6671 SW 128th Ln · Worthington Springs, FL 32054

$289,400

3 bd · 2.0 ba · 2,176 sqft · SingleFamily · 182 Days on market

Built 2021 1.25 ac lot ↓ 16% since listing

---

Why this score? — see what drove the F 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).

• Appreciation +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.9/10.0
• Livability +3.2/5.0
• Cash flow +2.6/30.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +0.0/10.0
• DSCR +0.0/10.0

Listing remarks MLS

One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

Key facts

• 1.25 acre lot
• Built 2021
• Listed 181 days

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $289k.

Deal economics

• At list price, monthly cash flow is $-991 ($-12k/yr) — negative.
• To cash-flow at today's rent, offer at most $146k (49.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $128k (55.9% below list).
• Recommended offer: $128k (55.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 64/100 on livability (#689 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+, housing A; Watch: employment D+, amenities F, commute F.
• Union (town): math 62% / reading 54% proficiency, ranked #17 of 73 in FL (top 23%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Lake Butler Elementary School (math 74% / reading 63%, grade B+, #409 of 2,144 statewide, top 20%, 1,061 students, 64% FRL); Lake Butler Middle School (math 57% / reading 52%, grade B-, #183 of 571 statewide, top 34%, 691 students, 54% FRL); Union County High School (math 57% / reading 47%, grade D+, #160 of 667 statewide, top 25%, 633 students, 45% FRL) — zoned schools at 54% FRL track the district average.
• Market conditions: 65 active listings in the ZIP; 45 units permitted in Union County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $31k of equity ($2k loan paydown + $29k appreciation (10.0% local appreciation)).
• Union County population projected to shrink 9% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• By year 2, paydown + projected appreciation supports a ~$50k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 182 days — a 12% lower offer ($255k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $50k (15%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; severe wildfire risk; extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $127,739 (55.9% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 182 days. Have you received any prior offers? Is the seller open to a 56% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
7. 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.
8. 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.
9. 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: 0.44% ✗
• Cap rate: 2.18%
• Cash-on-cash: -14.67%
• DSCR: 0.35
• GRM: 18.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 14.1%
• Equity multiple: 2.17×
• Total profit: $94,527
• Equity at exit: $260,714

10-year hold

• IRR: 14.1%
• Equity multiple: 5.05×
• Total profit: $328,032
• Equity at exit: $562,241

Cash invested: $81,032 (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 32054

• Home prices YoY: 16.6%
• Active inventory: 65
• Price-to-rent: 18.9×

Monthly cashflow live

• Estimated rent: $1,277 medium
• Mortgage (P&I): −$1,518
• Tax est. 1.5%: −$362 /mo · $4,341/yr
• Insurance: −$121
• HOA: −$0
• Vacancy / Maint / Mgmt: −$268
• Net cashflow: $-991

Break-even live

Break-even rent $2,532

Max offer price $146,024

Occupancy floor —

Sensitivity live

Price	-10% $-791	-5% $-891	+0% $-991	+5% $-1,091	+10% $-1,191
Rent	-10% $-1,092	-5% $-1,041	+0% $-991	+5% $-940	+10% $-890
Rate	-1.0pp $-845	-0.5pp $-917	base $-991	+0.5pp $-1,066	+1.0pp $-1,142

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: $72,350
• Closing costs: $8,682
• Reserves months: —
• Total cash needed: —

Listing history 33 events

1. 2026-06-21
   days on market $289,400 Active 182 DOM
2. 2026-06-19
   days on market $289,400 Active 180 DOM
3. 2026-06-18
   price $289,400 Active 179 DOM
4. 2026-06-18
   days on market $289,900 Active 179 DOM
5. 2026-06-17
   days on market $289,900 Active 178 DOM
6. 2026-06-16
   days on market $289,900 Active 177 DOM
7. 2026-06-15
   days on market $289,900 Active 176 DOM
8. 2026-06-14
   days on market $289,900 Active 174 DOM
9. 2026-06-12
   days on market $289,900 Active 173 DOM
10. 2026-06-09
    days on market $289,900 Active 170 DOM
11. 2026-06-08
    days on market $289,900 Active 169 DOM
12. 2026-06-07
    days on market $289,900 Active 168 DOM
13. 2026-06-05
    days on market $289,900 Active 165 DOM
14. 2026-06-03
    days on market $289,900 Active 164 DOM
15. 2026-06-02
    days on market $289,900 Active 163 DOM
16. 2026-06-01
    days on market $289,900 Active 162 DOM
17. 2026-05-31
    days on market $289,900 Active 161 DOM
18. 2026-05-30
    days on market $289,900 Active 160 DOM
19. 2026-04-27
    status Active 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

20. 2026-04-18
    status Pending 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

21. 2026-04-07
    price $295,000 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

22. 2026-03-22
    price $299,000 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

23. 2026-03-17
    price $303,000 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

24. 2026-03-17
    status Active 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

25. 2026-03-08
    status Pending 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

26. 2026-02-18
    price $329,000 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

27. 2026-02-09
    price $309,000 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

28. 2026-01-23
    price $329,000 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

29. 2025-12-03
    listed $339,000 Active 1006-char remark

    Show marketing remark (1006 chars)

    One or more photo(s) has been virtually staged. Peace and tranquility await you on a lovely piece of property with sweeping views. Surrounded by trees and beautiful fields, this is your chance to live in peace and privacy. Great turn key property with land in Lake Butler. This well appointed mobile home comes with many upgrades. There's a large kitchen with huge island, open floor plan, big master bedroom with trey ceiling, master closet with island, luxury large master shower with seat. The home has vinyl throughout and there is no carpet. There are lots of windows, with many of those windows have a transom window above letting in lots of light and giving you privacy. The little details are everywhere crown molding, large trey ceiling in Family room, glass front door with storm door, tall kitchen cabinets, and stainless steel appliances, large laundry room with sink. The wonderful open floor plan is great for entertaining and enjoying all the holidays. Enjoy an acre of land on a quiet road.

30. 2025-10-30
    historical
31. 2025-07-22
    price $339,000
32. 2025-02-18
    price $350,000
33. 2025-01-31
    listed $349,900 Active

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 8/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 7 unhealthy d/yr today · 8 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,329
• − Mortgage interest: −$16,211
• − Property taxes: −$4,341
• − Insurance: −$1,447
• − Repairs & maintenance: −$1,226
• − Management: −$1,226
• − Depreciation: −$8,419
• Taxable loss: −$17,542
• Est. tax savings @ 24.0%: +$4,210
• After-tax cash flow: $-7,680/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: Union
• NCES district ID: 1201890
• Math proficiency: 62% ▼ -11.00%
• Reading proficiency: 54% ▼ -7.00%
• Median HH income: $40,908
• Composite: 48.59/100
• National rank: #2111
• State rank: #17 of 73 in FL

Livability — Worthington Springs

• Score: 64/100
• State rank: #689
• US rank: #14375

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 156
• Population (ZIP): 12,467

Population outlook (Union County) Hauer SSP2

• Today (2025): 14,613 people
• By 2030: 14,322 · -2.0%
• By 2040: 13,780 · -5.7%
• By 2050: 13,325 · -8.8%
• By 2075: 11,965 · -18.1%
• By 2100: 9,102 · -37.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (75%)
• Race & ethnicity: White 75% Black 14% Two or more races 8% Hispanic / Latino 4%
• Common ancestry: Slovak 2% Lithuanian 1% Italian 1%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · Spanish 4%

Political lean MEDSL · Union

• 2024 margin: Solid R (+68.3) · D 15.6% · R 83.8%
• 2008→2024 swing: -18.4pp toward R · 2008: -49.9pp · 2024: -68.3pp
• All cycles: 2024: R+68.3 2020: R+65.3 2016: R+62.4 2012: R+49.0 2008: R+49.9

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 33.99%
• Current HPI: 239.3346
• 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

-15.7% since first listed

15 events — show timeline

• 2026-04-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-07 Price Changed $295,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-22 Price Changed $299,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-17 Price Changed $303,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-17 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Price Changed $329,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-09 Price Changed $309,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-23 Price Changed $329,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-03 Listed $339,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-07-22 Price Changed $339,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-18 Price Changed $350,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-31 Listed $349,900 Stellar MLS as Distributed by MLS Grid