37241 Cora Ave · Zephyrhills West, FL 33542

$105,000

2 bd · 1.0 ba · 736 sqft · Manufactured public records · 800 Days on market

Built 1984 5,225 sqft lot Est $93k · 12% over $37/mo HOA · 3% of rent

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Why this score? — see what drove the C- 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 +25.2/30.0
• DSCR +8.3/10.0
• 1% rule +7.2/10.0
• Schools +4.3/10.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• ARV discount +2.0/15.0
• Rent growth +1.6/5.0
• Appreciation +0.0/10.0

Listing remarks

Furnished doublewide with 2 comfortably sized bedrooms and an updated bathroom. There's a nice street-level screened porch with double doors for your golf cart. There's also an additional raised, enclosed Florida room for extra outdoor living space. Upon entering the home, you are welcomed by a spacious eat-in kitchen with a cathedral ceiling, updated flooring, cabinetry & countertops. Next to the Kitchen is the living room, it also features a cathedral ceiling which gives a nice open feel and a sliding glass door to the raised enclosed Florida room. Just down the hall you will find the washing machine with laundry cabinet + a freestanding cabinet for extra storage, and the nicely app

Key facts

• Vinyl lap siding
• 5,225 sq ft lot
• Parking

Tags

• RAISED ENCLOSED FLORIDA ROOM
• SPACIOUS EAT-IN KITCHEN
• VINYL LAP SIDING

Property features AI

Finance

• Other: Property type: Residential manufactured home; Lot roughly 0.12 acre (approx. 55 x 95); Building area and living area reported from public records
• Financial info: Lease restrictions apply
• HOA & community: Has HOA (association: Jennifer Rogers) with required approval; HOA fee $448 annually ($37.33 monthly); Association fee covers common area taxes, insurance, grounds maintenance, and security; Association amenities include clubhouse, pool, spa/hot tub, tennis courts, pickleball, basketball, shuffleboard, park, storage, recreation facilities, golf course access, security, street lights, sidewalks; additional/optional fees may apply; Senior community; Pets not allowed; Buyer approval required

Exterior

• Parking: Driveway; Off-street parking; Golf cart parking; 1-car carport
• Security: Smoke detector(s)
• Utilities: Public water; Septic tank; Electricity connected; Water connected; Cable available; Phone available; Broadband/high-speed internet available
• Home design: Manufactured home (Regal double wide); One story; South facing; Crawlspace foundation; Completed condition
• Construction: Vinyl siding; Metal roof
• Exterior features: Enclosed porch; Screened porch; Side porch; Porch with sliding doors; Rain gutters; Sidewalk; Shed(s)/storage; Near golf course; Landscaped; Mature landscaping; Level lot; Paved; Publicly maintained asphalt road

Interior

• Kitchen: Range; Range hood; Microwave; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Cathedral ceilings; Ceiling fans; Eat-in kitchen; Thermostat; Walk-in closet(s); Blinds on windows; Smoke detector(s)
• Laundry & utility: Washer hookup; Dryer hookup (electric); Laundry room inside; Other utility connections

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $105k.

Deal economics

• At list price, monthly cash flow is $237 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $105k).
• Recommended offer: $92k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 61/100 on livability (#772 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D-, amenities F, 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.
• Market conditions: Rents falling (-3.6%/yr); 294 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• This rent runs 31% of the median local income ($49k/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 $726 of loan paydown is wiped out by about $3k 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.

Negotiation context

• It's been on market 800 days — a 12% lower offer ($92k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $37k; list at $105k implies a 184% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $92,400 (12.0% below list)

Questions for the listing agent

1. It's been on market 800 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. 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?
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: 1.22% ✓
• Cap rate: 9.00%
• Cash-on-cash: 9.66%
• DSCR: 1.43
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $93,472
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5307 Flint St	0.07mi	2/2.0	774 (+5%)	3mo	$134,000	$173	82
37031 Karen Ave	0.28mi	2/1.5	720 (-2%)	1mo	$92,000	$128	80
37229 Cora Ave	0.02mi	2/1.5	784 (+6%)	9mo	$101,000	$129	78
37235 Eileen Ave	0.05mi	2/2.0	784 (+6%)	6mo	$128,000	$163	78
37137 Lois Ave	0.16mi	2/1.5	684 (-7%)	4mo	$66,000	$96	76
37042 Lois Ave	0.25mi	2/2.0	748 (+2%)	8mo	$95,000	$127	75
37113 Lois Ave	0.20mi	2/1.0	672 (-9%)	3mo	$75,000	$112	74
5241 Bolton Dr	0.13mi	2/1.0	672 (-9%)	6mo	$80,000	$119	74
37302 Carol Ave	0.12mi	1/1.0 (-1)	684 (-7%)	7mo	$55,000	$80	72
37112 Sandra Ave	0.18mi	2/1.5	664 (-10%)	8mo	$70,000	$105	66
5400 Amanda St	0.29mi	2/1.0	672 (-9%)	8mo	$105,000	$156	65
37016 8th Ave	0.27mi	2/2.0	825 (+12%)	10mo	$100,000	$121	55

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: -5.3%
• Equity multiple: 0.81×
• Total profit: $-5,631
• Equity at exit: $15,656

10-year hold

• IRR: 0.1%
• Equity multiple: 1.01×
• Total profit: $250
• Equity at exit: $9,078

Cash invested: $29,400 (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 33542

• Home prices YoY: -20.6%
• Rents YoY: -3.6%
• Active inventory: 294
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,276 high
• Mortgage (P&I): −$551
• Tax from tax record: −$140 /mo · $1,679/yr
• Insurance: −$44
• HOA: −$37
• Vacancy / Maint / Mgmt: −$268
• Net cashflow: $237

Break-even live

Break-even rent $976

Max offer price $105,000

Occupancy floor 76%

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5168 Crooked Ln Zephyrhills, FL	2.0	1.0	600	$1,645	$2.74	21d	1	0.35mi
5611 1st St Zephyrhills, FL	1.0	1.0	600	$1,095	$1.82	16d	1	0.75mi
4833 Royal Palm Dr Zephyrhills, FL	2.0	1.0	672	$1,090	$1.62	24d	1	0.77mi
38044 6th Ave Unit 38044 Zephyrhills, FL	1.0	1.0	494	$950	$1.92	24d	1	0.81mi
38010 14th Ave Apt 3 Zephyrhills, FL	1.0	1.0	537	$1,195	$2.23	24d	1	0.89mi
37925 Date Palm Dr Zephyrhills, FL	3.0	1.5	720	$1,300	$1.81	24d	1	0.97mi
6302 Abbott Station Dr Zephyrhills, FL	3.0	1.0–2.5	855	$1,732	$2.02	1d	142	1.04mi
5150 6th St Zephyrhills, FL	1.0	1.0	600	$925	$1.54	24d	1	1.09mi
5426 8th St #1 Zephyrhills, FL	1.0	1.0	432	$1,150	$2.66	24d	1	1.18mi
5208 7th St Zephyrhills, FL	1.0	1.0	550	$950	$1.73	4d	1	1.20mi
5214 7th St Zephyrhills, FL	1.0	1.0	550	$950	$1.73	4d	1	1.20mi
5214 7th St Zephyrhills, FL	1.0	1.0	550	$1,100	$2.00	16d	1	1.20mi
5206 7th St Zephyrhills, FL	1.0	1.0	550	$950	$1.73	4d	1	1.21mi
4412 Plum St Zephyrhills, FL	1.0	1.0	624	$1,100	$1.76	24d	1	1.35mi
4410 Plum St Zephyrhills, FL	1.0	1.0	624	$1,100	$1.76	24d	1	1.35mi
6052 10th St Zephyrhills, FL	2.0	1.0	644	$1,200	$1.86	24d	1	1.39mi
4352 6th St Zephyrhills, FL	1.0	1.0	494	$1,100	$2.23	24d	1	1.47mi

HOA detail

• Monthly dues: $37 · $444/yr

Listing history 17 events

1. 2026-06-18
   days on market $105,000 Active 800 DOM
2. 2026-06-17
   days on market $105,000 Active 799 DOM
3. 2026-06-16
   days on market $105,000 Active 798 DOM
4. 2026-06-15
   days on market $105,000 Active 797 DOM
5. 2026-06-13
   days on market $105,000 Active 795 DOM
6. 2026-06-09
   days on market $105,000 Active 791 DOM
7. 2026-06-08
   days on market $105,000 Active 790 DOM
8. 2026-06-07
   days on market $105,000 Active 789 DOM
9. 2026-06-04
   days on market $105,000 Active 786 DOM
10. 2026-06-03
    days on market $105,000 Active 785 DOM
11. 2026-06-02
    days on market $105,000 Active 784 DOM
12. 2026-06-01
    days on market $105,000 Active 783 DOM
13. 2026-05-31
    days on market $105,000 Active 782 DOM
14. 2025-12-29
    price $105,000
15. 2024-10-28
    price $119,900
16. 2024-04-09
    listed $135,000 Active
17. 1996-03-18
    soldstatus $37,000

ⓘ 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: $1,679 · $140/mo
• Projected year-2 tax: $1,679 · $140/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 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,312
• − Mortgage interest: −$5,882
• − Property taxes: −$1,679
• − Insurance: −$525
• − Repairs & maintenance: −$1,225
• − Management: −$1,225
• − HOA: −$444
• − Depreciation: −$3,055
• Taxable income: $1,277
• Est. tax owed @ 24.0%: −$307
• After-tax cash flow: $2,534/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 — Zephyrhills West

• Score: 61/100
• State rank: #772
• US rank: #17403

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Zephyrhills West, FL
• County: Pasco County · 524,098 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 23,612
• Household income: $49,316
• Rent vs Own: 27.5% rent · 72.5% own
• Severe rent burden: 831.0

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 (76%)
• Race & ethnicity: White 76% Hispanic / Latino 17% Two or more races 8% Black 4% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 10%
• Common ancestry: Lithuanian 3% Romanian 2% Iranian 2%
• Foreign-born: 5% · Canada, Jamaica
• Languages at home: 86% English-only · Spanish 12% Other Indo-European 1% Russian/Polish/Slavic 1%

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: ▼ -81.25%
• Current HPI: 313.3993
• Rent YoY: ▼ -3.56%
• 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

+183.8% since first listed

4 events — show timeline

• 2025-12-29 Price Changed $105,000 Stellar MLS as Distributed by MLS Grid
• 2024-10-28 Price Changed $119,900 Stellar MLS as Distributed by MLS Grid
• 2024-04-09 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 1996-03-18 Sold (Public Records) $37,000 Public Records

Property tax history

+5.4%/yr

Latest (2025): $1,679 · +4.9% YoY. Source: county tax records.