1114 Lintz Ln · Lady Lake, FL 32159

$149,000

2 bd · 2.0 ba · 1,144 sqft · Manufactured public records · 26 Days on market

Built 1986 5,738 sqft lot Est $255k · 42% under $204/mo HOA · 10% of rent

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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 +29.5/30.0
• ARV discount +15.0/15.0
• DSCR +10.0/10.0
• 1% rule +9.2/10.0
• Schools +4.2/10.0
• Rent growth +3.5/5.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Auction Property. AUCTION PROPERTY - THIS PROPERTY HAS BEEN PLACED IN AN UPCOMING ONLINE EVENT. ALL PROPERTIES SUBJECT TO A BUYER PREMIUM. THIS IS AN * * OCCUPIED * * BANK OWNED PROPERTY THAT IS GOING UNDER AUCTION. SOLD AS-IS WITH NO ACCOMMODATION FOR ACCESS OR INSPECTIONS. Mandatory Amenity Fee to The Villages $204/month. BIDDING EVENT START DATE 6/27/2026 AND ENDS 6/30/2026. ALL INFORMATION CONTAINED IN THIS LISTING IS BELIEVED TO BE CORRECT AT THE TIME OF ENTRY, BUT NOT GUARANTEED.

Key facts

• 5,738 sq ft lot
• Parking
• Built 1986

Property features AI

Finance

• Other: Property type: Residential; Property subtype: Mobile Home; Sold as-is with no accommodation for access or inspections; Homestead exempt
• Financial info: Total annual fees: $2,448 (monthly equivalent $204)
• HOA & community: No association fees required; Senior community

Exterior

• Parking: Carport with 1 space
• Utilities: Public water; Private sewer; Other utilities
• Home design: Mobile Home (double wide); One story; Faces north
• Construction: Metal frame and frame construction; Other roof type; Crawlspace foundation; Built on a 0.13-acre lot (approx. 61 x 96)
• Exterior features: Other exterior features; Paved road access

Interior

• Kitchen: Other appliances
• Bedrooms: 2 bedrooms
• Flooring: Other flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Other heating; Other cooling
• Interior features: Other interior features
• Laundry & utility: Other laundry features

🏷️ Possibly a rental listed for sale. The $149,000 price doesn't fit this home's estimated sale value (~$255,112) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $149k.

Deal economics

• At list price, monthly cash flow is $535 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).
• Recommended offer: $147k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.6% vs local median 4.1% in Lady Lake — 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 69/100 on livability (#457 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: employment D, amenities F, commute F.
• Lake (suburban): math 49% / reading 50% proficiency, ranked #37 of 73 in FL (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising fast (+4.0%/yr); 576 active listings in the ZIP; 16 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 4,799 units permitted in Lake County in 2024 (814 in 5+ unit buildings).
• This rent runs 43% of the median local income ($59k/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.
• Lake County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 4.0% rent growth), your $42k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 26 days — a 2% lower offer ($147k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $80k; list at $149k implies a 86% 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; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $146,765 (1.5% below list)

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. Schools are B-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?
4. 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.
5. 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.
6. 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: 1.42% ✓
• Cap rate: 10.60%
• Cash-on-cash: 15.38%
• DSCR: 1.68
• GRM: 5.9

CMA / ARV

• ARV (on-the-fly): $255,112
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1620 W Schwartz Blvd	0.15mi	2/2.0	1,008 (-12%)	0mo	$225,000	$223	73
813 Saint Andrews Blvd	0.57mi	2/2.0	1,191 (+4%)	6mo	$152,000	$128	62
814 Orchid St	0.64mi	2/2.0	1,040 (-9%)	3mo	$260,000	$250	52
726 Orchid St	0.75mi	2/2.0	1,040 (-9%)	5mo	$205,000	$197	46

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 · 4.03% rent growth · sell at horizon

5-year hold

• IRR: 7.4%
• Equity multiple: 1.29×
• Total profit: $12,209
• Equity at exit: $22,216

10-year hold

• IRR: 17.7%
• Equity multiple: 2.54×
• Total profit: $64,114
• Equity at exit: $12,883

Cash invested: $41,720 (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 32159

• Home prices YoY: -16.0%
• Rents YoY: 4.0%
• Active inventory: 576
• Price-to-rent: 5.9×

Monthly cashflow live

• Estimated rent: $2,109 high
• Mortgage (P&I): −$781
• Tax from tax record: −$84 /mo · $1,007/yr
• Insurance: −$62
• HOA: −$204
• Vacancy / Maint / Mgmt: −$443
• Net cashflow: $535

Break-even live

Break-even rent $1,432

Max offer price $149,000

Occupancy floor 70%

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1532 W Schwartz Blvd Lady Lake, FL	2.0	2.0	1092	$2,950	$2.70	23d	1	0.14mi
13740 Lead LN The Villages, FL	1.0–3.0	1.0–2.0	1029	$1,720	$1.67	20d	38	0.27mi
13765 NE 136th Loop Lady Lake, FL	1.0–3.0	1.0–2.0	1078	$1,639	$1.52	20d	36	0.29mi
1430 W Schwartz Blvd Lady Lake, FL	2.0	2.0	1377	$2,500	$1.82	23d	1	0.32mi
909 Orchid St Lady Lake, FL	2.0	1.0	936	$1,600	$1.71	23d	1	0.56mi
1715 Pebble Beach Ln Lady Lake, FL	2.0	2.0	1040	$3,500	$3.37	23d	1	0.71mi
739 Heathrow Ave Lady Lake, FL	2.0	2.0	1040	$2,250	$2.16	1d	1	0.74mi
1540 Hillcrest Dr Lady Lake, FL	2.0	2.0	1200	$1,600	$1.33	23d	1	0.75mi
17472 SE 121st Cir Summerfield, FL	3.0	2.0	1330	$1,950	$1.47	13d	1	0.92mi
13957 County Road 109D Lady Lake, FL	2.0	2.0	1482	$1,650	$1.11	20d	1	0.98mi
1377 Camero Dr Lady Lake, FL	3.0	2.0	1462	$5,500	$3.76	20d	1	1.03mi
1214 Dustin Dr Lady Lake, FL	2.0	2.0	1040	$1,400	$1.35	23d	1	1.10mi
943 Mendoza Blvd Lady Lake, FL	2.0	2.0	1268	$5,800	$4.57	23d	1	1.18mi
1304 Santa Rosa Ct Lady Lake, FL	2.0	2.0	1286	$4,500	$3.50	20d	1	1.26mi
1524 Martinez Dr Lady Lake, FL	2.0	2.0	1199	$2,095	$1.75	20d	1	1.33mi
1222 Palmetto Dr Lady Lake, FL	2.0	2.0	1248	$1,700	$1.36	23d	1	1.39mi

HOA detail

• Monthly dues: $204 · $2,448/yr

Listing history 16 events

1. 2026-06-18
   days on market $149,000 Active 26 DOM
2. 2026-06-17
   days on market $149,000 Active 25 DOM
3. 2026-06-16
   days on market $149,000 Active 24 DOM
4. 2026-06-15
   days on market $149,000 Active 23 DOM
5. 2026-06-13
   days on market $149,000 Active 21 DOM
6. 2026-06-09
   days on market $149,000 Active 17 DOM
7. 2026-06-08
   days on market $149,000 Active 16 DOM
8. 2026-06-07
   days on market $149,000 Active 15 DOM
9. 2026-06-04
   days on market $149,000 Active 12 DOM
10. 2026-06-03
    days on market $149,000 Active 11 DOM
11. 2026-06-02
    days on market $149,000 Active 10 DOM
12. 2026-06-01
    days on market $149,000 Active 9 DOM
13. 2026-05-31
    days on market $149,000 Active 8 DOM
14. 2026-05-23
    listed $149,000 Active
15. 2002-08-27
    soldstatus $80,000
16. 1986-02-01
    soldstatus $12,000

ⓘ 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: $1,007 · $84/mo
• Projected year-2 tax: $1,237 · $103/mo
• Expected delta: +$230/yr (+$19/mo · 22.8%)

ⓘ 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 9/10 Extreme 7 d/yr ≥109°F today · 21 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,306
• − Mortgage interest: −$8,346
• − Property taxes: −$1,007
• − Insurance: −$745
• − Repairs & maintenance: −$2,025
• − Management: −$2,025
• − HOA: −$2,448
• − Depreciation: −$4,335
• Taxable income: $4,377
• Est. tax owed @ 24.0%: −$1,050
• After-tax cash flow: $5,365/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: Lake
• NCES district ID: 1201050
• Math proficiency: 49% ▼ -7.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $46,632
• Composite: 42.05/100
• National rank: #3327
• State rank: #37 of 73 in FL

Livability — Lady Lake

• Score: 69/100
• State rank: #457
• US rank: #8302

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lady Lake, FL
• County: Lake County · 364,602 people
• City population: 32,107
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 32,107
• Household income: $58,518
• Rent vs Own: 17.6% rent · 82.4% own
• Severe rent burden: 1047.0

Population outlook (Lake County) Hauer SSP2

• Today (2025): 386,640 people
• By 2030: 417,107 · +7.9%
• By 2040: 476,676 · +23.3%
• By 2050: 531,296 · +37.4%
• By 2075: 648,303 · +67.7%
• By 2100: 698,530 · +80.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 6% Two or more races 5% Black 4% Asian 1%
• Hispanic origin (detail): Puerto Rican 3%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 3%
• Foreign-born: 5% · Canada, Jamaica
• Languages at home: 93% English-only · Spanish 4% German/W. Germanic 1% Other Indo-European 1%

Political lean MEDSL · Lake

• 2024 margin: Strong R (+24.7) · D 37.3% · R 62.0%
• 2008→2024 swing: -11.2pp toward R · 2008: -13.5pp · 2024: -24.7pp
• All cycles: 2024: R+24.7 2020: R+20.0 2016: R+23.1 2012: R+17.1 2008: R+13.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -45.24%
• Current HPI: 237.6208
• Rent YoY: ▲ 4.03%
• Metro: Orlando-Kissimmee-Sanford, 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

+1141.7% since first listed

3 events — show timeline

• 2026-05-23 Listed $149,000 Stellar MLS as Distributed by MLS Grid
• 2002-08-27 Sold (Public Records) $80,000 Public Records
• 1986-02-01 Sold (Public Records) $12,000 Public Records

Property tax history

+8.8%/yr

Latest (2025): $1,007 · +34.3% YoY. Source: county tax records.