5316 53rd Ave E Unit C20 · Bradenton, FL 34203

$170,000

2 bd · 1.0 ba · 1,323 sqft · Manufactured public records · 266 Days on market

Built 1997 3,794 sqft lot Est $169k · at est. $300/mo HOA · 13% of rent

---

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 +27.5/30.0
• DSCR +9.6/10.0
• 1% rule +8.6/10.0
• ARV discount +7.3/15.0
• Schools +4.4/10.0
• Livability +4.0/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. Discover this cozy 2-bed, 2-bath manufactured home, in Bradenton's welcoming Westwinds Village—a perfect 55+ spot for relaxed Florida living. It's got a bright open layout, a handy kitchen with lots of storage and a breakfast nook, plus spacious bedrooms (the main one with its own bath). Step out to a sweet lanai for chilling, with covered parking too. No lot rent here—ownership includes a community share. Dive into amenities like the pool, game room, library, and fun events from golf leagues to parties. Close to beaches, shops, and eats, with Sarasota nearby. Ideal for downsizing or sunny escapes!

Key facts

• Breakfast nook
• Covered parking
• Open layout

Tags

• OPEN LAYOUT
• HANDY KITCHEN
• BREAKFAST NOOK
• SWEET LANAI
• COVERED PARKING
• POOL

Property features AI

Finance

• Other: Homestead exempt
• Financial info: Total monthly fees: $300; Total annual fees: $3,600; Lease restrictions apply
• HOA & community: WestWinds Village CO-OP with monthly fee of $300; Association approval required; Association amenities include cable TV; Deed restrictions; Community pool; Senior community; Pet restrictions apply (number and size limits)

Exterior

• Parking: Driveway; Carport (1 space)
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer; Electricity connected; Cable available
• Home design: Manufactured double-wide home; One level; Faces south
• Construction: Metal roof; Other construction materials; Built on crawlspace
• Exterior features: Private mailbox; Sliding doors; Asphalt/paved road access

Interior

• Kitchen: Disposal; Microwave; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Electric heating; Heat pump; Central air conditioning
• Interior features: Cathedral ceilings; Vaulted ceilings; Open floor plan; Walk-in closets; Window treatments; Skylights; Smoke detectors
• Laundry & utility: Washer and dryer included; Laundry located inside; Inside utility; Crawlspace foundation

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $170k.

Deal economics

• At list price, monthly cash flow is $504 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $170k).
• Recommended offer: $150k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.8% vs local median 3.6% in Bradenton — 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 81/100 on livability (#101 in FL, #1,528 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, crime D, amenities F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents soft (-1.0%/yr); 384 active listings in the ZIP; 27 comparable units currently listed for rent nearby; rentals at typical pace (median 24d on market — plan ~3-4 weeks tenant-placement turnaround); 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• This rent runs 39% of the median local income ($71k/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.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 266 days — a 12% lower offer ($150k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $82k; list at $170k implies a 107% 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→30/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $149,600 (12.0% below list)

Questions for the listing agent

1. It's been on market 266 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.36% ✓
• Cap rate: 9.85%
• Cash-on-cash: 12.70%
• DSCR: 1.56
• GRM: 6.1

CMA / ARV

• ARV (on-the-fly): $169,344
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5316 53rd Ave E Unit C20	0.00mi	2/2.0	1,323 (0%)	1mo	$150,000	$113	95
5316 53rd Ave E Unit K12	0.11mi	2/1.5	1,216 (-8%)	1mo	$130,000	$107	78
5316 53rd Ave E Unit A43	0.15mi	3/2.0 (+1)	1,344 (+2%)	4mo	$70,000	$52	78
5316 53rd Ave E Unit E10	0.11mi	3/2.0 (+1)	1,415 (+7%)	1mo	$246,000	$174	73
5316 53rd Ave E Unit X7	0.16mi	2/2.0	1,215 (-8%)	3mo	$155,000	$128	72
5316 53rd Ave E Unit N16	0.25mi	2/2.0	1,436 (+8%)	2mo	$170,000	$118	68
5707 45th St E #98	0.57mi	2/2.0	1,290 (-2%)	1mo	$165,000	$128	64
5707 45th St E #143	0.57mi	3/2.0 (+1)	1,352 (+2%)	1mo	$218,000	$161	60
5707 45th St E #223	0.57mi	3/2.0 (+1)	1,404 (+6%)	4mo	$225,000	$160	51
5707 45th St E #154	0.57mi	2/2.0	1,508 (+14%)	6mo	$190,000	$126	41
5707 45th St E #180	0.57mi	2/2.0	1,125 (-15%)	4mo	$225,000	$200	41
5707 45th St E #293	0.57mi	2/2.0	1,512 (+14%)	6mo	$140,000	$93	41

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: -1.2%
• Equity multiple: 0.96×
• Total profit: $-2,118
• Equity at exit: $25,348

10-year hold

• IRR: 4.6%
• Equity multiple: 1.29×
• Total profit: $13,798
• Equity at exit: $14,698

Cash invested: $47,600 (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 34203

• Home prices YoY: -24.5%
• Rents YoY: -1.0%
• Active inventory: 384
• Price-to-rent: 6.1×

Monthly cashflow live

• Estimated rent: $2,310 high
• Mortgage (P&I): −$891
• Tax from tax record: −$59 /mo · $711/yr
• Insurance: −$71
• HOA: −$300
• Vacancy / Maint / Mgmt: −$485
• Net cashflow: $504

Break-even live

Break-even rent $1,673

Max offer price $170,000

Occupancy floor 73%

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: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Rent comps 27 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5316 53rd Ave E Unit Q111 Bradenton, FL	2.0	2.0	1056	$1,495	$1.42	10d	1	0.11mi
5547 West Pl Unit C-1 Bradenton, FL	2.0	2.0	1652	$3,600	$2.18	23d	1	0.18mi
5616 Gentle Breeze St Bradenton, FL	2.0	2.0	1100	$1,700	$1.55	23d	1	0.21mi
5650 Simonton St Bradenton, FL	2.0	2.5	1496	$2,095	$1.40	3d	1	0.31mi
5635 Whitehead St Bradenton, FL	2.0	2.5	1496	$2,300	$1.54	23d	1	0.34mi
5707 45th St E #19 Bradenton, FL	2.0	2.0	972	$1,700	$1.75	23d	1	0.58mi
5016 Misty Canal Pl Bradenton, FL	2.0	2.5	1080	$1,950	$1.81	23d	1	0.77mi
4540 Runabout Way Bradenton, FL	2.0	2.5	1080	$2,300	$2.13	23d	1	0.78mi
5515 Fair Oaks St Unit 5515 Bradenton, FL	2.0	2.0	1004	$2,000	$1.99	23d	1	0.90mi
6503 Fairway Gardens Dr Unit Available Bradenton, FL	2.0	2.0	1346	$2,200	$1.63	23d	1	0.95mi
5414 Fair Oaks St Unit 10-D Bradenton, FL	2.0	2.0	1004	$1,995	$1.99	3d	1	0.95mi
6501 Stone River Rd Unit Available Bradenton, FL	2.0	2.0	1118	$2,200	$1.97	23d	1	1.03mi
6501 Stone River Rd Bradenton, FL	2.0	2.0	1080	$2,820	$2.61	16d	2	1.03mi
6505 Stone River Rd Bradenton, FL	2.0	2.0	1080	$2,825	$2.62	16d	3	1.10mi
3645 Ali ala LOOP Braden River, FL	1.0	1.0	950	$1,400	$1.47	23d	1	1.15mi
4510 Sanibel Way Bradenton, FL	3.0	2.0	1832	$2,499	$1.36	3d	1	1.17mi
3880 Palm Isle Pl Bradenton, FL	1.0–2.0	1.0–2.0	1042	$2,499	$2.40	1d	13	1.19mi
5534 Spanish Moss Cv Bradenton, FL	3.0	2.0	1706	$2,500	$1.47	23d	1	1.23mi
5534 Spanish Moss Cv Bradenton, FL	3.0	2.0	1716	$2,500	$1.46	14d	1	1.23mi
6758 Fairview Ter Bradenton, FL	2.0	2.0	1346	$2,300	$1.71	23d	1	1.28mi
6713 Stone River Rd #202 Bradenton, FL	2.0	2.0	1232	$1,900	$1.54	23d	1	1.31mi
6807 Stone River Rd #202 Bradenton, FL	2.0	2.0	1292	$3,500	$2.71	16d	1	1.33mi
4815 Woodbrook Dr Sarasota, FL	2.0	2.0	1080	$2,290	$2.12	3d	1	1.33mi
6870 Fairview Ter #6870 Bradenton, FL	2.0	2.0	1346	$2,200	$1.63	16d	1	1.37mi
3601 Garden Lakes Clenet Bradenton, FL	3.0	2.0	1798	$3,000	$1.67	16d	1	1.37mi
6872 Fairview Ter #101 Bradenton, FL	2.0	2.0	1352	$2,000	$1.48	23d	1	1.37mi
6738 Peach Tree Creek Rd Bradenton, FL	2.0	2.0	1838	$6,200	$3.37	23d	1	1.49mi

HOA detail

• Monthly dues: $300 · $3,600/yr
• Likely covers: pool

Listing history 6 events

1. 2026-05-07
   status Pending
2. 2026-03-25
   price $170,000
3. 2025-10-22
   price $180,000
4. 2025-08-14
   listed $185,000 Active
5. 2007-11-20
   soldstatus $82,000
6. 1997-06-18
   soldstatus $20,000

ⓘ 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: $711 · $59/mo
• Projected year-2 tax: $1,411 · $118/mo
• Expected delta: +$700/yr (+$58/mo · 98.4%)

ⓘ 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 (unshaded) · 20% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥108°F today · 30 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: $27,725
• − Mortgage interest: −$9,523
• − Property taxes: −$711
• − Insurance: −$850
• − Repairs & maintenance: −$2,218
• − Management: −$2,218
• − HOA: −$3,600
• − Depreciation: −$4,945
• Taxable income: $3,659
• Est. tax owed @ 24.0%: −$878
• After-tax cash flow: $5,165/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: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — Bradenton

• Score: 81/100
• State rank: #101
• US rank: #1528

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Manatee County · 416,364 people
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 40,618
• Household income: $70,761
• Rent vs Own: 27.3% rent · 72.7% own
• Severe rent burden: 1469.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (65%)
• Race & ethnicity: White 65% Hispanic / Latino 19% Two or more races 12% Black 9% Asian 5%
• Hispanic origin (detail): Mexican 9% Puerto Rican 3% Cuban 2% Dominican 1%
• Common ancestry: Lithuanian 3% Romanian 3% Slovak 2%
• Foreign-born: 17% · Canada, Vietnam, Dominican Republic
• Languages at home: 76% English-only · Spanish 16% Vietnamese 2% Other Indo-European 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -95.87%
• Current HPI: 295.8871
• Rent YoY: ▼ -0.97%
• Metro: North Port-Sarasota-Bradenton, 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

+750.0% since first listed

6 events — show timeline

• 2026-05-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-25 Price Changed $170,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-22 Price Changed $180,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-14 Listed $185,000 Stellar MLS as Distributed by MLS Grid
• 2007-11-20 Sold (Public Records) $82,000 Public Records
• 1997-06-18 Sold (Public Records) $20,000 Public Records

Property tax history

+1.4%/yr

Latest (2025): $711 · +5.6% YoY. Source: county tax records.