1342 NW Moore Rd · Five Points, FL 32055

$125,000

2 bd · 2.0 ba · 1,512 sqft · Manufactured public records · 72 Days on market

Built 1998 1.01 ac lot

---

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 +24.6/30.0
• Appreciation +10.0/10.0
• DSCR +7.9/10.0
• ARV discount +7.5/15.0
• 1% rule +5.8/10.0
• Schools +4.5/10.0
• Livability +3.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks MLS

Mobile Home on 1 acre close to I-10. This home features 3 bedrooms and 2 baths. Home also has a bonus room that does require some work. Home does have a new well and water softener.

Key facts

• Shaded lot
• Practice band room
• Large back yard

Tags

• SHADED LOT
• LARGE BACK YARD
• PRACTICE BAND ROOM

Property features AI

Exterior

• Parking: 2-car garage
• Utilities: Private well water; Cable available
• Home design: Manufactured home; Residential property; Faces unknown
• Construction: Frame construction; Metal roof
• Exterior features: Deck; Shed(s); Workshop; Irregular lot

Interior

• Kitchen: Refrigerator; Gas cooktop
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Interior features: Refrigerator; Gas cooktop

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $125k.

Deal economics

• At list price, monthly cash flow is $258 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $125k).
• Recommended offer: $118k (6.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 59/100 on livability (#830 in FL) — a working-class tenant base; expect higher turnover. Strengths: crime A+, cost of living A+, housing B+; Watch: amenities F, commute F, employment F.
• Columbia (town): math 53% / reading 54% proficiency, ranked #25 of 73 in FL (top 34%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Five Points Elementary School (math 47% / reading 47%, grade D-, #1,191 of 2,144 statewide, top 57%, 400 students, 83% FRL); Columbia High School (math 28% / reading 45%, grade F, #351 of 667 statewide, top 54%, 1,737 students, 50% FRL).
• Market conditions: 144 active listings in the ZIP; 178 units permitted in Columbia County in 2024 (0 in 5+ unit buildings).

Forward outlook

• In year one you build about $13k of equity ($864 loan paydown + $12k appreciation (10.0% local appreciation)).
• Columbia County population projected to shrink 7% 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 $35k cash investment doubles in ~3 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$34k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 72 days — a 6% lower offer ($118k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 4y 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.
• Current owner paid $89k; 40% 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; major wildfire risk; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $117,500 (6.0% below list)

Questions for the listing agent

1. It's been on market 72 days. Have you received any prior offers? Is the seller open to a 6% 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 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?
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: 1.08% ✓
• Cap rate: 8.77%
• Cash-on-cash: 8.85%
• DSCR: 1.39
• GRM: 7.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 30.7%
• Equity multiple: 3.41×
• Total profit: $84,501
• Equity at exit: $112,610

10-year hold

• IRR: 26.6%
• Equity multiple: 7.74×
• Total profit: $235,892
• Equity at exit: $242,848

Cash invested: $35,000 (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 32055

• Home prices YoY: 24.1%
• Active inventory: 144
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $1,352 medium
• Mortgage (P&I): −$656
• Tax from tax record: −$102 /mo · $1,229/yr
• Insurance: −$52
• HOA: −$0
• Vacancy / Maint / Mgmt: −$284
• Net cashflow: $258

Break-even live

Break-even rent $1,025

Max offer price $125,000

Occupancy floor 76%

Sensitivity live

Price	-10% $329	-5% $293	+0% $258	+5% $223	+10% $187
Rent	-10% $151	-5% $205	+0% $258	+5% $311	+10% $365
Rate	-1.0pp $321	-0.5pp $290	base $258	+0.5pp $226	+1.0pp $193

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-18
   days on market $125,000 Active 72 DOM
2. 2026-06-17
   days on market $125,000 Active 71 DOM
3. 2026-06-16
   days on market $125,000 Active 70 DOM
4. 2026-06-15
   days on market $125,000 Active 69 DOM
5. 2026-06-14
   days on market $125,000 Active 67 DOM
6. 2026-06-12
   days on market $125,000 Active 66 DOM
7. 2026-06-09
   days on market $125,000 Active 63 DOM
8. 2026-06-08
   days on market $125,000 Active 62 DOM
9. 2026-06-07
   days on market $125,000 Active 61 DOM
10. 2026-06-05
    days on market $125,000 Active 58 DOM
11. 2026-06-03
    days on market $125,000 Active 57 DOM
12. 2026-06-02
    days on market $125,000 Active 56 DOM
13. 2026-06-01
    days on market $125,000 Active 55 DOM
14. 2026-05-31
    days on market $125,000 Active 54 DOM
15. 2026-05-30
    days on market $125,000 Active 53 DOM
16. 2026-04-07
    listed $125,000 Active
17. 2022-11-16
    soldstatus $89,000
18. 2022-10-31
    soldstatus $90,000 Closed 181-char remark

    Show marketing remark (181 chars)

    Mobile Home on 1 acre close to I-10. This home features 3 bedrooms and 2 baths. Home also has a bonus room that does require some work. Home does have a new well and water softener.

19. 2022-10-22
    status Active 181-char remark

    Show marketing remark (181 chars)

    Mobile Home on 1 acre close to I-10. This home features 3 bedrooms and 2 baths. Home also has a bonus room that does require some work. Home does have a new well and water softener.

20. 2022-10-19
    status Active Under Contract 181-char remark

    Show marketing remark (181 chars)

    Mobile Home on 1 acre close to I-10. This home features 3 bedrooms and 2 baths. Home also has a bonus room that does require some work. Home does have a new well and water softener.

21. 2022-06-30
    listed $100,000 Active 181-char remark

    Show marketing remark (181 chars)

    Mobile Home on 1 acre close to I-10. This home features 3 bedrooms and 2 baths. Home also has a bonus room that does require some work. Home does have a new well and water softener.

22. 2002-06-07
    soldstatus $10,000

ⓘ 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: $1,229 · $102/mo
• Projected year-2 tax: $1,229 · $102/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 ≥107°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 5/10 Major 9 unhealthy d/yr today · 10 by 30 yrs out

Taxation est. · year 1

• Rental income: $16,224
• − Mortgage interest: −$7,002
• − Property taxes: −$1,229
• − Insurance: −$625
• − Repairs & maintenance: −$1,298
• − Management: −$1,298
• − Depreciation: −$3,636
• Taxable income: $1,136
• Est. tax owed @ 24.0%: −$273
• After-tax cash flow: $2,824/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: Columbia
• NCES district ID: 1200360
• Math proficiency: 53% ▼ -10.00%
• Reading proficiency: 54% ▼ -3.00%
• Median HH income: $40,053
• Composite: 44.74/100
• National rank: #2750
• State rank: #25 of 73 in FL

Livability — Five Points

• Score: 59/100
• State rank: #830
• US rank: #20313

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Columbia County · 40,507 people
• Metro: Lake City, FL
• Population (ZIP): 17,559
• Household income: $61,111
• Rent vs Own: 37.0% rent · 63.0% own
• Severe rent burden: 391.0

Population outlook (Columbia County) Hauer SSP2

• Today (2025): 68,129 people
• By 2030: 67,501 · -0.9%
• By 2040: 65,465 · -3.9%
• By 2050: 63,058 · -7.4%
• By 2075: 56,291 · -17.4%
• By 2100: 45,243 · -33.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (61%)
• Race & ethnicity: White 61% Black 29% Two or more races 5% Hispanic / Latino 4%
• Common ancestry: Romanian 2% Iranian 2% Lithuanian 1%
• Foreign-born: 3% · Canada
• Languages at home: 96% English-only · Spanish 2%

Political lean MEDSL · Columbia

• 2024 margin: Solid R (+50.2) · D 24.6% · R 74.7%
• 2008→2024 swing: -16.4pp toward R · 2008: -33.8pp · 2024: -50.2pp
• All cycles: 2024: R+50.2 2020: R+45.2 2016: R+44.5 2012: R+36.7 2008: R+33.8

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▲ 67.79%
• Current HPI: 348.8923
• Rent YoY: —
• Metro: Lake City, 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

+1150.0% since first listed

7 events — show timeline

• 2026-04-07 Listed $125,000 NFMLS
• 2022-11-16 Sold (Public Records) $89,000 Public Records
• 2022-10-31 Sold (MLS) $90,000 NFMLS
• 2022-10-22 Relisted — NFMLS
• 2022-10-19 Relisted — NFMLS
• 2022-06-30 Listed $100,000 NFMLS
• 2002-06-07 Sold (Public Records) $10,000 Public Records

Property tax history

+3.0%/yr

Latest (2025): $1,229 · +4.3% YoY. Source: county tax records.