95 N North Warner Dr · Jensen Beach, FL 34957

$120,000

2 bd · 2.0 ba · 1,250 sqft · Manufactured · 271 Days on market

Built 1978 Good condition $96/sqft · 71% above area $805/mo HOA · 34% of rent ↓ 13% since listing

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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 +23.1/30.0
• 1% rule +10.0/10.0
• ARV discount +7.5/15.0
• DSCR +7.4/10.0
• Schools +4.5/10.0
• Condition / age +4.0/5.0
• Livability +3.5/5.0
• Rent growth +2.8/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Discover the charm of 95 N Warner Drive, a beautifully renovated manufactured home in the heart of Jensen Beach, FL. This move-in-ready gem features elegant furnishings, updated finishes, and a spacious layout designed for easy, relaxed living. The many upgrades include 2023 A/C with a 10-year warranty, newer roof (only 4 years old), stainless steel appliances, and a new vapor barrier. Irrigation system runs on well water, keeping utility costs low. This home offers the perfect blend of comfort and convenience for retirees or anyone seeking a peaceful coastal lifestyle. Affordable lot rent of just $805/month, including cable, trash, recycling, and full access to clubhouse amenities.

Key facts

• 2023 a/c
• Newer roof
• New vapor barrier

Tags

• TURNKEY
• FULLY FURNISHED
• 2023 A/C
• NEWER ROOF
• STAINLESS STEEL APPLIANCES
• NEW VAPOR BARRIER

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $120k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $215 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $120k).
• Recommended offer: $106k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.4% vs local median 4.1% in Jensen Beach — 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 (#432 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, cost of living B+; Watch: amenities F, commute F, health & safety D-.
• Martin (suburban): math 52% / reading 53% proficiency, ranked #24 of 73 in FL (top 33%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents rising (+1.0%/yr); 536 active listings in the ZIP; 32 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 737 units permitted in Martin County in 2024 (167 in 5+ unit buildings).
• This rent runs 40% of the median local income ($70k/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 $830 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
• Martin County population projected at +19% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 271 days — a 12% lower offer ($106k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts; this cycle's ask has dropped $12k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 34% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $105,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 271 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1978 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. Schools are B-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?
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: 1.95% ✓
• Cap rate: 8.44%
• Cash-on-cash: 7.68%
• DSCR: 1.34
• GRM: 4.3

CMA / ARV

• ARV (median comp): $70,000
• List price: $120,000
• Delta: 71.43%
• Verdict: OVERPRICED
• Comps: 11 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4 N North Warner Dr	0.03mi	2/2.0	1,152 (-8%)	1mo	$62,500	$54	84
151 Sharyon Ln	0.06mi	2/2.0	1,152 (-8%)	4mo	$89,000	$77	81
75 S Warner Dr	0.05mi	2/2.0	1,200 (-4%)	14mo	$49,900	$42	80
94 N North Warner Dr	0.01mi	2/2.0	1,404 (+12%)	2mo	$200,000	$142	77
66 NE Pinelake Village Blvd	0.07mi	2/2.0	1,376 (+10%)	4mo	$70,000	$51	76
85 S Warner Dr	0.05mi	2/2.0	1,392 (+11%)	10mo	$58,000	$42	70
309 NE Pinelake Village Blvd	0.30mi	2/2.0	1,100 (-12%)	0mo	$95,000	$86	66
434 NE Topaz Ter	0.38mi	2/2.0	1,152 (-8%)	6mo	$50,000	$43	64
452 NE Pinelake Village Blvd	0.45mi	2/2.0	1,344 (+8%)	4mo	$55,500	$41	63
300 NE Opal Dr	0.33mi	2/2.0	1,080 (-14%)	9mo	$79,000	$73	55

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 · 1.0% rent growth · sell at horizon

5-year hold

• IRR: -8.2%
• Equity multiple: 0.71×
• Total profit: $-9,840
• Equity at exit: $17,892

10-year hold

• IRR: -3.7%
• Equity multiple: 0.79×
• Total profit: $-6,989
• Equity at exit: $10,375

Cash invested: $33,600 (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 34957

• Rents YoY: 1.0%
• Active inventory: 536
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $2,341 high
• Mortgage (P&I): −$629
• Tax est. 1.5%: −$150 /mo · $1,800/yr
• Insurance: −$50
• HOA: −$805
• Vacancy / Maint / Mgmt: −$492
• Net cashflow: $215

Break-even live

Break-even rent $2,069

Max offer price $120,000

Occupancy floor 86%

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: $30,000
• Closing costs: $3,600
• Reserves months: —
• Total cash needed: —

Rent comps 32 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1999 NE Collins Cir Unit 3-80 Jensen Beach, FL	2.0	2.0	1067	$1,775	$1.66	23d	1	0.21mi
2013 NE Collins Cir #50 Jensen Beach, FL	2.0	2.0	903	$1,800	$1.99	13d	1	0.26mi
1971 NE Collins Cir #20 Jensen Beach, FL	2.0	2.0	1037	$1,750	$1.69	23d	1	0.26mi
1585 NE Beacon Dr #1103 Jensen Beach, FL	2.0	2.0	961	$1,495	$1.56	23d	1	0.48mi
1617 NE Nautical Pl Jensen Beach, FL	2.0	2.0	961	$1,850	$1.93	13d	1	0.53mi
2831 NE Savannah Rd Jensen Beach, FL	3.0	2.0	1248	$3,000	$2.40	23d	1	0.59mi
1411 NE 14th Ct #13 Jensen Beach, FL	2.0	2.0	1100	$3,000	$2.73	23d	1	0.59mi
2952 NE Savannah Rd Jensen Beach, FL	3.0	2.0	1056	$3,000	$2.84	23d	1	0.70mi
1550 NE 13th Ter Unit B16 Jensen Beach, FL	2.0	2.0	1272	$1,800	$1.42	23d	1	0.71mi
2563 NE Palm Ave Jensen Beach, FL	2.0	2.0	950	$2,400	$2.53	23d	1	0.76mi
1600 NE Dixie Hwy Unit 10-203 Jensen Beach, FL	2.0	2.0	1072	$2,300	$2.15	23d	1	0.77mi
1366 NE Hilltop St Jensen Beach, FL	2.0	2.0	1596	$2,700	$1.69	23d	1	0.79mi
590 NE Lima Vias Jensen Beach, FL	2.0	2.0	1295	$3,300	$2.55	23d	1	0.79mi
3111 NE Savannah Rd Jensen Beach, FL	2.0	1.0	1085	$1,995	$1.84	13d	1	0.79mi
3121 NE Savannah Rd Unit 3121 Jensen Beach, FL	3.0	1.0	1085	$2,095	$1.93	23d	1	0.81mi
3123 NE Savannah Rd Unit 3123 Jensen Beach, FL	3.0	2.0	1100	$2,195	$2.00	23d	1	0.82mi
1001 NE Baker Rd Stuart, FL	1.0–3.0	1.0–2.0	952	$2,280	$2.40	13d	27	0.91mi
2506 NE Heron's Walk Jensen Beach, FL	2.0	1.0	1000	$2,400	$2.40	23d	1	0.95mi
297 NE Coastal DR #297 Jensen Beach, FL	2.0	2.0	1000	$3,000	$3.00	23d	1	0.96mi
2646 NE Pelican Way Jensen Beach, FL	1.0	1.0	1000	$2,400	$2.40	23d	1	0.97mi
2632 NE Pelican Way Jensen Beach, FL	2.0	1.0	1000	$4,800	$4.80	23d	1	0.97mi
1097 NE Kubin Ave Jensen Beach, FL	2.0	1.5	952	$2,450	$2.57	23d	1	0.99mi
3393 NE Sandra Dr Jensen Beach, FL	3.0	3.0	1547	$2,700	$1.75	23d	1	1.05mi
257 Preserve Trl N Stuart, FL	3.0	2.5	1652	$2,700	$1.63	23d	1	1.07mi
3450 NE Linda Dr Jensen Beach, FL	2.0	1.0	1240	$2,500	$2.02	23d	1	1.08mi
1903 NE Media Ave Jensen Beach, FL	2.0	2.0	1324	$2,400	$1.81	23d	1	1.08mi
3489 NE Linda Dr Jensen Beach, FL	3.0	2.0	1572	$3,150	$2.00	23d	1	1.11mi
25 NE 17th St Stuart, FL	3.0	2.0	990	$2,000	$2.02	23d	1	1.19mi
1315 NE Flora Pl Jensen Beach, FL	3.0	2.0	1400	$3,000	$2.14	23d	1	1.24mi
3663 NE Barbara Dr Jensen Beach, FL	2.0	1.0	991	$2,450	$2.47	23d	1	1.27mi
64 NE Acacia Trl Jensen Beach, FL	2.0	2.0	1000	$3,000	$3.00	23d	1	1.33mi
1398 NW Cavendish Ct Stuart, FL	2.0–3.0	2.5	1242	$2,393	$1.93	21d	11	1.40mi

HOA detail

• Monthly dues: $805 · $9,660/yr
• Likely covers: watertrashcable

Listing history 27 events

1. 2026-06-18
   days on market $120,000 Active 271 DOM
2. 2026-06-17
   days on market $120,000 Active 270 DOM
3. 2026-06-16
   days on market $120,000 Active 269 DOM
4. 2026-06-15
   days on market $120,000 Active 268 DOM
5. 2026-06-14
   days on market $120,000 Active 266 DOM
6. 2026-06-13
   days on market $120,000 Active 265 DOM
7. 2026-06-10
   days on market $120,000 Active 263 DOM
8. 2026-06-09
   days on market $120,000 Active 262 DOM
9. 2026-06-08
   days on market $120,000 Active 261 DOM
10. 2026-06-07
    days on market $120,000 Active 260 DOM
11. 2026-06-03
    days on market $120,000 Active 256 DOM
12. 2026-06-02
    days on market $120,000 Active 255 DOM
13. 2026-06-01
    days on market $120,000 Active 254 DOM
14. 2026-05-31
    days on market $120,000 Active 253 DOM
15. 2026-05-31
    days on market $120,000 Active 252 DOM
16. 2026-02-03
    status Active 692-char remark

    Show marketing remark (692 chars)

    Discover the charm of 95 N Warner Drive, a beautifully renovated manufactured home in the heart of Jensen Beach, FL. This move-in-ready gem features elegant furnishings, updated finishes, and a spacious layout designed for easy, relaxed living. The many upgrades include 2023 A/C with a 10-year warranty, newer roof (only 4 years old), stainless steel appliances, and a new vapor barrier. Irrigation system runs on well water, keeping utility costs low. This home offers the perfect blend of comfort and convenience for retirees or anyone seeking a peaceful coastal lifestyle. Affordable lot rent of just $805/month, including cable, trash, recycling, and full access to clubhouse amenities.

17. 2026-02-01
    historical 692-char remark

    Show marketing remark (692 chars)

    Discover the charm of 95 N Warner Drive, a beautifully renovated manufactured home in the heart of Jensen Beach, FL. This move-in-ready gem features elegant furnishings, updated finishes, and a spacious layout designed for easy, relaxed living. The many upgrades include 2023 A/C with a 10-year warranty, newer roof (only 4 years old), stainless steel appliances, and a new vapor barrier. Irrigation system runs on well water, keeping utility costs low. This home offers the perfect blend of comfort and convenience for retirees or anyone seeking a peaceful coastal lifestyle. Affordable lot rent of just $805/month, including cable, trash, recycling, and full access to clubhouse amenities.

18. 2025-10-28
    price $120,000 692-char remark

    Show marketing remark (692 chars)

    Discover the charm of 95 N Warner Drive, a beautifully renovated manufactured home in the heart of Jensen Beach, FL. This move-in-ready gem features elegant furnishings, updated finishes, and a spacious layout designed for easy, relaxed living. The many upgrades include 2023 A/C with a 10-year warranty, newer roof (only 4 years old), stainless steel appliances, and a new vapor barrier. Irrigation system runs on well water, keeping utility costs low. This home offers the perfect blend of comfort and convenience for retirees or anyone seeking a peaceful coastal lifestyle. Affordable lot rent of just $805/month, including cable, trash, recycling, and full access to clubhouse amenities.

19. 2025-09-18
    listed $132,000 Active 692-char remark

    Show marketing remark (692 chars)

    Discover the charm of 95 N Warner Drive, a beautifully renovated manufactured home in the heart of Jensen Beach, FL. This move-in-ready gem features elegant furnishings, updated finishes, and a spacious layout designed for easy, relaxed living. The many upgrades include 2023 A/C with a 10-year warranty, newer roof (only 4 years old), stainless steel appliances, and a new vapor barrier. Irrigation system runs on well water, keeping utility costs low. This home offers the perfect blend of comfort and convenience for retirees or anyone seeking a peaceful coastal lifestyle. Affordable lot rent of just $805/month, including cable, trash, recycling, and full access to clubhouse amenities.

20. 2025-09-03
    historical
21. 2025-06-16
    status Active
22. 2025-06-03
    historical
23. 2025-05-29
    price $132,000
24. 2025-03-11
    price $136,000
25. 2025-02-04
    status Active
26. 2025-02-04
    historical Active Under Contract
27. 2025-01-03
    listed $138,000 Active

ⓘ 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 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥106°F today · 24 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: $28,091
• − Mortgage interest: −$6,722
• − Property taxes: −$1,800
• − Insurance: −$600
• − Repairs & maintenance: −$2,247
• − Management: −$2,247
• − HOA: −$9,660
• − Depreciation: −$3,491
• Taxable income: $1,323
• Est. tax owed @ 24.0%: −$318
• After-tax cash flow: $2,262/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 · 12 photos

Good 80/100 Cosmetic rehab

This move-in-ready manufactured home in Jensen Beach, FL, features updated finishes, a new roof, and a spacious layout, making it an ideal choice for retirees or anyone seeking a peaceful coastal lifestyle.

Value-add opportunities

• Both landscaping — enhances curb appeal and adds value
• Both HVAC system — new A/C with a 10-year warranty

Renovation cost estimate screening

Value-add ROI direction

• Both landscaping — enhances curb appeal and adds value ↑
• Both HVAC system — new A/C with a 10-year warranty ↑

ⓘ 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: Martin
• NCES district ID: 1201290
• Math proficiency: 52% ▼ -14.00%
• Reading proficiency: 53% ▼ -4.00%
• Median HH income: $52,482
• Composite: 45.1/100
• National rank: #2690
• State rank: #24 of 73 in FL

Livability — Jensen Beach

• Score: 70/100
• State rank: #432
• US rank: #7719

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Jensen Beach, FL
• County: Martin County · 165,223 people
• City population: 23,462
• Metro: Port St. Lucie, FL
• Population (ZIP): 23,462
• Household income: $70,403
• Rent vs Own: 23.8% rent · 76.2% own
• Severe rent burden: 946.0

Population outlook (Martin County) Hauer SSP2

• Today (2025): 172,383 people
• By 2030: 180,192 · +4.5%
• By 2040: 194,114 · +12.6%
• By 2050: 204,992 · +18.9%
• By 2075: 229,641 · +33.2%
• By 2100: 232,146 · +34.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (85%)
• Race & ethnicity: White 85% Hispanic / Latino 7% Two or more races 6% Asian 2% Black 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 4% Slovak 3% Lithuanian 3%
• Foreign-born: 10% · Canada, Jamaica
• Languages at home: 90% English-only · Spanish 5% Other Indo-European 2% Tagalog/Filipino 1%

Political lean MEDSL · Martin

• 2024 margin: Solid R (+31.1) · D 34.1% · R 65.2%
• 2008→2024 swing: -17.5pp toward R · 2008: -13.6pp · 2024: -31.1pp
• All cycles: 2024: R+31.1 2020: R+24.6 2016: R+26.9 2012: R+22.9 2008: R+13.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -319.66%
• Current HPI: 340.0172
• Rent YoY: ▲ 1.00%
• Metro: Port St. Lucie, 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

-13.0% since first listed

12 events — show timeline

• 2026-02-03 Relisted — Beaches MLS
• 2026-02-01 Listing Removed — Beaches MLS
• 2025-10-28 Price Changed $120,000 Beaches MLS
• 2025-09-18 Listed $132,000 Beaches MLS
• 2025-09-03 Listing Removed — Beaches MLS
• 2025-06-16 Relisted — Beaches MLS
• 2025-06-03 Listing Removed — Beaches MLS
• 2025-05-29 Price Changed $132,000 Beaches MLS
• 2025-03-11 Price Changed $136,000 Beaches MLS
• 2025-02-04 Relisted — Beaches MLS
• 2025-02-04 Contingent — Beaches MLS
• 2025-01-03 Listed $138,000 Beaches MLS