232 W Temple Cir · Jan Phyl Village, FL 33880

$234,000

3 bd · 2.0 ba · 1,458 sqft · Manufactured public records · 183 Days on market

Built 1999 0.41 ac lot

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Why this score? — see what drove the D 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 +13.8/30.0
• ARV discount +7.5/15.0
• DSCR +4.2/10.0
• Schools +3.5/10.0
• Rent growth +3.1/5.0
• Livability +3.1/5.0
• 1% rule +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

3 bedroom 2 bath large fenced in back yard corner lot. New roof, paint and carpet, new drain field. Home is ready to move in! SELLER WILL HELP WITH BUYERS CLOSING COSTS!

Key facts

• Fully fenced
• Walk-in closet
• Private bath

Tags

• CORNER LOT
• FULLY FENCED
• NEW WINDOWS
• LARGE PRIMARY SUITE
• WALK-IN CLOSET
• PRIVATE BATH

Property features AI

Finance

• Other: Homesteaded; Total living area approximately 1700 square feet; Lot size approximately 0.41 acre; Corner lot on asphalt road; Directions: Thornhill Rd to Temple
• HOA & community: No association fees; No association approval required

Exterior

• Parking: No designated parking
• Utilities: Public water; Septic tank sewer; Cable available
• Home design: Residential manufactured home (double wide); One level; Faces north
• Construction: Metal siding; Shingle roof; Crawlspace foundation; Built as a manufactured double wide
• Exterior features: Covered rear porch; Corner lot; Paved lot/drive; Other exterior features

Interior

• Kitchen: Dishwasher; Range; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; Split bedroom floorplan; Walk-in closet(s); Double pane windows; Family room (additional room); Fireplace in family room
• Laundry & utility: Inside laundry; Laundry closet

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $234k.

Deal economics

• At list price, monthly cash flow is $22 ($259/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 $180k (23.2% below list).
• Recommended offer: $180k (23.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 62/100 on livability (#769 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: employment D+, schools F, amenities F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents rising (+2.5%/yr); 341 active listings in the ZIP; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 38% of the median local income ($56k/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 $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 183 days — a 12% lower offer ($206k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 21y ago; this cycle's ask has dropped $16k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $80k; list at $234k implies a 192% 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 4→13/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $179,606 (23.2% below list)

Questions for the listing agent

1. It's been on market 183 days. Have you received any prior offers? Is the seller open to a 23% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.77% ✗
• Cap rate: 6.40%
• Cash-on-cash: 0.39%
• DSCR: 1.02
• GRM: 10.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.47% rent growth · sell at horizon

5-year hold

• IRR: -16.2%
• Equity multiple: 0.43×
• Total profit: $-37,606
• Equity at exit: $34,890

10-year hold

• IRR: -8.9%
• Equity multiple: 0.46×
• Total profit: $-35,286
• Equity at exit: $20,232

Cash invested: $65,520 (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 33880

• Home prices YoY: -16.2%
• Rents YoY: 2.5%
• Active inventory: 341
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $1,796 medium
• Mortgage (P&I): −$1,227
• Tax from tax record: −$73 /mo · $873/yr
• Insurance: −$98
• HOA: −$0
• Vacancy / Maint / Mgmt: −$377
• Net cashflow: $22

Break-even live

Break-even rent $1,769

Max offer price $234,000

Occupancy floor 94%

Sensitivity live

Price	-10% $154	-5% $88	+0% $22	+5% $-45	+10% $-111
Rent	-10% $-120	-5% $-49	+0% $22	+5% $92	+10% $163
Rate	-1.0pp $139	-0.5pp $81	base $22	+0.5pp $-39	+1.0pp $-101

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: $58,500
• Closing costs: $7,020
• Reserves months: —
• Total cash needed: —

Listing history 31 events

1. 2026-06-18
   days on market $234,000 Active 183 DOM
2. 2026-06-17
   days on market $234,000 Active 182 DOM
3. 2026-06-16
   days on market $234,000 Active 181 DOM
4. 2026-06-15
   days on market $234,000 Active 180 DOM
5. 2026-06-13
   days on market $234,000 Active 178 DOM
6. 2026-06-10
   pricedays on market $234,000 Active 175 DOM
7. 2026-06-09
   days on market $235,000 Active 174 DOM
8. 2026-06-08
   days on market $235,000 Active 173 DOM
9. 2026-06-07
   days on market $235,000 Active 172 DOM
10. 2026-06-05
    days on market $235,000 Active 169 DOM
11. 2026-06-03
    days on market $235,000 Active 167 DOM
12. 2026-06-01
    days on market $235,000 Active 166 DOM
13. 2026-05-31
    days on market $235,000 Active 165 DOM
14. 2026-04-29
    price $235,000
15. 2026-03-07
    price $239,000
16. 2026-02-16
    price $240,000
17. 2026-01-12
    price $245,000
18. 2025-12-17
    listed $250,000 Active
19. 2017-02-23
    soldstatus $80,000
20. 2017-02-17
    soldstatus $80,000 Sold 169-char remark

    Show marketing remark (169 chars)

    3 bedroom 2 bath large fenced in back yard corner lot. New roof, paint and carpet, new drain field. Home is ready to move in! SELLER WILL HELP WITH BUYERS CLOSING COSTS!

21. 2017-01-06
    status Pending 169-char remark

    Show marketing remark (169 chars)

    3 bedroom 2 bath large fenced in back yard corner lot. New roof, paint and carpet, new drain field. Home is ready to move in! SELLER WILL HELP WITH BUYERS CLOSING COSTS!

22. 2016-12-07
    status Active 169-char remark

    Show marketing remark (169 chars)

    3 bedroom 2 bath large fenced in back yard corner lot. New roof, paint and carpet, new drain field. Home is ready to move in! SELLER WILL HELP WITH BUYERS CLOSING COSTS!

23. 2016-11-14
    status Pending 169-char remark

    Show marketing remark (169 chars)

    3 bedroom 2 bath large fenced in back yard corner lot. New roof, paint and carpet, new drain field. Home is ready to move in! SELLER WILL HELP WITH BUYERS CLOSING COSTS!

24. 2016-11-07
    price $79,900 169-char remark

    Show marketing remark (169 chars)

    3 bedroom 2 bath large fenced in back yard corner lot. New roof, paint and carpet, new drain field. Home is ready to move in! SELLER WILL HELP WITH BUYERS CLOSING COSTS!

25. 2016-11-01
    price $82,900 169-char remark

    Show marketing remark (169 chars)

    3 bedroom 2 bath large fenced in back yard corner lot. New roof, paint and carpet, new drain field. Home is ready to move in! SELLER WILL HELP WITH BUYERS CLOSING COSTS!

26. 2016-10-25
    price $84,900 169-char remark

    Show marketing remark (169 chars)

    3 bedroom 2 bath large fenced in back yard corner lot. New roof, paint and carpet, new drain field. Home is ready to move in! SELLER WILL HELP WITH BUYERS CLOSING COSTS!

27. 2016-10-17
    listed $89,000 Active 169-char remark

    Show marketing remark (169 chars)

    3 bedroom 2 bath large fenced in back yard corner lot. New roof, paint and carpet, new drain field. Home is ready to move in! SELLER WILL HELP WITH BUYERS CLOSING COSTS!

28. 2008-09-25
    historical
29. 2008-06-11
    listed $74,000
30. 2005-12-15
    listed $89,900
31. 1989-12-01
    soldstatus $16,500

ⓘ 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: $873 · $73/mo
• Projected year-2 tax: $1,942 · $162/mo
• Expected delta: +$1,070/yr (+$89/mo · 122.6%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 4 d/yr ≥107°F today · 13 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,553
• − Mortgage interest: −$13,108
• − Property taxes: −$873
• − Insurance: −$1,170
• − Repairs & maintenance: −$1,724
• − Management: −$1,724
• − Depreciation: −$6,807
• Taxable loss: −$3,853
• Est. tax savings @ 24.0%: +$925
• After-tax cash flow: $1,183/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: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Jan Phyl Village

• Score: 62/100
• State rank: #769
• US rank: #17294

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jan Phyl Village, FL
• County: Polk County · 740,051 people
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 43,371
• Household income: $56,390
• Rent vs Own: 33.4% rent · 66.6% own
• Severe rent burden: 1412.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 49% Hispanic / Latino 27% Black 17% Two or more races 14% Asian 1%
• Hispanic origin (detail): Mexican 11% Puerto Rican 10% Cuban 2%
• Common ancestry: Hispanic 2% Lithuanian 1% Italian 1%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 74% English-only · Spanish 21% French/Haitian/Cajun 4%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -61.41%
• Current HPI: 317.8788
• Rent YoY: ▲ 2.47%
• Metro: Lakeland-Winter Haven, 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

+1324.2% since first listed

18 events — show timeline

• 2026-04-29 Price Changed $235,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-07 Price Changed $239,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-16 Price Changed $240,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-12 Price Changed $245,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-17 Listed $250,000 Stellar MLS as Distributed by MLS Grid
• 2017-02-23 Sold (Public Records) $80,000 Public Records
• 2017-02-17 Sold (MLS) $80,000 Stellar MLS as Distributed by MLS Grid
• 2017-01-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-12-07 Relisted — Stellar MLS as Distributed by MLS Grid
• 2016-11-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2016-11-07 Price Changed $79,900 Stellar MLS as Distributed by MLS Grid
• 2016-11-01 Price Changed $82,900 Stellar MLS as Distributed by MLS Grid
• 2016-10-25 Price Changed $84,900 Stellar MLS as Distributed by MLS Grid
• 2016-10-17 Listed $89,000 Stellar MLS as Distributed by MLS Grid
• 2008-09-25 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2008-06-11 Listed $74,000 Stellar MLS as Distributed by MLS Grid
• 2005-12-15 Listed $89,900 Stellar MLS as Distributed by MLS Grid
• 1989-12-01 Sold (Public Records) $16,500 Public Records

Property tax history

+4.1%/yr

Latest (2025): $873 · +18.8% YoY. Source: county tax records.