4501 NW 14th Loop · Ocala, FL 34482

$279,900

2 bd · 2.0 ba · 1,548 sqft · SingleFamily public records · 99 Days on market

Built 2024 8,700 sqft lot $181/sqft · 5% below area Est $295k · 5% under $37/mo HOA · 2% of rent ↓ 3% since listing

---

Why this score? — see what drove the D- 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).

• ARV discount +9.8/15.0
• Cash flow +8.4/30.0
• Rent growth +5.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• 1% rule +2.3/10.0
• DSCR +2.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautiful 3/2 home built by Lennar in 2024. Top of the line finishes including Stainless steel appliances , Quartz counter tops in Kithchen with 42" Cabinets. Tiled Bathrooms. Tile in all living areas. Spacious open home concept. Close proximity to I-75. The house includes a covered lanai along with a 2 car garage. Must see.

Key facts

• Open home concept
• Covered lanai
• Tiled bathrooms

Tags

• STAINLESS STEEL APPLIANCES
• QUARTZ COUNTER TOPS
• TILED BATHROOMS
• TILE IN ALL LIVING AREAS
• COVERED LANAI
• OPEN HOME CONCEPT

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $280k.

Deal economics

• At list price, monthly cash flow is $-251 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $236k (15.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $206k (26.6% below list).
• Recommended offer: $206k (26.6% below list) — sets the bar for 1% rule.
• Cap rate 5.2% vs local median 4.1% in Ocala — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 69/100 on livability (#476 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• Marion (rural): math 42% / reading 43% proficiency, ranked #61 of 73 in FL (top 84%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Zoned schools: College Park Elementary School (math 46% / reading 37%, grade F, #1,437 of 2,144 statewide, top 68%, 840 students, 78% FRL); Liberty Middle School (math 40% / reading 41%, grade F, #360 of 571 statewide, top 64%, 1,365 students, 54% FRL); West Port High School (math 34% / reading 52%, grade F, #255 of 667 statewide, top 39%, 2,906 students, 52% FRL) — zoned schools at 61% FRL track the district average.
• Market conditions: Rents rising fast (+11.1%/yr); 670 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 37% of the median local income ($66k/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 $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.

Negotiation context

• It's been on market 99 days — a 9% lower offer ($255k) is reasonable based on typical stale-listing flexibility.

Recommended offer $205,557 (26.6% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 99 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. 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.
9. 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.
10. 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: 0.73% ✗
• Cap rate: 5.22%
• Cash-on-cash: -3.85%
• DSCR: 0.83
• GRM: 11.3

CMA / ARV

• ARV (median comp): $294,812
• List price: $279,900
• Delta: -5.06%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4493 NW 14th Loop	0.02mi	3/2.0 (+1)	1,755 (+13%)	8mo	$320,000	$182	65
2218 NW 50th Ave	0.66mi	2/2.0	1,544 (-0%)	6mo	$230,000	$149	63
1481 NW 48th Ter	0.49mi	3/2.0 (+1)	1,429 (-8%)	1mo	$240,000	$168	59
4762 NW 11th St	0.56mi	3/2.0 (+1)	1,544 (-0%)	13mo	$240,000	$155	57
1400 NW 48th Ter	0.50mi	3/2.0 (+1)	1,428 (-8%)	3mo	$298,140	$209	56
4684 NW 11th St	0.50mi	3/2.0 (+1)	1,697 (+10%)	2mo	$260,000	$153	54
4494 NW 14th Loop	0.04mi	3/2.5 (+1)	1,714 (+11%)	24mo	$290,000	$169	54
4813 NW 11th St	0.52mi	3/2.0 (+1)	1,484 (-4%)	14mo	$245,050	$165	52
1208 NW 48th Ter	0.57mi	3/2.0 (+1)	1,429 (-8%)	7mo	$260,000	$182	50
2251 NW 50th Ave	0.65mi	2/2.0	1,341 (-13%)	5mo	$249,900	$186	43
1142 NW 47th Ct	0.52mi	3/4.0 (+1)	1,428 (-8%)	12mo	$256,990	$180	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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -17.5%
• Equity multiple: 0.36×
• Total profit: $-50,494
• Equity at exit: $41,734

10-year hold

• IRR: -2.4%
• Equity multiple: 0.81×
• Total profit: $-15,146
• Equity at exit: $24,201

Cash invested: $78,372 (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 34482

• Rents YoY: 11.1%
• Active inventory: 670
• Price-to-rent: 11.3×

Monthly cashflow live

• Estimated rent: $2,056 high
• Mortgage (P&I): −$1,468
• Tax from tax record: −$254 /mo · $3,043/yr
• Insurance: −$117
• HOA: −$37
• Vacancy / Maint / Mgmt: −$432
• Net cashflow: $-251

Break-even live

Break-even rent $2,373

Max offer price $235,533

Occupancy floor —

Sensitivity live

Price	-10% $-93	-5% $-172	+0% $-251	+5% $-330	+10% $-410
Rent	-10% $-414	-5% $-332	+0% $-251	+5% $-170	+10% $-89
Rate	-1.0pp $-110	-0.5pp $-180	base $-251	+0.5pp $-324	+1.0pp $-397

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: $69,975
• Closing costs: $8,397
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4530 NW 14th Loop Ocala, FL	3.0	2.5	1966	$2,250	$1.14	15d	1	0.08mi
2028 NW 50th Ave Ocala, FL	2.0	2.0	1066	$1,595	$1.50	23d	1	0.61mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	23d	1	0.61mi
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	23d	1	0.62mi
1918 NW 50th Cir Ocala, FL	2.0	2.0	1061	$2,200	$2.07	23d	1	0.65mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	15d	1	0.94mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	23d	1	0.94mi
NW 40th Avenue Rd Ocala, FL	2.0	1.0	1050	$1,050	$1.00	15d	1	1.13mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$1,785	$1.53	23d	1	1.26mi
1527 NW 57th Ct Unit 1 Ocala, FL	3.0	2.0	1460	$1,550	$1.06	23d	1	1.26mi
1017 NW 57th Ct Unit 1019 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	23d	1	1.33mi
985 NW 57th Ct Unit 987 Ocala, FL	3.0	2.0	1162	$1,697	$1.46	23d	1	1.34mi
985 NW 57th Ct Unit 985 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	23d	1	1.34mi
933 NW 57th Ct Unit 935 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	23d	1	1.35mi
5811 NW 10th St Unit 5811 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	23d	1	1.38mi
3335 NW 52nd Avenue Rd Ocala, FL	2.0	2.5	1318	$2,500	$1.90	23d	1	1.44mi
5048 NW 35th St Ocala, FL	3.0	2.0	1552	$1,900	$1.22	15d	1	1.44mi
5333 NW 33rd Pl Ocala, FL	2.0	2.0	1368	$2,300	$1.68	15d	1	1.49mi

HOA detail

• Monthly dues: $37 · $444/yr

Listing history 19 events

1. 2026-06-22
   days on market $279,900 Active 99 DOM
2. 2026-06-18
   days on market $279,900 Active 96 DOM
3. 2026-06-17
   days on market $279,900 Active 95 DOM
4. 2026-06-16
   days on market $279,900 Active 94 DOM
5. 2026-06-15
   days on market $279,900 Active 93 DOM
6. 2026-06-14
   days on market $279,900 Active 91 DOM
7. 2026-06-13
   days on market $279,900 Active 90 DOM
8. 2026-06-10
   days on market $279,900 Active 88 DOM
9. 2026-06-09
   days on market $279,900 Active 87 DOM
10. 2026-06-08
    days on market $279,900 Active 86 DOM
11. 2026-06-07
    days on market $279,900 Active 85 DOM
12. 2026-06-03
    days on market $279,900 Active 81 DOM
13. 2026-06-03
    price $279,900 Active 80 DOM
14. 2026-06-02
    days on market $285,900 Active 80 DOM
15. 2026-06-01
    days on market $285,900 Active 79 DOM
16. 2026-05-31
    days on market $285,900 Active 78 DOM
17. 2026-05-30
    days on market $285,900 Active 77 DOM
18. 2026-03-26
    price $285,900 331-char remark

    Show marketing remark (331 chars)

    Beautiful 3/2 home built by Lennar in 2024. Top of the line finishes including Stainless steel appliances , Quartz counter tops in Kithchen with 42" Cabinets. Tiled Bathrooms. Tile in all living areas. Spacious open home concept. Close proximity to I-75. The house includes a covered lanai along with a 2 car garage. Must see.

19. 2026-03-14
    listed $295,900 Active 331-char remark

    Show marketing remark (331 chars)

    Beautiful 3/2 home built by Lennar in 2024. Top of the line finishes including Stainless steel appliances , Quartz counter tops in Kithchen with 42" Cabinets. Tiled Bathrooms. Tile in all living areas. Spacious open home concept. Close proximity to I-75. The house includes a covered lanai along with a 2 car garage. Must see.

ⓘ 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: $3,043 · $254/mo
• Projected year-2 tax: $3,043 · $254/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $24,667
• − Mortgage interest: −$15,679
• − Property taxes: −$3,043
• − Insurance: −$1,400
• − Repairs & maintenance: −$1,973
• − Management: −$1,973
• − HOA: −$444
• − Depreciation: −$8,143
• Taxable loss: −$7,988
• Est. tax savings @ 24.0%: +$1,917
• After-tax cash flow: $-1,097/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: Marion
• NCES district ID: 1201260
• Math proficiency: 42% ▼ -7.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $40,015
• Composite: 35.61/100
• National rank: #4890
• State rank: #61 of 73 in FL

Livability — Ocala

• Score: 69/100
• State rank: #476
• US rank: #8461

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ocala, FL
• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 22,807
• Household income: $65,901
• Rent vs Own: 16.7% rent · 83.3% own
• Severe rent burden: 282.0

Population outlook (Marion County) Hauer SSP2

• Today (2025): 365,905 people
• By 2030: 376,768 · +3.0%
• By 2040: 396,555 · +8.4%
• By 2050: 412,723 · +12.8%
• By 2075: 446,090 · +21.9%
• By 2100: 436,193 · +19.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 12%
• Hispanic origin (detail): Mexican 6% Puerto Rican 9% Cuban 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 10% · Canada
• Languages at home: 81% English-only · Spanish 16% Other Indo-European 1%

Political lean MEDSL · Marion

• 2024 margin: Solid R (+31.6) · D 33.8% · R 65.5%
• 2008→2024 swing: -20.0pp toward R · 2008: -11.6pp · 2024: -31.6pp
• All cycles: 2024: R+31.6 2020: R+25.9 2016: R+26.2 2012: R+16.2 2008: R+11.6

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -133.62%
• Current HPI: 194.3857
• Rent YoY: ▲ 11.12%
• Metro: Ocala, 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

-3.4% since first listed

2 events — show timeline

• 2026-03-26 Price Changed $285,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-14 Listed $295,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+290.1%/yr

Latest (2025): $3,043 · +290.1% YoY. Source: county tax records.