2055 S Floral Ave #169 · Bartow, FL 33830

$149,900

2 bd · 2.0 ba · 1,080 sqft · Manufactured public records · 1 Days on market

Built 1985 5,188 sqft lot $105/mo HOA · 6% of rent ↓ 12% since listing

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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 +18.8/30.0
• ARV discount +7.5/15.0
• 1% rule +6.0/10.0
• DSCR +5.9/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

This move-in-ready 2-bedroom, 2-bathroom manufactured home offers the ultimate Central Florida lifestyle in Bartow’s highly desirable, 55+ Floral Lakes community, where you own your land with no lot rent and low monthly HOA fees. Featuring energy-efficient double-paned windows throughout, the home boasts an open and inviting floor plan that maximizes its space. The kitchen comes equipped with brand-new stainless-finish appliances, a pantry cabinet with convenient pull-out drawers, and a handy breakfast bar. Just adjacent, the dining area features built-in cabinetry and a hutch, offering lovely views of the lake. For relaxation, the living room features a sliding glass door that opens

Key facts

• En suite bathroom
• Large walk in closet
• Breakfast bar

Tags

• BREAKFAST BAR
• BUILT IN CABINETRY
• ELECTRIC ROLL DOWN SHADES
• LARGE WALK IN CLOSET
• EN SUITE BATHROOM
• DEDICATED LAUNDRY ROOM

Property features AI

Finance

• Financial info: Total monthly fees $105; Total annual fees $1,260; Lease restrictions apply
• HOA & community: Has HOA (monthly fee $105); Association amenities include clubhouse, pool, recreation facilities, shuffleboard court; Association approval required; Monthly HOA covers pool; Community features: buyer approval required, clubhouse, community mailbox, deed restrictions, golf carts OK, pool; Senior community; Pets allowed

Exterior

• Parking: Carport with 2 spaces
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Manufactured home (double wide); One story; North facing
• Construction: Metal frame with vinyl siding; Metal roof; Crawlspace foundation; Built as a double wide manufactured home
• Exterior features: Lighting; Sliding doors; Storage; Lake frontage with 41 feet; Fishing pier; Lake view and lake access

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Refrigerator; Eat-in kitchen
• Bedrooms: 2 bedrooms
• Flooring: Laminate; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Built-in features; Ceiling fans; Eat-in kitchen; Walk-in closet(s); Window treatments
• Laundry & utility: Washer; Dryer; Laundry closet; Inside laundry

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $150k.

Deal economics

• At list price, monthly cash flow is $150 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).

Location & tenants

• Location reads 68/100 on livability (#526 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment C-, crime D-, amenities F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+2.7%/yr); 386 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 31% of the median local income ($64k/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 $1k of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.

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 $149,900

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
4. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
5. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
6. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
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: 1.10% ✓
• Cap rate: 7.49%
• Cash-on-cash: 4.28%
• DSCR: 1.19
• GRM: 7.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.72% rent growth · sell at horizon

5-year hold

• IRR: -9.9%
• Equity multiple: 0.64×
• Total profit: $-15,125
• Equity at exit: $22,351

10-year hold

• IRR: -0.8%
• Equity multiple: 0.94×
• Total profit: $-2,397
• Equity at exit: $12,961

Cash invested: $41,972 (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 33830

• Home prices YoY: -19.8%
• Rents YoY: 2.7%
• Active inventory: 386
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $1,643 high
• Mortgage (P&I): −$786
• Tax from tax record: −$195 /mo · $2,339/yr
• Insurance: −$62
• HOA: −$105
• Vacancy / Maint / Mgmt: −$345
• Net cashflow: $150

Break-even live

Break-even rent $1,454

Max offer price $149,900

Occupancy floor 86%

Sensitivity live

Price	-10% $235	-5% $192	+0% $150	+5% $107	+10% $65
Rent	-10% $20	-5% $85	+0% $150	+5% $215	+10% $279
Rate	-1.0pp $225	-0.5pp $188	base $150	+0.5pp $111	+1.0pp $71

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
100 Laurel Cir Bartow, FL	2.0	2.5	1274	$1,740	$1.37	3d	10	0.48mi
670 Garden St Bartow, FL	2.0	1.0	850	$1,295	$1.52	24d	1	0.86mi
820 S Floral Ave Bartow, FL	2.0	1.5	1112	$1,200	$1.08	24d	1	1.05mi
740 E Pearl St Apt E Bartow, FL	2.0	1.5	1000	$1,470	$1.47	24d	1	1.45mi
855 E Vine St Unit A Bartow, FL	3.0	2.0	1040	$1,850	$1.78	24d	1	1.46mi
740 E Pearl St Unit C Bartow, FL	2.0	1.0	900	$1,360	$1.51	24d	1	1.46mi

HOA detail

• Monthly dues: $105 · $1,260/yr

Listing history 15 events

1. 2026-06-19
   remarks 693-char remark
2. 2026-06-19
   days on marketlisting id $149,900 Active 1 DOM
3. 2026-06-15
   days on market $149,900 Active 103 DOM
4. 2026-06-13
   days on market $149,900 Active 101 DOM
5. 2026-06-10
   days on market $149,900 Active 98 DOM
6. 2026-06-09
   days on market $149,900 Active 97 DOM
7. 2026-06-08
   days on market $149,900 Active 96 DOM
8. 2026-06-07
   days on market $149,900 Active 95 DOM
9. 2026-06-05
   days on market $149,900 Active 92 DOM
10. 2026-06-03
    days on market $149,900 Active 90 DOM
11. 2026-06-01
    days on market $149,900 Active 89 DOM
12. 2026-05-31
    days on market $149,900 Active 88 DOM
13. 2026-04-30
    price $149,900
14. 2026-04-06
    price $159,900
15. 2026-03-04
    listed $169,900 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: $2,339 · $195/mo
• Projected year-2 tax: $2,339 · $195/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 8/10 Severe 6 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 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: $19,719
• − Mortgage interest: −$8,397
• − Property taxes: −$2,339
• − Insurance: −$750
• − Repairs & maintenance: −$1,578
• − Management: −$1,578
• − HOA: −$1,260
• − Depreciation: −$4,361
• Taxable loss: −$542
• Est. tax savings @ 24.0%: +$130
• After-tax cash flow: $1,926/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: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Bartow

• Score: 68/100
• State rank: #526
• US rank: #9835

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bartow, FL
• County: Polk County · 740,051 people
• City population: 33,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 33,740
• Household income: $63,918
• Rent vs Own: 31.1% rent · 68.9% own
• Severe rent burden: 681.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 55% Hispanic / Latino 22% Black 18% Two or more races 13% Asian 2%
• Hispanic origin (detail): Mexican 13% Puerto Rican 5%
• Common ancestry: Italian 3% Slovak 1% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 81% English-only · Spanish 17% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -82.47%
• Current HPI: 333.3392
• Rent YoY: ▲ 2.72%
• Metro: Lakeland-Winter Haven, 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

-11.8% since first listed

3 events — show timeline

• 2026-04-30 Price Changed $149,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-06 Price Changed $159,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-04 Listed $169,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+14.5%/yr

Latest (2025): $2,339 · +3.9% YoY. Source: county tax records.