3500 NW 25th Cir · Bell, FL 32619

$187,500

3 bd · 2.0 ba · 1,064 sqft · Manufactured public records · 107 Days on market

Built 2022 1.02 ac lot $176/sqft · 50% below area

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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 +23.3/30.0
• Appreciation +10.0/10.0
• DSCR +7.5/10.0
• ARV discount +7.5/15.0
• 1% rule +5.6/10.0
• Schools +5.3/10.0
• Livability +3.1/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Motivated seller!!!!! Brand new HVAC system with 10 year warranty! Come discover the perfect blend of comfort and country charm in this beautifully maintained, newer 3 bedroom, 2 bath single-wide home on just over 1 acre in Bell, FL. This turn-key home welcomes you with a bright, open floor plan and quality finishes throughout. The roomy kitchen features modern appliances (all included), ample cabinetry, and an inviting space for everyday living and entertaining. The home is being offered with a substantial amount of furniture and appliances included, making this a rare true move-in ready opportunity. Outside, the fenced backyard offers privacy and room for pets, play, or gardening. Practical upgrades include a generator hookup (generator not included), sturdy 30-amp RV service, and a handy storage shed — perfect for tools, toys, or outdoor gear. Enjoy the best of North Florida's natural playground — less than a 5 mile drive to the world famous Suwannee River and just a little farther to numerous crystal-clear springs, and less than an hour to The Gulf of Mexico. Whether you're seeking a primary residence, seasonal escape, or recreational haven, this property delivers a lifestyle buyers are craving. Some photos have been virtually staged to illustrate potential furniture placement. Don't miss out on this exceptional value — schedule your private tour today!

Key facts

• Move-in ready
• Open floor plan
• 30-amp rv service

Tags

• FENCED BACKYARD
• GENERATOR HOOKUP
• 30-AMP RV SERVICE
• STORAGE SHED
• MOVE-IN READY
• OPEN FLOOR PLAN

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $188k.

Deal economics

• At list price, monthly cash flow is $344 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $188k).
• Recommended offer: $171k (9.0% below list) — sets the bar for market timing.
• Cap rate 8.5% vs local median 4.8% in Bell — 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 62/100 on livability (#767 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: crime D, health & safety D, amenities F.
• Gilchrist (rural): math 66% / reading 61% proficiency, ranked #9 of 73 in FL (top 12%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 112 active listings in the ZIP; 94 units permitted in Gilchrist County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $20k of equity ($1k loan paydown + $19k appreciation (10.0% local appreciation)).
• Gilchrist County population projected to shrink 6% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.
• 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 107 days — a 9% lower offer ($171k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 5y ago; this cycle's ask has dropped $14k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $34k; list at $188k implies a 451% 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; major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $170,625 (9.0% below list)

Questions for the listing agent

1. It's been on market 107 days. Have you received any prior offers? Is the seller open to a 9% 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. 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: 1.06% ✓
• Cap rate: 8.49%
• Cash-on-cash: 7.85%
• DSCR: 1.35
• GRM: 7.9

CMA / ARV

• ARV (median comp): $376,328
• List price: $187,500
• Delta: -50.18%
• Verdict: UNDERPRICED
• Comps: 3 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4140 NW 31st Ave	0.50mi	3/2.0	960 (-10%)	3mo	$172,000	$179	58

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

Projected returns pro-forma

9.98% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 29.9%
• Equity multiple: 3.36×
• Total profit: $123,676
• Equity at exit: $168,583

10-year hold

• IRR: 26.0%
• Equity multiple: 7.61×
• Total profit: $346,885
• Equity at exit: $363,202

Cash invested: $52,500 (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 32619

• Home prices YoY: 2.5%
• Active inventory: 112
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,986 medium
• Mortgage (P&I): −$983
• Tax from tax record: −$164 /mo · $1,966/yr
• Insurance: −$78
• HOA: −$0
• Vacancy / Maint / Mgmt: −$417
• Net cashflow: $344

Break-even live

Break-even rent $1,551

Max offer price $187,500

Occupancy floor 78%

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: $46,875
• Closing costs: $5,625
• Reserves months: —
• Total cash needed: —

Listing history 17 events

1. 2026-06-13
   statusdays on market $187,500 Pending 107 DOM
2. 2026-06-10
   days on market $187,500 Active 105 DOM
3. 2026-06-09
   days on market $187,500 Active 104 DOM
4. 2026-06-08
   pricedays on market $187,500 Active 103 DOM
5. 2026-06-07
   days on market $190,000 Active 102 DOM
6. 2026-06-05
   days on market $190,000 Active 99 DOM
7. 2026-06-02
   days on market $190,000 Active 97 DOM
8. 2026-06-01
   days on market $190,000 Active 96 DOM
9. 2026-05-31
   days on market $190,000 Active 95 DOM
10. 2026-05-30
    days on market $190,000 Active 94 DOM
11. 2026-05-19
    status Active 1397-char remark

    Show marketing remark (1397 chars)

    Motivated seller!!!!! Brand new HVAC system with 10 year warranty! Come discover the perfect blend of comfort and country charm in this beautifully maintained, newer 3 bedroom, 2 bath single-wide home on just over 1 acre in Bell, FL. This turn-key home welcomes you with a bright, open floor plan and quality finishes throughout. The roomy kitchen features modern appliances (all included), ample cabinetry, and an inviting space for everyday living and entertaining. The home is being offered with a substantial amount of furniture and appliances included, making this a rare true move-in ready opportunity. Outside, the fenced backyard offers privacy and room for pets, play, or gardening. Practical upgrades include a generator hookup (generator not included), sturdy 30-amp RV service, and a handy storage shed — perfect for tools, toys, or outdoor gear. Enjoy the best of North Florida's natural playground — less than a 5 mile drive to the world famous Suwannee River and just a little farther to numerous crystal-clear springs, and less than an hour to The Gulf of Mexico. Whether you're seeking a primary residence, seasonal escape, or recreational haven, this property delivers a lifestyle buyers are craving. Some photos have been virtually staged to illustrate potential furniture placement. Don't miss out on this exceptional value — schedule your private tour today!

12. 2026-05-18
    status Pending 1397-char remark

    Show marketing remark (1397 chars)

    Motivated seller!!!!! Brand new HVAC system with 10 year warranty! Come discover the perfect blend of comfort and country charm in this beautifully maintained, newer 3 bedroom, 2 bath single-wide home on just over 1 acre in Bell, FL. This turn-key home welcomes you with a bright, open floor plan and quality finishes throughout. The roomy kitchen features modern appliances (all included), ample cabinetry, and an inviting space for everyday living and entertaining. The home is being offered with a substantial amount of furniture and appliances included, making this a rare true move-in ready opportunity. Outside, the fenced backyard offers privacy and room for pets, play, or gardening. Practical upgrades include a generator hookup (generator not included), sturdy 30-amp RV service, and a handy storage shed — perfect for tools, toys, or outdoor gear. Enjoy the best of North Florida's natural playground — less than a 5 mile drive to the world famous Suwannee River and just a little farther to numerous crystal-clear springs, and less than an hour to The Gulf of Mexico. Whether you're seeking a primary residence, seasonal escape, or recreational haven, this property delivers a lifestyle buyers are craving. Some photos have been virtually staged to illustrate potential furniture placement. Don't miss out on this exceptional value — schedule your private tour today!

13. 2026-05-07
    price $190,000 1397-char remark

    Show marketing remark (1397 chars)

    Motivated seller!!!!! Brand new HVAC system with 10 year warranty! Come discover the perfect blend of comfort and country charm in this beautifully maintained, newer 3 bedroom, 2 bath single-wide home on just over 1 acre in Bell, FL. This turn-key home welcomes you with a bright, open floor plan and quality finishes throughout. The roomy kitchen features modern appliances (all included), ample cabinetry, and an inviting space for everyday living and entertaining. The home is being offered with a substantial amount of furniture and appliances included, making this a rare true move-in ready opportunity. Outside, the fenced backyard offers privacy and room for pets, play, or gardening. Practical upgrades include a generator hookup (generator not included), sturdy 30-amp RV service, and a handy storage shed — perfect for tools, toys, or outdoor gear. Enjoy the best of North Florida's natural playground — less than a 5 mile drive to the world famous Suwannee River and just a little farther to numerous crystal-clear springs, and less than an hour to The Gulf of Mexico. Whether you're seeking a primary residence, seasonal escape, or recreational haven, this property delivers a lifestyle buyers are craving. Some photos have been virtually staged to illustrate potential furniture placement. Don't miss out on this exceptional value — schedule your private tour today!

14. 2026-03-22
    price $195,000 1397-char remark

    Show marketing remark (1397 chars)

    Motivated seller!!!!! Brand new HVAC system with 10 year warranty! Come discover the perfect blend of comfort and country charm in this beautifully maintained, newer 3 bedroom, 2 bath single-wide home on just over 1 acre in Bell, FL. This turn-key home welcomes you with a bright, open floor plan and quality finishes throughout. The roomy kitchen features modern appliances (all included), ample cabinetry, and an inviting space for everyday living and entertaining. The home is being offered with a substantial amount of furniture and appliances included, making this a rare true move-in ready opportunity. Outside, the fenced backyard offers privacy and room for pets, play, or gardening. Practical upgrades include a generator hookup (generator not included), sturdy 30-amp RV service, and a handy storage shed — perfect for tools, toys, or outdoor gear. Enjoy the best of North Florida's natural playground — less than a 5 mile drive to the world famous Suwannee River and just a little farther to numerous crystal-clear springs, and less than an hour to The Gulf of Mexico. Whether you're seeking a primary residence, seasonal escape, or recreational haven, this property delivers a lifestyle buyers are craving. Some photos have been virtually staged to illustrate potential furniture placement. Don't miss out on this exceptional value — schedule your private tour today!

15. 2026-02-25
    listed $201,000 Active 1397-char remark

    Show marketing remark (1397 chars)

    Motivated seller!!!!! Brand new HVAC system with 10 year warranty! Come discover the perfect blend of comfort and country charm in this beautifully maintained, newer 3 bedroom, 2 bath single-wide home on just over 1 acre in Bell, FL. This turn-key home welcomes you with a bright, open floor plan and quality finishes throughout. The roomy kitchen features modern appliances (all included), ample cabinetry, and an inviting space for everyday living and entertaining. The home is being offered with a substantial amount of furniture and appliances included, making this a rare true move-in ready opportunity. Outside, the fenced backyard offers privacy and room for pets, play, or gardening. Practical upgrades include a generator hookup (generator not included), sturdy 30-amp RV service, and a handy storage shed — perfect for tools, toys, or outdoor gear. Enjoy the best of North Florida's natural playground — less than a 5 mile drive to the world famous Suwannee River and just a little farther to numerous crystal-clear springs, and less than an hour to The Gulf of Mexico. Whether you're seeking a primary residence, seasonal escape, or recreational haven, this property delivers a lifestyle buyers are craving. Some photos have been virtually staged to illustrate potential furniture placement. Don't miss out on this exceptional value — schedule your private tour today!

16. 2022-01-25
    soldstatus $34,000 952-char remark

    Show marketing remark (952 chars)

    Located on CR 340 just north of Bell you will find this 1 acre parcel with some beautiful mature trees and some improvements in place. There is a well, septic tank, and power pole (not guaranteed by seller, and will require a permit to re-activate the power). Site built or manufactured homes will work here. Only a couple of miles from the Suwannee River at Rock Bluff, where you will discover a county public boat ramp, and the gorgeous Rock Bluff Springs county park! With a 5 minute drive into the small rural town of Bell which offers schools, grocery, convenience stores, auto-mechanics, post office and a couple of restaurants. About 20 minutes into High Springs. Gilchrist County offers A rated schools in a friendly rural community with the Suwannee and Santa Fe Rivers, and numerous fresh water springs! Are you ready to move your family out of the chaos and into the country? Here is an affordable way to get started! "Buy Dirt"!!

17. 2021-11-19
    listed $34,900 952-char remark

    Show marketing remark (952 chars)

    Located on CR 340 just north of Bell you will find this 1 acre parcel with some beautiful mature trees and some improvements in place. There is a well, septic tank, and power pole (not guaranteed by seller, and will require a permit to re-activate the power). Site built or manufactured homes will work here. Only a couple of miles from the Suwannee River at Rock Bluff, where you will discover a county public boat ramp, and the gorgeous Rock Bluff Springs county park! With a 5 minute drive into the small rural town of Bell which offers schools, grocery, convenience stores, auto-mechanics, post office and a couple of restaurants. About 20 minutes into High Springs. Gilchrist County offers A rated schools in a friendly rural community with the Suwannee and Santa Fe Rivers, and numerous fresh water springs! Are you ready to move your family out of the chaos and into the country? Here is an affordable way to get started! "Buy Dirt"!!

ⓘ 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: $1,966 · $164/mo
• Projected year-2 tax: $1,966 · $164/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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,830
• − Mortgage interest: −$10,503
• − Property taxes: −$1,966
• − Insurance: −$938
• − Repairs & maintenance: −$1,906
• − Management: −$1,906
• − Depreciation: −$5,455
• Taxable income: $1,157
• Est. tax owed @ 24.0%: −$278
• After-tax cash flow: $3,846/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: Gilchrist
• NCES district ID: 1200630
• Math proficiency: 66% ▼ -4.00%
• Reading proficiency: 61% ▼ -5.00%
• Median HH income: $39,610
• Composite: 53.01/100
• National rank: #1522
• State rank: #9 of 73 in FL

Livability — Bell

• Score: 62/100
• State rank: #767
• US rank: #17229

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 5,227
• Population (ZIP): 5,227

Population outlook (Gilchrist County) Hauer SSP2

• Today (2025): 17,730 people
• By 2030: 17,722 · +-0.0%
• By 2040: 17,393 · -1.9%
• By 2050: 16,597 · -6.4%
• By 2075: 14,300 · -19.3%
• By 2100: 11,498 · -35.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (90%)
• Race & ethnicity: White 90% Hispanic / Latino 7% Two or more races 4%
• Hispanic origin (detail): Mexican 3%
• Common ancestry: Lithuanian 9% Romanian 3% Scotch-Irish 2%
• Foreign-born: 7% · Canada
• Languages at home: 93% English-only · Spanish 4% German/W. Germanic 2% Tagalog/Filipino 1%

Political lean MEDSL · Gilchrist

• 2024 margin: Solid R (+68.0) · D 15.6% · R 83.6%
• 2008→2024 swing: -21.2pp toward R · 2008: -46.8pp · 2024: -68.0pp
• All cycles: 2024: R+68.0 2020: R+64.0 2016: R+62.8 2012: R+51.0 2008: R+46.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 9.98%
• Current HPI: 404.4164
• 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

+444.4% since first listed

7 events — show timeline

• 2026-05-19 Relisted — DGLMLS
• 2026-05-18 Pending — DGLMLS
• 2026-05-07 Price Changed $190,000 DGLMLS
• 2026-03-22 Price Changed $195,000 DGLMLS
• 2026-02-25 Listed $201,000 DGLMLS
• 2022-01-25 Sold (MLS) $34,000 DGLMLS
• 2021-11-19 Listed $34,900 DGLMLS

Property tax history

+11.2%/yr

Latest (2025): $1,966 · +3.3% YoY. Source: county tax records.