14242 Action St · Brookridge, FL 34613

$215,000

3 bd · 2.0 ba · 1,512 sqft · Manufactured public records · 72 Days on market

Built 1991 6,519 sqft lot Est $206k · at est. $55/mo HOA · 3% 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 +16.9/30.0
• ARV discount +5.4/15.0
• DSCR +5.3/10.0
• Schools +4.2/10.0
• 1% rule +3.9/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

THIS IS A BEAUTY WELL TAKEN CARE OF 3/2/2/ SPLIT PLAN, OPEN FLOOR PLAN LIGHT AND BRIGHT , Cathedral CEILINGS, LAMINATED FLOORS THROUGH OUT, INSIDE LAUNDRY , NICE FLORIDA ROOM ,

Key facts

• 6,519 sq ft lot
• Garage
• Community pool

Property features AI

Finance

• Other: Homestead exempt; Lot approximately 0.15 acre (60x100)
• Financial info: Lease restrictions apply; Total annual fees $660
• HOA & community: Has HOA (monthly fee $55; buyer approval required); Association name: Alexia Courson; Community features include clubhouse, fitness center, golf, pool, tennis courts, sidewalks, deed restrictions, golf carts allowed; Senior community; Pets allowed with limits

Exterior

• Parking: Driveway; Attached garage (1 garage space); Carport (1 carport space)
• Utilities: Public water; Public sewer; Electricity available; Water available
• Home design: Manufactured home (double wide); Residential property; One story; Faces northwest; Completed condition
• Construction: Vinyl siding; Metal roof; Built on crawlspace
• Exterior features: Sidewalk; Asphalt road surface

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator; Kitchen reverse osmosis system; Water softener
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Crawlspace foundation
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Crown molding; Eat-in kitchen; Open floorplan
• Laundry & utility: Laundry room inside the home

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $215k.

Deal economics

• At list price, monthly cash flow is $143 ($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 $191k (11.4% below list).
• Recommended offer: $191k (11.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#421 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, health & safety C-, amenities F.
• Hernando (suburban): math 50% / reading 50% proficiency, ranked #38 of 73 in FL (top 52%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Pine Grove Elementary School (math 60% / reading 45%, grade C-, #976 of 2,144 statewide, top 46%, 991 students, 60% FRL); Central High School (math 34% / reading 44%, grade F, #312 of 667 statewide, top 48%, 1,426 students, 53% FRL) — zoned schools at 56% FRL track the district average.
• Market conditions: 691 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 2,505 units permitted in Hernando County in 2024 (318 in 5+ unit buildings).
• This rent runs 39% of the median local income ($59k/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 $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Hernando County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 72 days — a 6% lower offer ($202k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 11y 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 $82k; list at $215k implies a 161% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $190,564 (11.4% below list)

Questions for the listing agent

1. It's been on market 72 days. Have you received any prior offers? Is the seller open to a 11% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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?
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: 0.89% ✗
• Cap rate: 7.09%
• Cash-on-cash: 2.84%
• DSCR: 1.13
• GRM: 9.4

CMA / ARV

• ARV (on-the-fly): $205,632
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14298 Action St	0.10mi	2/2.0 (-1)	1,448 (-4%)	2mo	$210,000	$145	82
14761 Rialto Ave	0.29mi	2/2.0 (-1)	1,512 (0%)	2mo	$181,000	$120	80
14440 Rialto Ave	0.03mi	3/2.0	1,680 (+11%)	2mo	$168,000	$100	78
14311 Action St	0.13mi	3/2.0	1,369 (-10%)	1mo	$230,000	$168	77
14279 Midmoor Blvd	0.44mi	2/2.0 (-1)	1,512 (0%)	3mo	$250,000	$165	72
14221 Midmoor Blvd	0.39mi	2/2.0 (-1)	1,550 (+2%)	1mo	$198,000	$128	72
16229 Brookridge Blvd	0.36mi	3/2.0	1,380 (-9%)	0mo	$215,000	$156	68
14232 Rialto Ave	0.37mi	2/2.0 (-1)	1,448 (-4%)	3mo	$164,000	$113	68
9256 Salisbury Dr	0.28mi	2/2.0 (-1)	1,344 (-11%)	2mo	$178,000	$132	61
9155 Fontaine Dr	0.22mi	2/2.0 (-1)	1,296 (-14%)	2mo	$172,200	$133	60
9175 Denmarsh Dr	0.44mi	3/2.0	1,728 (+14%)	2mo	$235,000	$136	54
8305 Weatherford Ave	0.70mi	2/2.0 (-1)	1,314 (-13%)	1mo	$193,000	$147	40

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -11.8%
• Equity multiple: 0.57×
• Total profit: $-25,810
• Equity at exit: $32,057

10-year hold

• IRR: -2.7%
• Equity multiple: 0.82×
• Total profit: $-10,978
• Equity at exit: $18,589

Cash invested: $60,200 (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.

Methodology + full state rankings →

ZIP-level market 34613

• Home prices YoY: -17.2%
• Active inventory: 691
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $1,906 high
• Mortgage (P&I): −$1,127
• Tax from tax record: −$91 /mo · $1,091/yr
• Insurance: −$90
• HOA: −$55
• Vacancy / Maint / Mgmt: −$400
• Net cashflow: $143

Break-even live

Break-even rent $1,725

Max offer price $215,000

Occupancy floor 88%

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: $53,750
• Closing costs: $6,450
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8871 Southern Charm Cir Brooksville, FL	3.0	2.0	1482	$2,050	$1.38	24d	1	0.17mi
8761 Fetterbush Ct Brooksville, FL	3.0	2.0	1730	$1,850	$1.07	24d	1	0.18mi
8917 Southern Charm Cir Brooksville, FL	3.0	2.0	1437	$1,695	$1.18	3d	1	0.20mi
9289 Scepter Ave Brooksville, FL	3.0	2.0	1512	$1,400	$0.93	5d	1	0.47mi
9919 Scepter Ave Brooksville, FL	3.0	2.0	1188	$1,250	$1.05	5d	1	0.49mi
8407 Weatherford Ave Brooksville, FL	2.0	2.0	1104	$1,500	$1.36	17d	1	0.54mi
14131 Lemon Yellow Tree Ln Brooksville, FL	3.0	2.0	1840	$1,979	$1.08	5d	1	0.56mi
9356 Southern Charm Cir Brooksville, FL	3.0	2.0	1621	$1,800	$1.11	24d	1	0.59mi
14697 Brookridge Blvd Brooksville, FL	2.0	2.0	1056	$1,350	$1.28	24d	1	1.31mi
13020 Sun Rd Brooksville, FL	2.0	2.0	1424	$1,700	$1.19	24d	1	1.39mi

HOA detail

• Monthly dues: $55 · $660/yr

Listing history 25 events

1. 2026-06-18
   days on market $215,000 Active 72 DOM
2. 2026-06-17
   days on market $215,000 Active 71 DOM
3. 2026-06-16
   days on market $215,000 Active 70 DOM
4. 2026-06-15
   days on market $215,000 Active 69 DOM
5. 2026-06-13
   days on market $215,000 Active 67 DOM
6. 2026-06-13
   days on market $215,000 Active 66 DOM
7. 2026-06-09
   days on market $215,000 Active 63 DOM
8. 2026-06-08
   days on market $215,000 Active 62 DOM
9. 2026-06-07
   days on market $215,000 Active 61 DOM
10. 2026-06-04
    days on market $215,000 Active 58 DOM
11. 2026-06-03
    days on market $215,000 Active 57 DOM
12. 2026-06-02
    days on market $215,000 Active 56 DOM
13. 2026-06-01
    days on market $215,000 Active 55 DOM
14. 2026-05-31
    days on market $215,000 Active 54 DOM
15. 2026-04-07
    listed $215,000 Active
16. 2017-11-30
    soldstatus $82,500
17. 2017-11-19
    soldstatus $82,500 176-char remark

    Show marketing remark (176 chars)

    THIS IS A BEAUTY WELL TAKEN CARE OF 3/2/2/ SPLIT PLAN, OPEN FLOOR PLAN LIGHT AND BRIGHT , Cathedral CEILINGS, LAMINATED FLOORS THROUGH OUT, INSIDE LAUNDRY , NICE FLORIDA ROOM ,

18. 2017-11-19
    soldstatus $82,500 176-char remark

    Show marketing remark (176 chars)

    THIS IS A BEAUTY WELL TAKEN CARE OF 3/2/2/ SPLIT PLAN, OPEN FLOOR PLAN LIGHT AND BRIGHT , Cathedral CEILINGS, LAMINATED FLOORS THROUGH OUT, INSIDE LAUNDRY , NICE FLORIDA ROOM ,

19. 2017-04-24
    listed $84,200 176-char remark

    Show marketing remark (176 chars)

    THIS IS A BEAUTY WELL TAKEN CARE OF 3/2/2/ SPLIT PLAN, OPEN FLOOR PLAN LIGHT AND BRIGHT , Cathedral CEILINGS, LAMINATED FLOORS THROUGH OUT, INSIDE LAUNDRY , NICE FLORIDA ROOM ,

20. 2017-04-24
    listed $84,200 176-char remark

    Show marketing remark (176 chars)

    THIS IS A BEAUTY WELL TAKEN CARE OF 3/2/2/ SPLIT PLAN, OPEN FLOOR PLAN LIGHT AND BRIGHT , Cathedral CEILINGS, LAMINATED FLOORS THROUGH OUT, INSIDE LAUNDRY , NICE FLORIDA ROOM ,

21. 2016-04-14
    soldstatus $73,000
22. 2016-04-08
    soldstatus $73,000
23. 2016-04-08
    soldstatus $73,000
24. 2015-10-09
    listed $78,400
25. 2015-10-09
    listed $78,400

ⓘ 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: $1,091 · $91/mo
• Projected year-2 tax: $1,784 · $149/mo
• Expected delta: +$694/yr (+$58/mo · 63.6%)

ⓘ 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 (unshaded) · 74% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 27 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: $22,868
• − Mortgage interest: −$12,043
• − Property taxes: −$1,091
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,829
• − Management: −$1,829
• − HOA: −$660
• − Depreciation: −$6,255
• Taxable loss: −$1,915
• Est. tax savings @ 24.0%: +$460
• After-tax cash flow: $2,170/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: Hernando
• NCES district ID: 1200810
• Math proficiency: 50% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $41,985
• Composite: 42.03/100
• National rank: #3329
• State rank: #38 of 73 in FL

Livability — Brookridge

• Score: 70/100
• State rank: #421
• US rank: #7529

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Brookridge, FL
• County: Hernando County · 169,677 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 19,337
• Household income: $58,596
• Rent vs Own: 9.2% rent · 90.8% own
• Severe rent burden: 307.0

Population outlook (Hernando County) Hauer SSP2

• Today (2025): 189,218 people
• By 2030: 194,367 · +2.7%
• By 2040: 203,398 · +7.5%
• By 2050: 209,589 · +10.8%
• By 2075: 218,452 · +15.4%
• By 2100: 205,923 · +8.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Hispanic / Latino 6% Two or more races 4% Black 2% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 92% English-only · Spanish 3% French/Haitian/Cajun 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Hernando

• 2024 margin: Solid R (+37.0) · D 31.1% · R 68.2%
• 2008→2024 swing: -33.5pp toward R · 2008: -3.6pp · 2024: -37.0pp
• All cycles: 2024: R+37.0 2020: R+30.2 2016: R+29.0 2012: R+8.5 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -57.51%
• Current HPI: 276.2229
• Rent YoY: —
• 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

+174.2% since first listed

11 events — show timeline

• 2026-04-07 Listed $215,000 Stellar MLS as Distributed by MLS Grid
• 2017-11-30 Sold (Public Records) $82,500 Public Records
• 2017-11-19 Sold (MLS) $82,500 St. Augustine and St. Johns County Board of REALTORS®
• 2017-11-19 Sold (MLS) $82,500 HCAR
• 2017-04-24 Listed $84,200 St. Augustine and St. Johns County Board of REALTORS®
• 2017-04-24 Listed $84,200 HCAR
• 2016-04-14 Sold (Public Records) $73,000 Public Records
• 2016-04-08 Sold (MLS) $73,000 St. Augustine and St. Johns County Board of REALTORS®
• 2016-04-08 Sold (MLS) $73,000 HCAR
• 2015-10-09 Listed $78,400 St. Augustine and St. Johns County Board of REALTORS®
• 2015-10-09 Listed $78,400 HCAR

Property tax history

+6.1%/yr

Latest (2025): $1,091 · +0.6% YoY. Source: county tax records.