8140 N Andy Ln

Run June 7, 2026 · via boise-home-eval skill · rate 6.5% (Freddie 6.48% / Bankrate 6.53%, 6/7/2026)

Source: https://www.zillow.com/homedetails/8140-N-Andy-Ln-Boise-ID-83714/461509474_zpid/

⚠️ READ THIS FIRST — this is NOT a normal PITI comparison

This listing is a brand-new (2026) manufactured home in a manufactured-home park, and the standard “20% down, all-in PITI vs. the ceiling” frame does not apply — so the new $105k / $2,500 params change nothing here. This is a hard no on the product, not the budget. Lead with the structure, not the monthly:

1. The $620/mo “HOA” is almost certainly LOT RENT. The county record confirms N Andy Ln / NORTH HILLS is a manufactured-home park: every neighboring unit is a separate “M”-parcel (a manufactured home titled like a vehicle), e.g. 8155 (1998 CHAMPION), 8156 (1997 GUERDON), 8180 (1971 SAHARA), 8214 (2014 FLEETWOOD). The land underneath sits on a separate R-parcel the park owns. So $620/mo is rent you pay forever to occupy land you don’t own — it never builds equity and it can be raised.
2. You likely do NOT own the land — this is less-than-fee-simple. That breaks the core premise of the plan (buying a home that builds equity).
3. Manufactured homes typically DEPRECIATE, like a vehicle, not appreciate like real property. Your $135k buys a wasting asset on rented land.
4. It may not be conventionally financeable as a 30-yr fixed mortgage. Manufactured homes on leased land usually require chattel/personal-property loans at higher rates and shorter terms — not the standard mortgage this whole plan assumes.

County record — Ada County Assessor

• No standalone assessor record for 8140 N Andy Ln was found. A brand-new 2026 manufactured home may not yet have its own “M”-parcel on the roll, or the unit isn’t yet separately assessed.
• What the Assessor DOES show for N Andy Ln is a row of older manufactured-home “M”-parcels in NORTH HILLS (the park), plus one underlying real-property parcel (R7334190750, RANDALL ACRES SUB — the land). This is the signature of a manufactured-home park, not fee-simple lots.
• Therefore: no tax history, no assessed value, no owner-of-record could be pulled for 8140 itself. (See “could not get county record” note — the record doesn’t exist yet to pull.)

“Affordability” — does not map to the plan

If you ignored every structural problem and just looked at the cash: $135k is cheap, and even a small loan plus $620/mo lot rent could pencil well under $2,500/mo. But that number is a mirage — $620/mo of it is rent on land you’ll never own, the home depreciates, and you may not get a normal mortgage. A low monthly on a wasting, non-owned asset is not “affordable,” it’s a different product.

Flags (all structural, all disqualifying for this plan)

• Lot rent, not HOA ($620/mo forever, can rise; ~$7,440/yr).
• No land ownership → not fee simple → no real-estate equity.
• Depreciating asset → the opposite of the appreciation/equity thesis.
• Financing risk → likely chattel loan, not a conventional 30-yr fixed.
• No county record for the unit → can’t verify taxes/value the way every other candidate was verified.

Bottom line

This isn’t the same kind of thing as the other candidates, and it shouldn’t be compared on monthly payment. It’s a depreciating manufactured home on rented park land with a $620/mo lot rent, probably not financeable as a normal mortgage, and with no assessor record to even pull. For Eric’s actual goal — own a home that builds equity in Ada County on a ~$2,500 all-in budget — this is a hard no. Park-model living can make sense for some buyers, but it defeats the entire premise of this plan.