6841 Osprey Ln · Hudson, FL 34667

$154,150

2 bd · 2.0 ba · 564 sqft · Manufactured public records · 70 Days on market

Built 1965 3,200 sqft lot ↓ 36% since listing

---

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 +25.7/30.0
• DSCR +8.6/10.0
• ARV discount +7.5/15.0
• 1% rule +6.2/10.0
• Schools +4.3/10.0
• Livability +3.7/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Three lots next to each other on a canal. Build your dream home or investment properties. These two properties on either side of the mobile home at 6841 Osprey Ln. (newly and fully remodeled - listed separately as real estate) can be sold by themselves, together or either included with the purchase of the center lot. You have options. The county appraiser has these listed as 33-24-16-0230-00F00-0170 and 33-24-16-0230-00F00-0190 - the list price is 92.9K each.

Key facts

• Brand new bathroom
• Scenic canal system
• 3,200 sq ft lot

Tags

• FULLY REMODELED MOBILE HOME
• BRAND NEW BATHROOM
• DIRECT ACCESS TO THE GULF
• SCENIC CANAL SYSTEM
• MINUTES FROM LOCAL SHOPPING

Property features AI

Finance

• Other: Lot approximately 0.07 acres (about 297 m²)
• HOA & community: No association indicated

Exterior

• Parking: Carport with 2 spaces
• Utilities: Public water; Public sewer; Cable available; Electricity connected
• Home design: Residential mobile home (single wide); One story; Faces west
• Construction: Metal siding; Shingle roof; Crawlspace foundation; Built as single wide mobile home
• Exterior features: Exterior lighting; On waterfront with canal and Gulf of Mexico access; Canal water view; Minimum wake zone; Concrete seawall

Interior

• Kitchen: Other appliances
• Bedrooms: 2 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Living room/dining room combo; 5 total rooms
• Laundry & utility: Inside laundry

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $154k.

Deal economics

• At list price, monthly cash flow is $-56 ($-670/yr) — negative.
• To cash-flow at today's rent, offer at most $144k (6.4% below list).
• Meets the 1% rule at list price ($2k rent vs $154k).
• Recommended offer: $144k (6.4% below list) — sets the bar for cash-flow.
• Cap rate 9.2% vs local median 3.4% in Hudson — 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 74/100 on livability (#289 in FL, #4,856 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities D, employment D, commute F.
• Pasco (suburban): math 50% / reading 52% proficiency, ranked #32 of 73 in FL (top 44%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Hudson Primary Academy (math 29% / reading 31%, grade F, #1,882 of 2,144 statewide, top 88%, 647 students, 90% FRL); Hudson High School (math 45% / reading 40%, grade F, #264 of 667 statewide, top 41%, 1,387 students, 66% FRL) — zoned schools average 78% FRL vs 48% district-wide (30 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 36% at this address vs 51% district-wide (-15 pts) — the specific schools serving this property underperform the Pasco average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-2.3%/yr); 790 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• This rent runs 40% of the median local income ($51k/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 $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• Pasco County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 70 days — a 6% lower offer ($145k) 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.

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; major wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $144,289 (6.4% 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 70 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
3. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
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. 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?
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: 1.12% ✓
• Cap rate: 9.18%
• Cash-on-cash: 10.31%
• DSCR: 1.46
• GRM: 7.4

CMA / ARV

• ARV (on-the-fly): $83,472
• Comps found: 3

Show comp detail 3 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6724 Curlew Ln	0.16mi	2/1.5	570 (+1%)	8mo	$110,000	$193	82
13229 Jazz Ln	0.19mi	2/1.5	648 (+15%)	3mo	$87,000	$134	62
13236 Indigo Ln	0.17mi	1/1.0 (-1)	640 (+14%)	8mo	$95,000	$148	54

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: -23.3%
• Equity multiple: 0.23×
• Total profit: $-33,351
• Equity at exit: $22,984

10-year hold

• IRR: -35.3%
• Equity multiple: -0.21×
• Total profit: $-52,185
• Equity at exit: $13,328

Cash invested: $43,162 (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 34667

• Rents YoY: -2.3%
• Active inventory: 790
• Price-to-rent: 7.4×

Monthly cashflow live

• Estimated rent: $1,727 medium
• Mortgage (P&I): −$808
• Tax from tax record: −$121 /mo · $1,450/yr
• Insurance: −$64
• Flood insurance flood zone: −$427 /mo · $5,118/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$363
• Net cashflow: $-56

Break-even live

Break-even rent $1,797

Max offer price $144,289

Occupancy floor 98%

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: $38,538
• Closing costs: $4,624
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13113 Bartow St Hudson, FL	2.0	1.0	528	$1,190	$2.25	24d	1	0.41mi
6009 Sea Ranch Dr #704 Hudson, FL	1.0	1.0	733	$1,800	$2.46	24d	1	0.90mi
5915 Sea Ranch Dr #703 Hudson, FL	1.0	1.0	733	$2,700	$3.68	24d	1	1.00mi

Listing history 19 events

1. 2026-06-18
   days on market $154,150 Active 70 DOM
2. 2026-06-17
   days on market $154,150 Active 69 DOM
3. 2026-06-16
   days on market $154,150 Active 68 DOM
4. 2026-06-15
   days on market $154,150 Active 67 DOM
5. 2026-06-13
   days on market $154,150 Active 65 DOM
6. 2026-06-09
   days on market $154,150 Active 61 DOM
7. 2026-06-08
   days on market $154,150 Active 60 DOM
8. 2026-06-07
   days on market $154,150 Active 59 DOM
9. 2026-06-04
   days on market $154,150 Active 56 DOM
10. 2026-06-03
    days on market $154,150 Active 55 DOM
11. 2026-06-02
    days on market $154,150 Active 54 DOM
12. 2026-06-01
    days on market $154,150 Active 53 DOM
13. 2026-05-31
    days on market $154,150 Active 52 DOM
14. 2026-04-09
    listed $154,150 Active
15. 2026-04-02
    price $92,900 463-char remark

    Show marketing remark (463 chars)

    Three lots next to each other on a canal. Build your dream home or investment properties. These two properties on either side of the mobile home at 6841 Osprey Ln. (newly and fully remodeled - listed separately as real estate) can be sold by themselves, together or either included with the purchase of the center lot. You have options. The county appraiser has these listed as 33-24-16-0230-00F00-0170 and 33-24-16-0230-00F00-0190 - the list price is 92.9K each.

16. 2026-01-01
    status Active 463-char remark

    Show marketing remark (463 chars)

    Three lots next to each other on a canal. Build your dream home or investment properties. These two properties on either side of the mobile home at 6841 Osprey Ln. (newly and fully remodeled - listed separately as real estate) can be sold by themselves, together or either included with the purchase of the center lot. You have options. The county appraiser has these listed as 33-24-16-0230-00F00-0170 and 33-24-16-0230-00F00-0190 - the list price is 92.9K each.

17. 2025-12-31
    historical 463-char remark

    Show marketing remark (463 chars)

    Three lots next to each other on a canal. Build your dream home or investment properties. These two properties on either side of the mobile home at 6841 Osprey Ln. (newly and fully remodeled - listed separately as real estate) can be sold by themselves, together or either included with the purchase of the center lot. You have options. The county appraiser has these listed as 33-24-16-0230-00F00-0170 and 33-24-16-0230-00F00-0190 - the list price is 92.9K each.

18. 2025-06-11
    price $225,000 463-char remark

    Show marketing remark (463 chars)

    Three lots next to each other on a canal. Build your dream home or investment properties. These two properties on either side of the mobile home at 6841 Osprey Ln. (newly and fully remodeled - listed separately as real estate) can be sold by themselves, together or either included with the purchase of the center lot. You have options. The county appraiser has these listed as 33-24-16-0230-00F00-0170 and 33-24-16-0230-00F00-0190 - the list price is 92.9K each.

19. 2025-02-08
    listed $240,000 Active 463-char remark

    Show marketing remark (463 chars)

    Three lots next to each other on a canal. Build your dream home or investment properties. These two properties on either side of the mobile home at 6841 Osprey Ln. (newly and fully remodeled - listed separately as real estate) can be sold by themselves, together or either included with the purchase of the center lot. You have options. The county appraiser has these listed as 33-24-16-0230-00F00-0170 and 33-24-16-0230-00F00-0190 - the list price is 92.9K each.

ⓘ 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: $1,450 · $121/mo
• Projected year-2 tax: $1,450 · $121/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 10/10 Extreme FEMA zone AE · 99% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥114°F today · 23 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: $20,722
• − Mortgage interest: −$8,635
• − Property taxes: −$1,450
• − Insurance: −$5,889
• − Repairs & maintenance: −$1,658
• − Management: −$1,658
• − Depreciation: −$4,484
• Taxable loss: −$3,052
• Est. tax savings @ 24.0%: +$733
• After-tax cash flow: $63/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: Pasco
• NCES district ID: 1201530
• Math proficiency: 50% ▼ -10.00%
• Reading proficiency: 52% ▼ -5.00%
• Median HH income: $45,039
• Composite: 43.14/100
• National rank: #3074
• State rank: #32 of 73 in FL

Livability — Hudson

• Score: 74/100
• State rank: #289
• US rank: #4856

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Hudson, FL
• County: Pasco County · 524,098 people
• City population: 45,307
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 30,689
• Household income: $51,280
• Rent vs Own: 23.0% rent · 77.0% own
• Severe rent burden: 946.0

Population outlook (Pasco County) Hauer SSP2

• Today (2025): 570,045 people
• By 2030: 605,844 · +6.3%
• By 2040: 674,806 · +18.4%
• By 2050: 736,022 · +29.1%
• By 2075: 862,900 · +51.4%
• By 2100: 906,364 · +59.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (86%)
• Race & ethnicity: White 86% Hispanic / Latino 7% Two or more races 6% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 7% · Canada, Jamaica, Vietnam
• Languages at home: 91% English-only · Spanish 5% Other Indo-European 2% French/Haitian/Cajun 0%

Political lean MEDSL · Pasco

• 2024 margin: Strong R (+25.2) · D 36.9% · R 62.1% · Other 1.0%
• 2008→2024 swing: -21.6pp toward R · 2008: -3.6pp · 2024: -25.2pp
• All cycles: 2024: R+25.2 2020: R+20.1 2016: R+21.6 2012: R+6.7 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -183.96%
• Current HPI: 307.5552
• Rent YoY: ▼ -2.26%
• Metro: Tampa-St. Petersburg-Clearwater, 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

-35.8% since first listed

6 events — show timeline

• 2026-04-09 Listed $154,150 Stellar MLS as Distributed by MLS Grid
• 2026-04-02 Price Changed $92,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-12-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-06-11 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-08 Listed $240,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+5.9%/yr

Latest (2025): $1,450 · -16.5% YoY. Source: county tax records.