1601 Hwy 441 · Taylor Creek, FL 34974

$149,900

2 bd · 2.0 ba · 1,152 sqft · SingleFamily · 100 Days on market

Built 1990 4,573 sqft lot Est $235k · 36% under $129/mo HOA · 9% of rent

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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).

• ARV discount +15.0/15.0
• Cash flow +13.2/30.0
• 1% rule +4.8/10.0
• DSCR +3.9/10.0
• Schools +3.6/10.0
• Livability +2.8/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

SINGLE WIDE WITH ADDITIONS ON POND IN OASIS VILLAGE OVER 55 COMMUNITY. CLUBHOUSE WITH POOL , SHUFFLE BOARD AND OTHER ACTIVITIES. THE ENTRY IS BEAUTIFULLY LANDSCAPED WITH NICE LIGHTING. TWO BEDROOMS, 2 & 1/2 BATHS, NEWLY REMODELED KITCHEN, 1 CAR GARAGE, AND CARPORT.

Key facts

• Pickleball courts
• Clubhouse
• Community pool

Tags

• FLORIDA ROOM ADDITION
• PRIVATE PAVED PATIO
• COMMUNITY POOL
• PICKLEBALL COURTS
• CLUBHOUSE
• LAKE OKEECHOBEE

Property features AI

Finance

• HOA & community: Community association with clubhouse, pool, and pickleball courts; Annual association fee (paid annually) which includes grounds maintenance and trash

Exterior

• Parking: Carport (covered) with 1 carport space; 2 open parking spaces; Driveway parking; Golf cart parking
• Security: Smoke detector(s)
• Utilities: Public water; Public sewer
• Home design: Mobile home; One story; First-floor entry
• Construction: Shingle / composition roof
• Exterior features: Screened porch; Porch; Patio; Outbuilding; Not waterfront; Southeast facing

Interior

• Kitchen: Dishwasher; Refrigerator; Electric water heater
• Bedrooms: 2 bedrooms on the main level
• Flooring: Vinyl flooring
• Bathrooms: 2 full bathrooms on the main level
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Smoke detectors; Screened porch and covered patio/porch areas; Outbuilding on property
• Laundry & utility: Washer hookup; Dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $150k.

Deal economics

• At list price, monthly cash flow is $-4 ($-48/yr) — negative.
• To cash-flow at today's rent, offer at most $149k (0.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $147k (2.0% below list).
• Recommended offer: $136k (9.0% below list) — sets the bar for market timing.
• Cap rate 6.3% vs local median 4.1% in Taylor Creek — 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 56/100 on livability (#874 in FL) — a working-class tenant base; expect higher turnover. Strengths: cost of living A+, housing A+, crime B+; Watch: schools F, amenities F, commute F.
• Okeechobee (town): math 44% / reading 42% proficiency, ranked #58 of 73 in FL (top 80%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 72% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 402 active listings in the ZIP; 18 units permitted in Okeechobee County in 2024 (0 in 5+ unit buildings).
• This rent runs 33% of the median local income ($53k/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 $4k of value loss. Plan a longer hold.
• Okeechobee County population projected at -21% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.

Negotiation context

• It's been on market 100 days — a 9% lower offer ($136k) is reasonable based on typical stale-listing flexibility.
• 24 sale attempts since 10y 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $136,409 (9.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 100 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
7. 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?
8. 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.
9. 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.
10. 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: 6.26%
• Cash-on-cash: -0.11%
• DSCR: 0.99
• GRM: 8.5

CMA / ARV

• ARV (on-the-fly): $235,008
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1926 SE 31st St	0.60mi	2/2.0	1,054 (-8%)	2mo	$275,000	$261	56
3633 SE 20th Ter	0.41mi	3/2.0 (+1)	1,034 (-10%)	7mo	$225,000	$218	53
2028 SE 38th Trl	0.40mi	2/2.0	1,070 (-7%)	20mo	$65,000	$61	53
3516 SE 25th Ter	0.74mi	2/2.0	1,124 (-2%)	14mo	$100,000	$89	49
3603 SE 24th Ter	0.63mi	2/1.5	1,224 (+6%)	22mo	$250,000	$204	40

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -16.4%
• Equity multiple: 0.42×
• Total profit: $-24,442
• Equity at exit: $22,351

10-year hold

• IRR: -8.0%
• Equity multiple: 0.49×
• Total profit: $-21,197
• Equity at exit: $12,961

Cash invested: $41,972 (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 34974

• Home prices YoY: -15.6%
• Active inventory: 402
• Price-to-rent: 8.5×

Monthly cashflow live

• Estimated rent: $1,470 medium
• Mortgage (P&I): −$786
• Tax est. 1.5%: −$187 /mo · $2,248/yr
• Insurance: −$62
• HOA: −$129
• Vacancy / Maint / Mgmt: −$309
• Net cashflow: $-4

Break-even live

Break-even rent $1,475

Max offer price $149,325

Occupancy floor 95%

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

HOA detail

• Monthly dues: $129 · $1,548/yr
• Likely covers: pool

Listing history 50 events

1. 2026-06-19
   days on market $149,900 Active 100 DOM
2. 2026-06-18
   days on market $149,900 Active 99 DOM
3. 2026-06-17
   days on market $149,900 Active 98 DOM
4. 2026-06-16
   days on market $149,900 Active 97 DOM
5. 2026-06-15
   days on market $149,900 Active 96 DOM
6. 2026-06-14
   days on market $149,900 Active 94 DOM
7. 2026-06-10
   days on market $149,900 Active 91 DOM
8. 2026-06-09
   days on market $149,900 Active 90 DOM
9. 2026-06-08
   days on market $149,900 Active 89 DOM
10. 2026-06-07
    days on market $149,900 Active 88 DOM
11. 2026-06-05
    days on market $149,900 Active 85 DOM
12. 2026-06-03
    days on market $149,900 Active 84 DOM
13. 2026-06-02
    days on market $149,900 Active 83 DOM
14. 2026-06-01
    days on market $149,900 Active 82 DOM
15. 2026-05-31
    days on market $149,900 Active 81 DOM
16. 2026-05-30
    days on market $149,900 Active 80 DOM
17. 2024-03-30
    soldstatus $150,000 Closed 271-char remark

    Show marketing remark (271 chars)

    SINGLE WIDE WITH ADDITIONS ON POND IN OASIS VILLAGE OVER 55 COMMUNITY. CLUBHOUSE WITH POOL , SHUFFLE BOARD AND OTHER ACTIVITIES. THE ENTRY IS BEAUTIFULLY LANDSCAPED WITH NICE LIGHTING. TWO BEDROOMS, 2 & 1/2 BATHS, NEWLY REMODELED KITCHEN, 1 CAR GARAGE, AND CARPORT.

18. 2024-03-19
    status Pending 271-char remark

    Show marketing remark (271 chars)

    SINGLE WIDE WITH ADDITIONS ON POND IN OASIS VILLAGE OVER 55 COMMUNITY. CLUBHOUSE WITH POOL , SHUFFLE BOARD AND OTHER ACTIVITIES. THE ENTRY IS BEAUTIFULLY LANDSCAPED WITH NICE LIGHTING. TWO BEDROOMS, 2 & 1/2 BATHS, NEWLY REMODELED KITCHEN, 1 CAR GARAGE, AND CARPORT.

19. 2024-03-18
    listed $150,000 Active 271-char remark

    Show marketing remark (271 chars)

    SINGLE WIDE WITH ADDITIONS ON POND IN OASIS VILLAGE OVER 55 COMMUNITY. CLUBHOUSE WITH POOL , SHUFFLE BOARD AND OTHER ACTIVITIES. THE ENTRY IS BEAUTIFULLY LANDSCAPED WITH NICE LIGHTING. TWO BEDROOMS, 2 & 1/2 BATHS, NEWLY REMODELED KITCHEN, 1 CAR GARAGE, AND CARPORT.

20. 2023-07-31
    soldstatus $100,000 Closed 350-char remark

    Show marketing remark (350 chars)

    Oasis Village - Pristine well-maintained mobile home in an active community. Come enjoy the pool, shuffleboard, clubhouse with many activities. Carport that holds two cars and parking in front of Florida Room. Plenty of parking. The backyard faces a pasture where you can sit on your patio, home comes furnished. Come and take a look. Priced to move.

21. 2023-07-03
    status Pending 350-char remark

    Show marketing remark (350 chars)

    Oasis Village - Pristine well-maintained mobile home in an active community. Come enjoy the pool, shuffleboard, clubhouse with many activities. Carport that holds two cars and parking in front of Florida Room. Plenty of parking. The backyard faces a pasture where you can sit on your patio, home comes furnished. Come and take a look. Priced to move.

22. 2023-06-19
    status Active 350-char remark

    Show marketing remark (350 chars)

    Oasis Village - Pristine well-maintained mobile home in an active community. Come enjoy the pool, shuffleboard, clubhouse with many activities. Carport that holds two cars and parking in front of Florida Room. Plenty of parking. The backyard faces a pasture where you can sit on your patio, home comes furnished. Come and take a look. Priced to move.

23. 2023-06-19
    status Pending 350-char remark

    Show marketing remark (350 chars)

    Oasis Village - Pristine well-maintained mobile home in an active community. Come enjoy the pool, shuffleboard, clubhouse with many activities. Carport that holds two cars and parking in front of Florida Room. Plenty of parking. The backyard faces a pasture where you can sit on your patio, home comes furnished. Come and take a look. Priced to move.

24. 2023-06-03
    listed $124,500 Active 350-char remark

    Show marketing remark (350 chars)

    Oasis Village - Pristine well-maintained mobile home in an active community. Come enjoy the pool, shuffleboard, clubhouse with many activities. Carport that holds two cars and parking in front of Florida Room. Plenty of parking. The backyard faces a pasture where you can sit on your patio, home comes furnished. Come and take a look. Priced to move.

25. 2022-04-11
    soldstatus $135,900 Closed
26. 2022-02-13
    status Pending
27. 2022-02-04
    listed $135,900 Active
28. 2021-12-10
    soldstatus $90,000 Closed
29. 2021-11-03
    status Pending
30. 2021-10-31
    listed $94,000 Active
31. 2021-06-21
    soldstatus $78,000 Closed
32. 2021-05-19
    soldstatus $100,000 Closed
33. 2021-04-22
    status Pending
34. 2021-03-30
    status Pending
35. 2021-03-23
    listed $104,900 Active
36. 2021-03-10
    soldstatus $78,000 Closed
37. 2021-03-09
    historical Contingent
38. 2021-02-15
    status Pending
39. 2021-02-03
    price $82,999
40. 2021-01-18
    listed $79,000 Active
41. 2020-09-08
    listed $85,000 Active
42. 2020-05-24
    historical
43. 2020-03-18
    status Active
44. 2020-02-04
    historical Contingent
45. 2020-01-21
    price $74,900
46. 2020-01-02
    price $79,500
47. 2019-12-02
    soldstatus $45,000 Sold
48. 2019-11-23
    status Pending
49. 2019-10-23
    price $59,900
50. 2019-08-16
    status Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (shaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 24 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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $17,635
• − Mortgage interest: −$8,397
• − Property taxes: −$2,248
• − Insurance: −$750
• − Repairs & maintenance: −$1,411
• − Management: −$1,411
• − HOA: −$1,548
• − Depreciation: −$4,361
• Taxable loss: −$2,490
• Est. tax savings @ 24.0%: +$598
• After-tax cash flow: $550/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: Okeechobee
• NCES district ID: 1201410
• Math proficiency: 44% ▼ -12.00%
• Reading proficiency: 42% ▼ -4.00%
• Median HH income: $36,710
• Composite: 35.73/100
• National rank: #4855
• State rank: #58 of 73 in FL

Livability — Taylor Creek

• Score: 56/100
• State rank: #874
• US rank: #23017

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Okeechobee County · 23,975 people
• Metro: Okeechobee, FL
• Population (ZIP): 23,975
• Household income: $53,013
• Rent vs Own: 18.3% rent · 81.7% own
• Severe rent burden: 399.0

Population outlook (Okeechobee County) Hauer SSP2

• Today (2025): 37,273 people
• By 2030: 35,885 · -3.7%
• By 2040: 32,931 · -11.6%
• By 2050: 29,433 · -21.0%
• By 2075: 19,607 · -47.4%
• By 2100: 11,814 · -68.3%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (74%)
• Race & ethnicity: White 74% Hispanic / Latino 19% Two or more races 8% Asian 2% Black 2% Native American 1%
• Hispanic origin (detail): Mexican 12% Puerto Rican 1% Cuban 2%
• Common ancestry: Lithuanian 2% Iranian 2% Italian 2%
• Foreign-born: 11% · Canada, Jamaica
• Languages at home: 81% English-only · Spanish 16% French/Haitian/Cajun 1% Other Indo-European 1%

Political lean MEDSL · Okeechobee

• 2024 margin: Solid R (+53.8) · D 22.9% · R 76.7%
• 2008→2024 swing: -34.6pp toward R · 2008: -19.2pp · 2024: -53.8pp
• All cycles: 2024: R+53.8 2020: R+44.4 2016: R+39.5 2012: R+20.0 2008: R+19.2

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -64.47%
• Current HPI: 348.6692
• Rent YoY: —
• Metro: Okeechobee, 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

+87.7% since first listed

63 events — show timeline

• 2024-03-30 Sold (MLS) $150,000 Stellar MLS as Distributed by MLS Grid
• 2024-03-19 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-03-18 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 2023-07-31 Sold (MLS) $100,000 MARMLS
• 2023-07-03 Pending — MARMLS
• 2023-06-19 Relisted — MARMLS
• 2023-06-19 Pending — MARMLS
• 2023-06-03 Listed $124,500 MARMLS
• 2022-04-11 Sold (MLS) $135,900 MARMLS
• 2022-02-13 Pending — MARMLS
• 2022-02-04 Listed $135,900 MARMLS
• 2021-12-10 Sold (MLS) $90,000 MARMLS
• 2021-11-03 Pending — MARMLS
• 2021-10-31 Listed $94,000 MARMLS
• 2021-06-21 Sold (MLS) $78,000 Beaches MLS
• 2021-05-19 Sold (MLS) $100,000 Stellar MLS as Distributed by MLS Grid
• 2021-04-22 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-03-30 Pending — Beaches MLS
• 2021-03-23 Listed $104,900 Stellar MLS as Distributed by MLS Grid
• 2021-03-10 Sold (MLS) $78,000 MARMLS
• 2021-03-09 Contingent — Beaches MLS
• 2021-02-15 Pending — MARMLS
• 2021-02-03 Price Changed $82,999 Beaches MLS
• 2021-01-18 Listed $79,000 MARMLS
• 2020-09-08 Listed $85,000 Beaches MLS
• 2020-05-24 Listing Removed — Beaches MLS
• 2020-03-18 Relisted — Beaches MLS
• 2020-02-04 Contingent — Beaches MLS
• 2020-01-21 Price Changed $74,900 Beaches MLS
• 2020-01-02 Price Changed $79,500 Beaches MLS
• 2019-12-02 Sold (MLS) $45,000 Stellar MLS as Distributed by MLS Grid
• 2019-11-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-10-23 Price Changed $59,900 Stellar MLS as Distributed by MLS Grid
• 2019-08-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2019-07-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2019-07-05 Listed $85,000 Beaches MLS
• 2019-06-18 Price Changed $64,900 Stellar MLS as Distributed by MLS Grid
• 2019-05-22 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2019-03-13 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2019-03-05 Listed $69,900 Stellar MLS as Distributed by MLS Grid
• 2018-12-13 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-12-13 Listed $85,000 Stellar MLS as Distributed by MLS Grid
• 2018-12-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-11-26 Listed $85,000 Stellar MLS as Distributed by MLS Grid
• 2018-06-13 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2018-06-08 Listed $79,500 Stellar MLS as Distributed by MLS Grid
• 2018-04-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2017-12-05 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2017-12-04 Listed $23,000 Stellar MLS as Distributed by MLS Grid
• 2017-11-04 Listed $64,500 Stellar MLS as Distributed by MLS Grid
• 2017-08-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2017-06-16 Listed $26,000 Stellar MLS as Distributed by MLS Grid
• 2017-06-05 Listed $115,000 Stellar MLS as Distributed by MLS Grid
• 2017-02-13 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2017-02-10 Sold (MLS) $21,000 Stellar MLS as Distributed by MLS Grid
• 2017-01-04 Sold (MLS) $65,000 Stellar MLS as Distributed by MLS Grid
• 2016-09-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2016-08-09 Listed $69,000 Stellar MLS as Distributed by MLS Grid
• 2016-08-09 Listed $69,000 Stellar MLS as Distributed by MLS Grid
• 2016-07-18 Listed $72,500 Stellar MLS as Distributed by MLS Grid
• 2016-05-17 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2016-05-02 Listed $29,900 Stellar MLS as Distributed by MLS Grid
• 2016-05-02 Listed $79,900 Stellar MLS as Distributed by MLS Grid