26322 Brahma Dr · Wesley Chapel, FL 33544

$99,900

2 bd · 1.0 ba · 792 sqft · Manufactured public records · 3 Days on market

Built 1973 0.52 ac lot Est $142k · 30% under

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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 +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +4.3/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks

AFFORDABLE OPPORTUNITY IN THE HEART OF FAST-GROWING WESLEY CHAPEL — FIXER UPPER OR BUILD YOUR OWN! This 2 bedroom 1 bathroom mobile home sits on an oversized 0.517-acre lot in the established Angus Valley community with NO HOA and NO flood zone. Whether you are a hands-on buyer looking for a cheap fixer upper to make your own, an investor looking to renovate and rent, or a builder ready to remove and start fresh — this property gives you options. Existing FGUA public water and septic system already in place. With over half an acre of AR-zoned land there is room for RV or boat parking, animals, storage, and more. No HOA means no restrictions on how you use your land. Located minu

Key facts

• Rv or boat parking
• Ar zoned land
• Oversized lot

Tags

• OVERSIZED LOT
• NO HOA
• PUBLIC WATER
• SEPTIC SYSTEM
• AR ZONED LAND
• RV OR BOAT PARKING

Property features AI

Finance

• Other: Property type: Residential mobile home; Lot size approximately 0.52 acres; Zoning: AR; Living area reported as 792 sq ft (public records); Building area reported as 1,112 sq ft (public records)
• HOA & community: No association indicated

Exterior

• Parking: Has carport (1 space)
• Utilities: Public water; Septic tank; Cable available; Electricity connected; Sewer connected; Water connected
• Home design: Residential mobile home (single wide); One story; Faces northeast
• Construction: Metal siding; Metal roof; Built on crawlspace
• Exterior features: Private mailbox; Road surface: Other

Interior

• Kitchen: Other appliances
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating (electric); Ductless heating; Central air conditioning; Wall/window air conditioning units
• Interior features: Ceiling fans
• Laundry & utility: Other laundry features; Crawlspace foundation (utility access)

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $100k.

Deal economics

• At list price, monthly cash flow is $903 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $100k).
• Cap rate 17.1% vs local median 3.7% in Wesley Chapel — 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 79/100 on livability (#143 in FL, #2,137 nationally) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, health & safety A+; Watch: commute 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: Quail Hollow Elementary School (math 45% / reading 49%, grade D-, #1,191 of 2,144 statewide, top 57%, 543 students, 61% FRL); Cypress Creek High School (math 48% / reading 56%, grade D+, #160 of 667 statewide, top 25%, 1,851 students, 35% FRL) — zoned schools at 48% FRL track the district average.
• Market conditions: Rents soft (-2.3%/yr); 187 active listings in the ZIP; 3 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $28k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $19k; list at $100k implies a 426% 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→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $99,900

Questions for the listing agent

1. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.98% ✓
• Cap rate: 17.14%
• Cash-on-cash: 38.73%
• DSCR: 2.72
• GRM: 4.2

CMA / ARV

• ARV (on-the-fly): $141,768
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
26627 Brahma Dr	0.32mi	2/1.0	784 (-1%)	10mo	$140,000	$179	75

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: 31.5%
• Equity multiple: 2.27×
• Total profit: $35,515
• Equity at exit: $14,895

10-year hold

• IRR: 37.0%
• Equity multiple: 3.95×
• Total profit: $82,570
• Equity at exit: $8,638

Cash invested: $27,972 (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 33544

• Home prices YoY: -24.1%
• Rents YoY: -2.3%
• Active inventory: 187
• Price-to-rent: 4.2×

Monthly cashflow live

• Estimated rent: $1,982 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$97 /mo · $1,170/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$416
• Net cashflow: $903

Break-even live

Break-even rent $839

Max offer price $99,900

Occupancy floor 49%

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 3 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
Address Not Available PL Zephyrhills, FL	1.0–3.0	1.0–2.0	1011	$1,676	$1.66	2d	25	0.86mi
5561 Post Oak Blvd Wesley Chapel, FL	2.0	1.0–2.0	948	$2,030	$2.14	1d	13	1.10mi
5291 Post Oak Blvd Wesley Chapel, FL	1.0–3.0	1.0–2.0	1068	$2,009	$1.88	1d	14	1.12mi

Listing history 4 events

1. 2026-06-18
   days on market $99,900 Active 3 DOM
2. 2026-06-17
   days on market $99,900 Active 2 DOM
3. 2026-06-15
   remarks 687-char remark
4. 2026-06-15
   listed $99,900 Active 1 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: $1,170 · $97/mo
• Projected year-2 tax: $1,170 · $97/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,784
• − Mortgage interest: −$5,596
• − Property taxes: −$1,170
• − Insurance: −$500
• − Repairs & maintenance: −$1,903
• − Management: −$1,903
• − Depreciation: −$2,906
• Taxable income: $9,807
• Est. tax owed @ 24.0%: −$2,354
• After-tax cash flow: $8,480/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 — Wesley Chapel

• Score: 79/100
• State rank: #143
• US rank: #2137

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Pasco County · 524,098 people
• City population: 100,771
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 29,901
• Household income: $104,573
• Rent vs Own: 32.9% rent · 67.1% own
• Severe rent burden: 378.0

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: Diverse neighborhood (Simpson 0.62)
• Race & ethnicity: White 56% Hispanic / Latino 24% Two or more races 20% Black 9% Asian 5%
• Hispanic origin (detail): Mexican 1% Puerto Rican 9% Cuban 6% Dominican 1%
• Common ancestry: Romanian 2% Italian 2% Lithuanian 2%
• Foreign-born: 15% · Canada, Jamaica, China
• Languages at home: 73% English-only · Spanish 17% Other Indo-European 2% Arabic 2%

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: ▼ -84.76%
• Current HPI: 266.5191
• Rent YoY: ▼ -2.30%
• 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

+425.8% since first listed

2 events — show timeline

• 2026-06-15 Listed $99,900 Stellar MLS as Distributed by MLS Grid
• 1995-04-03 Sold (Public Records) $19,000 Public Records

Property tax history

+17.1%/yr

Latest (2025): $1,170 · -31.1% YoY. Source: county tax records.