22216 Parrotts Fry #13 · Columbia, CA
Flood risk 3/10 · Minor
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.2%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 8/10 · Major
- Est. fire insurance / yr
- $659 – $1,223
Heat risk 5/10 · Moderate
- Hot days now (above 99°F)
- 6 days/yr
- Hot days in 30 yrs
- 13 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 10/10 · Severe
- Unhealthy air days now
- 28 days/yr
- Unhealthy air days in 30 yrs
- 33 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D+ 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 +15.0/30.0
- ARV discount +15.0/15.0
- 1% rule +5.0/10.0
- DSCR +5.0/10.0
- Livability +2.6/5.0
- Rent growth +2.5/5.0
- Condition / age +2.5/5.0
- Schools +2.3/10.0
- Appreciation +0.0/10.0
$15,000
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Charming Vintage Mobile Home in 55+ Community Welcome to this cozy and well-maintained 1 bed, 1 bath vintage mobile home located in a peaceful senior park. Enjoy fresh interior and exterior paint and stylish luxury vinyl flooring throughout. Nestled in a beautifully landscaped, walkable community, this home offers both comfort and convenience. Ideally situated between downtown Sonora and historic Columbia, you’ll have easy access to shopping, dining, and local attractions.
Key facts
- Close to post office
- Built 1962
- Listed 94 days
Tags
Property features AI
Finance
- HOA & community: Located in Gold Rush Mobile Home Park; Senior community; Community laundry available
Exterior
- Parking: Assigned parking
- Utilities: Private water source
- Home design: Manufactured in park (mobile home); Single-wide body type
- Construction: Aluminum siding
- Exterior features: Level lot; Exterior storage area
Interior
- Kitchen: Free-standing range; Refrigerator
- Bedrooms: Total rooms: 3
- Flooring: Laminate flooring
- Bathrooms: 1 full bathroom
- Heating & cooling: Heating via fireplace(s); Wall/window cooling unit(s)
- Interior features: No additional rooms; Main entry at street level; Free-standing fireplace; Storage area (exterior storage)
- Laundry & utility: Laundry in park
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2-bed/1.0-bath manufactured listed at $15k.
Deal economics
- At list price, monthly cash flow is $1k ($15k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($2k rent vs $15k).
- Recommended offer: $14k (9.0% below list) — sets the bar for market timing.
Location & tenants
- Location reads 51/100 on livability (#1,080 in CA) — a working-class tenant base; expect higher turnover. Strengths: crime A-, housing B; Watch: schools D+, amenities F, commute F.
- Columbia Union (rural): math 22% / reading 31% proficiency, ranked #383 of 517 in CA (top 74%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover.
- Market conditions: 301 active listings in the ZIP; 60 units permitted in Tuolumne County in 2024 (0 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $104 of loan paydown is wiped out by about $450 of value loss. Plan a longer hold.
- Tuolumne County population projected at -15% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
- At projected returns (-3.0% appreciation + 3.0% rent growth), your $4k cash investment doubles in ~1 year — after that, you're playing with house money.
Negotiation context
- It's been on market 94 days — a 9% lower offer ($14k) is reasonable based on typical stale-listing flexibility.
- 4 sale attempts since 8y ago; this cycle's ask has dropped $4k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Climate carrying-cost: severe wildfire risk; extreme-heat days projected 6→13/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- It's been on market 94 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
- Built in 1962 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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.
- 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.
- 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
- 11.33% ✓
- Cap rate
- 106.63%
- Cash-on-cash
- 358.36%
- DSCR
- 16.94
- GRM
- 0.7
CMA / ARV
- ARV (on-the-fly)
- $21,600
- Comps found
- 1
Show comp detail 1 sale within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 22217 Parrotts Ferry Rd #35 #35 | 0.12mi | 2/2.0 | 1,056 (-12%) | 6mo | $19,000 | $18 | 66 |
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 · 3.0% rent growth · sell at horizon
- IRR
- —
- Equity multiple
- 19.45×
- Total profit
- $77,470
- Equity at exit
- $2,237
- IRR
- —
- Equity multiple
- 41.57×
- Total profit
- $170,390
- Equity at exit
- $1,297
Cash invested: $4,200 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 18 Strongly Tenant-Friendly
- State California
- 18 Strongly Tenant-Friendly · D+13
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 95370
- Active inventory
- 301
- Price-to-rent
- 0.7×
Monthly cashflow live
- Estimated rent
- $1,700 medium interval (Pro) →
- Mortgage (P&I)
- −$79
- Tax from tax record
- −$4 /mo · $46/yr
- Insurance
- −$6
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$357
- Net cashflow
- $1,254
Break-even live
Sensitivity live
| Price | -10% $1,263 | -5% $1,258 | +0% $1,254 | +5% $1,250 | +10% $1,246 |
|---|---|---|---|---|---|
| Rent | -10% $1,120 | -5% $1,187 | +0% $1,254 | +5% $1,321 | +10% $1,389 |
| Rate | -1.0pp $1,262 | -0.5pp $1,258 | base $1,254 | +0.5pp $1,250 | +1.0pp $1,246 |
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
- $3,750
- Closing costs
- $450
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Listing history 28 events
-
2026-06-21days on market $15,000 Active 94 DOM
-
2026-06-19days on market $15,000 Active 92 DOM
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2026-06-18days on market $15,000 Active 91 DOM
-
2026-06-17days on market $15,000 Active 90 DOM
-
2026-06-16days on market $15,000 Active 89 DOM
-
2026-06-15days on market $15,000 Active 88 DOM
-
2026-06-14days on market $15,000 Active 86 DOM
-
2026-06-12days on market $15,000 Active 85 DOM
-
2026-06-10days on market $15,000 Active 83 DOM
-
2026-06-09days on market $15,000 Active 82 DOM
-
2026-06-08days on market $15,000 Active 81 DOM
-
2026-06-07days on market $15,000 Active 80 DOM
-
2026-06-05days on market $15,000 Active 77 DOM
-
2026-06-03days on market $15,000 Active 76 DOM
-
2026-06-02days on market $15,000 Active 75 DOM
-
2026-06-01days on market $15,000 Active 74 DOM
-
2026-05-31days on market $15,000 Active 73 DOM
-
2026-05-30days on market $15,000 Active 72 DOM
-
2026-05-20status Active
-
2026-04-23status Pending
-
2026-03-12price $15,000
-
2026-02-20$19,500 Active
-
2025-07-02soldstatus $15,000 Closed 484-char remark
Show marketing remark (484 chars)
Charming Vintage Mobile Home in 55+ Community Welcome to this cozy and well-maintained 1 bed, 1 bath vintage mobile home located in a peaceful senior park. Enjoy fresh interior and exterior paint and stylish luxury vinyl flooring throughout. Nestled in a beautifully landscaped, walkable community, this home offers both comfort and convenience. Ideally situated between downtown Sonora and historic Columbia, you’ll have easy access to shopping, dining, and local attractions.
-
2025-06-17status Pending 484-char remark
Show marketing remark (484 chars)
Charming Vintage Mobile Home in 55+ Community Welcome to this cozy and well-maintained 1 bed, 1 bath vintage mobile home located in a peaceful senior park. Enjoy fresh interior and exterior paint and stylish luxury vinyl flooring throughout. Nestled in a beautifully landscaped, walkable community, this home offers both comfort and convenience. Ideally situated between downtown Sonora and historic Columbia, you’ll have easy access to shopping, dining, and local attractions.
-
2025-05-31price $18,500 484-char remark
Show marketing remark (484 chars)
Charming Vintage Mobile Home in 55+ Community Welcome to this cozy and well-maintained 1 bed, 1 bath vintage mobile home located in a peaceful senior park. Enjoy fresh interior and exterior paint and stylish luxury vinyl flooring throughout. Nestled in a beautifully landscaped, walkable community, this home offers both comfort and convenience. Ideally situated between downtown Sonora and historic Columbia, you’ll have easy access to shopping, dining, and local attractions.
-
2025-04-21$22,000 Active 484-char remark
Show marketing remark (484 chars)
Charming Vintage Mobile Home in 55+ Community Welcome to this cozy and well-maintained 1 bed, 1 bath vintage mobile home located in a peaceful senior park. Enjoy fresh interior and exterior paint and stylish luxury vinyl flooring throughout. Nestled in a beautifully landscaped, walkable community, this home offers both comfort and convenience. Ideally situated between downtown Sonora and historic Columbia, you’ll have easy access to shopping, dining, and local attractions.
-
2018-08-31soldstatus $11,500 484-char remark
Show marketing remark (484 chars)
Welcome to Gold Rush Mobile Home Park, a quiet rent controlled Senior Park. Your 1962 Belvedere is a trip in the time machine. Bring your creativity and make it your private hide away. New carpet. New kitchen stove. Loads of built in cabinets. Conveniently located near fishing, flying and the Farmery (Market). Walk to the fascinating historic Columbia State Park. Storage and RV/Boat parking in storage lot available for rent. Coin laundry and clothes lines available on the campus.
-
2018-07-23$14,990 484-char remark
Show marketing remark (484 chars)
Welcome to Gold Rush Mobile Home Park, a quiet rent controlled Senior Park. Your 1962 Belvedere is a trip in the time machine. Bring your creativity and make it your private hide away. New carpet. New kitchen stove. Loads of built in cabinets. Conveniently located near fishing, flying and the Farmery (Market). Walk to the fascinating historic Columbia State Park. Storage and RV/Boat parking in storage lot available for rent. Coin laundry and clothes lines available on the campus.
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast CA · Resets to sale price
- Current annual tax
- $46 · $4/mo
- Projected year-2 tax
- $114 · $10/mo
- Expected delta
- +$68/yr (+$6/mo · 146.5%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
- Wildfire 8/10 Severe
- Heat 5/10 Major 6 d/yr ≥99°F today · 13 d/yr by 30 yrs out
- Wind 1/10 Low
- Air quality 10/10 Extreme 28 unhealthy d/yr today · 33 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $20,400
- − Mortgage interest
- −$840
- − Property taxes
- −$46
- − Insurance
- −$75
- − Repairs & maintenance
- −$1,632
- − Management
- −$1,632
- − Depreciation
- −$436
- Taxable income
- $15,738
- Est. tax owed @ 24.0%
- −$3,777
- After-tax cash flow
- $11,274/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
- Columbia Union
- NCES district ID
- 0609480
- Math proficiency
- 22% ▼ -10.00%
- Reading proficiency
- 31% ▼ -10.00%
- Median HH income
- $45,469
- Composite
- 22.83/100
- National rank
- #8013
- State rank
- #383 of 517 in CA
Livability — Columbia
- Score
- 51/100
- State rank
- #1080
- US rank
- #25332
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Columbia, CA
- Population (ZIP)
- 28,373
Population outlook (Tuolumne County) Hauer SSP2
- Today (2025)
- 50,349 people
- By 2030
- 48,708 · -3.3%
- By 2040
- 45,284 · -10.1%
- By 2050
- 42,575 · -15.4%
- By 2075
- 36,827 · -26.9%
- By 2100
- 30,369 · -39.7%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (82%)
- Race & ethnicity
- White 82% Hispanic / Latino 11% Two or more races 9% Asian 1% Native American 1%
- Hispanic origin (detail)
- Mexican 7% Puerto Rican 1%
- Common ancestry
- Italian 5% Russian 4% Slovak 3%
- Foreign-born
- 5% · Canada
- Languages at home
- 95% English-only · Spanish 3%
Political lean MEDSL · Tuolumne
- 2024 margin
- Strong R (+21.9) · D 37.9% · R 59.7% · Other 2.4%
- 2008→2024 swing
- -9.2pp toward R · 2008: -12.7pp · 2024: -21.9pp
- All cycles
- 2024: R+21.9 2020: R+18.8 2016: R+20.9 2012: R+15.9 2008: R+12.7
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -322.67%
- Current HPI
- 130.9637
- Rent YoY
- —
- Metro
- —
- State GDP YoY
- ▲ 3.21%
- F500 in state
- 116
Industry mix (Fortune 500 HQ in CA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Technology | 27 | $1,492B |
|
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| Financial Services | 3 | $174B |
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| Retail | 3 | $44B |
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| Insurance | 3 | $26B |
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| Media / Entertainment | 2 | $115B |
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| Pharmaceuticals / Biotech | 2 | $62B |
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Price history
+0.1% since first listed10 events — show timeline
- 2026-05-20 Relisted — bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2026-04-23 Pending — bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2026-03-12 Price Changed $15,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2026-02-20 Listed $19,500 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2025-07-02 Sold (MLS) $15,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2025-06-17 Pending — bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2025-05-31 Price Changed $18,500 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2025-04-21 Listed $22,000 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2018-08-31 Sold (MLS) $11,500 bridgeMLS, Bay East AOR, or Contra Costa AOR
- 2018-07-23 Listed $14,990 bridgeMLS, Bay East AOR, or Contra Costa AOR
Property tax history
+3.1%/yrLatest (2025): $46 · -0.4% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…