13305 Miami St · Hudson, FL 34667

$129,900

2 bd · 2.0 ba · 798 sqft · Manufactured public records · 204 Days on market

Built 2015 5,500 sqft lot Est $166k · 22% under

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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
• DSCR +10.0/10.0
• 1% rule +8.3/10.0
• Schools +4.3/10.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great lot with many possibilities in West Pasco County, FL. Close to everything; shopping, beaches, attractions. Fully fenced property is ready for your home, mobile home, or even your RV! 200 amp electric service already in place, county water already metered on property, and septic hook ups at your disposal!! (little joke there…. ) Concrete parking pads, dual driveways, and large workshop/shed with security lighting gives even more value. Perfect for snowbird, RVer, or year round resident.

Key facts

• No lot rent
• Split bedroom plan
• No hoa

Tags

• MOBILE ON YOUR OWN LAND
• NO HOA
• NO LOT RENT
• SPLIT BEDROOM PLAN
• DURABLE PLANK FLOORING
• EASY CARE VINYL SIDING

Property features AI

Finance

• Other: Lot approximately 0.13 acre (about 0 to less than 1/4 acre); Asphalt road access; Irrigation equipment present; No waterfront; No community development district (CDD); Zoning: R1MH

Exterior

• Utilities: Public water; Septic tank sewer; Electricity connected
• Home design: Manufactured single-wide home; One story; East-facing
• Construction: Vinyl siding; Shingle roof; Crawlspace foundation; Built on a single level
• Exterior features: Storage

Interior

• Kitchen: Range; Range hood
• Bedrooms: 2 bedrooms
• Flooring: Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Open floorplan; Split bedroom layout
• Laundry & utility: 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 $130k.

Deal economics

• At list price, monthly cash flow is $517 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $130k).
• Recommended offer: $114k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.1% vs local median 3.3% in Hudson — 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 74/100 on livability (#289 in FL, #4,856 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities D, employment D, commute F.
• Pasco (suburban): math 50% / reading 52% proficiency, ranked #32 of 73 in FL (top 44%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Hudson Academy (math 35% / reading 30%, grade F, #443 of 571 statewide, top 78%, 964 students, 80% FRL); Fivay High School (math 20% / reading 28%, grade F, #529 of 667 statewide, top 80%, 1,610 students, 78% FRL) — zoned schools average 79% FRL vs 48% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 28% at this address vs 51% district-wide (-23 pts) — the specific schools serving this property underperform the Pasco average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-2.3%/yr); 800 active listings in the ZIP; 20 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $898 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Pasco County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $36k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 204 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 11y ago; this cycle's ask has dropped $40k (24%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $13k; list at $130k implies a 899% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; major 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 $114,312 (12.0% below list)

Questions for the listing agent

1. It's been on market 204 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are D-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.33% ✓
• Cap rate: 11.07%
• Cash-on-cash: 17.06%
• DSCR: 1.76
• GRM: 6.3

CMA / ARV

• ARV (on-the-fly): $165,984
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13024 Dania St	0.32mi	2/2.0	840 (+5%)	7mo	$175,000	$208	70
7135 Florestate Dr	0.16mi	2/2.0	910 (+14%)	10mo	$85,000	$93	60
6836 Osprey Ln	0.49mi	2/2.0	864 (+8%)	9mo	$220,000	$255	56
13001 Dania St	0.38mi	3/2.0 (+1)	720 (-10%)	11mo	$45,000	$63	52

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 5.0%
• Equity multiple: 1.19×
• Total profit: $6,807
• Equity at exit: $19,369

10-year hold

• IRR: 11.6%
• Equity multiple: 1.79×
• Total profit: $28,721
• Equity at exit: $11,231

Cash invested: $36,372 (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 34667

• Rents YoY: -2.3%
• Active inventory: 800
• Price-to-rent: 6.3×

Monthly cashflow live

• Estimated rent: $1,730 high
• Mortgage (P&I): −$681
• Tax from tax record: −$115 /mo · $1,376/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$363
• Net cashflow: $517

Break-even live

Break-even rent $1,076

Max offer price $129,900

Occupancy floor 65%

Sensitivity live

Price	-10% $591	-5% $554	+0% $517	+5% $480	+10% $444
Rent	-10% $380	-5% $449	+0% $517	+5% $585	+10% $654
Rate	-1.0pp $582	-0.5pp $550	base $517	+0.5pp $483	+1.0pp $449

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: $32,475
• Closing costs: $3,897
• Reserves months: —
• Total cash needed: —

Rent comps 20 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13113 Bartow St Hudson, FL	2.0	1.0	528	$1,190	$2.25	26d	1	0.34mi
7300 Country Club Dr Hudson, FL	2.0	1.0	926	$1,400	$1.51	4d	1	0.47mi
12809 College Hill Dr Hudson, FL	3.0	2.0	1114	$1,780	$1.60	6d	1	0.51mi
12702 Social Dr Hudson, FL	2.0	1.0	1032	$1,500	$1.45	6d	1	0.64mi
13315 Neptune Dr Hudson, FL	2.0	1.0	900	$2,000	$2.22	26d	1	0.72mi
7433 Greystone Dr #7433 Hudson, FL	2.0	2.0	1029	$1,300	$1.26	19d	1	0.73mi
13617 Frances Ave Hudson, FL	2.0	1.0	1025	$1,850	$1.80	16d	1	0.74mi
13128 Beacon Ct Hudson, FL	2.0	2.0	1070	$1,600	$1.50	26d	1	0.82mi
7602 Danube Dr Unit 7602 Hudson, FL	2.0	2.0	1125	$1,600	$1.42	26d	1	1.02mi
7616 Danube Dr Hudson, FL	2.0	2.0	1125	$1,350	$1.20	26d	1	1.03mi
8304 Mill Creek Ln Hudson, FL	2.0	2.0	1000	$1,650	$1.65	26d	1	1.30mi
12041 Hoosier Ct #204 Hudson, FL	2.0	2.0	1103	$1,495	$1.36	26d	1	1.30mi
12041 Hoosier Ct #204 Hudson, FL	2.0	2.0	1103	$1,495	$1.36	19d	1	1.30mi
12027 Hoosier Ct #203 Hudson, FL	2.0	2.0	1103	$1,550	$1.41	26d	1	1.33mi
6105 Sea Ranch Dr Unit 1545766P Hudson, FL	2.0	2.0	947	$2,322	$2.45	16d	1	1.33mi
6009 Sea Ranch Dr #704 Hudson, FL	1.0	1.0	733	$1,800	$2.46	26d	1	1.40mi
6009 Sea Ranch Dr #707 Hudson, FL	2.0	2.0	950	$2,300	$2.42	26d	1	1.42mi
6009 Sea Ranch Dr #208 Hudson, FL	2.0	2.0	950	$2,150	$2.26	26d	1	1.42mi
6009 Sea Ranch Dr #108 Hudson, FL	2.0	2.0	950	$2,500	$2.63	26d	1	1.42mi
7035 McCray Dr Hudson, FL	2.0	2.0	980	$2,100	$2.14	19d	1	1.45mi

Listing history 9 events

1. 2026-05-11
   status Pending
2. 2026-04-26
   status Active
3. 2026-04-22
   status Pending
4. 2026-03-31
   price $129,900
5. 2025-11-04
   price $154,900
6. 2025-10-15
   listed $169,900 Active
7. 2015-04-24
   soldstatus $13,000 Sold 506-char remark

   Show marketing remark (506 chars)

   Great lot with many possibilities in West Pasco County, FL. Close to everything; shopping, beaches, attractions. Fully fenced property is ready for your home, mobile home, or even your RV! 200 amp electric service already in place, county water already metered on property, and septic hook ups at your disposal!! (little joke there…. ) Concrete parking pads, dual driveways, and large workshop/shed with security lighting gives even more value. Perfect for snowbird, RVer, or year round resident.

8. 2015-04-16
   status Pending 506-char remark

   Show marketing remark (506 chars)

   Great lot with many possibilities in West Pasco County, FL. Close to everything; shopping, beaches, attractions. Fully fenced property is ready for your home, mobile home, or even your RV! 200 amp electric service already in place, county water already metered on property, and septic hook ups at your disposal!! (little joke there…. ) Concrete parking pads, dual driveways, and large workshop/shed with security lighting gives even more value. Perfect for snowbird, RVer, or year round resident.

9. 2015-02-12
   listed $16,000 Active 506-char remark

   Show marketing remark (506 chars)

   Great lot with many possibilities in West Pasco County, FL. Close to everything; shopping, beaches, attractions. Fully fenced property is ready for your home, mobile home, or even your RV! 200 amp electric service already in place, county water already metered on property, and septic hook ups at your disposal!! (little joke there…. ) Concrete parking pads, dual driveways, and large workshop/shed with security lighting gives even more value. Perfect for snowbird, RVer, or year round resident.

ⓘ 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: $1,376 · $115/mo
• Projected year-2 tax: $1,376 · $115/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 6/10 Major FEMA zone X (shaded) · 70% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥114°F today · 23 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $20,765
• − Mortgage interest: −$7,276
• − Property taxes: −$1,376
• − Insurance: −$650
• − Repairs & maintenance: −$1,661
• − Management: −$1,661
• − Depreciation: −$3,779
• Taxable income: $4,362
• Est. tax owed @ 24.0%: −$1,047
• After-tax cash flow: $5,158/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: Pasco
• NCES district ID: 1201530
• Math proficiency: 50% ▼ -10.00%
• Reading proficiency: 52% ▼ -5.00%
• Median HH income: $45,039
• Composite: 43.14/100
• National rank: #3074
• State rank: #32 of 73 in FL

Livability — Hudson

• Score: 74/100
• State rank: #289
• US rank: #4856

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hudson, FL
• County: Pasco County · 524,098 people
• City population: 45,307
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 30,689
• Household income: $51,280
• Rent vs Own: 23.0% rent · 77.0% own
• Severe rent burden: 946.0

Population outlook (Pasco County) Hauer SSP2

• Today (2025): 570,045 people
• By 2030: 605,844 · +6.3%
• By 2040: 674,806 · +18.4%
• By 2050: 736,022 · +29.1%
• By 2075: 862,900 · +51.4%
• By 2100: 906,364 · +59.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 7% Two or more races 6% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 7% · Canada, Jamaica, Vietnam
• Languages at home: 91% English-only · Spanish 5% Other Indo-European 2% French/Haitian/Cajun 0%

Political lean MEDSL · Pasco

• 2024 margin: Strong R (+25.2) · D 36.9% · R 62.1% · Other 1.0%
• 2008→2024 swing: -21.6pp toward R · 2008: -3.6pp · 2024: -25.2pp
• All cycles: 2024: R+25.2 2020: R+20.1 2016: R+21.6 2012: R+6.7 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -183.96%
• Current HPI: 307.5552
• Rent YoY: ▼ -2.26%
• Metro: Tampa-St. Petersburg-Clearwater, 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

+711.9% since first listed

9 events — show timeline

• 2026-05-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-26 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-31 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
• 2025-11-04 Price Changed $154,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-15 Listed $169,900 Stellar MLS as Distributed by MLS Grid
• 2015-04-24 Sold (MLS) $13,000 Stellar MLS as Distributed by MLS Grid
• 2015-04-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-02-12 Listed $16,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+20.9%/yr

Latest (2025): $1,376 · +2.7% YoY. Source: county tax records.