5145 Hartford Ln · Wildwood, FL 34785

$250,000

3 bd · 2.0 ba · 1,848 sqft · Manufactured public records · 38 Days on market

Built 2006 7,081 sqft lot Est $205k · 22% over

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Why this score? — see what drove the D+ 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 +23.2/30.0
• DSCR +7.5/10.0
• Schools +5.2/10.0
• 1% rule +4.9/10.0
• Livability +3.5/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Pristine and welcoming 3 Bedroom, 2 Bathroom Jacobson Manufactured home located in Wildwood Country Resorts, just minutes away from Brownwood. Upon arriving the manicured landscaping and glass enclosed heat and air Lanai beckons you in. This property does not disappoint. Unique to this model is the upgraded construction complete with extra insulation, 2" X 8" Transverse Floors, 2" X 6" exterior walls and 2" X 4" interior walls. Both the garage, 22' X 36' and the 36" doors throughout the entry doors to bedrooms and bathrooms have been expanded. The Double Hung Low E Windows convey with a Lifetime Warranty. Newer enhances include stainless steel appliances, carpet in bedrooms, Laminate Floors in Master, Den, Living Room, and Dining Rooms, plus air conditioning and heat pump with one free service plan. Additionally, home is equipped with smoke detectors, heat activated fire alarms and is wired for hooking up the generator, which will also remain in the house!! Besides that, Golf Cart with 2 year old batteries and lawn equipment convey to the new owner. Please view the Tour 1 Video to see this one of a kind incredible manufactured home! Must See!!

Key facts

• Quaint covered patio
• Large laundry room
• Huge garage man cave

Tags

• ENCLOSED GLASS FLORIDA ROOM
• HUGE GARAGE MAN CAVE
• WOOD BURNING FIREPLACE
• QUAINT COVERED PATIO
• LARGE LAUNDRY ROOM
• LARGE ENSUITE BATH

Property features AI

Finance

• Other: Lot size approximately 0.16 acres; Total acreage less than 1/4 acre; Living area reported as 1,848 sq ft (public records); Building area reported as 2,088 sq ft (public records)
• Financial info: No lease restrictions indicated; Homestead exempt
• HOA & community: Street lights; Senior community

Exterior

• Parking: Attached garage; 4-car garage; Garage with workshop; Garage dimensions approximately 22 x 36
• Utilities: Public water; Public sewer; Electricity connected; Cable connected; Sewer connected; Water connected
• Home design: Manufactured double-wide home; Residential property; Single-story; Home faces north; Completed condition
• Construction: Vinyl siding over frame construction; Shingle roof; Crawlspace foundation; Built as a double-wide manufactured home
• Exterior features: Covered and enclosed patios/porches; Front porch; Rear porch; Awnings; Exterior lighting; Rain gutters; Sliding doors; Outdoor storage; Corner lot; Landscaped lot; Level lot; Paved surfaces

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Electric heating; Heat pump; Central air conditioning; Wood-burning fireplace
• Interior features: Ceiling fans; Vaulted ceilings; Walk-in closet(s); Window treatments; Skylight(s); Blinds
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $250k.

Deal economics

• At list price, monthly cash flow is $454 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $248k (0.7% below list).
• Recommended offer: $242k (3.0% below list) — sets the bar for market timing.
• Cap rate 8.5% vs local median 3.9% in Wildwood — 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 69/100 on livability (#471 in FL) — a middle-class / working-renter tenant base. Strengths: health & safety A+, cost of living A, crime A-; Watch: amenities F, commute F, employment D-.
• Sumter (rural): math 61% / reading 61% proficiency, ranked #11 of 73 in FL (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Wildwood Elementary School (math 49% / reading 52%, grade D+, #1,055 of 2,144 statewide, top 50%, 940 students, 76% FRL); South Sumter Middle School (math 55% / reading 54%, grade B-, #183 of 571 statewide, top 34%, 897 students, 61% FRL) — zoned schools average 68% FRL vs 51% district-wide (18 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: Rents rising (+2.9%/yr); 428 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).
• At $2,482/mo this rent would consume 45% of the median local household income ($66k/yr) (locally 730% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 38 days — a 3% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 7y 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.
• Current owner paid $143k; list at $250k implies a 75% 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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $242,500 (3.0% below list)

Questions for the listing agent

1. It's been on market 38 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. 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?
4. 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.
5. 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.
6. 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: 0.99% ✗
• Cap rate: 8.47%
• Cash-on-cash: 7.78%
• DSCR: 1.35
• GRM: 8.4

CMA / ARV

• ARV (on-the-fly): $205,128
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5146 Cambridge Ct	0.05mi	3/2.0	1,764 (-4%)	10mo	$174,000	$99	82
5453 Williamsburg Ln	0.02mi	2/2.0 (-1)	1,581 (-14%)	4mo	$175,000	$111	67

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 · 2.85% rent growth · sell at horizon

5-year hold

• IRR: -4.6%
• Equity multiple: 0.83×
• Total profit: $-12,064
• Equity at exit: $37,276

10-year hold

• IRR: 4.9%
• Equity multiple: 1.35×
• Total profit: $24,804
• Equity at exit: $21,615

Cash invested: $70,000 (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 34785

• Home prices YoY: -10.7%
• Rents YoY: 2.9%
• Active inventory: 428
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $2,482 medium
• Mortgage (P&I): −$1,311
• Tax from tax record: −$92 /mo · $1,103/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$521
• Net cashflow: $454

Break-even live

Break-even rent $1,908

Max offer price $250,000

Occupancy floor 77%

Sensitivity live

Price	-10% $596	-5% $525	+0% $454	+5% $383	+10% $313
Rent	-10% $258	-5% $356	+0% $454	+5% $552	+10% $650
Rate	-1.0pp $580	-0.5pp $518	base $454	+0.5pp $389	+1.0pp $323

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: $62,500
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2910 Monument Way The Villages, FL	2.0	2.0	1494	$2,600	$1.74	23d	1	0.58mi
3480 Kewadin Ave The Villages, FL	2.0	2.0	1758	$2,500	$1.42	23d	1	1.05mi
6629 Dan DiCiolla Dr Wildwood, FL	1.0–3.0	1.0–2.5	1075	$2,399	$2.23	23d	44	1.23mi
3359 Brianna Ln The Villages, FL	3.0	2.0	1584	$3,100	$1.96	23d	1	1.40mi

Listing history 8 events

1. 2026-05-30
   days on market $250,000 Active 38 DOM
2. 2026-04-22
   listed $250,000 Active
3. 2020-02-25
   soldstatus $143,000
4. 2020-02-11
   soldstatus $143,000 Sold 1198-char remark

   Show marketing remark (1198 chars)

   Pristine and welcoming 3 Bedroom, 2 Bathroom Jacobson Manufactured home located in Wildwood Country Resorts, just minutes away from Brownwood. Upon arriving the manicured landscaping and glass enclosed heat and air Lanai beckons you in. This property does not disappoint. Unique to this model is the upgraded construction complete with extra insulation, 2" X 8" Transverse Floors, 2" X 6" exterior walls and 2" X 4" interior walls. Both the garage, 22' X 36' and the 36" doors throughout the entry doors to bedrooms and bathrooms have been expanded. The Double Hung Low E Windows convey with a Lifetime Warranty. Newer enhances include stainless steel appliances, carpet in bedrooms, Laminate Floors in Master, Den, Living Room, and Dining Rooms, plus air conditioning and heat pump with one free service plan. Additionally, home is equipped with smoke detectors, heat activated fire alarms and is wired for hooking up the generator, which will also remain in the house!! Besides that, Golf Cart with 2 year old batteries and lawn equipment convey to the new owner. Please view the Tour 1 Video to see this one of a kind incredible manufactured home! Must See!!

5. 2020-01-29
   status Pending 1198-char remark

   Show marketing remark (1198 chars)

   Pristine and welcoming 3 Bedroom, 2 Bathroom Jacobson Manufactured home located in Wildwood Country Resorts, just minutes away from Brownwood. Upon arriving the manicured landscaping and glass enclosed heat and air Lanai beckons you in. This property does not disappoint. Unique to this model is the upgraded construction complete with extra insulation, 2" X 8" Transverse Floors, 2" X 6" exterior walls and 2" X 4" interior walls. Both the garage, 22' X 36' and the 36" doors throughout the entry doors to bedrooms and bathrooms have been expanded. The Double Hung Low E Windows convey with a Lifetime Warranty. Newer enhances include stainless steel appliances, carpet in bedrooms, Laminate Floors in Master, Den, Living Room, and Dining Rooms, plus air conditioning and heat pump with one free service plan. Additionally, home is equipped with smoke detectors, heat activated fire alarms and is wired for hooking up the generator, which will also remain in the house!! Besides that, Golf Cart with 2 year old batteries and lawn equipment convey to the new owner. Please view the Tour 1 Video to see this one of a kind incredible manufactured home! Must See!!

6. 2020-01-18
   status Active 1198-char remark

   Show marketing remark (1198 chars)

   Pristine and welcoming 3 Bedroom, 2 Bathroom Jacobson Manufactured home located in Wildwood Country Resorts, just minutes away from Brownwood. Upon arriving the manicured landscaping and glass enclosed heat and air Lanai beckons you in. This property does not disappoint. Unique to this model is the upgraded construction complete with extra insulation, 2" X 8" Transverse Floors, 2" X 6" exterior walls and 2" X 4" interior walls. Both the garage, 22' X 36' and the 36" doors throughout the entry doors to bedrooms and bathrooms have been expanded. The Double Hung Low E Windows convey with a Lifetime Warranty. Newer enhances include stainless steel appliances, carpet in bedrooms, Laminate Floors in Master, Den, Living Room, and Dining Rooms, plus air conditioning and heat pump with one free service plan. Additionally, home is equipped with smoke detectors, heat activated fire alarms and is wired for hooking up the generator, which will also remain in the house!! Besides that, Golf Cart with 2 year old batteries and lawn equipment convey to the new owner. Please view the Tour 1 Video to see this one of a kind incredible manufactured home! Must See!!

7. 2019-11-20
   status Pending 1198-char remark

   Show marketing remark (1198 chars)

   Pristine and welcoming 3 Bedroom, 2 Bathroom Jacobson Manufactured home located in Wildwood Country Resorts, just minutes away from Brownwood. Upon arriving the manicured landscaping and glass enclosed heat and air Lanai beckons you in. This property does not disappoint. Unique to this model is the upgraded construction complete with extra insulation, 2" X 8" Transverse Floors, 2" X 6" exterior walls and 2" X 4" interior walls. Both the garage, 22' X 36' and the 36" doors throughout the entry doors to bedrooms and bathrooms have been expanded. The Double Hung Low E Windows convey with a Lifetime Warranty. Newer enhances include stainless steel appliances, carpet in bedrooms, Laminate Floors in Master, Den, Living Room, and Dining Rooms, plus air conditioning and heat pump with one free service plan. Additionally, home is equipped with smoke detectors, heat activated fire alarms and is wired for hooking up the generator, which will also remain in the house!! Besides that, Golf Cart with 2 year old batteries and lawn equipment convey to the new owner. Please view the Tour 1 Video to see this one of a kind incredible manufactured home! Must See!!

8. 2019-09-16
   listed $149,000 Active 1198-char remark

   Show marketing remark (1198 chars)

   Pristine and welcoming 3 Bedroom, 2 Bathroom Jacobson Manufactured home located in Wildwood Country Resorts, just minutes away from Brownwood. Upon arriving the manicured landscaping and glass enclosed heat and air Lanai beckons you in. This property does not disappoint. Unique to this model is the upgraded construction complete with extra insulation, 2" X 8" Transverse Floors, 2" X 6" exterior walls and 2" X 4" interior walls. Both the garage, 22' X 36' and the 36" doors throughout the entry doors to bedrooms and bathrooms have been expanded. The Double Hung Low E Windows convey with a Lifetime Warranty. Newer enhances include stainless steel appliances, carpet in bedrooms, Laminate Floors in Master, Den, Living Room, and Dining Rooms, plus air conditioning and heat pump with one free service plan. Additionally, home is equipped with smoke detectors, heat activated fire alarms and is wired for hooking up the generator, which will also remain in the house!! Besides that, Golf Cart with 2 year old batteries and lawn equipment convey to the new owner. Please view the Tour 1 Video to see this one of a kind incredible manufactured home! Must See!!

ⓘ 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: $1,103 · $92/mo
• Projected year-2 tax: $2,075 · $173/mo
• Expected delta: +$972/yr (+$81/mo · 88.2%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,790
• − Mortgage interest: −$14,004
• − Property taxes: −$1,103
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,383
• − Management: −$2,383
• − Depreciation: −$7,273
• Taxable income: $1,394
• Est. tax owed @ 24.0%: −$335
• After-tax cash flow: $5,114/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: Sumter
• NCES district ID: 1201800
• Math proficiency: 61% ▼ -4.00%
• Reading proficiency: 61% ▼ -2.00%
• Median HH income: $48,240
• Composite: 51.74/100
• National rank: #1682
• State rank: #11 of 73 in FL

Livability — Wildwood

• Score: 69/100
• State rank: #471
• US rank: #8500

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Sumter County · 110,591 people
• City population: 21,568
• Metro: The Villages, FL
• Population (ZIP): 21,568
• Household income: $66,136
• Rent vs Own: 26.7% rent · 73.3% own
• Severe rent burden: 730.0

Population outlook (Sumter County) Hauer SSP2

• Today (2025): 161,172 people
• By 2030: 180,083 · +11.7%
• By 2040: 209,892 · +30.2%
• By 2050: 234,186 · +45.3%
• By 2075: 284,602 · +76.6%
• By 2100: 317,039 · +96.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 52% Black 29% Hispanic / Latino 14% Two or more races 3%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2%
• Common ancestry: Romanian 3% Lithuanian 2% Italian 2%
• Foreign-born: 11% · Canada, Jamaica
• Languages at home: 85% English-only · Spanish 12% Other Indo-European 1% French/Haitian/Cajun 1%

Political lean MEDSL · Sumter

• 2024 margin: Solid R (+37.6) · D 30.9% · R 68.6%
• 2008→2024 swing: -10.6pp toward R · 2008: -27.0pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+36.1 2016: R+39.2 2012: R+34.9 2008: R+27.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -32.14%
• Current HPI: 267.9137
• Rent YoY: ▲ 2.85%
• Metro: The Villages, 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

+67.8% since first listed

7 events — show timeline

• 2026-04-22 Listed $250,000 Stellar MLS as Distributed by MLS Grid
• 2020-02-25 Sold (Public Records) $143,000 Public Records
• 2020-02-11 Sold (MLS) $143,000 Stellar MLS as Distributed by MLS Grid
• 2020-01-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-01-18 Relisted — Stellar MLS as Distributed by MLS Grid
• 2019-11-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-09-16 Listed $149,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+4.4%/yr

Latest (2025): $1,103 · -1.4% YoY. Source: county tax records.