34701 Rosebud Row · Zephyrhills, FL 33541

$69,900

2 bd · 2.0 ba · 672 sqft · Manufactured public records · 137 Days on market

Built 1973 5,035 sqft lot $80/mo HOA · 5% 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
• ARV discount +7.5/15.0
• Schools +4.3/10.0
• Livability +3.6/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks

PRICE REDUCED! You may think you won't have enough room because it's a Singlewide, but you have 2 additions, one on each side of the home. The kitchen has some updated cabinets and drawers with pull out shelves for easy access to the things you may not use every day. The add-on on the west side of the home is carpeted, three sides of windows, just a cozy room to relax in and wave to neighbors as they pass by. The Livingroom has wood look vinyl flooring. In the hallway is the 2nd bedroom (with built in dresser), 3 closets, the updated bathroom and another bedroom at the end of the hall. From the hallway you can step down to access the addition on the east side of the home with newer windows

Key facts

• Updated cabinets
• Florida room
• Pull out shelves

Tags

• UPDATED CABINETS
• PULL OUT SHELVES
• THREE SIDES OF WINDOWS
• WOOD LOOK VINYL FLOORING
• NEWER WINDOWS
• FLORIDA ROOM

Property features AI

Finance

• Other: Property type: Residential mobile home; Property subtype: Mobile Home - Single Wide; Zoning: RMH; Lot approx. 0.12 acres (paved road); Living area and building area noted in public records
• Financial info: Total monthly fees $80; total annual fees $960
• HOA & community: Has HOA with monthly fee of $80; Senior community; Pets allowed (size and number limits)

Exterior

• Parking: Carport (1 space)
• Utilities: Public water; Public sewer; Electricity connected; Cable available; Water connected; Other utilities
• Home design: Residential mobile home (single wide); One story; South-facing
• Construction: Metal siding; Roof over; Crawlspace foundation
• Exterior features: Exterior lighting; Outdoor storage

Interior

• Kitchen: Dishwasher; Microwave; Refrigerator; Eat-in kitchen
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Linoleum
• Bathrooms: 1 full bathroom
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Built-in features; Ceiling fans; Eat-in kitchen; Blinds on windows
• Laundry & utility: Washer; Dryer; Electric water heater; Laundry features: Other

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $70k.

Deal economics

• At list price, monthly cash flow is $610 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $70k).
• Recommended offer: $62k (12.0% below list) — sets the bar for market timing.
• Cap rate 16.8% vs local median 3.7% in Zephyrhills — 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 72/100 on livability (#330 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: schools C-, crime C-, amenities F.
• Pasco (suburban): math 50% / reading 52% proficiency, ranked #32 of 73 in FL (top 44%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: Rents soft (-2.5%/yr); 856 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 6,765 units permitted in Pasco County in 2024 (1,250 in 5+ unit buildings).
• This rent runs 33% of the median local income ($57k/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 $483 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
• Pasco County population projected at +29% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $20k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 137 days — a 12% lower offer ($62k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $28k; list at $70k implies a 151% 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; moderate wildfire risk; extreme-heat days projected 7→26/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $61,512 (12.0% below list)

Questions for the listing agent

1. It's been on market 137 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1973 — 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: 2.21% ✓
• Cap rate: 16.77%
• Cash-on-cash: 37.43%
• DSCR: 2.67
• GRM: 3.8

CMA / ARV

• ARV (on-the-fly): $405,888
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
34125 Chancey Rd	0.56mi	2/1.0	720 (+7%)	12mo	$435,000	$604	48
34251 Lodge Dr	0.61mi	1/1.0 (-1)	600 (-11%)	19mo	$109,000	$182	29

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 29.6%
• Equity multiple: 2.18×
• Total profit: $23,132
• Equity at exit: $10,422

10-year hold

• IRR: 35.0%
• Equity multiple: 3.72×
• Total profit: $53,139
• Equity at exit: $6,044

Cash invested: $19,572 (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 33541

• Home prices YoY: -15.2%
• Rents YoY: -2.5%
• Active inventory: 856
• Price-to-rent: 3.8×

Monthly cashflow live

• Estimated rent: $1,543 medium
• Mortgage (P&I): −$367
• Tax from tax record: −$133 /mo · $1,594/yr
• Insurance: −$29
• HOA: −$80
• Vacancy / Maint / Mgmt: −$324
• Net cashflow: $610

Break-even live

Break-even rent $770

Max offer price $69,900

Occupancy floor 55%

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: $17,475
• Closing costs: $2,097
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3030 Beaver Creek Dr Wesley Chapel, FL	2.0	1.0	700	$950	$1.36	15d	1	0.60mi

HOA detail

• Monthly dues: $80 · $960/yr

Listing history 17 events

1. 2026-06-18
   days on market $69,900 Active 137 DOM
2. 2026-06-17
   days on market $69,900 Active 136 DOM
3. 2026-06-16
   days on market $69,900 Active 135 DOM
4. 2026-06-15
   price $69,900 Active 134 DOM
5. 2026-06-15
   days on market $79,900 Active 134 DOM
6. 2026-06-13
   days on market $79,900 Active 132 DOM
7. 2026-06-09
   days on market $79,900 Active 128 DOM
8. 2026-06-08
   days on market $79,900 Active 127 DOM
9. 2026-06-07
   days on market $79,900 Active 126 DOM
10. 2026-06-04
    days on market $79,900 Active 123 DOM
11. 2026-06-03
    days on market $79,900 Active 122 DOM
12. 2026-06-02
    days on market $79,900 Active 121 DOM
13. 2026-06-01
    days on market $79,900 Active 120 DOM
14. 2026-05-31
    days on market $79,900 Active 119 DOM
15. 2026-02-01
    listed $79,900 Active
16. 1997-03-10
    soldstatus $27,800
17. 1997-03-10
    soldstatus $27,800

ⓘ 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: $1,594 · $133/mo
• Projected year-2 tax: $1,594 · $133/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 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥108°F today · 26 d/yr by 30 yrs out
• 💨 Wind 9/10 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: $18,517
• − Mortgage interest: −$3,915
• − Property taxes: −$1,594
• − Insurance: −$350
• − Repairs & maintenance: −$1,481
• − Management: −$1,481
• − HOA: −$960
• − Depreciation: −$2,033
• Taxable income: $6,701
• Est. tax owed @ 24.0%: −$1,608
• After-tax cash flow: $5,717/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: Pasco
• NCES district ID: 1201530
• Math proficiency: 50% ▼ -10.00%
• Reading proficiency: 52% ▼ -5.00%
• Median HH income: $45,039
• Composite: 43.14/100
• National rank: #3074
• State rank: #32 of 73 in FL

Livability — Zephyrhills

• Score: 72/100
• State rank: #330
• US rank: #5760

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Pasco County · 524,098 people
• City population: 48,266
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 24,654
• Household income: $56,579
• Rent vs Own: 14.0% rent · 86.0% own
• Severe rent burden: 393.0

Population outlook (Pasco County) Hauer SSP2

• Today (2025): 570,045 people
• By 2030: 605,844 · +6.3%
• By 2040: 674,806 · +18.4%
• By 2050: 736,022 · +29.1%
• By 2075: 862,900 · +51.4%
• By 2100: 906,364 · +59.0%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (72%)
• Race & ethnicity: White 72% Hispanic / Latino 15% Two or more races 8% Black 5% Asian 5%
• Hispanic origin (detail): Mexican 4% Puerto Rican 9%
• Common ancestry: Lithuanian 4% Romanian 3% Serbian 3%
• Foreign-born: 9% · Canada, Vietnam
• Languages at home: 85% English-only · Spanish 9% Tagalog/Filipino 1% Other Asian/Pacific 1%

Political lean MEDSL · Pasco

• 2024 margin: Strong R (+25.2) · D 36.9% · R 62.1% · Other 1.0%
• 2008→2024 swing: -21.6pp toward R · 2008: -3.6pp · 2024: -25.2pp
• All cycles: 2024: R+25.2 2020: R+20.1 2016: R+21.6 2012: R+6.7 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -55.21%
• Current HPI: 308.0619
• Rent YoY: ▼ -2.51%
• 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

+187.4% since first listed

3 events — show timeline

• 2026-02-01 Listed $79,900 Stellar MLS as Distributed by MLS Grid
• 1997-03-10 Sold (Public Records) $27,800 Public Records
• 1997-03-10 Sold (Public Records) $27,800 Public Records

Property tax history

+6.3%/yr

Latest (2025): $1,594 · +7.7% YoY. Source: county tax records.