5353 NE 136th Pl · The Villages, FL 34484

$320,000

4 bd · 3.0 ba · 1,984 sqft · Manufactured public records · 14 Days on market

Built 2006 1.00 ac lot Est $313k · at est.

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Why this score? — see what drove the D- 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 +13.0/30.0
• ARV discount +6.6/15.0
• Schools +5.2/10.0
• DSCR +3.9/10.0
• Livability +3.5/5.0
• 1% rule +2.6/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Back on the market! New roof, well maintained one owner mobile home near The Villages. This great home has 4 bedrooms and 3 bathrooms on rare one acre parcel.

Key facts

• Private office
• Walk-in closet
• Formal dining area

Tags

• FULLY FENCED PROPERTY
• ADA ACCESSIBILITY FEATURES
• TWO LIVING ROOMS
• FORMAL DINING AREA
• PRIVATE OFFICE
• WALK-IN CLOSET

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath manufactured listed at $320k.

Deal economics

• At list price, monthly cash flow is $-85 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $305k (4.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $244k (23.6% below list).
• Recommended offer: $244k (23.6% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 5.0% in The Villages — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 70/100 on livability (#431 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A, employment B+; Watch: amenities F, commute F, health & safety F.
• Sumter (rural): math 61% / reading 61% proficiency, ranked #11 of 73 in FL (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Wildwood Elementary School (math 49% / reading 52%, grade D+, #1,055 of 2,144 statewide, top 50%, 940 students, 76% FRL); Wildwood Middle/ High School (math 29% / reading 41%, grade F, #379 of 667 statewide, top 58%, 843 students, 63% FRL) — zoned schools average 69% FRL vs 51% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 43% at this address vs 61% district-wide (-18 pts) — the specific schools serving this property underperform the Sumter average; the district grade overstates school quality for this exact location.
• Market conditions: 160 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k of value loss. Plan a longer hold.
• Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 sale attempts since 4y 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.
• Current owner paid $265k; 21% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: severe flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $244,485 (23.6% 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. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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?
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: 0.76% ✗
• Cap rate: 6.22%
• Cash-on-cash: -0.25%
• DSCR: 0.99
• GRM: 10.9

CMA / ARV

• ARV (on-the-fly): $313,472
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5353 NE 136th Pl	0.00mi	4/3.0	1,984 (0%)	1mo	$312,500	$158	99

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: -18.2%
• Equity multiple: 0.36×
• Total profit: $-57,377
• Equity at exit: $47,713

10-year hold

• IRR: -10.6%
• Equity multiple: 0.36×
• Total profit: $-57,305
• Equity at exit: $27,668

Cash invested: $89,600 (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 34484

• Home prices YoY: -31.3%
• Active inventory: 160
• Price-to-rent: 10.9×

Monthly cashflow live

• Estimated rent: $2,445 high
• Mortgage (P&I): −$1,678
• Tax from tax record: −$139 /mo · $1,667/yr
• Insurance: −$133
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$513
• Net cashflow: $-85

Break-even live

Break-even rent $2,553

Max offer price $304,909

Occupancy floor 98%

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: $80,000
• Closing costs: $9,600
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3057 Saint Thomas Ln The Villages, FL	3.0	2.0	2044	$2,850	$1.39	21d	1	1.05mi
12580 NE 49th Dr Oxford, FL	3.0	2.0	1940	$2,400	$1.24	21d	1	1.10mi
971 Kingmont Ter The Villages, FL	3.0	2.0	1392	$3,400	$2.44	21d	1	1.27mi
17713 SE 95th Cir Summerfield, FL	3.0	2.0	1450	$2,000	$1.38	21d	1	1.32mi
12362 NE 50th Vw Oxford, FL	4.0	4.0	1929	$2,300	$1.19	21d	1	1.39mi
12388 NE 48th Loop Oxford, FL	3.0	2.0	1426	$1,700	$1.19	21d	1	1.40mi

Listing history 10 events

1. 2026-03-27
   status Pending
2. 2026-03-13
   listed $320,000 Active
3. 2022-07-12
   soldstatus $265,000 Closed 158-char remark

   Show marketing remark (158 chars)

   Back on the market! New roof, well maintained one owner mobile home near The Villages. This great home has 4 bedrooms and 3 bathrooms on rare one acre parcel.

4. 2022-05-26
   status Pending 158-char remark

   Show marketing remark (158 chars)

   Back on the market! New roof, well maintained one owner mobile home near The Villages. This great home has 4 bedrooms and 3 bathrooms on rare one acre parcel.

5. 2022-05-23
   price $275,000 158-char remark

   Show marketing remark (158 chars)

   Back on the market! New roof, well maintained one owner mobile home near The Villages. This great home has 4 bedrooms and 3 bathrooms on rare one acre parcel.

6. 2022-05-17
   status Active 158-char remark

   Show marketing remark (158 chars)

   Back on the market! New roof, well maintained one owner mobile home near The Villages. This great home has 4 bedrooms and 3 bathrooms on rare one acre parcel.

7. 2022-04-02
   status Pending 158-char remark

   Show marketing remark (158 chars)

   Back on the market! New roof, well maintained one owner mobile home near The Villages. This great home has 4 bedrooms and 3 bathrooms on rare one acre parcel.

8. 2022-04-01
   listed $250,000 Active 158-char remark

   Show marketing remark (158 chars)

   Back on the market! New roof, well maintained one owner mobile home near The Villages. This great home has 4 bedrooms and 3 bathrooms on rare one acre parcel.

9. 2005-02-14
   soldstatus $40,900
10. 1997-09-22
    soldstatus $15,000

ⓘ 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: $1,667 · $139/mo
• Projected year-2 tax: $2,656 · $221/mo
• Expected delta: +$989/yr (+$82/mo · 59.3%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 8/10 Severe FEMA zone X (unshaded) · 99% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 20 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,338
• − Mortgage interest: −$17,925
• − Property taxes: −$1,667
• − Insurance: −$2,398
• − Repairs & maintenance: −$2,347
• − Management: −$2,347
• − Depreciation: −$9,309
• Taxable loss: −$6,655
• Est. tax savings @ 24.0%: +$1,597
• After-tax cash flow: $572/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: Sumter
• NCES district ID: 1201800
• Math proficiency: 61% ▼ -4.00%
• Reading proficiency: 61% ▼ -2.00%
• Median HH income: $48,240
• Composite: 51.74/100
• National rank: #1682
• State rank: #11 of 73 in FL

Livability — The Villages

• Score: 70/100
• State rank: #431
• US rank: #7363

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Sumter County · 110,591 people
• City population: 83,973
• Metro: The Villages, FL
• Population (ZIP): 5,050
• Household income: $92,582
• Rent vs Own: 37.8% rent · 62.2% own
• Severe rent burden: 149.0

Population outlook (Sumter County) Hauer SSP2

• Today (2025): 161,172 people
• By 2030: 180,083 · +11.7%
• By 2040: 209,892 · +30.2%
• By 2050: 234,186 · +45.3%
• By 2075: 284,602 · +76.6%
• By 2100: 317,039 · +96.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Black 7% Two or more races 6% Hispanic / Latino 5% Asian 2%
• Common ancestry: Lithuanian 5% Romanian 3% Italian 2%
• Foreign-born: 4% · Canada, Philippines, Jamaica
• Languages at home: 95% English-only · Spanish 4% Other Asian/Pacific 1%

Political lean MEDSL · Sumter

• 2024 margin: Solid R (+37.6) · D 30.9% · R 68.6%
• 2008→2024 swing: -10.6pp toward R · 2008: -27.0pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+36.1 2016: R+39.2 2012: R+34.9 2008: R+27.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -86.11%
• Current HPI: 189.0678
• Rent YoY: —
• Metro: The Villages, 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

+2033.3% since first listed

10 events — show timeline

• 2026-03-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-13 Listed $320,000 Stellar MLS as Distributed by MLS Grid
• 2022-07-12 Sold (MLS) $265,000 Stellar MLS as Distributed by MLS Grid
• 2022-05-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-05-23 Price Changed $275,000 Stellar MLS as Distributed by MLS Grid
• 2022-05-17 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-04-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-04-01 Listed $250,000 Stellar MLS as Distributed by MLS Grid
• 2005-02-14 Sold (Public Records) $40,900 Public Records
• 1997-09-22 Sold (Public Records) $15,000 Public Records

Property tax history

+5.2%/yr

Latest (2025): $1,667 · -1.0% YoY. Source: county tax records.