35170 Danny Dr #159 · Zephyrhills, FL 33541

$92,000

1 bd · 1.0 ba · 670 sqft · Manufactured · 189 Days on market

Manufactured home Built 1988 Fair condition 2,275 sqft lot $137/sqft · 7% below area Est $99k · 7% under $130/mo HOA · 12% of rent ↓ 10% 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 +19.3/30.0
• ARV discount +10.7/15.0
• 1% rule +6.9/10.0
• DSCR +6.1/10.0
• Schools +3.6/10.0
• Livability +3.6/5.0
• Appreciation +2.5/10.0
• Condition / age +2.2/5.0
• Rent growth +1.9/5.0
• Manufactured-home adj. -4.5

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.

Key facts

• Laundry facilities
• Workshop space
• Open floor plan

Tags

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

What this means for you Summary

Snapshot

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

Deal economics

• At list price, monthly cash flow is $101 ($1k/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 7.6% vs local median 4.0% in Zephyrhills — 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 72/100 on livability (#330 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: crime C-, 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.
• Zoned schools: New River Elementary School (math 36% / reading 42%, grade F, #1,560 of 2,144 statewide, top 73%, 721 students, 57% FRL); Raymond B. Stewart Middle School (math 33% / reading 30%, grade F, #453 of 571 statewide, top 81%, 988 students, 77% FRL); Zephyrhills High School (math 35% / reading 37%, grade F, #359 of 667 statewide, top 55%, 1,656 students, 70% FRL) — zoned schools average 68% FRL vs 48% district-wide (19 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 36% at this address vs 51% district-wide (-16 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 (-2.5%/yr); 1141 active listings in the ZIP; 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).

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.

Negotiation context

• It's been on market 189 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 189 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
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. 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: 1.19% ✓
• Cap rate: 7.61%
• Cash-on-cash: 4.69%
• DSCR: 1.21
• GRM: 7.0

CMA / ARV

• ARV (median comp): $99,000
• List price: $92,000
• Delta: -7.07%
• Verdict: FAIR
• Comps: 14 within 1.0 mi

Show comp detail 10 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%)	7mo	$118,000	$172	80
35127 Danny Dr	0.10mi	1/2.0	629 (-6%)	6mo	$75,000	$119	76
35220 Condominium Blvd #25	0.08mi	2/1.0 (+1)	621 (-7%)	4mo	$90,000	$145	76
35204 Ada Ave	0.18mi	2/1.0 (+1)	710 (+6%)	2mo	$80,000	$113	75
35238 Dodie Dr #09	0.12mi	1/2.0	726 (+8%)	4mo	$79,000	$109	73
4612 Clarice Ave	0.32mi	2/1.0 (+1)	700 (+4%)	0mo	$106,000	$151	72
4742 Stuey Dr Lot 305	0.09mi	2/1.0 (+1)	744 (+11%)	6mo	$100,000	$134	68
4845 Baker Ave	0.08mi	1/2.0	768 (+15%)	3mo	$98,000	$128	65
35012 Dale Ave	0.22mi	2/2.0 (+1)	732 (+9%)	6mo	$95,000	$130	61
35142 Zephyr Shores Dr	0.16mi	2/2.0 (+1)	720 (+8%)	14mo	$83,000	$115	60

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: -12.9%
• Equity multiple: 0.55×
• Total profit: $-11,612
• Equity at exit: $13,717

10-year hold

• IRR: -10.6%
• Equity multiple: 0.46×
• Total profit: $-13,883
• 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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 18 active · 5 under contract
• Months of supply: 15.4 mo (6%/mo absorbed)
• Median asking: $96,500 ($142/sqft)
• Median days on market: 154 d
• This list price: 44% of active listings are priced below it
• ARV vs active asking: +4.0% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 33541

• Home prices YoY: -15.2%
• Rents YoY: -2.5%
• Active inventory: 1141
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,097 medium
• Mortgage (P&I): −$482
• Tax est. 1.5%: −$115 /mo · $1,380/yr
• Insurance: −$38
• HOA: −$130
• Lot rent leased land?: −$0
• Vacancy / Maint / Mgmt: −$230
• Net cashflow: $101

Break-even live

Break-even rent $969

Max offer price $92,000

Occupancy floor 86%

Sensitivity live

Price	-10% $164	-5% $132	+0% $101	+5% $69	+10% $37
Rent	-10% $14	-5% $57	+0% $101	+5% $144	+10% $187
Rate	-1.0pp $147	-0.5pp $124	base $101	+0.5pp $77	+1.0pp $53

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
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

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 approvalAssociation 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 restrictionsSenior communityPets allowed with limits (max ~20 lbs)

Exterior

• Parking: Carport with 1 space
• Security: Gated community
• Utilities: Public waterPublic sewerElectricity connectedCable availableFiber optics availableHigh-speed internet/BB/HS availablePhone availableWater connectedSewer connected
• Home design: Manufactured single-wide homeAttached propertyOne levelEast-facing
• Construction: Metal sidingVinyl sidingOther/roof overCrawlspace foundationBuilt with typical manufactured home materials
• Exterior features: Covered front porchRain guttersSidewalkShed(s)Fishing pier (community water amenity)Paved, private lot in county

Interior

• Kitchen: RangeRange hoodMicrowaveRefrigeratorEat-in kitchen layout
• Bedrooms: 1 bedroom
• Flooring: Laminate flooringLinoleum flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Ceiling fansEat-in kitchenKitchen/family room comboLiving room/dining room comboOpen floorplanThermostatVaulted ceilingsWindow treatmentsAluminum window framesBlinds
• Laundry & utility: WasherDryerLaundry area located outside

HOA detail $130/mo · $1,560/yr

• Likely covers: water

Listing history 50 events

1. 2026-08-08
   days on market $92,000 Active 189 DOM
2. 2026-08-06
   days on market $92,000 Active 187 DOM
3. 2026-08-05
   days on market $92,000 Active 186 DOM
4. 2026-08-04
   days on market $92,000 Active 185 DOM
5. 2026-08-03
   days on market $92,000 Active 184 DOM
6. 2026-07-31
   days on market $92,000 Active 181 DOM
7. 2026-07-30
   days on market $92,000 Active 179 DOM
8. 2026-07-28
   days on market $92,000 Active 178 DOM
9. 2026-07-26
   days on market $92,000 Active 176 DOM
10. 2026-07-24
    days on market $92,000 Active 174 DOM
11. 2026-07-23
    days on market $92,000 Active 173 DOM
12. 2026-07-22
    days on market $92,000 Active 172 DOM
13. 2026-07-21
    days on market $92,000 Active 171 DOM
14. 2026-07-20
    days on market $92,000 Active 170 DOM
15. 2026-07-18
    days on market $92,000 Active 167 DOM
16. 2026-07-16
    days on market $92,000 Active 166 DOM
17. 2026-07-15
    days on market $92,000 Active 165 DOM
18. 2026-07-13
    days on market $92,000 Active 163 DOM
19. 2026-07-13
    days on market $92,000 Active 162 DOM
20. 2026-07-11
    days on market $92,000 Active 161 DOM
21. 2026-07-10
    days on market $92,000 Active 160 DOM
22. 2026-07-09
    days on market $92,000 Active 159 DOM
23. 2026-07-07
    days on market $92,000 Active 157 DOM
24. 2026-07-06
    days on market $92,000 Active 156 DOM
25. 2026-07-06
    days on market $92,000 Active 155 DOM
26. 2026-07-05
    days on market $92,000 Active 154 DOM
27. 2026-07-03
    days on market $92,000 Active 153 DOM
28. 2026-07-03
    days on market $92,000 Active 152 DOM
29. 2026-07-01
    days on market $92,000 Active 151 DOM
30. 2026-06-30
    days on market $92,000 Active 150 DOM
31. 2026-06-29
    days on market $92,000 Active 149 DOM
32. 2026-06-28
    days on market $92,000 Active 148 DOM
33. 2026-06-27
    days on market $92,000 Active 147 DOM
34. 2026-06-26
    days on market $92,000 Active 146 DOM
35. 2026-06-24
    days on market $92,000 Active 144 DOM
36. 2026-06-22
    days on market $92,000 Active 142 DOM
37. 2026-06-18
    days on market $92,000 Active 138 DOM
38. 2026-06-17
    days on market $92,000 Active 137 DOM
39. 2026-06-16
    days on market $92,000 Active 136 DOM
40. 2026-06-15
    days on market $92,000 Active 135 DOM
41. 2026-06-13
    days on market $92,000 Active 133 DOM
42. 2026-06-09
    days on market $92,000 Active 129 DOM
43. 2026-06-08
    days on market $92,000 Active 128 DOM
44. 2026-06-07
    days on market $92,000 Active 127 DOM
45. 2026-06-04
    days on market $92,000 Active 124 DOM
46. 2026-06-03
    days on market $92,000 Active 123 DOM
47. 2026-06-02
    days on market $92,000 Active 122 DOM
48. 2026-06-01
    days on market $92,000 Active 121 DOM
49. 2026-05-31
    days on market $92,000 Active 120 DOM
50. 2026-04-16
    price $92,000

ⓘ 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: $13,162
• − Mortgage interest: −$5,153
• − Property taxes: −$1,380
• − Insurance: −$460
• − Repairs & maintenance: −$1,053
• − Management: −$1,053
• − HOA: −$1,560
• − Depreciation: −$2,676
• Taxable loss: −$174
• Est. tax savings @ 24.0%: +$42
• After-tax cash flow: $1,250/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 · 13 photos

Fair 45/100 Cosmetic rehab Est. rehab $3,350–$10,050 screening

This mobile home has fair condition with cosmetic updates needed to enhance its curb appeal and rental value.

Repairs flagged

• Minor Paint — Chipping and faded paint on exterior and interior
• Minor Flooring — Worn hardwood flooring in living areas

Value-add opportunities

• Resale Paint exterior — Fresh paint enhances curb appeal ↑
• Rental Replace worn flooring — New flooring improves comfort and reduces maintenance ↑

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

F Composite school gradezoned avg 36/100

Zoned Schools

Elementary New River Elementary School F FL #1,560/2,144 Nat'l #20,819/41,679 Middle Raymond B. Stewart Middle School F FL #453/571 Nat'l #8,497/14,009 High Zephyrhills High School F FL #359/667 Nat'l #9,405/17,239

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

B Composite livability gradescore 72/100

Livability — Zephyrhills

• Score: 72/100
• State rank: #330
• US rank: #5760

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Pasco County · 570,045 people
• City population: 48,266
• 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: 24% of renters

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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%

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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%

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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

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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

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 approvalAssociation 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 restrictionsSenior communityPets allowed with limits (max ~20 lbs)

Exterior

• Parking: Carport with 1 space
• Security: Gated community
• Utilities: Public waterPublic sewerElectricity connectedCable availableFiber optics availableHigh-speed internet/BB/HS availablePhone availableWater connectedSewer connected
• Home design: Manufactured single-wide homeAttached propertyOne levelEast-facing
• Construction: Metal sidingVinyl sidingOther/roof overCrawlspace foundationBuilt with typical manufactured home materials
• Exterior features: Covered front porchRain guttersSidewalkShed(s)Fishing pier (community water amenity)Paved, private lot in county

Interior

• Kitchen: RangeRange hoodMicrowaveRefrigeratorEat-in kitchen layout
• Bedrooms: 1 bedroom
• Flooring: Laminate flooringLinoleum flooring
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Ceiling fansEat-in kitchenKitchen/family room comboLiving room/dining room comboOpen floorplanThermostatVaulted ceilingsWindow treatmentsAluminum window framesBlinds
• Laundry & utility: WasherDryerLaundry area located outside

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