35170 Danny Dr #159 · Zephyrhills West, FL 33541

$92,000

1 bd · 1.0 ba · 670 sqft · Manufactured · 138 Days on market

Built 1988 2,275 sqft lot Est $87k · 6% over $130/mo HOA · 9% of rent ↓ 10% since listing

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +5.0/15.0
• Schools +4.3/10.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks

This inviting 1 bedroom, 1 bath home offers an open floor plan. The spacious kitchen, living room and dinette are designed for easy living. The built-in breakfront in the dining area offers attractive storage of everyday items. The spacious bedroom has built-in bureaus and closet. The ensuite bath has a tub with shower and a single vanity and plenty of linen storage. Enjoy the added Florida room, ideal for morning coffee or hosting guests. The shed includes laundry facilities with workshop space, providing great functionality and storage. A carport completes the property, making this a comfortable and practical place to call home. This home was constructed with grey water pipe system. Ameri

Key facts

• Laundry facilities
• Workshop space
• Open floor plan

Tags

• OPEN FLOOR PLAN
• BUILT-IN BREAKFRONT
• FLORIDA ROOM
• LAUNDRY FACILITIES
• WORKSHOP SPACE
• HEATED POOL

Property features AI

Finance

• Other: Lease restrictions apply in the community
• Financial info: Total monthly fees listed as $130; total annual fees listed as $1,560
• HOA & community: Has HOA (monthly fee $130); Association requires approval; Association amenities include clubhouse, fitness center, pool, spa/hot tub, sauna, recreation facilities, tennis courts, pickleball and shuffleboard courts, park, laundry, gated community, private roads, street lights, community mailbox, deed restrictions, and vehicle restrictions; Senior community; Pets allowed with limits (max ~20 lbs)

Exterior

• Parking: Carport with 1 space
• Security: Gated community
• Utilities: Public water; Public sewer; Electricity connected; Cable available; Fiber optics available; High-speed internet/BB/HS available; Phone available; Water connected; Sewer connected
• Home design: Manufactured single-wide home; Attached property; One level; East-facing
• Construction: Metal siding; Vinyl siding; Other/roof over; Crawlspace foundation; Built with typical manufactured home materials
• Exterior features: Covered front porch; Rain gutters; Sidewalk; Shed(s); Fishing pier (community water amenity); Paved, private lot in county

Interior

• Kitchen: Range; Range hood; Microwave; Refrigerator; Eat-in kitchen layout
• Bedrooms: 1 bedroom
• Flooring: Laminate flooring; Linoleum flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Kitchen/family room combo; Living room/dining room combo; Open floorplan; Thermostat; Vaulted ceilings; Window treatments; Aluminum window frames; Blinds
• Laundry & utility: Washer; Dryer; Laundry area located outside

What this means for you Summary

Snapshot

• This is a 1-bed/1.0-bath manufactured listed at $92k.

Deal economics

• At list price, monthly cash flow is $392 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $92k).
• Recommended offer: $81k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.4% vs local median 7.8% in Zephyrhills West — 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 61/100 on livability (#772 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: schools D-, amenities F, 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.
• Market conditions: Rents soft (-2.5%/yr); 856 active listings in the ZIP; 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• This rent runs 31% of the median local income ($57k/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 $636 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $26k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 138 days — a 12% lower offer ($81k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $80,960 (12.0% below list)

Questions for the listing agent

1. It's been on market 138 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 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?
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: 1.59% ✓
• Cap rate: 11.40%
• Cash-on-cash: 18.25%
• DSCR: 1.81
• GRM: 5.2

CMA / ARV

• ARV (on-the-fly): $87,100
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
35246 Tiffani Lot 63 Ct	0.11mi	2/1.0 (+1)	687 (+2%)	5mo	$118,000	$172	81
35220 Condominium Blvd #25	0.08mi	2/1.0 (+1)	621 (-7%)	3mo	$90,000	$145	77
35204 Ada Ave	0.18mi	2/1.0 (+1)	710 (+6%)	0mo	$80,000	$113	76
35238 Dodie Dr #09	0.12mi	1/2.0	726 (+8%)	2mo	$79,000	$109	75
35012 Dale Ave	0.22mi	2/2.0 (+1)	732 (+9%)	4mo	$95,000	$130	62
35142 Zephyr Shores Dr	0.16mi	2/2.0 (+1)	720 (+8%)	12mo	$83,000	$115	61

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: 6.1%
• Equity multiple: 1.23×
• Total profit: $5,851
• Equity at exit: $13,717

10-year hold

• IRR: 12.2%
• Equity multiple: 1.82×
• Total profit: $21,043
• Equity at exit: $7,954

Cash invested: $25,760 (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 33541

• Home prices YoY: -15.2%
• Rents YoY: -2.5%
• Active inventory: 856
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,465 medium
• Mortgage (P&I): −$482
• Tax est. 1.5%: −$115 /mo · $1,380/yr
• Insurance: −$38
• HOA: −$130
• Vacancy / Maint / Mgmt: −$308
• Net cashflow: $392

Break-even live

Break-even rent $969

Max offer price $92,000

Occupancy floor 68%

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: $23,000
• Closing costs: $2,760
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $130 · $1,560/yr
• Likely covers: water

Listing history 16 events

1. 2026-06-18
   days on market $92,000 Active 138 DOM
2. 2026-06-17
   days on market $92,000 Active 137 DOM
3. 2026-06-16
   days on market $92,000 Active 136 DOM
4. 2026-06-15
   days on market $92,000 Active 135 DOM
5. 2026-06-13
   days on market $92,000 Active 133 DOM
6. 2026-06-09
   days on market $92,000 Active 129 DOM
7. 2026-06-08
   days on market $92,000 Active 128 DOM
8. 2026-06-07
   days on market $92,000 Active 127 DOM
9. 2026-06-04
   days on market $92,000 Active 124 DOM
10. 2026-06-03
    days on market $92,000 Active 123 DOM
11. 2026-06-02
    days on market $92,000 Active 122 DOM
12. 2026-06-01
    days on market $92,000 Active 121 DOM
13. 2026-05-31
    days on market $92,000 Active 120 DOM
14. 2026-04-16
    price $92,000
15. 2026-02-18
    price $97,000
16. 2026-01-31
    listed $102,000 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 3/10 Moderate FEMA zone X (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 26 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,583
• − Mortgage interest: −$5,153
• − Property taxes: −$1,380
• − Insurance: −$460
• − Repairs & maintenance: −$1,407
• − Management: −$1,407
• − HOA: −$1,560
• − Depreciation: −$2,676
• Taxable income: $3,540
• Est. tax owed @ 24.0%: −$850
• After-tax cash flow: $3,851/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 — Zephyrhills West

• Score: 61/100
• State rank: #772
• US rank: #17403

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Pasco County · 524,098 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 24,654
• Household income: $56,579
• Rent vs Own: 14.0% rent · 86.0% own
• Severe rent burden: 393.0

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 (72%)
• Race & ethnicity: White 72% Hispanic / Latino 15% Two or more races 8% Black 5% Asian 5%
• Hispanic origin (detail): Mexican 4% Puerto Rican 9%
• Common ancestry: Lithuanian 4% Romanian 3% Serbian 3%
• Foreign-born: 9% · Canada, Vietnam
• Languages at home: 85% English-only · Spanish 9% Tagalog/Filipino 1% Other Asian/Pacific 1%

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: ▼ -55.21%
• Current HPI: 308.0619
• Rent YoY: ▼ -2.51%
• 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

-9.8% since first listed

3 events — show timeline

• 2026-04-16 Price Changed $92,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Price Changed $97,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-31 Listed $102,000 Stellar MLS as Distributed by MLS Grid