6550 SE Debra Ave · Inglis, FL 34449

$199,900

3 bd · 2.0 ba · 1,404 sqft · Manufactured public records · 43 Days on market

Built 1987 2.00 ac lot Est $190k · 5% over

---

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
• Appreciation +7.0/10.0
• ARV discount +5.0/15.0
• Schools +3.6/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

* ONE YEAR HOME WARRANTY * Set on 2 wooded acres in Inglis, this 3 bedroom, 2 bath mobile home offers a mix of updated interior space and quiet country surroundings. With 1,404 living square feet, the home features a spacious open living and dining area with updated flooring, fresh paint, and large windows that bring in natural light and views of the property. The kitchen has been updated with quartz countertops, white cabinetry, subway tile backsplash, and plenty of prep and storage space. The split floor plan gives the primary bedroom additional privacy, complete with its own bathroom and walk-in closet, while the guest bedrooms are positioned on the opposite side of the home. Major updates have already been completed, including a roof and HVAC system in 2024. Outside, the property offers room to spread out beneath mature trees with a covered front porch, screened back porch, RV/travel trailer hookup, and plenty of space for equipment, recreational vehicles, or future additions. The mobile home is also equipped with tie-downs making it eligible for FHA Financing. Whether you are looking for a full-time residence, weekend getaway, or investment opportunity with acreage in Inglis, this property offers flexibility, privacy, in an Old Florida setting.

Key facts

• 2 acre lot
• Parking
• Built 1987

Property features AI

Finance

• Other: Approximately 2 acres (lot dimensions 280 x 290); Dirt road access; Zoned R2
• HOA & community: No association

Exterior

• Parking: Carport (1 space)
• Utilities: Well water; Septic tank; Electricity available
• Home design: Manufactured double-wide home; Residential property; One story; East-facing
• Construction: Wood siding; Shingle roof; Crawlspace foundation; Built on a double-wide manufactured home body type
• Exterior features: Deck; Rear screened porch; Private mailbox; Level, oversized, unpaved lot; Wooded property

Interior

• Kitchen: Range hood; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Cathedral ceilings; Ceiling fans; Solid surface countertops; Solid wood cabinets; Window treatments (blinds)
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $200k.

Deal economics

• At list price, monthly cash flow is $2k ($24k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($4k rent vs $200k).
• Recommended offer: $194k (3.0% below list) — sets the bar for market timing.
• Cap rate 19.2% vs local median 5.1% in Inglis — 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 61/100 on livability (#796 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: health & safety C-, schools F, amenities F.
• Levy (rural): math 45% / reading 43% proficiency, ranked #54 of 73 in FL (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 62% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 81 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 199 units permitted in Levy County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $9k of equity ($1k loan paydown + $8k appreciation (4.0% local appreciation)).
• Levy County population projected at -28% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (4.0% appreciation + 3.0% rent growth), your $56k cash investment doubles in ~2 years — after that, you're playing with house money.
• By year 4, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($194k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 4y 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.

Risks & watch-outs

• Watch-outs: flood insurance adds $125/mo.
• Climate carrying-cost: in FEMA flood zone A (mandatory federal flood insurance); severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $193,903 (3.0% below list)

Questions for the listing agent

1. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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: 2.20% ✓
• Cap rate: 19.24%
• Cash-on-cash: 46.23%
• DSCR: 3.06
• GRM: 3.8

CMA / ARV

• ARV (on-the-fly): $189,540
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
340 Debra St	0.31mi	3/2.0	1,404 (0%)	3mo	$190,000	$135	83
204 Vicki St	0.66mi	3/2.0	1,296 (-8%)	5mo	$170,000	$131	53

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

4.03% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 50.3%
• Equity multiple: 3.94×
• Total profit: $164,658
• Equity at exit: $101,700

10-year hold

• IRR: 49.0%
• Equity multiple: 8.00×
• Total profit: $391,912
• Equity at exit: $166,617

Cash invested: $55,972 (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 34449

• Home prices YoY: 1.3%
• Active inventory: 81
• Price-to-rent: 3.8×

Monthly cashflow live

• Estimated rent: $4,400 medium
• Mortgage (P&I): −$1,048
• Tax from tax record: −$188 /mo · $2,257/yr
• Insurance: −$83
• Flood insurance flood zone: −$125 /mo · $1,502/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$924
• Net cashflow: $2,031

Break-even live

Break-even rent $1,829

Max offer price $199,900

Occupancy floor 49%

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: $49,975
• Closing costs: $5,997
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
28 River Trail Dr Inglis, FL	3.0	2.5	1540	$4,400	$2.86	21d	1	1.30mi

Listing history 31 events

1. 2026-06-18
   days on market $199,900 Active 43 DOM
2. 2026-06-17
   days on market $199,900 Active 42 DOM
3. 2026-06-16
   days on market $199,900 Active 41 DOM
4. 2026-06-15
   days on market $199,900 Active 40 DOM
5. 2026-06-14
   days on market $199,900 Active 38 DOM
6. 2026-06-13
   days on market $199,900 Active 37 DOM
7. 2026-06-10
   days on market $199,900 Active 35 DOM
8. 2026-06-09
   days on market $199,900 Active 34 DOM
9. 2026-06-08
   days on market $199,900 Active 33 DOM
10. 2026-06-07
    days on market $199,900 Active 32 DOM
11. 2026-06-05
    days on market $199,900 Active 29 DOM
12. 2026-06-03
    days on market $199,900 Active 28 DOM
13. 2026-06-02
    days on market $199,900 Active 27 DOM
14. 2026-06-01
    days on market $199,900 Active 26 DOM
15. 2026-05-31
    days on market $199,900 Active 25 DOM
16. 2026-05-30
    days on market $199,900 Active 24 DOM
17. 2026-05-06
    listed $199,900 Active 1270-char remark

    Show marketing remark (1270 chars)

    * ONE YEAR HOME WARRANTY * Set on 2 wooded acres in Inglis, this 3 bedroom, 2 bath mobile home offers a mix of updated interior space and quiet country surroundings. With 1,404 living square feet, the home features a spacious open living and dining area with updated flooring, fresh paint, and large windows that bring in natural light and views of the property. The kitchen has been updated with quartz countertops, white cabinetry, subway tile backsplash, and plenty of prep and storage space. The split floor plan gives the primary bedroom additional privacy, complete with its own bathroom and walk-in closet, while the guest bedrooms are positioned on the opposite side of the home. Major updates have already been completed, including a roof and HVAC system in 2024. Outside, the property offers room to spread out beneath mature trees with a covered front porch, screened back porch, RV/travel trailer hookup, and plenty of space for equipment, recreational vehicles, or future additions. The mobile home is also equipped with tie-downs making it eligible for FHA Financing. Whether you are looking for a full-time residence, weekend getaway, or investment opportunity with acreage in Inglis, this property offers flexibility, privacy, in an Old Florida setting.

18. 2026-05-06
    listed $199,900 Active

    Show marketing remark (1270 chars)

    * ONE YEAR HOME WARRANTY * Set on 2 wooded acres in Inglis, this 3 bedroom, 2 bath mobile home offers a mix of updated interior space and quiet country surroundings. With 1,404 living square feet, the home features a spacious open living and dining area with updated flooring, fresh paint, and large windows that bring in natural light and views of the property. The kitchen has been updated with quartz countertops, white cabinetry, subway tile backsplash, and plenty of prep and storage space. The split floor plan gives the primary bedroom additional privacy, complete with its own bathroom and walk-in closet, while the guest bedrooms are positioned on the opposite side of the home. Major updates have already been completed, including a roof and HVAC system in 2024. Outside, the property offers room to spread out beneath mature trees with a covered front porch, screened back porch, RV/travel trailer hookup, and plenty of space for equipment, recreational vehicles, or future additions. The mobile home is also equipped with tie-downs making it eligible for FHA Financing. Whether you are looking for a full-time residence, weekend getaway, or investment opportunity with acreage in Inglis, this property offers flexibility, privacy, in an Old Florida setting.

19. 2025-02-06
    soldstatus $219,500
20. 2025-01-24
    soldstatus $219,500 Closed 444-char remark

    Show marketing remark (444 chars)

    LOCATION, LOCATION, LOCATION!! THIS AMAZING HOME IS LOCATED 15 MINUTES AWAY FROM THE GULF OF MEXICO, 12 TO LAKE ROUSSEAU. PERFECT FOR THIS FLORIDA TEMPERTURES, WETHER IF YOU'RE FISHING, SWIMMING, OR SIMPLY JUST WANT A PEACEFUL DAY. THIS IS IT!! THIS SPACIAOUS 3 BEDROOMS, 2 BATHROOMS, HAS QUARTZ COUNTER TOPS, NEW ROOF, NEW HVAC AND A HUGE PORCH, THAT LEADS YOU TO THE YARD, ON 2 ACRES. IS THE PERFECT HOME FOY YOU. MAKE YOUR APPOINTMENT TODAY!

21. 2024-12-04
    status Pending 444-char remark

    Show marketing remark (444 chars)

    LOCATION, LOCATION, LOCATION!! THIS AMAZING HOME IS LOCATED 15 MINUTES AWAY FROM THE GULF OF MEXICO, 12 TO LAKE ROUSSEAU. PERFECT FOR THIS FLORIDA TEMPERTURES, WETHER IF YOU'RE FISHING, SWIMMING, OR SIMPLY JUST WANT A PEACEFUL DAY. THIS IS IT!! THIS SPACIAOUS 3 BEDROOMS, 2 BATHROOMS, HAS QUARTZ COUNTER TOPS, NEW ROOF, NEW HVAC AND A HUGE PORCH, THAT LEADS YOU TO THE YARD, ON 2 ACRES. IS THE PERFECT HOME FOY YOU. MAKE YOUR APPOINTMENT TODAY!

22. 2024-10-22
    price $219,500 444-char remark

    Show marketing remark (444 chars)

    LOCATION, LOCATION, LOCATION!! THIS AMAZING HOME IS LOCATED 15 MINUTES AWAY FROM THE GULF OF MEXICO, 12 TO LAKE ROUSSEAU. PERFECT FOR THIS FLORIDA TEMPERTURES, WETHER IF YOU'RE FISHING, SWIMMING, OR SIMPLY JUST WANT A PEACEFUL DAY. THIS IS IT!! THIS SPACIAOUS 3 BEDROOMS, 2 BATHROOMS, HAS QUARTZ COUNTER TOPS, NEW ROOF, NEW HVAC AND A HUGE PORCH, THAT LEADS YOU TO THE YARD, ON 2 ACRES. IS THE PERFECT HOME FOY YOU. MAKE YOUR APPOINTMENT TODAY!

23. 2024-08-21
    price $229,500 444-char remark

    Show marketing remark (444 chars)

    LOCATION, LOCATION, LOCATION!! THIS AMAZING HOME IS LOCATED 15 MINUTES AWAY FROM THE GULF OF MEXICO, 12 TO LAKE ROUSSEAU. PERFECT FOR THIS FLORIDA TEMPERTURES, WETHER IF YOU'RE FISHING, SWIMMING, OR SIMPLY JUST WANT A PEACEFUL DAY. THIS IS IT!! THIS SPACIAOUS 3 BEDROOMS, 2 BATHROOMS, HAS QUARTZ COUNTER TOPS, NEW ROOF, NEW HVAC AND A HUGE PORCH, THAT LEADS YOU TO THE YARD, ON 2 ACRES. IS THE PERFECT HOME FOY YOU. MAKE YOUR APPOINTMENT TODAY!

24. 2024-05-26
    listed $235,000 Active 444-char remark

    Show marketing remark (444 chars)

    LOCATION, LOCATION, LOCATION!! THIS AMAZING HOME IS LOCATED 15 MINUTES AWAY FROM THE GULF OF MEXICO, 12 TO LAKE ROUSSEAU. PERFECT FOR THIS FLORIDA TEMPERTURES, WETHER IF YOU'RE FISHING, SWIMMING, OR SIMPLY JUST WANT A PEACEFUL DAY. THIS IS IT!! THIS SPACIAOUS 3 BEDROOMS, 2 BATHROOMS, HAS QUARTZ COUNTER TOPS, NEW ROOF, NEW HVAC AND A HUGE PORCH, THAT LEADS YOU TO THE YARD, ON 2 ACRES. IS THE PERFECT HOME FOY YOU. MAKE YOUR APPOINTMENT TODAY!

25. 2023-11-30
    soldstatus $88,000
26. 2022-10-20
    soldstatus $75,001 Closed
27. 2022-09-30
    status Pending
28. 2022-09-22
    status Active
29. 2022-09-07
    status Pending
30. 2022-09-06
    listed $85,000 Active
31. 1993-05-01
    soldstatus $50,000

ⓘ 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: $2,257 · $188/mo
• Projected year-2 tax: $2,257 · $188/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 6/10 Major FEMA zone A · 71% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $52,800
• − Mortgage interest: −$11,198
• − Property taxes: −$2,257
• − Insurance: −$2,502
• − Repairs & maintenance: −$4,224
• − Management: −$4,224
• − Depreciation: −$5,815
• Taxable income: $22,580
• Est. tax owed @ 24.0%: −$5,419
• After-tax cash flow: $18,954/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: Levy
• NCES district ID: 1201140
• Math proficiency: 45% ▼ -8.00%
• Reading proficiency: 43% ▼ -3.00%
• Median HH income: $35,254
• Composite: 36.42/100
• National rank: #4673
• State rank: #54 of 73 in FL

Livability — Inglis

• Score: 61/100
• State rank: #796
• US rank: #18314

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 3,508

Population outlook (Levy County) Hauer SSP2

• Today (2025): 36,536 people
• By 2030: 34,498 · -5.6%
• By 2040: 30,294 · -17.1%
• By 2050: 26,368 · -27.8%
• By 2075: 19,003 · -48.0%
• By 2100: 13,169 · -64.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (93%)
• Race & ethnicity: White 93% Two or more races 5% Hispanic / Latino 3%
• Common ancestry: Lithuanian 2% Slovak 2% Serbian 2%
• Foreign-born: 2% · Canada, Guatemala
• Languages at home: 98% English-only · Spanish 2%

Political lean MEDSL · Levy

• 2024 margin: Solid R (+50.3) · D 24.6% · R 74.8%
• 2008→2024 swing: -23.3pp toward R · 2008: -26.9pp · 2024: -50.3pp
• All cycles: 2024: R+50.3 2020: R+45.6 2016: R+44.8 2012: R+32.2 2008: R+26.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 4.03%
• Current HPI: 319.0929
• Rent YoY: —
• Metro: —
• 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

+299.8% since first listed

15 events — show timeline

• 2026-05-06 Listed $199,900 RACC
• 2026-05-06 Listed $199,900 Stellar MLS as Distributed by MLS Grid
• 2025-02-06 Sold (Public Records) $219,500 Public Records
• 2025-01-24 Sold (MLS) $219,500 Stellar MLS as Distributed by MLS Grid
• 2024-12-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-10-22 Price Changed $219,500 Stellar MLS as Distributed by MLS Grid
• 2024-08-21 Price Changed $229,500 Stellar MLS as Distributed by MLS Grid
• 2024-05-26 Listed $235,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-30 Sold (Public Records) $88,000 Public Records
• 2022-10-20 Sold (MLS) $75,001 Stellar MLS as Distributed by MLS Grid
• 2022-09-30 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-09-22 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-09-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-09-06 Listed $85,000 Stellar MLS as Distributed by MLS Grid
• 1993-05-01 Sold (Public Records) $50,000 Public Records

Property tax history

+21.4%/yr

Latest (2025): $2,257 · +38.8% YoY. Source: county tax records.