7712 Terra Siesta Blvd · Bradenton, FL 34222

$95,000

2 bd · 1.5 ba · 672 sqft · Manufactured public records · 36 Days on market

Built 1972 5,022 sqft lot Est $89k · 7% over $211/mo HOA · 11% of rent

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Why this score? — see what drove the B- 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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.4/10.0
• ARV discount +4.3/15.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

2 Bedroom Home in the Lovely 55+ Terra Siesta Community. Home is being Sold 'As Is'. Close to Shopping, Dr's Offices, Restaurants, Ellenton Outlet Mall, 301 & I75.

Key facts

• Oversized corner lot
• New drywall
• Two driveways

Tags

• OVERSIZED CORNER LOT
• TWO DRIVEWAYS
• LARGE CARPORT
• NEW INSULATION
• NEW DRYWALL
• NEW ELECTRICAL LINES

Property features AI

Finance

• Other: Turnkey furnished; Public records living area 672 sq ft; Building area total 1,232 sq ft; Road surface: asphalt (public maintained road); Direction to property: US 301 to Terra Siesta Blvd; home on corner, up on left
• Financial info: Total annual fees $2,532; Lease/rent restrictions apply
• HOA & community: Monthly association fee $211 (includes pool); Association approval required; Clubhouse, pool, recreation facilities, pickleball and shuffleboard courts; Buyer approval required; Senior community; Golf carts allowed; Pets allowed with restrictions (cats and dogs; weight limit 25 lbs; number limit; breed restrictions)

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Electricity connected; Cable available; Underground utilities; Water connected
• Home design: Mobile home (single wide); One story; Faces north; Entry level: One
• Construction: Metal siding; Roof over; Crawlspace foundation; Built on a 0.12-acre lot
• Exterior features: Awning(s); Rain gutters

Interior

• Kitchen: Range; Microwave; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Linoleum
• Bathrooms: 1 full bathroom
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen
• Laundry & utility: Washer; Dryer; Electric water heater; Laundry inside

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath manufactured listed at $95k.

Deal economics

• At list price, monthly cash flow is $665 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $95k).
• Recommended offer: $92k (3.0% below list) — sets the bar for market timing.
• Cap rate 14.7% vs local median 3.6% in Bradenton — 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 81/100 on livability (#101 in FL, #1,528 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, crime D, amenities 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.
• Market conditions: 182 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• This rent runs 35% 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 $657 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $27k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 36 days — a 3% lower offer ($92k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 2y ago; this cycle's ask has dropped $45k (32%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $40k; list at $95k implies a 138% 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→29/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $92,150 (3.0% below list)

Questions for the listing agent

1. It's been on market 36 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1972 — 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. 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: 1.97% ✓
• Cap rate: 14.69%
• Cash-on-cash: 29.99%
• DSCR: 2.33
• GRM: 4.2

CMA / ARV

• ARV (on-the-fly): $88,704
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3107 Darnea Ln	0.13mi	2/2.0	672 (0%)	0mo	$89,000	$132	92
7704 Terra Siesta Blvd	0.04mi	2/1.0	612 (-9%)	2mo	$81,000	$132	80
3102 Terra Siesta Blvd	0.03mi	2/1.5	768 (+14%)	3mo	$80,000	$104	72
3109 Cynthia Pl	0.07mi	1/1.0 (-1)	600 (-11%)	1mo	$87,000	$145	71
3401 Glenda Ln	0.39mi	2/1.5	768 (+14%)	10mo	$80,000	$104	50

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: 24.7%
• Equity multiple: 2.02×
• Total profit: $27,076
• Equity at exit: $14,165

10-year hold

• IRR: 32.5%
• Equity multiple: 3.96×
• Total profit: $78,610
• Equity at exit: $8,214

Cash invested: $26,600 (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: 182
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $1,872 medium
• Mortgage (P&I): −$498
• Tax from tax record: −$65 /mo · $780/yr
• Insurance: −$40
• HOA: −$211
• Vacancy / Maint / Mgmt: −$393
• Net cashflow: $665

Break-even live

Break-even rent $1,030

Max offer price $95,000

Occupancy floor 59%

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: $23,750
• Closing costs: $2,850
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5942 Factory Shops Blvd Ellenton, FL	1.0–3.0	1.0–2.0	953	$2,362	$2.48	1d	67	1.24mi

HOA detail

• Monthly dues: $211 · $2,532/yr

Listing history 19 events

1. 2026-06-18
   days on market $95,000 Active 36 DOM
2. 2026-06-17
   days on market $95,000 Active 35 DOM
3. 2026-06-16
   days on market $95,000 Active 34 DOM
4. 2026-06-15
   days on market $95,000 Active 33 DOM
5. 2026-06-13
   days on market $95,000 Active 31 DOM
6. 2026-06-13
   pricedays on market $95,000 Active 30 DOM
7. 2026-06-10
   days on market $129,900 Active 28 DOM
8. 2026-06-09
   days on market $129,900 Active 27 DOM
9. 2026-06-08
   days on market $129,900 Active 26 DOM
10. 2026-06-08
    days on market $129,900 Active 25 DOM
11. 2026-06-03
    days on market $129,900 Active 21 DOM
12. 2026-06-02
    days on market $129,900 Active 20 DOM
13. 2026-06-01
    days on market $129,900 Active 19 DOM
14. 2026-05-31
    days on market $129,900 Active 18 DOM
15. 2026-05-13
    listed $139,900 Active
16. 2024-09-25
    soldstatus $40,000 Closed 169-char remark

    Show marketing remark (169 chars)

    2 Bedroom Home in the Lovely 55+ Terra Siesta Community. Home is being Sold 'As Is'. Close to Shopping, Dr's Offices, Restaurants, Ellenton Outlet Mall, 301 & I75.

17. 2024-09-12
    status Pending 169-char remark

    Show marketing remark (169 chars)

    2 Bedroom Home in the Lovely 55+ Terra Siesta Community. Home is being Sold 'As Is'. Close to Shopping, Dr's Offices, Restaurants, Ellenton Outlet Mall, 301 & I75.

18. 2024-09-07
    listed $75,000 Active 169-char remark

    Show marketing remark (169 chars)

    2 Bedroom Home in the Lovely 55+ Terra Siesta Community. Home is being Sold 'As Is'. Close to Shopping, Dr's Offices, Restaurants, Ellenton Outlet Mall, 301 & I75.

19. 1992-12-16
    soldstatus $18,500

ⓘ 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: $780 · $65/mo
• Projected year-2 tax: $788 · $66/mo
• Expected delta: +$9/yr (+$1/mo · 1.1%)

ⓘ 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 · 29 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: $22,460
• − Mortgage interest: −$5,321
• − Property taxes: −$780
• − Insurance: −$475
• − Repairs & maintenance: −$1,797
• − Management: −$1,797
• − HOA: −$2,532
• − Depreciation: −$2,764
• Taxable income: $6,994
• Est. tax owed @ 24.0%: −$1,679
• After-tax cash flow: $6,300/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 — Bradenton

• Score: 81/100
• State rank: #101
• US rank: #1528

Category grades

Amenities F Commute A+ Cost of living A+ Crime D Employment D+ 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: 227,091
• 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

+656.2% since first listed

5 events — show timeline

• 2026-05-13 Listed $139,900 Stellar MLS as Distributed by MLS Grid
• 2024-09-25 Sold (MLS) $40,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-09-07 Listed $75,000 Stellar MLS as Distributed by MLS Grid
• 1992-12-16 Sold (Public Records) $18,500 Public Records

Property tax history

+5.0%/yr

Latest (2025): $780 · +9.3% YoY. Source: county tax records.