1785 SW Diana Ter · Stuart, FL 34997

$68,000

2 bd · 2.0 ba · 1,150 sqft · Manufactured · 60 Days on market

Manufactured home 55+ age-restricted Built 1980 Fair condition $59/sqft · 56% below area

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Why this score? — see what drove the C 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 +22.5/30.0
• 1% rule +7.5/10.0
• DSCR +7.5/10.0
• ARV discount +7.5/15.0
• Schools +4.8/10.0
• Livability +4.2/5.0
• Rent growth +3.2/5.0
• Appreciation +2.5/10.0
• Condition / age +2.2/5.0
• Manufactured-home adj. -5.0

Listing remarks

Affordable Florida Living for 55+ in the Heart of Stuart -Exceptional value in great area, conveniently located near restaurants, shopping, hospitals, churches, beaches. This spacious manufactured home features two spacious master bedroom suites, each with its own private bathroom. The bright, open floor plan makes excellent use of every square foot, with tasteful finishes and abundant natural light throughout. Enjoy the Florida lifestyle from two inviting patios: • The east patio overlooks lush tropical landscaping, making it the perfect spot for your morning coffee. • The covered west patio provides a comfortable place to relax and entertain year-round.

Key facts

• Covered carport
• Heart of stuart
• Hurricane shutters

Tags

• HEART OF STUART
• TWO INVITING PATIOS
• LUSH TROPICAL LANDSCAPING
• COVERED CARPORT
• HURRICANE SHUTTERS
• DOUBLE-INSULATED METAL ROOF

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $68k. Condition is rated fair.

Deal economics

• At list price, monthly cash flow is $679 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $68k).
• Recommended offer: $66k (3.0% below list) — sets the bar for market timing.
• Cap rate 18.3% vs local median 3.2% in Stuart — 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 84/100 on livability (#39 in FL, #790 nationally) — a professional / high-income tenant draw. Strengths: commute A+, housing A+, health & safety A+; Watch: crime C-, employment C-, amenities D.
• Martin (suburban): math 52% / reading 53% proficiency, ranked #24 of 73 in FL (top 33%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Crystal Lake Elementary School (math 51% / reading 58%, grade C, #892 of 2,144 statewide, top 44%, 441 students, 38% FRL); Dr. David L. Anderson Middle School (math 51% / reading 46%, grade C-, #274 of 571 statewide, top 50%, 1,035 students, 63% FRL); South Fork High School (math 36% / reading 48%, grade F, #275 of 667 statewide, top 42%, 1,810 students, 51% FRL).
• Market conditions: Rents rising (+2.7%/yr); 731 active listings in the ZIP; 1 comparable units currently listed for rent nearby; solid renter incomes; 737 units permitted in Martin County in 2024 (167 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $470 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Martin County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 2.7% rent growth), your $19k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 60 days — a 3% lower offer ($66k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

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

Recommended offer $65,960 (3.0% below list)

Questions for the listing agent

1. It's been on market 60 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
5. 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.
6. 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.
7. 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: 2.14% ✓
• Cap rate: 18.28%
• Cash-on-cash: 42.80%
• DSCR: 2.90
• GRM: 3.9

CMA / ARV

• ARV (median comp): $153,000
• List price: $68,000
• Delta: -55.56%
• Verdict: UNDERPRICED
• Comps: 14 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9161 SW Ackel Dr	0.10mi	2/2.0	1,200 (+4%)	12mo	$49,000	$41	78
9274 SW Mary Dr E	0.07mi	3/3.0 (+1)	1,200 (+4%)	8mo	$95,000	$79	74
9273 SW Mary Dr	0.08mi	2/2.0	980 (-15%)	6mo	$89,000	$91	66
2554 SW Olds Pl	0.66mi	2/2.0	1,126 (-2%)	13mo	$160,000	$142	55
2596 SW Olds Pl	0.69mi	2/2.0	1,090 (-5%)	14mo	$204,000	$187	48
2585 SW Marquis Ter	0.68mi	2/2.0	1,294 (+12%)	3mo	$213,500	$165	45
2542 SW Marquis Ter	0.65mi	2/2.0	1,221 (+6%)	18mo	$233,000	$191	44
2401 SW Olds Pl	0.53mi	2/2.0	1,273 (+11%)	17mo	$215,000	$169	44
2566 SW Pontiac Pl	0.66mi	2/2.0	1,252 (+9%)	15mo	$151,500	$121	41
8921 SW Chevy Cir	0.68mi	2/2.0	1,000 (-13%)	20mo	$249,900	$250	30

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 · 2.71% rent growth · sell at horizon

5-year hold

• IRR: 39.3%
• Equity multiple: 2.67×
• Total profit: $31,835
• Equity at exit: $10,139

10-year hold

• IRR: 45.5%
• Equity multiple: 5.30×
• Total profit: $81,782
• Equity at exit: $5,879

Cash invested: $19,040 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 8 active · 2 under contract
• Months of supply: 9.6 mo (10%/mo absorbed)
• Median asking: $196,500 ($157/sqft)
• Median days on market: 79 d
• This list price: 12% of active listings are priced below it
• ARV vs active asking: -15.5% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34997

• Rents YoY: 2.7%
• Active inventory: 731
• Price-to-rent: 3.9×

Monthly cashflow live

• Estimated rent: $1,455 medium
• Mortgage (P&I): −$357
• Tax est. 1.5%: −$85 /mo · $1,020/yr
• Insurance: −$28
• HOA: −$0
• Lot rent leased land?: −$0
• Vacancy / Maint / Mgmt: −$305
• Net cashflow: $679

Break-even live

Break-even rent $595

Max offer price $68,000

Occupancy floor 48%

Sensitivity live

Price	-10% $726	-5% $703	+0% $679	+5% $656	+10% $632
Rent	-10% $564	-5% $622	+0% $679	+5% $737	+10% $794
Rate	-1.0pp $713	-0.5pp $696	base $679	+0.5pp $662	+1.0pp $644

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: $17,000
• Closing costs: $2,040
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2799 SW Monarch Trl Stuart, FL	2.0	2.0	988	$1,800	$1.82	15d	1	0.90mi

Property features AI

Finance

• Other: Home warranty included
• Financial info: Land lease of $828.00 monthly (lease expires 2050-06-09)
• HOA & community: Senior communityPets allowed (cats and dogs permitted, no restrictions noted)Community contains 104 units

Exterior

• Parking: Two covered parking spacesAttached carport (2-car)Driveway
• Security: Closed-circuit camera systemSmoke detectors
• Utilities: Public waterPublic sewer100 amp electric serviceCable availablePhone availableUnderground utilitiesWater and electricity available
• Home design: Manufactured home (single wide, Buddy model)One storyEntry level: 1Faces north
• Construction: Aluminum sidingConcrete roofAluminum skirtingSlab foundationMobile home remains in place (53' x 18')
• Exterior features: Interior lotAsphalt road frontagePrivate maintained roadShed(s) on the propertyNot waterfront

Interior

• Kitchen: Electric rangeElectric cooktopMicrowaveRefrigeratorElectric water heater
• Bedrooms: One main-level bedroom
• Flooring: CarpetLaminateWoodSingle-hung metal windows
• Bathrooms: Two full bathrooms (one on the main level)
• Heating & cooling: Central heatingCentral air conditioningCeiling fan(s)
• Interior features: Bedroom layout is splitNegotiable furnishingsBlinds and shutters on windows
• Laundry & utility: Interior laundry room on the main levelIn-unit washer/dryer connectionsLaundry tub

Listing history 46 events

1. 2026-08-08
   days on market $68,000 Active 60 DOM
2. 2026-08-07
   days on market $68,000 Active 59 DOM
3. 2026-08-06
   days on market $68,000 Active 58 DOM
4. 2026-08-05
   days on market $68,000 Active 57 DOM
5. 2026-08-04
   days on market $68,000 Active 56 DOM
6. 2026-08-03
   days on market $68,000 Active 55 DOM
7. 2026-07-31
   days on market $68,000 Active 52 DOM
8. 2026-07-29
   days on market $68,000 Active 50 DOM
9. 2026-07-27
   days on market $68,000 Active 48 DOM
10. 2026-07-25
    days on market $68,000 Active 46 DOM
11. 2026-07-23
    days on market $68,000 Active 44 DOM
12. 2026-07-22
    days on market $68,000 Active 43 DOM
13. 2026-07-21
    days on market $68,000 Active 42 DOM
14. 2026-07-18
    days on market $68,000 Active 39 DOM
15. 2026-07-16
    days on market $68,000 Active 37 DOM
16. 2026-07-16
    days on market $68,000 Active 36 DOM
17. 2026-07-14
    days on market $68,000 Active 35 DOM
18. 2026-07-13
    days on market $68,000 Active 34 DOM
19. 2026-07-12
    days on market $68,000 Active 33 DOM
20. 2026-07-11
    days on market $68,000 Active 32 DOM
21. 2026-07-10
    days on market $68,000 Active 31 DOM
22. 2026-07-09
    days on market $68,000 Active 30 DOM
23. 2026-07-08
    days on market $68,000 Active 29 DOM
24. 2026-07-07
    days on market $68,000 Active 28 DOM
25. 2026-07-06
    days on market $68,000 Active 27 DOM
26. 2026-07-05
    days on market $68,000 Active 26 DOM
27. 2026-07-04
    days on market $68,000 Active 25 DOM
28. 2026-07-03
    days on market $68,000 Active 24 DOM
29. 2026-07-02
    days on market $68,000 Active 23 DOM
30. 2026-07-01
    days on market $68,000 Active 22 DOM
31. 2026-06-30
    days on market $68,000 Active 21 DOM
32. 2026-06-29
    days on market $68,000 Active 20 DOM
33. 2026-06-28
    days on market $68,000 Active 19 DOM
34. 2026-06-28
    days on market $68,000 Active 18 DOM
35. 2026-06-27
    days on market $68,000 Active 17 DOM
36. 2026-06-25
    days on market $68,000 Active 15 DOM
37. 2026-06-23
    days on market $68,000 Active 13 DOM
38. 2026-06-21
    days on market $68,000 Active 12 DOM
39. 2026-06-18
    days on market $68,000 Active 9 DOM
40. 2026-06-17
    days on market $68,000 Active 8 DOM
41. 2026-06-16
    days on market $68,000 Active 7 DOM
42. 2026-06-15
    days on market $68,000 Active 6 DOM
43. 2026-06-14
    days on market $68,000 Active 4 DOM
44. 2026-06-13
    days on market $68,000 Active 3 DOM
45. 2026-06-09
    remarks 689-char remark
46. 2026-06-09
    listed $68,000 Active 1 DOM

ⓘ 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 6/10 Major FEMA zone X (unshaded) · 69% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 24 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,454
• − Mortgage interest: −$3,809
• − Property taxes: −$1,020
• − Insurance: −$340
• − Repairs & maintenance: −$1,396
• − Management: −$1,396
• − Depreciation: −$1,978
• Taxable income: $7,514
• Est. tax owed @ 24.0%: −$1,803
• After-tax cash flow: $6,346/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 · 12 photos

Fair 45/100 Moderate rehab Est. rehab $28,750–$51,750 screening

This manufactured home requires moderate repairs and maintenance, with a focus on exterior siding, appliances, and landscaping. Upgrades in these areas would significantly enhance its value and appeal.

Repairs flagged

• Major Appliances — Old and worn, likely not functioning optimally.
• Moderate Exterior siding — Weathered and discolored, may need repainting or replacement.
• Minor Landscaping — Overgrown and may need trimming and maintenance.

Value-add opportunities

• Both Paint exterior siding — Enhances curb appeal and value ↑
• Both Replace old appliances — Improves functionality and aesthetics ↑
• Both Trim and maintain landscaping — Enhances curb appeal and value ↑

ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 48/100

Zoned Schools

Elementary Crystal Lake Elementary School C FL #892/2,144 Nat'l #9,801/41,679 Middle Dr. David L. Anderson Middle School C- FL #274/571 Nat'l #3,846/14,009 High South Fork High School F FL #275/667 Nat'l #7,572/17,239

Schools (NCES district)

• District: Martin
• NCES district ID: 1201290
• Math proficiency: 52% ▼ -14.00%
• Reading proficiency: 53% ▼ -4.00%
• Median HH income: $52,482
• Composite: 45.1/100
• National rank: #2690
• State rank: #24 of 73 in FL

A Composite livability gradescore 84/100

Livability — Stuart

• Score: 84/100
• State rank: #39
• US rank: #790

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Martin County · 172,383 people
• City population: 65,812
• Metro: Port St. Lucie, FL
• Population (ZIP): 47,075
• Household income: $78,136
• Rent vs Own: 19.1% rent · 80.9% own
• Severe rent burden: 7% of renters

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Population outlook (Martin County) Hauer SSP2

• Today (2025): 172,383 people
• By 2030: 180,192 · +4.5%
• By 2040: 194,114 · +12.6%
• By 2050: 204,992 · +18.9%
• By 2075: 229,641 · +33.2%
• By 2100: 232,146 · +34.7%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 19% Two or more races 9% Black 3% Asian 1%
• Hispanic origin (detail): Mexican 4% Puerto Rican 2% Cuban 3%
• Common ancestry: Romanian 3% Lithuanian 3% Slovak 2%
• Foreign-born: 14% · Canada, Jamaica, China
• Languages at home: 81% English-only · Spanish 14% French/Haitian/Cajun 2% Other Indo-European 1%

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Political lean MEDSL · Martin

• 2024 margin: Solid R (+31.1) · D 34.1% · R 65.2%
• 2008→2024 swing: -17.5pp toward R · 2008: -13.6pp · 2024: -31.1pp
• All cycles: 2024: R+31.1 2020: R+24.6 2016: R+26.9 2012: R+22.9 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -319.78%
• Current HPI: 336.7717
• Rent YoY: ▲ 2.71%
• Metro: Port St. Lucie, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

Property features AI

Finance

• Other: Home warranty included
• Financial info: Land lease of $828.00 monthly (lease expires 2050-06-09)
• HOA & community: Senior communityPets allowed (cats and dogs permitted, no restrictions noted)Community contains 104 units

Exterior

• Parking: Two covered parking spacesAttached carport (2-car)Driveway
• Security: Closed-circuit camera systemSmoke detectors
• Utilities: Public waterPublic sewer100 amp electric serviceCable availablePhone availableUnderground utilitiesWater and electricity available
• Home design: Manufactured home (single wide, Buddy model)One storyEntry level: 1Faces north
• Construction: Aluminum sidingConcrete roofAluminum skirtingSlab foundationMobile home remains in place (53' x 18')
• Exterior features: Interior lotAsphalt road frontagePrivate maintained roadShed(s) on the propertyNot waterfront

Interior

• Kitchen: Electric rangeElectric cooktopMicrowaveRefrigeratorElectric water heater
• Bedrooms: One main-level bedroom
• Flooring: CarpetLaminateWoodSingle-hung metal windows
• Bathrooms: Two full bathrooms (one on the main level)
• Heating & cooling: Central heatingCentral air conditioningCeiling fan(s)
• Interior features: Bedroom layout is splitNegotiable furnishingsBlinds and shutters on windows
• Laundry & utility: Interior laundry room on the main levelIn-unit washer/dryer connectionsLaundry tub

Price history

1 event — show timeline

• 2026-06-09 Listed $68,000 Beaches MLS