3326 Bonnie Dr · Bradenton, FL 34222

$114,900

2 bd · 1.0 ba · 770 sqft · Manufactured public records · 293 Days on market

Built 1983 2,248 sqft lot Est $102k · 13% over $211/mo HOA · 10% of rent

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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
• Schools +4.4/10.0
• Livability +4.0/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• ARV discount +1.6/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

Act fast and this exceptionally well-maintained mobile home in the highly sought after Terra Siesta MH co-op could be yours. Perfect for seasonal or year-round living at it's best. The air conditioner was new in 2021. You will notice pride of ownership immediately upon arriving. You will surly enjoy your meals in the generous, well laid out kitchen that has been nicely updated and is fully furnished with all you need to prepare meals. No need to carry your laundry out side and down steps as the washer and dryer are conveniently located just outside the bathroom. The ceilings in the kitchen and living room area are slightly vaulted for a feeling of airiness with a touch of wood accents to add to the charm. The large cabana room has many windows and even has ducted heat and air for year-round use. There is a hidabed for extra sleeping space if needed. The attached shed includes much needed items as well to help maintain the home which is located near the end of the street that allows for more privacy. Cook your meals out on the included gas grill and then ride around the park on the "new to you" golf cart. It has newer tires and batteries. All furnishings convey with the home so only personal items needed. Enjoy one of the 2 heated pools is you choose or get a book from of the 2 clubhouses and just relax. There are many planned activities to participate in if so inclined. Join in a pickleball or bocce ball game or enjoy a concert in the park. Shuffle board is also a popular activity. The location of this park near I75 allows for easy, quick access to shopping, beaches, restaurants and airports. The outlet mall is only 2 miles away for some great shopping locally. Agent/buyer should verify all information and room sizes.

Key facts

• Quartz countertops
• Brand-new appliances
• Stainless sink

Tags

• REMODELED MANUFACTURED HOME
• LUXURY VINYL PLANK FLOORING
• CEDAR SHIPLAP ACCENT WALLS
• QUARTZ COUNTERTOPS
• STAINLESS SINK
• BRAND-NEW APPLIANCES

Property features AI

Finance

• Other: Partially furnished; Directions provided to the community
• Financial info: Lease restrictions apply; Total annual fees reported as $2,532
• HOA & community: Monthly association fee of $211 (includes common area taxes, pool, escrow reserves, management, private road, sewer, trash, water); Association approval required; Association fee is required; Community amenities: clubhouse, dog park, park, pool; golf carts allowed; Pets allowed (cats and dogs) with limits; Senior community

Exterior

• Parking: Carport with 2 spaces
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected; Cable available; Phone available
• Home design: Manufactured single-wide home; One level; Faces west; Homestead property
• Construction: Vinyl siding; Membrane roof; Crawlspace foundation; Built on or categorized as a manufactured home
• Exterior features: Shade shutters; Asphalt road access

Interior

• Kitchen: Range; Microwave; Refrigerator; Stone countertops
• Bedrooms: 2 bedrooms
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning; Humidity control
• Interior features: Ceiling fans; Stone countertops; Window treatments
• Laundry & utility: Inside laundry; Washer; Dryer; Electric water heater

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath manufactured listed at $115k.

Deal economics

• At list price, monthly cash flow is $694 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $115k).
• Recommended offer: $101k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.5% vs local median 3.6% in Bradenton — 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 81/100 on livability (#101 in FL, #1,528 nationally) — a professional / high-income tenant draw. Strengths: commute A+, cost of living A+, housing A+; Watch: employment D+, crime D, amenities F.
• Manatee (suburban): math 54% / reading 50% proficiency, ranked #26 of 73 in FL (top 36%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 182 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals leasing fast (median 4d on market — plan ~1-2 weeks tenant-placement turnaround); 7,472 units permitted in Manatee County in 2024 (1,782 in 5+ unit buildings).
• This rent runs 38% of the median local income ($64k/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 $794 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Manatee County population projected at +43% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $32k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 293 days — a 12% lower offer ($101k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 4y ago; this cycle's ask has dropped $10k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $94k; 22% 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; extreme-heat days projected 7→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $101,112 (12.0% below list)

Questions for the listing agent

1. It's been on market 293 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 1.76% ✓
• Cap rate: 13.54%
• Cash-on-cash: 25.89%
• DSCR: 2.15
• GRM: 4.7

CMA / ARV

• ARV (on-the-fly): $101,640
• Comps found: 6

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3102 Terra Siesta Blvd	0.18mi	2/1.5	768 (-0%)	3mo	$80,000	$104	86
3401 Glenda Ln	0.33mi	2/1.5	768 (-0%)	10mo	$80,000	$104	73
3100 Crystal Ln	0.19mi	2/1.0	855 (+11%)	6mo	$100,000	$117	68
3107 Darnea Ln	0.16mi	2/2.0	672 (-13%)	0mo	$89,000	$132	67
3402 Gloria Dr	0.32mi	2/2.0	864 (+12%)	3mo	$155,000	$179	58
7 Meadow Cir	0.69mi	2/2.0	864 (+12%)	8mo	$159,000	$184	37

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: 19.6%
• Equity multiple: 1.80×
• Total profit: $25,694
• Equity at exit: $17,132

10-year hold

• IRR: 27.9%
• Equity multiple: 3.48×
• Total profit: $79,705
• Equity at exit: $9,934

Cash invested: $32,172 (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 34222

• Home prices YoY: -26.9%
• Active inventory: 182
• Price-to-rent: 4.7×

Monthly cashflow live

• Estimated rent: $2,022 medium
• Mortgage (P&I): −$603
• Tax from tax record: −$42 /mo · $503/yr
• Insurance: −$48
• HOA: −$211
• Vacancy / Maint / Mgmt: −$425
• Net cashflow: $694

Break-even live

Break-even rent $1,143

Max offer price $114,900

Occupancy floor 61%

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: $28,725
• Closing costs: $3,447
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2711 80th Ave E Ellenton, FL	3.0	2.0	1000	$1,836	$1.84	3d	1	0.31mi
4212 Long Lake Way Ellenton, FL	2.0	2.0	1000	$1,900	$1.90	24d	1	0.67mi
2710 59th Dr E Ellenton, FL	1.0–3.0	1.0–2.0	1149	$2,234	$1.94	3d	37	1.17mi
5942 Factory Shops Blvd Ellenton, FL	1.0–3.0	1.0–2.0	953	$2,362	$2.48	2d	67	1.28mi

HOA detail

• Monthly dues: $211 · $2,532/yr
• Likely covers: gaspool

Listing history 22 events

1. 2026-06-18
   days on market $114,900 Active 293 DOM
2. 2026-06-15
   days on market $114,900 Active 292 DOM
3. 2026-06-13
   days on market $114,900 Active 290 DOM
4. 2026-06-13
   days on market $114,900 Active 289 DOM
5. 2026-06-10
   days on market $114,900 Active 287 DOM
6. 2026-06-09
   days on market $114,900 Active 286 DOM
7. 2026-06-08
   days on market $114,900 Active 285 DOM
8. 2026-06-08
   days on market $114,900 Active 284 DOM
9. 2026-06-03
   days on market $114,900 Active 280 DOM
10. 2026-06-02
    days on market $114,900 Active 279 DOM
11. 2026-06-01
    days on market $114,900 Active 278 DOM
12. 2026-05-31
    days on market $114,900 Active 277 DOM
13. 2026-05-15
    status Active
14. 2026-05-14
    status Pending
15. 2026-03-16
    price $114,900
16. 2025-09-23
    price $119,900
17. 2025-08-25
    listed $125,000 Active
18. 2022-04-27
    soldstatus $94,000
19. 2022-04-19
    soldstatus $94,000 Closed 1759-char remark

    Show marketing remark (1759 chars)

    Act fast and this exceptionally well-maintained mobile home in the highly sought after Terra Siesta MH co-op could be yours. Perfect for seasonal or year-round living at it's best. The air conditioner was new in 2021. You will notice pride of ownership immediately upon arriving. You will surly enjoy your meals in the generous, well laid out kitchen that has been nicely updated and is fully furnished with all you need to prepare meals. No need to carry your laundry out side and down steps as the washer and dryer are conveniently located just outside the bathroom. The ceilings in the kitchen and living room area are slightly vaulted for a feeling of airiness with a touch of wood accents to add to the charm. The large cabana room has many windows and even has ducted heat and air for year-round use. There is a hidabed for extra sleeping space if needed. The attached shed includes much needed items as well to help maintain the home which is located near the end of the street that allows for more privacy. Cook your meals out on the included gas grill and then ride around the park on the "new to you" golf cart. It has newer tires and batteries. All furnishings convey with the home so only personal items needed. Enjoy one of the 2 heated pools is you choose or get a book from of the 2 clubhouses and just relax. There are many planned activities to participate in if so inclined. Join in a pickleball or bocce ball game or enjoy a concert in the park. Shuffle board is also a popular activity. The location of this park near I75 allows for easy, quick access to shopping, beaches, restaurants and airports. The outlet mall is only 2 miles away for some great shopping locally. Agent/buyer should verify all information and room sizes.

20. 2022-03-29
    status Pending 1759-char remark

    Show marketing remark (1759 chars)

    Act fast and this exceptionally well-maintained mobile home in the highly sought after Terra Siesta MH co-op could be yours. Perfect for seasonal or year-round living at it's best. The air conditioner was new in 2021. You will notice pride of ownership immediately upon arriving. You will surly enjoy your meals in the generous, well laid out kitchen that has been nicely updated and is fully furnished with all you need to prepare meals. No need to carry your laundry out side and down steps as the washer and dryer are conveniently located just outside the bathroom. The ceilings in the kitchen and living room area are slightly vaulted for a feeling of airiness with a touch of wood accents to add to the charm. The large cabana room has many windows and even has ducted heat and air for year-round use. There is a hidabed for extra sleeping space if needed. The attached shed includes much needed items as well to help maintain the home which is located near the end of the street that allows for more privacy. Cook your meals out on the included gas grill and then ride around the park on the "new to you" golf cart. It has newer tires and batteries. All furnishings convey with the home so only personal items needed. Enjoy one of the 2 heated pools is you choose or get a book from of the 2 clubhouses and just relax. There are many planned activities to participate in if so inclined. Join in a pickleball or bocce ball game or enjoy a concert in the park. Shuffle board is also a popular activity. The location of this park near I75 allows for easy, quick access to shopping, beaches, restaurants and airports. The outlet mall is only 2 miles away for some great shopping locally. Agent/buyer should verify all information and room sizes.

21. 2022-03-23
    listed $94,500 Active 1759-char remark

    Show marketing remark (1759 chars)

    Act fast and this exceptionally well-maintained mobile home in the highly sought after Terra Siesta MH co-op could be yours. Perfect for seasonal or year-round living at it's best. The air conditioner was new in 2021. You will notice pride of ownership immediately upon arriving. You will surly enjoy your meals in the generous, well laid out kitchen that has been nicely updated and is fully furnished with all you need to prepare meals. No need to carry your laundry out side and down steps as the washer and dryer are conveniently located just outside the bathroom. The ceilings in the kitchen and living room area are slightly vaulted for a feeling of airiness with a touch of wood accents to add to the charm. The large cabana room has many windows and even has ducted heat and air for year-round use. There is a hidabed for extra sleeping space if needed. The attached shed includes much needed items as well to help maintain the home which is located near the end of the street that allows for more privacy. Cook your meals out on the included gas grill and then ride around the park on the "new to you" golf cart. It has newer tires and batteries. All furnishings convey with the home so only personal items needed. Enjoy one of the 2 heated pools is you choose or get a book from of the 2 clubhouses and just relax. There are many planned activities to participate in if so inclined. Join in a pickleball or bocce ball game or enjoy a concert in the park. Shuffle board is also a popular activity. The location of this park near I75 allows for easy, quick access to shopping, beaches, restaurants and airports. The outlet mall is only 2 miles away for some great shopping locally. Agent/buyer should verify all information and room sizes.

22. 1994-08-18
    soldstatus $19,000

ⓘ 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: $503 · $42/mo
• Projected year-2 tax: $954 · $79/mo
• Expected delta: +$451/yr (+$38/mo · 89.6%)

ⓘ 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 · 28 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $24,267
• − Mortgage interest: −$6,436
• − Property taxes: −$503
• − Insurance: −$574
• − Repairs & maintenance: −$1,941
• − Management: −$1,941
• − HOA: −$2,532
• − Depreciation: −$3,343
• Taxable income: $6,996
• Est. tax owed @ 24.0%: −$1,679
• After-tax cash flow: $6,652/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: Manatee
• NCES district ID: 1201230
• Math proficiency: 54% ▼ -6.00%
• Reading proficiency: 50% ▼ -2.00%
• Median HH income: $49,607
• Composite: 44.43/100
• National rank: #2806
• State rank: #26 of 73 in FL

Livability — Bradenton

• Score: 81/100
• State rank: #101
• US rank: #1528

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Manatee County · 416,364 people
• City population: 227,091
• Metro: North Port-Sarasota-Bradenton, FL
• Population (ZIP): 14,819
• Household income: $64,355
• Rent vs Own: 21.9% rent · 78.1% own
• Severe rent burden: 313.0

Population outlook (Manatee County) Hauer SSP2

• Today (2025): 447,342 people
• By 2030: 488,911 · +9.3%
• By 2040: 567,934 · +27.0%
• By 2050: 637,995 · +42.6%
• By 2075: 781,970 · +74.8%
• By 2100: 848,272 · +89.6%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (70%)
• Race & ethnicity: White 70% Hispanic / Latino 17% Two or more races 13% Black 7% Native American 2% Asian 1%
• Hispanic origin (detail): Mexican 8% Puerto Rican 2%
• Common ancestry: Romanian 3% Slovak 2% Lithuanian 2%
• Foreign-born: 8% · Canada, Jamaica, Vietnam
• Languages at home: 88% English-only · Spanish 10% Other Indo-European 1% Vietnamese 1%

Political lean MEDSL · Manatee

• 2024 margin: Strong R (+23.5) · D 37.9% · R 61.4%
• 2008→2024 swing: -16.5pp toward R · 2008: -7.0pp · 2024: -23.5pp
• All cycles: 2024: R+23.5 2020: R+16.1 2016: R+17.1 2012: R+12.5 2008: R+7.0

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -107.75%
• Current HPI: 293.2597
• Rent YoY: —
• Metro: North Port-Sarasota-Bradenton, 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

+504.7% since first listed

10 events — show timeline

• 2026-05-15 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-16 Price Changed $114,900 Stellar MLS as Distributed by MLS Grid
• 2025-09-23 Price Changed $119,900 Stellar MLS as Distributed by MLS Grid
• 2025-08-25 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2022-04-27 Sold (Public Records) $94,000 Public Records
• 2022-04-19 Sold (MLS) $94,000 Stellar MLS as Distributed by MLS Grid
• 2022-03-29 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-03-23 Listed $94,500 Stellar MLS as Distributed by MLS Grid
• 1994-08-18 Sold (Public Records) $19,000 Public Records

Property tax history

+0.3%/yr

Latest (2025): $503 · -0.8% YoY. Source: county tax records.