5953 NW 17 Ct · Bell, FL 32619

$179,000

3 bd · 2.0 ba · 1,153 sqft · Manufactured · 71 Days on market

Built 2026 Excellent condition 1.03 ac lot $155/sqft · at area comps Est $183k · at est. ↓ 4% since listing

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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 +23.7/30.0
• Appreciation +10.0/10.0
• ARV discount +8.5/15.0
• DSCR +7.6/10.0
• 1% rule +6.2/10.0
• Schools +5.3/10.0
• Condition / age +5.0/5.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0

Listing remarks MLS

Welcome to peaceful North Florida living! This brand-new 2026 Champion manufactured home sits on a spacious 1.03-acre lot in Bell, Florida, offering the perfect blend of modern comfort and rural charm. Inside, you’ll find a fresh, thoughtfully designed layout with updated finishes and all the benefits of new construction—move-in ready and built for easy living. The property also features a brand-new well and septic system, giving you added peace of mind and long-term value. Whether you’re looking for a primary residence, weekend retreat, or investment opportunity, this property checks all the boxes and qualifies for FHA, VA, and 100% USDA Financing! Outside, the open acreage provides plenty of room to spread out, add a workshop, bring your animals, or simply enjoy the privacy and quiet surroundings. Nature lovers will appreciate being just minutes from some of North Florida’s most popular springs and rivers, perfect for swimming, kayaking, and relaxing year-round. Conveniently located within a short drive to Lake City and Gainesville, you’ll still have easy access to shopping, dining, healthcare, and entertainment while enjoying the slower pace of country living. If you’ve been searching for affordable land with a brand-new home in a prime North Florida location, this is an opportunity you don’t want to miss. Call listing agent for any questions or scheduling to view. Owner is a licensed real estate agent.

Key facts

• Minutes from springs
• Minutes from rivers
• Spacious lot

Tags

• SPACIOUS LOT
• BRAND NEW WELL
• BRAND NEW SEPTIC SYSTEM
• OPEN ACREAGE
• MINUTES FROM SPRINGS
• MINUTES FROM RIVERS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $179k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $340 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $179k).
• Recommended offer: $168k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.6% vs local median 4.8% in Bell — 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 62/100 on livability (#767 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D, health & safety D, amenities F.
• Gilchrist (rural): math 66% / reading 61% proficiency, ranked #9 of 73 in FL (top 12%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 112 active listings in the ZIP; 94 units permitted in Gilchrist County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $19k of equity ($1k loan paydown + $18k appreciation (10.0% local appreciation)).
• Gilchrist County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $50k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$31k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 71 days — a 6% lower offer ($168k) is reasonable based on typical stale-listing flexibility.

Recommended offer $168,260 (6.0% below list)

Questions for the listing agent

1. It's been on market 71 days. Have you received any prior offers? Is the seller open to a 6% 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. Crime grade is D in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.12% ✓
• Cap rate: 8.57%
• Cash-on-cash: 8.15%
• DSCR: 1.36
• GRM: 7.5

CMA / ARV

• ARV (median comp): $183,000
• List price: $179,000
• Delta: -2.19%
• Verdict: FAIR
• Comps: 3 within 1.0 mi

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1400 NW 62nd Pl	0.44mi	3/2.0	1,200 (+4%)	2mo	$183,000	$153	71
5807 NW 12th Ct	0.51mi	3/2.0	1,232 (+7%)	6mo	$165,000	$134	60

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

9.98% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 30.2%
• Equity multiple: 3.37×
• Total profit: $118,895
• Equity at exit: $160,940

10-year hold

• IRR: 26.2%
• Equity multiple: 7.65×
• Total profit: $333,060
• Equity at exit: $346,737

Cash invested: $50,120 (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 32619

• Home prices YoY: 2.5%
• Active inventory: 112
• Price-to-rent: 7.5×

Monthly cashflow live

• Estimated rent: $1,997 medium
• Mortgage (P&I): −$939
• Tax est. 1.5%: −$224 /mo · $2,685/yr
• Insurance: −$75
• HOA: −$0
• Vacancy / Maint / Mgmt: −$419
• Net cashflow: $340

Break-even live

Break-even rent $1,566

Max offer price $179,000

Occupancy floor 78%

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: $44,750
• Closing costs: $5,370
• Reserves months: —
• Total cash needed: —

Listing history 20 events

1. 2026-06-17
   days on market $179,000 Active 71 DOM
2. 2026-06-16
   days on market $179,000 Active 70 DOM
3. 2026-06-15
   pricedays on market $179,000 Active 69 DOM
4. 2026-06-14
   days on market $184,000 Active 67 DOM
5. 2026-06-13
   pricedays on market $184,000 Active 66 DOM
6. 2026-06-10
   days on market $185,000 Active 64 DOM
7. 2026-06-09
   days on market $185,000 Active 63 DOM
8. 2026-06-09
   price $185,000 Active 62 DOM
9. 2026-06-08
   days on market $187,000 Active 62 DOM
10. 2026-06-07
    days on market $187,000 Active 61 DOM
11. 2026-06-05
    days on market $187,000 Active 58 DOM
12. 2026-06-02
    days on market $187,000 Active 56 DOM
13. 2026-06-01
    pricedays on market $187,000 Active 55 DOM
14. 2026-05-31
    days on market $190,000 Active 54 DOM
15. 2026-05-30
    days on market $190,000 Active 53 DOM
16. 2026-05-17
    price $191,700 1471-char remark

    Show marketing remark (1471 chars)

    Welcome to peaceful North Florida living! This brand-new 2026 Champion manufactured home sits on a spacious 1.03-acre lot in Bell, Florida, offering the perfect blend of modern comfort and rural charm. Inside, you’ll find a fresh, thoughtfully designed layout with updated finishes and all the benefits of new construction—move-in ready and built for easy living. The property also features a brand-new well and septic system, giving you added peace of mind and long-term value. Whether you’re looking for a primary residence, weekend retreat, or investment opportunity, this property checks all the boxes and qualifies for FHA, VA, and 100% USDA Financing! Outside, the open acreage provides plenty of room to spread out, add a workshop, bring your animals, or simply enjoy the privacy and quiet surroundings. Nature lovers will appreciate being just minutes from some of North Florida’s most popular springs and rivers, perfect for swimming, kayaking, and relaxing year-round. Conveniently located within a short drive to Lake City and Gainesville, you’ll still have easy access to shopping, dining, healthcare, and entertainment while enjoying the slower pace of country living. If you’ve been searching for affordable land with a brand-new home in a prime North Florida location, this is an opportunity you don’t want to miss. Call listing agent for any questions or scheduling to view. Owner is a licensed real estate agent.

17. 2026-05-09
    price $192,700 1471-char remark

    Show marketing remark (1471 chars)

    Welcome to peaceful North Florida living! This brand-new 2026 Champion manufactured home sits on a spacious 1.03-acre lot in Bell, Florida, offering the perfect blend of modern comfort and rural charm. Inside, you’ll find a fresh, thoughtfully designed layout with updated finishes and all the benefits of new construction—move-in ready and built for easy living. The property also features a brand-new well and septic system, giving you added peace of mind and long-term value. Whether you’re looking for a primary residence, weekend retreat, or investment opportunity, this property checks all the boxes and qualifies for FHA, VA, and 100% USDA Financing! Outside, the open acreage provides plenty of room to spread out, add a workshop, bring your animals, or simply enjoy the privacy and quiet surroundings. Nature lovers will appreciate being just minutes from some of North Florida’s most popular springs and rivers, perfect for swimming, kayaking, and relaxing year-round. Conveniently located within a short drive to Lake City and Gainesville, you’ll still have easy access to shopping, dining, healthcare, and entertainment while enjoying the slower pace of country living. If you’ve been searching for affordable land with a brand-new home in a prime North Florida location, this is an opportunity you don’t want to miss. Call listing agent for any questions or scheduling to view. Owner is a licensed real estate agent.

18. 2026-04-26
    price $193,700 1471-char remark

    Show marketing remark (1471 chars)

    Welcome to peaceful North Florida living! This brand-new 2026 Champion manufactured home sits on a spacious 1.03-acre lot in Bell, Florida, offering the perfect blend of modern comfort and rural charm. Inside, you’ll find a fresh, thoughtfully designed layout with updated finishes and all the benefits of new construction—move-in ready and built for easy living. The property also features a brand-new well and septic system, giving you added peace of mind and long-term value. Whether you’re looking for a primary residence, weekend retreat, or investment opportunity, this property checks all the boxes and qualifies for FHA, VA, and 100% USDA Financing! Outside, the open acreage provides plenty of room to spread out, add a workshop, bring your animals, or simply enjoy the privacy and quiet surroundings. Nature lovers will appreciate being just minutes from some of North Florida’s most popular springs and rivers, perfect for swimming, kayaking, and relaxing year-round. Conveniently located within a short drive to Lake City and Gainesville, you’ll still have easy access to shopping, dining, healthcare, and entertainment while enjoying the slower pace of country living. If you’ve been searching for affordable land with a brand-new home in a prime North Florida location, this is an opportunity you don’t want to miss. Call listing agent for any questions or scheduling to view. Owner is a licensed real estate agent.

19. 2026-04-19
    price $194,700 1471-char remark

    Show marketing remark (1471 chars)

    Welcome to peaceful North Florida living! This brand-new 2026 Champion manufactured home sits on a spacious 1.03-acre lot in Bell, Florida, offering the perfect blend of modern comfort and rural charm. Inside, you’ll find a fresh, thoughtfully designed layout with updated finishes and all the benefits of new construction—move-in ready and built for easy living. The property also features a brand-new well and septic system, giving you added peace of mind and long-term value. Whether you’re looking for a primary residence, weekend retreat, or investment opportunity, this property checks all the boxes and qualifies for FHA, VA, and 100% USDA Financing! Outside, the open acreage provides plenty of room to spread out, add a workshop, bring your animals, or simply enjoy the privacy and quiet surroundings. Nature lovers will appreciate being just minutes from some of North Florida’s most popular springs and rivers, perfect for swimming, kayaking, and relaxing year-round. Conveniently located within a short drive to Lake City and Gainesville, you’ll still have easy access to shopping, dining, healthcare, and entertainment while enjoying the slower pace of country living. If you’ve been searching for affordable land with a brand-new home in a prime North Florida location, this is an opportunity you don’t want to miss. Call listing agent for any questions or scheduling to view. Owner is a licensed real estate agent.

20. 2026-04-07
    listed $198,700 Active 1471-char remark

    Show marketing remark (1471 chars)

    Welcome to peaceful North Florida living! This brand-new 2026 Champion manufactured home sits on a spacious 1.03-acre lot in Bell, Florida, offering the perfect blend of modern comfort and rural charm. Inside, you’ll find a fresh, thoughtfully designed layout with updated finishes and all the benefits of new construction—move-in ready and built for easy living. The property also features a brand-new well and septic system, giving you added peace of mind and long-term value. Whether you’re looking for a primary residence, weekend retreat, or investment opportunity, this property checks all the boxes and qualifies for FHA, VA, and 100% USDA Financing! Outside, the open acreage provides plenty of room to spread out, add a workshop, bring your animals, or simply enjoy the privacy and quiet surroundings. Nature lovers will appreciate being just minutes from some of North Florida’s most popular springs and rivers, perfect for swimming, kayaking, and relaxing year-round. Conveniently located within a short drive to Lake City and Gainesville, you’ll still have easy access to shopping, dining, healthcare, and entertainment while enjoying the slower pace of country living. If you’ve been searching for affordable land with a brand-new home in a prime North Florida location, this is an opportunity you don’t want to miss. Call listing agent for any questions or scheduling to view. Owner is a licensed real estate agent.

ⓘ 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: $23,960
• − Mortgage interest: −$10,027
• − Property taxes: −$2,685
• − Insurance: −$895
• − Repairs & maintenance: −$1,917
• − Management: −$1,917
• − Depreciation: −$5,207
• Taxable income: $1,312
• Est. tax owed @ 24.0%: −$315
• After-tax cash flow: $3,769/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.

Condition & rehab AI · 2 photos

Excellent 100/100 None rehab

This brand-new 2026 Champion manufactured home is move-in ready and offers modern comfort and rural charm. With a spacious 1.03-acre lot, a brand-new well and septic system, and a fresh, thoughtfully designed layout, this property is an excellent investment opportunity.

Value-add opportunities

• Both Landscaping and curb appeal improvements — Enhances the home's aesthetic appeal and can attract more buyers or renters.
• Both Addition of a small shed or storage unit — Provides extra storage space and can increase the home's functionality and appeal.
• Both Addition of a small patio or outdoor seating area — Enhances the outdoor living space and can increase the home's appeal for both buyers and renters.

Renovation cost estimate screening

Value-add ROI direction

• Both Landscaping and curb appeal improvements — Enhances the home's aesthetic appeal and can attract more buyers or renters. ↑
• Both Addition of a small shed or storage unit — Provides extra storage space and can increase the home's functionality and appeal. ↑
• Both Addition of a small patio or outdoor seating area — Enhances the outdoor living space and can increase the home's appeal for both buyers and renters. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Gilchrist
• NCES district ID: 1200630
• Math proficiency: 66% ▼ -4.00%
• Reading proficiency: 61% ▼ -5.00%
• Median HH income: $39,610
• Composite: 53.01/100
• National rank: #1522
• State rank: #9 of 73 in FL

Livability — Bell

• Score: 62/100
• State rank: #767
• US rank: #17229

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 5,227
• Population (ZIP): 5,227

Population outlook (Gilchrist County) Hauer SSP2

• Today (2025): 17,730 people
• By 2030: 17,722 · +-0.0%
• By 2040: 17,393 · -1.9%
• By 2050: 16,597 · -6.4%
• By 2075: 14,300 · -19.3%
• By 2100: 11,498 · -35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Hispanic / Latino 7% Two or more races 4%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Lithuanian 9% Romanian 3% Scotch-Irish 2%
• Foreign-born: 7% · Canada
• Languages at home: 93% English-only · Spanish 4% German/W. Germanic 2% Tagalog/Filipino 1%

Political lean MEDSL · Gilchrist

• 2024 margin: Solid R (+68.0) · D 15.6% · R 83.6%
• 2008→2024 swing: -21.2pp toward R · 2008: -46.8pp · 2024: -68.0pp
• All cycles: 2024: R+68.0 2020: R+64.0 2016: R+62.8 2012: R+51.0 2008: R+46.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 9.98%
• Current HPI: 404.4164
• Rent YoY: —
• Metro: —
• 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

-3.5% since first listed

5 events — show timeline

• 2026-05-17 Price Changed $191,700 NFMLS
• 2026-05-09 Price Changed $192,700 NFMLS
• 2026-04-26 Price Changed $193,700 NFMLS
• 2026-04-19 Price Changed $194,700 NFMLS
• 2026-04-07 Listed $198,700 NFMLS