6580 Seminole Blvd #537 · Seminole, FL 33772

$129,999

2 bd · 1.0 ba · 864 sqft · Manufactured public records · 144 Days on market

Built 1970 25 ac lot $160/mo HOA · 8% of rent ↓ 13% since listing

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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 +29.6/30.0
• DSCR +10.0/10.0
• 1% rule +9.9/10.0
• ARV discount +7.5/15.0
• Livability +4.4/5.0
• Schools +4.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Desirable Holiday Village. All age, pet friendly, no lot rent, low HOA fee of $130 mthly. 2/1 with bonus room. Home presents with many upgrades including drywall, upgraded kitchen cabinets, countertops, appliances, island, pantry and shiplap at bar and ceiling. Newer doors, slider, lighting, bathroom with step in shower. Driveway accommodates 2 vehicles. Vinyl fenced yard. This charming bungalow look home is adjacent to the Pinellas Trail, Seminole City Center and minutes to Madeira Beach.   Buyer approval required (credit and background check). No renting/leasing. Cash only. Sold as is for seller convenience. Buyer/agent to verify all room measurements and community rules and regs.

Key facts

• Carport
• Storage shed
• Modern kitchen

Tags

• MODERN KITCHEN
• VINYL REPLACEMENT WINDOWS
• CARPORT
• STORAGE SHED
• PINELLAS TRAIL BIKE PATH

Property features AI

Finance

• Other: Lot approximately 24.99 acres (park lot: LOT 537); Asphalt road access
• HOA & community: Membership in Holiday Village MHP required; Monthly association fee of $160 ($1,920 annually); Community clubhouse; Deed restrictions; Golf carts allowed; Street lights; Pets allowed (cats and dogs)

Exterior

• Parking: Carport (1 space)
• Utilities: Public sewer; Water connected; Electricity connected; Natural gas connected; Cable connected
• Home design: Residential mobile home (single wide); One story; Faces west; Entry at ground level
• Construction: Metal frame with vinyl siding; Metal roof; Crawlspace foundation
• Exterior features: Covered front porch and patio; Private mailbox; Sliding doors; Outdoor storage

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator; Gas water heater
• Bedrooms: 2 bedrooms
• Flooring: Laminate flooring; Vinyl flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Ductless heating; Wall/window air conditioning units
• Interior features: Ceiling fans; Eat-in kitchen; Open floorplan
• Laundry & utility: Inside laundry with washer and dryer

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $130k.

Deal economics

• At list price, monthly cash flow is $470 ($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 10.6% vs local median 3.7% in Seminole — 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 88/100 on livability (#5 in FL, #174 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+.
• Pinellas (suburban): math 51% / reading 51% proficiency, ranked #31 of 73 in FL (top 42%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents flat; 209 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 19d on market — plan ~3-4 weeks tenant-placement turnaround); 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).
• This rent runs 32% of the median local income ($74k/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 $899 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Pinellas County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 144 days — a 12% lower offer ($114k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago; this cycle's ask has dropped $9k (6%) 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 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $114,399 (12.0% below list)

Questions for the listing agent

1. It's been on market 144 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1970 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. 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.
8. 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.
9. 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: 1.49% ✓
• Cap rate: 10.63%
• Cash-on-cash: 15.48%
• DSCR: 1.69
• GRM: 5.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.1% rent growth · sell at horizon

5-year hold

• IRR: 2.6%
• Equity multiple: 1.10×
• Total profit: $3,491
• Equity at exit: $19,383

10-year hold

• IRR: 8.8%
• Equity multiple: 1.57×
• Total profit: $20,838
• Equity at exit: $11,240

Cash invested: $36,400 (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 33772

• Rents YoY: 0.1%
• Active inventory: 209
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $1,934 high
• Mortgage (P&I): −$682
• Tax est. 1.5%: −$162 /mo · $1,950/yr
• Insurance: −$54
• HOA: −$160
• Vacancy / Maint / Mgmt: −$406
• Net cashflow: $470

Break-even live

Break-even rent $1,340

Max offer price $129,999

Occupancy floor 71%

Sensitivity live

Price	-10% $560	-5% $515	+0% $470	+5% $425	+10% $380
Rent	-10% $317	-5% $393	+0% $470	+5% $546	+10% $622
Rate	-1.0pp $535	-0.5pp $503	base $470	+0.5pp $436	+1.0pp $402

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: $32,500
• Closing costs: $3,900
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10764 70th Ave Seminole, FL	1.0–2.0	1.0–2.0	828	$2,200	$2.66	5d	2	0.15mi
10530 68th Ave Seminole, FL	2.0	1.0	1000	$1,690	$1.69	5d	1	0.28mi
11234 68th Ave Seminole, FL	2.0	1.5	960	$2,400	$2.50	9d	1	0.32mi
10405 Addison Way Seminole, FL	1.0–3.0	1.0–2.0	1133	$2,351	$2.08	3d	18	0.51mi
10032 65th Ave N #24 Saint Petersburg, FL	2.0	2.0	1010	$1,650	$1.63	25d	1	0.65mi
10035 63rd Ave N #18 Saint Petersburg, FL	2.0	1.0	1010	$2,125	$2.10	25d	1	0.66mi
10036 63rd Ave N #23 Saint Petersburg, FL	2.0	1.0	1010	$1,550	$1.53	18d	1	0.71mi
10037 62nd Ter St. Petersburg, FL	1.0	1.0	790	$1,500	$1.90	25d	1	0.71mi
10037 62nd Ter N #15 Saint Petersburg, FL	2.0	1.0	790	$1,400	$1.77	19d	1	0.71mi
10038 62nd Ter N #17 Saint Petersburg, FL	2.0	1.0	1010	$1,400	$1.39	4d	1	0.73mi
9950 62nd Ter N #305 Saint Petersburg, FL	2.0	2.0	1120	$1,450	$1.29	25d	1	0.80mi
9860 62nd Ter N #1048 Saint Petersburg, FL	2.0	2.0	1020	$1,750	$1.72	25d	1	0.86mi
11201 80th Ave #303 Seminole, FL	2.0	2.0	1000	$1,800	$1.80	25d	1	0.92mi
8080 112th St #108 Seminole, FL	1.0	1.0	874	$1,700	$1.95	25d	1	0.92mi
11700 Park Blvd Seminole, FL	2.0	2.0	1010	$1,400	$1.39	25d	1	1.00mi
10532 51st Ter N Saint Petersburg, FL	2.0	1.0	1093	$1,800	$1.65	19d	1	1.01mi
1 Boca Ciega Point Blvd #115 Saint Petersburg, FL	2.0	2.0	920	$1,900	$2.07	3d	1	1.03mi
5224 100th Way N Saint Petersburg, FL	2.0	1.0	930	$2,400	$2.58	5d	1	1.12mi
8425 112th St #104 Seminole, FL	1.0	1.0	608	$1,300	$2.14	5d	1	1.13mi
8450 112th St #103 Seminole, FL	1.0	1.0	608	$1,250	$2.06	25d	1	1.18mi
9950 52nd Ter N Saint Petersburg, FL	2.0	1.0	1090	$2,200	$2.02	25d	1	1.19mi
4652 Miramar Dr Madeira Beach, FL	1.0–2.0	1.0–2.0	958	$2,475	$2.58	3d	33	1.19mi
12100 Park Blvd Seminole, FL	1.0–3.0	1.0–2.5	921	$1,744	$1.89	3d	40	1.20mi
11100 86th Ave #101 Seminole, FL	1.0	1.0	874	$1,350	$1.54	19d	1	1.20mi
8555 112th St #206 Seminole, FL	1.0	1.0	638	$1,250	$1.96	5d	1	1.22mi
11200 86th Ave #202 Seminole, FL	2.0	1.0	836	$1,700	$2.03	5d	1	1.22mi
4650 Cove Cir #611 Saint Petersburg, FL	2.0	2.0	970	$2,500	$2.58	5d	1	1.35mi
4650 Cove Cir #402 Saint Petersburg, FL	2.0	2.0	970	$3,500	$3.61	25d	1	1.35mi
4565 Duhme Rd #110 Saint Petersburg, FL	2.0	1.0	780	$1,700	$2.18	25d	1	1.36mi
8201 120th St Seminole, FL	3.0	2.0	1056	$2,500	$2.37	12d	1	1.37mi
4725 Cove Cir #405 Saint Petersburg, FL	1.0	1.0	815	$1,750	$2.15	19d	1	1.40mi
4771 100th Way N Unit 204 St. Petersburg, FL	1.0	1.0	550	$1,549	$2.82	25d	1	1.41mi
4771 100th Way N Unit 101 St. Petersburg, FL	2.0	1.0	800	$1,749	$2.19	19d	1	1.41mi
4575 Cove Cir #703 Saint Petersburg, FL	2.0	2.0	1040	$2,200	$2.12	5d	1	1.42mi
4750 Cove Cir #302 Saint Petersburg, FL	2.0	2.0	1040	$2,500	$2.40	25d	1	1.46mi
9940 47th Ave N #320 Saint Petersburg, FL	2.0	1.0	900	$1,575	$1.75	25d	1	1.47mi
12400 Rose St Seminole, FL	2.0	1.0	910	$1,705	$1.87	4d	2	1.48mi
4550 Cove Cir #804 Saint Petersburg, FL	1.0	1.5	860	$1,750	$2.03	25d	1	1.48mi
4550 Cove Cir #905 Saint Petersburg, FL	1.0	1.0	530	$1,350	$2.55	25d	1	1.48mi
4525 Cove Cir #608 Saint Petersburg, FL	2.0	2.0	1060	$2,000	$1.89	15d	1	1.50mi

HOA detail

• Monthly dues: $160 · $1,920/yr

Listing history 9 events

1. 2026-02-10
   price $129,999
2. 2026-01-17
   price $134,000
3. 2026-01-02
   listed $139,000 Active
4. 2025-04-19
   price $139,000
5. 2025-03-25
   listed $149,000 Active
6. 2024-03-28
   soldstatus $145,000
7. 2024-03-15
   soldstatus $145,000 Closed 696-char remark

   Show marketing remark (696 chars)

   Desirable Holiday Village. All age, pet friendly, no lot rent, low HOA fee of $130 mthly. 2/1 with bonus room. Home presents with many upgrades including drywall, upgraded kitchen cabinets, countertops, appliances, island, pantry and shiplap at bar and ceiling. Newer doors, slider, lighting, bathroom with step in shower. Driveway accommodates 2 vehicles. Vinyl fenced yard. This charming bungalow look home is adjacent to the Pinellas Trail, Seminole City Center and minutes to Madeira Beach.   Buyer approval required (credit and background check). No renting/leasing. Cash only. Sold as is for seller convenience. Buyer/agent to verify all room measurements and community rules and regs.

8. 2024-02-24
   status Pending 696-char remark

   Show marketing remark (696 chars)

   Desirable Holiday Village. All age, pet friendly, no lot rent, low HOA fee of $130 mthly. 2/1 with bonus room. Home presents with many upgrades including drywall, upgraded kitchen cabinets, countertops, appliances, island, pantry and shiplap at bar and ceiling. Newer doors, slider, lighting, bathroom with step in shower. Driveway accommodates 2 vehicles. Vinyl fenced yard. This charming bungalow look home is adjacent to the Pinellas Trail, Seminole City Center and minutes to Madeira Beach.   Buyer approval required (credit and background check). No renting/leasing. Cash only. Sold as is for seller convenience. Buyer/agent to verify all room measurements and community rules and regs.

9. 2023-12-11
   listed $149,000 Active 696-char remark

   Show marketing remark (696 chars)

   Desirable Holiday Village. All age, pet friendly, no lot rent, low HOA fee of $130 mthly. 2/1 with bonus room. Home presents with many upgrades including drywall, upgraded kitchen cabinets, countertops, appliances, island, pantry and shiplap at bar and ceiling. Newer doors, slider, lighting, bathroom with step in shower. Driveway accommodates 2 vehicles. Vinyl fenced yard. This charming bungalow look home is adjacent to the Pinellas Trail, Seminole City Center and minutes to Madeira Beach.   Buyer approval required (credit and background check). No renting/leasing. Cash only. Sold as is for seller convenience. Buyer/agent to verify all room measurements and community rules and regs.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,211
• − Mortgage interest: −$7,282
• − Property taxes: −$1,950
• − Insurance: −$650
• − Repairs & maintenance: −$1,857
• − Management: −$1,857
• − HOA: −$1,920
• − Depreciation: −$3,782
• Taxable income: $3,914
• Est. tax owed @ 24.0%: −$939
• After-tax cash flow: $4,697/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: Pinellas
• NCES district ID: 1201560
• Math proficiency: 51% ▼ -5.00%
• Reading proficiency: 51% ▼ -3.00%
• Median HH income: $46,270
• Composite: 43.27/100
• National rank: #3046
• State rank: #31 of 73 in FL

Livability — Seminole

• Score: 88/100
• State rank: #5
• US rank: #174

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Seminole, FL
• County: Pinellas County · 939,478 people
• City population: 42,315
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 23,733
• Household income: $73,586
• Rent vs Own: 27.1% rent · 72.9% own
• Severe rent burden: 720.0

Population outlook (Pinellas County) Hauer SSP2

• Today (2025): 1,027,532 people
• By 2030: 1,063,586 · +3.5%
• By 2040: 1,125,020 · +9.5%
• By 2050: 1,168,637 · +13.7%
• By 2075: 1,265,188 · +23.1%
• By 2100: 1,260,357 · +22.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (84%)
• Race & ethnicity: White 84% Hispanic / Latino 8% Two or more races 7% Asian 3% Black 2%
• Hispanic origin (detail): Puerto Rican 2%
• Common ancestry: Romanian 5% Lithuanian 3% Slovak 3%
• Foreign-born: 10% · Canada, Vietnam, Jamaica
• Languages at home: 89% English-only · Spanish 5% Other Indo-European 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Pinellas

• 2024 margin: Lean R (+5.2) · D 46.9% · R 52.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 8.3pp · 2024: -5.2pp
• All cycles: 2024: R+5.2 2020: D+0.2 2016: R+1.1 2012: D+5.6 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -485.84%
• Current HPI: 315.303
• Rent YoY: ▲ 0.10%
• 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

-12.8% since first listed

9 events — show timeline

• 2026-02-10 Price Changed $129,999 Stellar MLS as Distributed by MLS Grid
• 2026-01-17 Price Changed $134,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-02 Listed $139,000 Stellar MLS as Distributed by MLS Grid
• 2025-04-19 Price Changed $139,000 Stellar MLS as Distributed by MLS Grid
• 2025-03-25 Listed $149,000 Stellar MLS as Distributed by MLS Grid
• 2024-03-28 Sold (Public Records) $145,000 Public Records
• 2024-03-15 Sold (MLS) $145,000 Stellar MLS as Distributed by MLS Grid
• 2024-02-24 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-12-11 Listed $149,000 Stellar MLS as Distributed by MLS Grid

Property tax history

-6.4%/yr

Latest (2025): $149 · +16.0% YoY. Source: county tax records.