7801 34th Ave N #2 · St. Petersburg, FL 33710

$66,000

2 bd · 1.0 ba · 460 sqft · Manufactured public records · 90 Days on market

Built 1959 $177/mo HOA

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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 +30.0/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

"NEW MOON" mobile home in 55+ RESIDENT OWNED park in one of the best and safest neighborhoods in St. Petersburg. Great singles or bachelor pad, offered by non smoking older handyman and veteran, owned for 21 years who has been a board member of the neighborhood association for many years. Fully furnished = 50" Sony LED TV, surround sound system, leather furniture, zero gravity recliner, memory foam mattress, gun safe, large office w/ file cabinet & jewelry chest, Huge yard (one of best lots in the park), no neighbors on two sides = privacy, 2 patios, 5 gardens, enclosed porch, newer appliances = propane stove, frig. AC, combo waher/dryer, brand new micro/convection/air fryer unit, water filter in kitchen sink and bathroom vanity and toilet. Front half rebuilt with pressure treated 2x4's, spray foam insulation, sheet rock, wood floor, windows. Roof sealed and mobile painted last year. Porch, shed, 2 patios, office and bathroom painted 7 months ago. Low park fees no land lease. Cats and small dogs OK (max 2). Renting out is OK, great to live in and/or as rental property. Across from the 133 acre Walter Fuller Park with walking trails, a pool, picnic areas, a dog park, large lake, basketball / tennis/ pickleball courts and several festival & sporting events. Close to mall, restaurants, auto shops, Walmart, Target and 5-10 minutes to VA HOSPITAL. Lots more info and pictures to those seriously interested. Price includes share in the co-op.

Key facts

• Two patios
• Covered carport
• Newer appliances

Tags

• HUGE BACKYARD
• TWO PATIOS
• FIVE GARDENS
• ENCLOSED PORCH
• COVERED CARPORT
• NEWER APPLIANCES

Property features AI

Finance

• Other: Furnished negotiable
• Financial info: Total monthly fees $177; Total annual fees $2,124
• HOA & community: Has HOA (Lamont Mgmt) — monthly fee $177; HOA fee includes common area taxes, escrow reserves, fidelity bond, grounds maintenance, management, sewer, trash and water; Association approval required; Clubhouse; Senior community; Buyer approval required; Golf carts allowed; No Truck/RV/Motorcycle parking; Pets allowed (cats and dogs; limits on number and size)

Exterior

• Parking: Covered parking; Carport with 2 spaces
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer; Propane; Electricity connected; Water connected; Sewer connected; Cable connected; Underground utilities
• Home design: Mobile Home (Single Wide); One story; Southwest facing; Accessible entrance
• Construction: Metal siding and frame construction; Metal roof; Pillar/Post/Pier foundation; Make: New Moon
• Exterior features: Covered patio/porch; Front porch; Rear porch; Shed(s); Landscaped lot; Level lot; Private lot; Paved; Asphalt road

Interior

• Kitchen: Microwave; Range hood; Refrigerator; Water purifier
• Bedrooms: 2 bedrooms
• Flooring: Vinyl; Wood
• Bathrooms: 1 full bathroom; Accessible full bath
• Heating & cooling: Propane heating; Wall/Window unit cooling
• Interior features: Open floorplan; Drapes; Florida room
• Laundry & utility: Washer; Dryer; Inside laundry in a laundry closet

🏢 Co-op / cooperative unit. The $66,000 price buys shares in the cooperative corporation, not the real estate itself — so it isn't comparable to a fee-simple sale price, and the cashflow / cap-rate / 1%-rule cards below (which assume you own the property and can rent it out) don't apply here. Expect board approval and a monthly maintenance fee on top of the price.

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $66k.

Deal economics

• At list price, monthly cash flow is $637 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $66k).
• Recommended offer: $62k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — affects rentability + tenant quality, not the cash-flow math above.
• Pinellas (suburban): math 51% / reading 51% proficiency, ranked #31 of 73 in FL (top 42%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Seventy-Fourth St. Elementary (math 30% / reading 22%, grade F, #2,015 of 2,144 statewide, top 94%, 444 students, 72% FRL); Boca Ciega High School (math 24% / reading 33%, grade F, #458 of 667 statewide, top 69%, 1,423 students, 64% FRL) — zoned schools average 68% FRL vs 48% district-wide (20 pts higher); higher-poverty schools than district average — tighter screening recommended.
• Zoned-school proficiency averages 27% at this address vs 51% district-wide (-24 pts) — the specific schools serving this property underperform the Pinellas average; the district grade overstates school quality for this exact location.
• Market conditions: Rents soft (-0.5%/yr); 313 active listings in the ZIP; solid renter incomes; 2,676 units permitted in Pinellas County in 2024 (1,422 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $456 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Pinellas County population projected at +14% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $18k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 90 days — a 6% lower offer ($62k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 22y ago; this cycle's ask has dropped $9k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $10k; list at $66k implies a 560% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1959 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→25/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $62,040 (6.0% below list)

Questions for the listing agent

1. It's been on market 90 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1959 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 2.33% ✓
• Cap rate: 17.87%
• Cash-on-cash: 41.34%
• DSCR: 2.84
• GRM: 3.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 34.1%
• Equity multiple: 2.38×
• Total profit: $25,442
• Equity at exit: $9,841

10-year hold

• IRR: 39.2%
• Equity multiple: 4.10×
• Total profit: $57,345
• Equity at exit: $5,706

Cash invested: $18,480 (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 33710

• Rents YoY: -0.5%
• Active inventory: 313
• Price-to-rent: 3.6×

Monthly cashflow live

• Estimated rent: $1,538 medium
• Mortgage (P&I): −$346
• Tax from tax record: −$28 /mo · $333/yr
• Insurance: −$28
• HOA: −$177
• Vacancy / Maint / Mgmt: −$323
• Net cashflow: $637

Break-even live

Break-even rent $732

Max offer price $66,000

Occupancy floor 54%

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: $16,500
• Closing costs: $1,980
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $177 · $2,124/yr
• Likely covers: waterpool

Listing history 21 events

1. 2026-06-18
   days on market $66,000 Active 90 DOM
2. 2026-06-17
   days on market $66,000 Active 89 DOM
3. 2026-06-16
   days on market $66,000 Active 88 DOM
4. 2026-06-15
   days on market $66,000 Active 87 DOM
5. 2026-06-13
   days on market $66,000 Active 85 DOM
6. 2026-06-09
   pricedays on market $66,000 Active 81 DOM
7. 2026-06-08
   days on market $69,900 Active 80 DOM
8. 2026-06-07
   days on market $69,900 Active 79 DOM
9. 2026-06-04
   days on market $69,900 Active 76 DOM
10. 2026-06-03
    days on market $69,900 Active 75 DOM
11. 2026-06-01
    days on market $69,900 Active 73 DOM
12. 2026-05-31
    days on market $69,900 Active 72 DOM
13. 2026-04-10
    price $69,900
14. 2026-03-20
    listed $75,000 Active
15. 2025-11-05
    listed $78,500 Active 1485-char remark

    Show marketing remark (1485 chars)

    "NEW MOON" mobile home in 55+ RESIDENT OWNED park in one of the best and safest neighborhoods in St. Petersburg. Great singles or bachelor pad, offered by non smoking older handyman and veteran, owned for 21 years who has been a board member of the neighborhood association for many years. Fully furnished = 50" Sony LED TV, surround sound system, leather furniture, zero gravity recliner, memory foam mattress, gun safe, large office w/ file cabinet & jewelry chest, Huge yard (one of best lots in the park), no neighbors on two sides = privacy, 2 patios, 5 gardens, enclosed porch, newer appliances = propane stove, frig. AC, combo waher/dryer, brand new micro/convection/air fryer unit, water filter in kitchen sink and bathroom vanity and toilet. Front half rebuilt with pressure treated 2x4's, spray foam insulation, sheet rock, wood floor, windows. Roof sealed and mobile painted last year. Porch, shed, 2 patios, office and bathroom painted 7 months ago. Low park fees no land lease. Cats and small dogs OK (max 2). Renting out is OK, great to live in and/or as rental property. Across from the 133 acre Walter Fuller Park with walking trails, a pool, picnic areas, a dog park, large lake, basketball / tennis/ pickleball courts and several festival & sporting events. Close to mall, restaurants, auto shops, Walmart, Target and 5-10 minutes to VA HOSPITAL. Lots more info and pictures to those seriously interested. Price includes share in the co-op.

16. 2025-10-31
    historical
17. 2025-05-20
    price $74,500
18. 2025-04-28
    listed $79,500 Active
19. 2004-10-27
    soldstatus $10,000
20. 2004-10-13
    historical
21. 2004-01-07
    listed $13,000

ⓘ 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: $333 · $28/mo
• Projected year-2 tax: $548 · $46/mo
• Expected delta: +$215/yr (+$18/mo · 64.4%)

ⓘ 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 1/10 Low
• 🌡 Heat 10/10 Extreme 7 d/yr ≥107°F today · 25 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,455
• − Mortgage interest: −$3,697
• − Property taxes: −$333
• − Insurance: −$330
• − Repairs & maintenance: −$1,476
• − Management: −$1,476
• − HOA: −$2,124
• − Depreciation: −$1,920
• Taxable income: $7,098
• Est. tax owed @ 24.0%: −$1,704
• After-tax cash flow: $5,936/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: Pinellas
• NCES district ID: 1201560
• Math proficiency: 51% ▼ -5.00%
• Reading proficiency: 51% ▼ -3.00%
• Median HH income: $46,270
• Composite: 43.27/100
• National rank: #3046
• State rank: #31 of 73 in FL

Livability — St. Petersburg

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: St. Petersburg, FL
• County: Pinellas County · 939,478 people
• City population: 249,151
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 33,796
• Household income: $78,611
• Rent vs Own: 18.1% rent · 81.9% own
• Severe rent burden: 542.0

Population outlook (Pinellas County) Hauer SSP2

• Today (2025): 1,027,532 people
• By 2030: 1,063,586 · +3.5%
• By 2040: 1,125,020 · +9.5%
• By 2050: 1,168,637 · +13.7%
• By 2075: 1,265,188 · +23.1%
• By 2100: 1,260,357 · +22.7%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (77%)
• Race & ethnicity: White 77% Two or more races 10% Hispanic / Latino 9% Asian 5% Black 4%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 2%
• Common ancestry: Lithuanian 3% Romanian 3% Slovak 2%
• Foreign-born: 12% · Canada, Vietnam, China
• Languages at home: 85% English-only · Spanish 7% Other Indo-European 2% Russian/Polish/Slavic 2%

Political lean MEDSL · Pinellas

• 2024 margin: Lean R (+5.2) · D 46.9% · R 52.1%
• 2008→2024 swing: -13.5pp toward R · 2008: 8.3pp · 2024: -5.2pp
• All cycles: 2024: R+5.2 2020: D+0.2 2016: R+1.1 2012: D+5.6 2008: D+8.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -547.31%
• Current HPI: 405.0731
• Rent YoY: ▼ -0.48%
• 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

+437.7% since first listed

9 events — show timeline

• 2026-04-10 Price Changed $69,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-20 Listed $75,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-05 Listed $78,500 Fizber.com
• 2025-10-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-05-20 Price Changed $74,500 Stellar MLS as Distributed by MLS Grid
• 2025-04-28 Listed $79,500 Stellar MLS as Distributed by MLS Grid
• 2004-10-27 Sold (MLS) $10,000 Stellar MLS as Distributed by MLS Grid
• 2004-10-13 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2004-01-07 Listed $13,000 Stellar MLS as Distributed by MLS Grid