463 Mapleleaf Cir · Ensley, FL 32514

$62,500

2 bd · 1.0 ba · 624 sqft · Manufactured public records · 118 Days on market

Built 1982 4,791 sqft lot $200/mo HOA · 15% of rent

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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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +4.0/5.0
• Schools +3.6/10.0
• Rent growth +2.7/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This home is where charm meets modern elegance! Nestled in a quiet and friendly neighborhood, this inviting residence is more than just a house; it's a place to call home. This is an ideal home for a first time homebuyer or an investor looking for an affordable rental. Step through the front door, and you'll discover a home that effortlessly blends comfort with style. Two modern mini-splits provide economical heating and cooling throughout the home. The living area is bathed in natural light, creating a warm and inviting atmosphere for both everyday living and entertaining guests. You will have your own driveway and parking for a guest along with a fenced yard for any pets. Enjoy your morning coffee on the covered front deck! Land is included in the sale of this property, no separate land lease, only HOA dues. Convenient to multiple restaurants, UWF, and shopping venues!

Key facts

• Covered deck
• Open floor plan
• Wood floors

Tags

• OPEN FLOOR PLAN
• WOOD FLOORS
• FENCED LOT
• COVERED DECK
• PRIVATE LOCATION

Property features AI

Finance

• Other: Resale property; Building area approximately 624 square feet
• HOA & community: Community pool; HOA exists with an annual fee of $2,400 covering association and water/sewer

Exterior

• Parking: Driveway with open parking
• Utilities: Public water; Electric with circuit breakers and copper wiring
• Home design: Mobile/Manufactured or modular home; Single-story
• Construction: Frame construction; Metal roof; Off-grade foundation; Built/effective year 2010
• Exterior features: Covered deck; Chain link full fencing; Interior lot; Paved private maintained road

Interior

• Kitchen: Updated kitchen; Refrigerator included; Electric water heater
• Bedrooms: Master bedroom on the first floor (9 x 9)
• Flooring: Hardwood
• Bathrooms: 1 full bathroom (updated)
• Heating & cooling: Has heating (wall/window units, multiple units); Has cooling (multiple units)
• Interior features: Hardwood flooring; Kitchen and dining combined; Updated kitchen and bathroom
• Laundry & utility: Indoor laundry with washer/dryer hookups

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $62k.

Deal economics

• At list price, monthly cash flow is $374 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $62k).
• Recommended offer: $57k (9.0% below list) — sets the bar for market timing.
• Cap rate 13.5% vs local median 4.7% in Ensley — 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 79/100 on livability (#133 in FL, #1,996 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities D, employment D, schools F.
• Escambia (suburban): math 40% / reading 45% proficiency, ranked #56 of 73 in FL (top 77%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents flat; 221 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 1,479 units permitted in Escambia County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $432 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Escambia County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 0.8% rent growth), your $18k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 118 days — a 9% lower offer ($57k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y ago; this cycle's ask has dropped $15k (19%) 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; extreme-heat days projected 6→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $56,875 (9.0% below list)

Questions for the listing agent

1. It's been on market 118 days. Have you received any prior offers? Is the seller open to a 9% 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. 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?
6. 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.
7. 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.
8. 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: 2.09% ✓
• Cap rate: 13.48%
• Cash-on-cash: 25.67%
• DSCR: 2.14
• GRM: 4.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.76% rent growth · sell at horizon

5-year hold

• IRR: 16.2%
• Equity multiple: 1.63×
• Total profit: $10,991
• Equity at exit: $9,319

10-year hold

• IRR: 22.6%
• Equity multiple: 2.69×
• Total profit: $29,608
• Equity at exit: $5,404

Cash invested: $17,500 (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 32514

• Home prices YoY: -31.2%
• Rents YoY: 0.8%
• Active inventory: 221
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $1,308 medium
• Mortgage (P&I): −$328
• Tax from tax record: −$105 /mo · $1,261/yr
• Insurance: −$26
• HOA: −$200
• Vacancy / Maint / Mgmt: −$275
• Net cashflow: $374

Break-even live

Break-even rent $834

Max offer price $62,500

Occupancy floor 66%

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: $15,625
• Closing costs: $1,875
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10163 Guidy Ln Pensacola, FL	1.0	1.0	740	$1,295	$1.75	23d	1	0.71mi
10151 Guidy Ln Unit G7 Pensacola, FL	1.0	1.0	512	$950	$1.86	23d	1	0.78mi

HOA detail

• Monthly dues: $200 · $2,400/yr

Listing history 18 events

1. 2026-05-06
   historical Contingent
2. 2026-04-13
   price $62,500
3. 2026-03-13
   price $67,500
4. 2026-01-30
   listed $77,500 Active
5. 2024-05-31
   soldstatus $112,000 Sold 890-char remark

   Show marketing remark (890 chars)

   This home is where charm meets modern elegance! Nestled in a quiet and friendly neighborhood, this inviting residence is more than just a house; it's a place to call home. This is an ideal home for a first time homebuyer or an investor looking for an affordable rental. Step through the front door, and you'll discover a home that effortlessly blends comfort with style. Two modern mini-splits provide economical heating and cooling throughout the home. The living area is bathed in natural light, creating a warm and inviting atmosphere for both everyday living and entertaining guests. You will have your own driveway and parking for a guest along with a fenced yard for any pets. Enjoy your morning coffee on the covered front deck! Land is included in the sale of this property, no separate land lease, only HOA dues. Convenient to multiple restaurants, UWF, and shopping venues!

6. 2024-05-10
   status Pending 890-char remark

   Show marketing remark (890 chars)

   This home is where charm meets modern elegance! Nestled in a quiet and friendly neighborhood, this inviting residence is more than just a house; it's a place to call home. This is an ideal home for a first time homebuyer or an investor looking for an affordable rental. Step through the front door, and you'll discover a home that effortlessly blends comfort with style. Two modern mini-splits provide economical heating and cooling throughout the home. The living area is bathed in natural light, creating a warm and inviting atmosphere for both everyday living and entertaining guests. You will have your own driveway and parking for a guest along with a fenced yard for any pets. Enjoy your morning coffee on the covered front deck! Land is included in the sale of this property, no separate land lease, only HOA dues. Convenient to multiple restaurants, UWF, and shopping venues!

7. 2024-04-27
   historical Contingent 890-char remark

   Show marketing remark (890 chars)

   This home is where charm meets modern elegance! Nestled in a quiet and friendly neighborhood, this inviting residence is more than just a house; it's a place to call home. This is an ideal home for a first time homebuyer or an investor looking for an affordable rental. Step through the front door, and you'll discover a home that effortlessly blends comfort with style. Two modern mini-splits provide economical heating and cooling throughout the home. The living area is bathed in natural light, creating a warm and inviting atmosphere for both everyday living and entertaining guests. You will have your own driveway and parking for a guest along with a fenced yard for any pets. Enjoy your morning coffee on the covered front deck! Land is included in the sale of this property, no separate land lease, only HOA dues. Convenient to multiple restaurants, UWF, and shopping venues!

8. 2024-04-08
   price $110,000 890-char remark

   Show marketing remark (890 chars)

   This home is where charm meets modern elegance! Nestled in a quiet and friendly neighborhood, this inviting residence is more than just a house; it's a place to call home. This is an ideal home for a first time homebuyer or an investor looking for an affordable rental. Step through the front door, and you'll discover a home that effortlessly blends comfort with style. Two modern mini-splits provide economical heating and cooling throughout the home. The living area is bathed in natural light, creating a warm and inviting atmosphere for both everyday living and entertaining guests. You will have your own driveway and parking for a guest along with a fenced yard for any pets. Enjoy your morning coffee on the covered front deck! Land is included in the sale of this property, no separate land lease, only HOA dues. Convenient to multiple restaurants, UWF, and shopping venues!

9. 2024-03-28
   price $108,000 890-char remark

   Show marketing remark (890 chars)

   This home is where charm meets modern elegance! Nestled in a quiet and friendly neighborhood, this inviting residence is more than just a house; it's a place to call home. This is an ideal home for a first time homebuyer or an investor looking for an affordable rental. Step through the front door, and you'll discover a home that effortlessly blends comfort with style. Two modern mini-splits provide economical heating and cooling throughout the home. The living area is bathed in natural light, creating a warm and inviting atmosphere for both everyday living and entertaining guests. You will have your own driveway and parking for a guest along with a fenced yard for any pets. Enjoy your morning coffee on the covered front deck! Land is included in the sale of this property, no separate land lease, only HOA dues. Convenient to multiple restaurants, UWF, and shopping venues!

10. 2024-02-08
    listed $110,000 Active 890-char remark

    Show marketing remark (890 chars)

    This home is where charm meets modern elegance! Nestled in a quiet and friendly neighborhood, this inviting residence is more than just a house; it's a place to call home. This is an ideal home for a first time homebuyer or an investor looking for an affordable rental. Step through the front door, and you'll discover a home that effortlessly blends comfort with style. Two modern mini-splits provide economical heating and cooling throughout the home. The living area is bathed in natural light, creating a warm and inviting atmosphere for both everyday living and entertaining guests. You will have your own driveway and parking for a guest along with a fenced yard for any pets. Enjoy your morning coffee on the covered front deck! Land is included in the sale of this property, no separate land lease, only HOA dues. Convenient to multiple restaurants, UWF, and shopping venues!

11. 2023-04-21
    soldstatus $95,000 Sold 1083-char remark

    Show marketing remark (1083 chars)

    Looking under 100K in Pensacola? Take a look at this great investment! Move in ready mobile home right at the heart of 9 Mile road. This would be perfect for an owner occupant or an investor looking to add a rental to their portfolio. At the front of the home is an open kitchen and living area with tons of natural light. The kitchen features new flooring, cabinets, countertops, appliances, lighting, and windows. Tucked at the back of the home are the 2 bedrooms and bathroom. The main bedroom has a closet with barn door for saving space, plus built in shelving for extra storage. Upgrades to the bathroom include a new tub and shower combo and new vanity. Additional updates in this home include new roof, new water heater, new HVAC mini split system, recessed lighting, inside washer and dryer hookups, built in shelving, and more. Entertaining is easy with the oversized covered deck complete with industrial style railing. This affordable home is minutes to shopping, 20 minutes from Downtown, and best of all - 30 minutes to the best white sand beaches Florida has to offer.

12. 2023-02-24
    historical Contingent 1083-char remark

    Show marketing remark (1083 chars)

    Looking under 100K in Pensacola? Take a look at this great investment! Move in ready mobile home right at the heart of 9 Mile road. This would be perfect for an owner occupant or an investor looking to add a rental to their portfolio. At the front of the home is an open kitchen and living area with tons of natural light. The kitchen features new flooring, cabinets, countertops, appliances, lighting, and windows. Tucked at the back of the home are the 2 bedrooms and bathroom. The main bedroom has a closet with barn door for saving space, plus built in shelving for extra storage. Upgrades to the bathroom include a new tub and shower combo and new vanity. Additional updates in this home include new roof, new water heater, new HVAC mini split system, recessed lighting, inside washer and dryer hookups, built in shelving, and more. Entertaining is easy with the oversized covered deck complete with industrial style railing. This affordable home is minutes to shopping, 20 minutes from Downtown, and best of all - 30 minutes to the best white sand beaches Florida has to offer.

13. 2022-09-15
    price $95,000 1083-char remark

    Show marketing remark (1083 chars)

    Looking under 100K in Pensacola? Take a look at this great investment! Move in ready mobile home right at the heart of 9 Mile road. This would be perfect for an owner occupant or an investor looking to add a rental to their portfolio. At the front of the home is an open kitchen and living area with tons of natural light. The kitchen features new flooring, cabinets, countertops, appliances, lighting, and windows. Tucked at the back of the home are the 2 bedrooms and bathroom. The main bedroom has a closet with barn door for saving space, plus built in shelving for extra storage. Upgrades to the bathroom include a new tub and shower combo and new vanity. Additional updates in this home include new roof, new water heater, new HVAC mini split system, recessed lighting, inside washer and dryer hookups, built in shelving, and more. Entertaining is easy with the oversized covered deck complete with industrial style railing. This affordable home is minutes to shopping, 20 minutes from Downtown, and best of all - 30 minutes to the best white sand beaches Florida has to offer.

14. 2022-07-09
    price $98,900 1083-char remark

    Show marketing remark (1083 chars)

    Looking under 100K in Pensacola? Take a look at this great investment! Move in ready mobile home right at the heart of 9 Mile road. This would be perfect for an owner occupant or an investor looking to add a rental to their portfolio. At the front of the home is an open kitchen and living area with tons of natural light. The kitchen features new flooring, cabinets, countertops, appliances, lighting, and windows. Tucked at the back of the home are the 2 bedrooms and bathroom. The main bedroom has a closet with barn door for saving space, plus built in shelving for extra storage. Upgrades to the bathroom include a new tub and shower combo and new vanity. Additional updates in this home include new roof, new water heater, new HVAC mini split system, recessed lighting, inside washer and dryer hookups, built in shelving, and more. Entertaining is easy with the oversized covered deck complete with industrial style railing. This affordable home is minutes to shopping, 20 minutes from Downtown, and best of all - 30 minutes to the best white sand beaches Florida has to offer.

15. 2022-06-24
    listed $109,000 Active 1083-char remark

    Show marketing remark (1083 chars)

    Looking under 100K in Pensacola? Take a look at this great investment! Move in ready mobile home right at the heart of 9 Mile road. This would be perfect for an owner occupant or an investor looking to add a rental to their portfolio. At the front of the home is an open kitchen and living area with tons of natural light. The kitchen features new flooring, cabinets, countertops, appliances, lighting, and windows. Tucked at the back of the home are the 2 bedrooms and bathroom. The main bedroom has a closet with barn door for saving space, plus built in shelving for extra storage. Upgrades to the bathroom include a new tub and shower combo and new vanity. Additional updates in this home include new roof, new water heater, new HVAC mini split system, recessed lighting, inside washer and dryer hookups, built in shelving, and more. Entertaining is easy with the oversized covered deck complete with industrial style railing. This affordable home is minutes to shopping, 20 minutes from Downtown, and best of all - 30 minutes to the best white sand beaches Florida has to offer.

16. 2001-08-22
    soldstatus $22,500
17. 1999-03-18
    soldstatus $16,000
18. 1992-08-01
    soldstatus $9,300

ⓘ 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: $1,261 · $105/mo
• Projected year-2 tax: $1,261 · $105/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 2/10 Low
• 🌡 Heat 10/10 Extreme 6 d/yr ≥106°F today · 20 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: $15,694
• − Mortgage interest: −$3,501
• − Property taxes: −$1,261
• − Insurance: −$312
• − Repairs & maintenance: −$1,256
• − Management: −$1,256
• − HOA: −$2,400
• − Depreciation: −$1,818
• Taxable income: $3,891
• Est. tax owed @ 24.0%: −$934
• After-tax cash flow: $3,558/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: Escambia
• NCES district ID: 1200510
• Math proficiency: 40% ▼ -9.00%
• Reading proficiency: 45% ▼ -4.00%
• Median HH income: $44,649
• Composite: 36.04/100
• National rank: #4773
• State rank: #56 of 73 in FL

Livability — Ensley

• Score: 79/100
• State rank: #133
• US rank: #1996

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ensley, FL
• County: Escambia County · 301,722 people
• City population: 15,879
• Metro: Pensacola-Ferry Pass-Brent, FL
• Population (ZIP): 42,447
• Household income: $66,644
• Rent vs Own: 47.2% rent · 52.8% own
• Severe rent burden: 1962.0

Population outlook (Escambia County) Hauer SSP2

• Today (2025): 334,637 people
• By 2030: 345,779 · +3.3%
• By 2040: 364,828 · +9.0%
• By 2050: 378,514 · +13.1%
• By 2075: 403,220 · +20.5%
• By 2100: 386,125 · +15.4%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.55)
• Race & ethnicity: White 63% Black 22% Two or more races 9% Hispanic / Latino 7% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 2%
• Common ancestry: Italian 3% Lithuanian 2% Slovak 2%
• Foreign-born: 6% · Canada, South Korea
• Languages at home: 91% English-only · Spanish 5% Other Indo-European 1% Tagalog/Filipino 1%

Political lean MEDSL · Escambia

• 2024 margin: R (+19.5) · D 39.7% · R 59.2% · Other 1.1%
• 2008→2024 swing: -0.2pp no change · 2008: -19.3pp · 2024: -19.5pp
• All cycles: 2024: R+19.5 2020: R+15.1 2016: R+20.6 2012: R+20.6 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -120.99%
• Current HPI: 266.7408
• Rent YoY: ▲ 0.76%
• Metro: Pensacola-Ferry Pass-Brent, 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

+572.0% since first listed

18 events — show timeline

• 2026-05-06 Contingent — PARMLS
• 2026-04-13 Price Changed $62,500 PARMLS
• 2026-03-13 Price Changed $67,500 PARMLS
• 2026-01-30 Listed $77,500 PARMLS
• 2024-05-31 Sold (MLS) $112,000 PARMLS
• 2024-05-10 Pending — PARMLS
• 2024-04-27 Contingent — PARMLS
• 2024-04-08 Price Changed $110,000 PARMLS
• 2024-03-28 Price Changed $108,000 PARMLS
• 2024-02-08 Listed $110,000 PARMLS
• 2023-04-21 Sold (MLS) $95,000 PARMLS
• 2023-02-24 Contingent — PARMLS
• 2022-09-15 Price Changed $95,000 PARMLS
• 2022-07-09 Price Changed $98,900 PARMLS
• 2022-06-24 Listed $109,000 PARMLS
• 2001-08-22 Sold (Public Records) $22,500 Public Records
• 1999-03-18 Sold (Public Records) $16,000 Public Records
• 1992-08-01 Sold (Public Records) $9,300 Public Records

Property tax history

+16.1%/yr

Latest (2025): $1,261 · +9.7% YoY. Source: county tax records.