7101 Jeanne Ave · Bayonet Point, FL 34667

$125,000

2 bd · 2.0 ba · 648 sqft · Manufactured public records · 29 Days on market

Built 1967 7,000 sqft lot Est $104k · 20% over

---

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 +27.6/30.0
• DSCR +9.7/10.0
• 1% rule +6.7/10.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

This 3-bedroom, 1-bath manufactured home, built in 1967, is set on a 0.16-acre lot in Hudson and offers a practical layout with key updates already in place. The kitchen features cabinetry and granite countertops, while the bathroom includes a double-sink granite vanity. The roof was installed in May 2026, according to the seller, and the home is served by well and septic. Interior laundry is available; washer and dryer do not convey. Interior areas would benefit from cosmetic attention, offering an opportunity for the next owner to add their own finishing touches. Conveniently located near US-19 and State Road 52, with access to shopping, dining, medical facilities, and everyday services.

Key facts

• Interior laundry
• Granite countertops
• Conveniently located

Tags

• GRANITE COUNTERTOPS
• DOUBLE-SINK GRANITE VANITY
• INTERIOR LAUNDRY
• CONVENIENTLY LOCATED

Property features AI

Finance

• Other: Lot roughly 0.16 acres (about 650 m²)

Exterior

• Parking: Carport (1 space)
• Utilities: Well water; Septic tank; Electricity connected
• Home design: Residential mobile home; Single wide; One level; South-facing entry
• Construction: Shingle roof; Other construction materials; Other foundation
• Exterior features: Private mailbox; Storage

Interior

• Kitchen: Microwave; Range
• Bedrooms: 3 bedrooms
• Flooring: Vinyl
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Wall/window air conditioning units
• Interior features: Ceiling fans; Solid surface counters
• Laundry & utility: Indoor laundry

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $125k.

Deal economics

• At list price, monthly cash flow is $308 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $123k (1.5% below list) — sets the bar for market timing.
• Cap rate 9.9% vs local median 5.3% in Bayonet Point — 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 (#485 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime D+, amenities D+, schools F.
• Pasco (suburban): math 50% / reading 52% proficiency, ranked #32 of 73 in FL (top 44%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents soft (-2.3%/yr); 790 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• This rent runs 34% of the median local income ($51k/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.
• Pasco County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 29 days — a 2% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $25k; list at $125k implies a 402% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $123,125 (1.5% below list)

Questions for the listing agent

1. Built in 1967 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 1.17% ✓
• Cap rate: 9.89%
• Cash-on-cash: 12.86%
• DSCR: 1.57
• GRM: 7.1

CMA / ARV

• ARV (on-the-fly): $104,328
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7408 Cynthia Ct	0.43mi	2/1.0	636 (-2%)	8mo	$160,000	$252	66
12107 Longhorn Dr	0.36mi	2/1.0	672 (+4%)	10mo	$107,900	$161	64
7114 Jeanne Ave	0.05mi	2/1.0	744 (+15%)	11mo	$65,000	$87	60

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: -3.8%
• Equity multiple: 0.86×
• Total profit: $-4,884
• Equity at exit: $18,638

10-year hold

• IRR: 2.1%
• Equity multiple: 1.13×
• Total profit: $4,522
• Equity at exit: $10,808

Cash invested: $35,000 (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 →

ZIP-level market 34667

• Rents YoY: -2.3%
• Active inventory: 790
• Price-to-rent: 7.1×

Monthly cashflow live

• Estimated rent: $1,463 high
• Mortgage (P&I): −$656
• Tax from tax record: −$73 /mo · $881/yr
• Insurance: −$52
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $308

Break-even live

Break-even rent $1,073

Max offer price $125,000

Occupancy floor 74%

Sensitivity live

Price	-10% $379	-5% $344	+0% $308	+5% $273	+10% $238
Rent	-10% $193	-5% $251	+0% $308	+5% $366	+10% $424
Rate	-1.0pp $371	-0.5pp $340	base $308	+0.5pp $276	+1.0pp $243

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11430 Rohrman Rd Port Richey, FL	1.0	1.0	700	$1,000	$1.43	5d	1	0.86mi
13113 Bartow St Hudson, FL	2.0	1.0	528	$1,190	$2.25	25d	1	0.96mi
7213 Seward Dr Port Richey, FL	2.0	1.0	700	$1,500	$2.14	25d	1	1.01mi
7110 Tudor Ln Port Richey, FL	1.0	1.0	676	$1,310	$1.94	3d	1	1.47mi
7110 Tudor Ln Port Richey, FL	1.0	1.0	676	$1,310	$1.94	25d	1	1.47mi

Listing history 16 events

1. 2026-06-18
   days on market $125,000 Active 29 DOM
2. 2026-06-17
   days on market $125,000 Active 28 DOM
3. 2026-06-16
   days on market $125,000 Active 27 DOM
4. 2026-06-15
   days on market $125,000 Active 26 DOM
5. 2026-06-13
   days on market $125,000 Active 24 DOM
6. 2026-06-09
   days on market $125,000 Active 20 DOM
7. 2026-06-08
   days on market $125,000 Active 19 DOM
8. 2026-06-07
   days on market $125,000 Active 18 DOM
9. 2026-06-04
   pricedays on market $125,000 Active 15 DOM
10. 2026-06-03
    days on market $145,000 Active 14 DOM
11. 2026-06-02
    days on market $145,000 Active 13 DOM
12. 2026-06-01
    days on market $145,000 Active 12 DOM
13. 2026-05-31
    days on market $145,000 Active 11 DOM
14. 2026-05-22
    price $145,000
15. 2026-05-20
    listed $165,000 Active
16. 1998-04-20
    soldstatus $24,900

ⓘ 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: $881 · $73/mo
• Projected year-2 tax: $1,038 · $86/mo
• Expected delta: +$156/yr (+$13/mo · 17.8%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (shaded) · 96% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥114°F today · 25 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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,559
• − Mortgage interest: −$7,002
• − Property taxes: −$881
• − Insurance: −$1,422
• − Repairs & maintenance: −$1,405
• − Management: −$1,405
• − Depreciation: −$3,636
• Taxable income: $1,808
• Est. tax owed @ 24.0%: −$434
• After-tax cash flow: $3,268/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: Pasco
• NCES district ID: 1201530
• Math proficiency: 50% ▼ -10.00%
• Reading proficiency: 52% ▼ -5.00%
• Median HH income: $45,039
• Composite: 43.14/100
• National rank: #3074
• State rank: #32 of 73 in FL

Livability — Bayonet Point

• Score: 69/100
• State rank: #485
• US rank: #8934

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Bayonet Point, FL
• County: Pasco County · 524,098 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 30,689
• Household income: $51,280
• Rent vs Own: 23.0% rent · 77.0% own
• Severe rent burden: 946.0

Population outlook (Pasco County) Hauer SSP2

• Today (2025): 570,045 people
• By 2030: 605,844 · +6.3%
• By 2040: 674,806 · +18.4%
• By 2050: 736,022 · +29.1%
• By 2075: 862,900 · +51.4%
• By 2100: 906,364 · +59.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 7% Two or more races 6% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 7% · Canada, Jamaica, Vietnam
• Languages at home: 91% English-only · Spanish 5% Other Indo-European 2% French/Haitian/Cajun 0%

Political lean MEDSL · Pasco

• 2024 margin: Strong R (+25.2) · D 36.9% · R 62.1% · Other 1.0%
• 2008→2024 swing: -21.6pp toward R · 2008: -3.6pp · 2024: -25.2pp
• All cycles: 2024: R+25.2 2020: R+20.1 2016: R+21.6 2012: R+6.7 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -183.96%
• Current HPI: 307.5552
• Rent YoY: ▼ -2.26%
• Metro: Tampa-St. Petersburg-Clearwater, 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

+482.3% since first listed

3 events — show timeline

• 2026-05-22 Price Changed $145,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-20 Listed $165,000 Stellar MLS as Distributed by MLS Grid
• 1998-04-20 Sold (Public Records) $24,900 Public Records

Property tax history

+17.4%/yr

Latest (2025): $881 · +14.8% YoY. Source: county tax records.