3503 Maryland Ave · Sebring, FL 33870

$122,500

2 bd · 2.0 ba · 624 sqft · Manufactured public records · 86 Days on market

Built 1980 5,663 sqft lot Est $82k · 50% over

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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 +22.8/30.0
• DSCR +7.3/10.0
• 1% rule +4.8/10.0
• Schools +3.6/10.0
• Livability +3.3/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks

Charming, Fully Updated & Fully Furnished Home in a Desirable Sebring Community On OWNED LAND – NO HOA! Welcome to this beautifully updated 2-bedroom, 1.5-bath mobile home offering 624 sq. ft. of comfortable and thoughtfully upgraded living space. Being sold fully furnished, this move-in ready home is perfect for a seasonal retreat, investment, or full-time residence. Located at the end of a quiet street in the back of a highly desirable Sebring community, you’ll enjoy added privacy and a peaceful setting—without the burden of HOA fees. Inside, you’ll find all-new flooring throughout, completely remodeled bathrooms, and a fresh interior repaint that creates

Key facts

• Fully updated
• Newer roof
• Screened porch

Tags

• FULLY FURNISHED
• FULLY UPDATED
• REMODELED BATHROOMS
• NEWER ROOF
• FULLY ENCLOSED SUNROOM
• SCREENED PORCH

Property features AI

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer / sewer available
• Home design: Single-story mobile home; Residential property
• Construction: Metal siding; Metal roof
• Exterior features: Enclosed, screened side porch; No pool

Interior

• Flooring: Laminate; Simulated wood
• Bathrooms: 1 full bathroom; 1 half bathroom
• Heating & cooling: Central heating (electric); Central electric cooling
• Interior features: Laminate/simulated wood flooring; 7 total rooms

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $122k.

Deal economics

• At list price, monthly cash flow is $212 ($3k/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 $120k (1.8% below list).
• Recommended offer: $115k (6.0% below list) — sets the bar for market timing.
• Cap rate 8.4% 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: amenities F, commute F, employment 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.
• Zoned schools: Sun 'N Lake Elementary School (math 63% / reading 59%, grade B, #653 of 2,144 statewide, top 31%, 618 students, 67% FRL); Hill-Gustat Middle School (math 53% / reading 50%, grade C, #232 of 571 statewide, top 41%, 705 students, 63% FRL); Avon Park High School (math 35% / reading 39%, grade F, #340 of 667 statewide, top 52%, 928 students, 67% FRL) — zoned schools at 66% FRL track the district average.
• Market conditions: Rents soft (-0.3%/yr); 475 active listings in the ZIP; 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 $847 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.

Negotiation context

• It's been on market 86 days — a 6% lower offer ($115k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $55k; list at $122k implies a 123% 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; moderate wildfire risk; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $115,150 (6.0% below list)

Questions for the listing agent

1. It's been on market 86 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. 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: 0.98% ✗
• Cap rate: 8.37%
• Cash-on-cash: 7.42%
• DSCR: 1.33
• GRM: 8.5

CMA / ARV

• ARV (on-the-fly): $81,744
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3344 Maine Ave	0.11mi	2/2.0	672 (+8%)	11mo	$75,000	$112	73
3607 Indiana Ave	0.09mi	2/1.0	672 (+8%)	13mo	$88,000	$131	68
2301 Georgia St	0.22mi	2/1.0	672 (+8%)	8mo	$80,000	$119	67
3208 Delaware Ave	0.35mi	2/1.0	672 (+8%)	7mo	$75,000	$112	61
3407 Michigan Ave	0.17mi	2/1.5	672 (+8%)	20mo	$105,000	$156	60
3510 Illinois Ave	0.19mi	2/2.0	672 (+8%)	24mo	$92,000	$137	58
3147 Delaware Ave	0.38mi	2/1.0	672 (+8%)	14mo	$140,000	$208	54

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: -8.1%
• Equity multiple: 0.71×
• Total profit: $-9,921
• Equity at exit: $18,265

10-year hold

• IRR: -2.5%
• Equity multiple: 0.85×
• Total profit: $-5,074
• Equity at exit: $10,592

Cash invested: $34,300 (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 33870

• Home prices YoY: -20.0%
• Rents YoY: -0.3%
• Active inventory: 475
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,203 medium
• Mortgage (P&I): −$642
• Tax from tax record: −$45 /mo · $542/yr
• Insurance: −$51
• HOA: −$0
• Vacancy / Maint / Mgmt: −$253
• Net cashflow: $212

Break-even live

Break-even rent $935

Max offer price $122,500

Occupancy floor 77%

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: $30,625
• Closing costs: $3,675
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-19
   days on market $122,500 Active 86 DOM
2. 2026-06-18
   days on market $122,500 Active 85 DOM
3. 2026-06-17
   days on market $122,500 Active 84 DOM
4. 2026-06-16
   days on market $122,500 Active 83 DOM
5. 2026-06-15
   days on market $122,500 Active 82 DOM
6. 2026-06-14
   days on market $122,500 Active 80 DOM
7. 2026-06-10
   days on market $122,500 Active 77 DOM
8. 2026-06-09
   days on market $122,500 Active 76 DOM
9. 2026-06-08
   days on market $122,500 Active 75 DOM
10. 2026-06-07
    days on market $122,500 Active 74 DOM
11. 2026-06-02
    days on market $122,500 Active 69 DOM
12. 2026-06-01
    days on market $122,500 Active 68 DOM
13. 2026-05-31
    days on market $122,500 Active 67 DOM
14. 2026-05-30
    days on market $122,500 Active 66 DOM
15. 2026-03-25
    listed $122,500 Active
16. 2021-03-31
    soldstatus $55,000
17. 1997-12-09
    soldstatus $28,000

ⓘ 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: $542 · $45/mo
• Projected year-2 tax: $1,017 · $85/mo
• Expected delta: +$475/yr (+$40/mo · 87.7%)

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 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: $14,440
• − Mortgage interest: −$6,862
• − Property taxes: −$542
• − Insurance: −$612
• − Repairs & maintenance: −$1,155
• − Management: −$1,155
• − Depreciation: −$3,564
• Taxable income: $550
• Est. tax owed @ 24.0%: −$132
• After-tax cash flow: $2,412/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): 25,195
• Household income: $49,942
• Rent vs Own: 31.3% rent · 68.7% own
• Severe rent burden: 994.0

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: Diverse neighborhood (Simpson 0.57)
• Race & ethnicity: White 60% Hispanic / Latino 22% Black 13% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 7% Cuban 5%
• Common ancestry: Slovak 2% Romanian 1% Lithuanian 1%
• Foreign-born: 10% · Canada, Jamaica, China
• Languages at home: 80% English-only · Spanish 16% Other Indo-European 1% French/Haitian/Cajun 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: ▼ -68.68%
• Current HPI: 273.9861
• Rent YoY: ▼ -0.29%
• 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

+337.5% since first listed

3 events — show timeline

• 2026-03-25 Listed $122,500 HAOR as distributed by MLS GRID
• 2021-03-31 Sold (Public Records) $55,000 Public Records
• 1997-12-09 Sold (Public Records) $28,000 Public Records

Property tax history

+11.9%/yr

Latest (2025): $542 · +4.7% YoY. Source: county tax records.