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6444 Haele Ct
B- Composite 65.09
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 +25.2/30.0
  • 1% rule +10.0/10.0
  • DSCR +8.2/10.0
  • ARV discount +7.5/15.0
  • Schools +5.4/10.0
  • Livability +3.8/5.0
  • Rent growth +2.6/5.0
  • Condition / age +2.5/5.0
  • Appreciation +0.0/10.0

$90,000

6444 Haele Ct · North Port, FL 34287
2 bd · 1.0 ba · 672 sqft · Manufactured public records · 209 Days on market
Built 1971 5,189 sqft lot $195/mo HOA · 13% of rent

🖨 Deal sheet 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Holiday Park Gem. This 2 bedroom turnkey coach is fully furnished and being sold with major appliances, smaller appliances to include: air fryer, keurig coffee maker, toaster, electric kettle and the kitchen sundries include: dishes, cutlery, knives, pots, pans, cooking utensils, etc. There is no washer or dryer but Holiday Park has a laurdry center. This home offers a raised "den" off the kitchen with ceramic tile, all weather windows and a slider to the sunporch, the lanai offers ceramic tile as well with a ceiling fan and slider windows. Holiday Park is a premier land-owned, DEEDED community offering an exceptional lifestyle with a low monthly maintenance fee of $195 ($2,340.00/year), conveniently included in your tax bill. Residents enjoy access to two well-appointed clubhouses, two inviting swimming pools, and a comprehensive fitness center, ensuring ample opportunities for relaxation and recreation. The community is designed for active living, featuring tennis, pickleball, and bocce ball courts, along with a variety of indoor and outdoor games such as billiards, shuffleboard, and horseshoes. With ping pong tables, a card room, and dart boards, residents can engage in numerous social activities, all set within a beautifully landscaped park-like environment.

Key facts

  • Raised den
  • Major appliances
  • Ceramic tile

Tags

FULLY FURNISHEDMAJOR APPLIANCESLAUNDRY CENTERRAISED DENCERAMIC TILEALL WEATHER WINDOWS

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.0-bath manufactured listed at $90k.

Deal economics

  • At list price, monthly cash flow is $200 ($2k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($2k rent vs $90k).
  • Recommended offer: $79k (12.0% below list) — sets the bar for market timing.
  • Cap rate 9.0% vs local median 3.6% in North Port — 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 75/100 on livability (#252 in FL, #3,975 nationally) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, health & safety A+; Watch: amenities F, commute F.
  • Sarasota (urban): math 63% / reading 63% proficiency, ranked #7 of 73 in FL (top 10%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Market conditions: Rents flat; 852 active listings in the ZIP; 7,466 units permitted in Sarasota County in 2024 (2,138 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $622 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
  • Sarasota County population projected at +20% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 209 days — a 12% lower offer ($79k) is reasonable based on typical stale-listing flexibility.
  • Current owner paid $23k; list at $90k implies a 285% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: property tax is 4.0% of price.
  • Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Recommended offer $79,200 (12.0% below list)

Questions for the listing agent

  1. It's been on market 209 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
  2. Built in 1971 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
  4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  7. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  8. 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.
  9. 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.
  10. 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
1.70%
Cap rate
8.97%
Cash-on-cash
9.55%
DSCR
1.42
GRM
4.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.26% rent growth · sell at horizon

5-year hold
IRR
-6.3%
Equity multiple
0.78×
Total profit
$-5,661
Equity at exit
$13,419
10-year hold
IRR
-2.4%
Equity multiple
0.87×
Total profit
$-3,376
Equity at exit
$7,782

Cash invested: $25,200 (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.

ZIP-level market 34287

Home prices YoY
-20.1%
Rents YoY
0.3%
Active inventory
852
Price-to-rent
4.9×

Monthly cashflow live

Estimated rent
$1,529 medium interval (Pro) →
Mortgage (P&I)
$472
Tax from tax record
$303 /mo · $3,640/yr
Insurance
$38
HOA
$195
Vacancy / Maint / Mgmt
$321
Net cashflow
$200

Break-even live

Break-even rent $1,276
Max offer price $90,000
Occupancy floor 82%

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
$22,500
Closing costs
$2,700
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

HOA detail

Monthly dues
$195 · $2,340/yr
Likely covers
electricpoolgym

Listing history 17 events

  1. 2026-06-18
    days on market $90,000 Active 209 DOM
  2. 2026-06-17
    days on market $90,000 Active 208 DOM
  3. 2026-06-16
    days on market $90,000 Active 207 DOM
  4. 2026-06-15
    days on market $90,000 Active 206 DOM
  5. 2026-06-13
    days on market $90,000 Active 204 DOM
  6. 2026-06-13
    days on market $90,000 Active 203 DOM
  7. 2026-06-10
    days on market $90,000 Active 201 DOM
  8. 2026-06-09
    days on market $90,000 Active 200 DOM
  9. 2026-06-08
    days on market $90,000 Active 198 DOM
  10. 2026-06-05
    days on market $90,000 Active 195 DOM
  11. 2026-06-03
    days on market $90,000 Active 194 DOM
  12. 2026-06-02
    days on market $90,000 Active 193 DOM
  13. 2026-06-01
    days on market $90,000 Active 192 DOM
  14. 2026-05-31
    days on market $90,000 Active 191 DOM
  15. 2025-12-23
    price $90,000 1292-char remark
    Show marketing remark (1292 chars)

    Holiday Park Gem. This 2 bedroom turnkey coach is fully furnished and being sold with major appliances, smaller appliances to include: air fryer, keurig coffee maker, toaster, electric kettle and the kitchen sundries include: dishes, cutlery, knives, pots, pans, cooking utensils, etc. There is no washer or dryer but Holiday Park has a laurdry center. This home offers a raised "den" off the kitchen with ceramic tile, all weather windows and a slider to the sunporch, the lanai offers ceramic tile as well with a ceiling fan and slider windows. Holiday Park is a premier land-owned, DEEDED community offering an exceptional lifestyle with a low monthly maintenance fee of $195 ($2,340.00/year), conveniently included in your tax bill. Residents enjoy access to two well-appointed clubhouses, two inviting swimming pools, and a comprehensive fitness center, ensuring ample opportunities for relaxation and recreation. The community is designed for active living, featuring tennis, pickleball, and bocce ball courts, along with a variety of indoor and outdoor games such as billiards, shuffleboard, and horseshoes. With ping pong tables, a card room, and dart boards, residents can engage in numerous social activities, all set within a beautifully landscaped park-like environment.

  16. 2025-11-21
    listed $110,000 Active 1292-char remark
    Show marketing remark (1292 chars)

    Holiday Park Gem. This 2 bedroom turnkey coach is fully furnished and being sold with major appliances, smaller appliances to include: air fryer, keurig coffee maker, toaster, electric kettle and the kitchen sundries include: dishes, cutlery, knives, pots, pans, cooking utensils, etc. There is no washer or dryer but Holiday Park has a laurdry center. This home offers a raised "den" off the kitchen with ceramic tile, all weather windows and a slider to the sunporch, the lanai offers ceramic tile as well with a ceiling fan and slider windows. Holiday Park is a premier land-owned, DEEDED community offering an exceptional lifestyle with a low monthly maintenance fee of $195 ($2,340.00/year), conveniently included in your tax bill. Residents enjoy access to two well-appointed clubhouses, two inviting swimming pools, and a comprehensive fitness center, ensuring ample opportunities for relaxation and recreation. The community is designed for active living, featuring tennis, pickleball, and bocce ball courts, along with a variety of indoor and outdoor games such as billiards, shuffleboard, and horseshoes. With ping pong tables, a card room, and dart boards, residents can engage in numerous social activities, all set within a beautifully landscaped park-like environment.

  17. 1974-09-01
    soldstatus $23,400

ⓘ 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
$3,640 · $303/mo
Projected year-2 tax
$3,640 · $303/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 6/10 Major FEMA zone X (shaded) · 62% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 27 d/yr by 30 yrs out
  • 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
  • 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 3 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$18,354
− Mortgage interest
−$5,041
− Property taxes
−$3,640
− Insurance
−$450
− Repairs & maintenance
−$1,468
− Management
−$1,468
− HOA
−$2,340
− Depreciation
−$2,618
Taxable income
$1,327
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$319
After-tax cash flow
$2,087/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
Sarasota
NCES district ID
1201680
Math proficiency
63% ▼ -8.00%
Reading proficiency
63% ▼ -3.00%
Median HH income
$51,167
Composite
53.68/100
National rank
#1428
State rank
#7 of 73 in FL

Livability — North Port

Score
75/100
State rank
#252
US rank
#3975

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
North Port, FL
County
Sarasota County · 448,376 people
City population
75,324
Metro
North Port-Sarasota-Bradenton, FL
Population (ZIP)
25,929
Household income
$63,464
Rent vs Own
19.1% rent · 80.9% own
Severe rent burden
522.0

Population outlook (Sarasota County) Hauer SSP2

Today (2025)
452,380 people
By 2030
474,175 · +4.8%
By 2040
511,577 · +13.1%
By 2050
541,467 · +19.7%
By 2075
604,947 · +33.7%
By 2100
621,965 · +37.5%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (77%)
Race & ethnicity
White 77% Hispanic / Latino 14% Two or more races 7% Asian 4% Black 3%
Hispanic origin (detail)
Mexican 2% Puerto Rican 3% Cuban 3% Dominican 1%
Common ancestry
Romanian 4% Scotch-Irish 3% Lithuanian 3%
Foreign-born
16% · Canada, Philippines
Languages at home
81% English-only · Spanish 8% Russian/Polish/Slavic 5% French/Haitian/Cajun 2%

Political lean MEDSL · Sarasota

2024 margin
R (+18.2) · D 40.5% · R 58.7%
2008→2024 swing
-18.1pp toward R · 2008: -0.1pp · 2024: -18.2pp
All cycles
2024: R+18.2 2020: R+10.4 2016: R+11.6 2012: R+7.4 2008: R+0.1

Not yet ingested

Civics

Market trends

HPI YoY
▼ -70.89%
Current HPI
280.8484
Rent YoY
▲ 0.26%
Metro
North Port-Sarasota-Bradenton, FL
State GDP YoY
▲ 3.28%
F500 in state
36

Industry mix (Fortune 500 HQ in FL)

Industry F500 HQs Revenue

Price history

+284.6% since first listed
3 events — show timeline
  • 2025-12-23 Price Changed $90,000 Stellar MLS as Distributed by MLS Grid
  • 2025-11-21 Listed $110,000 Stellar MLS as Distributed by MLS Grid
  • 1974-09-01 Sold (Public Records) $23,400 Public Records

Property tax history

+4.7%/yr

Latest (2025): $3,640 · -2.9% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…