5316 53rd Ave E Unit H2 · Samoset, FL 34203

$124,900

2 bd · 1.0 ba · 1,344 sqft · Manufactured public records · 145 Days on market

Built 1974 $300/mo HOA ↓ 17% since listing

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.4/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

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! There is a nice lanai for outside living, including a storage shed. Inside, the front half of the home is the living space, and the bedrooms are in the back. The kitchen is open with a designated eating spa

Key facts

• Nice lanai
• 3,642 sq ft lot
• Community pool

Tags

• GREAT LOCATION ON US-70
• QUICK ACCESS TO GULF BEACHES
• TRAFFIC LIGHT AVAILABLE
• CLOSE TO OFFICE AND CLUBHOUSE
• NICE LANAI
• DESIGNATED EATING SPACE

Property features AI

Finance

• Other: Partially furnished; Total building area approximately 1,520 sq ft (public records); Living area approximately 1,344 sq ft (public records); Lot size about 0.08 acres; Located in a planned unit development
• HOA & community: Member of Westwinds village HOA — $300 monthly; Community clubhouse; Community fitness center; Community pool; Golf carts allowed; Senior community; Pets allowed (dogs OK)

Exterior

• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected
• Home design: Manufactured double-wide home; Single-story; Faces north; Entry level: One
• Construction: Metal siding; Other roof; Crawlspace foundation; Built as a manufactured home
• Exterior features: Other exterior features

Interior

• Kitchen: Range; Microwave; Refrigerator; Dishwasher
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Ductless heating; Wall/window air conditioning units
• Interior features: Ceiling fans; Walk-in closet(s)
• Laundry & utility: Washer; Dryer; Laundry inside

🏢 Co-op / cooperative unit. The $124,900 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 2-bed/1.0-bath manufactured listed at $125k.

Deal economics

• At list price, monthly cash flow is $743 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.4% vs local median 4.3% in Samoset — 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 65/100 on livability (#645 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools D+, amenities F, commute 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; 28 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• This rent runs 39% 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 $864 of loan paydown is wiped out by about $4k 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 $35k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 145 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $109,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 145 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 1974 — 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. 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?
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: 1.82% ✓
• Cap rate: 13.43%
• Cash-on-cash: 25.48%
• DSCR: 2.13
• GRM: 4.6

CMA / ARV

• ARV (on-the-fly): $172,032
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5316 53rd Ave E Unit C20	0.04mi	2/2.0	1,323 (-2%)	1mo	$150,000	$113	91
5316 53rd Ave E Unit A43	0.13mi	3/2.0 (+1)	1,344 (0%)	4mo	$70,000	$52	82
5316 53rd Ave E Unit K12	0.07mi	2/1.5	1,216 (-10%)	1mo	$130,000	$107	78
5316 53rd Ave E Unit E10	0.14mi	3/2.0 (+1)	1,415 (+5%)	1mo	$246,000	$174	75
5316 53rd Ave E Unit N16	0.21mi	2/2.0	1,436 (+7%)	2mo	$170,000	$118	73
5316 53rd Ave E Unit X7	0.13mi	2/2.0	1,215 (-10%)	3mo	$155,000	$128	71
5316 53rd Ave E Unit B4	0.06mi	2/2.0	1,527 (+14%)	5mo	$225,000	$147	66
5707 45th St E #143	0.53mi	3/2.0 (+1)	1,352 (+1%)	2mo	$218,000	$161	64
5707 45th St E #98	0.53mi	2/2.0	1,290 (-4%)	2mo	$165,000	$128	63
5707 45th St E #223	0.53mi	3/2.0 (+1)	1,404 (+4%)	4mo	$225,000	$160	55
5707 45th St E #154	0.53mi	2/2.0	1,508 (+12%)	6mo	$190,000	$126	46
5707 45th St E #293	0.53mi	2/2.0	1,512 (+12%)	6mo	$140,000	$93	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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 15.3%
• Equity multiple: 1.59×
• Total profit: $20,537
• Equity at exit: $18,623

10-year hold

• IRR: 21.3%
• Equity multiple: 2.53×
• Total profit: $53,617
• Equity at exit: $10,799

Cash invested: $34,972 (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 34203

• Home prices YoY: -24.5%
• Rents YoY: -1.0%
• Active inventory: 384
• Price-to-rent: 4.6×

Monthly cashflow live

• Estimated rent: $2,277 high
• Mortgage (P&I): −$655
• Tax from tax record: −$49 /mo · $590/yr
• Insurance: −$52
• HOA: −$300
• Vacancy / Maint / Mgmt: −$478
• Net cashflow: $743

Break-even live

Break-even rent $1,337

Max offer price $124,900

Occupancy floor 62%

Sensitivity live

Price	-10% $813	-5% $778	+0% $743	+5% $707	+10% $672
Rent	-10% $563	-5% $653	+0% $743	+5% $833	+10% $922
Rate	-1.0pp $805	-0.5pp $774	base $743	+0.5pp $710	+1.0pp $677

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: $31,225
• Closing costs: $3,747
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5316 53rd Ave E Unit Q111 Bradenton, FL	2.0	2.0	1056	$1,495	$1.42	11d	1	0.08mi
5616 Gentle Breeze St Bradenton, FL	2.0	2.0	1100	$1,700	$1.55	25d	1	0.14mi
5547 West Pl Unit C-1 Bradenton, FL	2.0	2.0	1652	$3,600	$2.18	25d	1	0.20mi
5650 Simonton St Bradenton, FL	2.0	2.5	1496	$2,095	$1.40	4d	1	0.26mi
5635 Whitehead St Bradenton, FL	2.0	2.5	1496	$2,300	$1.54	25d	1	0.30mi
5707 45th St E #19 Bradenton, FL	2.0	2.0	972	$1,700	$1.75	25d	1	0.52mi
5016 Misty Canal Pl Bradenton, FL	2.0	2.5	1080	$1,950	$1.81	25d	1	0.81mi
4540 Runabout Way Bradenton, FL	2.0	2.5	1080	$2,300	$2.13	25d	1	0.83mi
5515 Fair Oaks St Unit 5515 Bradenton, FL	2.0	2.0	1004	$2,000	$1.99	25d	1	0.89mi
5414 Fair Oaks St Unit 10-D Bradenton, FL	2.0	2.0	1004	$1,995	$1.99	4d	1	0.95mi
6503 Fairway Gardens Dr Unit Available Bradenton, FL	2.0	2.0	1346	$2,200	$1.63	25d	1	0.95mi
6501 Stone River Rd Unit Available Bradenton, FL	2.0	2.0	1118	$2,200	$1.97	25d	1	1.03mi
6501 Stone River Rd Bradenton, FL	2.0	2.0	1080	$2,820	$2.61	17d	2	1.03mi
6505 Stone River Rd Bradenton, FL	2.0	2.0	1080	$2,825	$2.62	17d	3	1.10mi
3645 Ali ala LOOP Braden River, FL	1.0	1.0	950	$1,400	$1.47	25d	1	1.17mi
3880 Palm Isle Pl Bradenton, FL	1.0–2.0	1.0–2.0	1042	$2,499	$2.40	3d	13	1.21mi
5534 Spanish Moss Cv Bradenton, FL	3.0	2.0	1706	$2,500	$1.47	25d	1	1.23mi
5534 Spanish Moss Cv Bradenton, FL	3.0	2.0	1716	$2,500	$1.46	16d	1	1.23mi
4510 Sanibel Way Bradenton, FL	3.0	2.0	1832	$2,499	$1.36	4d	1	1.23mi
4815 Woodbrook Dr Sarasota, FL	2.0	2.0	1080	$2,290	$2.12	4d	1	1.27mi
6758 Fairview Ter Bradenton, FL	2.0	2.0	1346	$2,300	$1.71	25d	1	1.28mi
6713 Stone River Rd #202 Bradenton, FL	2.0	2.0	1232	$1,900	$1.54	25d	1	1.30mi
6807 Stone River Rd #202 Bradenton, FL	2.0	2.0	1292	$3,500	$2.71	17d	1	1.33mi
3601 Garden Lakes Clenet Bradenton, FL	3.0	2.0	1798	$3,000	$1.67	17d	1	1.37mi
6870 Fairview Ter #6870 Bradenton, FL	2.0	2.0	1346	$2,200	$1.63	17d	1	1.37mi
6872 Fairview Ter #101 Bradenton, FL	2.0	2.0	1352	$2,000	$1.48	25d	1	1.37mi
6738 Peach Tree Creek Rd Bradenton, FL	2.0	2.0	1838	$6,200	$3.37	25d	1	1.45mi
5939 Sandstone Ave Sarasota, FL	2.0	2.0	1732	$2,900	$1.67	21d	1	1.49mi

HOA detail

• Monthly dues: $300 · $3,600/yr

Listing history 16 events

1. 2026-06-18
   days on market $124,900 Active 145 DOM
2. 2026-06-17
   days on market $124,900 Active 144 DOM
3. 2026-06-16
   days on market $124,900 Active 143 DOM
4. 2026-06-15
   days on market $124,900 Active 142 DOM
5. 2026-06-13
   days on market $124,900 Active 140 DOM
6. 2026-06-13
   days on market $124,900 Active 139 DOM
7. 2026-06-10
   days on market $124,900 Active 137 DOM
8. 2026-06-09
   days on market $124,900 Active 136 DOM
9. 2026-06-08
   days on market $124,900 Active 135 DOM
10. 2026-06-08
    days on market $124,900 Active 134 DOM
11. 2026-06-03
    days on market $124,900 Active 130 DOM
12. 2026-06-02
    days on market $124,900 Active 129 DOM
13. 2026-06-01
    days on market $124,900 Active 128 DOM
14. 2026-05-31
    days on market $124,900 Active 127 DOM
15. 2026-03-01
    price $124,900
16. 2026-01-24
    listed $149,900 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: $590 · $49/mo
• Projected year-2 tax: $1,037 · $86/mo
• Expected delta: +$447/yr (+$37/mo · 75.8%)

ⓘ 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) · 67% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 29 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: $27,323
• − Mortgage interest: −$6,996
• − Property taxes: −$590
• − Insurance: −$624
• − Repairs & maintenance: −$2,186
• − Management: −$2,186
• − HOA: −$3,600
• − Depreciation: −$3,633
• Taxable income: $7,507
• Est. tax owed @ 24.0%: −$1,802
• After-tax cash flow: $7,109/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 — Samoset

• Score: 65/100
• State rank: #645
• US rank: #12763

Category grades

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

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

-16.7% since first listed

2 events — show timeline

• 2026-03-01 Price Changed $124,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-24 Listed $149,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+2.4%/yr

Latest (2025): $590 · +4.7% YoY. Source: county tax records.