market $183,000 Active 200 DOM
7. 2026-06-01
   days on market $183,000 Active 199 DOM
8. 2026-05-31
   days on market $183,000 Active 198 DOM
9. 2026-03-24
   status Active
10. 2026-03-24
    price $183,000
11. 2026-02-25
    historical
12. 2026-02-01
    status Active
13. 2026-01-25
    status Pending
14. 2026-01-20
    price $189,500
15. 2025-10-11
    listed $199,000 Active
16. 2022-05-03
    soldstatus $631,357
17. 2021-06-15
    historical
18. 2021-05-28
    price $110,000
19. 2021-05-11
    price $115,000
20. 2021-05-03
    status Active
21. 2021-04-28
    status Pending
22. 2021-04-01
    status Pending
23. 2021-03-13
    status Pending
24. 2021-03-04
    status Active
25. 2021-03-03
    status Pending
26. 2021-02-17
    price $118,000
27. 2021-02-08
    price $120,000
28. 2021-02-01
    listed $125,000 Active
29. 2019-02-07
    soldstatus $85,000
30. 2019-01-31
    soldstatus $85,000 Sold 514-char remark

    Show marketing remark (514 chars)

    Large 2 Bedroom 2 Bath home lake front with beautiful lake view from the Family room overlooking the dock and concrete patio. Open living room and dining room concept with built in mirrored buffet. Master bedroom has two large mirrored walk in closets and double sink dressing area in master bath. Inside washer and dryer has been added but can be used in outside utility room if preferred. Active 55+ community with lots of activities and low HOA fees. You OWN the land. Close to shopping, hospitals and churches.

31. 2018-12-12
    status Pending 514-char remark

    Show marketing remark (514 chars)

    Large 2 Bedroom 2 Bath home lake front with beautiful lake view from the Family room overlooking the dock and concrete patio. Open living room and dining room concept with built in mirrored buffet. Master bedroom has two large mirrored walk in closets and double sink dressing area in master bath. Inside washer and dryer has been added but can be used in outside utility room if preferred. Active 55+ community with lots of activities and low HOA fees. You OWN the land. Close to shopping, hospitals and churches.

32. 2018-12-07
    listed $85,000 Active 514-char remark

    Show marketing remark (514 chars)

    Large 2 Bedroom 2 Bath home lake front with beautiful lake view from the Family room overlooking the dock and concrete patio. Open living room and dining room concept with built in mirrored buffet. Master bedroom has two large mirrored walk in closets and double sink dressing area in master bath. Inside washer and dryer has been added but can be used in outside utility room if preferred. Active 55+ community with lots of activities and low HOA fees. You OWN the land. Close to shopping, hospitals and churches.

33. 2018-10-22
    soldstatus $75,000
34. 2018-10-16
    soldstatus $75,000 Sold
35. 2018-10-01
    status Pending
36. 2018-09-15
    listed $80,000 Active
37. 2011-06-20
    soldstatus $75,000
38. 2011-06-15
    soldstatus $75,000
39. 2011-01-06
    listed $87,000
40. 2010-07-01
    historical
41. 2009-12-01
    listed $89,900
42. 2006-12-08
    soldstatus $100,000

ⓘ 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: $2,939 · $245/mo
• Projected year-2 tax: $2,939 · $245/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 · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 8/10 Severe 5 d/yr ≥108°F today · 17 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,104
• − Mortgage interest: −$10,251
• − Property taxes: −$2,939
• − Insurance: −$915
• − Repairs & maintenance: −$1,688
• − Management: −$1,688
• − HOA: −$1,260
• − Depreciation: −$5,324
• Taxable loss: −$2,961
• Est. tax savings @ 24.0%: +$711
• After-tax cash flow: $753/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 — Bartow

• Score: 68/100
• State rank: #526
• US rank: #9835

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bartow, FL
• County: Polk County · 740,051 people
• City population: 33,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 33,740
• Household income: $63,918
• Rent vs Own: 31.1% rent · 68.9% own
• Severe rent burden: 681.0

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: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 55% Hispanic / Latino 22% Black 18% Two or more races 13% Asian 2%
• Hispanic origin (detail): Mexican 13% Puerto Rican 5%
• Common ancestry: Italian 3% Slovak 1% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1% Other Asian/Pacific 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: ▼ -82.47%
• Current HPI: 333.3392
• Rent YoY: ▲ 2.72%
• 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

+83.0% since first listed

34 events — show timeline

• 2026-03-24 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-24 Price Changed $183,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-25 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-02-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-20 Price Changed $189,500 Stellar MLS as Distributed by MLS Grid
• 2025-10-11 Listed $199,000 Stellar MLS as Distributed by MLS Grid
• 2022-05-03 Sold (Public Records) $631,357 Public Records
• 2021-06-15 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2021-05-28 Price Changed $110,000 Stellar MLS as Distributed by MLS Grid
• 2021-05-11 Price Changed $115,000 Stellar MLS as Distributed by MLS Grid
• 2021-05-03 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-04-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-04-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-03-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-03-04 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-03-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-02-17 Price Changed $118,000 Stellar MLS as Distributed by MLS Grid
• 2021-02-08 Price Changed $120,000 Stellar MLS as Distributed by MLS Grid
• 2021-02-01 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2019-02-07 Sold (Public Records) $85,000 Public Records
• 2019-01-31 Sold (MLS) $85,000 Stellar MLS as Distributed by MLS Grid
• 2018-12-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-12-07 Listed $85,000 Stellar MLS as Distributed by MLS Grid
• 2018-10-22 Sold (Public Records) $75,000 Public Records
• 2018-10-16 Sold (MLS) $75,000 Stellar MLS as Distributed by MLS Grid
• 2018-10-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-09-15 Listed $80,000 Stellar MLS as Distributed by MLS Grid
• 2011-06-20 Sold (Public Records) $75,000 Public Records
• 2011-06-15 Sold (MLS) $75,000 Stellar MLS as Distributed by MLS Grid
• 2011-01-06 Listed $87,000 Stellar MLS as Distributed by MLS Grid
• 2010-07-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2009-12-01 Listed $89,900 Stellar MLS as Distributed by MLS Grid
• 2006-12-08 Sold (Public Records) $100,000 Public Records

Property tax history

+13.5%/yr

Latest (2025): $2,939 · +4.0% YoY. Source: county tax records.