871 SE 71st St · Keystone Heights, FL 32091

$129,900

2 bd · 2.0 ba · 840 sqft · Manufactured public records · 97 Days on market

Built 1988 1.06 ac lot

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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 +20.5/30.0
• ARV discount +7.5/15.0
• DSCR +6.5/10.0
• 1% rule +4.7/10.0
• Livability +4.0/5.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This renovated home features an open floor plan kitchen and living room area, with split floor plan bedrooms. Large yard with room to park your RV or Boat. Small workshop and shed inside a chain link fenced back yard. Accessible ramp entry to covered back deck and back door. Perfect for grilling, cookouts and Florida sunsets. New 3/4 inch subfloor and carpet. New HVAC and ductwork (1 window unit no longer required but still in place). New hot water heater and refrigerator. Metal Roof 2012. Seller credit of $5,000 for hard surface flooring, cabinets, and exterior paint. The area boasts many Old Florida natural spaces and adventure sports to choose from. This home is an excellent cozy living space to rest your head between all your Florida adventures. Some of the awesome things in the surrounding area are: 1 mile to Santa Fe Swamp WEA bird watching hotspot and primitive hunting area 1.3 miles to Florida International Rally & Motorsport Park 1.8 miles from the Keystone Heights Airport 42J 3.6 miles to local restaurants in downtown Keystone Heights 3.9 miles to Keystone Heights public lighted basketball and tennis courts 4 miles (6 minutes) to Keystone Beach Geneva Jungle playground and the Keystone Beach Historic Pavilion 9.2 miles to Florida Twin Theater 9.6 miles (11 minutes) from Gold Head State Park. 10.2 miles to Waldo Flea Market 10.9 miles to Waldo Motorsports 17.3 miles to Camp Blanding Museum and Kingsley Lake 54.7 miles to Downtown Jacksonville

Key facts

• Covered deck
• Open floor plan
• Fenced area

Tags

• OPEN FLOOR PLAN
• SPLIT BEDROOM LAYOUT
• BREAKFAST BAR
• COVERED DECK
• FENCED AREA
• STORAGE SHED

Property features AI

Finance

• HOA & community: Not a senior community

Exterior

• Parking: Other parking
• Utilities: Septic tank; Electricity connected; Water connected
• Home design: Single wide mobile home; Property is attached
• Construction: Aluminum siding; Metal roof
• Exterior features: Back yard with chain link fencing; Dirt road access

Interior

• Kitchen: Electric oven; Refrigerator
• Bedrooms: 2 bedrooms (all on the main level)
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air (electric)
• Interior features: Breakfast bar; Ceiling fans; Primary bathroom with tub and shower
• Laundry & utility: In-unit laundry with washer hookup and electric dryer hookup

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 $172 ($2k/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 $126k (2.9% below list).
• Recommended offer: $118k (9.0% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 3.6% in Keystone Heights — 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 80/100 on livability (#109 in FL, #1,684 nationally) — a professional / high-income tenant draw. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F.
• Bradford (town): math 43% / reading 42% proficiency, ranked #57 of 73 in FL (top 78%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Bradford Middle School (math 45% / reading 36%, grade F, #360 of 571 statewide, top 64%, 660 students, 70% FRL); Bradford High School (math 33% / reading 38%, grade F, #367 of 667 statewide, top 57%, 790 students, 53% FRL) — zoned schools at 62% FRL track the district average.
• Market conditions: 153 active listings in the ZIP; 93 units permitted in Bradford County in 2024 (0 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.
• Bradford County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 97 days — a 9% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 4y ago; this cycle's ask has dropped $10k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $100k; 30% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; severe wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $118,209 (9.0% below list)

Questions for the listing agent

1. It's been on market 97 days. Have you received any prior offers? Is the seller open to a 9% 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 A-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?
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: 0.97% ✗
• Cap rate: 7.88%
• Cash-on-cash: 5.68%
• DSCR: 1.25
• GRM: 8.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: -7.5%
• Equity multiple: 0.72×
• Total profit: $-10,110
• Equity at exit: $19,369

10-year hold

• IRR: 2.0%
• Equity multiple: 1.14×
• Total profit: $5,209
• 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 32091

• Home prices YoY: -10.6%
• Active inventory: 153
• Price-to-rent: 8.6×

Monthly cashflow live

• Estimated rent: $1,261 medium
• Mortgage (P&I): −$681
• Tax from tax record: −$89 /mo · $1,062/yr
• Insurance: −$54
• HOA: −$0
• Vacancy / Maint / Mgmt: −$265
• Net cashflow: $172

Break-even live

Break-even rent $1,043

Max offer price $129,900

Occupancy floor 81%

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: —

Listing history 33 events

1. 2026-06-18
   days on market $129,900 Active 97 DOM
2. 2026-06-17
   days on market $129,900 Active 96 DOM
3. 2026-06-16
   days on market $129,900 Active 95 DOM
4. 2026-06-15
   days on market $129,900 Active 94 DOM
5. 2026-06-14
   days on market $129,900 Active 92 DOM
6. 2026-06-13
   days on market $129,900 Active 91 DOM
7. 2026-06-10
   days on market $129,900 Active 89 DOM
8. 2026-06-09
   days on market $129,900 Active 88 DOM
9. 2026-06-08
   days on market $129,900 Active 87 DOM
10. 2026-06-07
    days on market $129,900 Active 86 DOM
11. 2026-06-03
    days on market $129,900 Active 82 DOM
12. 2026-06-02
    days on market $129,900 Active 81 DOM
13. 2026-06-01
    days on market $129,900 Active 80 DOM
14. 2026-05-31
    days on market $129,900 Active 79 DOM
15. 2026-05-30
    days on market $129,900 Active 78 DOM
16. 2026-05-23
    price $129,900
17. 2026-04-10
    price $134,900
18. 2026-03-13
    listed $139,900 Active
19. 2024-01-05
    soldstatus $100,000
20. 2024-01-02
    soldstatus $100,000 Closed 1494-char remark

    Show marketing remark (759 chars)

    This renovated home features an open floor plan kitchen and living room area, with split floor plan bedrooms. Large yard with room to park your RV or Boat. Small workshop and shed inside a chain link fenced back yard. Accessible ramp entry to covered back deck and back door. Perfect for grilling, cookouts and Florida sunsets. New 3/4 inch subfloor and carpet. New HVAC and ductwork (1 window unit no longer required but still in place). New hot water heater and refrigerator. Metal Roof 2012. Seller credit of $5,000 for hard surface flooring, cabinets, and exterior paint. The area boasts many Old Florida natural spaces and adventure sports to choose from. This home is an excellent cozy living space to rest your head between all your Florida adventures.

21. 2024-01-02
    soldstatus $100,000 Closed 759-char remark

    Show marketing remark (759 chars)

    This renovated home features an open floor plan kitchen and living room area, with split floor plan bedrooms. Large yard with room to park your RV or Boat. Small workshop and shed inside a chain link fenced back yard. Accessible ramp entry to covered back deck and back door. Perfect for grilling, cookouts and Florida sunsets. New 3/4 inch subfloor and carpet. New HVAC and ductwork (1 window unit no longer required but still in place). New hot water heater and refrigerator. Metal Roof 2012. Seller credit of $5,000 for hard surface flooring, cabinets, and exterior paint. The area boasts many Old Florida natural spaces and adventure sports to choose from. This home is an excellent cozy living space to rest your head between all your Florida adventures.

22. 2023-09-15
    status Pending 1494-char remark

    Show marketing remark (759 chars)

    This renovated home features an open floor plan kitchen and living room area, with split floor plan bedrooms. Large yard with room to park your RV or Boat. Small workshop and shed inside a chain link fenced back yard. Accessible ramp entry to covered back deck and back door. Perfect for grilling, cookouts and Florida sunsets. New 3/4 inch subfloor and carpet. New HVAC and ductwork (1 window unit no longer required but still in place). New hot water heater and refrigerator. Metal Roof 2012. Seller credit of $5,000 for hard surface flooring, cabinets, and exterior paint. The area boasts many Old Florida natural spaces and adventure sports to choose from. This home is an excellent cozy living space to rest your head between all your Florida adventures.

23. 2023-09-15
    status Pending 759-char remark

    Show marketing remark (759 chars)

    This renovated home features an open floor plan kitchen and living room area, with split floor plan bedrooms. Large yard with room to park your RV or Boat. Small workshop and shed inside a chain link fenced back yard. Accessible ramp entry to covered back deck and back door. Perfect for grilling, cookouts and Florida sunsets. New 3/4 inch subfloor and carpet. New HVAC and ductwork (1 window unit no longer required but still in place). New hot water heater and refrigerator. Metal Roof 2012. Seller credit of $5,000 for hard surface flooring, cabinets, and exterior paint. The area boasts many Old Florida natural spaces and adventure sports to choose from. This home is an excellent cozy living space to rest your head between all your Florida adventures.

24. 2023-08-27
    price $145,000 759-char remark

    Show marketing remark (1494 chars)

    This renovated home features an open floor plan kitchen and living room area, with split floor plan bedrooms. Large yard with room to park your RV or Boat. Small workshop and shed inside a chain link fenced back yard. Accessible ramp entry to covered back deck and back door. Perfect for grilling, cookouts and Florida sunsets. New 3/4 inch subfloor and carpet. New HVAC and ductwork (1 window unit no longer required but still in place). New hot water heater and refrigerator. Metal Roof 2012. Seller credit of $5,000 for hard surface flooring, cabinets, and exterior paint. The area boasts many Old Florida natural spaces and adventure sports to choose from. This home is an excellent cozy living space to rest your head between all your Florida adventures. Some of the awesome things in the surrounding area are: 1 mile to Santa Fe Swamp WEA bird watching hotspot and primitive hunting area 1.3 miles to Florida International Rally & Motorsport Park 1.8 miles from the Keystone Heights Airport 42J 3.6 miles to local restaurants in downtown Keystone Heights 3.9 miles to Keystone Heights public lighted basketball and tennis courts 4 miles (6 minutes) to Keystone Beach Geneva Jungle playground and the Keystone Beach Historic Pavilion 9.2 miles to Florida Twin Theater 9.6 miles (11 minutes) from Gold Head State Park. 10.2 miles to Waldo Flea Market 10.9 miles to Waldo Motorsports 17.3 miles to Camp Blanding Museum and Kingsley Lake 54.7 miles to Downtown Jacksonville

25. 2023-08-27
    price $145,000 1494-char remark

    Show marketing remark (1494 chars)

    This renovated home features an open floor plan kitchen and living room area, with split floor plan bedrooms. Large yard with room to park your RV or Boat. Small workshop and shed inside a chain link fenced back yard. Accessible ramp entry to covered back deck and back door. Perfect for grilling, cookouts and Florida sunsets. New 3/4 inch subfloor and carpet. New HVAC and ductwork (1 window unit no longer required but still in place). New hot water heater and refrigerator. Metal Roof 2012. Seller credit of $5,000 for hard surface flooring, cabinets, and exterior paint. The area boasts many Old Florida natural spaces and adventure sports to choose from. This home is an excellent cozy living space to rest your head between all your Florida adventures. Some of the awesome things in the surrounding area are: 1 mile to Santa Fe Swamp WEA bird watching hotspot and primitive hunting area 1.3 miles to Florida International Rally & Motorsport Park 1.8 miles from the Keystone Heights Airport 42J 3.6 miles to local restaurants in downtown Keystone Heights 3.9 miles to Keystone Heights public lighted basketball and tennis courts 4 miles (6 minutes) to Keystone Beach Geneva Jungle playground and the Keystone Beach Historic Pavilion 9.2 miles to Florida Twin Theater 9.6 miles (11 minutes) from Gold Head State Park. 10.2 miles to Waldo Flea Market 10.9 miles to Waldo Motorsports 17.3 miles to Camp Blanding Museum and Kingsley Lake 54.7 miles to Downtown Jacksonville

26. 2023-07-20
    listed $165,000 Active 1494-char remark

    Show marketing remark (759 chars)

    This renovated home features an open floor plan kitchen and living room area, with split floor plan bedrooms. Large yard with room to park your RV or Boat. Small workshop and shed inside a chain link fenced back yard. Accessible ramp entry to covered back deck and back door. Perfect for grilling, cookouts and Florida sunsets. New 3/4 inch subfloor and carpet. New HVAC and ductwork (1 window unit no longer required but still in place). New hot water heater and refrigerator. Metal Roof 2012. Seller credit of $5,000 for hard surface flooring, cabinets, and exterior paint. The area boasts many Old Florida natural spaces and adventure sports to choose from. This home is an excellent cozy living space to rest your head between all your Florida adventures.

27. 2023-07-20
    listed $165,000 Active 759-char remark

    Show marketing remark (759 chars)

    This renovated home features an open floor plan kitchen and living room area, with split floor plan bedrooms. Large yard with room to park your RV or Boat. Small workshop and shed inside a chain link fenced back yard. Accessible ramp entry to covered back deck and back door. Perfect for grilling, cookouts and Florida sunsets. New 3/4 inch subfloor and carpet. New HVAC and ductwork (1 window unit no longer required but still in place). New hot water heater and refrigerator. Metal Roof 2012. Seller credit of $5,000 for hard surface flooring, cabinets, and exterior paint. The area boasts many Old Florida natural spaces and adventure sports to choose from. This home is an excellent cozy living space to rest your head between all your Florida adventures.

28. 2023-05-16
    historical
29. 2023-05-11
    listed $120,000 Active
30. 2022-06-07
    historical
31. 2022-06-07
    historical
32. 2022-05-04
    listed $95,000 Active
33. 2022-05-04
    listed $95,000 Active

ⓘ 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: $1,062 · $89/mo
• Projected year-2 tax: $1,078 · $90/mo
• Expected delta: +$16/yr (+$1/mo · 1.5%)

ⓘ 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 9/10 Extreme
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,130
• − Mortgage interest: −$7,276
• − Property taxes: −$1,062
• − Insurance: −$650
• − Repairs & maintenance: −$1,210
• − Management: −$1,210
• − Depreciation: −$3,779
• Taxable loss: −$58
• Est. tax savings @ 24.0%: +$14
• After-tax cash flow: $2,080/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: Bradford
• NCES district ID: 1200120
• Math proficiency: 43% ▼ -9.00%
• Reading proficiency: 42% ▼ -3.00%
• Median HH income: $41,661
• Composite: 35.78/100
• National rank: #4840
• State rank: #57 of 73 in FL

Livability — Keystone Heights

• Score: 80/100
• State rank: #109
• US rank: #1684

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 16,062

Population outlook (Bradford County) Hauer SSP2

• Today (2025): 24,999 people
• By 2030: 23,895 · -4.4%
• By 2040: 21,329 · -14.7%
• By 2050: 18,681 · -25.3%
• By 2075: 13,557 · -45.8%
• By 2100: 9,228 · -63.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (69%)
• Race & ethnicity: White 69% Black 20% Hispanic / Latino 6% Two or more races 6%
• Hispanic origin (detail): Puerto Rican 4%
• Common ancestry: Lithuanian 3% Serbian 1% Slovak 1%
• Foreign-born: 3% · Canada, Mexico, Jamaica
• Languages at home: 97% English-only · Spanish 2%

Political lean MEDSL · Bradford

• 2024 margin: Solid R (+57.2) · D 21.1% · R 78.4%
• 2008→2024 swing: -16.9pp toward R · 2008: -40.3pp · 2024: -57.2pp
• All cycles: 2024: R+57.2 2020: R+52.6 2016: R+49.5 2012: R+42.1 2008: R+40.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -36.09%
• Current HPI: 305.3668
• Rent YoY: —
• Metro: —
• 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

+36.7% since first listed

18 events — show timeline

• 2026-05-23 Price Changed $129,900 realMLS
• 2026-04-10 Price Changed $134,900 realMLS
• 2026-03-13 Listed $139,900 realMLS
• 2024-01-05 Sold (Public Records) $100,000 Public Records
• 2024-01-02 Sold (MLS) $100,000 realMLS
• 2024-01-02 Sold (MLS) $100,000 Stellar MLS as Distributed by MLS Grid
• 2023-09-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-09-15 Pending — realMLS
• 2023-08-27 Price Changed $145,000 realMLS
• 2023-08-27 Price Changed $145,000 Stellar MLS as Distributed by MLS Grid
• 2023-07-20 Listed $165,000 realMLS
• 2023-07-20 Listed $165,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-16 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2023-05-11 Listed $120,000 Stellar MLS as Distributed by MLS Grid
• 2022-06-07 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2022-06-07 Listing Removed — realMLS
• 2022-05-04 Listed $95,000 Stellar MLS as Distributed by MLS Grid
• 2022-05-04 Listed $95,000 realMLS

Property tax history

+7.8%/yr

Latest (2025): $1,062 · +59.2% YoY. Source: county tax records.