CashFlowRE
Sign in Sign up
13905 Trinity Mountain Rd Unit 84
A- Composite 82.35
Why this score? — see what drove the A- 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
  • ARV discount +15.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Appreciation +5.0/10.0
  • Schools +4.6/10.0
  • Livability +2.8/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0

$78,500

13905 Trinity Mountain Rd Unit 84 · French Gulch, CA 96033
2 bd · 2.0 ba · 1,412 sqft · Manufactured public records · 39 Days on market
Built 2007 Est $136k · 42% under ↓ 12% since listing

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

This 2007 home has been meticulously renovated for you in the last one year with all new cooling & heating unit, flooring, Ceiling fans, kitchen Island, interior paint and all appliances including the refrigerator. Home is 1040 sq. ft. 3 beds and 2 baths in Clear Creek Mobile Estate, a premier family park located in historic French Gulch. It is only a few minutes from beautiful Whiskeytown Lake, popular historic Old Shasta, and just 15 miles from Redding. Move right in and immediately start living your life in a well maintained park, surrounded by nature and mountains.

Key facts

  • New island
  • Newer flooring
  • Refreshed kitchen

Tags

EXTENSIVELY RENOVATEDNEW HEATING AND COOLING SYSTEMNEWER FLOORINGPAINTED KITCHEN CABINETSREFRESHED KITCHENNEW ISLAND

Property features AI

Finance

  • HOA & community: Located in a mobile home community (Clear Creek Mobile Estates)

Exterior

  • Parking: Carport with 2 spaces
  • Home design: Manufactured home (mobile home) sited in a park
  • Construction: Wood skirting
  • Exterior features: Composition roof; Asphalt road frontage; City street and county road access; Has a view; Located in Clear Creek Mobile Estates park

Interior

  • Kitchen: Dishwasher; Microwave; Refrigerator
  • Heating & cooling: Central air conditioning
  • Interior features: Dishwasher; Dryer; Microwave; Refrigerator; Washer; No fireplace
  • Laundry & utility: Washer; Dryer

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/2.0-bath manufactured listed at $78k.

Deal economics

  • At list price, monthly cash flow is $652 ($8k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $78k).
  • Recommended offer: $76k (3.0% below list) — sets the bar for market timing.

Location & tenants

  • Location reads 55/100 on livability (#834 in CA) — a working-class tenant base; expect higher turnover. Strengths: housing A+; Watch: schools D+, crime F, amenities F.
  • Shasta Union High (urban): math 41% / reading 67% proficiency, ranked #122 of 517 in CA (top 24%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease; only 16% free/reduced lunch — higher-income household profile.
  • Market conditions: 15 active listings in the ZIP; 246 units permitted in Shasta County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • In year one you build about $3k of equity ($543 loan paydown + $2k appreciation (3.0% local appreciation)).
  • Shasta County population projected to shrink 9% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
  • At projected returns (3.0% appreciation + 3.0% rent growth), your $22k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 39 days — a 3% lower offer ($76k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts since 2y 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

  • Climate carrying-cost: moderate flood risk; moderate wildfire risk; extreme-heat days projected 8→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $76,145 (3.0% below list)

Questions for the listing agent

  1. It's been on market 39 days. Have you received any prior offers? Is the seller open to a 3% 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 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?
  4. Crime grade is F 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?
  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
1.81%
Cap rate
16.26%
Cash-on-cash
35.59%
DSCR
2.58
GRM
4.6

CMA / ARV

ARV (on-the-fly)
$135,552
Comps found
2
Show comp detail 2 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
13905 Trinity Mountain Rd Unit 80 0.00mi 3/2.0 (+1) 1,412 (0%) 1mo $135,000 $96 94
13905 Trinity Mountain Rd #25 0.00mi 2/2.0 1,248 (-12%) 14mo $28,500 $23 69

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
41.2%
Equity multiple
3.32×
Total profit
$50,951
Equity at exit
$35,297
10-year hold
IRR
41.1%
Equity multiple
6.60×
Total profit
$123,182
Equity at exit
$54,397

Cash invested: $21,980 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
18 Strongly Tenant-Friendly
State California
18 Strongly Tenant-Friendly · D+13
County
— inherits STATE
City
— inherits STATE
AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

ZIP-level market 96033

Active inventory
15
Price-to-rent
4.6×

Monthly cashflow live

Estimated rent
$1,425 medium interval (Pro) →
Mortgage (P&I)
$412
Tax from tax record
$29 /mo · $352/yr
Insurance
$33
HOA
$0
Vacancy / Maint / Mgmt
$299
Net cashflow
$652

Break-even live

Break-even rent $600
Max offer price $78,500
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
$19,625
Closing costs
$2,355
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 29 events

  1. 2026-06-19
    days on market $78,500 Active 39 DOM
  2. 2026-06-18
    days on market $78,500 Active 38 DOM
  3. 2026-06-17
    days on market $78,500 Active 37 DOM
  4. 2026-06-16
    days on market $78,500 Active 36 DOM
  5. 2026-06-15
    days on market $78,500 Active 35 DOM
  6. 2026-06-14
    days on market $78,500 Active 33 DOM
  7. 2026-06-13
    days on market $78,500 Active 32 DOM
  8. 2026-06-10
    days on market $78,500 Active 30 DOM
  9. 2026-06-09
    days on market $78,500 Active 29 DOM
  10. 2026-06-08
    days on market $78,500 Active 28 DOM
  11. 2026-06-07
    days on market $78,500 Active 27 DOM
  12. 2026-06-03
    days on market $78,500 Active 23 DOM
  13. 2026-06-02
    days on market $78,500 Active 22 DOM
  14. 2026-06-01
    days on market $78,500 Active 21 DOM
  15. 2026-06-01
    price $78,500 Active 20 DOM
  16. 2026-05-31
    days on market $79,000 Active 20 DOM
  17. 2026-05-30
    days on market $79,000 Active 19 DOM
  18. 2026-05-11
    status Active
  19. 2026-05-11
    listed $79,000 Active
  20. 2026-04-11
    price $79,000
  21. 2026-03-20
    price $87,500
  22. 2026-02-27
    price $88,500
  23. 2026-02-15
    price $89,000
  24. 2026-01-31
    price $92,000
  25. 2026-01-04
    price $94,500
  26. 2025-11-21
    listed $95,000 Active
  27. 2024-03-26
    soldstatus $82,500 Closed 581-char remark
    Show marketing remark (581 chars)

    This 2007 home has been meticulously renovated for you in the last one year with all new cooling & heating unit, flooring, Ceiling fans, kitchen Island, interior paint and all appliances including the refrigerator. Home is 1040 sq. ft. 3 beds and 2 baths in Clear Creek Mobile Estate, a premier family park located in historic French Gulch. It is only a few minutes from beautiful Whiskeytown Lake, popular historic Old Shasta, and just 15 miles from Redding. Move right in and immediately start living your life in a well maintained park, surrounded by nature and mountains.

  28. 2024-03-08
    status Pending 581-char remark
    Show marketing remark (581 chars)

    This 2007 home has been meticulously renovated for you in the last one year with all new cooling & heating unit, flooring, Ceiling fans, kitchen Island, interior paint and all appliances including the refrigerator. Home is 1040 sq. ft. 3 beds and 2 baths in Clear Creek Mobile Estate, a premier family park located in historic French Gulch. It is only a few minutes from beautiful Whiskeytown Lake, popular historic Old Shasta, and just 15 miles from Redding. Move right in and immediately start living your life in a well maintained park, surrounded by nature and mountains.

  29. 2024-01-24
    listed $89,900 Active 581-char remark
    Show marketing remark (581 chars)

    This 2007 home has been meticulously renovated for you in the last one year with all new cooling & heating unit, flooring, Ceiling fans, kitchen Island, interior paint and all appliances including the refrigerator. Home is 1040 sq. ft. 3 beds and 2 baths in Clear Creek Mobile Estate, a premier family park located in historic French Gulch. It is only a few minutes from beautiful Whiskeytown Lake, popular historic Old Shasta, and just 15 miles from Redding. Move right in and immediately start living your life in a well maintained park, surrounded by nature and mountains.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CA · Resets to sale price

Current annual tax
$352 · $29/mo
Projected year-2 tax
$597 · $50/mo
Expected delta
+$244/yr (+$20/mo · 69.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 5/10 Major FEMA zone X (unshaded) · 24% chance over 30 yrs
  • 🔥 Wildfire 5/10 Major
  • 🌡 Heat 8/10 Severe 8 d/yr ≥100°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 10/10 Extreme 39 unhealthy d/yr today · 42 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$17,097
− Mortgage interest
−$4,397
− Property taxes
−$352
− Insurance
−$392
− Repairs & maintenance
−$1,368
− Management
−$1,368
− Depreciation
−$2,284
Taxable income
$6,936
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$1,665
After-tax cash flow
$6,157/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
Shasta Union High
NCES district ID
0636600
Math proficiency
41% ▲ 3.00%
Reading proficiency
67% ▲ 9.00%
Median HH income
$50,080
Composite
46.01/100
National rank
#2532
State rank
#122 of 517 in CA

Livability — French Gulch

Score
55/100
State rank
#834
US rank
#23173

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
French Gulch, CA
Population (ZIP)
245

Population outlook (Shasta County) Hauer SSP2

Today (2025)
179,231 people
By 2030
176,953 · -1.3%
By 2040
169,982 · -5.2%
By 2050
162,547 · -9.3%
By 2075
145,649 · -18.7%
By 2100
123,025 · -31.4%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (84%)
Race & ethnicity
White 84% Two or more races 10% Hispanic / Latino 7% Asian 6%
Hispanic origin (detail)
Mexican 5%
Common ancestry
Slovak 4% German 2% Lithuanian 2%
Foreign-born
6% · China
Languages at home
91% English-only · Chinese 6% Spanish 3%

Political lean MEDSL · Shasta

2024 margin
Solid R (+36.5) · D 30.5% · R 67.0% · Other 2.5%
2008→2024 swing
-10.7pp toward R · 2008: -25.8pp · 2024: -36.5pp
All cycles
2024: R+36.5 2020: R+33.1 2016: R+37.4 2012: R+30.3 2008: R+25.8

Not yet ingested

Civics

Market trends

HPI YoY
Current HPI
Rent YoY
Metro
State GDP YoY
▲ 3.21%
F500 in state
116

Industry mix (Fortune 500 HQ in CA)

Industry F500 HQs Revenue

Price history

-12.1% since first listed
12 events — show timeline
  • 2026-05-11 Relisted SAOR
  • 2026-05-11 Listed $79,000 SAOR
  • 2026-04-11 Price Changed $79,000 SAOR
  • 2026-03-20 Price Changed $87,500 SAOR
  • 2026-02-27 Price Changed $88,500 SAOR
  • 2026-02-15 Price Changed $89,000 SAOR
  • 2026-01-31 Price Changed $92,000 SAOR
  • 2026-01-04 Price Changed $94,500 SAOR
  • 2025-11-21 Listed $95,000 SAOR
  • 2024-03-26 Sold (MLS) $82,500 SAOR
  • 2024-03-08 Pending SAOR
  • 2024-01-24 Listed $89,900 SAOR

Property tax history

-1.2%/yr

Latest (2020): $352 · +0.7% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…