215 Pine Tree Trl · Pomona Park, FL 32112

$145,000

2 bd · 1.0 ba · 420 sqft · Manufactured public records · 166 Days on market

Built 1963 0.43 ac lot $8/mo HOA · 1% of rent

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Why this score? — see what drove the C- 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 +16.9/30.0
• ARV discount +7.5/15.0
• Appreciation +6.4/10.0
• DSCR +5.3/10.0
• 1% rule +3.9/10.0
• Livability +3.1/5.0
• Schools +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

WOW! HOME FOR SALE! INVESTOR ALERT! IN LAKE CRESCENT ESTATES!! THIS 2 BED/1 BATH ''WOLVERINE'' MOBILE HOME IS ON A NICE OVER SIZED LOT TOTALING 0.42 ACRE. SAVE BIG!! SEPTIC & WELL ALREADY ON PROPERTY! 2 BIG OAK TREES ON EACH SIDE OF CEMENT DRIVEWAY SHADES THE HOME. THE HOUSE NEEDS RESTORATION, OR REPLACE THE HOME WITH NEW MFG HOME ON THIS BEAUTIFUL LAND. THIS PARTIALLY RENOVATED HOME IS SELLING '' AS IS''. IMPROVEMENTS NOT WARRANTED. ZONED R-2 ALLOWS MOBILE HOMES & R-1 HOMES. LAKE CRESCENT ESTATES SUBDIVISION IS ON CRESCENT LAKE, 3RD LARGEST LAKE IN FLORIDA. ENJOY BOATING & FISHING VIA THE ASSOCIATION'S BOAT RAMP/DOCK & LARGE CANAL. MEMBERSHIP IS $60 PER YEAR. BOAT SLIPS CAN BE PURCHASED IF AVAILABLE. THIS HOME WITH LAND MAY BE A GREAT ECONOMICAL INVESTMENT! GO FISHING & BOATING WHILE ENJOYING COUNTRY LIVING AT LOW COST. THIS PROPERTY IS VERY LOW PRICED TO SELL QUICKLY. SELLER WILL CONSIDER OFFERS. NICE INVESTMENT! SUPER OPPORTUNITY! CALL NOW!

Key facts

• Remodeled
• New kitchen
• Led lighting

Tags

• REMODELED
• NEW WINDOWS
• NEW WATERPROOF FLOORING
• LED LIGHTING
• UPDATED BATHROOM
• NEW KITCHEN

Property features AI

Finance

• HOA & community: Association with an annual fee of $90

Exterior

• Parking: Off-street parking
• Utilities: Electricity connected; Sewer connected (septic tank); Water available
• Home design: Mobile home; Used as a single-family residence
• Construction: Lot approximately 0.43 acres
• Exterior features: Fire pit

Interior

• Kitchen: Electric water heater
• Bedrooms: 2 bedrooms (both on the main level)
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Electric cooling with wall/window units
• Interior features: Fire pit
• Laundry & utility: Utilities include electricity and water available; sewer connected

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $145k.

Deal economics

• At list price, monthly cash flow is $95 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $129k (11.2% below list).
• Recommended offer: $128k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.1% vs local median 2.0% in Pomona Park — 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 61/100 on livability (#774 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety C-, amenities F, commute F.
• Putnam (town): math 34% / reading 39% proficiency, ranked #66 of 73 in FL (top 90%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 71% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Middleton-Burney Elementary School (math 31% / reading 30%, grade F, #1,862 of 2,144 statewide, top 88%, 1,046 students, 70% FRL); Putnam Academy of Arts And Sciences (math 42% / reading 52%, grade D+, #291 of 571 statewide, top 52%, 177 students, 75% FRL, charter); Crescent City Jr-Sr High School (math 17% / reading 34%, grade F, #499 of 667 statewide, top 75%, 1,005 students, 72% FRL) — zoned schools at 72% FRL track the district average.
• Market conditions: 145 active listings in the ZIP; 113 units permitted in Putnam County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($1k loan paydown + $4k appreciation (2.9% local appreciation)).
• Putnam County population projected at -31% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (2.9% appreciation + 3.0% rent growth), your $41k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 7, paydown + projected appreciation supports a ~$33k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 166 days — a 12% lower offer ($128k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 19y 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 $38k; list at $145k implies a 282% 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 $127,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 166 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 1963 — 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 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?
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: 0.89% ✗
• Cap rate: 7.08%
• Cash-on-cash: 2.81%
• DSCR: 1.13
• GRM: 9.4

CMA / ARV

No comps found within radius.

Projected returns pro-forma

2.86% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 9.7%
• Equity multiple: 1.55×
• Total profit: $22,433
• Equity at exit: $64,060

10-year hold

• IRR: 12.2%
• Equity multiple: 2.79×
• Total profit: $72,677
• Equity at exit: $97,848

Cash invested: $40,600 (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 32112

• Home prices YoY: 1.0%
• Active inventory: 145
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,288 medium
• Mortgage (P&I): −$760
• Tax from tax record: −$93 /mo · $1,122/yr
• Insurance: −$60
• HOA: −$8
• Vacancy / Maint / Mgmt: −$270
• Net cashflow: $95

Break-even live

Break-even rent $1,167

Max offer price $145,000

Occupancy floor 88%

Sensitivity live

Price	-10% $177	-5% $136	+0% $95	+5% $54	+10% $13
Rent	-10% $-7	-5% $44	+0% $95	+5% $146	+10% $197
Rate	-1.0pp $168	-0.5pp $132	base $95	+0.5pp $58	+1.0pp $19

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: $36,250
• Closing costs: $4,350
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $8 · $96/yr

Listing history 27 events

1. 2026-06-21
   days on market $145,000 Active 166 DOM
2. 2026-06-18
   days on market $145,000 Active 163 DOM
3. 2026-06-17
   days on market $145,000 Active 162 DOM
4. 2026-06-16
   days on market $145,000 Active 161 DOM
5. 2026-06-15
   days on market $145,000 Active 160 DOM
6. 2026-06-13
   days on market $145,000 Active 158 DOM
7. 2026-06-10
   days on market $145,000 Active 154 DOM
8. 2026-06-08
   days on market $145,000 Active 153 DOM
9. 2026-06-07
   days on market $145,000 Active 152 DOM
10. 2026-06-05
    days on market $145,000 Active 149 DOM
11. 2026-06-03
    days on market $145,000 Active 148 DOM
12. 2026-06-02
    days on market $145,000 Active 147 DOM
13. 2026-06-01
    days on market $145,000 Active 146 DOM
14. 2026-05-31
    days on market $145,000 Active 145 DOM
15. 2026-01-06
    listed $145,000 Active
16. 2024-07-30
    soldstatus $38,000 Closed 999-char remark

    Show marketing remark (999 chars)

    WOW! HOME FOR SALE! INVESTOR ALERT! IN LAKE CRESCENT ESTATES!! THIS 2 BED/1 BATH ''WOLVERINE'' MOBILE HOME IS ON A NICE OVER SIZED LOT TOTALING 0.42 ACRE. SAVE BIG!! SEPTIC & WELL ALREADY ON PROPERTY! 2 BIG OAK TREES ON EACH SIDE OF CEMENT DRIVEWAY SHADES THE HOME. THE HOUSE NEEDS RESTORATION, OR REPLACE THE HOME WITH NEW MFG HOME ON THIS BEAUTIFUL LAND. THIS PARTIALLY RENOVATED HOME IS SELLING '' AS IS''. IMPROVEMENTS NOT WARRANTED. ZONED R-2 ALLOWS MOBILE HOMES & R-1 HOMES. LAKE CRESCENT ESTATES SUBDIVISION IS ON CRESCENT LAKE, 3RD LARGEST LAKE IN FLORIDA. ENJOY BOATING & FISHING VIA THE ASSOCIATION'S BOAT RAMP/DOCK & LARGE CANAL. MEMBERSHIP IS $60 PER YEAR. BOAT SLIPS CAN BE PURCHASED IF AVAILABLE. THIS HOME WITH LAND MAY BE A GREAT ECONOMICAL INVESTMENT! GO FISHING & BOATING WHILE ENJOYING COUNTRY LIVING AT LOW COST. THIS PROPERTY IS VERY LOW PRICED TO SELL QUICKLY. SELLER WILL CONSIDER OFFERS. NICE INVESTMENT! SUPER OPPORTUNITY! CALL NOW!

17. 2024-07-10
    status Pending 999-char remark

    Show marketing remark (999 chars)

    WOW! HOME FOR SALE! INVESTOR ALERT! IN LAKE CRESCENT ESTATES!! THIS 2 BED/1 BATH ''WOLVERINE'' MOBILE HOME IS ON A NICE OVER SIZED LOT TOTALING 0.42 ACRE. SAVE BIG!! SEPTIC & WELL ALREADY ON PROPERTY! 2 BIG OAK TREES ON EACH SIDE OF CEMENT DRIVEWAY SHADES THE HOME. THE HOUSE NEEDS RESTORATION, OR REPLACE THE HOME WITH NEW MFG HOME ON THIS BEAUTIFUL LAND. THIS PARTIALLY RENOVATED HOME IS SELLING '' AS IS''. IMPROVEMENTS NOT WARRANTED. ZONED R-2 ALLOWS MOBILE HOMES & R-1 HOMES. LAKE CRESCENT ESTATES SUBDIVISION IS ON CRESCENT LAKE, 3RD LARGEST LAKE IN FLORIDA. ENJOY BOATING & FISHING VIA THE ASSOCIATION'S BOAT RAMP/DOCK & LARGE CANAL. MEMBERSHIP IS $60 PER YEAR. BOAT SLIPS CAN BE PURCHASED IF AVAILABLE. THIS HOME WITH LAND MAY BE A GREAT ECONOMICAL INVESTMENT! GO FISHING & BOATING WHILE ENJOYING COUNTRY LIVING AT LOW COST. THIS PROPERTY IS VERY LOW PRICED TO SELL QUICKLY. SELLER WILL CONSIDER OFFERS. NICE INVESTMENT! SUPER OPPORTUNITY! CALL NOW!

18. 2024-07-08
    listed $37,500 Active 999-char remark

    Show marketing remark (999 chars)

    WOW! HOME FOR SALE! INVESTOR ALERT! IN LAKE CRESCENT ESTATES!! THIS 2 BED/1 BATH ''WOLVERINE'' MOBILE HOME IS ON A NICE OVER SIZED LOT TOTALING 0.42 ACRE. SAVE BIG!! SEPTIC & WELL ALREADY ON PROPERTY! 2 BIG OAK TREES ON EACH SIDE OF CEMENT DRIVEWAY SHADES THE HOME. THE HOUSE NEEDS RESTORATION, OR REPLACE THE HOME WITH NEW MFG HOME ON THIS BEAUTIFUL LAND. THIS PARTIALLY RENOVATED HOME IS SELLING '' AS IS''. IMPROVEMENTS NOT WARRANTED. ZONED R-2 ALLOWS MOBILE HOMES & R-1 HOMES. LAKE CRESCENT ESTATES SUBDIVISION IS ON CRESCENT LAKE, 3RD LARGEST LAKE IN FLORIDA. ENJOY BOATING & FISHING VIA THE ASSOCIATION'S BOAT RAMP/DOCK & LARGE CANAL. MEMBERSHIP IS $60 PER YEAR. BOAT SLIPS CAN BE PURCHASED IF AVAILABLE. THIS HOME WITH LAND MAY BE A GREAT ECONOMICAL INVESTMENT! GO FISHING & BOATING WHILE ENJOYING COUNTRY LIVING AT LOW COST. THIS PROPERTY IS VERY LOW PRICED TO SELL QUICKLY. SELLER WILL CONSIDER OFFERS. NICE INVESTMENT! SUPER OPPORTUNITY! CALL NOW!

19. 2016-03-14
    soldstatus $12,500 Sold 676-char remark

    Show marketing remark (676 chars)

    Terrific price for Lake Crescent Estates!! On a 2 bd/1 bath mobile home on double lot totaling .42 acre. Cement drive & 2 big trees each side of driveway. Restore or replace home with new mfg home on this beautiful lot. Partially renovated property selling ''as is''. Improvements not warranted. Enjoy Lake Crescent with the association boat ramp/ dock & large canal. HOA membership is $45 per lot. Boat slips can be purchased if available. This property may be the buy of your lifetime for fishing, boating & pure country living enjoyment at low cost. Nice orange tree on property. Very low value priced to sell quickly. Call today! Don't miss seeing this one!

20. 2016-03-12
    status Pending 676-char remark

    Show marketing remark (676 chars)

    Terrific price for Lake Crescent Estates!! On a 2 bd/1 bath mobile home on double lot totaling .42 acre. Cement drive & 2 big trees each side of driveway. Restore or replace home with new mfg home on this beautiful lot. Partially renovated property selling ''as is''. Improvements not warranted. Enjoy Lake Crescent with the association boat ramp/ dock & large canal. HOA membership is $45 per lot. Boat slips can be purchased if available. This property may be the buy of your lifetime for fishing, boating & pure country living enjoyment at low cost. Nice orange tree on property. Very low value priced to sell quickly. Call today! Don't miss seeing this one!

21. 2016-01-18
    listed $14,500 Active 676-char remark

    Show marketing remark (676 chars)

    Terrific price for Lake Crescent Estates!! On a 2 bd/1 bath mobile home on double lot totaling .42 acre. Cement drive & 2 big trees each side of driveway. Restore or replace home with new mfg home on this beautiful lot. Partially renovated property selling ''as is''. Improvements not warranted. Enjoy Lake Crescent with the association boat ramp/ dock & large canal. HOA membership is $45 per lot. Boat slips can be purchased if available. This property may be the buy of your lifetime for fishing, boating & pure country living enjoyment at low cost. Nice orange tree on property. Very low value priced to sell quickly. Call today! Don't miss seeing this one!

22. 2015-06-02
    soldstatus $11,250 Sold
23. 2014-11-21
    listed $17,500 Active
24. 2014-11-21
    price $16,900
25. 2014-11-21
    price $13,900
26. 2007-09-19
    soldstatus $20,000
27. 2007-07-10
    listed $26,900

ⓘ 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: $1,122 · $93/mo
• Projected year-2 tax: $1,204 · $100/mo
• Expected delta: +$82/yr (+$7/mo · 7.3%)

ⓘ 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 9/10 Extreme 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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,456
• − Mortgage interest: −$8,122
• − Property taxes: −$1,122
• − Insurance: −$725
• − Repairs & maintenance: −$1,236
• − Management: −$1,236
• − HOA: −$96
• − Depreciation: −$4,218
• Taxable loss: −$1,300
• Est. tax savings @ 24.0%: +$312
• After-tax cash flow: $1,455/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: Putnam
• NCES district ID: 1201620
• Math proficiency: 34% ▼ -10.00%
• Reading proficiency: 39% ▼ -4.00%
• Median HH income: $33,350
• Composite: 29.99/100
• National rank: #6361
• State rank: #66 of 73 in FL

Livability — Pomona Park

• Score: 61/100
• State rank: #774
• US rank: #17514

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 2,512
• Population (ZIP): 8,099

Population outlook (Putnam County) Hauer SSP2

• Today (2025): 65,299 people
• By 2030: 61,255 · -6.2%
• By 2040: 52,930 · -18.9%
• By 2050: 45,051 · -31.0%
• By 2075: 28,720 · -56.0%
• By 2100: 15,852 · -75.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 47% Hispanic / Latino 38% Two or more races 30% Black 8% Asian 3%
• Hispanic origin (detail): Mexican 34% Puerto Rican 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 1%
• Foreign-born: 20% · Canada
• Languages at home: 64% English-only · Spanish 32% Other Asian/Pacific 3%

Political lean MEDSL · Putnam

• 2024 margin: Solid R (+47.8) · D 25.8% · R 73.6%
• 2008→2024 swing: -28.5pp toward R · 2008: -19.3pp · 2024: -47.8pp
• All cycles: 2024: R+47.8 2020: R+41.2 2016: R+36.6 2012: R+24.5 2008: R+19.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.86%
• Current HPI: 279.58
• Rent YoY: —
• Metro: —
• 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

+439.0% since first listed

13 events — show timeline

• 2026-01-06 Listed $145,000 realMLS
• 2024-07-30 Sold (MLS) $38,000 realMLS
• 2024-07-10 Pending — realMLS
• 2024-07-08 Listed $37,500 realMLS
• 2016-03-14 Sold (MLS) $12,500 realMLS
• 2016-03-12 Pending — realMLS
• 2016-01-18 Listed $14,500 realMLS
• 2015-06-02 Sold (MLS) $11,250 realMLS
• 2014-11-21 Listed $17,500 realMLS
• 2014-11-21 Price Changed $13,900 realMLS
• 2014-11-21 Price Changed $16,900 realMLS
• 2007-09-19 Sold (MLS) $20,000 realMLS
• 2007-07-10 Listed $26,900 realMLS

Property tax history

+14.3%/yr

Latest (2025): $1,122 · +29.0% YoY. Source: county tax records.