1326 SW 69th Rd · Bushnell, FL 33513

$185,000

2 bd · 2.0 ba · 1,024 sqft · Manufactured public records · 76 Days on market

Built 2021 0.31 ac lot Est $180k · at est.

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Why this score? — see what drove the C 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 +18.5/30.0
• Appreciation +10.0/10.0
• ARV discount +6.3/15.0
• DSCR +5.8/10.0
• Schools +5.2/10.0
• 1% rule +3.7/10.0
• Livability +2.9/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Check out this cute as a button, practically new mobile home that is so close to Dade Battlefield Park that you could walk there without breaking a sweat. Perfect for just starting out or retirement, this 2/2 has a very nice master bedroom and the master bathroom is extra nice with a large shower, rain showerhead, built in seat and upgraded shower door. The living room has built in entertainment shelving that your big screen tv will fit in perfectly and is open to the galley style kitchen. There is a second bedroom and bath perfect for guests or office. This residence has been lived in for 3 months and is in tip top shape. The lot is chain link fenced and has a large 8 x 20 shed with carport for your lawnmower and plenty of storage space for all of your tools and Christmas decorations! This property does share a well with the neighbors so you will need to have your own well put in. Don't let this fantastic opportunity pass you by.

Key facts

• Ample cabinetry
• Spacious kitchen
• Detached shop

Tags

• LARGE FULLY FENCED LOT
• DETACHED SHOP
• UPDATED SHOWER
• SPACIOUS KITCHEN
• AMPLE CABINETRY
• COUNTER SPACE

Property features AI

Finance

• Other: Property classified as residential (manufactured home); Zoned R; Lot approximately 0.31 acres (cleared); Road is dirt and publicly maintained
• Financial info: Lease restrictions apply
• HOA & community: No association

Exterior

• Parking: Carport with 2 spaces; 20 x 20 garage
• Utilities: Well water; Septic tank; High-speed internet available; Electricity connected; One well and one septic on property
• Home design: Manufactured single-wide home; One level; Home faces south
• Construction: Metal frame construction; Metal siding; Metal roof; Crawlspace foundation; Approximately 1024 sq ft living area
• Exterior features: Cleared, unpaved lot; Chain link fencing; Other exterior features

Interior

• Kitchen: Dishwasher; Range; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Thermostat
• Laundry & utility: Inside laundry room; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $185k.

Deal economics

• At list price, monthly cash flow is $174 ($2k/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 $161k (13.0% below list).
• Recommended offer: $161k (13.0% below list) — sets the bar for 1% rule.
• Cap rate 7.4% vs local median 4.2% in Bushnell — 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 58/100 on livability (#835 in FL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime A-; Watch: health & safety C-, amenities F, commute F.
• Sumter (rural): math 61% / reading 61% proficiency, ranked #11 of 73 in FL (top 15%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Bushnell Elementary School (math 65% / reading 63%, grade B, #552 of 2,144 statewide, top 26%, 760 students, 61% FRL); South Sumter High School (math 33% / reading 48%, grade F, #294 of 667 statewide, top 44%, 1,045 students, 52% FRL).
• Market conditions: 97 active listings in the ZIP; 3,961 units permitted in Sumter County in 2024 (248 in 5+ unit buildings).

Forward outlook

• In year one you build about $20k of equity ($1k loan paydown + $18k appreciation (10.0% local appreciation)).
• Sumter County population projected at +45% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (10.0% appreciation + 3.0% rent growth), your $52k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 2, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 76 days — a 6% lower offer ($174k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 3y ago; this cycle's ask has dropped $15k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $150k; 23% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $161,006 (13.0% below list)

Questions for the listing agent

1. It's been on market 76 days. Have you received any prior offers? Is the seller open to a 13% 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. 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: 0.87% ✗
• Cap rate: 7.42%
• Cash-on-cash: 4.04%
• DSCR: 1.18
• GRM: 9.6

CMA / ARV

• ARV (on-the-fly): $180,224
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1326 SW 69th Rd	0.00mi	2/2.0	1,024 (0%)	0mo	$180,000	$176	100

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

Projected returns pro-forma

10.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 27.2%
• Equity multiple: 3.16×
• Total profit: $111,778
• Equity at exit: $166,663

10-year hold

• IRR: 23.7%
• Equity multiple: 7.18×
• Total profit: $320,258
• Equity at exit: $359,414

Cash invested: $51,800 (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 33513

• Home prices YoY: 12.8%
• Active inventory: 97
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $1,610 medium
• Mortgage (P&I): −$970
• Tax from tax record: −$50 /mo · $603/yr
• Insurance: −$77
• HOA: −$0
• Vacancy / Maint / Mgmt: −$338
• Net cashflow: $174

Break-even live

Break-even rent $1,389

Max offer price $185,000

Occupancy floor 84%

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: $46,250
• Closing costs: $5,550
• Reserves months: —
• Total cash needed: —

Listing history 11 events

1. 2026-05-15
   status Pending
2. 2026-05-06
   price $185,000
3. 2026-04-20
   status Active
4. 2026-04-10
   status Pending
5. 2026-03-26
   price $190,000
6. 2026-03-12
   price $195,000
7. 2026-02-18
   listed $200,000 Active
8. 2023-07-10
   soldstatus $150,000
9. 2023-06-28
   soldstatus $150,000 Closed 944-char remark

   Show marketing remark (944 chars)

   Check out this cute as a button, practically new mobile home that is so close to Dade Battlefield Park that you could walk there without breaking a sweat. Perfect for just starting out or retirement, this 2/2 has a very nice master bedroom and the master bathroom is extra nice with a large shower, rain showerhead, built in seat and upgraded shower door. The living room has built in entertainment shelving that your big screen tv will fit in perfectly and is open to the galley style kitchen. There is a second bedroom and bath perfect for guests or office. This residence has been lived in for 3 months and is in tip top shape. The lot is chain link fenced and has a large 8 x 20 shed with carport for your lawnmower and plenty of storage space for all of your tools and Christmas decorations! This property does share a well with the neighbors so you will need to have your own well put in. Don't let this fantastic opportunity pass you by.

10. 2023-06-01
    status Pending 944-char remark

    Show marketing remark (944 chars)

    Check out this cute as a button, practically new mobile home that is so close to Dade Battlefield Park that you could walk there without breaking a sweat. Perfect for just starting out or retirement, this 2/2 has a very nice master bedroom and the master bathroom is extra nice with a large shower, rain showerhead, built in seat and upgraded shower door. The living room has built in entertainment shelving that your big screen tv will fit in perfectly and is open to the galley style kitchen. There is a second bedroom and bath perfect for guests or office. This residence has been lived in for 3 months and is in tip top shape. The lot is chain link fenced and has a large 8 x 20 shed with carport for your lawnmower and plenty of storage space for all of your tools and Christmas decorations! This property does share a well with the neighbors so you will need to have your own well put in. Don't let this fantastic opportunity pass you by.

11. 2023-05-29
    listed $150,000 Active 944-char remark

    Show marketing remark (944 chars)

    Check out this cute as a button, practically new mobile home that is so close to Dade Battlefield Park that you could walk there without breaking a sweat. Perfect for just starting out or retirement, this 2/2 has a very nice master bedroom and the master bathroom is extra nice with a large shower, rain showerhead, built in seat and upgraded shower door. The living room has built in entertainment shelving that your big screen tv will fit in perfectly and is open to the galley style kitchen. There is a second bedroom and bath perfect for guests or office. This residence has been lived in for 3 months and is in tip top shape. The lot is chain link fenced and has a large 8 x 20 shed with carport for your lawnmower and plenty of storage space for all of your tools and Christmas decorations! This property does share a well with the neighbors so you will need to have your own well put in. Don't let this fantastic opportunity pass you by.

ⓘ 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: $603 · $50/mo
• Projected year-2 tax: $1,536 · $128/mo
• Expected delta: +$932/yr (+$78/mo · 154.5%)

ⓘ 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 · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,321
• − Mortgage interest: −$10,363
• − Property taxes: −$603
• − Insurance: −$925
• − Repairs & maintenance: −$1,546
• − Management: −$1,546
• − Depreciation: −$5,382
• Taxable loss: −$1,044
• Est. tax savings @ 24.0%: +$250
• After-tax cash flow: $2,344/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: Sumter
• NCES district ID: 1201800
• Math proficiency: 61% ▼ -4.00%
• Reading proficiency: 61% ▼ -2.00%
• Median HH income: $48,240
• Composite: 51.74/100
• National rank: #1682
• State rank: #11 of 73 in FL

Livability — Bushnell

• Score: 58/100
• State rank: #835
• US rank: #20676

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Population (ZIP): 13,647

Population outlook (Sumter County) Hauer SSP2

• Today (2025): 161,172 people
• By 2030: 180,083 · +11.7%
• By 2040: 209,892 · +30.2%
• By 2050: 234,186 · +45.3%
• By 2075: 284,602 · +76.6%
• By 2100: 317,039 · +96.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Black 11% Hispanic / Latino 10% Two or more races 4% Asian 1%
• Hispanic origin (detail): Mexican 4% Puerto Rican 3%
• Common ancestry: Lithuanian 3% Serbian 3% Iranian 1%
• Foreign-born: 2% · Canada, China
• Languages at home: 92% English-only · Spanish 6% Chinese 1%

Political lean MEDSL · Sumter

• 2024 margin: Solid R (+37.6) · D 30.9% · R 68.6%
• 2008→2024 swing: -10.6pp toward R · 2008: -27.0pp · 2024: -37.6pp
• All cycles: 2024: R+37.6 2020: R+36.1 2016: R+39.2 2012: R+34.9 2008: R+27.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 40.29%
• Current HPI: 354.5531
• 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

+23.3% since first listed

11 events — show timeline

• 2026-05-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-06 Price Changed $185,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-20 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-10 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-26 Price Changed $190,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-12 Price Changed $195,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Listed $200,000 Stellar MLS as Distributed by MLS Grid
• 2023-07-10 Sold (Public Records) $150,000 Public Records
• 2023-06-28 Sold (MLS) $150,000 Stellar MLS as Distributed by MLS Grid
• 2023-06-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-05-29 Listed $150,000 Stellar MLS as Distributed by MLS Grid

Property tax history

-6.6%/yr

Latest (2025): $603 · +21.3% YoY. Source: county tax records.