15682 Brookridge Blvd · Brookridge, FL 34613

$144,000

2 bd · 2.0 ba · 1,104 sqft · Manufactured public records · 16 Days on market

Manufactured home Built 1983 6,500 sqft lot Est $144k · at est. $55/mo HOA · 5% of rent

---

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 +9.6/30.0
• ARV discount +7.3/15.0
• Schools +4.2/10.0
• Livability +3.5/5.0
• 1% rule +3.3/10.0
• DSCR +2.7/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Brookridge Community Remodeled 2 Bedroom Home-Large Living Room- Eat In Kitchen- Dining Area- Primary Bedroom Has A Oversize Walk In Closet- Private Bathroom With A Shower Enclosure- Home Has A Newer Roof And Ac Unit- Kitchen And Guest Bathroom Were Remodeled- Newer Carpet And Flooring- Newer Vapor Barrier, Front Porch- Oversize Carport 35x11- Utility Room- Open Floor Plan Call Today For A Showing.

Key facts

• 6,500 sq ft lot
• Parking
• Built 1983

Property features AI

Finance

• Other: Total lot ~0.15 acre
• Financial info: Lease restrictions apply
• HOA & community: HOA: Brookridge (monthly fee $55, association approval required); Senior community; Pets allowed

Exterior

• Parking: Has carport (1 space)
• Utilities: Public water; Public sewer; Cable available
• Home design: Manufactured home (double wide); One story; Faces west; Residential property
• Construction: Vinyl siding and frame construction; Roof over; Crawlspace foundation; Built as double wide manufactured home
• Exterior features: Front porch; Rain gutters; Shed(s); Mature landscaping; Paved road access

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Open floor plan; Thermostat; Walk-in closet(s)
• Laundry & utility: Washer; Dryer; Other laundry features

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $144k.

Deal economics

• At list price, monthly cash flow is $-96 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $127k (11.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $120k (16.6% below list).
• Recommended offer: $120k (16.6% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#421 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, health & safety C-, amenities F.
• Hernando (suburban): math 50% / reading 50% proficiency, ranked #38 of 73 in FL (top 52%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Pine Grove Elementary School (math 60% / reading 45%, grade C-, #976 of 2,144 statewide, top 46%, 991 students, 60% FRL); West Hernando Middle School (math 36% / reading 37%, grade F, #405 of 571 statewide, top 72%, 695 students, 58% FRL); Central High School (math 34% / reading 44%, grade F, #312 of 667 statewide, top 48%, 1,426 students, 53% FRL) — zoned schools at 57% FRL track the district average.
• Market conditions: 702 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 2,505 units permitted in Hernando County in 2024 (318 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $996 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Hernando County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($142k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 25y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $60k; list at $144k implies a 140% 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; moderate wildfire risk; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $120,084 (16.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
5. 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?
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: 0.83% ✗
• Cap rate: 5.49%
• Cash-on-cash: -2.87%
• DSCR: 0.87
• GRM: 10.0

CMA / ARV

• ARV (on-the-fly): $143,520
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
15682 Brookridge Blvd	0.00mi	2/2.0	1,104 (0%)	0mo	$144,000	$130	100
9259 Salvini Dr	0.24mi	2/2.0	1,152 (+4%)	1mo	$165,000	$143	81
9847 Scepter Ave	0.05mi	2/2.0	1,248 (+13%)	1mo	$154,000	$123	75
9847 Scepter Ave	0.05mi	2/2.0	1,248 (+13%)	1mo	$154,000	$123	75
15712 Brookridge Blvd	0.09mi	2/2.0	1,246 (+13%)	2mo	$200,000	$161	72
9839 Scepter Ave	0.05mi	3/2.0 (+1)	960 (-13%)	2mo	$145,000	$151	70
14883 Rialto Ave	0.58mi	2/2.0	1,144 (+4%)	0mo	$148,000	$129	67
14986 Rialto Ave	0.45mi	2/2.0	1,188 (+8%)	2mo	$185,000	$156	65
14517 Rialto Ave	0.40mi	2/2.0	1,226 (+11%)	3mo	$152,500	$124	61
8223 Fortune Hunter Dr	0.73mi	2/2.0	1,176 (+6%)	1mo	$100,000	$85	54
15472 Brookridge Blvd	0.40mi	3/2.0 (+1)	960 (-13%)	3mo	$166,000	$173	52
8271 Modena Ave	0.69mi	2/2.0	1,265 (+15%)	0mo	$107,000	$85	43

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

5-year hold

• IRR: -21.0%
• Equity multiple: 0.27×
• Total profit: $-29,424
• Equity at exit: $21,471

10-year hold

• IRR: -14.4%
• Equity multiple: 0.17×
• Total profit: $-33,327
• Equity at exit: $12,450

Cash invested: $40,320 (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 34613

• Home prices YoY: -17.2%
• Active inventory: 702
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,201 high
• Mortgage (P&I): −$755
• Tax from tax record: −$175 /mo · $2,099/yr
• Insurance: −$60
• HOA: −$55
• Lot rent leased land?: −$0
• Vacancy / Maint / Mgmt: −$252
• Net cashflow: $-96

Break-even live

Break-even rent $1,323

Max offer price $126,975

Occupancy floor —

Sensitivity live

Price	-10% $-15	-5% $-56	+0% $-96	+5% $-137	+10% $-178
Rent	-10% $-191	-5% $-144	+0% $-96	+5% $-49	+10% $-2
Rate	-1.0pp $-24	-0.5pp $-60	base $-96	+0.5pp $-134	+1.0pp $-172

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: $36,000
• Closing costs: $4,320
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9919 Scepter Ave Brooksville, FL	3.0	2.0	1188	$1,250	$1.05	7d	1	0.18mi
15466 Brookridge Blvd Brooksville, FL	2.0	2.0	828	$1,225	$1.48	26d	1	0.43mi
8871 Southern Charm Cir Brooksville, FL	3.0	2.0	1482	$2,050	$1.38	26d	1	0.58mi
8917 Southern Charm Cir Brooksville, FL	3.0	2.0	1437	$1,695	$1.18	6d	1	0.60mi
8407 Weatherford Ave Brooksville, FL	2.0	2.0	1104	$1,500	$1.36	20d	1	0.71mi
14342 Starcross St Brooksville, FL	2.0	1.0	900	$1,025	$1.14	24d	1	1.11mi
14697 Brookridge Blvd Brooksville, FL	2.0	2.0	1056	$1,350	$1.28	26d	1	1.40mi

HOA detail

• Monthly dues: $55 · $660/yr

Listing history 19 events

1. 2026-05-01
   status Pending 403-char remark

   Show marketing remark (403 chars)

   Brookridge Community Remodeled 2 Bedroom Home-Large Living Room- Eat In Kitchen- Dining Area- Primary Bedroom Has A Oversize Walk In Closet- Private Bathroom With A Shower Enclosure- Home Has A Newer Roof And Ac Unit- Kitchen And Guest Bathroom Were Remodeled- Newer Carpet And Flooring- Newer Vapor Barrier, Front Porch- Oversize Carport 35x11- Utility Room- Open Floor Plan Call Today For A Showing.

2. 2026-05-01
   status Pending

   Show marketing remark (403 chars)

   Brookridge Community Remodeled 2 Bedroom Home-Large Living Room- Eat In Kitchen- Dining Area- Primary Bedroom Has A Oversize Walk In Closet- Private Bathroom With A Shower Enclosure- Home Has A Newer Roof And Ac Unit- Kitchen And Guest Bathroom Were Remodeled- Newer Carpet And Flooring- Newer Vapor Barrier, Front Porch- Oversize Carport 35x11- Utility Room- Open Floor Plan Call Today For A Showing.

3. 2026-04-21
   status Active 403-char remark

   Show marketing remark (403 chars)

   Brookridge Community Remodeled 2 Bedroom Home-Large Living Room- Eat In Kitchen- Dining Area- Primary Bedroom Has A Oversize Walk In Closet- Private Bathroom With A Shower Enclosure- Home Has A Newer Roof And Ac Unit- Kitchen And Guest Bathroom Were Remodeled- Newer Carpet And Flooring- Newer Vapor Barrier, Front Porch- Oversize Carport 35x11- Utility Room- Open Floor Plan Call Today For A Showing.

4. 2026-04-21
   status Active

   Show marketing remark (403 chars)

   Brookridge Community Remodeled 2 Bedroom Home-Large Living Room- Eat In Kitchen- Dining Area- Primary Bedroom Has A Oversize Walk In Closet- Private Bathroom With A Shower Enclosure- Home Has A Newer Roof And Ac Unit- Kitchen And Guest Bathroom Were Remodeled- Newer Carpet And Flooring- Newer Vapor Barrier, Front Porch- Oversize Carport 35x11- Utility Room- Open Floor Plan Call Today For A Showing.

5. 2026-04-16
   status Pending 403-char remark

   Show marketing remark (403 chars)

   Brookridge Community Remodeled 2 Bedroom Home-Large Living Room- Eat In Kitchen- Dining Area- Primary Bedroom Has A Oversize Walk In Closet- Private Bathroom With A Shower Enclosure- Home Has A Newer Roof And Ac Unit- Kitchen And Guest Bathroom Were Remodeled- Newer Carpet And Flooring- Newer Vapor Barrier, Front Porch- Oversize Carport 35x11- Utility Room- Open Floor Plan Call Today For A Showing.

6. 2026-04-16
   status Pending

   Show marketing remark (403 chars)

   Brookridge Community Remodeled 2 Bedroom Home-Large Living Room- Eat In Kitchen- Dining Area- Primary Bedroom Has A Oversize Walk In Closet- Private Bathroom With A Shower Enclosure- Home Has A Newer Roof And Ac Unit- Kitchen And Guest Bathroom Were Remodeled- Newer Carpet And Flooring- Newer Vapor Barrier, Front Porch- Oversize Carport 35x11- Utility Room- Open Floor Plan Call Today For A Showing.

7. 2026-04-10
   listed $144,000 Active 403-char remark

   Show marketing remark (403 chars)

   Brookridge Community Remodeled 2 Bedroom Home-Large Living Room- Eat In Kitchen- Dining Area- Primary Bedroom Has A Oversize Walk In Closet- Private Bathroom With A Shower Enclosure- Home Has A Newer Roof And Ac Unit- Kitchen And Guest Bathroom Were Remodeled- Newer Carpet And Flooring- Newer Vapor Barrier, Front Porch- Oversize Carport 35x11- Utility Room- Open Floor Plan Call Today For A Showing.

8. 2026-04-10
   listed $144,000 Active

   Show marketing remark (403 chars)

   Brookridge Community Remodeled 2 Bedroom Home-Large Living Room- Eat In Kitchen- Dining Area- Primary Bedroom Has A Oversize Walk In Closet- Private Bathroom With A Shower Enclosure- Home Has A Newer Roof And Ac Unit- Kitchen And Guest Bathroom Were Remodeled- Newer Carpet And Flooring- Newer Vapor Barrier, Front Porch- Oversize Carport 35x11- Utility Room- Open Floor Plan Call Today For A Showing.

9. 2016-04-11
   soldstatus $60,000
10. 2016-04-08
    soldstatus $60,000 173-char remark

    Show marketing remark (173 chars)

    Furnished home on an over size lot. The home has a roof-over, newer a/c, large shed, nice sunroom, great front porch and is move in ready at a great price. Come take a look.

11. 2016-04-08
    soldstatus $60,000

    Show marketing remark (173 chars)

    Furnished home on an over size lot. The home has a roof-over, newer a/c, large shed, nice sunroom, great front porch and is move in ready at a great price. Come take a look.

12. 2016-01-27
    listed $63,500 173-char remark

    Show marketing remark (173 chars)

    Furnished home on an over size lot. The home has a roof-over, newer a/c, large shed, nice sunroom, great front porch and is move in ready at a great price. Come take a look.

13. 2016-01-27
    listed $63,500

    Show marketing remark (173 chars)

    Furnished home on an over size lot. The home has a roof-over, newer a/c, large shed, nice sunroom, great front porch and is move in ready at a great price. Come take a look.

14. 2005-08-01
    soldstatus $83,000
15. 2005-05-16
    listed $85,000
16. 2001-11-15
    soldstatus $51,000
17. 2001-11-09
    soldstatus $51,000
18. 2001-05-23
    listed $58,900
19. 1983-04-01
    soldstatus $7,100

ⓘ 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: $2,099 · $175/mo
• Projected year-2 tax: $2,099 · $175/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 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 26 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,410
• − Mortgage interest: −$8,066
• − Property taxes: −$2,099
• − Insurance: −$720
• − Repairs & maintenance: −$1,153
• − Management: −$1,153
• − HOA: −$660
• − Depreciation: −$4,189
• Taxable loss: −$3,630
• Est. tax savings @ 24.0%: +$871
• After-tax cash flow: $-285/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: Hernando
• NCES district ID: 1200810
• Math proficiency: 50% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $41,985
• Composite: 42.03/100
• National rank: #3329
• State rank: #38 of 73 in FL

Livability — Brookridge

• Score: 70/100
• State rank: #421
• US rank: #7529

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Brookridge, FL
• County: Hernando County · 169,677 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 19,337
• Household income: $58,596
• Rent vs Own: 9.2% rent · 90.8% own
• Severe rent burden: 307.0

Population outlook (Hernando County) Hauer SSP2

• Today (2025): 189,218 people
• By 2030: 194,367 · +2.7%
• By 2040: 203,398 · +7.5%
• By 2050: 209,589 · +10.8%
• By 2075: 218,452 · +15.4%
• By 2100: 205,923 · +8.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Hispanic / Latino 6% Two or more races 4% Black 2% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 92% English-only · Spanish 3% French/Haitian/Cajun 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Hernando

• 2024 margin: Solid R (+37.0) · D 31.1% · R 68.2%
• 2008→2024 swing: -33.5pp toward R · 2008: -3.6pp · 2024: -37.0pp
• All cycles: 2024: R+37.0 2020: R+30.2 2016: R+29.0 2012: R+8.5 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -57.51%
• Current HPI: 276.2229
• Rent YoY: —
• 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

+1928.2% since first listed

19 events — show timeline

• 2026-05-01 Pending — HCAR
• 2026-05-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-21 Relisted — HCAR
• 2026-04-21 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-16 Pending — HCAR
• 2026-04-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-10 Listed $144,000 HCAR
• 2026-04-10 Listed $144,000 Stellar MLS as Distributed by MLS Grid
• 2016-04-11 Sold (Public Records) $60,000 Public Records
• 2016-04-08 Sold (MLS) $60,000 St. Augustine and St. Johns County Board of REALTORS®
• 2016-04-08 Sold (MLS) $60,000 HCAR
• 2016-01-27 Listed $63,500 St. Augustine and St. Johns County Board of REALTORS®
• 2016-01-27 Listed $63,500 HCAR
• 2005-08-01 Sold (MLS) $83,000 HCAR
• 2005-05-16 Listed $85,000 HCAR
• 2001-11-15 Sold (Public Records) $51,000 Public Records
• 2001-11-09 Sold (MLS) $51,000 HCAR
• 2001-05-23 Listed $58,900 HCAR
• 1983-04-01 Sold (Public Records) $7,100 Public Records

Property tax history

+17.0%/yr

Latest (2025): $2,099 · +210.5% YoY. Source: county tax records.