2114 Timber Ln · Sebring, FL 33872

$37,000

2 bd · 1.5 ba · 1,170 sqft · SingleFamily · 135 Days on market

Built 1986

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +3.6/10.0
• Livability +3.3/5.0
• Rent growth +2.9/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

For Sale: 2 Bed / 1.5 Bath Mobile Home Sebring, FL 2114 Timber Ln, Sebring, FL 33872 2 Bedrooms | 1.5 Bathrooms Property Type: Mobile Home This well-maintained 2-bedroom, 1.5-bath mobile home is located in a quiet Wood Haven Estates neighborhood and offers a comfortable, functional layout perfect for full-time living, a seasonal residence, or an investment opportunity. Features include: ~ Bright living area with natural light ~ Functional kitchen with ample cabinet space ~ Dedicated laundry area with washer & dryer ~ Spacious bedrooms with storage ~ Quiet street in an established area Conveniently located near shopping, dining, medical facilities, and recreational amenities Sebri

Key facts

• Functional kitchen
• Quiet street
• Built 1986

Tags

• FUNCTIONAL KITCHEN
• DEDICATED LAUNDRY AREA
• QUIET STREET

What this means for you Summary

Snapshot

• This is a 2-bed/1.5-bath single-family listed at $37k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $37k).
• Recommended offer: $33k (12.0% below list) — sets the bar for market timing.
• Cap rate 39.2% vs local median 4.3% in Sebring — 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 66/100 on livability (#618 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: schools D, amenities F, commute F.
• Highlands (other): math 45% / reading 43% proficiency, ranked #54 of 73 in FL (top 74%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 68% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+1.6%/yr); 700 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 980 units permitted in Highlands County in 2024 (80 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $256 of loan paydown is wiped out by about $1k of value loss. Plan a longer hold.
• At projected returns (-3.0% appreciation + 1.6% rent growth), your $10k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• It's been on market 135 days — a 12% lower offer ($33k) is reasonable based on typical stale-listing flexibility.

Recommended offer $32,560 (12.0% below list)

Questions for the listing agent

1. It's been on market 135 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 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?
5. 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?
6. 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.
7. 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.
8. 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: 4.35% ✓
• Cap rate: 39.19%
• Cash-on-cash: 117.50%
• DSCR: 6.23
• GRM: 1.9

CMA / ARV

• ARV (on-the-fly): $207,090
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1535 Caribbean Rd	0.38mi	2/2.0	1,151 (-2%)	1mo	$142,500	$124	77
2024 Ashley Oaks Cir	0.62mi	2/2.0	1,232 (+5%)	2mo	$215,000	$175	58
3205 Jacklin Ave	0.63mi	3/2.0 (+1)	1,154 (-1%)	10mo	$110,000	$95	53
326 Meadowlark Ave	0.60mi	3/2.0 (+1)	1,193 (+2%)	12mo	$227,500	$191	51
812 Golfside Ln	0.69mi	2/2.0	1,125 (-4%)	14mo	$185,000	$164	48
301 Tanager Ave	0.50mi	3/2.0 (+1)	1,247 (+7%)	14mo	$260,000	$209	47
212 Roadrunner Ave	0.45mi	3/2.0 (+1)	1,263 (+8%)	15mo	$256,990	$203	46
337 Pelican Ave	0.68mi	3/2.0 (+1)	1,206 (+3%)	15mo	$214,000	$177	44
317 Brant Ave	0.58mi	2/1.0	1,050 (-10%)	16mo	$185,000	$176	41
2038 Ashley Oaks Cir	0.60mi	2/2.0	1,299 (+11%)	16mo	$205,000	$158	38
339 Vireo Ave	0.63mi	3/2.0 (+1)	1,334 (+14%)	4mo	$327,000	$245	37
328 Roadrunner Ave	0.69mi	2/2.0	1,036 (-12%)	13mo	$200,000	$193	36

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 · 1.65% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 6.45×
• Total profit: $56,484
• Equity at exit: $5,517

10-year hold

• IRR: —
• Equity multiple: 12.96×
• Total profit: $123,874
• Equity at exit: $3,199

Cash invested: $10,360 (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 33872

• Home prices YoY: -25.8%
• Rents YoY: 1.6%
• Active inventory: 700
• Price-to-rent: 1.9×

Monthly cashflow live

• Estimated rent: $1,608 medium
• Mortgage (P&I): −$194
• Tax est. 1.5%: −$46 /mo · $555/yr
• Insurance: −$15
• HOA: −$0
• Vacancy / Maint / Mgmt: −$338
• Net cashflow: $1,014

Break-even live

Break-even rent $324

Max offer price $37,000

Occupancy floor 32%

Sensitivity live

Price	-10% $1,040	-5% $1,027	+0% $1,014	+5% $1,002	+10% $989
Rent	-10% $887	-5% $951	+0% $1,014	+5% $1,078	+10% $1,141
Rate	-1.0pp $1,033	-0.5pp $1,024	base $1,014	+0.5pp $1,005	+1.0pp $995

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: $9,250
• Closing costs: $1,110
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2545 Brunns Rd Sebring, FL	3.0	2.0	1248	$1,600	$1.28	21d	1	0.26mi

Listing history 15 events

1. 2026-06-19
   days on market $37,000 Active 135 DOM
2. 2026-06-18
   days on market $37,000 Active 134 DOM
3. 2026-06-17
   days on market $37,000 Active 133 DOM
4. 2026-06-16
   days on market $37,000 Active 132 DOM
5. 2026-06-15
   days on market $37,000 Active 131 DOM
6. 2026-06-14
   days on market $37,000 Active 129 DOM
7. 2026-06-10
   days on market $37,000 Active 126 DOM
8. 2026-06-09
   days on market $37,000 Active 125 DOM
9. 2026-06-08
   days on market $37,000 Active 124 DOM
10. 2026-06-07
    days on market $37,000 Active 123 DOM
11. 2026-06-02
    days on market $37,000 Active 118 DOM
12. 2026-06-01
    days on market $37,000 Active 117 DOM
13. 2026-05-31
    days on market $37,000 Active 116 DOM
14. 2026-05-30
    days on market $37,000 Active 115 DOM
15. 2026-02-04
    listed $37,000 Active

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

Taxation est. · year 1

• Rental income: $19,293
• − Mortgage interest: −$2,073
• − Property taxes: −$555
• − Insurance: −$185
• − Repairs & maintenance: −$1,543
• − Management: −$1,543
• − Depreciation: −$1,076
• Taxable income: $12,317
• Est. tax owed @ 24.0%: −$2,956
• After-tax cash flow: $9,217/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: Highlands
• NCES district ID: 1200840
• Math proficiency: 45% ▼ -7.00%
• Reading proficiency: 43% ▼ -3.00%
• Median HH income: $35,276
• Composite: 36.42/100
• National rank: #4672
• State rank: #54 of 73 in FL

Livability — Sebring

• Score: 66/100
• State rank: #618
• US rank: #11992

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Highlands County · 98,898 people
• City population: 50,797
• Metro: Sebring-Avon Park, FL
• Population (ZIP): 13,746
• Household income: $69,578
• Rent vs Own: 10.6% rent · 89.4% own
• Severe rent burden: 222.0

Population outlook (Highlands County) Hauer SSP2

• Today (2025): 99,674 people
• By 2030: 99,615 · -0.1%
• By 2040: 99,342 · -0.3%
• By 2050: 98,242 · -1.4%
• By 2075: 93,291 · -6.4%
• By 2100: 79,894 · -19.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (65%)
• Race & ethnicity: White 65% Hispanic / Latino 22% Two or more races 11% Black 5% Asian 4% Native American 1%
• Hispanic origin (detail): Mexican 5% Puerto Rican 9% Cuban 3%
• Common ancestry: Romanian 2% Russian 2% Slovak 2%
• Foreign-born: 12% · Canada, Jamaica
• Languages at home: 79% English-only · Spanish 16% Other Asian/Pacific 2% Other Indo-European 1%

Political lean MEDSL · Highlands

• 2024 margin: Solid R (+40.8) · D 29.3% · R 70.1%
• 2008→2024 swing: -22.7pp toward R · 2008: -18.1pp · 2024: -40.8pp
• All cycles: 2024: R+40.8 2020: R+34.4 2016: R+32.0 2012: R+23.0 2008: R+18.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -78.20%
• Current HPI: 225.3761
• Rent YoY: ▲ 1.65%
• Metro: Sebring-Avon Park, 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

1 event — show timeline

• 2026-02-04 Listed $37,000 ForSaleByOwner.com