5244 Mohawk St · Zephyrhills West, FL 33542

$219,000

3 bd · 2.0 ba · 1,344 sqft · Manufactured public records · 37 Days on market

Built 1978 5,681 sqft lot Est $200k · 9% over $37/mo HOA · 2% of rent

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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 +13.6/30.0
• Schools +4.3/10.0
• DSCR +4.1/10.0
• 1% rule +3.6/10.0
• ARV discount +3.3/15.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• Rent growth +1.6/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Tired of cold, snowy weather? Want to spend those long, winter months in sunny Florida? This might be the home for you! This beautiful 2BR/2BA home is located in the desirable 55+ community of Betmar Acres, where you own your land with a low annual HOA fee of $299.59. This lovely home has wonderful curb appeal that continues throughout. It's been tastefully painted, has 6-panel doors, double-pane windows all around and ample storage space. The large kitchen/dining area has vinyl tile flooring, ceiling fan, newer appliances, decorative ceramic tile back splash , built-in desk and spacious counters and cupboards. The area flows nicely into the large living room which boasts, laminate floor, ceiling fan and a beautiful electric fireplace tucked in the corner for added ambiance. Just off the living room is a nicely appointed Florida room with laminate floor, a wall unit AC and new sliding doors with built-in blinds that lead to a great 10x10 composite deck for your outside enjoyment. Back inside the home, there's a study/den with French doors, laminate floor and ceiling fan. The guest bathroom, which is located between the study/den and the guest room has vinyl tile floor, pedestal sink with updated fixtures and a step-in shower. The guest bedroom offers laminate floor, ceiling fan and a walk-in closet. The master bedroom also has laminate floor, ceiling fan and a walk-in closet. The master bathroom has vinyl tile floor, step-in shower and updated vanity and fixtures. the home also offers a 12x17 carpeted sunroom with ceiling fan and newer windows. The laundry room is located outside, off the sunroom and has concrete floor, new washer and dryer and lots of shelving for storage. At the the back of the home, there's an 11x12 golf cart shed with automatic door opener, power, storage shelves, a workbench and plywood flooring. Don't forget it's near 27 holes of golf, 2 swimming pools and 2 hot tubs along with 3 clubhouses, a library, walking paths, game rooms (Billiards, Table Tennis, Board Games) miniature golf, enclosed shuffleboard courts, tennis courts, pickle ball courts, basketball court, Bocce courts, and Bingo. Per Seller's direction, home is not for sale with LLC's or Co-ops. * Additional fees may apply. Call for appointment today

Key facts

• Corner lot home
• Jack and jill bath
• Versatile den office

Tags

• CORNER LOT HOME
• VERSATILE DEN OFFICE
• JACK AND JILL BATH
• UPDATED LAMINATE FLOORING
• GRANITE COUNTERTOPS
• UPDATED CABINETRY

Property features AI

Finance

• Other: Furnished; Total acreage approximately 0.13 (less than 1/4 acre)
• Financial info: Lease restrictions apply
• HOA & community: Has HOA (monthly $37.33 / annual $448); Association approval required; Association amenities: clubhouse, maintenance, pool, tennis courts, trails; Community features: clubhouse, dog park, park, pool, tennis courts, trails, wheelchair access, buyer approval required; Pets allowed with breed restrictions

Exterior

• Parking: Has carport (1 space)
• Security: HOA includes security
• Utilities: Public water; Public sewer; Electricity connected; Cable connected; Fiber optics available; Broadband/high-speed internet available; Fire hydrant nearby; Sewer and water connected
• Home design: Manufactured double wide home; Single-story (one level); Faces west; Residential property
• Construction: Brick and vinyl siding construction; Membrane and shingle roof; Crawlspace foundation; Built as a manufactured home (double wide)
• Exterior features: Rain gutters; Sliding doors; Outdoor storage; Irrigation equipment; Asphalt road access; Public maintained road

Interior

• Kitchen: Dishwasher; Disposal; Range; Microwave; Refrigerator; Water purifier; Stone counters
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Ductless heating; Central air conditioning; Wall/window unit(s)
• Interior features: Built-in features; Ceiling fans; Stone counters; Thermostat; Walk-in closet(s); Electric fireplace in family room
• Laundry & utility: Inside laundry room; Washer; Dryer; Water softener

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $219k.

Deal economics

• At list price, monthly cash flow is $11 ($126/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 $189k (13.5% below list).
• Recommended offer: $189k (13.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 61/100 on livability (#772 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D-, amenities F, commute 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 falling (-3.6%/yr); 294 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• At $1,894/mo this rent would consume 46% of the median local household income ($49k/yr) (locally 831% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

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.
• 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 37 days — a 3% lower offer ($212k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 6y 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 $130k; list at $219k implies a 68% 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 6→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $189,380 (13.5% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
2. Built in 1978 — 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 0.86% ✗
• Cap rate: 6.35%
• Cash-on-cash: 0.21%
• DSCR: 1.01
• GRM: 9.6

CMA / ARV

• ARV (on-the-fly): $200,256
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5421 Powhattan St	0.16mi	2/2.0 (-1)	1,232 (-8%)	3mo	$145,000	$118	72
36615 Dina Dr	0.41mi	2/2.0 (-1)	1,360 (+1%)	3mo	$160,000	$118	71
5339 Montego Dr	0.29mi	2/2.0 (-1)	1,248 (-7%)	4mo	$160,000	$128	66
5350 Amanda St	0.47mi	2/2.0 (-1)	1,268 (-6%)	2mo	$195,000	$154	62
5823 Navaho Ct	0.56mi	2/2.0 (-1)	1,410 (+5%)	3mo	$210,000	$149	58
5404 Waters St	0.34mi	3/2.0	1,146 (-15%)	3mo	$146,000	$127	57
36825 Kiowa Ave	0.61mi	2/2.0 (-1)	1,404 (+4%)	4mo	$205,000	$146	56
5654 Arrowhead Dr	0.47mi	2/2.0 (-1)	1,144 (-15%)	1mo	$165,000	$144	48
36743 Tara Ave	0.62mi	3/2.0	1,152 (-14%)	0mo	$195,000	$169	47
36743 Kiowa Ave	0.58mi	2/2.0 (-1)	1,511 (+12%)	1mo	$240,000	$159	46
36847 Jodi Ave	0.56mi	2/2.0 (-1)	1,152 (-14%)	2mo	$194,500	$169	44
36946 Tara Ave	0.70mi	2/2.0 (-1)	1,144 (-15%)	1mo	$197,000	$172	37

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: -19.3%
• Equity multiple: 0.34×
• Total profit: $-40,357
• Equity at exit: $32,654

10-year hold

• IRR: -19.8%
• Equity multiple: 0.09×
• Total profit: $-55,683
• Equity at exit: $18,935

Cash invested: $61,320 (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 33542

• Home prices YoY: -20.6%
• Rents YoY: -3.6%
• Active inventory: 294
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $1,894 high
• Mortgage (P&I): −$1,148
• Tax from tax record: −$209 /mo · $2,507/yr
• Insurance: −$91
• HOA: −$37
• Vacancy / Maint / Mgmt: −$398
• Net cashflow: $11

Break-even live

Break-even rent $1,881

Max offer price $219,000

Occupancy floor 94%

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: $54,750
• Closing costs: $6,570
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
35940 Inspiration Dr Zephyrhills, FL	1.0–3.0	1.0–2.0	1034	$1,988	$1.92	2d	21	0.65mi
5914 Willow Ridge Dr #101 Zephyrhills, FL	2.0	2.0	987	$1,500	$1.52	24d	1	0.71mi
36321 Stonewood Ln #103 Zephyrhills, FL	2.0	2.0	987	$1,525	$1.55	24d	1	0.72mi
36243 Lake Chase Blvd #203 Zephyrhills, FL	3.0	2.0	1278	$1,775	$1.39	24d	1	0.74mi
36106 Lake Chase Blvd #102 Zephyrhills, FL	3.0	2.0	1170	$1,650	$1.41	5d	1	0.78mi
36106 Lake Chase Blvd Zephyrhills, FL	3.0	2.0	1325	$1,700	$1.28	24d	1	0.78mi
5521 Barbara St Zephyrhills, FL	2.0	2.0	1056	$1,800	$1.70	24d	1	0.78mi
36887 Highland Meadows Ct Zephyrhills, FL	4.0	2.0	1828	$2,250	$1.23	24d	1	0.88mi
36009 Deer Creek Dr #104 Zephyrhills, FL	2.0	2.0	1029	$1,450	$1.41	24d	1	0.88mi
36015 Deer Creek Dr #202 Zephyrhills, FL	2.0	2.0	1062	$1,450	$1.37	24d	1	0.89mi
36618 Goffaux Loop Zephyrhills, FL	4.0	2.0	1846	$2,115	$1.15	18d	1	0.93mi
37373 Sharks Eye Ln Zephyrhills, FL	3.0	2.0	1560	$2,200	$1.41	10d	1	0.93mi
6213 Back Forty Loop Zephyrhills, FL	4.0	2.5	1870	$2,395	$1.28	4d	1	0.99mi
37472 Sharks Eye Ln Zephyrhills, FL	3.0	2.0	1560	$2,100	$1.35	2d	1	1.02mi
5686 Barakat Rd Zephyrhills, FL	4.0	2.0	1828	$2,300	$1.26	24d	1	1.02mi
5686 Barakat Rd Zephyrhills, FL	4.0	2.0	1867	$2,250	$1.21	14d	1	1.02mi
36507 Camp Fire Ter Zephyrhills, FL	3.0	2.0	1537	$2,500	$1.63	24d	1	1.07mi
36401 Camp Fire Ter Unit 36401 Zephyrhills, FL	3.0	2.5	1634	$1,895	$1.16	20d	1	1.09mi
36406 Well Hill Way Zephyrhills, FL	3.0	2.5	1634	$2,000	$1.22	18d	1	1.11mi
36352 Well Hill Way Zephyrhills, FL	3.0	2.5	1634	$1,950	$1.19	2d	1	1.12mi
36403 Well Hill Way Zephyrhills, FL	3.0	2.5	1528	$2,200	$1.44	24d	1	1.14mi
37643 Leafside Ln Zephyrhills, FL	2.0	2.5	1541	$1,840	$1.19	22d	1	1.16mi
4850 Foliage Rd Zephyrhills, FL	2.0	2.5	1541	$1,780	$1.16	22d	1	1.18mi
37714 Leafside Ln Zephyrhills, FL	2.0	2.5	1541	$1,855	$1.20	14d	1	1.23mi
37711 Leafside Ln Zephyrhills, FL	2.0	2.5	1541	$1,765	$1.15	14d	1	1.24mi
37726 Leafside Ln Zephyrhills, FL	3.0	2.5	1634	$1,985	$1.21	22d	1	1.24mi
4111 Ryals Rd Zephyrhills, FL	4.0	3.0	1216	$2,195	$1.81	3d	1	1.25mi
36095 Carriage Pine Ct Zephyrhills, FL	3.0	2.0	1461	$1,990	$1.36	24d	1	1.26mi
6302 Abbott Station Dr Zephyrhills, FL	3.0	1.0–2.5	855	$1,999	$2.34	2d	142	1.27mi
37902 7th Ave Zephyrhills, FL	3.0	1.0	900	$1,775	$1.97	24d	1	1.35mi
37812 15th Ave Zephyrhills, FL	2.0	2.0	1000	$1,850	$1.85	24d	1	1.37mi
4820 Foliage Rd Zephyrhills, FL	2.0	2.5	1541	$1,780	$1.16	22d	1	1.41mi
37741 Leafside Ln Zephyrhills, FL	2.0	2.5	1541	$1,715	$1.11	24d	1	1.41mi
37688 Leafside Ln Zephyrhills, FL	3.0	2.5	1634	$1,935	$1.18	24d	1	1.41mi
37685 Leafside Ln Zephyrhills, FL	3.0	2.5	1634	$1,970	$1.21	5d	1	1.41mi
6249 Maisai Rd #6 Zephyrhills, FL	3.0	2.5	1561	$1,550	$0.99	2d	1	1.43mi
5237 1st St Zephyrhills, FL	3.0	1.0	964	$1,700	$1.76	24d	1	1.44mi
5143 1st St Zephyrhills, FL	3.0	2.0	1436	$1,750	$1.22	24d	1	1.44mi
4639 Coral St Zephyrhills, FL	2.0	2.0	1056	$1,250	$1.18	24d	1	1.46mi
6262 Maisie Rd Zephyrhills, FL	3.0	2.5	1363	$1,700	$1.25	24d	1	1.46mi

HOA detail

• Monthly dues: $37 · $444/yr
• Likely covers: electricpool

Listing history 23 events

1. 2026-06-18
   days on market $219,000 Active 37 DOM
2. 2026-06-17
   days on market $219,000 Active 36 DOM
3. 2026-06-16
   days on market $219,000 Active 35 DOM
4. 2026-06-15
   days on market $219,000 Active 34 DOM
5. 2026-06-13
   days on market $219,000 Active 32 DOM
6. 2026-06-09
   days on market $219,000 Active 28 DOM
7. 2026-06-08
   days on market $219,000 Active 27 DOM
8. 2026-06-07
   days on market $219,000 Active 26 DOM
9. 2026-06-04
   days on market $219,000 Active 23 DOM
10. 2026-06-03
    days on market $219,000 Active 22 DOM
11. 2026-06-02
    days on market $219,000 Active 21 DOM
12. 2026-06-01
    days on market $219,000 Active 20 DOM
13. 2026-05-31
    days on market $219,000 Active 19 DOM
14. 2026-05-12
    price $219,000
15. 2026-05-12
    listed $224,000 Active
16. 2026-03-09
    historical
17. 2025-10-29
    listed $224,000 Active
18. 2020-10-06
    soldstatus $130,000
19. 2020-10-01
    soldstatus $130,000 Sold 2273-char remark

    Show marketing remark (2273 chars)

    Tired of cold, snowy weather? Want to spend those long, winter months in sunny Florida? This might be the home for you! This beautiful 2BR/2BA home is located in the desirable 55+ community of Betmar Acres, where you own your land with a low annual HOA fee of $299.59. This lovely home has wonderful curb appeal that continues throughout. It's been tastefully painted, has 6-panel doors, double-pane windows all around and ample storage space. The large kitchen/dining area has vinyl tile flooring, ceiling fan, newer appliances, decorative ceramic tile back splash , built-in desk and spacious counters and cupboards. The area flows nicely into the large living room which boasts, laminate floor, ceiling fan and a beautiful electric fireplace tucked in the corner for added ambiance. Just off the living room is a nicely appointed Florida room with laminate floor, a wall unit AC and new sliding doors with built-in blinds that lead to a great 10x10 composite deck for your outside enjoyment. Back inside the home, there's a study/den with French doors, laminate floor and ceiling fan. The guest bathroom, which is located between the study/den and the guest room has vinyl tile floor, pedestal sink with updated fixtures and a step-in shower. The guest bedroom offers laminate floor, ceiling fan and a walk-in closet. The master bedroom also has laminate floor, ceiling fan and a walk-in closet. The master bathroom has vinyl tile floor, step-in shower and updated vanity and fixtures. the home also offers a 12x17 carpeted sunroom with ceiling fan and newer windows. The laundry room is located outside, off the sunroom and has concrete floor, new washer and dryer and lots of shelving for storage. At the the back of the home, there's an 11x12 golf cart shed with automatic door opener, power, storage shelves, a workbench and plywood flooring. Don't forget it's near 27 holes of golf, 2 swimming pools and 2 hot tubs along with 3 clubhouses, a library, walking paths, game rooms (Billiards, Table Tennis, Board Games) miniature golf, enclosed shuffleboard courts, tennis courts, pickle ball courts, basketball court, Bocce courts, and Bingo. Per Seller's direction, home is not for sale with LLC's or Co-ops. * Additional fees may apply. Call for appointment today

20. 2020-08-17
    status Pending 2273-char remark

    Show marketing remark (2273 chars)

    Tired of cold, snowy weather? Want to spend those long, winter months in sunny Florida? This might be the home for you! This beautiful 2BR/2BA home is located in the desirable 55+ community of Betmar Acres, where you own your land with a low annual HOA fee of $299.59. This lovely home has wonderful curb appeal that continues throughout. It's been tastefully painted, has 6-panel doors, double-pane windows all around and ample storage space. The large kitchen/dining area has vinyl tile flooring, ceiling fan, newer appliances, decorative ceramic tile back splash , built-in desk and spacious counters and cupboards. The area flows nicely into the large living room which boasts, laminate floor, ceiling fan and a beautiful electric fireplace tucked in the corner for added ambiance. Just off the living room is a nicely appointed Florida room with laminate floor, a wall unit AC and new sliding doors with built-in blinds that lead to a great 10x10 composite deck for your outside enjoyment. Back inside the home, there's a study/den with French doors, laminate floor and ceiling fan. The guest bathroom, which is located between the study/den and the guest room has vinyl tile floor, pedestal sink with updated fixtures and a step-in shower. The guest bedroom offers laminate floor, ceiling fan and a walk-in closet. The master bedroom also has laminate floor, ceiling fan and a walk-in closet. The master bathroom has vinyl tile floor, step-in shower and updated vanity and fixtures. the home also offers a 12x17 carpeted sunroom with ceiling fan and newer windows. The laundry room is located outside, off the sunroom and has concrete floor, new washer and dryer and lots of shelving for storage. At the the back of the home, there's an 11x12 golf cart shed with automatic door opener, power, storage shelves, a workbench and plywood flooring. Don't forget it's near 27 holes of golf, 2 swimming pools and 2 hot tubs along with 3 clubhouses, a library, walking paths, game rooms (Billiards, Table Tennis, Board Games) miniature golf, enclosed shuffleboard courts, tennis courts, pickle ball courts, basketball court, Bocce courts, and Bingo. Per Seller's direction, home is not for sale with LLC's or Co-ops. * Additional fees may apply. Call for appointment today

21. 2020-07-20
    listed $139,000 Active 2273-char remark

    Show marketing remark (2273 chars)

    Tired of cold, snowy weather? Want to spend those long, winter months in sunny Florida? This might be the home for you! This beautiful 2BR/2BA home is located in the desirable 55+ community of Betmar Acres, where you own your land with a low annual HOA fee of $299.59. This lovely home has wonderful curb appeal that continues throughout. It's been tastefully painted, has 6-panel doors, double-pane windows all around and ample storage space. The large kitchen/dining area has vinyl tile flooring, ceiling fan, newer appliances, decorative ceramic tile back splash , built-in desk and spacious counters and cupboards. The area flows nicely into the large living room which boasts, laminate floor, ceiling fan and a beautiful electric fireplace tucked in the corner for added ambiance. Just off the living room is a nicely appointed Florida room with laminate floor, a wall unit AC and new sliding doors with built-in blinds that lead to a great 10x10 composite deck for your outside enjoyment. Back inside the home, there's a study/den with French doors, laminate floor and ceiling fan. The guest bathroom, which is located between the study/den and the guest room has vinyl tile floor, pedestal sink with updated fixtures and a step-in shower. The guest bedroom offers laminate floor, ceiling fan and a walk-in closet. The master bedroom also has laminate floor, ceiling fan and a walk-in closet. The master bathroom has vinyl tile floor, step-in shower and updated vanity and fixtures. the home also offers a 12x17 carpeted sunroom with ceiling fan and newer windows. The laundry room is located outside, off the sunroom and has concrete floor, new washer and dryer and lots of shelving for storage. At the the back of the home, there's an 11x12 golf cart shed with automatic door opener, power, storage shelves, a workbench and plywood flooring. Don't forget it's near 27 holes of golf, 2 swimming pools and 2 hot tubs along with 3 clubhouses, a library, walking paths, game rooms (Billiards, Table Tennis, Board Games) miniature golf, enclosed shuffleboard courts, tennis courts, pickle ball courts, basketball court, Bocce courts, and Bingo. Per Seller's direction, home is not for sale with LLC's or Co-ops. * Additional fees may apply. Call for appointment today

22. 2015-05-15
    soldstatus $71,000
23. 2002-03-12
    soldstatus $47,000

ⓘ 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: $2,507 · $209/mo
• Projected year-2 tax: $2,507 · $209/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 4/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 6 d/yr ≥108°F today · 18 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,726
• − Mortgage interest: −$12,267
• − Property taxes: −$2,507
• − Insurance: −$1,095
• − Repairs & maintenance: −$1,818
• − Management: −$1,818
• − HOA: −$444
• − Depreciation: −$6,371
• Taxable loss: −$3,595
• Est. tax savings @ 24.0%: +$863
• After-tax cash flow: $989/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 — Zephyrhills West

• Score: 61/100
• State rank: #772
• US rank: #17403

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: Zephyrhills West, FL
• County: Pasco County · 524,098 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 23,612
• Household income: $49,316
• Rent vs Own: 27.5% rent · 72.5% own
• Severe rent burden: 831.0

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 (76%)
• Race & ethnicity: White 76% Hispanic / Latino 17% Two or more races 8% Black 4% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 10%
• Common ancestry: Lithuanian 3% Romanian 2% Iranian 2%
• Foreign-born: 5% · Canada, Jamaica
• Languages at home: 86% English-only · Spanish 12% Other Indo-European 1% Russian/Polish/Slavic 1%

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: ▼ -81.25%
• Current HPI: 313.3993
• Rent YoY: ▼ -3.56%
• 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

+366.0% since first listed

10 events — show timeline

• 2026-05-12 Price Changed $219,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-12 Listed $224,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-10-29 Listed $224,000 Stellar MLS as Distributed by MLS Grid
• 2020-10-06 Sold (Public Records) $130,000 Public Records
• 2020-10-01 Sold (MLS) $130,000 Stellar MLS as Distributed by MLS Grid
• 2020-08-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-07-20 Listed $139,000 Stellar MLS as Distributed by MLS Grid
• 2015-05-15 Sold (Public Records) $71,000 Public Records
• 2002-03-12 Sold (Public Records) $47,000 Public Records

Property tax history

+11.5%/yr

Latest (2025): $2,507 · +5.6% YoY. Source: county tax records.