3327 Eileen Dr · Bradenton, FL 34222

$110,000

2 bd · 1.0 ba · 1,058 sqft · Manufactured public records · 127 Days on market

Built 1985 $220/mo HOA

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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
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

NO LOT RENT! Own your own lot! Immaculately and beautifully maintained 2 bedroom and 2 bathroom home in the quiet and peaceful neighborhood of Terra Siesta 55+ Co-op community. Home features vaulted ceilings in living and dining rooms. Inside laundry room just off kitchen with pantry and extra cabinet space. Utility shed and screened lanai off the carport. Night Security patrols from 10pm-6am for your security and peace of mind. 2 pools and 2 clubhouses add to your relaxation and fun scheduled weekly activities such as coffees, card games, shuffleboard, horseshoe pit, pickle-ball court and lot storage for your RV. $150 monthly HOA fees include your water, garbage pick-up and sewer. Bring your golf cart and your pet and move right in. Conveniently located near shopping, restaurants, bus lines, Ellenton Outlet Mall, and quick access to I-75.

Key facts

• Space for golf cart
• Utility shed
• Screened lanai

Tags

• LOW MAINTENANCE LIVING
• SOARING VAULTED CEILINGS
• WELL APPOINTED KITCHEN
• SCREENED LANAI
• UTILITY SHED
• SPACE FOR GOLF CART

Property features AI

Finance

• Other: Unfurnished; No lease restrictions indicated
• Financial info: Total monthly fees listed as $220; total annual fees listed as $2,640
• HOA & community: Monthly HOA fee $220 (includes sewer, trash, water); Association amenities: Clubhouse, Park, Pool, Shuffleboard Court; Association approval required; Senior community; Deed restrictions; Pets allowed (max ~25 lbs)

Exterior

• Parking: Covered driveway parking; Carport (1 space)
• Utilities: Public water; Public sewer; Electricity available and connected; Cable available and connected; Sewer and water included in association fee
• Home design: Manufactured home (double wide); One story; Faces west; Entry level: 1
• Construction: Frame construction; Shingle roof; Crawlspace foundation; Built as completed/manufactured
• Exterior features: Covered, enclosed and screened patio/porch; Exterior lighting; Rain gutters; Shed(s); Paved lot in county

Interior

• Kitchen: Disposal; Exhaust fan; Ice maker; Microwave; Range; Refrigerator; Water filtration system
• Bedrooms: 2 bedrooms (one-level)
• Flooring: Carpet; Ceramic tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air
• Interior features: Cathedral ceilings; Ceiling fans; Living room/dining room combo; Great Room
• Laundry & utility: Inside laundry room; Washer; Dryer; Electric water heater

🏢 Co-op / cooperative unit. The $110,000 price buys shares in the cooperative corporation, not the real estate itself — so it isn't comparable to a fee-simple sale price, and the cashflow / cap-rate / 1%-rule cards below (which assume you own the property and can rent it out) don't apply here. Expect board approval and a monthly maintenance fee on top of the price.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $110k.

Deal economics

• At list price, monthly cash flow is $630 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.2% vs local median 3.6% in Bradenton — 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 81/100 on livability (#101 in FL, #1,528 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, crime D, amenities F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 182 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• This rent runs 36% of the median local income ($64k/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 $761 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $31k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 127 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 8y ago; this cycle's ask has dropped $15k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $75k; 47% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $96,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 127 days. Have you received any prior offers? Is the seller open to a 12% 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. Crime grade is D 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?
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: 1.76% ✓
• Cap rate: 13.17%
• Cash-on-cash: 24.54%
• DSCR: 2.09
• GRM: 4.7

CMA / ARV

• ARV (on-the-fly): $147,062
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3310 Eileen Dr	0.08mi	2/2.0	1,040 (-2%)	0mo	$146,000	$140	89
3108 Dorothy Pl	0.19mi	2/2.0	1,056 (-0%)	10mo	$140,000	$133	79
3302 Evelyn Dr	0.14mi	2/2.0	1,008 (-5%)	3mo	$140,000	$139	79
3404 Judith Dr	0.37mi	2/2.0	1,056 (-0%)	1mo	$88,000	$83	78
3309 Evelyn Dr	0.11mi	2/2.0	960 (-9%)	1mo	$74,000	$77	75
3301 Evelyn Dr	0.13mi	2/2.0	966 (-9%)	2mo	$92,500	$96	74
3104 Donna Dr	0.22mi	2/2.0	960 (-9%)	5mo	$94,500	$98	66
3104 Bessie Ln	0.20mi	2/1.5	950 (-10%)	10mo	$39,000	$41	63
20 Wood Owl Ave	0.62mi	2/2.0	1,176 (+11%)	4mo	$200,000	$170	45
64 Spoonbill Ln	0.74mi	2/2.0	1,000 (-6%)	9mo	$212,100	$212	45
22 Wood Owl Ave	0.60mi	2/2.0	1,176 (+11%)	8mo	$190,000	$162	42
36 Wood Owl Ave	0.62mi	2/2.0	900 (-15%)	3mo	$209,900	$233	39

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

5-year hold

• IRR: 18.0%
• Equity multiple: 1.73×
• Total profit: $22,413
• Equity at exit: $16,401

10-year hold

• IRR: 26.4%
• Equity multiple: 3.33×
• Total profit: $71,650
• Equity at exit: $9,511

Cash invested: $30,800 (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 34222

• Home prices YoY: -26.9%
• Active inventory: 182
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $1,938 high
• Mortgage (P&I): −$577
• Tax from tax record: −$58 /mo · $701/yr
• Insurance: −$46
• HOA: −$220
• Vacancy / Maint / Mgmt: −$407
• Net cashflow: $630

Break-even live

Break-even rent $1,141

Max offer price $110,000

Occupancy floor 62%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3808 Sunset Dr Ellenton, FL	3.0	2.0	1441	$1,699	$1.18	21d	1	0.36mi
8314 Nancy Ln Ellenton, FL	2.0	2.0	1404	$1,895	$1.35	23d	1	0.36mi
2711 80th Ave E Ellenton, FL	3.0	2.0	1000	$1,836	$1.84	3d	1	0.37mi
7711 Desoto Dr Ellenton, FL	2.0	2.5	1356	$1,599	$1.18	14d	1	0.51mi
3908 Lemonwood Dr N Ellenton, FL	2.0	2.0	1400	$1,750	$1.25	23d	1	0.52mi
482 Outer Dr Unit NA Ellenton, FL	3.0	2.0	1400	$1,600	$1.14	3d	1	0.53mi
4212 Long Lake Way Ellenton, FL	2.0	2.0	1000	$1,900	$1.90	23d	1	0.60mi
3931 Day Bridge Pl Ellenton, FL	3.0	2.0	1250	$2,295	$1.84	3d	1	0.82mi
2710 59th Dr E Ellenton, FL	1.0–3.0	1.0–2.0	1149	$2,234	$1.94	2d	37	1.19mi
5942 Factory Shops Blvd Ellenton, FL	1.0–3.0	1.0–2.0	953	$2,362	$2.48	1d	67	1.31mi
5605 78th Ave E Palmetto, FL	3.0	2.0	1415	$2,800	$1.98	21d	1	1.47mi

HOA detail

• Monthly dues: $220 · $2,640/yr
• Likely covers: watersewertrashpoolsecurity

Listing history 21 events

1. 2026-06-18
   days on market $110,000 Active 127 DOM
2. 2026-06-17
   days on market $110,000 Active 126 DOM
3. 2026-06-16
   days on market $110,000 Active 125 DOM
4. 2026-06-15
   days on market $110,000 Active 124 DOM
5. 2026-06-13
   days on market $110,000 Active 122 DOM
6. 2026-06-13
   days on market $110,000 Active 121 DOM
7. 2026-06-10
   days on market $110,000 Active 119 DOM
8. 2026-06-09
   days on market $110,000 Active 118 DOM
9. 2026-06-08
   days on market $110,000 Active 117 DOM
10. 2026-06-08
    pricedays on market $110,000 Active 116 DOM
11. 2026-06-03
    days on market $124,900 Active 112 DOM
12. 2026-06-02
    days on market $124,900 Active 111 DOM
13. 2026-06-01
    days on market $124,900 Active 110 DOM
14. 2026-05-31
    days on market $124,900 Active 109 DOM
15. 2026-02-11
    listed $124,900 Active
16. 2019-02-11
    soldstatus $75,000
17. 2019-02-07
    soldstatus $75,000 Sold 851-char remark

    Show marketing remark (851 chars)

    NO LOT RENT! Own your own lot! Immaculately and beautifully maintained 2 bedroom and 2 bathroom home in the quiet and peaceful neighborhood of Terra Siesta 55+ Co-op community. Home features vaulted ceilings in living and dining rooms. Inside laundry room just off kitchen with pantry and extra cabinet space. Utility shed and screened lanai off the carport. Night Security patrols from 10pm-6am for your security and peace of mind. 2 pools and 2 clubhouses add to your relaxation and fun scheduled weekly activities such as coffees, card games, shuffleboard, horseshoe pit, pickle-ball court and lot storage for your RV. $150 monthly HOA fees include your water, garbage pick-up and sewer. Bring your golf cart and your pet and move right in. Conveniently located near shopping, restaurants, bus lines, Ellenton Outlet Mall, and quick access to I-75.

18. 2019-01-08
    status Pending 851-char remark

    Show marketing remark (851 chars)

    NO LOT RENT! Own your own lot! Immaculately and beautifully maintained 2 bedroom and 2 bathroom home in the quiet and peaceful neighborhood of Terra Siesta 55+ Co-op community. Home features vaulted ceilings in living and dining rooms. Inside laundry room just off kitchen with pantry and extra cabinet space. Utility shed and screened lanai off the carport. Night Security patrols from 10pm-6am for your security and peace of mind. 2 pools and 2 clubhouses add to your relaxation and fun scheduled weekly activities such as coffees, card games, shuffleboard, horseshoe pit, pickle-ball court and lot storage for your RV. $150 monthly HOA fees include your water, garbage pick-up and sewer. Bring your golf cart and your pet and move right in. Conveniently located near shopping, restaurants, bus lines, Ellenton Outlet Mall, and quick access to I-75.

19. 2018-10-17
    price $88,900 851-char remark

    Show marketing remark (851 chars)

    NO LOT RENT! Own your own lot! Immaculately and beautifully maintained 2 bedroom and 2 bathroom home in the quiet and peaceful neighborhood of Terra Siesta 55+ Co-op community. Home features vaulted ceilings in living and dining rooms. Inside laundry room just off kitchen with pantry and extra cabinet space. Utility shed and screened lanai off the carport. Night Security patrols from 10pm-6am for your security and peace of mind. 2 pools and 2 clubhouses add to your relaxation and fun scheduled weekly activities such as coffees, card games, shuffleboard, horseshoe pit, pickle-ball court and lot storage for your RV. $150 monthly HOA fees include your water, garbage pick-up and sewer. Bring your golf cart and your pet and move right in. Conveniently located near shopping, restaurants, bus lines, Ellenton Outlet Mall, and quick access to I-75.

20. 2018-09-13
    listed $94,900 Active 851-char remark

    Show marketing remark (851 chars)

    NO LOT RENT! Own your own lot! Immaculately and beautifully maintained 2 bedroom and 2 bathroom home in the quiet and peaceful neighborhood of Terra Siesta 55+ Co-op community. Home features vaulted ceilings in living and dining rooms. Inside laundry room just off kitchen with pantry and extra cabinet space. Utility shed and screened lanai off the carport. Night Security patrols from 10pm-6am for your security and peace of mind. 2 pools and 2 clubhouses add to your relaxation and fun scheduled weekly activities such as coffees, card games, shuffleboard, horseshoe pit, pickle-ball court and lot storage for your RV. $150 monthly HOA fees include your water, garbage pick-up and sewer. Bring your golf cart and your pet and move right in. Conveniently located near shopping, restaurants, bus lines, Ellenton Outlet Mall, and quick access to I-75.

21. 1991-12-05
    soldstatus $17,000

ⓘ 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: $701 · $58/mo
• Projected year-2 tax: $913 · $76/mo
• Expected delta: +$212/yr (+$18/mo · 30.2%)

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,257
• − Mortgage interest: −$6,162
• − Property taxes: −$701
• − Insurance: −$550
• − Repairs & maintenance: −$1,861
• − Management: −$1,861
• − HOA: −$2,640
• − Depreciation: −$3,200
• Taxable income: $6,283
• Est. tax owed @ 24.0%: −$1,508
• After-tax cash flow: $6,051/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: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — Bradenton

• Score: 81/100
• State rank: #101
• US rank: #1528

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Manatee County · 416,364 people
• City population: 227,091
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 14,819
• Household income: $64,355
• Rent vs Own: 21.9% rent · 78.1% own
• Severe rent burden: 313.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Hispanic / Latino 17% Two or more races 13% Black 7% Native American 2% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 2%
• Common ancestry: Romanian 3% Slovak 2% Lithuanian 2%
• Foreign-born: 8% · Canada, Jamaica, Vietnam
• Languages at home: 88% English-only · Spanish 10% Other Indo-European 1% Vietnamese 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -107.75%
• Current HPI: 293.2597
• Rent YoY: —
• Metro: North Port-Sarasota-Bradenton, 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

+634.7% since first listed

7 events — show timeline

• 2026-02-11 Listed $124,900 Stellar MLS as Distributed by MLS Grid
• 2019-02-11 Sold (Public Records) $75,000 Public Records
• 2019-02-07 Sold (MLS) $75,000 Stellar MLS as Distributed by MLS Grid
• 2019-01-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-10-17 Price Changed $88,900 Stellar MLS as Distributed by MLS Grid
• 2018-09-13 Listed $94,900 Stellar MLS as Distributed by MLS Grid
• 1991-12-05 Sold (Public Records) $17,000 Public Records

Property tax history

+7.2%/yr

Latest (2025): $701 · +6.2% YoY. Source: county tax records.