5334 Comanche St · Zephyrhills West, FL 33542

$207,000

3 bd · 2.0 ba · 1,344 sqft · Manufactured public records · 16 Days on market

Built 1982 5,529 sqft lot Est $200k · at est. $37/mo HOA · 2% of rent

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Why this score? — see what drove the D 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 +14.6/30.0
• ARV discount +6.0/15.0
• DSCR +4.5/10.0
• Schools +4.3/10.0
• 1% rule +4.2/10.0
• Livability +3.1/5.0
• Condition / age +2.5/5.0
• Rent growth +1.6/5.0
• Appreciation +0.0/10.0

Listing remarks

Charming Doublewide Home with Expansive Living Space in the Betmar Acres Community. Discover the perfect blend of comfort and style in this spacious home, offering a total of 2,936 square feet of generously designed living space, ideal for those seeking the perfect retreat in sunny central Florida. 2 spacious bedrooms and 2 full bathrooms, make this home perfect for guests or family. Enjoy the fresh air on your 10'x34' covered front porch, inviting raised screen room, or the street-level Florida room which features a breezeway, ceiling fan, and tile floors. An attached 10'x32' utility/laundry/workshop includes wall AC and convenient double doors for parking the included Club Car golf cart.

Key facts

• Covered front porch
• Raised screen room
• Stylish entry foyer

Tags

• EXPANSIVE LIVING SPACE
• COVERED FRONT PORCH
• RAISED SCREEN ROOM
• FLORIDA ROOM
• UTILITY LAUNDRY WORKSHOP
• STYLISH ENTRY FOYER

Property features AI

Finance

• Other: Turnkey furnished option indicated; Total building area and living area per public records
• Financial info: Lease restrictions apply
• HOA & community: HOA (Betmar Acres) with required approval; Monthly HOA approx. $37.33 (annual $448); Association fee includes common area taxes, grounds maintenance, and security; Community amenities: clubhouse, pool, spa/hot tub, tennis, pickleball, basketball and shuffleboard courts, golf course access, park, dog park, sidewalks, street lights, storage, recreation facilities; golf carts allowed; deed restrictions; buyer approval required; Senior community; Pets not allowed

Exterior

• Parking: Driveway; Off-street parking; Golf cart garage/parking; Carport (1 space)
• Security: Security lights; Community security included in association
• Utilities: Public water; Public sewer; Electricity connected; Electric water heater; Fiber optics; Cable available; BB/HS internet available; Phone available; Fire hydrant nearby; Sewer connected; Water connected; Generator and satellite dish on property
• Home design: Manufactured home (double wide); One level; Faces west; Completed condition
• Construction: Metal siding; Vinyl siding; Membrane roof; Metal roof; Crawlspace / Pillar/Post/Pier / Stem wall foundation; Built in (structure type: double wide manufactured)
• Exterior features: Front porch; Side porch; Patio; Screened porch; Sliding doors; Exterior lighting; Rain gutters; Rain barrel/cistern(s); Storage; Mature landscaping; Level, landscaped lot near golf course; Paved (asphalt) roads, public maintained

Interior

• Kitchen: Built-in oven; Cooktop; Range hood; Microwave; Dishwasher; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Concrete; Laminate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air; Wall/window unit(s)
• Interior features: Built-in features; Cathedral ceilings; Ceiling fans; Thermostat; Walk-in closets; Window treatments (blinds, drapes, rods); Security lights
• Laundry & utility: Washer hookup; Electric dryer hookup; Washer and dryer included

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $207k.

Deal economics

• At list price, monthly cash flow is $49 ($591/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 $191k (7.7% below list).
• Recommended offer: $191k (7.7% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 61/100 on livability (#772 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: amenities F, commute F, employment D-.
• 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: West Zephyrhills Elementary School (math 27% / reading 32%, grade F, #1,896 of 2,144 statewide, top 90%, 615 students, 81% 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 76% FRL vs 48% district-wide (27 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 32% at this address vs 51% district-wide (-19 pts) — the specific schools serving this property underperform the Pasco average; the district grade overstates school quality for this exact location.
• Market conditions: Rents falling (-3.6%/yr); 297 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• At $1,910/mo this rent would consume 46% of the median local household income ($49k/yr) (locally 831% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k 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 16 days — a 2% lower offer ($204k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $86k; list at $207k implies a 141% 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; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $191,030 (7.7% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
5. 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.
6. 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.
7. 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: 0.92% ✗
• Cap rate: 6.58%
• Cash-on-cash: 1.02%
• DSCR: 1.05
• GRM: 9.0

CMA / ARV

• ARV (on-the-fly): $200,256
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
36615 Dina Dr	0.33mi	2/2.0 (-1)	1,360 (+1%)	3mo	$160,000	$118	75
5421 Powhattan St	0.10mi	2/2.0 (-1)	1,232 (-8%)	3mo	$145,000	$118	74
5350 Amanda St	0.37mi	2/2.0 (-1)	1,268 (-6%)	2mo	$195,000	$154	67
5339 Montego Dr	0.37mi	2/2.0 (-1)	1,248 (-7%)	4mo	$160,000	$128	63
5823 Navaho Ct	0.47mi	2/2.0 (-1)	1,410 (+5%)	3mo	$210,000	$149	62
5404 Waters St	0.22mi	3/2.0	1,146 (-15%)	3mo	$146,000	$127	62
36825 Kiowa Ave	0.50mi	2/2.0 (-1)	1,404 (+4%)	4mo	$205,000	$146	61
5654 Arrowhead Dr	0.35mi	2/2.0 (-1)	1,144 (-15%)	1mo	$165,000	$144	53
36743 Tara Ave	0.52mi	3/2.0	1,152 (-14%)	1mo	$195,000	$169	52
36743 Kiowa Ave	0.48mi	2/2.0 (-1)	1,511 (+12%)	1mo	$240,000	$159	51
36847 Jodi Ave	0.44mi	2/2.0 (-1)	1,152 (-14%)	2mo	$194,500	$169	49
36946 Tara Ave	0.58mi	2/2.0 (-1)	1,144 (-15%)	1mo	$197,000	$172	42

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: -18.1%
• Equity multiple: 0.38×
• Total profit: $-35,957
• Equity at exit: $30,864

10-year hold

• IRR: -17.9%
• Equity multiple: 0.16×
• Total profit: $-48,715
• Equity at exit: $17,898

Cash invested: $57,960 (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 33542

• Home prices YoY: -20.6%
• Rents YoY: -3.6%
• Active inventory: 297
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,910 high
• Mortgage (P&I): −$1,086
• Tax from tax record: −$251 /mo · $3,013/yr
• Insurance: −$86
• HOA: −$37
• Vacancy / Maint / Mgmt: −$401
• Net cashflow: $49

Break-even live

Break-even rent $1,848

Max offer price $207,000

Occupancy floor 92%

Sensitivity live

Price	-10% $166	-5% $108	+0% $49	+5% $-9	+10% $-68
Rent	-10% $-102	-5% $-26	+0% $49	+5% $125	+10% $200
Rate	-1.0pp $154	-0.5pp $102	base $49	+0.5pp $-4	+1.0pp $-59

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: $51,750
• Closing costs: $6,210
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5137 Benjamin Eric St Zephyrhills, FL	3.0	2.5	1634	$2,050	$1.25	1d	1	0.66mi
5914 Willow Ridge Dr #101 Zephyrhills, FL	2.0	2.0	987	$1,500	$1.52	26d	1	0.67mi
36321 Stonewood Ln #103 Zephyrhills, FL	2.0	2.0	987	$1,525	$1.55	26d	1	0.68mi
5521 Barbara St Zephyrhills, FL	2.0	2.0	1056	$1,800	$1.70	26d	1	0.70mi
36243 Lake Chase Blvd #203 Zephyrhills, FL	3.0	2.0	1278	$1,775	$1.39	26d	1	0.71mi
35940 Inspiration Dr Zephyrhills, FL	1.0–3.0	1.0–2.0	1034	$2,201	$2.13	1d	22	0.72mi
36106 Lake Chase Blvd #102 Zephyrhills, FL	3.0	2.0	1170	$1,650	$1.41	6d	1	0.76mi
36106 Lake Chase Blvd Zephyrhills, FL	3.0	2.0	1325	$1,700	$1.28	26d	1	0.76mi
36887 Highland Meadows Ct Zephyrhills, FL	4.0	2.0	1828	$2,250	$1.23	26d	1	0.79mi
36009 Deer Creek Dr #104 Zephyrhills, FL	2.0	2.0	1029	$1,450	$1.41	26d	1	0.87mi
36015 Deer Creek Dr #202 Zephyrhills, FL	2.0	2.0	1062	$1,450	$1.37	26d	1	0.88mi
37373 Sharks Eye Ln Zephyrhills, FL	3.0	2.0	1560	$2,200	$1.41	12d	1	0.93mi
6213 Back Forty Loop Zephyrhills, FL	4.0	2.5	1870	$2,395	$1.28	6d	1	0.94mi
36618 Goffaux Loop Zephyrhills, FL	4.0	2.0	1846	$2,115	$1.15	19d	1	0.96mi
36507 Camp Fire Ter Zephyrhills, FL	3.0	2.0	1537	$2,500	$1.63	26d	1	1.01mi
37472 Sharks Eye Ln Zephyrhills, FL	3.0	2.0	1560	$2,100	$1.35	3d	1	1.02mi
36401 Camp Fire Ter Unit 36401 Zephyrhills, FL	3.0	2.5	1634	$1,895	$1.16	21d	1	1.03mi
36406 Well Hill Way Zephyrhills, FL	3.0	2.5	1634	$2,000	$1.22	19d	1	1.05mi
5686 Barakat Rd Zephyrhills, FL	4.0	2.0	1828	$2,300	$1.26	26d	1	1.06mi
5686 Barakat Rd Zephyrhills, FL	4.0	2.0	1867	$2,250	$1.21	16d	1	1.06mi
36352 Well Hill Way Zephyrhills, FL	3.0	2.5	1634	$1,950	$1.19	4d	1	1.06mi
36403 Well Hill Way Zephyrhills, FL	3.0	2.5	1528	$2,200	$1.44	26d	1	1.08mi
37643 Leafside Ln Zephyrhills, FL	2.0	2.5	1541	$1,840	$1.19	23d	1	1.13mi
4850 Foliage Rd Zephyrhills, FL	2.0	2.5	1541	$1,780	$1.16	23d	1	1.15mi
6302 Abbott Station Dr Zephyrhills, FL	3.0	1.0–2.5	855	$1,999	$2.34	0d	141	1.18mi
37714 Leafside Ln Zephyrhills, FL	2.0	2.5	1541	$1,855	$1.20	16d	1	1.20mi
37711 Leafside Ln Zephyrhills, FL	2.0	2.5	1541	$1,765	$1.15	16d	1	1.21mi
37726 Leafside Ln Zephyrhills, FL	3.0	2.5	1634	$1,985	$1.21	23d	1	1.21mi
36095 Carriage Pine Ct Zephyrhills, FL	3.0	2.0	1461	$1,990	$1.36	26d	1	1.23mi
37812 15th Ave Zephyrhills, FL	2.0	2.0	1000	$1,850	$1.85	26d	1	1.28mi
37902 7th Ave Zephyrhills, FL	3.0	1.0	900	$1,775	$1.97	26d	1	1.30mi
6249 Maisai Rd #6 Zephyrhills, FL	3.0	2.5	1561	$1,550	$0.99	4d	1	1.34mi
4111 Ryals Rd Zephyrhills, FL	4.0	3.0	1216	$2,195	$1.81	5d	1	1.34mi
6262 Maisie Rd Zephyrhills, FL	3.0	2.5	1363	$1,700	$1.25	26d	1	1.37mi
5237 1st St Zephyrhills, FL	3.0	1.0	964	$1,700	$1.76	26d	1	1.38mi
5143 1st St Zephyrhills, FL	3.0	2.0	1436	$1,750	$1.22	26d	1	1.39mi
6335 Maisie Rd Zephyrhills, FL	3.0	2.5	1363	$1,650	$1.21	22d	1	1.39mi
4820 Foliage Rd Zephyrhills, FL	2.0	2.5	1541	$1,780	$1.16	23d	1	1.40mi
37688 Leafside Ln Zephyrhills, FL	3.0	2.5	1634	$1,935	$1.18	26d	1	1.40mi
37685 Leafside Ln Zephyrhills, FL	3.0	2.5	1634	$1,970	$1.21	6d	1	1.40mi

HOA detail

• Monthly dues: $37 · $444/yr

Listing history 10 events

1. 2026-06-22
   days on market $207,000 Active 16 DOM
2. 2026-06-18
   days on market $207,000 Active 13 DOM
3. 2026-06-17
   days on market $207,000 Active 12 DOM
4. 2026-06-16
   days on market $207,000 Active 11 DOM
5. 2026-06-15
   days on market $207,000 Active 10 DOM
6. 2026-06-13
   days on market $207,000 Active 8 DOM
7. 2026-06-09
   days on market $207,000 Active 4 DOM
8. 2026-06-08
   days on market $207,000 Active 3 DOM
9. 2026-06-07
   remarks 699-char remark
10. 2026-06-07
    listed $207,000 Active 2 DOM

ⓘ 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: $3,013 · $251/mo
• Projected year-2 tax: $3,013 · $251/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 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°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 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,924
• − Mortgage interest: −$11,595
• − Property taxes: −$3,013
• − Insurance: −$1,035
• − Repairs & maintenance: −$1,834
• − Management: −$1,834
• − HOA: −$444
• − Depreciation: −$6,022
• Taxable loss: −$2,853
• Est. tax savings @ 24.0%: +$685
• After-tax cash flow: $1,276/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: 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

Livability — Zephyrhills West

• Score: 61/100
• State rank: #772
• US rank: #17403

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Zephyrhills West, FL
• County: Pasco County · 524,098 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 23,612
• Household income: $49,316
• Rent vs Own: 27.5% rent · 72.5% own
• Severe rent burden: 831.0

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%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (76%)
• Race & ethnicity: White 76% Hispanic / Latino 17% Two or more races 8% Black 4% Asian 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 10%
• Common ancestry: Lithuanian 3% Romanian 2% Iranian 2%
• Foreign-born: 5% · Canada, Jamaica
• Languages at home: 86% English-only · Spanish 12% Other Indo-European 1% Russian/Polish/Slavic 1%

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: ▼ -81.25%
• Current HPI: 313.3993
• Rent YoY: ▼ -3.56%
• Metro: Tampa-St. Petersburg-Clearwater, 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

+1625.0% since first listed

5 events — show timeline

• 2026-06-05 Listed $207,000 Stellar MLS as Distributed by MLS Grid
• 2010-01-25 Sold (Public Records) $86,000 Public Records
• 1996-11-08 Sold (Public Records) $68,500 Public Records
• 1985-07-01 Sold (Public Records) $67,700 Public Records
• 1981-07-01 Sold (Public Records) $12,000 Public Records

Property tax history

+12.6%/yr

Latest (2025): $3,013 · +5.9% YoY. Source: county tax records.