9000 US Highyway 192 #652 · Four Corners, FL 34714

$75,990

1 bd · 1.0 ba · 408 sqft · Manufactured · 119 Days on market

Built 1988 Good condition 1,909 sqft lot $256/mo HOA · 18% of rent ↓ 4% since listing

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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
• ARV discount +7.5/15.0
• Appreciation +4.8/10.0
• Condition / age +3.8/5.0
• Schools +3.5/10.0
• Livability +3.5/5.0
• Rent growth +1.6/5.0

Listing remarks

Welcome to Outdoor Resorts — where you don’t just own the home… you own the land. This well-maintained 1 bedroom, 1 bathroom single-wide is being sold furnished. It’s completely move-in ready and ideal for someone looking for low-maintenance living without sacrificing comfort. The home has been recently painted inside, newer flooring, a Wi-Fi thermostat, and a 4-year-old A/C. Step inside through the sliding glass door into a bright, open-concept living area that flows effortlessly into the fully equipped kitchen. The layout feels light, functional, and welcoming. You’ll find plenty of storage throughout, a clean and comfortable bathroom with a tub/shower combo

Key facts

• Two swimming pools
• Newer flooring
• Wi fi thermostat

Tags

• MOVE IN READY
• RECENTLY PAINTED
• NEWER FLOORING
• WI FI THERMOSTAT
• LARGE SIDE PATIO
• TWO SWIMMING POOLS

Property features AI

Finance

• Other: Furnished; Private lake access to Lake Davenport with limited access; on-site boat ramp (private), fishing pier, and skiing allowed
• Financial info: Total annual association fees shown as $3,072; Lease restrictions apply
• HOA & community: Sabrina Stone association (monthly HOA $256; quarterly association fee $768); Association approval required; fee required; Association includes 24-hour guard, cable TV, pool, escrow reserves, insurance, grounds maintenance, management, private road, recreational facilities, security, sewer, trash, and water; Community amenities: clubhouse, pool, tennis courts, pickleball courts, shuffleboard, playground, golf course, dog park; golf carts allowed; Senior community; pets allowed; Buyer approval required

Exterior

• Utilities: Well water; Private sewer; Broadband/high-speed internet available; Cable connected; Electricity connected; Sewer connected; Water connected
• Home design: Manufactured single-wide home; One level; North-facing entry
• Construction: Vinyl siding; Shingle roof; Crawlspace foundation; Model: ASPT
• Exterior features: Patio; Awnings; Rain gutters; Sliding doors; Exterior storage

Interior

• Kitchen: Range; Microwave; Refrigerator; Freezer
• Bedrooms: 1 bedroom
• Flooring: Laminate; Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; 3 total rooms
• Laundry & utility: Inside laundry; Washer; Dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath manufactured listed at $76k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $316 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $76k).
• Recommended offer: $69k (9.0% below list) — sets the bar for market timing.
• Cap rate 11.3% vs local median 3.2% in Four Corners — 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 (#453 in FL) — a middle-class / working-renter tenant base. Strengths: housing A+, cost of living A-; Watch: schools F, amenities F, health & safety F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: Rents falling (-3.5%/yr); 719 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).

Forward outlook

• In year one you build about $275 of equity ($526 loan paydown + $-251 appreciation (-0.3% local appreciation)).
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-0.3% appreciation + 0.0% rent growth), your $21k cash investment doubles in ~6 years — after that, you're playing with house money.

Negotiation context

• It's been on market 119 days — a 9% lower offer ($69k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $69,150 (9.0% below list)

Questions for the listing agent

1. It's been on market 119 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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.
7. 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.
8. 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: 1.83% ✓
• Cap rate: 11.29%
• Cash-on-cash: 17.84%
• DSCR: 1.79
• GRM: 4.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-0.33% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 13.3%
• Equity multiple: 1.60×
• Total profit: $12,862
• Equity at exit: $20,820

10-year hold

• IRR: 15.6%
• Equity multiple: 2.45×
• Total profit: $30,801
• Equity at exit: $24,053

Cash invested: $21,277 (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 34714

• Home prices YoY: -0.1%
• Rents YoY: -3.5%
• Active inventory: 719
• Price-to-rent: 4.6×

Monthly cashflow live

• Estimated rent: $1,389 medium
• Mortgage (P&I): −$398
• Tax est. 1.5%: −$95 /mo · $1,140/yr
• Insurance: −$32
• HOA: −$256
• Vacancy / Maint / Mgmt: −$292
• Net cashflow: $316

Break-even live

Break-even rent $989

Max offer price $75,990

Occupancy floor 72%

Sensitivity live

Price	-10% $369	-5% $343	+0% $316	+5% $290	+10% $264
Rent	-10% $207	-5% $261	+0% $316	+5% $371	+10% $426
Rate	-1.0pp $355	-0.5pp $336	base $316	+0.5pp $297	+1.0pp $277

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: $18,998
• Closing costs: $2,280
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9000 US Highway 192 #115 Clermont, FL	1.0	1.0	364	$950	$2.61	11d	1	0.15mi

HOA detail

• Monthly dues: $256 · $3,072/yr
• Likely covers: internet

Listing history 18 events

1. 2026-06-18
   price $75,990 Active 119 DOM
2. 2026-06-18
   days on market $77,000 Active 119 DOM
3. 2026-06-17
   days on market $77,000 Active 118 DOM
4. 2026-06-16
   days on market $77,000 Active 117 DOM
5. 2026-06-15
   days on market $77,000 Active 116 DOM
6. 2026-06-13
   days on market $77,000 Active 114 DOM
7. 2026-06-10
   days on market $77,000 Active 111 DOM
8. 2026-06-09
   days on market $77,000 Active 110 DOM
9. 2026-06-08
   days on market $77,000 Active 109 DOM
10. 2026-06-07
    days on market $77,000 Active 108 DOM
11. 2026-06-05
    days on market $77,000 Active 105 DOM
12. 2026-06-03
    days on market $77,000 Active 103 DOM
13. 2026-06-01
    days on market $77,000 Active 102 DOM
14. 2026-05-31
    days on market $77,000 Active 101 DOM
15. 2026-05-07
    price $77,000
16. 2026-04-16
    price $79,000
17. 2026-03-30
    price $79,500
18. 2026-02-19
    listed $80,000 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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 24 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: $16,671
• − Mortgage interest: −$4,257
• − Property taxes: −$1,140
• − Insurance: −$380
• − Repairs & maintenance: −$1,334
• − Management: −$1,334
• − HOA: −$3,072
• − Depreciation: −$2,211
• Taxable income: $2,944
• Est. tax owed @ 24.0%: −$707
• After-tax cash flow: $3,090/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.

Condition & rehab AI · 13 photos

Good 75/100 Cosmetic rehab

This well-maintained single-wide mobile home is move-in ready and ideal for low-maintenance living. It features a bright, open-concept living area, a fully equipped kitchen, and a clean bathroom with a tub/shower combo. The home has been recently painted inside and has newer flooring, a Wi-Fi thermostat, and a 4-year-old A/C.

Value-add opportunities

• Both Painting the exterior siding and trim — Painting the exterior will enhance the curb appeal and increase both resale and rental value.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior siding and trim — Painting the exterior will enhance the curb appeal and increase both resale and rental value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Four Corners

• Score: 69/100
• State rank: #453
• US rank: #8218

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Four Corners, FL
• County: Lake County · 364,602 people
• City population: 27,422
• Metro: Orlando-Kissimmee-Sanford, FL
• Population (ZIP): 28,200
• Household income: $75,392
• Rent vs Own: 49.3% rent · 50.7% own
• Severe rent burden: 953.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.59)
• Race & ethnicity: White 56% Hispanic / Latino 30% Two or more races 25% Black 6% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 17% Dominican 2%
• Common ancestry: Romanian 3% Lithuanian 3% Italian 2%
• Foreign-born: 13% · Canada, Jamaica
• Languages at home: 76% English-only · Spanish 19% Other Indo-European 1% Other Asian/Pacific 1%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -0.33%
• Current HPI: 256.1331
• Rent YoY: ▼ -3.46%
• Metro: Orlando-Kissimmee-Sanford, 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

-3.8% since first listed

4 events — show timeline

• 2026-05-07 Price Changed $77,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-16 Price Changed $79,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-30 Price Changed $79,500 Stellar MLS as Distributed by MLS Grid
• 2026-02-19 Listed $80,000 Stellar MLS as Distributed by MLS Grid