3300 26th Ave E #225 · Bradenton, FL 34208

$115,000

1 bd · 1.0 ba · 468 sqft · Manufactured public records · 87 Days on market

Built 1994 2,128 sqft lot $166/mo HOA · 13% of rent

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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 +21.5/30.0
• ARV discount +7.5/15.0
• DSCR +6.8/10.0
• 1% rule +6.5/10.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +1.1/5.0
• Appreciation +0.0/10.0

Listing remarks

LOOKING FOR A FLORIDA GETAWAY PROPERTY? Consider this one bedroom, 1 1/2 bathroom mobile home in Sugar Creek Resort. The furnished home features a comfortable living area, eat-in kitchen, den which could be used for extra sleeping options, one-of-a-kind painted coastal murals, a huge storage closet, and it sits on Shady Oak Circle--a very social cul de sac within the community. The home has a large primary bedroom with space for a dressing room, or seating area. Central A/C replaced in 2023. Shingle portion of the roof was replaced in 2025. Newer washer & dryer. This particular lot is not in a flood zone. SUGAR CREEK RESORT has low HOA fees of just $500 each quarter which include wate

Key facts

• 2,128 sq ft lot
• Community pool
• Built 1994

Property features AI

Finance

• Other: Furnished; Senior community; Pets not allowed; Association contact: KRIS TUTTLE; Quarterly association fee listed as $500; total annual HOA approx. $2,000
• Financial info: Lease restrictions apply
• HOA & community: Has HOA; buyer approval required; Monthly HOA approximately $166.67 (quarterly fee $500); Association amenities: clubhouse, pool, tennis courts, shuffleboard, recreation facilities, gated community, community laundry; Association fee covers common area taxes, pool, escrow reserves, grounds maintenance, private road, recreational facilities, sewer, trash and water

Exterior

• Parking: Off-street parking; Parking pad
• Security: Gated community
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected; Phone available; Underground utilities
• Home design: Manufactured single-wide home; One level; Faces west
• Construction: Frame construction; Membrane, metal and shingle roofing; Crawlspace with pillar/post/pier foundation; Built in 1 structure (single-wide manufactured)
• Exterior features: Awnings; Rain gutters; Private, level, paved lot; Paved road with private maintenance

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator; Wine refrigerator; Eat-in kitchen
• Bedrooms: 1 bedroom
• Flooring: Laminate; Tile
• Bathrooms: 1 full bath; 1 half bath
• Heating & cooling: Central heating; Central air
• Interior features: Built-in features; Ceiling fans; Eat-in kitchen; Thermostat; Blinds and drapes
• Laundry & utility: Washer; Dryer; Laundry closet; Electric water heater

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath manufactured listed at $115k.

Deal economics

• At list price, monthly cash flow is $105 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $115k).
• Recommended offer: $108k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.1% vs local median 3.6% in Bradenton — 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 81/100 on livability (#101 in FL, #1,528 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, crime D, amenities F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: William H. Bashaw Elementary (math 51% / reading 44%, grade D, #1,182 of 2,144 statewide, top 55%, 684 students, 69% FRL); Braden River Middle School (math 54% / reading 47%, grade C, #246 of 571 statewide, top 44%, 810 students, 58% FRL); Braden River High School (math 44% / reading 52%, grade D, #201 of 667 statewide, top 30%, 1,774 students, 45% FRL).
• Market conditions: Rents falling (-5.4%/yr); 351 active listings in the ZIP; 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $795 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 87 days — a 6% lower offer ($108k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $108,100 (6.0% below list)

Questions for the listing agent

1. It's been on market 87 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.15% ✓
• Cap rate: 8.09%
• Cash-on-cash: 6.40%
• DSCR: 1.28
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $46,800
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3300 26th Ave E #171	0.00mi	1/1.0	420 (-10%)	3mo	$29,900	$71	81
3333 26th Ave E #1025	0.31mi	1/1.0	501 (+7%)	12mo	$50,000	$100	64

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -14.1%
• Equity multiple: 0.51×
• Total profit: $-15,687
• Equity at exit: $17,147

10-year hold

• IRR: -12.1%
• Equity multiple: 0.39×
• Total profit: $-19,534
• Equity at exit: $9,943

Cash invested: $32,200 (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 34208

• Rents YoY: -5.4%
• Active inventory: 351
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,320 medium
• Mortgage (P&I): −$603
• Tax from tax record: −$54 /mo · $650/yr
• Insurance: −$48
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$166
• Vacancy / Maint / Mgmt: −$277
• Net cashflow: $105

Break-even live

Break-even rent $1,187

Max offer price $115,000

Occupancy floor 87%

Sensitivity live

Price	-10% $170	-5% $138	+0% $105	+5% $73	+10% $40
Rent	-10% $1	-5% $53	+0% $105	+5% $157	+10% $210
Rate	-1.0pp $163	-0.5pp $135	base $105	+0.5pp $76	+1.0pp $45

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: $28,750
• Closing costs: $3,450
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $166 · $1,992/yr

Listing history 16 events

1. 2026-06-22
   days on market $115,000 Active 87 DOM
2. 2026-06-18
   days on market $115,000 Active 84 DOM
3. 2026-06-17
   days on market $115,000 Active 83 DOM
4. 2026-06-16
   days on market $115,000 Active 82 DOM
5. 2026-06-15
   days on market $115,000 Active 81 DOM
6. 2026-06-13
   days on market $115,000 Active 79 DOM
7. 2026-06-13
   days on market $115,000 Active 78 DOM
8. 2026-06-10
   days on market $115,000 Active 76 DOM
9. 2026-06-09
   days on market $115,000 Active 75 DOM
10. 2026-06-08
    days on market $115,000 Active 74 DOM
11. 2026-06-08
    days on market $115,000 Active 73 DOM
12. 2026-06-03
    days on market $115,000 Active 69 DOM
13. 2026-06-02
    days on market $115,000 Active 68 DOM
14. 2026-06-01
    days on market $115,000 Active 67 DOM
15. 2026-05-31
    days on market $115,000 Active 66 DOM
16. 2026-03-26
    listed $115,000 Active

ⓘ 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: $650 · $54/mo
• Projected year-2 tax: $954 · $80/mo
• Expected delta: +$305/yr (+$25/mo · 47.0%)

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

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (shaded) · 75% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $15,842
• − Mortgage interest: −$6,442
• − Property taxes: −$650
• − Insurance: −$1,372
• − Repairs & maintenance: −$1,267
• − Management: −$1,267
• − HOA: −$1,992
• − Depreciation: −$3,345
• Taxable loss: −$494
• Est. tax savings @ 24.0%: +$119
• After-tax cash flow: $1,383/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: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — Bradenton

• Score: 81/100
• State rank: #101
• US rank: #1528

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Manatee County · 416,364 people
• City population: 227,091
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 44,004
• Household income: $60,504
• Rent vs Own: 43.5% rent · 56.5% own
• Severe rent burden: 1777.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.67)
• Race & ethnicity: White 43% Hispanic / Latino 33% Black 18% Two or more races 16% Asian 2%
• Hispanic origin (detail): Mexican 18% Puerto Rican 3% Cuban 2% Dominican 2%
• Common ancestry: Hispanic 2% Iranian 2% Lithuanian 1%
• Foreign-born: 20% · Canada, Jamaica, China
• Languages at home: 67% English-only · Spanish 27% French/Haitian/Cajun 3% Other Indo-European 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -353.49%
• Current HPI: 287.0443
• Rent YoY: ▼ -5.44%
• Metro: North Port-Sarasota-Bradenton, 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

1 event — show timeline

• 2026-03-26 Listed $115,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+0.8%/yr

Latest (2025): $650 · +4.1% YoY. Source: county tax records.