5316 53rd Ave E Unit F43 · Bradenton, FL 34203

$89,500

3 bd · 1.0 ba · 720 sqft · Manufactured public records · 246 Days on market

Built 1972 $300/mo HOA

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.0/15.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

BRAND NEW A/C OCT 2025! Welcome to Westwinds Village, a charming 55+ age-qualified cooperative community in Bradenton, Florida. This is NOT LOT RENT, and the sales price includes a share in the community! This community has a great location on US-70, with quick access to the Gulf beaches, or to I-75. There are two entrances to the community, and there is a traffic light available as well for less stress! This home is located near the back entrance to the community, and is also close to the office and clubhouse! It's a single wide, but don't let that fool you. This is a TRUE 3 bedroom / 2 bathroom home! The carport isn't missing from the storm; this home never had one! You could add one if y

Key facts

• Pool
• Fully furnished
• Screened in lanai

Tags

• GREAT LOCATION ON US-70
• QUICK ACCESS TO GULF BEACHES
• SCREENED IN LANAI
• FULLY FURNISHED
• AMENITY RICH COMMUNITY
• POOL

Property features AI

Finance

• Other: Property type: Residential mobile home; Property sub type: Mobile Home; Lot size approximately 0.09 acres; Zoning: AFR4B; Living area 720 sq ft (per public records); Building area total 1,040 sq ft (per public records); Total rooms: 9; Universal property id available
• Financial info: Turnkey (furnished); Total annual fees $3,600
• HOA & community: Westwinds Village community; Monthly association fee $300; Association amenities: Clubhouse, Fitness Center, Pool, Laundry, Park, Recreation Facilities, Shuffleboard Court, Fence restrictions; Senior community; Dogs allowed; Golf carts allowed

Exterior

• Utilities: Public water; Septic tank; Electricity connected; Water connected; Sewer connected
• Home design: Residential mobile home (single wide); One story; North facing; Entry level: One
• Construction: Vinyl siding; Other roof type; Crawlspace foundation; Built on single wide manufactured body type
• Exterior features: Exterior lighting; Asphalt/paved road access

Interior

• Kitchen: Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Linoleum
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans; Eat-in kitchen; Open floorplan; Split bedroom layout; Thermostat; Window treatments
• Laundry & utility: Laundry inside; Electric water heater

🏢 Co-op / cooperative unit. The $89,500 price buys shares in the cooperative corporation, not the real estate itself — so it isn't comparable to a fee-simple sale price, and the cashflow / cap-rate / 1%-rule cards below (which assume you own the property and can rent it out) don't apply here. Expect board approval and a monthly maintenance fee on top of the price.

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath manufactured listed at $90k.

Deal economics

• At list price, monthly cash flow is $857 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $90k).
• Recommended offer: $79k (12.0% below list) — sets the bar for market timing.
• Cap rate 17.8% vs local median 3.6% in Bradenton — 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 81/100 on livability (#101 in FL, #1,528 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, crime D, amenities F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents soft (-1.0%/yr); 384 active listings in the ZIP; 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• This rent runs 37% of the median local income ($71k/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 $619 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $25k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 246 days — a 12% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 2y ago; this cycle's ask has dropped $10k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $20k; list at $90k implies a 348% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $78,760 (12.0% below list)

Questions for the listing agent

1. It's been on market 246 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 1972 — 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. 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?
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: 2.46% ✓
• Cap rate: 17.78%
• Cash-on-cash: 41.02%
• DSCR: 2.83
• GRM: 3.4

CMA / ARV

• ARV (on-the-fly): $88,560
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5316 53 Ave E Unit I5	0.10mi	2/1.0 (-1)	690 (-4%)	3mo	$84,900	$123	81
5316 53rd Ave E Unit E2	0.15mi	2/2.0 (-1)	736 (+2%)	1mo	$75,000	$102	80
5316 53rd Ave E Unit I10	0.13mi	2/1.5 (-1)	744 (+3%)	8mo	$98,000	$132	75
5316 53rd Ave E Unit M4	0.27mi	2/1.0 (-1)	672 (-7%)	3mo	$73,000	$109	69
5316 53rd Ave E Unit B6	0.14mi	2/1.0 (-1)	672 (-7%)	10mo	$50,000	$74	69
5316 53rd Ave E Unit F40	0.03mi	2/2.0 (-1)	792 (+10%)	9mo	$108,000	$136	66
5316 53rd Ave E Unit Q6	0.25mi	2/1.0 (-1)	672 (-7%)	10mo	$80,000	$119	64
5316 53rd Ave E Unit K29	0.21mi	2/2.0 (-1)	672 (-7%)	10mo	$111,000	$165	62
5316 53rd Ave E Unit Q8	0.27mi	2/1.0 (-1)	672 (-7%)	12mo	$99,000	$147	61
5316 53rd Ave E Unit A3	0.19mi	2/2.0 (-1)	768 (+7%)	12mo	$65,000	$85	61
5316 53rd Ave E Unit K4	0.21mi	3/2.0	792 (+10%)	12mo	$85,000	$107	60
5707 45th St E #81	0.61mi	2/2.0 (-1)	736 (+2%)	6mo	$105,000	$143	54

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: 33.6%
• Equity multiple: 2.35×
• Total profit: $33,809
• Equity at exit: $13,345

10-year hold

• IRR: 38.6%
• Equity multiple: 4.02×
• Total profit: $75,573
• Equity at exit: $7,738

Cash invested: $25,060 (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 34203

• Home prices YoY: -24.5%
• Rents YoY: -1.0%
• Active inventory: 384
• Price-to-rent: 3.4×

Monthly cashflow live

• Estimated rent: $2,200 medium
• Mortgage (P&I): −$469
• Tax from tax record: −$75 /mo · $898/yr
• Insurance: −$37
• HOA: −$300
• Vacancy / Maint / Mgmt: −$462
• Net cashflow: $857

Break-even live

Break-even rent $1,116

Max offer price $89,500

Occupancy floor 56%

Sensitivity live

Price	-10% $907	-5% $882	+0% $857	+5% $831	+10% $806
Rent	-10% $683	-5% $770	+0% $857	+5% $944	+10% $1,031
Rate	-1.0pp $902	-0.5pp $879	base $857	+0.5pp $834	+1.0pp $810

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: $22,375
• Closing costs: $2,685
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $300 · $3,600/yr

Listing history 23 events

1. 2026-06-18
   days on market $89,500 Active 246 DOM
2. 2026-06-17
   days on market $89,500 Active 245 DOM
3. 2026-06-16
   days on market $89,500 Active 244 DOM
4. 2026-06-15
   days on market $89,500 Active 243 DOM
5. 2026-06-13
   days on market $89,500 Active 241 DOM
6. 2026-06-13
   days on market $89,500 Active 240 DOM
7. 2026-06-10
   days on market $89,500 Active 238 DOM
8. 2026-06-09
   days on market $89,500 Active 237 DOM
9. 2026-06-08
   days on market $89,500 Active 236 DOM
10. 2026-06-08
    days on market $89,500 Active 235 DOM
11. 2026-06-03
    days on market $89,500 Active 231 DOM
12. 2026-06-02
    days on market $89,500 Active 230 DOM
13. 2026-06-01
    days on market $89,500 Active 229 DOM
14. 2026-05-31
    days on market $89,500 Active 228 DOM
15. 2026-04-01
    status Active
16. 2026-03-31
    historical
17. 2025-12-30
    price $89,500
18. 2025-10-14
    listed $99,500 Active
19. 2025-08-01
    historical
20. 2025-05-13
    status Active
21. 2025-04-30
    historical
22. 2024-12-18
    listed $99,900 Active
23. 1991-12-17
    soldstatus $20,000

ⓘ 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: $898 · $75/mo
• Projected year-2 tax: $898 · $75/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 6/10 Major FEMA zone X (unshaded) · 68% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 30 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $26,402
• − Mortgage interest: −$5,013
• − Property taxes: −$898
• − Insurance: −$448
• − Repairs & maintenance: −$2,112
• − Management: −$2,112
• − HOA: −$3,600
• − Depreciation: −$2,604
• Taxable income: $9,616
• Est. tax owed @ 24.0%: −$2,308
• After-tax cash flow: $7,973/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: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — Bradenton

• Score: 81/100
• State rank: #101
• US rank: #1528

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Manatee County · 416,364 people
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 40,618
• Household income: $70,761
• Rent vs Own: 27.3% rent · 72.7% own
• Severe rent burden: 1469.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (65%)
• Race & ethnicity: White 65% Hispanic / Latino 19% Two or more races 12% Black 9% Asian 5%
• Hispanic origin (detail): Mexican 9% Puerto Rican 3% Cuban 2% Dominican 1%
• Common ancestry: Lithuanian 3% Romanian 3% Slovak 2%
• Foreign-born: 17% · Canada, Vietnam, Dominican Republic
• Languages at home: 76% English-only · Spanish 16% Vietnamese 2% Other Indo-European 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.87%
• Current HPI: 295.8871
• Rent YoY: ▼ -0.97%
• Metro: North Port-Sarasota-Bradenton, 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

+347.5% since first listed

9 events — show timeline

• 2026-04-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-12-30 Price Changed $89,500 Stellar MLS as Distributed by MLS Grid
• 2025-10-14 Listed $99,500 Stellar MLS as Distributed by MLS Grid
• 2025-08-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-05-13 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-04-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-12-18 Listed $99,900 Stellar MLS as Distributed by MLS Grid
• 1991-12-17 Sold (Public Records) $20,000 Public Records

Property tax history

+4.7%/yr

Latest (2025): $898 · +0.0% YoY. Source: county tax records.