13680 NW 127th Ter #17 · Taylor Creek, FL 34974

$144,000

1 bd · 1.0 ba · 945 sqft · Manufactured · 15 Days on market

Built 2014 Good condition 3,150 sqft lot ↓ 20% since listing

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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 +7.5/15.0
• DSCR +3.9/10.0
• Condition / age +3.8/5.0
• 1% rule +3.7/10.0
• Schools +3.6/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome to this exquisite 1 bdrm, 1 ba 2014 home w/ 945 lvg sf & 3,031 total sf. Living Room features large windows overlooking golf course. Kitchen has newer appliances, including DW. Bonus room can be used for office or guest room - temporary wall can be removed for additional living space. Ceiling Fans. 8 x 10 shed. Slab walkway w/ pavers provide additional outdoor living space. Great location for golfers and boating enthusiasts. Dock space & boat ramp available; providing Lake Okeechobee access. Active community offers newer pickleball court, clubhouse, shuffleboard court and pool. This home has been tastefully decorated and comes furnished.

Key facts

• Newer appliances
• Bonus room
• Dock space

Tags

• NEWER APPLIANCES
• BONUS ROOM
• DOCK SPACE
• BOAT RAMP
• LAKE OKEECHOBEE ACCESS
• NEWER PICKLEBALL COURT

Property features AI

Finance

• Other: Pets allowed (dogs OK) with possible breed/size restrictions
• HOA & community: Association: Blue Cypress Golf & RV Resort; Monthly association fee; Association covers grounds maintenance, water, sewer, common areas, recreation facilities and pool service; Community amenities include clubhouse, pool, golf course, putting green, tennis, pickleball and shuffleboard courts, jogging paths, fishing pier, storage, maintenance and recreation facilities; Senior community

Exterior

• Parking: Total 3 parking spaces; Attached covered carport for 2 cars; Driveway parking; 1 open parking space; Golf cart parking; Concrete surfaces
• Utilities: Public water; Public sewer; Electricity connected (underground); Underground utilities; Water connected; Sewer connected
• Home design: Manufactured home; One story; Faces south; Resale condition
• Construction: Vinyl siding; Metal roof; Slab foundation; Stone skirting; Model SKLI
• Exterior features: Covered and open patio; Open porch; Shed(s); On golf course; Asphalt road; private maintained road

Interior

• Kitchen: Dishwasher; Gas range; Microwave; Refrigerator; Electric water heater
• Bedrooms: 1 bedroom on the main level
• Flooring: Ceramic tile; Laminate; Wood
• Bathrooms: 1 full bathroom on the main level
• Heating & cooling: Central heating; Central air; Ceiling fans
• Interior features: Vaulted ceilings; Furnished
• Laundry & utility: Laundry closet on the main level

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath manufactured listed at $144k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-8 ($-90/yr) — negative.
• To cash-flow at today's rent, offer at most $143k (0.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $125k (13.2% below list).
• Recommended offer: $125k (13.2% below list) — sets the bar for 1% rule.
• Cap rate 6.2% vs local median 4.1% in Taylor Creek — 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 56/100 on livability (#874 in FL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime B+; Watch: amenities F, commute F, employment F.
• Okeechobee (town): math 44% / reading 42% proficiency, ranked #58 of 73 in FL (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: Everglades Elementary School (math 53% / reading 52%, grade C-, #976 of 2,144 statewide, top 46%, 760 students, 76% FRL); Osceola Middle School (math 53% / reading 36%, grade D, #320 of 571 statewide, top 57%, 753 students, 67% FRL); Okeechobee High School (math 30% / reading 42%, grade F, #359 of 667 statewide, top 55%, 1,692 students, 62% FRL) — zoned schools at 68% FRL track the district average.
• Market conditions: 402 active listings in the ZIP; 18 units permitted in Okeechobee County in 2024 (0 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $996 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Okeechobee County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 15 days — a 2% lower offer ($142k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 2y 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→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $125,018 (13.2% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 0.87% ✗
• Cap rate: 6.23%
• Cash-on-cash: -0.22%
• DSCR: 0.99
• GRM: 9.6

CMA / ARV

• ARV (on-the-fly): $73,710
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13560 SE 127th Ter	0.10mi	2/2.0 (+1)	917 (-3%)	5mo	$130,000	$142	77
12531 SE 140th Rd #118	0.18mi	2/1.5 (+1)	903 (-4%)	4mo	$70,000	$78	74
12311 SE 138th Blvd	0.26mi	1/1.0	822 (-13%)	6mo	$48,000	$58	61

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: -16.7%
• Equity multiple: 0.41×
• Total profit: $-23,794
• Equity at exit: $21,471

10-year hold

• IRR: -8.4%
• Equity multiple: 0.47×
• Total profit: $-21,258
• Equity at exit: $12,450

Cash invested: $40,320 (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 34974

• Home prices YoY: -15.6%
• Active inventory: 402
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $1,250 medium
• Mortgage (P&I): −$755
• Tax est. 1.5%: −$180 /mo · $2,160/yr
• Insurance: −$60
• HOA: −$0
• Vacancy / Maint / Mgmt: −$263
• Net cashflow: $-8

Break-even live

Break-even rent $1,260

Max offer price $142,913

Occupancy floor 96%

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: $36,000
• Closing costs: $4,320
• Reserves months: —
• Total cash needed: —

Listing history 12 events

1. 2026-06-19
   days on market $144,000 Active 15 DOM
2. 2026-06-18
   days on market $144,000 Active 14 DOM
3. 2026-06-17
   days on market $144,000 Active 13 DOM
4. 2026-06-16
   days on market $144,000 Active 12 DOM
5. 2026-06-15
   days on market $144,000 Active 11 DOM
6. 2026-06-14
   days on market $144,000 Active 9 DOM
7. 2026-06-10
   days on market $144,000 Active 6 DOM
8. 2026-06-09
   days on market $144,000 Active 5 DOM
9. 2026-06-08
   days on market $144,000 Active 4 DOM
10. 2026-06-07
    days on market $144,000 Active 3 DOM
11. 2026-06-05
    remarks 659-char remark
12. 2026-06-05
    listed $144,000 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 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 · 26 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,002
• − Mortgage interest: −$8,066
• − Property taxes: −$2,160
• − Insurance: −$720
• − Repairs & maintenance: −$1,200
• − Management: −$1,200
• − Depreciation: −$4,189
• Taxable loss: −$2,534
• Est. tax savings @ 24.0%: +$608
• After-tax cash flow: $518/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 · 13 photos

Good 75/100 Cosmetic rehab

This 2014 manufactured home is in good condition with cosmetic updates needed to enhance its curb appeal and interior aesthetics. It offers a great location with access to golfing and boating amenities.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics.
• Both Updating the kitchen backsplash — A new backsplash can modernize the kitchen and add value.
• Both Upgrading the flooring — Newer flooring can improve the overall look and feel of the home.
• Both Adding a smart home system — Modern technology can increase the home's appeal and marketability.
• Both Landscaping improvements — Enhanced landscaping can boost curb appeal and attract more potential buyers/renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting the exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
• Both Updating the kitchen backsplash — A new backsplash can modernize the kitchen and add value. ↑
• Both Upgrading the flooring — Newer flooring can improve the overall look and feel of the home. ↑
• Both Adding a smart home system — Modern technology can increase the home's appeal and marketability. ↑
• Both Landscaping improvements — Enhanced landscaping can boost curb appeal and attract more potential buyers/renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Okeechobee
• NCES district ID: 1201410
• Math proficiency: 44% ▼ -12.00%
• Reading proficiency: 42% ▼ -4.00%
• Median HH income: $36,710
• Composite: 35.73/100
• National rank: #4855
• State rank: #58 of 73 in FL

Livability — Taylor Creek

• Score: 56/100
• State rank: #874
• US rank: #23017

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Okeechobee County · 23,975 people
• Metro: Okeechobee, FL
• Population (ZIP): 23,975
• Household income: $53,013
• Rent vs Own: 18.3% rent · 81.7% own
• Severe rent burden: 399.0

Population outlook (Okeechobee County) Hauer SSP2

• Today (2025): 37,273 people
• By 2030: 35,885 · -3.7%
• By 2040: 32,931 · -11.6%
• By 2050: 29,433 · -21.0%
• By 2075: 19,607 · -47.4%
• By 2100: 11,814 · -68.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 19% Two or more races 8% Asian 2% Black 2% Native American 1%
• Hispanic origin (detail): Mexican 12% Puerto Rican 1% Cuban 2%
• Common ancestry: Lithuanian 2% Iranian 2% Italian 2%
• Foreign-born: 11% · Canada, Jamaica
• Languages at home: 81% English-only · Spanish 16% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Okeechobee

• 2024 margin: Solid R (+53.8) · D 22.9% · R 76.7%
• 2008→2024 swing: -34.6pp toward R · 2008: -19.2pp · 2024: -53.8pp
• All cycles: 2024: R+53.8 2020: R+44.4 2016: R+39.5 2012: R+20.0 2008: R+19.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -64.47%
• Current HPI: 348.6692
• Rent YoY: —
• Metro: Okeechobee, 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

-19.6% since first listed

16 events — show timeline

• 2026-06-03 Listed $144,000 Beaches MLS
• 2026-04-30 Listing Removed — Beaches MLS
• 2025-11-13 Price Changed $149,000 Beaches MLS
• 2025-10-07 Listed $157,000 Beaches MLS
• 2025-10-01 Listing Removed — Beaches MLS
• 2025-03-28 Price Changed $157,000 Beaches MLS
• 2025-03-02 Relisted — Beaches MLS
• 2025-03-01 Listing Removed — Beaches MLS
• 2025-01-07 Price Changed $164,900 Beaches MLS
• 2024-12-03 Relisted — Beaches MLS
• 2024-11-30 Listing Removed — Beaches MLS
• 2024-11-09 Price Changed $169,500 Beaches MLS
• 2024-11-04 Relisted — Beaches MLS
• 2024-11-01 Listing Removed — Beaches MLS
• 2024-08-14 Price Changed $174,500 Beaches MLS
• 2024-04-20 Listed $179,000 Beaches MLS