3333 26th Ave E #1090 · Bradenton, FL 34208

$99,900

2 bd · 1.5 ba · 490 sqft · Manufactured public records · 237 Days on market

Built 1990 2,426 sqft lot $200/mo HOA · 13% of rent

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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 +29.3/30.0
• DSCR +10.0/10.0
• 1% rule +9.9/10.0
• ARV discount +7.5/15.0
• 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 MLS

Welcome to 3333 26th Ave E, Bradenton, FL 34208—a charming manufactured home nestled in the vibrant 55+ community of Sugar Creek Country Club. This delightful and cozy residence offers a comfortable and convenient lifestyle in a serene setting. The home boasts a newer water heater, roof, new Pex plumbing in 2019 and new A/C and ductwork replaced in 2025, along with updated siding. The inviting kitchen offers ample room for entertaining, while the laundry room includes built-ins for added storage. Sugar Creek Country Club offers a resort-style living experience with amenities such as two swimming pools and a heated spa, Fitness room, workshop, and clubhouse, Tennis and shuffleboard courts. Don't miss the opportunity to own this charming home in a sought-after community. Schedule your private showing today and start enjoying the Florida lifestyle you've been dreaming of.

Key facts

• Split floor plan
• New central a/c
• Attached shed

Tags

• DURABLE VINYL FLOORING
• ENCLOSED FRONT PORCH
• SPLIT FLOOR PLAN
• ATTACHED SHED
• NEW CENTRAL A/C
• UPDATED PLUMBING

Property features AI

Finance

• Other: Senior community — pets not allowed
• Financial info: Lease restrictions apply; Total monthly fees listed as $200; total annual fees listed as $2,400
• HOA & community: HOA with required approval; Association name: Rowena Harding; Monthly HOA fee $200 (quarterly fee $600); Association amenities include clubhouse, fitness center, pool, spa/hot tub, tennis and shuffleboard courts, recreation facilities, storage, laundry, gated community, private road, street lights, community mailbox; association fee covers cable TV, internet, pool, sewer, water, trash, maintenance of grounds, common area taxes, recreational facilities and escrow reserves

Exterior

• Parking: Off-street parking; Parking pad
• Security: Located in a gated community
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected; Cable available; BB/HS internet available
• Home design: Manufactured double wide home; One story; Crawlspace with pillar/post/pier foundation; Faces south
• Construction: Frame construction; Membrane roof
• Exterior features: Enclosed front porch; Screened porch; Awning(s); Exterior lighting; Rain gutters; Shed(s); Level, paved, private lot; Private maintained road

Interior

• Kitchen: Range; Range hood; Microwave; Refrigerator; Dishwasher
• Bedrooms: 2 bedrooms
• Flooring: Vinyl
• Bathrooms: 1 full bath; 1 half bath
• Heating & cooling: Central heating; Central air
• Interior features: Ceiling fans; Split bedroom floor plan; Thermostat; Window treatments; Blinds
• Laundry & utility: Washer; Dryer; Laundry: other

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath manufactured listed at $100k.

Deal economics

• At list price, monthly cash flow is $-76 ($-906/yr) — negative.
• To cash-flow at today's rent, offer at most $87k (13.4% below list).
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $87k (13.4% below list) — sets the bar for cash-flow.
• Cap rate 10.5% 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 $691 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 237 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 4y ago; this cycle's ask has dropped $20k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: flood insurance adds $427/mo.
• Climate carrying-cost: in FEMA flood zone AE (mandatory federal flood insurance); 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 $86,557 (13.4% 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 237 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
3. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. 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?
8. 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.
9. 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.
10. 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: 1.49% ✓
• Cap rate: 10.51%
• Cash-on-cash: 15.06%
• DSCR: 1.67
• GRM: 5.6

CMA / ARV

• ARV (on-the-fly): $49,000
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3333 26th Ave E #1025	0.08mi	1/1.0 (-1)	501 (+2%)	12mo	$50,000	$100	76
3300 26th Ave E #171	0.30mi	1/1.0 (-1)	420 (-14%)	3mo	$29,900	$71	53

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: -28.0%
• Equity multiple: 0.11×
• Total profit: $-25,001
• Equity at exit: $14,895

10-year hold

• IRR: -70.6%
• Equity multiple: -0.55×
• Total profit: $-43,360
• Equity at exit: $8,638

Cash invested: $27,972 (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: 5.6×

Monthly cashflow live

• Estimated rent: $1,492 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$62 /mo · $742/yr
• Insurance: −$42
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$200
• Vacancy / Maint / Mgmt: −$313
• Net cashflow: $-76

Break-even live

Break-even rent $1,587

Max offer price $86,557

Occupancy floor —

Sensitivity live

Price	-10% $-19	-5% $-47	+0% $-76	+5% $-104	+10% $-132
Rent	-10% $-193	-5% $-134	+0% $-76	+5% $-17	+10% $42
Rate	-1.0pp $-25	-0.5pp $-50	base $-76	+0.5pp $-101	+1.0pp $-128

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $200 · $2,400/yr
• Likely covers: waterpool

Listing history 32 events

1. 2026-06-22
   days on market $99,900 Active 237 DOM
2. 2026-06-18
   days on market $99,900 Active 234 DOM
3. 2026-06-17
   days on market $99,900 Active 233 DOM
4. 2026-06-16
   days on market $99,900 Active 232 DOM
5. 2026-06-15
   days on market $99,900 Active 231 DOM
6. 2026-06-13
   days on market $99,900 Active 229 DOM
7. 2026-06-13
   days on market $99,900 Active 228 DOM
8. 2026-06-10
   days on market $99,900 Active 226 DOM
9. 2026-06-09
   days on market $99,900 Active 225 DOM
10. 2026-06-08
    days on market $99,900 Active 224 DOM
11. 2026-06-08
    days on market $99,900 Active 223 DOM
12. 2026-06-03
    days on market $99,900 Active 219 DOM
13. 2026-06-02
    days on market $99,900 Active 218 DOM
14. 2026-06-01
    days on market $99,900 Active 217 DOM
15. 2026-05-31
    days on market $99,900 Active 216 DOM
16. 2026-05-21
    price $99,900
17. 2026-02-19
    price $115,000
18. 2025-10-27
    listed $119,900 Active
19. 2025-10-21
    historical 891-char remark

    Show marketing remark (891 chars)

    Welcome to 3333 26th Ave E, Bradenton, FL 34208—a charming manufactured home nestled in the vibrant 55+ community of Sugar Creek Country Club. This delightful and cozy residence offers a comfortable and convenient lifestyle in a serene setting. The home boasts a newer water heater, roof, new Pex plumbing in 2019 and new A/C and ductwork replaced in 2025, along with updated siding. The inviting kitchen offers ample room for entertaining, while the laundry room includes built-ins for added storage. Sugar Creek Country Club offers a resort-style living experience with amenities such as two swimming pools and a heated spa, Fitness room, workshop, and clubhouse, Tennis and shuffleboard courts. Don't miss the opportunity to own this charming home in a sought-after community. Schedule your private showing today and start enjoying the Florida lifestyle you've been dreaming of.

20. 2025-10-21
    historical

    Show marketing remark (891 chars)

    Welcome to 3333 26th Ave E, Bradenton, FL 34208—a charming manufactured home nestled in the vibrant 55+ community of Sugar Creek Country Club. This delightful and cozy residence offers a comfortable and convenient lifestyle in a serene setting. The home boasts a newer water heater, roof, new Pex plumbing in 2019 and new A/C and ductwork replaced in 2025, along with updated siding. The inviting kitchen offers ample room for entertaining, while the laundry room includes built-ins for added storage. Sugar Creek Country Club offers a resort-style living experience with amenities such as two swimming pools and a heated spa, Fitness room, workshop, and clubhouse, Tennis and shuffleboard courts. Don't miss the opportunity to own this charming home in a sought-after community. Schedule your private showing today and start enjoying the Florida lifestyle you've been dreaming of.

21. 2025-08-15
    price $139,000 891-char remark

    Show marketing remark (891 chars)

    Welcome to 3333 26th Ave E, Bradenton, FL 34208—a charming manufactured home nestled in the vibrant 55+ community of Sugar Creek Country Club. This delightful and cozy residence offers a comfortable and convenient lifestyle in a serene setting. The home boasts a newer water heater, roof, new Pex plumbing in 2019 and new A/C and ductwork replaced in 2025, along with updated siding. The inviting kitchen offers ample room for entertaining, while the laundry room includes built-ins for added storage. Sugar Creek Country Club offers a resort-style living experience with amenities such as two swimming pools and a heated spa, Fitness room, workshop, and clubhouse, Tennis and shuffleboard courts. Don't miss the opportunity to own this charming home in a sought-after community. Schedule your private showing today and start enjoying the Florida lifestyle you've been dreaming of.

22. 2025-08-15
    price $139,000

    Show marketing remark (891 chars)

    Welcome to 3333 26th Ave E, Bradenton, FL 34208—a charming manufactured home nestled in the vibrant 55+ community of Sugar Creek Country Club. This delightful and cozy residence offers a comfortable and convenient lifestyle in a serene setting. The home boasts a newer water heater, roof, new Pex plumbing in 2019 and new A/C and ductwork replaced in 2025, along with updated siding. The inviting kitchen offers ample room for entertaining, while the laundry room includes built-ins for added storage. Sugar Creek Country Club offers a resort-style living experience with amenities such as two swimming pools and a heated spa, Fitness room, workshop, and clubhouse, Tennis and shuffleboard courts. Don't miss the opportunity to own this charming home in a sought-after community. Schedule your private showing today and start enjoying the Florida lifestyle you've been dreaming of.

23. 2025-06-20
    listed $145,000 Active
24. 2025-04-22
    listed $145,000 Active 891-char remark

    Show marketing remark (891 chars)

    Welcome to 3333 26th Ave E, Bradenton, FL 34208—a charming manufactured home nestled in the vibrant 55+ community of Sugar Creek Country Club. This delightful and cozy residence offers a comfortable and convenient lifestyle in a serene setting. The home boasts a newer water heater, roof, new Pex plumbing in 2019 and new A/C and ductwork replaced in 2025, along with updated siding. The inviting kitchen offers ample room for entertaining, while the laundry room includes built-ins for added storage. Sugar Creek Country Club offers a resort-style living experience with amenities such as two swimming pools and a heated spa, Fitness room, workshop, and clubhouse, Tennis and shuffleboard courts. Don't miss the opportunity to own this charming home in a sought-after community. Schedule your private showing today and start enjoying the Florida lifestyle you've been dreaming of.

25. 2023-04-17
    soldstatus $125,000
26. 2023-04-14
    soldstatus $125,000 Closed
27. 2023-04-02
    status Pending
28. 2023-04-01
    price $127,400
29. 2023-02-07
    price $129,900
30. 2022-12-21
    listed $137,900 Active
31. 2006-03-01
    soldstatus $74,900
32. 1998-02-12
    soldstatus $35,000

ⓘ 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: $742 · $62/mo
• Projected year-2 tax: $829 · $69/mo
• Expected delta: +$88/yr (+$7/mo · 11.8%)

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

Climate risk First Street

• 🌊 Flood 9/10 Extreme FEMA zone AE · 99% 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: $17,898
• − Mortgage interest: −$5,596
• − Property taxes: −$742
• − Insurance: −$5,618
• − Repairs & maintenance: −$1,432
• − Management: −$1,432
• − HOA: −$2,400
• − Depreciation: −$2,906
• Taxable loss: −$2,227
• Est. tax savings @ 24.0%: +$534
• After-tax cash flow: $-372/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
• 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

+185.4% since first listed

17 events — show timeline

• 2026-05-21 Price Changed $99,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-19 Price Changed $115,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-27 Listed $119,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-21 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-10-21 Listing Removed — realMLS
• 2025-08-15 Price Changed $139,000 realMLS
• 2025-08-15 Price Changed $139,000 Stellar MLS as Distributed by MLS Grid
• 2025-06-20 Listed $145,000 Stellar MLS as Distributed by MLS Grid
• 2025-04-22 Listed $145,000 realMLS
• 2023-04-17 Sold (Public Records) $125,000 Public Records
• 2023-04-14 Sold (MLS) $125,000 Stellar MLS as Distributed by MLS Grid
• 2023-04-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-04-01 Price Changed $127,400 Stellar MLS as Distributed by MLS Grid
• 2023-02-07 Price Changed $129,900 Stellar MLS as Distributed by MLS Grid
• 2022-12-21 Listed $137,900 Stellar MLS as Distributed by MLS Grid
• 2006-03-01 Sold (Public Records) $74,900 Public Records
• 1998-02-12 Sold (Public Records) $35,000 Public Records

Property tax history

-0.8%/yr

Latest (2024): $742 · -44.9% YoY. Source: county tax records.