5248 Island View Cir S · Polk City, FL 33868

$160,000

2 bd · 2.0 ba · 1,277 sqft · Manufactured public records · 98 Days on market

Built 1998 5,915 sqft lot $99/mo HOA · 6% of rent

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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 +20.1/30.0
• ARV discount +7.5/15.0
• DSCR +6.4/10.0
• 1% rule +5.4/10.0
• Schools +3.5/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Buyer backed out of contract so this wonderful home is back on the market and is move in and turn key ready!! This home is move in ready and comes furnished! Seller offering buyer a one year home warranty at closing. All furnishing in the home are included except sellers personal items/knick knacks: TV cabinet in family room: TV's: and wood table and chairs in the dining room. This is a Jocobson Manufacture home located in the highly sought after community of Mt. Olive Shores, a Class A Motor coach community. Special design Pella windows added in 2010 with life time warranty. Spacious "L" shaped kitchen with corner widow, ample storage and new Kohler double sink. Two dining room options in this home that was designed to increase usable space and functionality. Very large master bedroom with two mirrored closet doors. Master bath with Jacuzzi tub, walk in shower, and California water closet. Inside laundry room with built in cabinets. 30 year roof installed. 2014; side extension of concrete was laid on the right for access to workshop. Owner is a master craftsman and has designed the two story workshop and storage to define space for tools. Beautiful new carpet throughout. Just minutes from I-4 - located between Orlando and Tampa. This is a quiet and private gated community of fellow motor coacher's with beautiful fresh water canals and wild life. You must own or rent for the first year of a Class A Motor Coach to purchase in this community.

Key facts

• Gated rv community
• 5,915 sq ft lot
• Parking

Tags

• GATED RV COMMUNITY
• LOW MAINTENANCE LIFESTYLE
• PARK YOUR CLASS A MOTORHOME

Property features AI

Finance

• Financial info: Lease restrictions apply
• HOA & community: HOA required (EnProVera, LLC) — $99/month ($1,188 annually); Pets allowed

Exterior

• Parking: RV access/parking; Carport (1 space)
• Utilities: Public water; Public sewer; Cable available and connected; Broadband/high-speed internet available; Electricity available
• Home design: Residential manufactured home; Double wide; One story; South-facing entry
• Construction: Metal siding; Metal and shingle roof; Slab foundation; Built as a double wide manufactured home
• Exterior features: Screened side porch; Exterior lighting; Rain gutters; Finished RV port; Asphalt road access

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Elevator
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $160k.

Deal economics

• At list price, monthly cash flow is $198 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $160k).
• Recommended offer: $146k (9.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 68/100 on livability (#501 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools D, amenities F, commute F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 422 active listings in the ZIP; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).

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.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 98 days — a 9% lower offer ($146k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 22y ago; this cycle's ask has dropped $15k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $130k; 23% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $145,600 (9.0% below list)

Questions for the listing agent

1. It's been on market 98 days. Have you received any prior offers? Is the seller open to a 9% 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: 1.04% ✓
• Cap rate: 7.78%
• Cash-on-cash: 5.31%
• DSCR: 1.24
• GRM: 8.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -8.0%
• Equity multiple: 0.70×
• Total profit: $-13,258
• Equity at exit: $23,857

10-year hold

• IRR: 1.5%
• Equity multiple: 1.11×
• Total profit: $4,863
• Equity at exit: $13,834

Cash invested: $44,800 (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 33868

• Home prices YoY: -9.3%
• Active inventory: 422
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,669 medium
• Mortgage (P&I): −$839
• Tax from tax record: −$115 /mo · $1,382/yr
• Insurance: −$67
• HOA: −$99
• Vacancy / Maint / Mgmt: −$350
• Net cashflow: $198

Break-even live

Break-even rent $1,418

Max offer price $160,000

Occupancy floor 83%

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: $40,000
• Closing costs: $4,800
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $99 · $1,188/yr
• Likely covers: watersecurity

Listing history 34 events

1. 2026-06-18
   days on market $160,000 Active 98 DOM
2. 2026-06-17
   days on market $160,000 Active 97 DOM
3. 2026-06-16
   days on market $160,000 Active 96 DOM
4. 2026-06-15
   days on market $160,000 Active 95 DOM
5. 2026-06-13
   days on market $160,000 Active 93 DOM
6. 2026-06-10
   days on market $160,000 Active 90 DOM
7. 2026-06-09
   days on market $160,000 Active 89 DOM
8. 2026-06-08
   days on market $160,000 Active 88 DOM
9. 2026-06-07
   days on market $160,000 Active 87 DOM
10. 2026-06-05
    days on market $160,000 Active 84 DOM
11. 2026-06-03
    days on market $160,000 Active 83 DOM
12. 2026-06-03
    days on market $160,000 Active 82 DOM
13. 2026-06-01
    days on market $160,000 Active 81 DOM
14. 2026-05-31
    days on market $160,000 Active 80 DOM
15. 2026-05-20
    price $160,000
16. 2026-04-22
    price $165,000
17. 2026-03-12
    listed $175,000 Active
18. 2019-04-05
    soldstatus $130,000
19. 2019-03-29
    soldstatus $130,000 Sold 1475-char remark

    Show marketing remark (1475 chars)

    Buyer backed out of contract so this wonderful home is back on the market and is move in and turn key ready!! This home is move in ready and comes furnished! Seller offering buyer a one year home warranty at closing. All furnishing in the home are included except sellers personal items/knick knacks: TV cabinet in family room: TV's: and wood table and chairs in the dining room. This is a Jocobson Manufacture home located in the highly sought after community of Mt. Olive Shores, a Class A Motor coach community. Special design Pella windows added in 2010 with life time warranty. Spacious "L" shaped kitchen with corner widow, ample storage and new Kohler double sink. Two dining room options in this home that was designed to increase usable space and functionality. Very large master bedroom with two mirrored closet doors. Master bath with Jacuzzi tub, walk in shower, and California water closet. Inside laundry room with built in cabinets. 30 year roof installed. 2014; side extension of concrete was laid on the right for access to workshop. Owner is a master craftsman and has designed the two story workshop and storage to define space for tools. Beautiful new carpet throughout. Just minutes from I-4 - located between Orlando and Tampa. This is a quiet and private gated community of fellow motor coacher's with beautiful fresh water canals and wild life. You must own or rent for the first year of a Class A Motor Coach to purchase in this community.

20. 2019-03-19
    status Pending 1475-char remark

    Show marketing remark (1475 chars)

    Buyer backed out of contract so this wonderful home is back on the market and is move in and turn key ready!! This home is move in ready and comes furnished! Seller offering buyer a one year home warranty at closing. All furnishing in the home are included except sellers personal items/knick knacks: TV cabinet in family room: TV's: and wood table and chairs in the dining room. This is a Jocobson Manufacture home located in the highly sought after community of Mt. Olive Shores, a Class A Motor coach community. Special design Pella windows added in 2010 with life time warranty. Spacious "L" shaped kitchen with corner widow, ample storage and new Kohler double sink. Two dining room options in this home that was designed to increase usable space and functionality. Very large master bedroom with two mirrored closet doors. Master bath with Jacuzzi tub, walk in shower, and California water closet. Inside laundry room with built in cabinets. 30 year roof installed. 2014; side extension of concrete was laid on the right for access to workshop. Owner is a master craftsman and has designed the two story workshop and storage to define space for tools. Beautiful new carpet throughout. Just minutes from I-4 - located between Orlando and Tampa. This is a quiet and private gated community of fellow motor coacher's with beautiful fresh water canals and wild life. You must own or rent for the first year of a Class A Motor Coach to purchase in this community.

21. 2019-03-02
    status Active 1475-char remark

    Show marketing remark (1475 chars)

    Buyer backed out of contract so this wonderful home is back on the market and is move in and turn key ready!! This home is move in ready and comes furnished! Seller offering buyer a one year home warranty at closing. All furnishing in the home are included except sellers personal items/knick knacks: TV cabinet in family room: TV's: and wood table and chairs in the dining room. This is a Jocobson Manufacture home located in the highly sought after community of Mt. Olive Shores, a Class A Motor coach community. Special design Pella windows added in 2010 with life time warranty. Spacious "L" shaped kitchen with corner widow, ample storage and new Kohler double sink. Two dining room options in this home that was designed to increase usable space and functionality. Very large master bedroom with two mirrored closet doors. Master bath with Jacuzzi tub, walk in shower, and California water closet. Inside laundry room with built in cabinets. 30 year roof installed. 2014; side extension of concrete was laid on the right for access to workshop. Owner is a master craftsman and has designed the two story workshop and storage to define space for tools. Beautiful new carpet throughout. Just minutes from I-4 - located between Orlando and Tampa. This is a quiet and private gated community of fellow motor coacher's with beautiful fresh water canals and wild life. You must own or rent for the first year of a Class A Motor Coach to purchase in this community.

22. 2019-02-22
    status Pending 1475-char remark

    Show marketing remark (1475 chars)

    Buyer backed out of contract so this wonderful home is back on the market and is move in and turn key ready!! This home is move in ready and comes furnished! Seller offering buyer a one year home warranty at closing. All furnishing in the home are included except sellers personal items/knick knacks: TV cabinet in family room: TV's: and wood table and chairs in the dining room. This is a Jocobson Manufacture home located in the highly sought after community of Mt. Olive Shores, a Class A Motor coach community. Special design Pella windows added in 2010 with life time warranty. Spacious "L" shaped kitchen with corner widow, ample storage and new Kohler double sink. Two dining room options in this home that was designed to increase usable space and functionality. Very large master bedroom with two mirrored closet doors. Master bath with Jacuzzi tub, walk in shower, and California water closet. Inside laundry room with built in cabinets. 30 year roof installed. 2014; side extension of concrete was laid on the right for access to workshop. Owner is a master craftsman and has designed the two story workshop and storage to define space for tools. Beautiful new carpet throughout. Just minutes from I-4 - located between Orlando and Tampa. This is a quiet and private gated community of fellow motor coacher's with beautiful fresh water canals and wild life. You must own or rent for the first year of a Class A Motor Coach to purchase in this community.

23. 2019-01-19
    price $134,900 1475-char remark

    Show marketing remark (1475 chars)

    Buyer backed out of contract so this wonderful home is back on the market and is move in and turn key ready!! This home is move in ready and comes furnished! Seller offering buyer a one year home warranty at closing. All furnishing in the home are included except sellers personal items/knick knacks: TV cabinet in family room: TV's: and wood table and chairs in the dining room. This is a Jocobson Manufacture home located in the highly sought after community of Mt. Olive Shores, a Class A Motor coach community. Special design Pella windows added in 2010 with life time warranty. Spacious "L" shaped kitchen with corner widow, ample storage and new Kohler double sink. Two dining room options in this home that was designed to increase usable space and functionality. Very large master bedroom with two mirrored closet doors. Master bath with Jacuzzi tub, walk in shower, and California water closet. Inside laundry room with built in cabinets. 30 year roof installed. 2014; side extension of concrete was laid on the right for access to workshop. Owner is a master craftsman and has designed the two story workshop and storage to define space for tools. Beautiful new carpet throughout. Just minutes from I-4 - located between Orlando and Tampa. This is a quiet and private gated community of fellow motor coacher's with beautiful fresh water canals and wild life. You must own or rent for the first year of a Class A Motor Coach to purchase in this community.

24. 2018-12-11
    listed $139,900 Active 1475-char remark

    Show marketing remark (1475 chars)

    Buyer backed out of contract so this wonderful home is back on the market and is move in and turn key ready!! This home is move in ready and comes furnished! Seller offering buyer a one year home warranty at closing. All furnishing in the home are included except sellers personal items/knick knacks: TV cabinet in family room: TV's: and wood table and chairs in the dining room. This is a Jocobson Manufacture home located in the highly sought after community of Mt. Olive Shores, a Class A Motor coach community. Special design Pella windows added in 2010 with life time warranty. Spacious "L" shaped kitchen with corner widow, ample storage and new Kohler double sink. Two dining room options in this home that was designed to increase usable space and functionality. Very large master bedroom with two mirrored closet doors. Master bath with Jacuzzi tub, walk in shower, and California water closet. Inside laundry room with built in cabinets. 30 year roof installed. 2014; side extension of concrete was laid on the right for access to workshop. Owner is a master craftsman and has designed the two story workshop and storage to define space for tools. Beautiful new carpet throughout. Just minutes from I-4 - located between Orlando and Tampa. This is a quiet and private gated community of fellow motor coacher's with beautiful fresh water canals and wild life. You must own or rent for the first year of a Class A Motor Coach to purchase in this community.

25. 2018-12-11
    historical

    Show marketing remark (1475 chars)

    Buyer backed out of contract so this wonderful home is back on the market and is move in and turn key ready!! This home is move in ready and comes furnished! Seller offering buyer a one year home warranty at closing. All furnishing in the home are included except sellers personal items/knick knacks: TV cabinet in family room: TV's: and wood table and chairs in the dining room. This is a Jocobson Manufacture home located in the highly sought after community of Mt. Olive Shores, a Class A Motor coach community. Special design Pella windows added in 2010 with life time warranty. Spacious "L" shaped kitchen with corner widow, ample storage and new Kohler double sink. Two dining room options in this home that was designed to increase usable space and functionality. Very large master bedroom with two mirrored closet doors. Master bath with Jacuzzi tub, walk in shower, and California water closet. Inside laundry room with built in cabinets. 30 year roof installed. 2014; side extension of concrete was laid on the right for access to workshop. Owner is a master craftsman and has designed the two story workshop and storage to define space for tools. Beautiful new carpet throughout. Just minutes from I-4 - located between Orlando and Tampa. This is a quiet and private gated community of fellow motor coacher's with beautiful fresh water canals and wild life. You must own or rent for the first year of a Class A Motor Coach to purchase in this community.

26. 2018-11-12
    listed $139,900 Active
27. 2016-05-06
    historical
28. 2015-12-03
    listed $139,900 Active
29. 2007-10-22
    listed $169,900
30. 2006-08-03
    listed $178,900
31. 2005-05-19
    soldstatus $135,000
32. 2005-05-12
    soldstatus $135,000
33. 2004-10-05
    listed $139,900
34. 1995-03-28
    soldstatus $19,000

ⓘ 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: $1,382 · $115/mo
• Projected year-2 tax: $1,382 · $115/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,024
• − Mortgage interest: −$8,962
• − Property taxes: −$1,382
• − Insurance: −$800
• − Repairs & maintenance: −$1,602
• − Management: −$1,602
• − HOA: −$1,188
• − Depreciation: −$4,655
• Taxable loss: −$167
• Est. tax savings @ 24.0%: +$40
• After-tax cash flow: $2,421/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: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Polk City

• Score: 68/100
• State rank: #501
• US rank: #9243

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 13,676

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (66%)
• Race & ethnicity: White 66% Hispanic / Latino 22% Two or more races 14% Black 6%
• Hispanic origin (detail): Mexican 6% Puerto Rican 11% Dominican 2%
• Common ancestry: Lithuanian 1% Italian 1% Slovak 1%
• Foreign-born: 6% · Canada
• Languages at home: 80% English-only · Spanish 17% Other Indo-European 1%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -33.52%
• Current HPI: 325.6917
• 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

+742.1% since first listed

20 events — show timeline

• 2026-05-20 Price Changed $160,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-22 Price Changed $165,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-12 Listed $175,000 Stellar MLS as Distributed by MLS Grid
• 2019-04-05 Sold (Public Records) $130,000 Public Records
• 2019-03-29 Sold (MLS) $130,000 Stellar MLS as Distributed by MLS Grid
• 2019-03-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-03-02 Relisted — Stellar MLS as Distributed by MLS Grid
• 2019-02-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-01-19 Price Changed $134,900 Stellar MLS as Distributed by MLS Grid
• 2018-12-11 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-12-11 Listed $139,900 Stellar MLS as Distributed by MLS Grid
• 2018-11-12 Listed $139,900 Stellar MLS as Distributed by MLS Grid
• 2016-05-06 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2015-12-03 Listed $139,900 Stellar MLS as Distributed by MLS Grid
• 2007-10-22 Listed $169,900 Stellar MLS as Distributed by MLS Grid
• 2006-08-03 Listed $178,900 Stellar MLS as Distributed by MLS Grid
• 2005-05-19 Sold (Public Records) $135,000 Public Records
• 2005-05-12 Sold (MLS) $135,000 Stellar MLS as Distributed by MLS Grid
• 2004-10-05 Listed $139,900 Stellar MLS as Distributed by MLS Grid
• 1995-03-28 Sold (Public Records) $19,000 Public Records

Property tax history

+7.5%/yr

Latest (2025): $1,382 · +11.8% YoY. Source: county tax records.