2130 Lois Blvd · Lake Alfred, FL 33850

$120,000

2 bd · 2.0 ba · 840 sqft · Manufactured public records · 27 Days on market

Built 1983 6,212 sqft lot

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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 +28.4/30.0
• DSCR +10.0/10.0
• 1% rule +7.8/10.0
• ARV discount +7.5/15.0
• Livability +3.6/5.0
• Schools +3.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

NO LOT RENT and YOU OWN THE LAND, All ages community. Low HOA only $50 annually. Take a ride to view the SUNSETS just around the corner on a short walk or golf cart ride to the Community Recreation Facility and Dock On Beautiful LAKE MARIANA. Come see this is 2BR/2BA mobile home with a huge screen room in the front and head out back to the screened in patio. Your pets will love the room they have on this large corner lot. A storage shed to store all of your outside equipment or just for extra storage. Perfectly located close to Lake Alfred, Winter Haven, Auburndale and 10 minutes from I-4. Come now before it's gone. CASH ONLY!

Key facts

• Covered front porch
• Shaded parking
• Luxury vinyl plank

Tags

• LUXURY VINYL PLANK
• PLUMBING UPGRADES
• ELECTRICAL UPGRADES
• CORNER LOT
• COVERED FRONT PORCH
• SHADED PARKING

Property features AI

Finance

• Other: Property type: Residential; Property subtype: Manufactured Home; Zoning: R-3; Unfurnished; Living area reported as 840 square feet; Lot listed as approximately 0 to less than 1/4 acre; Directions available
• HOA & community: No association

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected; Underground utilities
• Home design: Manufactured single-wide home; One story; Facing southwest; Completed condition
• Construction: Metal roof; Other construction materials; Crawlspace foundation; Built on lot size approximately 0.14 acre (60 x 103)
• Exterior features: Covered front porch; Corner lot; Asphalt road access

Interior

• Kitchen: Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Mini-split cooling unit(s); Other type heating
• Interior features: Ceiling fans; Open floor plan; Thermostat
• Laundry & utility: Dedicated laundry room; Washer; Dryer

What this means for you Summary

Snapshot

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

Deal economics

• At list price, monthly cash flow is $387 ($5k/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: $118k (1.5% below list) — sets the bar for market timing.

Location & tenants

• Location reads 72/100 on livability (#363 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, cost of living A+, housing A+; Watch: schools C-, employment D, amenities 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: 279 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $830 of loan paydown is wiped out by about $4k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $34k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 27 days — a 2% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y ago 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.
• Current owner paid $73k; list at $120k implies a 64% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $118,200 (1.5% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 1.28% ✓
• Cap rate: 10.16%
• Cash-on-cash: 13.82%
• DSCR: 1.61
• GRM: 6.5

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: 4.0%
• Equity multiple: 1.16×
• Total profit: $5,218
• Equity at exit: $17,892

10-year hold

• IRR: 13.5%
• Equity multiple: 2.08×
• Total profit: $36,360
• 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 33850

• Home prices YoY: -8.5%
• Active inventory: 279
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,535 high
• Mortgage (P&I): −$629
• Tax from tax record: −$146 /mo · $1,757/yr
• Insurance: −$50
• HOA: −$0
• Vacancy / Maint / Mgmt: −$322
• Net cashflow: $387

Break-even live

Break-even rent $1,045

Max offer price $120,000

Occupancy floor 70%

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 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1040 S Buena Vista Dr Unit 1040 Lake Alfred, FL	2.0	2.0	955	$1,475	$1.54	23d	1	1.34mi
1040 S Buena Vista Dr Unit 1036 Lake Alfred, FL	2.0	2.0	955	$1,445	$1.51	23d	1	1.34mi
1040 S Buena Vista Dr Unit 1065 Lake Alfred, FL	2.0	2.0	955	$1,425	$1.49	23d	1	1.34mi
711 Lake Jessie Dr Winter Haven, FL	2.0	2.0	884	$1,400	$1.58	23d	1	1.46mi
325 W Pierce St Unit 1 Lake Alfred, FL	2.0	1.0	800	$1,150	$1.44	2d	1	1.48mi
150 S Nekoma Ave Lake Alfred, FL	2.0	1.0	750	$1,375	$1.83	23d	1	1.49mi

Listing history 19 events

1. 2026-06-18
   days on market $120,000 Active 27 DOM
2. 2026-06-17
   days on market $120,000 Active 26 DOM
3. 2026-06-16
   days on market $120,000 Active 25 DOM
4. 2026-06-15
   days on market $120,000 Active 24 DOM
5. 2026-06-13
   pricedays on market $120,000 Active 22 DOM
6. 2026-06-10
   days on market $123,900 Active 19 DOM
7. 2026-06-09
   days on market $123,900 Active 18 DOM
8. 2026-06-08
   days on market $123,900 Active 17 DOM
9. 2026-06-07
   days on market $123,900 Active 16 DOM
10. 2026-06-05
    days on market $123,900 Active 13 DOM
11. 2026-06-03
    days on market $123,900 Active 12 DOM
12. 2026-06-03
    days on market $123,900 Active 11 DOM
13. 2026-06-01
    days on market $123,900 Active 10 DOM
14. 2026-05-31
    days on market $123,900 Active 9 DOM
15. 2026-05-22
    listed $124,900 Active
16. 2022-06-03
    soldstatus $73,000 Closed 634-char remark

    Show marketing remark (634 chars)

    NO LOT RENT and YOU OWN THE LAND, All ages community. Low HOA only $50 annually. Take a ride to view the SUNSETS just around the corner on a short walk or golf cart ride to the Community Recreation Facility and Dock On Beautiful LAKE MARIANA. Come see this is 2BR/2BA mobile home with a huge screen room in the front and head out back to the screened in patio. Your pets will love the room they have on this large corner lot. A storage shed to store all of your outside equipment or just for extra storage. Perfectly located close to Lake Alfred, Winter Haven, Auburndale and 10 minutes from I-4. Come now before it's gone. CASH ONLY!

17. 2022-05-18
    status Pending 634-char remark

    Show marketing remark (634 chars)

    NO LOT RENT and YOU OWN THE LAND, All ages community. Low HOA only $50 annually. Take a ride to view the SUNSETS just around the corner on a short walk or golf cart ride to the Community Recreation Facility and Dock On Beautiful LAKE MARIANA. Come see this is 2BR/2BA mobile home with a huge screen room in the front and head out back to the screened in patio. Your pets will love the room they have on this large corner lot. A storage shed to store all of your outside equipment or just for extra storage. Perfectly located close to Lake Alfred, Winter Haven, Auburndale and 10 minutes from I-4. Come now before it's gone. CASH ONLY!

18. 2022-05-14
    listed $76,500 Active 634-char remark

    Show marketing remark (634 chars)

    NO LOT RENT and YOU OWN THE LAND, All ages community. Low HOA only $50 annually. Take a ride to view the SUNSETS just around the corner on a short walk or golf cart ride to the Community Recreation Facility and Dock On Beautiful LAKE MARIANA. Come see this is 2BR/2BA mobile home with a huge screen room in the front and head out back to the screened in patio. Your pets will love the room they have on this large corner lot. A storage shed to store all of your outside equipment or just for extra storage. Perfectly located close to Lake Alfred, Winter Haven, Auburndale and 10 minutes from I-4. Come now before it's gone. CASH ONLY!

19. 1979-04-01
    soldstatus $6,200

ⓘ 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: $1,757 · $146/mo
• Projected year-2 tax: $1,757 · $146/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 24 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: $18,419
• − Mortgage interest: −$6,722
• − Property taxes: −$1,757
• − Insurance: −$600
• − Repairs & maintenance: −$1,474
• − Management: −$1,474
• − Depreciation: −$3,491
• Taxable income: $2,903
• Est. tax owed @ 24.0%: −$697
• After-tax cash flow: $3,946/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 — Lake Alfred

• Score: 72/100
• State rank: #363
• US rank: #6406

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Polk County · 740,051 people
• City population: 9,757
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 9,757
• Household income: $61,622
• Rent vs Own: 27.2% rent · 72.8% own
• Severe rent burden: 431.0

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: Diverse neighborhood (Simpson 0.63)
• Race & ethnicity: White 54% Hispanic / Latino 24% Black 11% Asian 9% Two or more races 8%
• Hispanic origin (detail): Mexican 3% Puerto Rican 15% Dominican 2%
• Common ancestry: Lithuanian 2% Italian 2% Romanian 1%
• Foreign-born: 15% · Canada, China
• Languages at home: 72% English-only · Spanish 21% Other Asian/Pacific 2% Other Indo-European 2%

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: ▼ -32.91%
• Current HPI: 353.941
• Rent YoY: —
• Metro: Lakeland-Winter Haven, 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

+1914.5% since first listed

5 events — show timeline

• 2026-05-22 Listed $124,900 Stellar MLS as Distributed by MLS Grid
• 2022-06-03 Sold (MLS) $73,000 Stellar MLS as Distributed by MLS Grid
• 2022-05-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-05-14 Listed $76,500 Stellar MLS as Distributed by MLS Grid
• 1979-04-01 Sold (Public Records) $6,200 Public Records

Property tax history

+10.4%/yr

Latest (2025): $1,757 · +7.5% YoY. Source: county tax records.