141 SE Maid Marion Ln · High Springs, FL 32643

$257,000

3 bd · 2.0 ba · 1,980 sqft · Manufactured public records · 38 Days on market

Built 2006 1.03 ac lot Est $226k · 14% over

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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 +18.8/30.0
• DSCR +5.9/10.0
• Schools +4.5/10.0
• 1% rule +3.9/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +1.3/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

This immaculate well maintained home is move in ready. Home has many extras such as crown mouldings. Rainsoft water system, Irrigation system, Florida room, new well pump & pipes, metal roof (2015), new water heater (2016), new AC unit (2017), new wood laminate floors in kitchen, dinning, living room and hall way.

Key facts

• Fully fenced
• Quiet community
• 1.03 acre lot

Tags

• PEACEFUL COUNTRY LIVING
• QUIET COMMUNITY
• FULLY FENCED
• DETACHED BLOCK GARAGE
• CLOSE TO OUTDOOR RECREATION

Property features AI

Finance

• Other: Homestead exempt; Property zoned A-1
• HOA & community: No HOA; Located in the Sherwood Forest development

Exterior

• Parking: 2-car garage
• Utilities: Private well; Septic tank; Electricity connected; Cable connected; Phone available
• Home design: Manufactured home (double wide); One story; Faces south; Entry level: one
• Construction: Vinyl siding; Metal roof; Crawlspace foundation; Built as a completed property
• Exterior features: Covered and enclosed porch; Front porch; Rear porch; Cleared, level lot; Mature landscaping; Public maintained paved road; Workshop on property

Interior

• Kitchen: Dishwasher; Disposal; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Wood-burning fireplace
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $257k.

Deal economics

• At list price, monthly cash flow is $260 ($3k/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 $229k (11.1% below list).
• Recommended offer: $229k (11.1% below list) — sets the bar for 1% rule.
• Cap rate 7.5% vs local median 4.0% in High Springs — 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 68/100 on livability (#506 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: health & safety D, amenities F, commute F.
• Columbia (town): math 53% / reading 54% proficiency, ranked #25 of 73 in FL (top 34%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Columbia City Elementary School (math 62% / reading 63%, grade B, #601 of 2,144 statewide, top 28%, 615 students, 62% FRL); Fort White High School (math 45% / reading 48%, grade D-, #216 of 667 statewide, top 33%, 1,158 students, 58% FRL) — zoned schools at 60% FRL track the district average.
• Market conditions: 189 active listings in the ZIP; solid renter incomes; 178 units permitted in Columbia County in 2024 (0 in 5+ unit buildings).
• This rent runs 33% of the median local income ($83k/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 $8k of value loss. Plan a longer hold.
• Columbia County population projected to shrink 7% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 38 days — a 3% lower offer ($249k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 9y 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 $155k; list at $257k implies a 66% 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; major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $228,579 (11.1% below list)

Questions for the listing agent

1. It's been on market 38 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
4. 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?
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: 0.89% ✗
• Cap rate: 7.51%
• Cash-on-cash: 4.34%
• DSCR: 1.19
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $225,720
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
20490 S US 441 Hwy	0.42mi	3/2.0	1,904 (-4%)	7mo	$217,900	$114	68

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: -9.6%
• Equity multiple: 0.65×
• Total profit: $-25,193
• Equity at exit: $38,320

10-year hold

• IRR: -0.2%
• Equity multiple: 0.99×
• Total profit: $-1,050
• Equity at exit: $22,221

Cash invested: $71,960 (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 32643

• Home prices YoY: -5.5%
• Active inventory: 189
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,286 medium
• Mortgage (P&I): −$1,348
• Tax from tax record: −$91 /mo · $1,092/yr
• Insurance: −$107
• HOA: −$0
• Vacancy / Maint / Mgmt: −$480
• Net cashflow: $260

Break-even live

Break-even rent $1,957

Max offer price $257,000

Occupancy floor 84%

Sensitivity live

Price	-10% $405	-5% $333	+0% $260	+5% $187	+10% $115
Rent	-10% $79	-5% $170	+0% $260	+5% $350	+10% $441
Rate	-1.0pp $389	-0.5pp $325	base $260	+0.5pp $193	+1.0pp $126

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: $64,250
• Closing costs: $7,710
• Reserves months: —
• Total cash needed: —

Listing history 27 events

1. 2026-06-19
   days on market $257,000 Active 38 DOM
2. 2026-06-18
   days on market $257,000 Active 37 DOM
3. 2026-06-17
   days on market $257,000 Active 36 DOM
4. 2026-06-16
   days on market $257,000 Active 35 DOM
5. 2026-06-15
   days on market $257,000 Active 34 DOM
6. 2026-06-14
   days on market $257,000 Active 32 DOM
7. 2026-06-12
   days on market $257,000 Active 31 DOM
8. 2026-06-09
   days on market $257,000 Active 28 DOM
9. 2026-06-08
   days on market $257,000 Active 27 DOM
10. 2026-06-07
    pricedays on market $257,000 Active 26 DOM
11. 2026-06-05
    days on market $259,000 Active 23 DOM
12. 2026-06-03
    days on market $259,000 Active 22 DOM
13. 2026-06-02
    days on market $259,000 Active 21 DOM
14. 2026-06-01
    days on market $259,000 Active 20 DOM
15. 2026-05-31
    days on market $259,000 Active 19 DOM
16. 2026-05-30
    days on market $259,000 Active 18 DOM
17. 2026-05-12
    listed $259,000 Active
18. 2026-05-03
    status Active
19. 2026-04-25
    status Pending
20. 2026-03-29
    price $255,000
21. 2025-12-13
    price $275,000
22. 2025-11-13
    listed $298,000 Active
23. 2018-03-26
    soldstatus $154,900
24. 2018-03-15
    soldstatus $154,000 321-char remark

    Show marketing remark (321 chars)

    This immaculate well maintained home is move in ready. Home has many extras such as crown mouldings. Rainsoft water system, Irrigation system, Florida room, new well pump & pipes, metal roof (2015), new water heater (2016), new AC unit (2017), new wood laminate floors in kitchen, dinning, living room and hall way.

25. 2017-12-21
    listed $159,900 321-char remark

    Show marketing remark (321 chars)

    This immaculate well maintained home is move in ready. Home has many extras such as crown mouldings. Rainsoft water system, Irrigation system, Florida room, new well pump & pipes, metal roof (2015), new water heater (2016), new AC unit (2017), new wood laminate floors in kitchen, dinning, living room and hall way.

26. 2005-07-15
    soldstatus $53,000
27. 2001-09-12
    soldstatus $15,000

ⓘ 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: $1,092 · $91/mo
• Projected year-2 tax: $2,133 · $178/mo
• Expected delta: +$1,042/yr (+$87/mo · 95.4%)

ⓘ 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 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 6 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,429
• − Mortgage interest: −$14,396
• − Property taxes: −$1,092
• − Insurance: −$1,285
• − Repairs & maintenance: −$2,194
• − Management: −$2,194
• − Depreciation: −$7,476
• Taxable loss: −$1,208
• Est. tax savings @ 24.0%: +$290
• After-tax cash flow: $3,410/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: Columbia
• NCES district ID: 1200360
• Math proficiency: 53% ▼ -10.00%
• Reading proficiency: 54% ▼ -3.00%
• Median HH income: $40,053
• Composite: 44.74/100
• National rank: #2750
• State rank: #25 of 73 in FL

Livability — High Springs

• Score: 68/100
• State rank: #506
• US rank: #9346

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Alachua County · 218,005 people
• City population: 11,953
• Metro: Gainesville, FL
• Population (ZIP): 11,953
• Household income: $83,386
• Rent vs Own: 11.1% rent · 88.9% own
• Severe rent burden: 150.0

Population outlook (Columbia County) Hauer SSP2

• Today (2025): 68,129 people
• By 2030: 67,501 · -0.9%
• By 2040: 65,465 · -3.9%
• By 2050: 63,058 · -7.4%
• By 2075: 56,291 · -17.4%
• By 2100: 45,243 · -33.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Black 11% Hispanic / Latino 8% Two or more races 5%
• Hispanic origin (detail): Mexican 1% Cuban 1%
• Common ancestry: Slovak 5% Italian 3% Lithuanian 3%
• Foreign-born: 3% · Canada
• Languages at home: 94% English-only · Spanish 4% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Columbia

• 2024 margin: Solid R (+50.2) · D 24.6% · R 74.7%
• 2008→2024 swing: -16.4pp toward R · 2008: -33.8pp · 2024: -50.2pp
• All cycles: 2024: R+50.2 2020: R+45.2 2016: R+44.5 2012: R+36.7 2008: R+33.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -18.02%
• Current HPI: 308.0178
• Rent YoY: —
• Metro: Gainesville, 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

+1626.7% since first listed

11 events — show timeline

• 2026-05-12 Listed $259,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-03 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-29 Price Changed $255,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-13 Price Changed $275,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-13 Listed $298,000 Stellar MLS as Distributed by MLS Grid
• 2018-03-26 Sold (Public Records) $154,900 Public Records
• 2018-03-15 Sold (MLS) $154,000 Stellar MLS as Distributed by MLS Grid
• 2017-12-21 Listed $159,900 Stellar MLS as Distributed by MLS Grid
• 2005-07-15 Sold (Public Records) $53,000 Public Records
• 2001-09-12 Sold (Public Records) $15,000 Public Records

Property tax history

-0.3%/yr

Latest (2025): $1,092 · +1.1% YoY. Source: county tax records.