7513 W Dunklin St · Pine Ridge, FL 34433

$235,000

3 bd · 2.0 ba · 1,475 sqft · Manufactured · 136 Days on market

Built 2025 0.67 ac lot ↓ 4% since listing

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Why this score? — see what drove the D 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 +12.3/30.0
• ARV discount +7.5/15.0
• Schools +4.1/10.0
• DSCR +3.6/10.0
• 1% rule +3.5/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +1.8/10.0

Listing remarks MLS

Check out this 3 Bedroom, 2 Bath home on a 0.72-acre lot. With a open-concept living area enjoy entertaining your family/guests. Lots of cabinetry for storage including the coffee bar. This is a completly new 2025 build with septic, well, electric, HVAC, stainless appliances and more nothing to do but unpack. Primary bedroom has large walk-in closet, dual vanities, and oversized shower. Two additional generously sized bedrooms plus a convenient indoor laundry room. Thinking of room for a pool, workshop, and or your animals you found it. Come see what the Nature Coast has to offer being just minutes to shopping, dining, doctor offices and the Suncoast Parkway. Call today.

Key facts

• Lots of cabinetry
• New build
• Dual vanities

Tags

• OPEN-CONCEPT LIVING AREA
• LOTS OF CABINETRY
• COFFEE BAR
• NEW BUILD
• WALK-IN CLOSET
• DUAL VANITIES

Property features AI

Finance

• Other: Home warranty included
• HOA & community: No HOA

Exterior

• Utilities: Well water; Septic tank; Electricity connected; One well and one septic on property
• Home design: Manufactured double-wide home; One level; Southeast facing; Completed condition
• Construction: Vinyl siding; Shingle roof; Pillar/post/pier foundation; New construction
• Exterior features: Paved road access; Approximately 0.72-acre lot (about 1/2 to less than 1 acre)

Interior

• Kitchen: Convection oven; Dishwasher; Range hood; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Linoleum
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Kitchen and family room combo; 7 total rooms
• Laundry & utility: Dedicated laundry room; Electric water heater

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $235k.

Deal economics

• At list price, monthly cash flow is $-45 ($-537/yr) — negative.
• To cash-flow at today's rent, offer at most $229k (2.8% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $200k (14.9% below list).
• Recommended offer: $200k (14.9% below list) — sets the bar for 1% rule.
• Cap rate 6.1% vs local median 3.4% in Pine Ridge — 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 67/100 on livability (#565 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, cost of living A-; Watch: health & safety C-, amenities F, commute F.
• Citrus (rural): math 49% / reading 50% proficiency, ranked #44 of 73 in FL (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Citrus Springs Elementary School (math 52% / reading 48%, grade D+, #1,070 of 2,144 statewide, top 51%, 817 students, 71% FRL); Crystal River Middle School (math 49% / reading 47%, grade C-, #286 of 571 statewide, top 50%, 900 students, 64% FRL); Crystal River High School (math 31% / reading 44%, grade F, #336 of 667 statewide, top 51%, 1,249 students, 56% FRL).
• Market conditions: 653 active listings in the ZIP; 2,443 units permitted in Citrus County in 2024 (0 in 5+ unit buildings).

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.
• Citrus County population projected to shrink 10% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 136 days — a 12% lower offer ($207k) is reasonable based on typical stale-listing flexibility.
• 2 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.

Recommended offer $199,910 (14.9% 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 136 days. Have you received any prior offers? Is the seller open to a 15% concession, seller financing, or rate buy-down credit?
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 F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
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: 0.85% ✗
• Cap rate: 6.06%
• Cash-on-cash: -0.82%
• DSCR: 0.96
• GRM: 9.8

CMA / ARV

• ARV (on-the-fly): $147,500
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8033 N Mary Ter	0.34mi	3/2.0	1,432 (-3%)	5mo	$145,000	$101	76
8385 N Shady Fork Way	0.48mi	3/2.0	1,512 (+2%)	8mo	$151,000	$100	67
8645 N Ural Pt	0.64mi	3/2.0	1,344 (-9%)	2mo	$238,500	$177	53
8445 N Cedar Elm Way	0.54mi	2/2.0 (-1)	1,344 (-9%)	11mo	$125,000	$93	46
7925 W Fostoria Dr	0.63mi	3/2.0	1,648 (+12%)	18mo	$160,000	$97	36

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -17.6%
• Equity multiple: 0.38×
• Total profit: $-40,900
• Equity at exit: $35,039

10-year hold

• IRR: -9.7%
• Equity multiple: 0.40×
• Total profit: $-39,162
• Equity at exit: $20,319

Cash invested: $65,800 (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 34433

• Home prices YoY: -1.8%
• Active inventory: 653
• Price-to-rent: 9.8×

Monthly cashflow live

• Estimated rent: $1,999 medium
• Mortgage (P&I): −$1,232
• Tax est. 1.5%: −$294 /mo · $3,525/yr
• Insurance: −$98
• HOA: −$0
• Vacancy / Maint / Mgmt: −$420
• Net cashflow: $-45

Break-even live

Break-even rent $2,056

Max offer price $228,526

Occupancy floor 97%

Sensitivity live

Price	-10% $118	-5% $36	+0% $-45	+5% $-126	+10% $-207
Rent	-10% $-203	-5% $-124	+0% $-45	+5% $34	+10% $113
Rate	-1.0pp $74	-0.5pp $15	base $-45	+0.5pp $-106	+1.0pp $-168

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: $58,750
• Closing costs: $7,050
• Reserves months: —
• Total cash needed: —

Listing history 25 events

1. 2026-06-21
   days on market $235,000 Active 136 DOM
2. 2026-06-19
   days on market $235,000 Active 134 DOM
3. 2026-06-18
   days on market $235,000 Active 133 DOM
4. 2026-06-17
   days on market $235,000 Active 132 DOM
5. 2026-06-16
   days on market $235,000 Active 131 DOM
6. 2026-06-15
   days on market $235,000 Active 130 DOM
7. 2026-06-14
   days on market $235,000 Active 128 DOM
8. 2026-06-13
   days on market $235,000 Active 127 DOM
9. 2026-06-09
   days on market $235,000 Active 124 DOM
10. 2026-06-09
    remarks 699-char remark
11. 2026-06-08
    days on market $235,000 Active 123 DOM
12. 2026-06-03
    days on market $235,000 Active 118 DOM
13. 2026-06-02
    days on market $235,000 Active 117 DOM
14. 2026-06-01
    days on market $235,000 Active 116 DOM
15. 2026-05-31
    days on market $235,000 Active 115 DOM
16. 2026-05-30
    days on market $235,000 Active 114 DOM
17. 2026-05-04
    price $235,000 680-char remark

    Show marketing remark (680 chars)

    Check out this 3 Bedroom, 2 Bath home on a 0.72-acre lot. With a open-concept living area enjoy entertaining your family/guests. Lots of cabinetry for storage including the coffee bar. This is a completly new 2025 build with septic, well, electric, HVAC, stainless appliances and more nothing to do but unpack. Primary bedroom has large walk-in closet, dual vanities, and oversized shower. Two additional generously sized bedrooms plus a convenient indoor laundry room. Thinking of room for a pool, workshop, and or your animals you found it. Come see what the Nature Coast has to offer being just minutes to shopping, dining, doctor offices and the Suncoast Parkway. Call today.

18. 2026-05-04
    price $235,000

    Show marketing remark (680 chars)

    Check out this 3 Bedroom, 2 Bath home on a 0.72-acre lot. With a open-concept living area enjoy entertaining your family/guests. Lots of cabinetry for storage including the coffee bar. This is a completly new 2025 build with septic, well, electric, HVAC, stainless appliances and more nothing to do but unpack. Primary bedroom has large walk-in closet, dual vanities, and oversized shower. Two additional generously sized bedrooms plus a convenient indoor laundry room. Thinking of room for a pool, workshop, and or your animals you found it. Come see what the Nature Coast has to offer being just minutes to shopping, dining, doctor offices and the Suncoast Parkway. Call today.

19. 2026-04-15
    price $242,999 680-char remark

    Show marketing remark (680 chars)

    Check out this 3 Bedroom, 2 Bath home on a 0.72-acre lot. With a open-concept living area enjoy entertaining your family/guests. Lots of cabinetry for storage including the coffee bar. This is a completly new 2025 build with septic, well, electric, HVAC, stainless appliances and more nothing to do but unpack. Primary bedroom has large walk-in closet, dual vanities, and oversized shower. Two additional generously sized bedrooms plus a convenient indoor laundry room. Thinking of room for a pool, workshop, and or your animals you found it. Come see what the Nature Coast has to offer being just minutes to shopping, dining, doctor offices and the Suncoast Parkway. Call today.

20. 2026-04-15
    price $242,999

    Show marketing remark (680 chars)

    Check out this 3 Bedroom, 2 Bath home on a 0.72-acre lot. With a open-concept living area enjoy entertaining your family/guests. Lots of cabinetry for storage including the coffee bar. This is a completly new 2025 build with septic, well, electric, HVAC, stainless appliances and more nothing to do but unpack. Primary bedroom has large walk-in closet, dual vanities, and oversized shower. Two additional generously sized bedrooms plus a convenient indoor laundry room. Thinking of room for a pool, workshop, and or your animals you found it. Come see what the Nature Coast has to offer being just minutes to shopping, dining, doctor offices and the Suncoast Parkway. Call today.

21. 2026-04-07
    price $243,499 680-char remark

    Show marketing remark (680 chars)

    Check out this 3 Bedroom, 2 Bath home on a 0.72-acre lot. With a open-concept living area enjoy entertaining your family/guests. Lots of cabinetry for storage including the coffee bar. This is a completly new 2025 build with septic, well, electric, HVAC, stainless appliances and more nothing to do but unpack. Primary bedroom has large walk-in closet, dual vanities, and oversized shower. Two additional generously sized bedrooms plus a convenient indoor laundry room. Thinking of room for a pool, workshop, and or your animals you found it. Come see what the Nature Coast has to offer being just minutes to shopping, dining, doctor offices and the Suncoast Parkway. Call today.

22. 2026-04-07
    price $243,499

    Show marketing remark (680 chars)

    Check out this 3 Bedroom, 2 Bath home on a 0.72-acre lot. With a open-concept living area enjoy entertaining your family/guests. Lots of cabinetry for storage including the coffee bar. This is a completly new 2025 build with septic, well, electric, HVAC, stainless appliances and more nothing to do but unpack. Primary bedroom has large walk-in closet, dual vanities, and oversized shower. Two additional generously sized bedrooms plus a convenient indoor laundry room. Thinking of room for a pool, workshop, and or your animals you found it. Come see what the Nature Coast has to offer being just minutes to shopping, dining, doctor offices and the Suncoast Parkway. Call today.

23. 2026-02-05
    listed $244,499 Active
24. 2026-01-16
    price $244,499 680-char remark

    Show marketing remark (680 chars)

    Check out this 3 Bedroom, 2 Bath home on a 0.72-acre lot. With a open-concept living area enjoy entertaining your family/guests. Lots of cabinetry for storage including the coffee bar. This is a completly new 2025 build with septic, well, electric, HVAC, stainless appliances and more nothing to do but unpack. Primary bedroom has large walk-in closet, dual vanities, and oversized shower. Two additional generously sized bedrooms plus a convenient indoor laundry room. Thinking of room for a pool, workshop, and or your animals you found it. Come see what the Nature Coast has to offer being just minutes to shopping, dining, doctor offices and the Suncoast Parkway. Call today.

25. 2025-12-09
    listed $244,999 Active 680-char remark

    Show marketing remark (680 chars)

    Check out this 3 Bedroom, 2 Bath home on a 0.72-acre lot. With a open-concept living area enjoy entertaining your family/guests. Lots of cabinetry for storage including the coffee bar. This is a completly new 2025 build with septic, well, electric, HVAC, stainless appliances and more nothing to do but unpack. Primary bedroom has large walk-in closet, dual vanities, and oversized shower. Two additional generously sized bedrooms plus a convenient indoor laundry room. Thinking of room for a pool, workshop, and or your animals you found it. Come see what the Nature Coast has to offer being just minutes to shopping, dining, doctor offices and the Suncoast Parkway. Call today.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $23,989
• − Mortgage interest: −$13,164
• − Property taxes: −$3,525
• − Insurance: −$1,175
• − Repairs & maintenance: −$1,919
• − Management: −$1,919
• − Depreciation: −$6,836
• Taxable loss: −$4,549
• Est. tax savings @ 24.0%: +$1,092
• After-tax cash flow: $555/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: Citrus
• NCES district ID: 1200270
• Math proficiency: 49% ▼ -10.00%
• Reading proficiency: 50% ▼ -6.00%
• Median HH income: $38,618
• Composite: 41.28/100
• National rank: #3519
• State rank: #44 of 73 in FL

Livability — Pine Ridge

• Score: 67/100
• State rank: #565
• US rank: #10798

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 18,514
• Population (ZIP): 8,218

Population outlook (Citrus County) Hauer SSP2

• Today (2025): 138,622 people
• By 2030: 136,886 · -1.3%
• By 2040: 132,009 · -4.8%
• By 2050: 125,196 · -9.7%
• By 2075: 108,570 · -21.7%
• By 2100: 84,454 · -39.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Hispanic / Latino 13% Two or more races 13%
• Hispanic origin (detail): Puerto Rican 6% Cuban 1%
• Common ancestry: Italian 2% Romanian 2% Lithuanian 1%
• Foreign-born: 9% · Canada
• Languages at home: 90% English-only · Spanish 9% Other Indo-European 1%

Political lean MEDSL · Citrus

• 2024 margin: Solid R (+45.9) · D 26.8% · R 72.6%
• 2008→2024 swing: -29.8pp toward R · 2008: -16.1pp · 2024: -45.9pp
• All cycles: 2024: R+45.9 2020: R+41.0 2016: R+39.7 2012: R+21.9 2008: R+16.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -6.35%
• Current HPI: 340.9844
• Rent YoY: —
• Metro: —
• 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

-4.1% since first listed

9 events — show timeline

• 2026-05-04 Price Changed $235,000 RACC
• 2026-05-04 Price Changed $235,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-15 Price Changed $242,999 RACC
• 2026-04-15 Price Changed $242,999 Stellar MLS as Distributed by MLS Grid
• 2026-04-07 Price Changed $243,499 RACC
• 2026-04-07 Price Changed $243,499 Stellar MLS as Distributed by MLS Grid
• 2026-02-05 Listed $244,499 Stellar MLS as Distributed by MLS Grid
• 2026-01-16 Price Changed $244,499 RACC
• 2025-12-09 Listed $244,999 RACC