Different Types of Manufactured Home Communities in Florida

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Camelot East, a land-lease community in Sarasota.

When you begin your search for a manufactured home you might start coming across confusing terms. There are several different types of communities, each with their own sets of pros and cons. We are going to discuss the three most common types of manufactured home communities in Florida.

  • Land-Lease Community: When moving into a land lease community, it’s important to realize that you don’t own your land. After you purchase a home, you will pay a monthly land lease payment for the use of the land/lot on which the home is placed and the use of all the facilities and amenities in the community. In Florida, this is the most common type of 55+ housing with about 2,400 of these communities. The primary benefit to this type of ownership is you won’t have to invest additional money in purchasing the land. The average land price starts around $35,000 and goes as high as $75,000. Average monthly land lease payments range from $400 to $900. Typically most land lease communities are run by the land owners or by a professional management company.
  • Land-Owned Subdivision Community: When you purchase the land/lot in this type of community you will be purchasing the land with a specific legal description. The land price can range from $35,000 to $75,000. Monthly maintenance fees range from $100 to $300. Monthly dues are for the use of the facilities, amenities and common area. This option means you will not have to pay a larger monthly lot rent, but your initial costs will be much higher, as you will have to purchase the home and the land. Land-owned communities are a good option for people who have more money to invest. All lots in a Land Owned Subdivision will be owned by individual owners who form a Homeowners Association. The members of the Association elect a board of directors to manage common elements.
  • Resident-Owned or Co-op Community: In a resident-owned/Co-op community, the community is owned by a group of residents, normally 40 to 70% of the total home sites in the community. The residents that formed the Co-op become shareholders and pay a maintenance fee similar to, but generally less than the land-lease price mentioned above. Those Co-op shareholders form a corporation to own and operate the community. Each Co-op shareholder has one membership interest in the corporation. The corporation is managed democratically, with one share equaling one vote. Day-to-day operations in the community are overseen by a member-elected Board of Directors who frequently hires professional management. The non-shareholder lots remain as land lease and pay a monthly land lease payment as outlined in the first option above. There are approximately 700 of these communities in Florida.

 

If you like this material and want to learn more about manufactured home communities in Florida, we encourage you to visit our website to check out our free 55+ Moving Guide E-book.

Manufactured Homes Fare Irma Better Than Expected

Hurricane Irma, Manufactured Homes, Manufactured Home’s Safety, Manufactured Homes HUD, Manufactrued Homes Hurricane, Mobile Homes Hurricane Irma, Mobile Homes after Hurricane Irma
Post-Irma Tree Clean Up in Edgewater, FL.

Manufactured homes are considered among America’s most vulnerable housing, so it’s no surprise that owners were concerned for their assets during the storm.

There are 850,000 manufactured homes in Florida, more than any other state, and most fared well during the storm, sustaining only minor damages.

While many are surprised by this fact, manufactured home professionals are not. Following Hurricane Andrew in 1992, manufactured housing codes were updated to make homes safer during natural disasters.

For example, manufactured home regulations added over-roof anchors  post-Andrew. This update is expected to have saved many homes during the most recent hurricane to strike Florida. Previously, most homes were only secured by connecting the frame to a rod buried in the ground.

Today, HUD codes for manufactured homes in hurricane zones are equivalent to the current standards for regional and national site-built codes. Manufactured homes are constructed to withstand wind speeds of 150 miles per hour in Wind Zone 2 and 163 miles per hour in Wind Zone 3, based on standards from the 2010 International Building Code.

This means modern manufactured homes are constructed to hold up in a Category 5 hurricane. Additionally, federal regulations for manufactured homes require design and quality assurance professionals during construction. Each home must also have a label certifying it has been designed, constructed, tested and inspected to comply with federal standards, which site-built homes do not require.

With the improvements in both manufactured home safety, and how they are built, it’s no surprise that they fared better than expected during Hurricane Irma. Although the media frenzy expected all homes to be destroyed, manufactured homes fared similar to site-built homes.

Working to end the stigma towards manufactured homes is an important part of the industry. As we change people’s long-held beliefs on manufactured home quality, safety and design, we can start to revolutonalize the way people buy homes.

Builder Challenges Manufactured Home Stigmas

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Photo Courtesy of Clayton Homes.

It’s no secret America has an affordable housing crisis. With homeownership outside the reach of many Americans, they are often left paying exorbitant rent prices. To fight back against the crisis, and to challenge the stigmas associated with manufactured homes, one builder has launched its biggest marketing campaign to date.

Clayton homes, one of the largest home builders in the country, launched the Have it Made initiative nationwide on Sep. 2. The 60-second commercial aired during the University of Alabama and Florida State University football game, and represents the company’s mission to provide quality homes at affordable prices, says Kevin Clayton, CEO of Clayton Homes.

“With the cost of homes skyrocketing, we want people to know that buying a beautiful new home at an affordable price is still an attainable dream for Americans,” he says.

Partnering with the Boulder, Colorado ad agency, Made, Clayton homes hopes to position itself as a solution to the growing need for affordable housing. The U.S. Census Bureau reports the average cost of a new single family site-built home with land is approaching $380,000 while today’s manufactured home can be purchased for significantly less–about $70,100 not including land.

Have It Made challenges the stigma associated with homes built in factories and delivered in sections to their final locations. Clayton Built homes are constructed indoors to avoid water damage and weather delays while creating long-term value from the use of economies of scale. The homes are built to highly regulated building standards and offer many energy-efficient features, the company says.

Clayton Homes is among the builders who have patterned with Energy Star. Their homes  must meet guidelines for energy efficiency set by the U.S. Environmental Protection Agency. In fact, their homes are 20 to 30 percent more efficient than most standard homes. To achieve this, Clayton Homes uses:

  • Top-Grade Insulation
  • Extensive caulking and tight construction to eliminate unwanted drafts
  • High-Performance Windows and Doors
  • Use of UL and Energy Star approved materials including low-escape air ducts

According to the National Association of Home Builder’s latest survey of home buyer preferences, Energy Star appliances and windows, along with an overall Energy Star rating, were among the top-5 most wanted features. Other wanted features include a programmable thermostat, which is available as an upgrade in Clayton Homes.

New manufactured homes are comparable to site-built homes in not only quality, but also style. One of Clayton’s luxury homes comes in at over 2,200 square feet and features three bedrooms, plus two full baths. The Captain Jack includes features such as granite counters, a kitchen island, a breakfast bar, glass enclosed large showers, a fireplace and more. You won’t believe the styles and upgrades that are available for new manufactured homes.

It’s time to end the stigma and make affordable housing available to Americans again.

Learn more about Clayton and their homes: https://www.claytonhomes.com/

 

 

The Bipartisan Bill That Could Make Manufactured Home Financing Easier

Manufactured homes for sale, mobile homes for sale, buying manufactured homes, buying homes, home loans, manufactured home loans
New manufactured home for sale, Ocala, FL.

In today’s hot real estate market and struggling economy, purchasing a home is a daunting task. That’s why more buyers than ever before are turning towards manufactured housing as an affordable solution.

New construction manufactured homes are built to impress, with modern stylish features and energy efficient standards that rival that of comparable site-built homes.

That said, manufactured homes were traditionally difficult to finance. A bipartisan group of senators recently introduced a bill that would protect the ability of manufactured home buyers to buy, sell and refinance homes.

The Preserving Access to Manufactured Hosuing Act, seeks to address the 2014 Consumer Financial Protection Bureau’s guidelines to expand the range of loan products considered high-cost mortgages under the Home Ownership and Equity Protection Act.

In layman’s terms, the guidelines would label many small-balance manufactured home loans “high-cost”, which results in increased lender liabilities. That means, lenders are less likely to have loans available for those seeking to purchase manufactured housing.

The bill hopes to put an end to the one-size-fits-all regulations that don’t recognize the unique nature of manufactured housing loans, according to Pat Toomey (R-PA), a sponsor of the bill.

The bill’s sponsors hope it will help families have access to affordable housing, that might otherwise be prevented under current legislation. Luckily, new lenders like Fannie Mae, Freddie Mac and Wells Fargo are looking to provide manufactured housing loans.

In 2015,  Wells Fargo hired two experienced manufactured housing executives to help expand into the industry, Matt Krasinski and Lew Grace of GE Capiutal Real Estate. Krasinski worked as the associate director for North American lending, responsible for originating loans for manufactured homes and RVs. Grace was the head of manufactured home communities lending and investments.

This comes after Wells Fargo acquired a $9 billion portfolio of commercial real estate loans from GE Capital Real Estate, a portion of which is MHC-focused. The national bank is looking to serve customers in the growing manufactured housing industry.

“Expanding our balance sheet lending in this sector, combined with Wells Fargo’s existing product capabilities, provides a full-spectrum of solutions for customers in the manufactured home communities industry,” says Mark Myers, head of Commercial Real Estate at the bank.

It’s exciting to see positive opportunities in the manufactured housing industry. At Newby Management, we are excited to offer new 2017 homes in many of our communities. Making lending easier for residents will give more people the opportunity to purchase brand new homes.

Whether you’re purchasing a home that has been loved or one that’s new, Newby Management wants to help. We’re here to assist you on this exciting journey. We encourage you to visit our realty website www.NewbyRealty.com to see what we have available now.

Get personal help from our sales team at sales@NewbyRealty.com, and speak to our expert in the field. We can help you find the perfect home in one of our amazing communities.

Choosing Between a Land Leased or Land Owned Manufactured Home Community

Land Lease Community

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Camelot Lakes, a luxury 55+ manufactured home community in Sarasota, FL.

If you grew up in a small town, you’ll remember that feeling of community, that sense of living where everyone knew your name. What if you could recapture that feeling?

In manufactured home land-leased communities, that feeling is alive and well. There is often a sense of safety and security within these communities, where residents care about the well-being and health of their neighbors.

In land-lease communities, you will own your home, but rent the land on which the home sits. Depending on the community, these fees can range from $300-1,000.

In many communities, your monthly fee will cover lawn care, water treatment, and the use of community amenities. In resort-style communities, your fee may be slightly higher, but will often include access to luxury amenities.

For instance, in Rolling Greens, a 55+ luxury manufactured home community in Ocala, the amenities are state-of-the-art. In this community, the lot rent includes base rent, water/sewer, lawn maintenance and curbside trash service.

Residents also get to enjoy numerous amenities, from a new state-of-the-art clubhouse, to the 18-hole executive golf course. Like other land-lease communities, Rolling Greens hosts monthly events, which helps establish a vibrant and active sense of community.

When looking into land-lease communities, ask the manager about their guidelines to ensure they fit your lifestyle. These guidelines are in place to help maintain a pleasant environment for all residents, and to help ensure the protection of your investment.

You’ll find that the guidelines encourage residents to take pride in their homes and their community. It’s something you’ll see as you drive down the street, and something you can count on.

One great aspect of purchasing a home in a land-lease community is the low up-front costs. You won’t have property taxes assocaited with your home, nor will you have the up-front cost of purchasing land along with a home.

If you’re looking for affordability, great amenities, a well-maintained neighborhood and a sense of community, land-lease manufactured homes are a great option.

Land-Owned Communities 

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Lazy Days, a land-owned community in Fort Myers, Florida.

Land lease communities offer a lot of benefits, but the downside is that you don’t own the land on which your home sits. In land-owned manufactured home communities, residents own both their homes and the land.

When you purchase the land/lot in this type of community you will be purchasing the land with a specific legal description. The land price can range from $35,000 to $75,000. Monthly maintenance fees range from $100 to $300.

Monthly dues are for the use of the facilities, amenities and common area. This option means you will not have to pay a larger monthly lot rent, but your initial costs will be much higher, as you will have to purchase the home and the land.

Land-owned communities are a good option for people who have more money to invest. All lots in a Land Owned Subdivision will be owned by individual owners who form a Homeowners Association. The members of the Association elect a board of directors to manage common elements.

Land-owned communities still feature much of that same small town feel as land-lease communities. They will often host events and have resort-style amenities, just not as often as a land leased community.

Choosing a manufactured home community can be daunting. Whatever you choose, be assured that you’ll make wonderful friends and have a home that you can love for years to come.

Especially with new construction manufactured homes, you can expect all the same details and stylistic features you’d find in a comparable site-built home, with the added benefit of being energy efficient.

If you’d like help selecting a manufactured home community in Florida, our dedicated team of specialists would love to help. Contact us to learn more, or to see what homes we have available for purchase and to rent. Whether you’re looking for something permanent or seasonal, we’re here to help!

 

Want an Energy Efficient Home? Choose a Manufactured Home

green homes, energy star homes, energy efficient homes, energy efficient manufactured homes, energy efficient mobile homes, green mobile homesToday’s buyers are looking for something different than ever before. They want homes that are stylish, affordable and most importantly, energy efficient. Green homes are not only good for the environment, they are good for your pocketbook too.

Finding everything on your dream home wishlist might seem like an HGTV miracle, but manufactured homes are here to surprise and delight you. Many 2017 manufactured homes are built with modern, stylish interiors that include upgraded features like granite, stainless steel, laminate wood flooring and over-sized garden tubs.

These chic homes aren’t just easy on the eye, they are energy efficient too! We’re going to take a look at Skyline Homes, a craftsman manufactured home builder that partners with Energy Star to bring you the greenest homes available today.

green homes, energy star homes, energy efficient homes, energy efficient manufactured homes, energy efficient mobile homes, green mobile homesAs an Energy Star partner, Skyline’s homes must meet guidelines for energy efficiency set by the U.S. Environmental Protection Agency. In fact, their homes are 20 to 30 percent more efficient than most standard homes. To achieve this, Skyline uses:

  • Top-Grade Insulation
  • Extensive caulking and tight construction to eliminate unwanted drafts
  • High-Performance Windows and Doors
  • Use of UL and Energy Star approved materials including low-escape air ducts

According to the National Association of Home Builder’s latest survey of home buyer preferences, Energy Star appliances and windows, along with an overall Energy Star rating, were among the top-5 most wanted features. Other wanted features include a programmable thermostat, which is available as an upgrade in Skyline homes.

green homes, energy star homes, energy efficient homes, energy efficient manufactured homes, energy efficient mobile homes, green mobile homesOver the course of a year, a single family can expect to pay about $2,060 in energy bills, according to Energy Star. Green homes can cut that bill by upwards of $300 a year or more. If saving money isn’t enough, these homes are also more comfortable too. Certified Energy Star homes keep out excessive heat, cold, and noise, and ensure a consistent temperature between and across rooms.

 

Other manufactured home builders, like Clayton Homes, are also Energy Star certified. Like Skyline, they meet or exceed government standards for green homes. Both companies also use green building practices during construction, which means they produce less waste on average than comparable site-built homes.

At Newby Management, we are proud to bring you the latest and most energy-efficient manufactured homes on the market. Many of our communities now feature new 2017 manufactured homes for sale. The home showcased in this blog is located at Rolling Greens, a premier 55+ golf course community located in Ocala, Florida. green homes, energy star homes, energy efficient homes, energy efficient manufactured homes, energy efficient mobile homes, green mobile homes

This home is energy efficient, and beautiful too. Home buyers will love the chef’s kitchen, complete with granite counters, stainless steel appliances and gorgeous laminate flooring. The cathedral ceilings open up the home and let in Florida’s beautiful sunlight. With an open floor plan, you’re ready to entertain friendly neighbors whenever you please. Plus, it features a large screened-in porch where you can enjoy the sunshine state’s fabulous year-round weather. And during those warm summer months, you don’t have to worry about keeping your home nice and cool.

We have new construction manufactured like this and many more available in Newby Management communities across the state. We can also help you choose a home and floor plan that works best for you. Whatever new construction home you choose, you can be rest-assured knowing it will meet the highest energy efficiency building standards to date.  Let us help you go green!

Learn More about the Showcased Home: Rolling Green’s Energy Efficient Home

Sources: https://www.energystar.gov

 

Why Pickleball is Becoming America’s New Favorite Sport

Pickleball, seniors pickleball, pickleball in florida, 55+ community, active adult community Watch out, tennis because there’s a new sport in town. A combination  of tennis, badminton and table tennis, pickleball is one of the fastest growing sports in America. It’s a great way to get active for young and old alike.

The sport is played on a badminton-sized court with a modified tennis net. Players use a plastic ball with holes in it and they serve across the net, much like in tennis. The rules are simple and easy to learn, but it can develop into a fast-paced game for more experienced players.

In fact, it’s becoming so popular one business was able to go from an online store to a retail store in just three years. Pickle Pro started off selling pickleball paddles online, and was able to open up a store four years ago in Naples Florida. The owner says the company grows about 150% per year.

For two years, more than 1,300 athletes compete in the U.S. Open, a seven-day national pickleball tournament held at East Naples Commuity Park. That’s a 40% increase in participants from the first tournament held in 2016.

Although the sport is growing in popularity across the nation, Florida is becoming a hub for pickle-ball lovers everywhere. The U.S. Open is helping Naples become the ‘Pickleball Capital of the World’. While in town, local stores sell everything from paddles and balls to special shoes designed with pickleball in mind.

Players say the sport is addicting, and it’s being touted as the number one way for active adults to stay in shape. It’s great cardio, while being easy on joints. This combination is causing 55+ communities to start adding pickleball courts to their list of amenities.

At Newby Management, we are no exception. In fact, many of our communities now have dedicated pickleball courts, along with hosted games and even tournaments. With Florida’s year-round beautiful weather, there’s never a bad time to get outside and see why pickleball is America’s new favorite sport.

See Pickleball in action at one of our premier 55+ communities in Ocala, FL: Rolling Greens Pickleball 

Sources:

Pickleball Grows In Popularity As A Way To Get Moving

https://www.usapa.org/what-is-pickleball/

 

 

http://www.naplesnews.com/story/sports/2017/04/27/us-open-pickleball-popularity-means-big-business-sport-grows/100925432/

Manufactured Home Advocates Speak Out to Ohio Senate

Manufactured home fire safety, manufactured home news, manufactured homes ohio, manufactured homes fire, fire safety mobile homesAdvocates for manufactured home safety in Ohio are urging the state senate to reject efforts by Govenor Kasich’s administration to gut an independent oversight commission.

The Ohio Manufactured Homes Commission, which has a $1.2 million annual budget, conducts safety inspections and helps resolve resident complaints for mobile homes, trailers and the more permanent double-wide homes.

Kasich’s budget would merge that nine-member board with the Department of Commerce, which has over 800 employees, arguing it would streamline home inspections.

The Ohio House already said no.

“My concern is that it would be buried deep into a bureaucracy that is typically unresponsive,” says Tim Williams, executive director of the Ohio Manufactured Homes Association.

About 900,000 Ohio residents living in manufactured homes, and Williams says if Kasich’s proposal gets approved, those Ohioans would be left without a legitimate state advocate on safety issues.

Since the commission was established, Williams says they’ve had less than 10 home complaints over three years, in comparison to 500 complaints per year before.

Kasich notes concerns for manufactured home safety, including fire safety. However, these are antiquated myths about manufactured home safety that have been proven wrong through numerous studies.

Manufactured homes built after June 1976 adhere to the federal Housing and Urban Development (HUD) Manufactured Home Construction and Safety Standards (The HUD Code). The HUD Code regulates the design, construction and installation of manufactured homes.

The HUD Code has revolutionized safety in manufactured homes and should not be confused with the older “mobile homes” and trailers which were built without a federal construction fire standard prior to 1976.

A 2013 study by the National Fire Protection Association (NFPA) indicated the fire safety code for manufactured homes is more stringent than the code for all other homes built on site. NFPA indicated today’s manufactured homes have 38-44 percent fewer fires and lower civilian fire injuries than site-built homes per 100,000 people.

Sources:

http://radio.wosu.org/post/advocates-manufactured-homes-urge-ohio-senate-keep-oversight-commission

https://www.usnews.com/news/best-states/ohio/articles/2017-05-09/ohio-governor-wants-state-to-regulate-manufactured-homes

http://www.manufacturedhousing.org/firesafetynews/

 

Fannie-Freddie Look to Provide Manufactured Home Financing

Mobile homes, mobile home financing, mobile home loans, low income financing, manufactured home financing, Fannie Mae, Freddie Mac As more buyers turn to manufactured housing, more lenders are looking into offering financing for the homes. Fannie-Mae and Freddie-Mac released draft plans that show they may soon provide financing to buyers of manufactured homes.

The proposal was outline as part of plans to help affordable housing challenges in America. Mortgage firms see these programs as a way to help low-income buyers become home owners.

While many see this a progress in the affordable housing crisis, some are concerned about the risks involved with mobile home lending. The concerns include the homes sitting on leased land and their tendency to depreciate quickly.

Those fears, while valid, are no longer true for many manufactured home owners. This is especially true of those purchasing new manufactured homes. These homes are comparable in quality and pricing to similar site-built homes and offer similar value as well.

The U.S.-controlled companies need to get sign-off for the pilot programs from their regulator, the Federal Housing Finance Agency.

Learn more about this proposal and the affordable housing challenges. 

The 5 Dirty Little Secrets of Tiny Homes

Small houses, tiny homes, tiny home movement, tiny home problems, tiny homes for sale, tiny homes for sale FL, tiny homes for sale, mobile homes for sale, small mobile homes for sale, tiny mobile homes for sale, problems with tiny homes Let’s talk tiny houses. This trend is sweeping the nation, and while we’re all for saving money and going minimalist, tiny houses have a dirty little secret. Cute, compact and money-saving, these tiny trendsetters have more than a few issues that you should know before cleaning out your savings accounts.

1. THE CODE

Okay, so you just bought a tiny house. Awesome, right?! Not so fast, you can’t just plop it down anywhere. In order for your new tiny house to sit on piece of land (even if you own it), it must meet certain codes. Most tiny houses DO NOT meet those codes.

Small manufactured homes do! Coming in at less than 500 square feet, tiny manufactured homes are the perfect solution for your small living desires. These minuscule homes are built to code, so you can buy land or rent it and place it there without a problem.

2. THE COST

Here’s the thing, you’ll definitely save money in a tiny house in the long run. But to get a home with all the bells and whistles, you’re going to need up to $70,000, which is a sizable chunk of change for 150 square feet. Now if you’re a single person on the fly, this might work for you, but families and couples may need to reconsider.

Small manufactured homes start at just $25,000 and you get double the space of the average tiny house! You’ll still have all the modern bells and whistles you love at a comparable price. Plus you’ll have a home you know is safe.

Small houses, tiny homes, tiny home movement, tiny home problems, tiny homes for sale, tiny homes for sale FL, tiny homes for sale, mobile homes for sale, small mobile homes for sale, tiny mobile homes for sale, problems with tiny homes3. THE SAFETY 

We don’t know where you’re reading this (hopefully somewhere super fun), but we are coming at you from beautiful sunny Florida. Only here’s the thing: Florida isn’t always sunny. In fact, we have these pretty scary things called hurricanes. Tiny homes are not tied down in any way, which makes them pretty susceptible to the elements.

Many people believe manufactured homes are more susceptible to the elements than site-built homes, but the truth is that modern manufactured homes are just as safe as site-built homes. 

4. THE SPECS

Want a customized tiny home? You could build it yourself with some sweet YouTube tutorials, or you could have a tiny house architect design and build it for you. One is scary, the other is costly. Your best bet for securing a reasonably-priced tiny home is to purchase a used one. In that case, you’re still getting the hefty price tag, and whatever updates you’ll need to do too.

Small manufactured home builders, like Fleetwood allow you to customize your home with many modern options. You can choose from stylish options like wood floors and granite counters, and much more!

5. THE SPACE

With the average tiny home coming in at just 120 square feet, you don’t have much room for, well, anything. When you see pictures of a tiny house it might feel doable, but the truth is 120 square feet is the size of a small guest bedroom or a den. Now imagine cramming your entire home into that space. For many people, somewhere between 500-1,000 square feet is the perfect compromise when wanting to downsize. Most small manufactured home start at about that size and offer you affordability, safety, coding, and space.