2141 Speck Dr · Holiday, FL 34691

$155,900

2 bd · 2.0 ba · 1,497 sqft · Manufactured public records · 25 Days on market

Built 1992 6,120 sqft lot Est $196k · 21% under $16/mo HOA · 1% of rent

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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 +25.0/30.0
• ARV discount +15.0/15.0
• DSCR +8.2/10.0
• 1% rule +6.4/10.0
• Schools +4.3/10.0
• Livability +3.3/5.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

One of a kind opportunity - extra large home on an oversized, fenced lot! Great for a family who needs room to spare. Very large Master and Master Bath. Roomy 2nd and 3rd bedrooms with their own walk-in closets. Stainless steel appliances. New air conditioning. Whole house plumbing replaced. New upgraded electrical box. Currently undergoing renovations. Will entertain offers from a buyer who wants to do the renovations himself. Room measurements are approximate. Lender pre-approval or POF must be provided with any offer.

Key facts

• No lot fees
• Open layout
• Large porch

Tags

• OPEN LAYOUT
• LARGE PORCH
• CORNER LOT
• NO LOT FEES
• NO LAND LEASE

Property features AI

Finance

• Other: Property type: Residential; Property subtype: Manufactured Home; Zoning: R1MH; Lot size approximately 0.14 acre
• Financial info: Total annual fees $440; Total monthly fees $36.67
• HOA & community: HOA: Ameritech Management; HOA required; Association fee $110 quarterly; Monthly HOA amount $36.67; Pets allowed

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Septic tank; Cable available; Electricity available and connected; Water available and connected
• Home design: Manufactured home (double wide); Single-story; Faces southeast; Entry level: One
• Construction: Shingle roof; Other construction materials; Crawlspace foundation; Built as a manufactured home
• Exterior features: Other exterior features; Paved road access; Corner lot

Interior

• Kitchen: Microwave; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Other
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Open floor plan
• Laundry & utility: Laundry: Other

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $156k.

Deal economics

• At list price, monthly cash flow is $341 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $156k).
• Recommended offer: $154k (1.5% below list) — sets the bar for market timing.
• Cap rate 8.9% vs local median 4.6% in Holiday — 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 (#623 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety B; Watch: crime D+, schools D, amenities 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.
• Market conditions: Rents rising (+2.0%/yr); 328 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• This rent runs 42% of the median local income ($50k/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 $5k 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.

Negotiation context

• It's been on market 25 days — a 2% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 22y 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 $69k; list at $156k implies a 126% 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→27/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $153,561 (1.5% below list)

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 1.14% ✓
• Cap rate: 8.92%
• Cash-on-cash: 9.38%
• DSCR: 1.42
• GRM: 7.3

CMA / ARV

• ARV (on-the-fly): $196,107
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3747 Lomi Lomi Dr	0.19mi	2/2.0	1,392 (-7%)	9mo	$150,000	$108	72
2101 Hilo Dr	0.22mi	2/2.0	1,320 (-12%)	2mo	$173,000	$131	69
4004 Reggie Dr	0.05mi	3/2.0 (+1)	1,272 (-15%)	3mo	$125,000	$98	66
3743 Lomi Lomi Dr	0.24mi	3/2.0 (+1)	1,350 (-10%)	5mo	$213,500	$158	63
2133 Oahu Dr #140	0.14mi	2/2.0	1,296 (-13%)	10mo	$184,900	$143	63
2115 Waterview Dr	0.32mi	2/2.0	1,296 (-13%)	7mo	$165,000	$127	57

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 · 2.05% rent growth · sell at horizon

5-year hold

• IRR: -3.2%
• Equity multiple: 0.88×
• Total profit: $-5,205
• Equity at exit: $23,245

10-year hold

• IRR: 5.4%
• Equity multiple: 1.38×
• Total profit: $16,738
• Equity at exit: $13,479

Cash invested: $43,652 (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 34691

• Home prices YoY: -23.9%
• Rents YoY: 2.0%
• Active inventory: 328
• Price-to-rent: 7.3×

Monthly cashflow live

• Estimated rent: $1,776 high
• Mortgage (P&I): −$818
• Tax from tax record: −$163 /mo · $1,957/yr
• Insurance: −$65
• HOA: −$16
• Vacancy / Maint / Mgmt: −$373
• Net cashflow: $341

Break-even live

Break-even rent $1,344

Max offer price $155,900

Occupancy floor 76%

Sensitivity live

Price	-10% $429	-5% $385	+0% $341	+5% $297	+10% $253
Rent	-10% $201	-5% $271	+0% $341	+5% $411	+10% $481
Rate	-1.0pp $420	-0.5pp $381	base $341	+0.5pp $301	+1.0pp $260

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: $38,975
• Closing costs: $4,677
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3749 Beechwood Dr Holiday, FL	2.0	1.0	1012	$1,623	$1.60	0d	1	0.26mi
2132 Kepner Dr Holiday, FL	2.0	1.0	920	$1,295	$1.41	21d	1	0.28mi
3711 Redwood Dr Holiday, FL	3.0	2.0	1368	$1,795	$1.31	0d	1	0.31mi
3742 Darlington Rd Holiday, FL	2.0	1.5	936	$1,800	$1.92	25d	1	0.41mi
3521 Allandale Dr Holiday, FL	2.0	2.0	1368	$1,800	$1.32	25d	1	0.47mi
3549 Westminister Ct Holiday, FL	3.0	2.0	1508	$2,350	$1.56	25d	1	0.48mi
3600 Darlington Rd Holiday, FL	3.0	2.0	1620	$1,800	$1.11	25d	1	0.53mi
3513 Trask Dr Holiday, FL	2.0	1.5	1000	$1,249	$1.25	25d	1	0.54mi
4036 Sunray Dr Holiday, FL	3.0	2.0	1842	$2,350	$1.28	25d	1	0.54mi
3446 Cincinnati Dr Holiday, FL	3.0	2.0	1216	$1,906	$1.57	6d	1	0.54mi
3536 Darlington Rd Holiday, FL	3.0	2.0	1400	$1,950	$1.39	25d	1	0.56mi
2117 Calusa Trl Holiday, FL	2.0	1.0	1205	$1,595	$1.32	0d	1	0.59mi
4205 Jordana Way Holiday, FL	1.0–3.0	1.0–2.0	1027	$1,404	$1.37	3d	13	0.70mi
1624 Springdale Dr Holiday, FL	2.0	1.0	1000	$1,575	$1.57	6d	1	0.74mi
2620 Cheval Dr Holiday, FL	3.0	2.0	1602	$1,699	$1.06	6d	1	0.76mi
4348 Plaza Dr Holiday, FL	1.0–2.0	1.0–2.0	860	$1,499	$1.74	0d	7	0.77mi
4620 Tropical Ln Holiday, FL	2.0	1.0	1276	$1,650	$1.29	3d	1	0.79mi
4823 Longwood Ave Holiday, FL	3.0	1.0	1122	$1,800	$1.60	6d	1	0.85mi
3433 Atlantis Dr Holiday, FL	2.0	1.0	1024	$1,500	$1.46	25d	1	0.85mi
4723 Aegean Ave Holiday, FL	2.0	1.0	1000	$1,636	$1.64	6d	1	0.91mi
2610 Templewood Dr Holiday, FL	3.0	1.0	1056	$1,800	$1.70	6d	1	0.91mi
4835 Blossom Dr Holiday, FL	2.0	2.0	1174	$1,700	$1.45	25d	1	0.92mi
2509 Sweetwood Dr Holiday, FL	2.0	1.0	988	$1,650	$1.67	19d	1	0.92mi
3143 Pinon Dr Holiday, FL	2.0	2.0	1034	$1,695	$1.64	23d	1	0.94mi
3623 Holiday Lake Dr Holiday, FL	3.0	1.0	1004	$1,525	$1.52	25d	1	0.98mi
1552 Alert St Holiday, FL	3.0	1.0	956	$2,100	$2.20	6d	1	0.98mi
3052 Salton St Holiday, FL	2.0	2.0	1067	$1,600	$1.50	25d	1	0.99mi
3162 Victoria Inlet Dr Holiday, FL	3.0	2.5	1632	$2,375	$1.46	6d	1	1.03mi
3838 Staysail Ln Unit 3838 Holiday, FL	2.0	1.0	1114	$1,500	$1.35	25d	1	1.03mi
2412 Arcadia Rd Holiday, FL	3.0	1.0	1360	$1,603	$1.18	25d	1	1.05mi
3531 Rosewater Dr Holiday, FL	2.0	2.0	907	$1,795	$1.98	25d	1	1.05mi
2814 Jacob Crossing Ln Holiday, FL	3.0	2.5	1444	$1,995	$1.38	25d	1	1.10mi
3530 Oxford Dr Holiday, FL	2.0	1.5	1080	$1,495	$1.38	23d	1	1.11mi
3093 Inlet Breeze Way Holiday, FL	3.0	2.5	1616	$1,895	$1.17	25d	1	1.13mi
1440 Brixton Ln Holiday, FL	2.0	1.0	952	$1,707	$1.79	25d	1	1.15mi
2555 Charlan Ct Unit Main Holiday, FL	3.0	2.0	1650	$2,301	$1.39	25d	1	1.15mi
2555 Charlan Ct Holiday, FL	3.0	2.5	1634	$2,500	$1.53	25d	1	1.15mi
3301 Rosefield Dr Holiday, FL	3.0	2.0	1340	$2,100	$1.57	19d	1	1.17mi
1132 Maybury Dr Holiday, FL	3.0	2.0	1173	$1,838	$1.57	3d	1	1.18mi
1351 Whitehall Ln Holiday, FL	2.0	1.0	1078	$1,550	$1.44	25d	1	1.18mi

HOA detail

• Monthly dues: $16 · $192/yr
• Likely covers: electric

Listing history 27 events

1. 2026-06-18
   days on market $155,900 Active 25 DOM
2. 2026-06-17
   days on market $155,900 Active 24 DOM
3. 2026-06-16
   days on market $155,900 Active 23 DOM
4. 2026-06-15
   days on market $155,900 Active 22 DOM
5. 2026-06-13
   days on market $155,900 Active 20 DOM
6. 2026-06-09
   days on market $155,900 Active 16 DOM
7. 2026-06-08
   days on market $155,900 Active 15 DOM
8. 2026-06-07
   days on market $155,900 Active 14 DOM
9. 2026-06-04
   days on market $155,900 Active 11 DOM
10. 2026-06-03
    days on market $155,900 Active 10 DOM
11. 2026-06-02
    days on market $155,900 Active 9 DOM
12. 2026-06-01
    days on market $155,900 Active 8 DOM
13. 2026-05-31
    days on market $155,900 Active 7 DOM
14. 2026-05-24
    listed $155,900 Active
15. 2026-05-24
    historical
16. 2026-05-24
    listed $155,900 Active
17. 2018-09-10
    soldstatus $69,000 Sold 526-char remark

    Show marketing remark (526 chars)

    One of a kind opportunity - extra large home on an oversized, fenced lot! Great for a family who needs room to spare. Very large Master and Master Bath. Roomy 2nd and 3rd bedrooms with their own walk-in closets. Stainless steel appliances. New air conditioning. Whole house plumbing replaced. New upgraded electrical box. Currently undergoing renovations. Will entertain offers from a buyer who wants to do the renovations himself. Room measurements are approximate. Lender pre-approval or POF must be provided with any offer.

18. 2018-09-07
    soldstatus $69,000
19. 2018-08-27
    status Pending 526-char remark

    Show marketing remark (526 chars)

    One of a kind opportunity - extra large home on an oversized, fenced lot! Great for a family who needs room to spare. Very large Master and Master Bath. Roomy 2nd and 3rd bedrooms with their own walk-in closets. Stainless steel appliances. New air conditioning. Whole house plumbing replaced. New upgraded electrical box. Currently undergoing renovations. Will entertain offers from a buyer who wants to do the renovations himself. Room measurements are approximate. Lender pre-approval or POF must be provided with any offer.

20. 2018-07-09
    listed $74,900 Active 526-char remark

    Show marketing remark (526 chars)

    One of a kind opportunity - extra large home on an oversized, fenced lot! Great for a family who needs room to spare. Very large Master and Master Bath. Roomy 2nd and 3rd bedrooms with their own walk-in closets. Stainless steel appliances. New air conditioning. Whole house plumbing replaced. New upgraded electrical box. Currently undergoing renovations. Will entertain offers from a buyer who wants to do the renovations himself. Room measurements are approximate. Lender pre-approval or POF must be provided with any offer.

21. 2016-06-21
    historical
22. 2016-05-26
    listed $54,900 Active
23. 2012-08-06
    soldstatus $27,000
24. 2012-04-11
    listed $40,000
25. 2005-02-11
    soldstatus $75,900
26. 2005-02-07
    soldstatus $75,900
27. 2004-11-16
    listed $75,900

ⓘ 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: $1,957 · $163/mo
• Projected year-2 tax: $1,957 · $163/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 4/10 Moderate FEMA zone X (shaded) · 13% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 10/10 Extreme 7 d/yr ≥109°F today · 27 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $21,306
• − Mortgage interest: −$8,733
• − Property taxes: −$1,957
• − Insurance: −$780
• − Repairs & maintenance: −$1,705
• − Management: −$1,705
• − HOA: −$192
• − Depreciation: −$4,535
• Taxable income: $1,700
• Est. tax owed @ 24.0%: −$408
• After-tax cash flow: $3,684/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 — Holiday

• Score: 66/100
• State rank: #623
• US rank: #12124

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Holiday, FL
• County: Pasco County · 524,098 people
• City population: 33,730
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 21,232
• Household income: $50,288
• Rent vs Own: 32.2% rent · 67.8% own
• Severe rent burden: 1031.0

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: Predominantly White (73%)
• Race & ethnicity: White 73% Hispanic / Latino 15% Two or more races 11% Black 7% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 6% Cuban 2% Dominican 2%
• Common ancestry: Romanian 3% Iranian 2% Lithuanian 2%
• Foreign-born: 10% · Canada, Vietnam
• Languages at home: 82% English-only · Spanish 8% Other Indo-European 5% Other Asian/Pacific 1%

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: ▼ -102.84%
• Current HPI: 326.9843
• Rent YoY: ▲ 2.05%
• 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

+105.4% since first listed

14 events — show timeline

• 2026-05-24 Listed $155,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-05-24 Listed $155,900 Stellar MLS as Distributed by MLS Grid
• 2018-09-10 Sold (MLS) $69,000 Stellar MLS as Distributed by MLS Grid
• 2018-09-07 Sold (Public Records) $69,000 Public Records
• 2018-08-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-07-09 Listed $74,900 Stellar MLS as Distributed by MLS Grid
• 2016-06-21 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2016-05-26 Listed $54,900 Stellar MLS as Distributed by MLS Grid
• 2012-08-06 Sold (MLS) $27,000 Stellar MLS as Distributed by MLS Grid
• 2012-04-11 Listed $40,000 Stellar MLS as Distributed by MLS Grid
• 2005-02-11 Sold (Public Records) $75,900 Public Records
• 2005-02-07 Sold (MLS) $75,900 Stellar MLS as Distributed by MLS Grid
• 2004-11-16 Listed $75,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+9.6%/yr

Latest (2025): $1,957 · +7.9% YoY. Source: county tax records.