36349 Five Acre Ln, Zephyrhills, FL 33541

Here’s a concise analysis of the Zephyrhills property and a summary for the others:

36349 Five Acre Ln, Zephyrhills, FL 33541

• Property Type: Double Wide Mobile Home on owned land (0.22 acres). No HOA/lot rent.
• Built: 1989 (36 years old). 3 beds, 2 baths, 960 sqft.
• Value: Your stated $110,000 is likely understated. It was recently listed for $115,000-$119,000 and sold for $69,900 in 2020, suggesting significant equity.
• Refi Payment Estimate ($449/mo): This is very low and likely does not include property taxes or insurance, which are substantial additional monthly costs (2024 taxes were $1,358/yr, plus insurance for mobile homes).
• Market: Zephyrhills (33541) is a neutral-to-seller’s market, with overall home values slightly declining but mobile home prices vary.
• Refinance Considerations:
  • Crucial: Must be permanently affixed to a foundation and taxed as real property for most traditional loans.
  • Mobile home refinance rates are typically higher than stick-built homes (approx. 6.95%-7.1% APR for 30-year fixed).
  • Strong equity is a major advantage.
  • Action: Get a professional appraisal to confirm value. Understand all monthly costs (P&I, taxes, insurance). Shop lenders specializing in manufactured home loans.

For the other properties, concise summaries:

4616 Crescent St, Jacksonville, FL 32205

• Type: Single Family, 3 beds, 1 bath, 1,050 sqft. Built 1942.
• Value: $235,900 is consistent with market estimates. Significant equity likely exists given old last sale ($113k in 2005).
• Refi Payment Estimate ($1,594/mo): Plausible for current rates if including taxes/insurance.
• Market: Jacksonville (32205) is a Buyer’s Market, cooling with increasing days on market.
• Refi Action: Likely good equity for favorable terms. Get a professional appraisal and compare multiple lender offers.

601 E Burgess Rd, Pensacola, FL 32504

• Type: Condominium unit (likely 2-3 beds, 2-2.5 baths, ~1,000+ sqft). Your “0 baths” and “SingleFamily” are incorrect. Built 1985.
• Value: $235,000 aligns with renovated units in The Hamptons complex.
• Refi Payment Estimate ($1,157/mo): Likely only P&I. Does NOT include significant HOA fees (around $446-$579/month) plus taxes/insurance.
• Market: Pensacola is a Neutral/Balanced Market, with 2-bedroom home prices declining. Condos face “new regulations and rising insurance costs.”
• Refi Action: Verify unit specifics. Factor in substantial HOA fees. Condo association financials affect loan eligibility. Get appraisal and compare offers.

6305 Boat Race Rd, Panama City, FL 32404

• Type: Likely a Duplex (Attached Residential), not Single Family. 3 beds, 2 baths, 1,312 sqft. Built 1979.
• Value: Your stated $107,500 is significantly undervalued. Market estimates are closer to $188k-$211k, with recent sales at $128k-$137k. You likely have much more equity.
• Refi Payment Estimate ($854/mo): If based on the low value, it’s high; if based on higher market value, it’s more plausible. This estimate likely excludes taxes/insurance.
• Market: Panama City is a cooling Buyer’s Market.
• Refi Action: Confirm duplex status as this impacts financing. The large equity gain is a strong advantage. Get an appraisal and compare lenders, clarifying the property type.