14130 SE 126th Blvd · Taylor Creek, FL 34974

$64,900

2 bd · 2.0 ba · 1,893 sqft · Manufactured public records · 9 Days on market

Built 2008 $240/mo HOA · 16% of rent

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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
• Schools +3.6/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to Blue Cypress Golf & RV Resort, a desirable 55+ community offering resort-style Florida living! This improved golf course lot includes a 2015 Heartland Cyclone 4200 luxury 5th wheel (43 ft) with upgrades throughout. Features include new fiberglass roof replacement with transferable warranty, quiet mini split A/C system, front & rear balconies, spacious paver patio, generator, and storage area with washer/dryer & freezer. Enjoy a 9-hole golf course, heated pool, pickleball, shuffleboard, boat ramp, fish house & Lake Okeechobee access. Minutes from Martin County line, shopping, dining & Seminole Brighton Bay Casino. Own your turnkey Florida retreat with

Key facts

• Spacious paver patio
• Washer dryer
• Storage area

Tags

• FIBERGLASS ROOF REPLACEMENT
• MINI SPLIT A/C SYSTEM
• SPACIOUS PAVER PATIO
• GENERATOR
• STORAGE AREA
• WASHER DRYER

Property features AI

Finance

• HOA & community: Has association; Monthly HOA of $240; HOA covers grounds maintenance; Community clubhouse, pool, golf course, and dog park; Senior community

Exterior

• Parking: Driveway; Golf cart parking
• Utilities: Public water; Public sewer
• Home design: Mobile home; One story; South-facing
• Construction: Aluminum siding; Other roof
• Exterior features: Open porch; Covered porch; Deck; First-floor entry; Not waterfront; Private maintained road

Interior

• Kitchen: Electric range
• Bedrooms: 2 main-level bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms (main level)
• Heating & cooling: Has heating (other); Has cooling (other)
• Interior features: Electric range; Carpet and vinyl flooring

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $65k.

Deal economics

• At list price, monthly cash flow is $464 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $65k).
• Cap rate 14.9% vs local median 4.1% in Taylor Creek — 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 56/100 on livability (#874 in FL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime B+; Watch: amenities F, commute F, employment F.
• Okeechobee (town): math 44% / reading 42% proficiency, ranked #58 of 73 in FL (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Everglades Elementary School (math 53% / reading 52%, grade C-, #976 of 2,144 statewide, top 46%, 760 students, 76% FRL); Osceola Middle School (math 53% / reading 36%, grade D, #320 of 571 statewide, top 57%, 753 students, 67% FRL); Okeechobee High School (math 30% / reading 42%, grade F, #359 of 667 statewide, top 55%, 1,692 students, 62% FRL) — zoned schools at 68% FRL track the district average.
• Market conditions: 402 active listings in the ZIP; 18 units permitted in Okeechobee County in 2024 (0 in 5+ unit buildings).
• This rent runs 34% of the median local income ($53k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $449 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Okeechobee County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $18k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 9 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts; this cycle's ask has dropped $11k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $11k; list at $65k implies a 482% 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; major wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $64,900

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 2.32% ✓
• Cap rate: 14.88%
• Cash-on-cash: 30.66%
• DSCR: 2.36
• GRM: 3.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 25.6%
• Equity multiple: 2.06×
• Total profit: $19,243
• Equity at exit: $9,677

10-year hold

• IRR: 33.4%
• Equity multiple: 4.06×
• Total profit: $55,610
• Equity at exit: $5,611

Cash invested: $18,172 (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 34974

• Home prices YoY: -15.6%
• Active inventory: 402
• Price-to-rent: 3.6×

Monthly cashflow live

• Estimated rent: $1,504 medium
• Mortgage (P&I): −$340
• Tax from tax record: −$117 /mo · $1,400/yr
• Insurance: −$27
• HOA: −$240
• Vacancy / Maint / Mgmt: −$316
• Net cashflow: $464

Break-even live

Break-even rent $916

Max offer price $64,900

Occupancy floor 64%

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: $16,225
• Closing costs: $1,947
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $240 · $2,880/yr
• Likely covers: pool

Listing history 21 events

1. 2026-06-19
   days on market $64,900 Active 9 DOM
2. 2026-06-18
   days on market $64,900 Active 8 DOM
3. 2026-06-17
   days on market $64,900 Active 7 DOM
4. 2026-06-16
   days on market $64,900 Active 6 DOM
5. 2026-06-15
   days on market $64,900 Active 5 DOM
6. 2026-06-14
   remarks 679-char remark
7. 2026-06-14
   pricedays on marketlisting id $64,900 Active 3 DOM
8. 2026-06-02
   days on market $75,500 Active 83 DOM
9. 2026-06-01
   days on market $75,500 Active 82 DOM
10. 2026-05-31
    days on market $75,500 Active 81 DOM
11. 2026-05-30
    days on market $75,500 Active 80 DOM
12. 2026-03-31
    historical
13. 2026-03-03
    price $75,500
14. 2025-09-20
    listed $75,500 Active
15. 2025-08-07
    listed $79,900 Active
16. 2025-06-26
    historical
17. 2025-06-19
    price $79,500
18. 2025-06-09
    price $85,000
19. 2025-05-11
    price $92,500
20. 2025-03-11
    listed $94,500 Active
21. 1991-05-01
    soldstatus $11,160

ⓘ 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: $1,400 · $117/mo
• Projected year-2 tax: $1,400 · $117/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 6/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,050
• − Mortgage interest: −$3,635
• − Property taxes: −$1,400
• − Insurance: −$324
• − Repairs & maintenance: −$1,444
• − Management: −$1,444
• − HOA: −$2,880
• − Depreciation: −$1,888
• Taxable income: $5,034
• Est. tax owed @ 24.0%: −$1,208
• After-tax cash flow: $4,363/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: Okeechobee
• NCES district ID: 1201410
• Math proficiency: 44% ▼ -12.00%
• Reading proficiency: 42% ▼ -4.00%
• Median HH income: $36,710
• Composite: 35.73/100
• National rank: #4855
• State rank: #58 of 73 in FL

Livability — Taylor Creek

• Score: 56/100
• State rank: #874
• US rank: #23017

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Okeechobee County · 23,975 people
• Metro: Okeechobee, FL
• Population (ZIP): 23,975
• Household income: $53,013
• Rent vs Own: 18.3% rent · 81.7% own
• Severe rent burden: 399.0

Population outlook (Okeechobee County) Hauer SSP2

• Today (2025): 37,273 people
• By 2030: 35,885 · -3.7%
• By 2040: 32,931 · -11.6%
• By 2050: 29,433 · -21.0%
• By 2075: 19,607 · -47.4%
• By 2100: 11,814 · -68.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 19% Two or more races 8% Asian 2% Black 2% Native American 1%
• Hispanic origin (detail): Mexican 12% Puerto Rican 1% Cuban 2%
• Common ancestry: Lithuanian 2% Iranian 2% Italian 2%
• Foreign-born: 11% · Canada, Jamaica
• Languages at home: 81% English-only · Spanish 16% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Okeechobee

• 2024 margin: Solid R (+53.8) · D 22.9% · R 76.7%
• 2008→2024 swing: -34.6pp toward R · 2008: -19.2pp · 2024: -53.8pp
• All cycles: 2024: R+53.8 2020: R+44.4 2016: R+39.5 2012: R+20.0 2008: R+19.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -64.47%
• Current HPI: 348.6692
• Rent YoY: —
• Metro: Okeechobee, 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

+576.5% since first listed

10 events — show timeline

• 2026-03-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-03-03 Price Changed $75,500 Stellar MLS as Distributed by MLS Grid
• 2025-09-20 Listed $75,500 Beaches MLS
• 2025-08-07 Listed $79,900 Stellar MLS as Distributed by MLS Grid
• 2025-06-26 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-06-19 Price Changed $79,500 Stellar MLS as Distributed by MLS Grid
• 2025-06-09 Price Changed $85,000 Stellar MLS as Distributed by MLS Grid
• 2025-05-11 Price Changed $92,500 Stellar MLS as Distributed by MLS Grid
• 2025-03-11 Listed $94,500 Stellar MLS as Distributed by MLS Grid
• 1991-05-01 Sold (Public Records) $11,160 Public Records

Property tax history

+13.8%/yr

Latest (2025): $1,400 · +141.5% YoY. Source: county tax records.