9494 SE 144th Pl · The Villages, FL 34491

$234,900

4 bd · 2.0 ba · 1,512 sqft · Manufactured public records · 380 Days on market

Built 2025 8,712 sqft lot $155/sqft · 86% above area

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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 +25.5/30.0
• DSCR +8.4/10.0
• ARV discount +7.5/15.0
• 1% rule +5.5/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Spacious and Move-In Ready! This brand new 4-bedroom, 2 full bath double-wide mobile home offers a welcoming 1,492 sq ft of living space, perfect for families or those who love to spread out. Make it your own and create lasting memories in this fantastic home. Live Open and Modern! This beautiful mobile home boasts an open floor plan, perfect for entertaining and family time. Enjoy the convenience of stainless steel appliances and a center island in the kitchen. Relax in your private master bedroom with double sinks in the master bathroom and a spacious walk-in closet. Plus, forget carpet! This home features easy-care tile and vinyl plank flooring throughout. Peaceful Escape with Easy Access Nestled between Ocala and The Villages, Summerfield offers a peaceful escape with convenient access to shopping and entertainment. Enjoy the best of both worlds: tranquility and nearby amenities. This One Won't Last! Call today to learn more about this desirable mobile home

Key facts

• Double sinks
• Open floor plan
• Walk-in closet

Tags

• OPEN FLOOR PLAN
• STAINLESS STEEL APPLIANCES
• CENTER ISLAND
• PRIVATE MASTER BEDROOM
• DOUBLE SINKS
• WALK-IN CLOSET

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath manufactured listed at $235k.

Deal economics

• At list price, monthly cash flow is $479 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $235k).
• Recommended offer: $207k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.1% vs local median 5.0% in The Villages — 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 70/100 on livability (#431 in FL) — a middle-class / working-renter tenant base. Strengths: schools A+, crime A+, housing A; Watch: amenities F, commute F, health & safety F.
• Marion (rural): math 42% / reading 43% proficiency, ranked #61 of 73 in FL (top 84%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 705 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 44% of the median local income ($67k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 380 days — a 12% lower offer ($207k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts 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 $48k; list at $235k implies a 389% gain — meaningful room to come down on a strong offer.

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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $206,712 (12.0% below list)

Questions for the listing agent

1. It's been on market 380 days. Have you received any prior offers? Is the seller open to a 12% 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. 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 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?
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: 1.05% ✓
• Cap rate: 9.08%
• Cash-on-cash: 9.95%
• DSCR: 1.44
• GRM: 8.0

CMA / ARV

• ARV (median comp): $124,444
• List price: $234,900
• Delta: 88.76%
• Verdict: OVERPRICED
• Comps: 2 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -3.1%
• Equity multiple: 0.88×
• Total profit: $-7,614
• Equity at exit: $35,024

10-year hold

• IRR: 6.6%
• Equity multiple: 1.49×
• Total profit: $32,409
• Equity at exit: $20,310

Cash invested: $65,772 (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 34491

• Home prices YoY: -35.0%
• Active inventory: 705
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $2,458 medium
• Mortgage (P&I): −$1,232
• Tax from tax record: −$67 /mo · $801/yr
• Insurance: −$98
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$516
• Net cashflow: $479

Break-even live

Break-even rent $1,852

Max offer price $234,900

Occupancy floor 76%

Sensitivity live

Price	-10% $612	-5% $546	+0% $479	+5% $413	+10% $346
Rent	-10% $285	-5% $382	+0% $479	+5% $576	+10% $673
Rate	-1.0pp $597	-0.5pp $539	base $479	+0.5pp $418	+1.0pp $356

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: $58,725
• Closing costs: $7,047
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9393 SE 158th Pl Summerfield, FL	4.0	3.0	1990	$2,500	$1.26	21d	1	1.41mi
8721 SE 157th St Summerfield, FL	3.0	2.0	1236	$1,650	$1.33	21d	1	1.46mi

Listing history 20 events

1. 2026-06-18
   days on market $234,900 Active 380 DOM
2. 2026-06-17
   days on market $234,900 Active 379 DOM
3. 2026-06-16
   days on market $234,900 Active 378 DOM
4. 2026-06-15
   days on market $234,900 Active 377 DOM
5. 2026-06-14
   days on market $234,900 Active 375 DOM
6. 2026-06-13
   days on market $234,900 Active 374 DOM
7. 2026-06-10
   days on market $234,900 Active 372 DOM
8. 2026-06-09
   days on market $234,900 Active 371 DOM
9. 2026-06-08
   days on market $234,900 Active 370 DOM
10. 2026-06-07
    days on market $234,900 Active 369 DOM
11. 2026-06-03
    days on market $234,900 Active 365 DOM
12. 2026-06-02
    days on market $234,900 Active 364 DOM
13. 2026-05-31
    days on market $234,900 Active 362 DOM
14. 2026-05-30
    days on market $234,900 Active 361 DOM
15. 2026-04-13
    status Active 975-char remark

    Show marketing remark (975 chars)

    Spacious and Move-In Ready! This brand new 4-bedroom, 2 full bath double-wide mobile home offers a welcoming 1,492 sq ft of living space, perfect for families or those who love to spread out. Make it your own and create lasting memories in this fantastic home. Live Open and Modern! This beautiful mobile home boasts an open floor plan, perfect for entertaining and family time. Enjoy the convenience of stainless steel appliances and a center island in the kitchen. Relax in your private master bedroom with double sinks in the master bathroom and a spacious walk-in closet. Plus, forget carpet! This home features easy-care tile and vinyl plank flooring throughout. Peaceful Escape with Easy Access Nestled between Ocala and The Villages, Summerfield offers a peaceful escape with convenient access to shopping and entertainment. Enjoy the best of both worlds: tranquility and nearby amenities. This One Won't Last! Call today to learn more about this desirable mobile home

16. 2025-11-20
    status Active 975-char remark

    Show marketing remark (975 chars)

    Spacious and Move-In Ready! This brand new 4-bedroom, 2 full bath double-wide mobile home offers a welcoming 1,492 sq ft of living space, perfect for families or those who love to spread out. Make it your own and create lasting memories in this fantastic home. Live Open and Modern! This beautiful mobile home boasts an open floor plan, perfect for entertaining and family time. Enjoy the convenience of stainless steel appliances and a center island in the kitchen. Relax in your private master bedroom with double sinks in the master bathroom and a spacious walk-in closet. Plus, forget carpet! This home features easy-care tile and vinyl plank flooring throughout. Peaceful Escape with Easy Access Nestled between Ocala and The Villages, Summerfield offers a peaceful escape with convenient access to shopping and entertainment. Enjoy the best of both worlds: tranquility and nearby amenities. This One Won't Last! Call today to learn more about this desirable mobile home

17. 2025-11-19
    historical 975-char remark

    Show marketing remark (975 chars)

    Spacious and Move-In Ready! This brand new 4-bedroom, 2 full bath double-wide mobile home offers a welcoming 1,492 sq ft of living space, perfect for families or those who love to spread out. Make it your own and create lasting memories in this fantastic home. Live Open and Modern! This beautiful mobile home boasts an open floor plan, perfect for entertaining and family time. Enjoy the convenience of stainless steel appliances and a center island in the kitchen. Relax in your private master bedroom with double sinks in the master bathroom and a spacious walk-in closet. Plus, forget carpet! This home features easy-care tile and vinyl plank flooring throughout. Peaceful Escape with Easy Access Nestled between Ocala and The Villages, Summerfield offers a peaceful escape with convenient access to shopping and entertainment. Enjoy the best of both worlds: tranquility and nearby amenities. This One Won't Last! Call today to learn more about this desirable mobile home

18. 2025-07-22
    price $234,900 975-char remark

    Show marketing remark (975 chars)

    Spacious and Move-In Ready! This brand new 4-bedroom, 2 full bath double-wide mobile home offers a welcoming 1,492 sq ft of living space, perfect for families or those who love to spread out. Make it your own and create lasting memories in this fantastic home. Live Open and Modern! This beautiful mobile home boasts an open floor plan, perfect for entertaining and family time. Enjoy the convenience of stainless steel appliances and a center island in the kitchen. Relax in your private master bedroom with double sinks in the master bathroom and a spacious walk-in closet. Plus, forget carpet! This home features easy-care tile and vinyl plank flooring throughout. Peaceful Escape with Easy Access Nestled between Ocala and The Villages, Summerfield offers a peaceful escape with convenient access to shopping and entertainment. Enjoy the best of both worlds: tranquility and nearby amenities. This One Won't Last! Call today to learn more about this desirable mobile home

19. 2025-05-20
    listed $239,900 Active 975-char remark

    Show marketing remark (975 chars)

    Spacious and Move-In Ready! This brand new 4-bedroom, 2 full bath double-wide mobile home offers a welcoming 1,492 sq ft of living space, perfect for families or those who love to spread out. Make it your own and create lasting memories in this fantastic home. Live Open and Modern! This beautiful mobile home boasts an open floor plan, perfect for entertaining and family time. Enjoy the convenience of stainless steel appliances and a center island in the kitchen. Relax in your private master bedroom with double sinks in the master bathroom and a spacious walk-in closet. Plus, forget carpet! This home features easy-care tile and vinyl plank flooring throughout. Peaceful Escape with Easy Access Nestled between Ocala and The Villages, Summerfield offers a peaceful escape with convenient access to shopping and entertainment. Enjoy the best of both worlds: tranquility and nearby amenities. This One Won't Last! Call today to learn more about this desirable mobile home

20. 2023-07-19
    soldstatus $48,000

ⓘ 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: $801 · $67/mo
• Projected year-2 tax: $1,950 · $162/mo
• Expected delta: +$1,149/yr (+$96/mo · 143.6%)

ⓘ 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 (unshaded) · 76% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 21 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: $29,498
• − Mortgage interest: −$13,158
• − Property taxes: −$801
• − Insurance: −$1,972
• − Repairs & maintenance: −$2,360
• − Management: −$2,360
• − Depreciation: −$6,833
• Taxable income: $2,014
• Est. tax owed @ 24.0%: −$483
• After-tax cash flow: $5,265/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: Marion
• NCES district ID: 1201260
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $40,015
• Composite: 35.61/100
• National rank: #4890
• State rank: #61 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: Marion County · 315,796 people
• City population: 83,973
• Metro: Ocala, FL
• Population (ZIP): 33,318
• Household income: $66,679
• Rent vs Own: 13.2% rent · 86.8% own
• Severe rent burden: 256.0

Population outlook (Marion County) Hauer SSP2

• Today (2025): 365,905 people
• By 2030: 376,768 · +3.0%
• By 2040: 396,555 · +8.4%
• By 2050: 412,723 · +12.8%
• By 2075: 446,090 · +21.9%
• By 2100: 436,193 · +19.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Hispanic / Latino 14% Two or more races 9% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 1%
• Common ancestry: Lithuanian 3% Slovak 2% Romanian 2%
• Foreign-born: 8% · Canada, Vietnam, Jamaica
• Languages at home: 85% English-only · Spanish 11% Vietnamese 1% French/Haitian/Cajun 1%

Political lean MEDSL · Marion

• 2024 margin: Solid R (+31.6) · D 33.8% · R 65.5%
• 2008→2024 swing: -20.0pp toward R · 2008: -11.6pp · 2024: -31.6pp
• All cycles: 2024: R+31.6 2020: R+25.9 2016: R+26.2 2012: R+16.2 2008: R+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -107.67%
• Current HPI: 200.0792
• Rent YoY: —
• Metro: Ocala, 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

+389.4% since first listed

6 events — show timeline

• 2026-04-13 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-11-20 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-11-19 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-07-22 Price Changed $234,900 Stellar MLS as Distributed by MLS Grid
• 2025-05-20 Listed $239,900 Stellar MLS as Distributed by MLS Grid
• 2023-07-19 Sold (Public Records) $48,000 Public Records

Property tax history

+16.7%/yr

Latest (2025): $801 · +160.9% YoY. Source: county tax records.