3275 26th Ave E #134 · Bradenton, FL 34208

$79,900

1 bd · 1.0 ba · 504 sqft · Manufactured public records · 9 Days on market

Built 2007 2,810 sqft lot Est $118k · 32% under $216/mo HOA · 16% 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 +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 +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +1.1/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to 3275 26th Ave E, Lot 134, Bradenton, FL 34208, a well-maintained 2007 mobile home located in the gated 55+ community of Sugar Creek Estates. This charming 1-bedroom, 1-bath residence offers comfortable, low-maintenance Florida living and features fresh landscaping that adds to its inviting curb appeal. Inside, you'll find a bright and functional layout, while the attached carport provides convenient covered parking. Residents enjoy exceptional value with quarterly HOA fees of just $550, which include water, sewer, cable, internet, and lawn mowing. Sugar Creek Estates offers an array of amenities, including a clubhouse, community pool, shuffleboard courts, and laundry facilities,

Key facts

• Gated community
• Shuffleboard courts
• Attached carport

Tags

• GATED COMMUNITY
• FRESH LANDSCAPING
• ATTACHED CARPORT
• CLUBHOUSE
• COMMUNITY POOL
• SHUFFLEBOARD COURTS

Property features AI

Finance

• Other: Senior community; Buyer approval required; Golf carts allowed; Pets allowed; Special community restrictions
• Financial info: Total monthly community fees approximately $216.67; Total annual community fees approximately $2,600; Lease restrictions apply
• HOA & community: Homeowners association required with approval; Monthly HOA approximately $183.33 (Quarterly fee $550); Association amenities include clubhouse, gated entry, maintenance, recreation facilities; Association fee includes water, sewer, cable TV, internet, grounds maintenance, management

Exterior

• Parking: Carport (1 space)
• Security: Gated community
• Utilities: Public water; Public sewer; Broadband/high-speed internet available
• Home design: Manufactured home (single wide); One story; Faces south; Entry level: One
• Construction: Frame construction; Membrane roof; Crawlspace foundation; Built as manufactured housing
• Exterior features: Awning(s); Other exterior features; Asphalt road access

Interior

• Kitchen: Range; Microwave; Refrigerator; Dishwasher
• Bedrooms: 1 bedroom
• Flooring: Linoleum; Other flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Other heating; Central air; Wall/Window unit(s)
• Interior features: Thermostat; Awning(s)
• Laundry & utility: Washer; Dryer; Inside laundry

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath manufactured listed at $80k.

Deal economics

• At list price, monthly cash flow is $231 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $80k).
• Cap rate 10.8% 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 falling (-5.4%/yr); 345 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 10d on market — plan ~1-2 weeks tenant-placement turnaround); 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $552 of loan paydown is wiped out by about $2k 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.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $19k; list at $80k implies a 321% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $79,900

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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?
5. 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.
6. 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.
7. 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: 1.69% ✓
• Cap rate: 10.77%
• Cash-on-cash: 15.98%
• DSCR: 1.71
• GRM: 4.9

CMA / ARV

• ARV (on-the-fly): $117,936
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3333 26th Ave E #1025	0.30mi	1/1.0	501 (-1%)	12mo	$50,000	$100	75
3333 26th Ave E #1040	0.25mi	1/1.0	576 (+14%)	15mo	$134,900	$234	52

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: -2.4%
• Equity multiple: 0.91×
• Total profit: $-1,958
• Equity at exit: $11,913

10-year hold

• IRR: 2.2%
• Equity multiple: 1.13×
• Total profit: $2,810
• Equity at exit: $6,908

Cash invested: $22,372 (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 34208

• Rents YoY: -5.4%
• Active inventory: 345
• Price-to-rent: 4.9×

Monthly cashflow live

• Estimated rent: $1,347 medium
• Mortgage (P&I): −$419
• Tax from tax record: −$98 /mo · $1,170/yr
• Insurance: −$33
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$216
• Vacancy / Maint / Mgmt: −$283
• Net cashflow: $231

Break-even live

Break-even rent $1,054

Max offer price $79,900

Occupancy floor 78%

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: $19,975
• Closing costs: $2,397
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2212 32nd Ave E Unit E1 Bradenton, FL	1.0	1.0	468	$1,295	$2.77	10d	1	0.90mi
3419 19th St E Unit Back ADU Bradenton, FL	—	1.0	400	$1,250	$3.12	15d	1	1.27mi
1818 9th Ave E Bradenton, FL	1.0–3.0	1.0	905	$1,295	$1.43	10d	9	1.39mi

HOA detail

• Monthly dues: $216 · $2,592/yr
• Likely covers: watersewerinternetcablelandscapingpoolsecurity

Listing history 8 events

1. 2026-06-18
   days on market $79,900 Active 9 DOM
2. 2026-06-17
   days on market $79,900 Active 8 DOM
3. 2026-06-16
   days on market $79,900 Active 7 DOM
4. 2026-06-15
   days on market $79,900 Active 6 DOM
5. 2026-06-13
   days on market $79,900 Active 4 DOM
6. 2026-06-13
   days on market $79,900 Active 3 DOM
7. 2026-06-10
   remarks 699-char remark
8. 2026-06-10
   listed $79,900 Active 1 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: $1,170 · $98/mo
• Projected year-2 tax: $1,170 · $98/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 8/10 Severe FEMA zone X (shaded) · 98% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 26 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,158
• − Mortgage interest: −$4,476
• − Property taxes: −$1,170
• − Insurance: −$1,197
• − Repairs & maintenance: −$1,293
• − Management: −$1,293
• − HOA: −$2,592
• − Depreciation: −$2,324
• Taxable income: $1,814
• Est. tax owed @ 24.0%: −$435
• After-tax cash flow: $2,342/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
• City population: 227,091
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 44,004
• Household income: $60,504
• Rent vs Own: 43.5% rent · 56.5% own
• Severe rent burden: 1777.0

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: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 43% Hispanic / Latino 33% Black 18% Two or more races 16% Asian 2%
• Hispanic origin (detail): Mexican 18% Puerto Rican 3% Cuban 2% Dominican 2%
• Common ancestry: Hispanic 2% Iranian 2% Lithuanian 1%
• Foreign-born: 20% · Canada, Jamaica, China
• Languages at home: 67% English-only · Spanish 27% French/Haitian/Cajun 3% 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: ▼ -353.49%
• Current HPI: 287.0443
• Rent YoY: ▼ -5.44%
• 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

+924.4% since first listed

4 events — show timeline

• 2026-06-09 Listed $79,900 Stellar MLS as Distributed by MLS Grid
• 1994-10-28 Sold (Public Records) $19,000 Public Records
• 1983-06-22 Sold (Public Records) $13,000 Public Records
• 1977-07-08 Sold (Public Records) $7,800 Public Records

Property tax history

+18.5%/yr

Latest (2025): $1,170 · -1.8% YoY. Source: county tax records.