26142 Rose Ln · Astatula, FL 34705

$203,999

2 bd · 2.0 ba · 1,234 sqft · Manufactured public records · 87 Days on market

Built 2005 5,500 sqft lot

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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 +17.7/30.0
• ARV discount +7.5/15.0
• Appreciation +6.3/10.0
• DSCR +5.5/10.0
• Schools +4.2/10.0
• 1% rule +4.1/10.0
• Livability +3.7/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

CANALFRONT HOME to LITTLE LAKE HARRIS! Jump on your boat from your rear dock and head on over to a full day of quality fishing on famous fishing chain of lakes! Want more recreational time on the water? Enjoy all the wildlife along the shores and stop at one of many restaurants on the chain of lakes and enjoy live music, etc. This home is IMMACULATE, and ready to move into. Large family room off the kitchen has vaulted ceilings to make it even more spacious feeling. The kitchen has a breakfast bar and plenty of cabinetry, plus there is a forma dining room area as well! The master bedroom has a full wall of closets, has a nice bathroom with shower area. The second bedroom also has good storage with a nice bath. There is a fantastic Florida room off the family room that makes it a great den or office area. Watch the boats go by, or enjoy the birds sitting on the dock through the many windows. Relax on the screened side and rear porches as well. The front has a tall carport area so parking a large boat here is not an issue! Plenty of driveway space for additional parking, Great shed in the back for extra storage. Extremely well maintained home ready to move in. Please make an appointment

Key facts

• Cul de sac
• Kitchen island
• Vaulted ceilings

Tags

• CUL DE SAC
• HUGE OVERSIZED CARPORT
• WRAP AROUND SCREENED PORCH
• OPEN SPACIOUS FLOOR PLAN
• VAULTED CEILINGS
• KITCHEN ISLAND

Property features AI

Finance

• Other: On waterfront (Harris Chain of Lakes) with 76 feet of waterfront; Canal water view and water access (canal, lake - chain of lakes); Water extras include boathouse, covered lift, concrete seawall, and skiing allowed; Lot on a cul-de-sac with trees/landscaping; Lot size about 0.13 acre (0 to less than 1/4 acre); Paved road access; Homestead exempt
• HOA & community: No association

Exterior

• Parking: Carport with 2 spaces
• Utilities: Public water; Public sewer; Public utilities
• Home design: Manufactured double-wide home; One level; West facing
• Construction: Metal frame and wood frame construction with vinyl siding; Shingle roof; Crawlspace foundation; Built as a double wide
• Exterior features: Covered, screened, wrap-around porch; Rain gutters; Exterior storage / shed

Interior

• Kitchen: Microwave; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Open floor plan; Vaulted ceilings; Window treatments
• Laundry & utility: Laundry closet

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $204k.

Deal economics

• At list price, monthly cash flow is $163 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $185k (9.3% below list).
• Recommended offer: $185k (9.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 73/100 on livability (#319 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: schools C-, amenities F, commute F.
• Lake (suburban): math 49% / reading 50% proficiency, ranked #37 of 73 in FL (top 51%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Market conditions: 89 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 4,799 units permitted in Lake County in 2024 (814 in 5+ unit buildings).

Forward outlook

• In year one you build about $7k of equity ($1k loan paydown + $5k appreciation (2.7% local appreciation)).
• Lake County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (2.7% appreciation + 3.0% rent growth), your $57k cash investment doubles in ~6 years — after that, you're playing with house money.
• By year 6, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 87 days — a 6% lower offer ($192k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 13y 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 $126k; list at $204k implies a 62% 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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $185,000 (9.3% below list)

Questions for the listing agent

1. It's been on market 87 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
5. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
6. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
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: 0.91% ✗
• Cap rate: 7.25%
• Cash-on-cash: 3.43%
• DSCR: 1.15
• GRM: 9.2

CMA / ARV

No comps found within radius.

Projected returns pro-forma

2.67% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 9.8%
• Equity multiple: 1.55×
• Total profit: $31,437
• Equity at exit: $88,010

10-year hold

• IRR: 12.4%
• Equity multiple: 2.78×
• Total profit: $101,719
• Equity at exit: $132,812

Cash invested: $57,120 (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 34705

• Home prices YoY: 0.7%
• Active inventory: 89
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $1,850 medium
• Mortgage (P&I): −$1,070
• Tax from tax record: −$143 /mo · $1,722/yr
• Insurance: −$85
• HOA: −$0
• Vacancy / Maint / Mgmt: −$388
• Net cashflow: $163

Break-even live

Break-even rent $1,643

Max offer price $203,999

Occupancy floor 86%

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: $51,000
• Closing costs: $6,120
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13708 Palm Dr Astatula, FL	2.0	2.0	1012	$1,850	$1.83	4d	1	0.07mi

Listing history 20 events

1. 2026-06-07
   status $203,999 Pending 87 DOM
2. 2026-06-04
   days on market $203,999 Active 87 DOM
3. 2026-06-03
   days on market $203,999 Active 86 DOM
4. 2026-06-02
   days on market $203,999 Active 85 DOM
5. 2026-06-01
   days on market $203,999 Active 84 DOM
6. 2026-05-31
   days on market $203,999 Active 83 DOM
7. 2026-05-24
   status Active
8. 2026-05-14
   status Pending
9. 2026-03-23
   price $203,999
10. 2026-03-09
    price $209,000
11. 2026-02-27
    listed $214,000 Active
12. 2019-09-27
    soldstatus $125,777
13. 2019-09-25
    soldstatus $125,777 Sold 1204-char remark

    Show marketing remark (1204 chars)

    CANALFRONT HOME to LITTLE LAKE HARRIS! Jump on your boat from your rear dock and head on over to a full day of quality fishing on famous fishing chain of lakes! Want more recreational time on the water? Enjoy all the wildlife along the shores and stop at one of many restaurants on the chain of lakes and enjoy live music, etc. This home is IMMACULATE, and ready to move into. Large family room off the kitchen has vaulted ceilings to make it even more spacious feeling. The kitchen has a breakfast bar and plenty of cabinetry, plus there is a forma dining room area as well! The master bedroom has a full wall of closets, has a nice bathroom with shower area. The second bedroom also has good storage with a nice bath. There is a fantastic Florida room off the family room that makes it a great den or office area. Watch the boats go by, or enjoy the birds sitting on the dock through the many windows. Relax on the screened side and rear porches as well. The front has a tall carport area so parking a large boat here is not an issue! Plenty of driveway space for additional parking, Great shed in the back for extra storage. Extremely well maintained home ready to move in. Please make an appointment

14. 2019-08-16
    status Pending 1204-char remark

    Show marketing remark (1204 chars)

    CANALFRONT HOME to LITTLE LAKE HARRIS! Jump on your boat from your rear dock and head on over to a full day of quality fishing on famous fishing chain of lakes! Want more recreational time on the water? Enjoy all the wildlife along the shores and stop at one of many restaurants on the chain of lakes and enjoy live music, etc. This home is IMMACULATE, and ready to move into. Large family room off the kitchen has vaulted ceilings to make it even more spacious feeling. The kitchen has a breakfast bar and plenty of cabinetry, plus there is a forma dining room area as well! The master bedroom has a full wall of closets, has a nice bathroom with shower area. The second bedroom also has good storage with a nice bath. There is a fantastic Florida room off the family room that makes it a great den or office area. Watch the boats go by, or enjoy the birds sitting on the dock through the many windows. Relax on the screened side and rear porches as well. The front has a tall carport area so parking a large boat here is not an issue! Plenty of driveway space for additional parking, Great shed in the back for extra storage. Extremely well maintained home ready to move in. Please make an appointment

15. 2019-08-12
    listed $129,900 Active 1204-char remark

    Show marketing remark (1204 chars)

    CANALFRONT HOME to LITTLE LAKE HARRIS! Jump on your boat from your rear dock and head on over to a full day of quality fishing on famous fishing chain of lakes! Want more recreational time on the water? Enjoy all the wildlife along the shores and stop at one of many restaurants on the chain of lakes and enjoy live music, etc. This home is IMMACULATE, and ready to move into. Large family room off the kitchen has vaulted ceilings to make it even more spacious feeling. The kitchen has a breakfast bar and plenty of cabinetry, plus there is a forma dining room area as well! The master bedroom has a full wall of closets, has a nice bathroom with shower area. The second bedroom also has good storage with a nice bath. There is a fantastic Florida room off the family room that makes it a great den or office area. Watch the boats go by, or enjoy the birds sitting on the dock through the many windows. Relax on the screened side and rear porches as well. The front has a tall carport area so parking a large boat here is not an issue! Plenty of driveway space for additional parking, Great shed in the back for extra storage. Extremely well maintained home ready to move in. Please make an appointment

16. 2015-04-08
    soldstatus $90,000
17. 2014-06-30
    historical
18. 2014-06-14
    status Active
19. 2014-06-10
    historical
20. 2013-12-30
    listed $99,900 Active

ⓘ 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: $1,722 · $143/mo
• Projected year-2 tax: $1,722 · $143/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 ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,200
• − Mortgage interest: −$11,427
• − Property taxes: −$1,722
• − Insurance: −$1,020
• − Repairs & maintenance: −$1,776
• − Management: −$1,776
• − Depreciation: −$5,935
• Taxable loss: −$1,455
• Est. tax savings @ 24.0%: +$349
• After-tax cash flow: $2,308/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: Lake
• NCES district ID: 1201050
• Math proficiency: 49% ▼ -7.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $46,632
• Composite: 42.05/100
• National rank: #3327
• State rank: #37 of 73 in FL

Livability — Astatula

• Score: 73/100
• State rank: #319
• US rank: #5538

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 3,212

Population outlook (Lake County) Hauer SSP2

• Today (2025): 386,640 people
• By 2030: 417,107 · +7.9%
• By 2040: 476,676 · +23.3%
• By 2050: 531,296 · +37.4%
• By 2075: 648,303 · +67.7%
• By 2100: 698,530 · +80.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Hispanic / Latino 25% Two or more races 16%
• Hispanic origin (detail): Mexican 18% Puerto Rican 5%
• Common ancestry: Italian 4% Slovak 2% Romanian 1%
• Foreign-born: 9% · Canada
• Languages at home: 78% English-only · Spanish 20% Other Indo-European 1%

Political lean MEDSL · Lake

• 2024 margin: Strong R (+24.7) · D 37.3% · R 62.0%
• 2008→2024 swing: -11.2pp toward R · 2008: -13.5pp · 2024: -24.7pp
• All cycles: 2024: R+24.7 2020: R+20.0 2016: R+23.1 2012: R+17.1 2008: R+13.5

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 2.67%
• Current HPI: 368.3718
• 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

+104.2% since first listed

14 events — show timeline

• 2026-05-24 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-23 Price Changed $203,999 Stellar MLS as Distributed by MLS Grid
• 2026-03-09 Price Changed $209,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-27 Listed $214,000 Stellar MLS as Distributed by MLS Grid
• 2019-09-27 Sold (Public Records) $125,777 Public Records
• 2019-09-25 Sold (MLS) $125,777 Stellar MLS as Distributed by MLS Grid
• 2019-08-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-08-12 Listed $129,900 Stellar MLS as Distributed by MLS Grid
• 2015-04-08 Sold (Public Records) $90,000 Public Records
• 2014-06-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-06-14 Relisted — Stellar MLS as Distributed by MLS Grid
• 2014-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2013-12-30 Listed $99,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+2.6%/yr

Latest (2025): $1,722 · +3.1% YoY. Source: county tax records.