14350 SE 41st Ter · Summerfield, FL 34491

$50,000

3 bd · 2.0 ba · 924 sqft · Manufactured public records · 70 Days on market

Manufactured home Built 1993 Fair condition 10,019 sqft lot $54/sqft · 59% below area

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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 +7.5/15.0
• Schools +4.5/10.0
• Appreciation +2.5/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.2/5.0
• Manufactured-home adj. -5.7

Listing remarks

Situated at 14350 SE 41st Terrace, Summerfield, FL 34491, updated 3/2 1993 mobile home with newer appliances, new AC, and water softener. The 2nd bathroom and one of the bedrooms have new flooring. The back door has been replaced, with metal siding & a metal roof. No HOA. Great location; private but near to shopping and dining. The couch, TV, and desk that the TV sits on convey. Buyer to assume water softener package and accessories for $75.42/month and Lennox package unit, Blue Tube UV light, thermostat, and filter for $199.02/month (both packages have 89 months remaining as of April 1, 2026) or terminate agreement with Advantage Service Experts for $21,859.35.

Key facts

• Durable metal siding
• Water softener
• Updated flooring

Tags

• NEWER KITCHEN APPLIANCES
• NEWER HVAC SYSTEM
• WATER SOFTENER
• UPDATED FLOORING
• NEWER REAR ENTRY DOOR
• DURABLE METAL SIDING

🏷️ Possibly a rental listed for sale. The $50,000 price doesn't fit this home's estimated sale value (~$121,528) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $50k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $713 ($9k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $50k).
• Recommended offer: $47k (6.0% below list) — sets the bar for market timing.
• Cap rate 23.4% vs local median 4.5% in Summerfield — 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: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Marion (rural): math 42% / reading 43% proficiency, ranked #61 of 73 in FL (top 84%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Harbour View Elementary School (math 41% / reading 38%, grade F, #1,513 of 2,144 statewide, top 73%, 819 students, 71% FRL); Belleview Middle School (math 49% / reading 50%, grade C, #259 of 571 statewide, top 46%, 1,573 students, 60% FRL); Belleview High School (math 31% / reading 46%, grade F, #321 of 667 statewide, top 49%, 1,783 students, 56% FRL) — zoned schools at 62% FRL track the district average.
• Market conditions: 949 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals lingering (median 109d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 71% of comp listings sitting > 30 days — soft ceiling on asking rent; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $346 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $14k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 70 days — a 6% lower offer ($47k) is reasonable based on typical stale-listing flexibility.
• 10 sale attempts since 16y ago; this cycle's ask has dropped $39k (44%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: property tax is 2.5% of price.
• 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 $47,000 (6.0% below list)

Questions for the listing agent

1. It's been on market 70 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
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. 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: 2.79% ✓
• Cap rate: 23.41%
• Cash-on-cash: 61.12%
• DSCR: 3.72
• GRM: 3.0

CMA / ARV

• ARV (median comp): $121,528
• List price: $50,000
• Delta: -42.40%
• Verdict: UNDERPRICED
• Comps: 4 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14645 SE 47th Ave	0.59mi	3/2.0	960 (+4%)	1mo	$105,000	$109	65
4855 SE 145th Pl	0.66mi	3/2.0	1,012 (+10%)	14mo	$169,990	$168	42
4755 SE 146th Pl	0.61mi	2/1.0 (-1)	1,034 (+12%)	2mo	$55,000	$53	41
3543 SE 147th Pl	0.68mi	2/2.0 (-1)	841 (-9%)	15mo	$95,000	$113	36
4865 SE 145th Pl	0.67mi	2/2.0 (-1)	1,056 (+14%)	9mo	$148,500	$141	32

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: 60.0%
• Equity multiple: 3.67×
• Total profit: $37,357
• Equity at exit: $7,455

10-year hold

• IRR: 64.7%
• Equity multiple: 7.51×
• Total profit: $91,198
• Equity at exit: $4,323

Cash invested: $14,000 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 3 active · 3 under contract
• Months of supply: 9.0 mo (11%/mo absorbed)
• Median asking: $144,900 ($151/sqft)
• Median days on market: 85 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -12.9% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34491

• Home prices YoY: -35.0%
• Active inventory: 949
• Price-to-rent: 3.0×

Monthly cashflow live

• Estimated rent: $1,394 high
• Mortgage (P&I): −$262
• Tax from tax record: −$105 /mo · $1,265/yr
• Insurance: −$21
• HOA: −$0
• Lot rent leased land?: −$0
• Vacancy / Maint / Mgmt: −$293
• Net cashflow: $713

Break-even live

Break-even rent $492

Max offer price $50,000

Occupancy floor 44%

Sensitivity live

Price	-10% $741	-5% $727	+0% $713	+5% $699	+10% $685
Rent	-10% $603	-5% $658	+0% $713	+5% $768	+10% $823
Rate	-1.0pp $738	-0.5pp $726	base $713	+0.5pp $700	+1.0pp $687

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: $12,500
• Closing costs: $1,500
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3934 SE 142nd St Summerfield, FL	3.0	2.0	1000	$1,499	$1.50	109d	1	0.25mi
3780 SE 141st Ln Summerfield, FL	3.0	2.0	1066	$1,595	$1.50	116d	1	0.42mi
3780 SE 141st Ln Summerfield, FL	3.0	2.0	1066	$1,525	$1.43	109d	1	0.42mi
3633 SE 138th Pl Summerfield, FL	3.0	2.0	1011	$1,697	$1.68	6d	1	0.70mi
13315 SE 38th Ct Belleview, FL	3.0	2.0	1011	$1,697	$1.68	6d	1	1.07mi
14025 SE 54th Ct Summerfield, FL	2.0	1.5	1008	$1,500	$1.49	109d	1	1.18mi
13678 SE 55th Ave Summerfield, FL	3.0	2.0	960	$1,499	$1.56	116d	1	1.34mi

Property features AI

Finance

• Other: Home is homesteadedPartially furnished
• Financial info: Tax information provided but omitted per instructions
• HOA & community: No HOA

Exterior

• Parking: No parking details provided
• Security: No security features listed
• Utilities: Well waterSeptic tankElectricity availableWater availableSewer available
• Home design: Manufactured home (single wide)One-storySouth-facing
• Construction: Metal sidingMetal roofCrawlspace foundationBuilt on a single level
• Exterior features: Yard on a 0.23-acre lot (75 x 132)Dirt road accessOther exterior features

Interior

• Kitchen: RangeRefrigeratorElectric water heater
• Bedrooms: 3 bedrooms
• Flooring: Laminate flooringWood flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heatingCentral air conditioning
• Interior features: Open floorplanLiving room/dining room combo
• Laundry & utility: WasherDryerLaundry insideWater softener

Listing history 50 events

1. 2026-09-24
   days on market $50,000 Active 70 DOM
2. 2026-09-22
   days on market $50,000 Active 69 DOM
3. 2026-09-21
   days on market $50,000 Active 68 DOM
4. 2026-09-20
   days on market $50,000 Active 67 DOM
5. 2026-09-19
   days on market $50,000 Active 66 DOM
6. 2026-09-18
   days on market $50,000 Active 65 DOM
7. 2026-09-17
   days on market $50,000 Active 64 DOM
8. 2026-09-16
   days on market $50,000 Active 63 DOM
9. 2026-09-15
   days on market $50,000 Active 62 DOM
10. 2026-09-14
    days on market $50,000 Active 61 DOM
11. 2026-09-13
    days on market $50,000 Active 60 DOM
12. 2026-09-12
    days on market $50,000 Active 59 DOM
13. 2026-09-11
    pricedays on market $50,000 Active 58 DOM
14. 2026-09-05
    days on market $69,999 Active 52 DOM
15. 2026-09-04
    days on market $69,999 Active 51 DOM
16. 2026-09-03
    days on market $69,999 Active 50 DOM
17. 2026-08-31
    days on market $69,999 Active 47 DOM
18. 2026-08-30
    days on market $69,999 Active 46 DOM
19. 2026-08-29
    days on market $69,999 Active 45 DOM
20. 2026-08-28
    days on market $69,999 Active 44 DOM
21. 2026-08-27
    days on market $69,999 Active 43 DOM
22. 2026-08-25
    days on market $69,999 Active 41 DOM
23. 2026-08-24
    days on market $69,999 Active 40 DOM
24. 2026-08-23
    days on market $69,999 Active 39 DOM
25. 2026-08-22
    days on market $69,999 Active 38 DOM
26. 2026-08-21
    days on market $69,999 Active 37 DOM
27. 2026-08-20
    days on market $69,999 Active 36 DOM
28. 2026-08-19
    days on market $69,999 Active 35 DOM
29. 2026-08-18
    days on market $69,999 Active 34 DOM
30. 2026-08-17
    days on market $69,999 Active 33 DOM
31. 2026-08-16
    days on market $69,999 Active 32 DOM
32. 2026-08-15
    days on market $69,999 Active 31 DOM
33. 2026-08-14
    days on market $69,999 Active 30 DOM
34. 2026-08-13
    days on market $69,999 Active 29 DOM
35. 2026-08-12
    days on market $69,999 Active 28 DOM
36. 2026-08-11
    days on market $69,999 Active 27 DOM
37. 2026-08-10
    days on market $69,999 Active 26 DOM
38. 2026-08-09
    days on market $69,999 Active 25 DOM
39. 2026-08-08
    days on market $69,999 Active 24 DOM
40. 2026-08-07
    days on market $69,999 Active 23 DOM
41. 2026-08-06
    days on market $69,999 Active 22 DOM
42. 2026-08-05
    days on market $69,999 Active 21 DOM
43. 2026-08-04
    days on market $69,999 Active 20 DOM
44. 2026-08-03
    pricedays on market $69,999 Active 19 DOM
45. 2026-07-31
    days on market $79,999 Active 16 DOM
46. 2026-07-30
    days on market $79,999 Active 15 DOM
47. 2026-07-29
    days on market $79,999 Active 14 DOM
48. 2026-07-27
    days on market $79,999 Active 12 DOM
49. 2026-07-25
    pricedays on market $79,999 Active 10 DOM
50. 2026-07-23
    days on market $89,000 Active 8 DOM

ⓘ 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: $1,265 · $105/mo
• Projected year-2 tax: $1,265 · $105/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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°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 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,731
• − Mortgage interest: −$2,801
• − Property taxes: −$1,265
• − Insurance: −$250
• − Repairs & maintenance: −$1,338
• − Management: −$1,338
• − Depreciation: −$1,455
• Taxable income: $8,284
• Est. tax owed @ 24.0%: −$1,988
• After-tax cash flow: $6,568/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.

Condition & rehab AI · 9 photos

Fair 45/100 Cosmetic rehab Est. rehab $4,620–$13,860 screening

The home is in fair condition with good systems and appliances. It needs minor landscaping and curb appeal improvements to enhance its value.

Deferred maintenance Est. $70,000–$210,000 screening

• Major Roof (roof|hvac|water heater|windows|electrical|plumbing|exterior|other) — No roof visible
• Major Hvac (roof|hvac|water heater|windows|electrical|plumbing|exterior|other) — No HVAC visible
• Major Windows (roof|hvac|water heater|windows|electrical|plumbing|exterior|other) — No windows visible
• Major Electrical (roof|hvac|water heater|windows|electrical|plumbing|exterior|other) — No electrical panel visible
• Major Plumbing (roof|hvac|water heater|windows|electrical|plumbing|exterior|other) — No plumbing visible
• Major Exterior (roof|hvac|water heater|windows|electrical|plumbing|exterior|other) — No exterior visible
• Major Other (roof|hvac|water heater|windows|electrical|plumbing|exterior|other) — No other visible

Repairs flagged

• Minor Landscaping — Overgrown yard needs trimming.
• Minor Yard maintenance — Overgrown yard needs trimming.
• Minor Landscaping — Overgrown yard needs trimming.

Value-add opportunities

• Both Landscaping and curb appeal improvements — Enhances curb appeal and can attract more buyers/renters. ↑
• Both Painting exterior — Fresh paint can improve curb appeal and home value. ↑
• Both Landscaping and curb appeal improvements — Enhances curb appeal and can attract more buyers/renters. ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 44/100

Zoned Schools

Elementary Harbour View Elementary School F FL #1,513/2,144 Nat'l #19,648/41,679 Middle Belleview Middle School C FL #259/571 Nat'l #3,585/14,009

Schools (NCES district)

• District: Marion
• NCES district ID: 1201260
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $40,015
• Composite: 35.61/100
• National rank: #4890
• State rank: #61 of 73 in FL

Livability — Summerfield

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Marion County · 365,905 people
• City population: 33,318
• Metro: Ocala, FL
• Population (ZIP): 33,318
• Household income: $66,679
• Rent vs Own: 13.2% rent · 86.8% own
• Severe rent burden: 8% of renters

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Population outlook (Marion County) Hauer SSP2

• Today (2025): 365,905 people
• By 2030: 376,768 · +3.0%
• By 2040: 396,555 · +8.4%
• By 2050: 412,723 · +12.8%
• By 2075: 446,090 · +21.9%
• By 2100: 436,193 · +19.2%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Hispanic / Latino 14% Two or more races 9% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 1%
• Common ancestry: Lithuanian 3% Slovak 2% Romanian 2%
• Foreign-born: 8% · Canada, Vietnam, Jamaica
• Languages at home: 85% English-only · Spanish 11% Vietnamese 1% French/Haitian/Cajun 1%

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Political lean MEDSL · Marion

• 2024 margin: Solid R (+31.6) · D 33.8% · R 65.5%
• 2008→2024 swing: -20.0pp toward R · 2008: -11.6pp · 2024: -31.6pp
• All cycles: 2024: R+31.6 2020: R+25.9 2016: R+26.2 2012: R+16.2 2008: R+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -107.67%
• Current HPI: 200.0792
• Rent YoY: —
• Metro: Ocala, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

Property features AI

Finance

• Other: Home is homesteadedPartially furnished
• Financial info: Tax information provided but omitted per instructions
• HOA & community: No HOA

Exterior

• Parking: No parking details provided
• Security: No security features listed
• Utilities: Well waterSeptic tankElectricity availableWater availableSewer available
• Home design: Manufactured home (single wide)One-storySouth-facing
• Construction: Metal sidingMetal roofCrawlspace foundationBuilt on a single level
• Exterior features: Yard on a 0.23-acre lot (75 x 132)Dirt road accessOther exterior features

Interior

• Kitchen: RangeRefrigeratorElectric water heater
• Bedrooms: 3 bedrooms
• Flooring: Laminate flooringWood flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heatingCentral air conditioning
• Interior features: Open floorplanLiving room/dining room combo
• Laundry & utility: WasherDryerLaundry insideWater softener

Price history

+295.6% since first listed

31 events — show timeline

• 2026-07-15 Listed $89,000 Stellar MLS as Distributed by MLS Grid
• 2026-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-12-09 Price Changed $124,500 Stellar MLS as Distributed by MLS Grid
• 2025-12-09 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-12-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-12-08 Listed $124,500 Stellar MLS as Distributed by MLS Grid
• 2025-12-05 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-10-13 Price Changed $125,000 Stellar MLS as Distributed by MLS Grid
• 2025-05-19 Price Changed $130,000 Stellar MLS as Distributed by MLS Grid
• 2025-03-27 Price Changed $138,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-23 Price Changed $140,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-06 Listed $145,000 Stellar MLS as Distributed by MLS Grid
• 2023-04-27 Sold (MLS) $102,000 Stellar MLS as Distributed by MLS Grid
• 2023-03-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-03-14 Price Changed $105,000 Stellar MLS as Distributed by MLS Grid
• 2023-02-24 Listed $115,000 Stellar MLS as Distributed by MLS Grid
• 2023-02-14 Sold (MLS) $73,000 Stellar MLS as Distributed by MLS Grid
• 2023-02-10 Sold (Public Records) $73,000 Public Records
• 2023-01-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-12-22 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-12-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-12-03 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-11-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-10-20 Listed $89,900 Stellar MLS as Distributed by MLS Grid
• 2022-07-20 Sold (MLS) $35,000 Stellar MLS as Distributed by MLS Grid
• 2022-07-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-07-01 Listed $34,900 Stellar MLS as Distributed by MLS Grid
• 2011-05-02 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-05-03 Listed $29,900 Stellar MLS as Distributed by MLS Grid
• 1999-04-23 Sold (Public Records) $25,000 Public Records
• 1993-08-13 Sold (Public Records) $22,500 Public Records

Property tax history

+15.2%/yr

Latest (2025): $1,265 · +13.8% YoY. Source: county tax records.