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2092 Culbreath Rd Unit A27
B Composite 73.51
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 +11.0/15.0
  • 1% rule +10.0/10.0
  • DSCR +10.0/10.0
  • Schools +4.2/10.0
  • Livability +3.4/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$72,000

2092 Culbreath Rd Unit A27 · South Brooksville, FL 34602
1 bd · 1.0 ba · 400 sqft · Manufactured public records · 253 Days on market
Built 2000 3,600 sqft lot Est $78k · 8% under $157/mo HOA · 13% of rent ↓ 12% since listing

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

Key facts

  • Gated community
  • Recreational hall
  • Shuffleboard courts

Tags

GATED COMMUNITYGEOTHERMAL SWIMMING POOLRECREATIONAL HALLLARGE OUTSIDE PAVILIONFIRE PITSSHUFFLEBOARD COURTS

Property features AI

Finance

  • Other: Total living/building area reported as 400 square feet; Lot is cleared, landscaped, level and paved; approx. 0.08 acre; Road surface: asphalt; Community features: association-owned recreation
  • Financial info: Lease restrictions apply
  • HOA & community: Has HOA; monthly HOA approximately $157.17 (quarterly association fee listed); Association amenities include clubhouse, pool, park, playground, laundry, gated community, cable TV, shuffleboard court; Association approval required; Senior community; Pets allowed: cats and dogs; Deed restrictions

Exterior

  • Parking: Paved access/driveway
  • Security: Smoke detector(s)
  • Utilities: Public water; Public sewer; Electricity available and connected; Cable available; Phone available; Sewer available and connected
  • Home design: Manufactured home (single wide); One level; Northeast facing
  • Construction: Frame construction; Metal roof; Other foundation
  • Exterior features: Exterior lighting; Sliding doors; Other exterior features

Interior

  • Kitchen: Microwave; Range; Refrigerator
  • Bedrooms: 1 bedroom
  • Flooring: Carpet
  • Bathrooms: 1 full bathroom
  • Heating & cooling: Heating: Other; Cooling: Other
  • Interior features: Ceiling fans; Eat-in kitchen; Living room/dining room combo; Open floorplan; Thermostat; Window blinds and treatments; Smoke detector(s)
  • Laundry & utility: Laundry: Other

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 1-bed/1.0-bath manufactured listed at $72k.

Deal economics

  • At list price, monthly cash flow is $300 ($4k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($1k rent vs $72k).
  • Recommended offer: $63k (12.0% below list) — sets the bar for market timing.
  • Cap rate 11.3% vs local median 2.9% in South Brooksville — 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 67/100 on livability (#584 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, health & safety A+; Watch: amenities F, commute F.
  • Hernando (suburban): math 50% / reading 50% proficiency, ranked #38 of 73 in FL (top 52%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Moton Elementary School (math 46% / reading 39%, grade F, #1,383 of 2,144 statewide, top 65%, 679 students, 79% FRL); D. S. Parrott Middle School (math 40% / reading 40%, grade F, #368 of 571 statewide, top 65%, 835 students, 67% FRL); Hernando High School (math 42% / reading 42%, grade F, #275 of 667 statewide, top 42%, 1,299 students, 58% FRL).
  • Market conditions: 187 active listings in the ZIP; 2,505 units permitted in Hernando County in 2024 (318 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $498 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Hernando County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $20k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 253 days — a 12% lower offer ($63k) is reasonable based on typical stale-listing flexibility.
  • 4 sale attempts; this cycle's ask has dropped $10k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $63,360 (12.0% below list)

Questions for the listing agent

  1. It's been on market 253 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. Schools are D-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. 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
1.70%
Cap rate
11.29%
Cash-on-cash
17.86%
DSCR
1.79
GRM
4.9

CMA / ARV

ARV (on-the-fly)
$78,000
Comps found
2
Show comp detail 2 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
2092 Culbreath Rd Unit C-9 0.15mi 1/1.0 416 (+4%) 2mo $81,000 $195 84
2092 Culbreath Rd Unit C61 0.19mi 1/1.0 379 (-5%) 8mo $60,000 $158 76

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
9.5%
Equity multiple
1.38×
Total profit
$7,565
Equity at exit
$10,735
10-year hold
IRR
18.8%
Equity multiple
2.57×
Total profit
$31,697
Equity at exit
$6,225

Cash invested: $20,160 (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.

ZIP-level market 34602

Home prices YoY
-21.1%
Active inventory
187
Price-to-rent
4.9×

Monthly cashflow live

Estimated rent
$1,228 medium interval (Pro) →
Mortgage (P&I)
$378
Tax from tax record
$105 /mo · $1,262/yr
Insurance
$30
HOA
$157
Vacancy / Maint / Mgmt
$258
Net cashflow
$300

Break-even live

Break-even rent $848
Max offer price $72,000
Occupancy floor 71%

Sensitivity live

Price -10% $341 -5% $320 +0% $300 +5% $280 +10% $259
Rent -10% $203 -5% $252 +0% $300 +5% $348 +10% $397
Rate -1.0pp $336 -0.5pp $318 base $300 +0.5pp $281 +1.0pp $262

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
$18,000
Closing costs
$2,160
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

HOA detail

Monthly dues
$157 · $1,884/yr
Likely covers
internetcablepoolsecurity

Listing history 27 events

  1. 2026-06-21
    days on market $72,000 Active 253 DOM
  2. 2026-06-18
    days on market $72,000 Active 250 DOM
  3. 2026-06-17
    days on market $72,000 Active 249 DOM
  4. 2026-06-16
    days on market $72,000 Active 248 DOM
  5. 2026-06-15
    days on market $72,000 Active 247 DOM
  6. 2026-06-13
    days on market $72,000 Active 245 DOM
  7. 2026-06-13
    days on market $72,000 Active 244 DOM
  8. 2026-06-09
    days on market $72,000 Active 241 DOM
  9. 2026-06-08
    days on market $72,000 Active 240 DOM
  10. 2026-06-07
    days on market $72,000 Active 239 DOM
  11. 2026-06-04
    days on market $72,000 Active 236 DOM
  12. 2026-06-03
    days on market $72,000 Active 235 DOM
  13. 2026-06-02
    days on market $72,000 Active 234 DOM
  14. 2026-06-01
    days on market $72,000 Active 233 DOM
  15. 2026-05-31
    days on market $72,000 Active 232 DOM
  16. 2026-04-03
    price $72,000 1255-char remark
    Show marketing remark (1255 chars)

    BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

  17. 2026-04-03
    price $72,000
    Show marketing remark (1255 chars)

    BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

  18. 2026-03-22
    status Active 1255-char remark
    Show marketing remark (1255 chars)

    BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

  19. 2026-03-19
    status Active
  20. 2026-01-22
    status Pending 1255-char remark
    Show marketing remark (1255 chars)

    BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

  21. 2026-01-22
    status Pending
    Show marketing remark (1255 chars)

    BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

  22. 2025-11-10
    price $74,000 1255-char remark
    Show marketing remark (1255 chars)

    BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

  23. 2025-11-10
    price $74,000
    Show marketing remark (1255 chars)

    BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

  24. 2025-09-17
    price $78,000 1255-char remark
    Show marketing remark (1255 chars)

    BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

  25. 2025-09-17
    price $78,000
    Show marketing remark (1255 chars)

    BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

  26. 2025-08-15
    listed $82,000 Active
  27. 2025-08-14
    listed $82,000 Active 1255-char remark
    Show marketing remark (1255 chars)

    BACK ON MARKET -- due to no fault of the seller or property! BRAND NEW ROOF INSTALLED! Searching for the perfect 55+ community in Florida where peace and comfort come together? Welcome to Camper's Holiday, a vibrant and active neighborhood designed for those who want to enjoy the best of serene, Florida living. Surrounded by natural beauty, mature trees, and tranquil scenery, this gated community offers both privacy and convenience--just minutes from all that Brooksville has to offer. Enjoy an array of amenities including: complimentary internet and cable TV, a geothermal, Olympic-sized swimming pool for year-round relaxation, a recreational hall with a library, pool table, stage, and scheduled activities, large outside pavilion, fire pits, shuffleboard courts, playground and access to Sparkman Lake-- the perfect spot for fishing, boating (with ramp), or soaking up the sun! Lot A-27 is ideally situated on a quiet, paved dead-end road and includes a 2002 Destination Trailer with full utilities, an outbuilding for extra storage, and comes fully furnished--just bring your personal items and settle in! Don't miss out on this move-in-ready opportunity in one of Florida's most peaceful 55+ parks. Call today to schedule your private showing!

ⓘ 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
$1,262 · $105/mo
Projected year-2 tax
$1,262 · $105/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 7/10 Severe
  • 🌡 Heat 9/10 Extreme 7 d/yr ≥109°F today · 25 d/yr by 30 yrs out
  • 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$14,730
− Mortgage interest
−$4,033
− Property taxes
−$1,262
− Insurance
−$360
− Repairs & maintenance
−$1,178
− Management
−$1,178
− HOA
−$1,884
− Depreciation
−$2,095
Taxable income
$2,740
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$658
After-tax cash flow
$2,943/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
Hernando
NCES district ID
1200810
Math proficiency
50% ▼ -8.00%
Reading proficiency
50% ▼ -4.00%
Median HH income
$41,985
Composite
42.03/100
National rank
#3329
State rank
#38 of 73 in FL

Livability — South Brooksville

Score
67/100
State rank
#584
US rank
#11158

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Population (ZIP)
10,391

Population outlook (Hernando County) Hauer SSP2

Today (2025)
189,218 people
By 2030
194,367 · +2.7%
By 2040
203,398 · +7.5%
By 2050
209,589 · +10.8%
By 2075
218,452 · +15.4%
By 2100
205,923 · +8.8%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (71%)
Race & ethnicity
White 71% Hispanic / Latino 14% Black 11% Two or more races 7%
Hispanic origin (detail)
Mexican 5% Puerto Rican 4% Cuban 2%
Common ancestry
Romanian 3% Lithuanian 2% Slovak 1%
Foreign-born
5% · Canada, Dominican Republic, China
Languages at home
90% English-only · Spanish 8%

Political lean MEDSL · Hernando

2024 margin
Solid R (+37.0) · D 31.1% · R 68.2%
2008→2024 swing
-33.5pp toward R · 2008: -3.6pp · 2024: -37.0pp
All cycles
2024: R+37.0 2020: R+30.2 2016: R+29.0 2012: R+8.5 2008: R+3.6

Not yet ingested

Civics

Market trends

HPI YoY
▼ -75.28%
Current HPI
282.3728
Rent YoY
Metro
State GDP YoY
▲ 3.28%
F500 in state
36

Industry mix (Fortune 500 HQ in FL)

Industry F500 HQs Revenue

Price history

-12.2% since first listed
12 events — show timeline
  • 2026-04-03 Price Changed $72,000 HCAR
  • 2026-04-03 Price Changed $72,000 Stellar MLS as Distributed by MLS Grid
  • 2026-03-22 Relisted HCAR
  • 2026-03-19 Relisted Stellar MLS as Distributed by MLS Grid
  • 2026-01-22 Pending HCAR
  • 2026-01-22 Pending Stellar MLS as Distributed by MLS Grid
  • 2025-11-10 Price Changed $74,000 HCAR
  • 2025-11-10 Price Changed $74,000 Stellar MLS as Distributed by MLS Grid
  • 2025-09-17 Price Changed $78,000 HCAR
  • 2025-09-17 Price Changed $78,000 Stellar MLS as Distributed by MLS Grid
  • 2025-08-15 Listed $82,000 Stellar MLS as Distributed by MLS Grid
  • 2025-08-14 Listed $82,000 HCAR

Property tax history

+7.2%/yr

Latest (2025): $1,262 · -0.4% YoY. Source: county tax records.

Cash-flow waterfall

monthly

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