24302 Maxwell St · Astor, FL 32102

$199,500

2 bd · 1.0 ba · 1,248 sqft · Manufactured public records · 174 Days on market

Built 1995 10,000 sqft lot Est $168k · 18% over

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Why this score? — see what drove the F 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 +10.9/30.0
• Appreciation +6.0/10.0
• Schools +4.2/10.0
• Livability +3.3/5.0
• DSCR +3.2/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• ARV discount +0.0/15.0

Listing remarks MLS

Pride of ownership shows in this beautiful, completely furnished double-wide tucked away in the heart of Astor. .. NO HOA!!! The house was completely re-plumbed, including a new water heater, in June 2023. If you love fishing, boating, and peace and quiet -- this is the home for you! Several boat ramps are nearby, and you are a short distance from the St. John's River. Take a boat ride, and you may find yourself on the Atlantic Ocean with nothing but open seas and blue skies all around you! This home sits on a double corner lot that is fenced. A/C is about 7 years old, and the metal roof is about 5 years old. There is also a shed on the property with electricity -- this can be perfect storage or a workshop. It's up to you. This home has so many possibilities! This is the perfect home for seasonal residents or year-round folks who want to move right in and begin living the Florida lifestyle -- convenient to recreation areas and a quick walk to the library. Termite bond transferable to the new owner -- could be you! Don't wait! Schedule your tour today and make this home your own.

Key facts

• Paved road
• Public library
• Public boat ramp

Tags

• CORNER LOT
• PUBLIC LIBRARY
• PUBLIC BOAT RAMP
• OCALA NATIONAL FOREST
• PAVED ROAD

Property features AI

Finance

• Other: Property is homesteaded; Has additional parcels; Two lots (approx. 0.24 acres; dimensions ~100x100); No waterfront; Unfurnished
• HOA & community: No HOA association indicated

Exterior

• Parking: Asphalt road access
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected; Cable available; Phone available
• Home design: Manufactured double-wide home; Single-story; Faces east
• Construction: Vinyl siding; Shingle roof; Crawlspace foundation; Built as a manufactured home (double wide)
• Exterior features: Covered front porch; Private mailbox; Sidewalk; Outdoor storage

Interior

• Kitchen: Range; Range hood; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Dining area (L-shaped); Thermostat
• Laundry & utility: Laundry room inside; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $200k.

Deal economics

• At list price, monthly cash flow is $-86 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $184k (7.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $145k (27.3% below list).
• Recommended offer: $145k (27.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 66/100 on livability (#613 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: amenities F, commute F, health & safety D-.
• Lake (suburban): math 49% / reading 50% proficiency, ranked #37 of 73 in FL (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Spring Creek Charter School (math 45% / reading 44%, grade F, #1,288 of 2,144 statewide, top 62%, 630 students, 100% FRL, charter); Umatilla Middle School (math 58% / reading 46%, grade C+, #217 of 571 statewide, top 40%, 595 students, 57% FRL); Umatilla High School (math 24% / reading 29%, grade F, #489 of 667 statewide, top 74%, 861 students, 51% FRL) — zoned schools average 69% FRL vs 49% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Market conditions: 77 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 4,799 units permitted in Lake County in 2024 (814 in 5+ unit buildings).

Forward outlook

• In year one you build about $5k of equity ($1k loan paydown + $4k appreciation (1.9% local appreciation)).
• Lake County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• By year 7, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 174 days — a 12% lower offer ($176k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 17y 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,000 (27.3% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 174 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
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. 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?
7. 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.
8. 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.
9. 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: 0.73% ✗
• Cap rate: 5.77%
• Cash-on-cash: -1.85%
• DSCR: 0.92
• GRM: 11.5

CMA / ARV

• ARV (on-the-fly): $168,480
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
55045 6th St	0.28mi	3/2.0 (+1)	1,188 (-5%)	1mo	$160,000	$135	69

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

1.95% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 2.5%
• Equity multiple: 1.14×
• Total profit: $7,626
• Equity at exit: $78,160

10-year hold

• IRR: 6.5%
• Equity multiple: 1.87×
• Total profit: $48,872
• Equity at exit: $112,147

Cash invested: $55,860 (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 32102

• Home prices YoY: 0.8%
• Active inventory: 77
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $1,450 medium
• Mortgage (P&I): −$1,046
• Tax from tax record: −$102 /mo · $1,228/yr
• Insurance: −$83
• HOA: −$0
• Vacancy / Maint / Mgmt: −$304
• Net cashflow: $-86

Break-even live

Break-even rent $1,559

Max offer price $184,280

Occupancy floor —

Sensitivity live

Price	-10% $27	-5% $-30	+0% $-86	+5% $-143	+10% $-199
Rent	-10% $-201	-5% $-143	+0% $-86	+5% $-29	+10% $28
Rate	-1.0pp $14	-0.5pp $-35	base $-86	+0.5pp $-138	+1.0pp $-190

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: $49,875
• Closing costs: $5,985
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
24048 Ermine Rd Astor, FL	2.0	2.0	728	$1,450	$1.99	6d	1	1.11mi

Listing history 30 events

1. 2026-06-21
   days on market $199,500 Active 174 DOM
2. 2026-06-18
   days on market $199,500 Active 171 DOM
3. 2026-06-17
   days on market $199,500 Active 170 DOM
4. 2026-06-16
   days on market $199,500 Active 169 DOM
5. 2026-06-15
   days on market $199,500 Active 168 DOM
6. 2026-06-13
   days on market $199,500 Active 166 DOM
7. 2026-06-09
   days on market $199,500 Active 162 DOM
8. 2026-06-08
   days on market $199,500 Active 161 DOM
9. 2026-06-07
   days on market $199,500 Active 160 DOM
10. 2026-06-04
    days on market $199,500 Active 157 DOM
11. 2026-06-03
    days on market $199,500 Active 156 DOM
12. 2026-06-02
    days on market $199,500 Active 155 DOM
13. 2026-06-02
    days on market $199,500 Active 154 DOM
14. 2026-05-31
    days on market $199,500 Active 153 DOM
15. 2026-03-21
    price $199,500
16. 2025-12-29
    listed $200,000 Active
17. 2025-11-27
    historical
18. 2025-08-27
    listed $210,000 Active
19. 2024-01-19
    soldstatus $190,000
20. 2023-09-22
    soldstatus $190,000 Closed 1095-char remark

    Show marketing remark (1095 chars)

    Pride of ownership shows in this beautiful, completely furnished double-wide tucked away in the heart of Astor. .. NO HOA!!! The house was completely re-plumbed, including a new water heater, in June 2023. If you love fishing, boating, and peace and quiet -- this is the home for you! Several boat ramps are nearby, and you are a short distance from the St. John's River. Take a boat ride, and you may find yourself on the Atlantic Ocean with nothing but open seas and blue skies all around you! This home sits on a double corner lot that is fenced. A/C is about 7 years old, and the metal roof is about 5 years old. There is also a shed on the property with electricity -- this can be perfect storage or a workshop. It's up to you. This home has so many possibilities! This is the perfect home for seasonal residents or year-round folks who want to move right in and begin living the Florida lifestyle -- convenient to recreation areas and a quick walk to the library. Termite bond transferable to the new owner -- could be you! Don't wait! Schedule your tour today and make this home your own.

21. 2023-09-04
    status Pending 1095-char remark

    Show marketing remark (1095 chars)

    Pride of ownership shows in this beautiful, completely furnished double-wide tucked away in the heart of Astor. .. NO HOA!!! The house was completely re-plumbed, including a new water heater, in June 2023. If you love fishing, boating, and peace and quiet -- this is the home for you! Several boat ramps are nearby, and you are a short distance from the St. John's River. Take a boat ride, and you may find yourself on the Atlantic Ocean with nothing but open seas and blue skies all around you! This home sits on a double corner lot that is fenced. A/C is about 7 years old, and the metal roof is about 5 years old. There is also a shed on the property with electricity -- this can be perfect storage or a workshop. It's up to you. This home has so many possibilities! This is the perfect home for seasonal residents or year-round folks who want to move right in and begin living the Florida lifestyle -- convenient to recreation areas and a quick walk to the library. Termite bond transferable to the new owner -- could be you! Don't wait! Schedule your tour today and make this home your own.

22. 2023-08-02
    price $199,000 1095-char remark

    Show marketing remark (1095 chars)

    Pride of ownership shows in this beautiful, completely furnished double-wide tucked away in the heart of Astor. .. NO HOA!!! The house was completely re-plumbed, including a new water heater, in June 2023. If you love fishing, boating, and peace and quiet -- this is the home for you! Several boat ramps are nearby, and you are a short distance from the St. John's River. Take a boat ride, and you may find yourself on the Atlantic Ocean with nothing but open seas and blue skies all around you! This home sits on a double corner lot that is fenced. A/C is about 7 years old, and the metal roof is about 5 years old. There is also a shed on the property with electricity -- this can be perfect storage or a workshop. It's up to you. This home has so many possibilities! This is the perfect home for seasonal residents or year-round folks who want to move right in and begin living the Florida lifestyle -- convenient to recreation areas and a quick walk to the library. Termite bond transferable to the new owner -- could be you! Don't wait! Schedule your tour today and make this home your own.

23. 2023-06-27
    status Active 1095-char remark

    Show marketing remark (1095 chars)

    Pride of ownership shows in this beautiful, completely furnished double-wide tucked away in the heart of Astor. .. NO HOA!!! The house was completely re-plumbed, including a new water heater, in June 2023. If you love fishing, boating, and peace and quiet -- this is the home for you! Several boat ramps are nearby, and you are a short distance from the St. John's River. Take a boat ride, and you may find yourself on the Atlantic Ocean with nothing but open seas and blue skies all around you! This home sits on a double corner lot that is fenced. A/C is about 7 years old, and the metal roof is about 5 years old. There is also a shed on the property with electricity -- this can be perfect storage or a workshop. It's up to you. This home has so many possibilities! This is the perfect home for seasonal residents or year-round folks who want to move right in and begin living the Florida lifestyle -- convenient to recreation areas and a quick walk to the library. Termite bond transferable to the new owner -- could be you! Don't wait! Schedule your tour today and make this home your own.

24. 2023-06-27
    price $210,000 1095-char remark

    Show marketing remark (1095 chars)

    Pride of ownership shows in this beautiful, completely furnished double-wide tucked away in the heart of Astor. .. NO HOA!!! The house was completely re-plumbed, including a new water heater, in June 2023. If you love fishing, boating, and peace and quiet -- this is the home for you! Several boat ramps are nearby, and you are a short distance from the St. John's River. Take a boat ride, and you may find yourself on the Atlantic Ocean with nothing but open seas and blue skies all around you! This home sits on a double corner lot that is fenced. A/C is about 7 years old, and the metal roof is about 5 years old. There is also a shed on the property with electricity -- this can be perfect storage or a workshop. It's up to you. This home has so many possibilities! This is the perfect home for seasonal residents or year-round folks who want to move right in and begin living the Florida lifestyle -- convenient to recreation areas and a quick walk to the library. Termite bond transferable to the new owner -- could be you! Don't wait! Schedule your tour today and make this home your own.

25. 2023-06-27
    price $21,000 1095-char remark

    Show marketing remark (1095 chars)

    Pride of ownership shows in this beautiful, completely furnished double-wide tucked away in the heart of Astor. .. NO HOA!!! The house was completely re-plumbed, including a new water heater, in June 2023. If you love fishing, boating, and peace and quiet -- this is the home for you! Several boat ramps are nearby, and you are a short distance from the St. John's River. Take a boat ride, and you may find yourself on the Atlantic Ocean with nothing but open seas and blue skies all around you! This home sits on a double corner lot that is fenced. A/C is about 7 years old, and the metal roof is about 5 years old. There is also a shed on the property with electricity -- this can be perfect storage or a workshop. It's up to you. This home has so many possibilities! This is the perfect home for seasonal residents or year-round folks who want to move right in and begin living the Florida lifestyle -- convenient to recreation areas and a quick walk to the library. Termite bond transferable to the new owner -- could be you! Don't wait! Schedule your tour today and make this home your own.

26. 2023-05-12
    status Pending 1095-char remark

    Show marketing remark (1095 chars)

    Pride of ownership shows in this beautiful, completely furnished double-wide tucked away in the heart of Astor. .. NO HOA!!! The house was completely re-plumbed, including a new water heater, in June 2023. If you love fishing, boating, and peace and quiet -- this is the home for you! Several boat ramps are nearby, and you are a short distance from the St. John's River. Take a boat ride, and you may find yourself on the Atlantic Ocean with nothing but open seas and blue skies all around you! This home sits on a double corner lot that is fenced. A/C is about 7 years old, and the metal roof is about 5 years old. There is also a shed on the property with electricity -- this can be perfect storage or a workshop. It's up to you. This home has so many possibilities! This is the perfect home for seasonal residents or year-round folks who want to move right in and begin living the Florida lifestyle -- convenient to recreation areas and a quick walk to the library. Termite bond transferable to the new owner -- could be you! Don't wait! Schedule your tour today and make this home your own.

27. 2023-05-05
    listed $199,000 Active 1095-char remark

    Show marketing remark (1095 chars)

    Pride of ownership shows in this beautiful, completely furnished double-wide tucked away in the heart of Astor. .. NO HOA!!! The house was completely re-plumbed, including a new water heater, in June 2023. If you love fishing, boating, and peace and quiet -- this is the home for you! Several boat ramps are nearby, and you are a short distance from the St. John's River. Take a boat ride, and you may find yourself on the Atlantic Ocean with nothing but open seas and blue skies all around you! This home sits on a double corner lot that is fenced. A/C is about 7 years old, and the metal roof is about 5 years old. There is also a shed on the property with electricity -- this can be perfect storage or a workshop. It's up to you. This home has so many possibilities! This is the perfect home for seasonal residents or year-round folks who want to move right in and begin living the Florida lifestyle -- convenient to recreation areas and a quick walk to the library. Termite bond transferable to the new owner -- could be you! Don't wait! Schedule your tour today and make this home your own.

28. 2009-10-22
    listed $79,000
29. 2007-06-05
    soldstatus $47,400
30. 1998-01-28
    soldstatus $45,000

ⓘ 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: $1,228 · $102/mo
• Projected year-2 tax: $1,656 · $138/mo
• Expected delta: +$428/yr (+$36/mo · 34.8%)

ⓘ 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 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,400
• − Mortgage interest: −$11,175
• − Property taxes: −$1,228
• − Insurance: −$998
• − Repairs & maintenance: −$1,392
• − Management: −$1,392
• − Depreciation: −$5,804
• Taxable loss: −$4,588
• Est. tax savings @ 24.0%: +$1,101
• After-tax cash flow: $67/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: Lake
• NCES district ID: 1201050
• Math proficiency: 49% ▼ -7.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $46,632
• Composite: 42.05/100
• National rank: #3327
• State rank: #37 of 73 in FL

Livability — Astor

• Score: 66/100
• State rank: #613
• US rank: #11822

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Astor, FL
• Population (ZIP): 2,401

Population outlook (Lake County) Hauer SSP2

• Today (2025): 386,640 people
• By 2030: 417,107 · +7.9%
• By 2040: 476,676 · +23.3%
• By 2050: 531,296 · +37.4%
• By 2075: 648,303 · +67.7%
• By 2100: 698,530 · +80.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (89%)
• Race & ethnicity: White 89% Two or more races 7% Hispanic / Latino 3%
• Common ancestry: Lithuanian 9% Portuguese 8% Slovak 2%
• Foreign-born: 2% · Canada
• Languages at home: 95% English-only · Spanish 3% German/W. Germanic 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Lake

• 2024 margin: Strong R (+24.7) · D 37.3% · R 62.0%
• 2008→2024 swing: -11.2pp toward R · 2008: -13.5pp · 2024: -24.7pp
• All cycles: 2024: R+24.7 2020: R+20.0 2016: R+23.1 2012: R+17.1 2008: R+13.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 1.95%
• Current HPI: 232.7974
• Rent YoY: —
• Metro: —
• 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

+343.3% since first listed

16 events — show timeline

• 2026-03-21 Price Changed $199,500 Stellar MLS as Distributed by MLS Grid
• 2025-12-29 Listed $200,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-27 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-08-27 Listed $210,000 Stellar MLS as Distributed by MLS Grid
• 2024-01-19 Sold (Public Records) $190,000 Public Records
• 2023-09-22 Sold (MLS) $190,000 Stellar MLS as Distributed by MLS Grid
• 2023-09-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-08-02 Price Changed $199,000 Stellar MLS as Distributed by MLS Grid
• 2023-06-27 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-06-27 Price Changed $210,000 Stellar MLS as Distributed by MLS Grid
• 2023-06-27 Price Changed $21,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-05-05 Listed $199,000 Stellar MLS as Distributed by MLS Grid
• 2009-10-22 Listed $79,000 Stellar MLS as Distributed by MLS Grid
• 2007-06-05 Sold (Public Records) $47,400 Public Records
• 1998-01-28 Sold (Public Records) $45,000 Public Records

Property tax history

+6.2%/yr

Latest (2025): $1,228 · +1.6% YoY. Source: county tax records.