2 beds 2 baths 988 sqft

Affordable 55+ Manufactured Home in Clearwater, Florida Listed for $4,900

Finding an affordable home in Florida can be difficult, especially for buyers looking for a property in the Clearwater area. A manufactured home currently listed for $4,900 offers a different type of opportunity: an inexpensive two-bedroom, two-bath residence located inside a 55+ community with recreational amenities, a swimming pool, clubhouse, fitness center, shuffleboard court, and other shared facilities.

Located in Shady Lane Oaks in Clearwater, Florida, the 1984 manufactured home contains approximately 988 square feet of living space. The property includes two bedrooms and two full bathrooms, along with a living room, kitchen, dining room, master bedroom, private guest room, and screened porch.

The home is not being presented as a fully updated or move-in-ready property. According to the listing, it needs some new subflooring and new flooring throughout. It also does not currently have an air-conditioning unit, although the existing ductwork remains in place. The listing indicates that a new central air-conditioning system could be installed or that window air-conditioning units could be considered.

At the same time, the listing states that there are no roof leaks and that the rest of the home is in good condition. The property also includes off-street parking, a carport, a storage shed, washer and dryer hookups, and a screened porch.

One of the most important financial details is that the home sits on leased land. The lot rent is listed at $975 per month and includes water, sewer, trash, and landscaping. Buyers should therefore evaluate both the low purchase price and the ongoing monthly land-lease expense before deciding whether the property fits their budget.

A $4,900 Florida Home With a Very Different Ownership Structure

The most eye-catching feature of this listing is undoubtedly the $4,900 asking price.

That price is unusually low compared with the cost of conventional real estate in many parts of Florida. However, the low purchase price should be understood in context.

This is a manufactured home located on leased land rather than a traditional single-family property where the buyer owns both the home and the underlying parcel.

That distinction is extremely important.

The buyer would be purchasing the manufactured home while paying monthly lot rent to the community. The current listed lot rent is $975 per month, and the listing states that this amount includes water, sewer, trash, and landscaping.

For someone considering the property, the monthly lot rent may be a much more significant financial factor than the initial purchase price.

Instead of looking only at the $4,900 acquisition cost, prospective buyers should calculate the total expected cost of ownership, including lot rent, insurance, utilities, maintenance, repairs, community charges if applicable, and future improvements.

This type of ownership structure can nevertheless be attractive to buyers who prefer a lower upfront purchase price and access to a community lifestyle without purchasing a large parcel of land.

Located in Shady Lane Oaks

The home is located in Shady Lane Oaks, a 55+ community in Clearwater.

The community setting is an important part of the property’s appeal because residents have access to a variety of shared amenities.

The listing describes the community as a five-star 55+ community and lists numerous recreational and lifestyle features.

These include a swimming pool, shuffleboard court, horseshoe facilities, fitness center, laundry facilities, library, billiard room, clubhouse, recreational facilities, sidewalks, and off-street parking.

Pets are also allowed according to the listing.

For buyers who enjoy organized community environments, these amenities can provide opportunities for recreation and social activities without requiring the homeowner to maintain all of these facilities independently.

A community pool, fitness center, clubhouse, library, and recreational rooms can also make a smaller manufactured home feel like part of a broader residential lifestyle.

However, prospective residents should verify current community rules, age requirements, pet policies, guest policies, amenity access, lot-rent terms, and any additional fees directly with the community before purchasing.

Designed for the 55+ Lifestyle

The property is specifically located within a 55+ senior community.

That means the intended resident demographic is an important part of the purchase decision.

For older adults looking for a Florida residence, manufactured-home communities can offer an alternative to conventional suburban housing. Residents may benefit from shared amenities, sidewalks, community gathering areas, recreational activities, and a neighborhood environment built around a mature-adult lifestyle.

The presence of a clubhouse and recreation room may provide opportunities for community events and social interaction. A library can offer a quiet space for reading, while the billiard room, shuffleboard court, horseshoes, fitness center, and swimming pool provide several options for leisure and exercise.

The property also includes a screened porch, which can provide additional outdoor living space.

Before purchasing, buyers should confirm the community’s current eligibility rules and whether all intended occupants satisfy the age requirements.

Two Bedrooms and Two Full Bathrooms

The home provides 988 square feet of living space with two bedrooms and two full bathrooms.

For a manufactured home of this size, a two-bedroom, two-bath layout can provide a practical arrangement for residents who want separate sleeping spaces and more than one bathroom.

The listing identifies several room types, including a living room, kitchen, dining room, master bedroom, private guest room, en suite space, and first-floor bathrooms.

The master bedroom can provide a private sleeping area, while the second bedroom could accommodate a guest, family member, office, hobby room, or other use depending on the owner’s needs.

Having two full bathrooms can also be useful for guests and everyday living.

The 988-square-foot size may appeal to buyers who prefer a manageable residence rather than a large house requiring extensive maintenance.

A smaller home can potentially mean less space to clean, maintain, furnish, and repair, although the condition of this particular property should be carefully evaluated.

The Home Needs Flooring and Subfloor Repairs

One of the most important considerations is the condition of the flooring.

The listing states that the home needs some new subflooring and new flooring throughout.

Subflooring is an important component because it sits beneath the finished floor and helps provide a stable walking surface. When subflooring needs replacement, buyers should investigate why the repairs are necessary.

Possible causes can include age, moisture exposure, previous leaks, plumbing issues, or general deterioration. The listing states that there are no leaks in the roof, but buyers should still inspect the flooring and subfloor areas carefully.

A professional inspection can help determine the extent of the work required.

Once the subfloor is repaired, the finished flooring can be replaced with materials selected according to the buyer’s preferences and budget.

The listing indicates laminate flooring, and a renovation could potentially provide an opportunity to refresh the interior with new flooring throughout.

The final cost will depend on the amount of subflooring requiring replacement, the size of affected areas, labor costs, and the type of new flooring selected.

No Central AC Unit, but Ductwork Remains

Another major consideration is the lack of an existing air-conditioning unit.

Florida’s warm climate makes cooling an important part of residential comfort, so prospective buyers should pay close attention to this detail.

The listing states that there is no AC unit currently installed, but the ductwork remains.

This could potentially simplify the installation of a new central air-conditioning system compared with a home that has no existing ductwork. However, buyers should obtain professional estimates rather than assuming that the existing ducts are suitable for immediate reuse.

The listing also indicates that window AC units could be used as an alternative.

For a buyer working with a limited renovation budget, window units may provide a lower initial cost, although they can differ from central air in efficiency, appearance, noise, and overall cooling distribution.

A professional HVAC contractor can evaluate the existing ductwork and determine what equipment would be appropriate.

Because the home is in Florida, cooling costs and equipment condition should be included in the overall financial analysis.

The Roof Is Reported to Have No Leaks

The listing specifically states that there are no leaks in the roof.

That is an important positive detail for a buyer evaluating a manufactured home that requires interior improvements.

The home has a metal roof, according to the property facts.

A roof inspection is still recommended, especially because water intrusion can cause hidden damage to subflooring, walls, ceilings, insulation, and other parts of a manufactured home.

The fact that the seller reports no leaks should not replace an independent inspection.

A buyer should look for signs of water intrusion, staining, soft areas, mold or mildew, damaged materials, and other evidence of moisture problems.

The roof’s current condition and remaining useful life can also help determine whether it is likely to require significant expenses in the future.

Kitchen With a Galley Layout

The kitchen is described as a galley-style kitchen with laminate countertops.

A galley kitchen typically uses a compact layout with work areas positioned along one or both sides, allowing the available space to be used efficiently.

For a 988-square-foot manufactured home, this type of kitchen can make practical use of the available interior footprint.

The listing includes an oven and water heater among the listed appliances and features.

Buyers should verify the condition and functionality of all appliances before purchase.

A future owner may also choose to update countertops, cabinet hardware, flooring, lighting, or other kitchen elements as part of the renovation.

Because the property is priced at only $4,900, even relatively modest improvements could represent a substantial percentage of the purchase price.

That makes budgeting particularly important.

Screened Porch for Outdoor Living

The home includes a screened porch.

Screened outdoor spaces can be particularly useful in Florida because they allow residents to enjoy outdoor surroundings while providing separation from insects and direct exposure to the elements.

A screened porch could function as a sitting area, reading space, morning coffee area, or casual entertaining space.

For a smaller manufactured home, an outdoor living area can also provide additional usable space without expanding the enclosed interior.

The condition of the porch should be evaluated during an inspection, including screening, flooring, structural supports, doors, and connections to the home.

If the porch is in good condition, it may be one of the property’s most practical lifestyle features.

Parking and Storage

Parking is another useful feature of the property.

The listing includes driveway parking, uncovered parking spaces, and a carport.

Off-street parking can be valuable in a manufactured-home community, particularly for residents who own a vehicle and want convenient access near the home.

The property also has a storage shed.

The listing states that washer and dryer hookups are located in the storage shed. This arrangement should be inspected carefully to determine the condition of the hookups, electrical service, plumbing connections, ventilation, and overall suitability for laundry equipment.

The combination of carport parking and an additional storage structure gives the property useful functional space beyond the 988-square-foot interior.

Community Amenities

One of the strongest aspects of the property is the collection of amenities available within Shady Lane Oaks.

The listing identifies:

• Swimming pool
• Shuffleboard court
• Horseshoe facilities
• Fitness center
• Laundry facilities
• Library
• Billiard room
• Clubhouse
• Recreational facilities
• Sidewalks
• Off-street parking
• Pet-friendly policies

These features can contribute significantly to the lifestyle associated with the community.

A homeowner does not need to maintain a private swimming pool or build a personal recreation room because shared amenities are already available.

The clubhouse can potentially serve as a social gathering location, while recreational spaces may provide opportunities for residents to meet neighbors and participate in activities.

The fitness center and swimming pool can also offer alternatives for staying active.

Amenities can vary in availability and operating schedules, so buyers should verify current conditions directly with community management.

The Importance of the $975 Monthly Lot Rent

The $975 monthly lot rent deserves careful consideration.

At $975 per month, the annual lot rent would be approximately $11,700 before considering any future changes.

The listing states that water, sewer, trash, and landscaping are included.

This can simplify some household expenses because several services are bundled into the monthly land-lease payment.

However, the lot rent remains a substantial recurring expense compared with the $4,900 purchase price of the home.

This is why buyers should evaluate the property based on both upfront cost and long-term monthly expenses.

They should also determine whether lot rent can increase, how increases are calculated, what community fees may apply, whether there are transfer fees, and what happens if the property is sold.

Understanding the lease agreement is essential.

Manufactured Home on Leased Land

The property facts confirm that the home is on leased land.

This means the buyer does not acquire the underlying land as part of the home purchase.

For some buyers, this structure may be appealing because it reduces the upfront capital required to acquire a residence. For others, owning the land may be an important priority.

The distinction should be clearly understood before purchase.

Prospective buyers should review the land lease carefully, including its duration, renewal provisions, rent increases, community rules, resale procedures, fees, maintenance responsibilities, and requirements for transferring ownership.

They should also determine whether financing is available for the home under the community’s lease structure and the home’s age.

Potential Renovation Strategy

A practical renovation plan could begin with the home’s most important functional systems.

First, buyers may want to evaluate the subflooring and determine whether any underlying moisture or structural issue caused the deterioration.

Next, the flooring throughout the home could be replaced after the subfloor has been addressed.

The air-conditioning system should also be evaluated because the home currently lacks an AC unit.

After the major functional issues are addressed, a buyer could consider cosmetic updates such as paint, lighting, fixtures, kitchen improvements, bathroom updates, and porch improvements.

Because the property is already priced at $4,900, buyers should avoid assuming that every improvement will produce a dollar-for-dollar increase in value.

The best approach is to establish a realistic renovation budget before committing to the purchase.

Who Might Consider This Property?

This property could potentially appeal to several types of buyers, subject to community eligibility and financial circumstances.

A buyer looking for an affordable Florida residence may appreciate the low upfront purchase price.

Someone interested in a renovation project may see the flooring and HVAC needs as opportunities to customize the home.

A buyer who values community amenities may find the pool, clubhouse, fitness center, library, and recreational facilities attractive.

A seasonal resident could potentially consider the home as a Florida base, provided the community’s rules and lease terms accommodate the intended use.

The property could also appeal to someone who prefers a smaller home with shared amenities rather than a larger conventional residence.

However, the $975 monthly lot rent means that the property should be evaluated as a long-term housing expense rather than simply as a $4,900 purchase.

Due Diligence Before Buying

Before purchasing this manufactured home, prospective buyers should carefully review several areas.

The most important considerations include:

• Current condition of the subfloor
• Cause of any flooring deterioration
• Roof condition
• Existing ductwork
• Cost of installing central AC
• Electrical system
• Plumbing
• Water heater
• Appliance condition
• Washer and dryer hookups
• Carport and driveway condition
• Storage shed condition
• Screened porch condition
• Manufactured-home title and ownership documentation
• Community rules
• 55+ eligibility requirements
• Pet restrictions
• Current lot-rent agreement
• Future lot-rent increases
• Included utilities and services
• Transfer fees
• Insurance requirements
• Resale restrictions
• Community amenity rules
• Any additional monthly or annual charges

An inspection by professionals familiar with manufactured homes can be especially valuable.

Why the Listing Price Requires Careful Analysis

At $4,900, the asking price is extremely low compared with the cost of many conventional Florida homes.

The price has also been reduced by $4,000, according to the listing.

However, the low purchase price should not be interpreted as the total cost of obtaining and maintaining the property.

The $975 monthly lot rent is the central financial consideration.

Over a year, that lot rent represents approximately $11,700. The buyer would also need to account for utilities not included in the lease, insurance, repairs, HVAC installation, flooring, subfloor repairs, and other ownership expenses.

For this reason, the property may make more sense for a buyer who is comfortable with the community’s lease structure and wants a low-cost entry into a 55+ manufactured-home community.

Clearwater, Florida Setting

Clearwater is known for its Florida lifestyle, warm climate, and proximity to the Gulf Coast.

For buyers considering a manufactured home in the area, location can be an important factor.

The appeal of Florida living often includes outdoor recreation, warm weather, beaches, restaurants, shopping, healthcare services, and a variety of leisure opportunities.

A community such as Shady Lane Oaks can provide a residential setting while offering shared amenities designed for older adults.

Buyers should independently evaluate the exact travel times to the destinations that matter most to them, including healthcare providers, shopping centers, grocery stores, restaurants, beaches, airports, and family members.

Final Thoughts

This $4,900 manufactured home in Clearwater, Florida, presents a highly unusual combination of low upfront purchase price and access to a 55+ community with extensive amenities.

The 1984 home contains approximately 988 square feet, two bedrooms, and two full bathrooms. It includes a living room, galley kitchen, dining area, master bedroom, guest room, screened porch, carport, driveway, and storage shed.

The property does require work. New subflooring and flooring are needed, and there is currently no AC unit, although ductwork remains. The listing reports that the roof has no leaks and that the remainder of the home is in good condition.

The community provides a swimming pool, shuffleboard court, horseshoes, fitness center, library, billiard room, clubhouse, laundry facilities, recreational areas, sidewalks, off-street parking, and allows pets.

Perhaps the most important detail for buyers is that the home is located on leased land. The current lot rent is $975 per month and includes water, sewer, trash, and landscaping.

That means the property should be evaluated based on its complete financial structure rather than the $4,900 purchase price alone.

For someone seeking an affordable 55+ Florida lifestyle and willing to take on a manageable renovation project, this manufactured home may offer an interesting starting point. The combination of a low acquisition price, two-bedroom layout, two full bathrooms, community amenities, parking, storage, and a screened porch gives the property several practical advantages.

At the same time, buyers should carefully review the lease, inspect the home, investigate the flooring and subfloor issues, obtain an HVAC estimate, verify community rules, and calculate the long-term cost of lot rent and ownership.

The opportunity is ultimately about more than the number shown on the listing. It is about understanding the relationship between the home’s purchase price, the condition of the property, the monthly land lease, the available amenities, and the buyer’s intended lifestyle.

With appropriate due diligence and a realistic renovation budget, this Clearwater manufactured home could provide an entry point into a Florida 55+ community at a fraction of the upfront cost associated with many conventional homes.

 

 

Listed on Zillow.