14418 Diablo Dr · Brookridge, FL 34613

$153,400

2 bd · 2.0 ba · 1,219 sqft · Manufactured public records · 242 Days on market

Built 1982 4,356 sqft lot Est $174k · 12% under

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Why this score? — see what drove the C+ 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 +23.9/30.0
• ARV discount +12.9/15.0
• DSCR +7.7/10.0
• 1% rule +5.5/10.0
• Schools +4.2/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Cute Home in the heart of Brookridge . This home is unique and contains a fireplace and deck that runs the length of the back of the home. Great Tree lined property . Enjoy all the amenities that Brookridge has to offer.

Key facts

• 4,356 sq ft lot
• Built 1982
• Listed 242 days

Property features AI

Exterior

• Home design: Single-family house; Living area approximately 1,219
• Exterior features: Lot approximately 4,356 sq ft

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $153k.

Deal economics

• At list price, monthly cash flow is $298 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $153k).
• Recommended offer: $135k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.6% vs local median 6.3% in Brookridge — 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 70/100 on livability (#421 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, crime B+; Watch: employment C-, health & safety C-, schools F.
• Hernando (suburban): math 50% / reading 50% proficiency, ranked #38 of 73 in FL (top 52%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Market conditions: 691 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 2,505 units permitted in Hernando County in 2024 (318 in 5+ unit buildings).
• This rent runs 33% of the median local income ($59k/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 $5k of value loss. Plan a longer hold.
• Hernando County population projected at +11% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 242 days — a 12% lower offer ($135k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 25y 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 $130k; 18% 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; moderate wildfire risk; extreme-heat days projected 8→28/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $134,992 (12.0% below list)

Questions for the listing agent

1. It's been on market 242 days. Have you received any prior offers? Is the seller open to a 12% 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: 1.05% ✓
• Cap rate: 8.63%
• Cash-on-cash: 8.34%
• DSCR: 1.37
• GRM: 7.9

CMA / ARV

• ARV (on-the-fly): $174,317
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9259 Salvini Dr	0.06mi	2/2.0	1,152 (-6%)	1mo	$165,000	$143	87
15712 Brookridge Blvd	0.16mi	2/2.0	1,246 (+2%)	2mo	$200,000	$161	87
9847 Scepter Ave	0.29mi	2/2.0	1,248 (+2%)	0mo	$154,000	$123	82
9847 Scepter Ave	0.29mi	2/2.0	1,248 (+2%)	0mo	$154,000	$123	82
15682 Brookridge Blvd	0.25mi	2/2.0	1,104 (-9%)	0mo	$144,000	$130	72
14986 Rialto Ave	0.52mi	2/2.0	1,188 (-2%)	2mo	$185,000	$156	70
8223 Fortune Hunter Dr	0.60mi	2/2.0	1,176 (-4%)	1mo	$100,000	$85	66
9155 Fontaine Dr	0.49mi	2/2.0	1,296 (+6%)	2mo	$172,200	$133	65
14311 Action St	0.33mi	3/2.0 (+1)	1,369 (+12%)	1mo	$230,000	$168	58
14883 Rialto Ave	0.70mi	2/2.0	1,144 (-6%)	0mo	$148,000	$129	57
9128 Scepter Ave	0.74mi	3/2.0 (+1)	1,280 (+5%)	0mo	$183,000	$143	52
16229 Brookridge Blvd	0.69mi	3/2.0 (+1)	1,380 (+13%)	1mo	$215,000	$156	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: -3.7%
• Equity multiple: 0.86×
• Total profit: $-5,882
• Equity at exit: $22,872

10-year hold

• IRR: 6.0%
• Equity multiple: 1.45×
• Total profit: $19,237
• Equity at exit: $13,263

Cash invested: $42,952 (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 34613

• Home prices YoY: -17.2%
• Active inventory: 691
• Price-to-rent: 7.9×

Monthly cashflow live

• Estimated rent: $1,613 high
• Mortgage (P&I): −$804
• Tax from tax record: −$108 /mo · $1,295/yr
• Insurance: −$64
• HOA: −$0
• Vacancy / Maint / Mgmt: −$339
• Net cashflow: $298

Break-even live

Break-even rent $1,236

Max offer price $153,400

Occupancy floor 77%

Sensitivity live

Price	-10% $385	-5% $342	+0% $298	+5% $255	+10% $212
Rent	-10% $171	-5% $235	+0% $298	+5% $362	+10% $426
Rate	-1.0pp $376	-0.5pp $337	base $298	+0.5pp $259	+1.0pp $218

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: $38,350
• Closing costs: $4,602
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9919 Scepter Ave Brooksville, FL	3.0	2.0	1188	$1,250	$1.05	5d	1	0.39mi
15466 Brookridge Blvd Brooksville, FL	2.0	2.0	828	$1,225	$1.48	25d	1	0.62mi
8871 Southern Charm Cir Brooksville, FL	3.0	2.0	1482	$2,050	$1.38	25d	1	0.62mi
8917 Southern Charm Cir Brooksville, FL	3.0	2.0	1437	$1,695	$1.18	4d	1	0.65mi
8407 Weatherford Ave Brooksville, FL	2.0	2.0	1104	$1,500	$1.36	18d	1	0.87mi
14342 Starcross St Brooksville, FL	2.0	1.0	900	$1,025	$1.14	22d	1	1.31mi

Listing history 35 events

1. 2026-06-18
   days on market $153,400 Active 242 DOM
2. 2026-06-17
   days on market $153,400 Active 241 DOM
3. 2026-06-16
   days on market $153,400 Active 240 DOM
4. 2026-06-15
   days on market $153,400 Active 239 DOM
5. 2026-06-13
   days on market $153,400 Active 237 DOM
6. 2026-06-13
   days on market $153,400 Active 236 DOM
7. 2026-06-09
   days on market $153,400 Active 233 DOM
8. 2026-06-08
   days on market $153,400 Active 232 DOM
9. 2026-06-07
   days on market $153,400 Active 231 DOM
10. 2026-06-04
    days on market $153,400 Active 228 DOM
11. 2026-06-03
    days on market $153,400 Active 227 DOM
12. 2026-06-02
    days on market $153,400 Active 226 DOM
13. 2026-06-01
    days on market $153,400 Active 225 DOM
14. 2026-05-31
    days on market $153,400 Active 224 DOM
15. 2025-10-19
    listed $153,400 Active
16. 2022-04-06
    soldstatus $130,000
17. 2022-03-29
    soldstatus $130,000 Closed 220-char remark

    Show marketing remark (229 chars)

    Large 2 Bedroom in the center of Brookridge. This home is unique and contains a fireplace as well as a deck that runs the length o the back of the home. Great tree lined property , enjoy all the amenities Brookridge has to offer!

18. 2022-03-29
    soldstatus $130,000 Closed 229-char remark

    Show marketing remark (229 chars)

    Large 2 Bedroom in the center of Brookridge. This home is unique and contains a fireplace as well as a deck that runs the length o the back of the home. Great tree lined property , enjoy all the amenities Brookridge has to offer!

19. 2022-03-29
    soldstatus $130,000

    Show marketing remark (229 chars)

    Large 2 Bedroom in the center of Brookridge. This home is unique and contains a fireplace as well as a deck that runs the length o the back of the home. Great tree lined property , enjoy all the amenities Brookridge has to offer!

20. 2022-01-26
    status Pending 229-char remark

    Show marketing remark (220 chars)

    Cute Home in the heart of Brookridge . This home is unique and contains a fireplace and deck that runs the length of the back of the home. Great Tree lined property . Enjoy all the amenities that Brookridge has to offer.

21. 2022-01-26
    status Pending 220-char remark

    Show marketing remark (220 chars)

    Cute Home in the heart of Brookridge . This home is unique and contains a fireplace and deck that runs the length of the back of the home. Great Tree lined property . Enjoy all the amenities that Brookridge has to offer.

22. 2022-01-02
    price $130,000 229-char remark

    Show marketing remark (229 chars)

    Large 2 Bedroom in the center of Brookridge. This home is unique and contains a fireplace as well as a deck that runs the length o the back of the home. Great tree lined property , enjoy all the amenities Brookridge has to offer!

23. 2021-12-22
    price $130,000 220-char remark

    Show marketing remark (220 chars)

    Cute Home in the heart of Brookridge . This home is unique and contains a fireplace and deck that runs the length of the back of the home. Great Tree lined property . Enjoy all the amenities that Brookridge has to offer.

24. 2021-12-21
    status Active 220-char remark

    Show marketing remark (229 chars)

    Large 2 Bedroom in the center of Brookridge. This home is unique and contains a fireplace as well as a deck that runs the length o the back of the home. Great tree lined property , enjoy all the amenities Brookridge has to offer!

25. 2021-12-21
    status Active 229-char remark

    Show marketing remark (229 chars)

    Large 2 Bedroom in the center of Brookridge. This home is unique and contains a fireplace as well as a deck that runs the length o the back of the home. Great tree lined property , enjoy all the amenities Brookridge has to offer!

26. 2021-12-20
    status Pending 229-char remark

    Show marketing remark (220 chars)

    Cute Home in the heart of Brookridge . This home is unique and contains a fireplace and deck that runs the length of the back of the home. Great Tree lined property . Enjoy all the amenities that Brookridge has to offer.

27. 2021-12-20
    status Pending 220-char remark

    Show marketing remark (220 chars)

    Cute Home in the heart of Brookridge . This home is unique and contains a fireplace and deck that runs the length of the back of the home. Great Tree lined property . Enjoy all the amenities that Brookridge has to offer.

28. 2021-12-01
    listed $144,000 Active 229-char remark

    Show marketing remark (229 chars)

    Large 2 Bedroom in the center of Brookridge. This home is unique and contains a fireplace as well as a deck that runs the length o the back of the home. Great tree lined property , enjoy all the amenities Brookridge has to offer!

29. 2021-11-15
    price $144,000 220-char remark

    Show marketing remark (220 chars)

    Cute Home in the heart of Brookridge . This home is unique and contains a fireplace and deck that runs the length of the back of the home. Great Tree lined property . Enjoy all the amenities that Brookridge has to offer.

30. 2021-10-12
    price $155,000 220-char remark

    Show marketing remark (220 chars)

    Cute Home in the heart of Brookridge . This home is unique and contains a fireplace and deck that runs the length of the back of the home. Great Tree lined property . Enjoy all the amenities that Brookridge has to offer.

31. 2021-09-29
    listed $160,000 Active 220-char remark

    Show marketing remark (220 chars)

    Cute Home in the heart of Brookridge . This home is unique and contains a fireplace and deck that runs the length of the back of the home. Great Tree lined property . Enjoy all the amenities that Brookridge has to offer.

32. 2021-09-29
    listed $130,000

    Show marketing remark (220 chars)

    Cute Home in the heart of Brookridge . This home is unique and contains a fireplace and deck that runs the length of the back of the home. Great Tree lined property . Enjoy all the amenities that Brookridge has to offer.

33. 2017-08-08
    historical
34. 2002-01-16
    soldstatus $45,000
35. 2001-10-05
    listed $49,900

ⓘ 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: $1,295 · $108/mo
• Projected year-2 tax: $1,295 · $108/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 10/10 Extreme 8 d/yr ≥109°F today · 28 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 · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,362
• − Mortgage interest: −$8,593
• − Property taxes: −$1,295
• − Insurance: −$767
• − Repairs & maintenance: −$1,549
• − Management: −$1,549
• − Depreciation: −$4,463
• Taxable income: $1,146
• Est. tax owed @ 24.0%: −$275
• After-tax cash flow: $3,305/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: Hernando
• NCES district ID: 1200810
• Math proficiency: 50% ▼ -8.00%
• Reading proficiency: 50% ▼ -4.00%
• Median HH income: $41,985
• Composite: 42.03/100
• National rank: #3329
• State rank: #38 of 73 in FL

Livability — Brookridge

• Score: 70/100
• State rank: #421
• US rank: #7529

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Brookridge, FL
• County: Hernando County · 169,677 people
• Metro: Tampa-St. Petersburg-Clearwater, FL
• Population (ZIP): 19,337
• Household income: $58,596
• Rent vs Own: 9.2% rent · 90.8% own
• Severe rent burden: 307.0

Population outlook (Hernando County) Hauer SSP2

• Today (2025): 189,218 people
• By 2030: 194,367 · +2.7%
• By 2040: 203,398 · +7.5%
• By 2050: 209,589 · +10.8%
• By 2075: 218,452 · +15.4%
• By 2100: 205,923 · +8.8%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (88%)
• Race & ethnicity: White 88% Hispanic / Latino 6% Two or more races 4% Black 2% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 2% Cuban 1%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Vietnam
• Languages at home: 92% English-only · Spanish 3% French/Haitian/Cajun 1% Russian/Polish/Slavic 1%

Political lean MEDSL · Hernando

• 2024 margin: Solid R (+37.0) · D 31.1% · R 68.2%
• 2008→2024 swing: -33.5pp toward R · 2008: -3.6pp · 2024: -37.0pp
• All cycles: 2024: R+37.0 2020: R+30.2 2016: R+29.0 2012: R+8.5 2008: R+3.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -57.51%
• Current HPI: 276.2229
• Rent YoY: —
• 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

+207.4% since first listed

21 events — show timeline

• 2025-10-19 Listed $153,400 ForSaleByOwner.com
• 2022-04-06 Sold (Public Records) $130,000 Public Records
• 2022-03-29 Sold (MLS) $130,000 St. Augustine and St. Johns County Board of REALTORS®
• 2022-03-29 Sold (MLS) $130,000 Stellar MLS as Distributed by MLS Grid
• 2022-03-29 Sold (MLS) $130,000 HCAR
• 2022-01-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-01-26 Pending — HCAR
• 2022-01-02 Price Changed $130,000 Stellar MLS as Distributed by MLS Grid
• 2021-12-22 Price Changed $130,000 HCAR
• 2021-12-21 Relisted — HCAR
• 2021-12-21 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-12-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-12-20 Pending — HCAR
• 2021-12-01 Listed $144,000 Stellar MLS as Distributed by MLS Grid
• 2021-11-15 Price Changed $144,000 HCAR
• 2021-10-12 Price Changed $155,000 HCAR
• 2021-09-29 Listed $130,000 St. Augustine and St. Johns County Board of REALTORS®
• 2021-09-29 Listed $160,000 HCAR
• 2017-08-08 Listing Removed — HCAR
• 2002-01-16 Sold (Public Records) $45,000 Public Records
• 2001-10-05 Listed $49,900 HCAR

Property tax history

+12.9%/yr

Latest (2025): $1,295 · -5.2% YoY. Source: county tax records.