95 Wood Owl Ave · Ellenton, FL 34222

$189,900

2 bd · 1.0 ba · 828 sqft · Manufactured public records · 34 Days on market

Built 1985 4,748 sqft lot $208/mo HOA · 10% 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 +21.2/30.0
• ARV discount +7.5/15.0
• DSCR +6.8/10.0
• 1% rule +6.3/10.0
• Schools +4.4/10.0
• Livability +3.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

ANOTHER PRICE REDUCTION - MAKE AN OFFER !! Cute as a button, turnkey furnished home awaits you - just bring your tooth brush! Small in square footage yet large in living space. Lots of upgrades: Hunter Douglas double cell blinds in 2004. New Carport roof 2004, New roof in 2008, and Maytag A/C in 2010. Low E Argon, gray tint insulated glass Low E windows (Lifetime Limited Warranty) and steel hurricane shields in 2005. For additional square footage, enjoy your three-season lanai. New acrylic sliding unit windows and full storm door 2003. European style cabinetry, bay window in dining room, built-in hutch, vaulted ceilings, large walk-in closets in both bedrooms. Second bedroom -----separate shower/tub bath. Storage shed with stackable washer/dryer. Corner lot, fruit tree in back yard with large common area view from lanai. Check it out; you won't be disappointed!

Key facts

• 4,748 sq ft lot
• Parking
• Community pool

Property features AI

Finance

• Other: Furnished; Lease restrictions apply
• Financial info: Total annual fees $2,496 (total monthly fees $208)
• HOA & community: HOA required (Ridgewood Office); Monthly HOA approximately $173.33; Quarterly association fee $520; Quarterly condo fee $35 (land included); Association amenities: clubhouse, pool, spa/hot tub, tennis courts, pickleball courts, shuffleboard, recreational facilities, private road, maintenance grounds, trash; Buyer/association approval required; Senior community; Pets allowed with restrictions (dogs/cats; breed and number limits; max pet weight 25 lbs)

Exterior

• Parking: Has carport (1 space)
• Security: Gated community; 24-hour guard (included with association fees)
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected; Underground utilities; Cable available
• Home design: Residential manufactured home (double wide); One level; Faces south
• Construction: Vinyl siding; Shingle roof; Built on crawlspace
• Exterior features: Rain gutters; Concrete road access; Private maintained road

Interior

• Kitchen: Dishwasher; Disposal; Microwave; Range; Range hood; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Laminate; Crawlspace foundation
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heat; Central air; Humidity control
• Interior features: Ceiling fans; 6 total rooms
• Laundry & utility: Washer; Dryer; Laundry located outside

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $190k.

Deal economics

• At list price, monthly cash flow is $276 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $190k).
• Recommended offer: $184k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.0% vs local median 4.5% in Ellenton — 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 76/100 on livability (#232 in FL, #3,666 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities F, commute 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.
• Zoned schools: Blackburn Elementary School (math 62% / reading 42%, grade C-, #990 of 2,144 statewide, top 48%, 551 students, 78% FRL); Palmetto High School (math 22% / reading 36%, grade F, #456 of 667 statewide, top 68%, 2,100 students, 61% FRL) — zoned schools average 70% FRL vs 51% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 185 active listings in the ZIP; 5 comparable units currently listed for rent nearby; rentals leasing fast (median 5d on market — plan ~1-2 weeks tenant-placement turnaround); 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• This rent runs 40% of the median local income ($64k/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 $1k of loan paydown is wiped out by about $6k 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

• It's been on market 34 days — a 3% lower offer ($184k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 12y ago; this cycle's ask has dropped $15k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $65k; list at $190k 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 7→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $184,203 (3.0% below list)

Questions for the listing agent

1. It's been on market 34 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
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. Schools are D-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. 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: 1.13% ✓
• Cap rate: 8.03%
• Cash-on-cash: 6.22%
• DSCR: 1.28
• GRM: 7.4

CMA / ARV

• ARV (on-the-fly): $125,856
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
36 Wood Owl Ave	0.09mi	2/2.0	900 (+9%)	3mo	$209,900	$233	74
7 Meadow Cir	0.23mi	2/2.0	864 (+4%)	8mo	$159,000	$184	71
3100 Crystal Ln	0.62mi	2/1.0	855 (+3%)	6mo	$100,000	$117	61
3102 Terra Siesta Blvd	0.53mi	2/1.5	768 (-7%)	3mo	$80,000	$104	58
3104 Bessie Ln	0.56mi	2/1.5	950 (+15%)	10mo	$39,000	$41	39
3106 Donna Dr	0.70mi	2/2.0	936 (+13%)	12mo	$142,500	$152	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: -6.7%
• Equity multiple: 0.75×
• Total profit: $-13,121
• Equity at exit: $28,315

10-year hold

• IRR: 3.0%
• Equity multiple: 1.22×
• Total profit: $11,565
• Equity at exit: $16,419

Cash invested: $53,172 (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 34222

• Home prices YoY: -26.9%
• Active inventory: 185
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $2,138 high
• Mortgage (P&I): −$996
• Tax from tax record: −$130 /mo · $1,563/yr
• Insurance: −$79
• HOA: −$208
• Vacancy / Maint / Mgmt: −$449
• Net cashflow: $276

Break-even live

Break-even rent $1,789

Max offer price $189,900

Occupancy floor 82%

Sensitivity live

Price	-10% $383	-5% $329	+0% $276	+5% $222	+10% $168
Rent	-10% $107	-5% $191	+0% $276	+5% $360	+10% $445
Rate	-1.0pp $371	-0.5pp $324	base $276	+0.5pp $226	+1.0pp $176

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: $47,475
• Closing costs: $5,697
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2711 80th Ave E Ellenton, FL	3.0	2.0	1000	$1,836	$1.84	5d	1	0.64mi
2710 59th Dr E Ellenton, FL	1.0–3.0	1.0–2.0	1149	$2,234	$1.94	4d	37	0.66mi
5942 Factory Shops Blvd Ellenton, FL	1.0–3.0	1.0–2.0	953	$2,362	$2.48	3d	67	0.77mi
4212 Long Lake Way Ellenton, FL	2.0	2.0	1000	$1,900	$1.90	25d	1	1.03mi
4180 Yardly Dr Palmetto, FL	1.0–3.0	1.0–2.0	1021	$2,498	$2.45	5d	15	1.48mi

HOA detail

• Monthly dues: $208 · $2,496/yr

Listing history 16 events

1. 2026-05-05
   status Pending
2. 2026-04-27
   price $189,900
3. 2026-04-01
   listed $204,900 Active
4. 2015-05-04
   soldstatus $65,000
5. 2015-04-22
   soldstatus $65,000 Sold 877-char remark

   Show marketing remark (877 chars)

   ANOTHER PRICE REDUCTION - MAKE AN OFFER !! Cute as a button, turnkey furnished home awaits you - just bring your tooth brush! Small in square footage yet large in living space. Lots of upgrades: Hunter Douglas double cell blinds in 2004. New Carport roof 2004, New roof in 2008, and Maytag A/C in 2010. Low E Argon, gray tint insulated glass Low E windows (Lifetime Limited Warranty) and steel hurricane shields in 2005. For additional square footage, enjoy your three-season lanai. New acrylic sliding unit windows and full storm door 2003. European style cabinetry, bay window in dining room, built-in hutch, vaulted ceilings, large walk-in closets in both bedrooms. Second bedroom -----separate shower/tub bath. Storage shed with stackable washer/dryer. Corner lot, fruit tree in back yard with large common area view from lanai. Check it out; you won't be disappointed!

6. 2015-04-13
   status Pending 877-char remark

   Show marketing remark (877 chars)

   ANOTHER PRICE REDUCTION - MAKE AN OFFER !! Cute as a button, turnkey furnished home awaits you - just bring your tooth brush! Small in square footage yet large in living space. Lots of upgrades: Hunter Douglas double cell blinds in 2004. New Carport roof 2004, New roof in 2008, and Maytag A/C in 2010. Low E Argon, gray tint insulated glass Low E windows (Lifetime Limited Warranty) and steel hurricane shields in 2005. For additional square footage, enjoy your three-season lanai. New acrylic sliding unit windows and full storm door 2003. European style cabinetry, bay window in dining room, built-in hutch, vaulted ceilings, large walk-in closets in both bedrooms. Second bedroom -----separate shower/tub bath. Storage shed with stackable washer/dryer. Corner lot, fruit tree in back yard with large common area view from lanai. Check it out; you won't be disappointed!

7. 2015-03-30
   historical Contingent - Inspections 877-char remark

   Show marketing remark (877 chars)

   ANOTHER PRICE REDUCTION - MAKE AN OFFER !! Cute as a button, turnkey furnished home awaits you - just bring your tooth brush! Small in square footage yet large in living space. Lots of upgrades: Hunter Douglas double cell blinds in 2004. New Carport roof 2004, New roof in 2008, and Maytag A/C in 2010. Low E Argon, gray tint insulated glass Low E windows (Lifetime Limited Warranty) and steel hurricane shields in 2005. For additional square footage, enjoy your three-season lanai. New acrylic sliding unit windows and full storm door 2003. European style cabinetry, bay window in dining room, built-in hutch, vaulted ceilings, large walk-in closets in both bedrooms. Second bedroom -----separate shower/tub bath. Storage shed with stackable washer/dryer. Corner lot, fruit tree in back yard with large common area view from lanai. Check it out; you won't be disappointed!

8. 2014-06-14
   status Active 877-char remark

   Show marketing remark (877 chars)

   ANOTHER PRICE REDUCTION - MAKE AN OFFER !! Cute as a button, turnkey furnished home awaits you - just bring your tooth brush! Small in square footage yet large in living space. Lots of upgrades: Hunter Douglas double cell blinds in 2004. New Carport roof 2004, New roof in 2008, and Maytag A/C in 2010. Low E Argon, gray tint insulated glass Low E windows (Lifetime Limited Warranty) and steel hurricane shields in 2005. For additional square footage, enjoy your three-season lanai. New acrylic sliding unit windows and full storm door 2003. European style cabinetry, bay window in dining room, built-in hutch, vaulted ceilings, large walk-in closets in both bedrooms. Second bedroom -----separate shower/tub bath. Storage shed with stackable washer/dryer. Corner lot, fruit tree in back yard with large common area view from lanai. Check it out; you won't be disappointed!

9. 2014-06-10
   historical 877-char remark

   Show marketing remark (877 chars)

   ANOTHER PRICE REDUCTION - MAKE AN OFFER !! Cute as a button, turnkey furnished home awaits you - just bring your tooth brush! Small in square footage yet large in living space. Lots of upgrades: Hunter Douglas double cell blinds in 2004. New Carport roof 2004, New roof in 2008, and Maytag A/C in 2010. Low E Argon, gray tint insulated glass Low E windows (Lifetime Limited Warranty) and steel hurricane shields in 2005. For additional square footage, enjoy your three-season lanai. New acrylic sliding unit windows and full storm door 2003. European style cabinetry, bay window in dining room, built-in hutch, vaulted ceilings, large walk-in closets in both bedrooms. Second bedroom -----separate shower/tub bath. Storage shed with stackable washer/dryer. Corner lot, fruit tree in back yard with large common area view from lanai. Check it out; you won't be disappointed!

10. 2014-04-23
    price $79,900 877-char remark

    Show marketing remark (877 chars)

    ANOTHER PRICE REDUCTION - MAKE AN OFFER !! Cute as a button, turnkey furnished home awaits you - just bring your tooth brush! Small in square footage yet large in living space. Lots of upgrades: Hunter Douglas double cell blinds in 2004. New Carport roof 2004, New roof in 2008, and Maytag A/C in 2010. Low E Argon, gray tint insulated glass Low E windows (Lifetime Limited Warranty) and steel hurricane shields in 2005. For additional square footage, enjoy your three-season lanai. New acrylic sliding unit windows and full storm door 2003. European style cabinetry, bay window in dining room, built-in hutch, vaulted ceilings, large walk-in closets in both bedrooms. Second bedroom -----separate shower/tub bath. Storage shed with stackable washer/dryer. Corner lot, fruit tree in back yard with large common area view from lanai. Check it out; you won't be disappointed!

11. 2014-04-23
    price $84,900 877-char remark

    Show marketing remark (877 chars)

    ANOTHER PRICE REDUCTION - MAKE AN OFFER !! Cute as a button, turnkey furnished home awaits you - just bring your tooth brush! Small in square footage yet large in living space. Lots of upgrades: Hunter Douglas double cell blinds in 2004. New Carport roof 2004, New roof in 2008, and Maytag A/C in 2010. Low E Argon, gray tint insulated glass Low E windows (Lifetime Limited Warranty) and steel hurricane shields in 2005. For additional square footage, enjoy your three-season lanai. New acrylic sliding unit windows and full storm door 2003. European style cabinetry, bay window in dining room, built-in hutch, vaulted ceilings, large walk-in closets in both bedrooms. Second bedroom -----separate shower/tub bath. Storage shed with stackable washer/dryer. Corner lot, fruit tree in back yard with large common area view from lanai. Check it out; you won't be disappointed!

12. 2014-04-18
    listed $89,900 Active 877-char remark

    Show marketing remark (877 chars)

    ANOTHER PRICE REDUCTION - MAKE AN OFFER !! Cute as a button, turnkey furnished home awaits you - just bring your tooth brush! Small in square footage yet large in living space. Lots of upgrades: Hunter Douglas double cell blinds in 2004. New Carport roof 2004, New roof in 2008, and Maytag A/C in 2010. Low E Argon, gray tint insulated glass Low E windows (Lifetime Limited Warranty) and steel hurricane shields in 2005. For additional square footage, enjoy your three-season lanai. New acrylic sliding unit windows and full storm door 2003. European style cabinetry, bay window in dining room, built-in hutch, vaulted ceilings, large walk-in closets in both bedrooms. Second bedroom -----separate shower/tub bath. Storage shed with stackable washer/dryer. Corner lot, fruit tree in back yard with large common area view from lanai. Check it out; you won't be disappointed!

13. 2001-01-17
    soldstatus $47,000
14. 1994-10-19
    soldstatus $51,000
15. 1985-10-01
    soldstatus $54,900
16. 1985-07-01
    soldstatus $1,000,000

ⓘ 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: $1,563 · $130/mo
• Projected year-2 tax: $1,576 · $131/mo
• Expected delta: +$13/yr (+$1/mo · 0.8%)

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 30 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: $25,655
• − Mortgage interest: −$10,637
• − Property taxes: −$1,563
• − Insurance: −$950
• − Repairs & maintenance: −$2,052
• − Management: −$2,052
• − HOA: −$2,496
• − Depreciation: −$5,524
• Taxable income: $379
• Est. tax owed @ 24.0%: −$91
• After-tax cash flow: $3,217/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 — Ellenton

• Score: 76/100
• State rank: #232
• US rank: #3666

Category grades

Amenities F Commute F Cost of living A+ Crime B Employment C+ 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: 14,819
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 14,819
• Household income: $64,355
• Rent vs Own: 21.9% rent · 78.1% own
• Severe rent burden: 313.0

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: Predominantly White (70%)
• Race & ethnicity: White 70% Hispanic / Latino 17% Two or more races 13% Black 7% Native American 2% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 2%
• Common ancestry: Romanian 3% Slovak 2% Lithuanian 2%
• Foreign-born: 8% · Canada, Jamaica, Vietnam
• Languages at home: 88% English-only · Spanish 10% Other Indo-European 1% Vietnamese 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: ▼ -107.75%
• Current HPI: 293.2597
• Rent YoY: —
• 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

-81.0% since first listed

16 events — show timeline

• 2026-05-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Price Changed $189,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-01 Listed $204,900 Stellar MLS as Distributed by MLS Grid
• 2015-05-04 Sold (Public Records) $65,000 Public Records
• 2015-04-22 Sold (MLS) $65,000 Stellar MLS as Distributed by MLS Grid
• 2015-04-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2015-03-30 Contingent — Stellar MLS as Distributed by MLS Grid
• 2014-06-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-04-23 Price Changed $84,900 Stellar MLS as Distributed by MLS Grid
• 2014-04-23 Price Changed $79,900 Stellar MLS as Distributed by MLS Grid
• 2014-04-18 Listed $89,900 Stellar MLS as Distributed by MLS Grid
• 2001-01-17 Sold (Public Records) $47,000 Public Records
• 1994-10-19 Sold (Public Records) $51,000 Public Records
• 1985-10-01 Sold (Public Records) $54,900 Public Records
• 1985-07-01 Sold (Public Records) $1,000,000 Public Records

Property tax history

+4.7%/yr

Latest (2025): $1,563 · +0.7% YoY. Source: county tax records.