13905 Trinity Mountain Rd Unit 84 · French Gulch, CA
Flood risk 5/10 · Moderate
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.24%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 5/10 · Moderate
- Est. fire insurance / yr
- $659 – $1,223
Heat risk 8/10 · Major
- Hot days now (above 100°F)
- 8 days/yr
- Hot days in 30 yrs
- 19 days/yr
Wind risk 1/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 10/10 · Severe
- Unhealthy air days now
- 39 days/yr
- Unhealthy air days in 30 yrs
- 42 days/yr
Risk factors via First Street. Map © Google.
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
🖨 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
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
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.
Questions for the listing agent
- 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?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- 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?
- 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?
- 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.
- 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.
- 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
- IRR
- 41.2%
- Equity multiple
- 3.32×
- Total profit
- $50,951
- Equity at exit
- $35,297
- 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
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
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
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2026-06-19days on market $78,500 Active 39 DOM
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2026-06-18days on market $78,500 Active 38 DOM
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2026-06-17days on market $78,500 Active 37 DOM
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2026-06-16days on market $78,500 Active 36 DOM
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2026-06-15days on market $78,500 Active 35 DOM
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2026-06-14days on market $78,500 Active 33 DOM
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2026-06-13days on market $78,500 Active 32 DOM
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2026-06-10days on market $78,500 Active 30 DOM
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2026-06-09days on market $78,500 Active 29 DOM
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2026-06-08days on market $78,500 Active 28 DOM
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2026-06-07days on market $78,500 Active 27 DOM
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2026-06-03days on market $78,500 Active 23 DOM
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2026-06-02days on market $78,500 Active 22 DOM
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2026-06-01days on market $78,500 Active 21 DOM
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2026-06-01price $78,500 Active 20 DOM
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2026-05-31days on market $79,000 Active 20 DOM
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2026-05-30days on market $79,000 Active 19 DOM
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2026-05-11status Active
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2026-05-11$79,000 Active
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2026-04-11price $79,000
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2026-03-20price $87,500
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2026-02-27price $88,500
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2026-02-15price $89,000
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2026-01-31price $92,000
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2026-01-04price $94,500
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2025-11-21$95,000 Active
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2024-03-26soldstatus $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.
-
2024-03-08status 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.
-
2024-01-24$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
- 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
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 |
|---|---|---|
| Technology | 27 | $1,492B |
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| Financial Services | 3 | $174B |
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| Retail | 3 | $44B |
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| Insurance | 3 | $26B |
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| Media / Entertainment | 2 | $115B |
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| Pharmaceuticals / Biotech | 2 | $62B |
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Price history
-12.1% since first listed12 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%/yrLatest (2020): $352 · +0.7% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…