39140 Orient Ave · Zephyrhills North, FL 33542

$125,000

3 bd · 2.0 ba · 924 sqft · Manufactured public records · 286 Days on market

Built 2000 10,598 sqft lot Est $114k · 10% over ↓ 13% since listing

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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 +26.6/30.0
• DSCR +9.1/10.0
• 1% rule +7.1/10.0
• Schools +4.3/10.0
• Livability +3.1/5.0
• ARV discount +3.0/15.0
• Condition / age +2.5/5.0
• Rent growth +1.6/5.0
• Appreciation +0.0/10.0

Listing remarks

Affordable 3 Bedroom, 2 Bath Mobile Home! Don’t miss this fantastic opportunity to own this 3 bedroom, 2-bathroom single wide mobile home situated on a spacious lot. This home features a split bedroom floor plan, an open living room and kitchen area. The primary suite includes a private bath and walk-in closet, while two additional bedrooms creates flexibility for family, guests, or a home office. Whether you're a first-time buyer, investor, or looking to downsize with room to grow, this property delivers both value and potential.

Key facts

• Private bath
• Walk-in closet
• 0.24 acre lot

Tags

• SPLIT BEDROOM FLOOR PLAN
• OPEN LIVING AND KITCHEN AREA
• PRIVATE BATH
• WALK-IN CLOSET

Property features AI

Finance

• Other: Property zoned RMH; Approximately 0.24 acre lot (about 985 m²); Single lot; No waterfront; Homestead status indicated
• Financial info:
• HOA & community: No HOA association indicated

Exterior

• Parking:
• Security:
• Utilities: Public water; Septic sewer; Electricity connected
• Home design: Manufactured single-wide home; Residential property; Faces east; One story
• Construction: Metal siding; Shingle roof; Crawlspace foundation; Built as a manufactured home
• Exterior features: Other exterior features; Dirt road access

Interior

• Kitchen: Dishwasher; Range; Refrigerator; Electric water heater
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Open floor plan
• Laundry & utility: Washer hookup; Other laundry features

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $125k.

Deal economics

• At list price, monthly cash flow is $335 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $110k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.5% vs local median 7.6% in Zephyrhills North — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 61/100 on livability (#787 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime A-; Watch: amenities F, commute F, employment F.
• 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: Woodland Elementary School (math 30% / reading 31%, grade F, #1,862 of 2,144 statewide, top 88%, 802 students, 82% 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 33% at this address vs 51% district-wide (-18 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; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• This rent runs 37% of the median local income ($49k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $864 of loan paydown is wiped out by about $4k 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 286 days — a 12% lower offer ($110k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $25k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $110,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 286 days. Have you received any prior offers? Is the seller open to a 12% 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 1.21% ✓
• Cap rate: 9.51%
• Cash-on-cash: 11.49%
• DSCR: 1.51
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $113,652
• Comps found: 11

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
39115 Ola Ave	0.08mi	2/2.0 (-1)	960 (+4%)	1mo	$120,000	$125	84
39153 Hillcrest Dr	0.23mi	2/1.5 (-1)	932 (+1%)	5mo	$70,000	$75	77
6246 Midland St	0.32mi	3/2.0	960 (+4%)	4mo	$101,000	$105	75
39033 Flora Ave	0.16mi	2/1.0 (-1)	903 (-2%)	7mo	$85,000	$94	74
39047 Hillcrest Dr	0.23mi	2/2.0 (-1)	896 (-3%)	8mo	$100,000	$112	73
38700 Granger Ln	0.51mi	2/2.0 (-1)	960 (+4%)	12mo	$150,000	$156	55
38732 Vulcan Cir	0.53mi	2/2.0 (-1)	966 (+4%)	12mo	$137,900	$143	53
38723 Vulcan Cir	0.49mi	2/2.0 (-1)	1,056 (+14%)	4mo	$140,000	$133	45
38541 Windflower Ave	0.62mi	2/1.0 (-1)	825 (-11%)	4mo	$65,000	$79	41
39519 Rockford Ave	0.69mi	2/1.5 (-1)	844 (-9%)	11mo	$120,000	$142	37
38742 Vulcan Cir	0.57mi	2/2.0 (-1)	1,056 (+14%)	11mo	$130,000	$123	35

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: -2.6%
• Equity multiple: 0.90×
• Total profit: $-3,335
• Equity at exit: $18,638

10-year hold

• IRR: 3.4%
• Equity multiple: 1.21×
• Total profit: $7,486
• Equity at exit: $10,808

Cash invested: $35,000 (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: 6.9×

Monthly cashflow live

• Estimated rent: $1,518 high
• Mortgage (P&I): −$656
• Tax est. 1.5%: −$156 /mo · $1,875/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$319
• Net cashflow: $335

Break-even live

Break-even rent $1,093

Max offer price $125,000

Occupancy floor 73%

Sensitivity live

Price	-10% $422	-5% $378	+0% $335	+5% $292	+10% $249
Rent	-10% $215	-5% $275	+0% $335	+5% $395	+10% $455
Rate	-1.0pp $398	-0.5pp $367	base $335	+0.5pp $303	+1.0pp $270

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
39132 County Rd Zephyrhills, FL	2.0	2.0	864	$1,500	$1.74	25d	1	0.08mi
39132 County Road 54 #2184 Zephyrhills, FL	2.0	2.0	864	$1,500	$1.74	25d	1	0.08mi
38748 Calumet Ave Zephyrhills, FL	2.0	1.0	750	$1,100	$1.47	6d	1	0.41mi
38939 North Ave Unit 2 Zephyrhills, FL	2.0	1.0	870	$1,300	$1.49	19d	1	0.53mi
38647 Rose Ln Zephyrhills, FL	2.0	1.0	814	$1,350	$1.66	25d	1	0.66mi
38621 Rose Ln Zephyrhills, FL	2.0	1.0	1040	$1,495	$1.44	0d	1	0.70mi
38485 County Road 54 Zephyrhills, FL	2.0	1.0	800	$1,100	$1.38	25d	1	0.70mi
6788 Basswood Cir Zephyrhills, FL	2.0	2.0	1067	$1,250	$1.17	25d	1	0.74mi
38942 9th Ave Zephyrhills, FL	2.0	1.0	850	$1,425	$1.68	25d	1	0.83mi
38350 Ironwood Pl #5 Zephyrhills, FL	2.0	2.0	1094	$1,800	$1.65	25d	1	0.83mi
5647 20th St Zephyrhills, FL	2.0	1.0	850	$1,425	$1.68	25d	1	0.84mi
5652 18th St Zephyrhills, FL	2.0	1.0	976	$1,200	$1.23	25d	1	0.85mi
6052 10th St Zephyrhills, FL	2.0	1.0	644	$1,200	$1.86	25d	1	0.87mi
5532 Jennie St Zephyrhills, FL	2.0	2.0	862	$1,100	$1.28	14d	1	0.95mi
5542 20th St Unit 1234473P Zephyrhills, FL	2.0	2.0	839	$3,199	$3.81	4d	1	0.96mi
5532 20th St Unit 1234470P Zephyrhills, FL	2.0	2.0	839	$7,732	$9.22	0d	1	0.96mi
5548 Annette St Zephyrhills, FL	2.0	1.0	652	$1,049	$1.61	14d	1	0.96mi
5600 Jennie St Zephyrhills, FL	2.0	2.0	730	$1,100	$1.51	25d	1	0.97mi
5603 Eugene Dr Zephyrhills, FL	2.0	1.0	652	$1,049	$1.61	14d	1	0.97mi
5552 Annette St Zephyrhills, FL	2.0	1.0	652	$1,049	$1.61	25d	1	1.00mi
38552 9th Ave Zephyrhills, FL	4.0	2.0	1052	$2,100	$2.00	21d	1	1.05mi
5441 6th St Zephyrhills, FL	2.0	1.0	1014	$1,650	$1.63	25d	1	1.42mi
37814 Daughtery Rd Zephyrhills, FL	2.0	1.0	1070	$1,395	$1.30	6d	1	1.42mi
37732 Cecil Ln Zephyrhills, FL	3.0	1.0	1040	$1,800	$1.73	25d	1	1.43mi

Listing history 19 events

1. 2026-06-18
   days on market $125,000 Active 286 DOM
2. 2026-06-17
   days on market $125,000 Active 285 DOM
3. 2026-06-16
   days on market $125,000 Active 284 DOM
4. 2026-06-15
   price $125,000 Active 283 DOM
5. 2026-06-15
   days on market $130,000 Active 283 DOM
6. 2026-06-13
   days on market $130,000 Active 281 DOM
7. 2026-06-09
   days on market $130,000 Active 277 DOM
8. 2026-06-08
   days on market $130,000 Active 276 DOM
9. 2026-06-07
   days on market $130,000 Active 275 DOM
10. 2026-06-04
    days on market $130,000 Active 272 DOM
11. 2026-06-03
    days on market $130,000 Active 271 DOM
12. 2026-06-02
    days on market $130,000 Active 270 DOM
13. 2026-06-01
    days on market $130,000 Active 269 DOM
14. 2026-05-31
    days on market $130,000 Active 268 DOM
15. 2026-04-14
    price $130,000
16. 2026-01-16
    status Active
17. 2026-01-16
    price $135,000
18. 2025-12-31
    historical
19. 2025-08-20
    listed $149,900 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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 · 25 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,213
• − Mortgage interest: −$7,002
• − Property taxes: −$1,875
• − Insurance: −$625
• − Repairs & maintenance: −$1,457
• − Management: −$1,457
• − Depreciation: −$3,636
• Taxable income: $2,160
• Est. tax owed @ 24.0%: −$518
• After-tax cash flow: $3,503/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 North

• Score: 61/100
• State rank: #787
• US rank: #18026

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Zephyrhills North, 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

-13.3% since first listed

5 events — show timeline

• 2026-04-14 Price Changed $130,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-16 Price Changed $135,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-08-20 Listed $149,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+5.2%/yr

Latest (2025): $210 · +3.7% YoY. Source: county tax records.