6025 SW 128th Street Rd · Marion Oaks, FL 34473

$245,000

3 bd · 2.0 ba · 1,855 sqft · SingleFamily public records · 19 Days on market

Built 2006 10,019 sqft lot Est $315k · 22% under

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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).

• Cash flow +15.2/30.0
• ARV discount +15.0/15.0
• DSCR +4.6/10.0
• Schools +3.6/10.0
• 1% rule +3.4/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This 3 bedroom 2 bath home is ready for you to move in. Beautiful 22 inch tile cover the entire floor. Multiple TV mounts in several places for all of your netflix watching dreams to come true. Speakers set up in the garage for an ultimate man cave. Fenced back yard, and quiet neighborhood. Florida protected preserve is your backyard with access to trails right behind you. Rental income opportunity! Don't walk away from this AMAZING deal! FULL DISCLOSURE: Home has had a FULLY Re-mediated foundation in 2011 for sinkhole activity in neighbors back yard and has had no activity since. Home IS currently INSURED. ALL Documents on file and ready to present. Don't be drained by this sinkhole! Call us today to tell you why you should buy this house and set up a showing!

Key facts

• No rear neighbors
• New roof
• 0.23 acre lot

Tags

• NO REAR NEIGHBORS
• TILE FLOORING THROUGHOUT
• NEW ROOF
• CONVENIENT ACCESS TO I-75
• SHOPPING AND DINING NEARBY

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $245k.

Deal economics

• At list price, monthly cash flow is $83 ($998/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $205k (16.1% below list).
• Recommended offer: $205k (16.1% below list) — sets the bar for 1% rule.
• Cap rate 6.7% vs local median 4.8% in Marion Oaks — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads: area grade D — affects rentability + tenant quality, not the cash-flow math above.
• 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: Marion Oaks Elementary School (math 38% / reading 39%, grade F, #1,575 of 2,144 statewide, top 74%, 939 students, 65% FRL); Horizon Academy At Marion Oaks (math 37% / reading 36%, grade F, #405 of 571 statewide, top 72%, 1,067 students, 68% 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 62% FRL track the district average.
• Market conditions: Rents soft (-0.7%/yr); 1376 active listings in the ZIP; 19 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 34% of the median local income ($72k/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 $7k 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 19 days — a 2% lower offer ($241k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 9y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $156k; list at $245k implies a 57% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $205,448 (16.1% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
3. 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.
4. 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.
5. 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: 0.84% ✗
• Cap rate: 6.70%
• Cash-on-cash: 1.45%
• DSCR: 1.06
• GRM: 9.9

CMA / ARV

• ARV (on-the-fly): $315,350
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6025 SW 128th Street Rd	0.00mi	3/2.0	1,855 (0%)	1mo	$240,000	$129	99
6560 SW 129th St	0.56mi	3/2.0	1,910 (+3%)	3mo	$265,000	$139	66
5900 SW 129th Place RD Rd	0.25mi	4/2.0 (+1)	1,765 (-5%)	23mo	$299,900	$170	56
6617 SW 129 Loop	0.65mi	3/2.0	1,936 (+4%)	9mo	$294,900	$152	55
6603 SW 129th St	0.63mi	4/2.0 (+1)	1,774 (-4%)	4mo	$280,000	$158	55
6232 SW 134th Loop	0.75mi	4/3.0 (+1)	1,866 (+1%)	2mo	$330,800	$177	54
5447 SW 129th Pl	0.56mi	4/2.0 (+1)	1,683 (-9%)	2mo	$269,000	$160	52
5598 SW 128th Pl	0.38mi	4/2.0 (+1)	1,765 (-5%)	23mo	$305,000	$173	50
5319 SW 128th Pl	0.62mi	4/2.0 (+1)	2,067 (+11%)	5mo	$335,000	$162	42
155 Marion Oaks Pass	0.41mi	4/3.0 (+1)	2,096 (+13%)	10mo	$364,000	$174	42
13464 SW 60th Avenue Rd	0.69mi	4/2.0 (+1)	1,696 (-9%)	12mo	$295,000	$174	38
122 Marion Oaks Pass	0.34mi	4/2.0 (+1)	1,580 (-15%)	24mo	$285,900	$181	35

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -17.1%
• Equity multiple: 0.41×
• Total profit: $-40,489
• Equity at exit: $36,530

10-year hold

• IRR: -15.3%
• Equity multiple: 0.24×
• Total profit: $-51,962
• Equity at exit: $21,183

Cash invested: $68,600 (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 34473

• Home prices YoY: -16.8%
• Rents YoY: -0.7%
• Active inventory: 1376
• Price-to-rent: 9.9×

Monthly cashflow live

• Estimated rent: $2,054 high
• Mortgage (P&I): −$1,285
• Tax from tax record: −$153 /mo · $1,836/yr
• Insurance: −$102
• HOA: −$0
• Vacancy / Maint / Mgmt: −$431
• Net cashflow: $83

Break-even live

Break-even rent $1,949

Max offer price $245,000

Occupancy floor 91%

Sensitivity live

Price	-10% $222	-5% $152	+0% $83	+5% $14	+10% $-56
Rent	-10% $-79	-5% $2	+0% $83	+5% $164	+10% $245
Rate	-1.0pp $207	-0.5pp $145	base $83	+0.5pp $20	+1.0pp $-45

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: $61,250
• Closing costs: $7,350
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
12816 SW 61st Ave Ocala, FL	4.0	2.0	2134	$2,100	$0.98	15d	1	0.15mi
5726 SW 129th Place Rd Ocala, FL	4.0	2.0	1787	$1,899	$1.06	23d	1	0.33mi
5844 SW 132nd Pl Ocala, FL	3.0	2.0	1328	$1,850	$1.39	15d	1	0.52mi
6555 SW 129th Loop Ocala, FL	3.0	2.0	1357	$1,675	$1.23	15d	1	0.70mi
13153 SW 65th Cir Ocala, FL	4.0	2.0	1696	$1,950	$1.15	23d	1	0.74mi
376 Marion Oaks Trl Ocala, FL	4.0	3.0	2327	$2,000	$0.86	23d	1	0.80mi
6732 SW 132nd St Ocala, FL	4.0	2.0	1774	$1,950	$1.10	15d	1	0.89mi
13616 SW 61st Cir Ocala, FL	3.0	2.0	1313	$1,595	$1.21	23d	1	0.93mi
13205 SW 65th Cir Ocala, FL	4.0	3.0	1802	$2,200	$1.22	15d	1	0.93mi
6872 SW 132nd St Ocala, FL	4.0	2.0	1774	$2,200	$1.24	23d	1	0.99mi
6872 SW 132nd Pl Ocala, FL	4.0	2.0	1774	$2,200	$1.24	23d	1	1.00mi
4691 SW 129th Pl Ocala, FL	4.0	2.0	1643	$1,850	$1.13	23d	1	1.21mi
6367 SW 117th Street Rd Ocala, FL	3.0	2.0	1602	$2,650	$1.65	23d	1	1.26mi
7052 SW 131st Loop Ocala, FL	3.0	2.0	1718	$1,550	$0.90	23d	1	1.28mi
13101 SW 72nd Terrace Rd Ocala, FL	4.0	3.0	2088	$2,250	$1.08	15d	1	1.30mi
7146 SW 134th St Ocala, FL	3.0	2.0	1733	$1,600	$0.92	23d	1	1.32mi
7060 SW 131st Loop Ocala, FL	4.0	2.0	1787	$1,899	$1.06	15d	1	1.34mi
7011 SW 136th Ln Ocala, FL	3.0	2.0	1670	$2,300	$1.38	15d	1	1.39mi
11302 SW 62nd Cir Ocala, FL	3.0	2.0	1526	$2,095	$1.37	23d	1	1.47mi

Listing history 8 events

1. 2026-04-16
   status Pending
2. 2026-03-28
   listed $245,000 Active
3. 2018-07-13
   soldstatus $156,500
4. 2018-07-06
   soldstatus $156,500 774-char remark

   Show marketing remark (774 chars)

   This 3 bedroom 2 bath home is ready for you to move in. Beautiful 22 inch tile cover the entire floor. Multiple TV mounts in several places for all of your netflix watching dreams to come true. Speakers set up in the garage for an ultimate man cave. Fenced back yard, and quiet neighborhood. Florida protected preserve is your backyard with access to trails right behind you. Rental income opportunity! Don't walk away from this AMAZING deal! FULL DISCLOSURE: Home has had a FULLY Re-mediated foundation in 2011 for sinkhole activity in neighbors back yard and has had no activity since. Home IS currently INSURED. ALL Documents on file and ready to present. Don't be drained by this sinkhole! Call us today to tell you why you should buy this house and set up a showing!

5. 2018-05-03
   listed $164,000 774-char remark

   Show marketing remark (774 chars)

   This 3 bedroom 2 bath home is ready for you to move in. Beautiful 22 inch tile cover the entire floor. Multiple TV mounts in several places for all of your netflix watching dreams to come true. Speakers set up in the garage for an ultimate man cave. Fenced back yard, and quiet neighborhood. Florida protected preserve is your backyard with access to trails right behind you. Rental income opportunity! Don't walk away from this AMAZING deal! FULL DISCLOSURE: Home has had a FULLY Re-mediated foundation in 2011 for sinkhole activity in neighbors back yard and has had no activity since. Home IS currently INSURED. ALL Documents on file and ready to present. Don't be drained by this sinkhole! Call us today to tell you why you should buy this house and set up a showing!

6. 2018-04-10
   historical
7. 2017-11-10
   listed $165,000
8. 2004-09-23
   soldstatus $12,500

ⓘ 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: $1,836 · $153/mo
• Projected year-2 tax: $2,034 · $169/mo
• Expected delta: +$198/yr (+$16/mo · 10.8%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,654
• − Mortgage interest: −$13,724
• − Property taxes: −$1,836
• − Insurance: −$1,225
• − Repairs & maintenance: −$1,972
• − Management: −$1,972
• − Depreciation: −$7,127
• Taxable loss: −$3,203
• Est. tax savings @ 24.0%: +$769
• After-tax cash flow: $1,767/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 — Marion Oaks

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: Marion Oaks, FL
• County: Marion County · 315,796 people
• City population: 25,030
• Metro: Ocala, FL
• Population (ZIP): 26,813
• Household income: $72,366
• Rent vs Own: 21.5% rent · 78.5% own
• Severe rent burden: 228.0

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: Diverse neighborhood (Simpson 0.69)
• Race & ethnicity: White 34% Black 33% Hispanic / Latino 29% Two or more races 19% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 17% Cuban 3%
• Common ancestry: Hispanic 3% Portuguese 2% Romanian 1%
• Foreign-born: 17% · Canada, Jamaica
• Languages at home: 67% English-only · Spanish 27% French/Haitian/Cajun 4% 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: ▼ -45.25%
• Current HPI: 224.3536
• Rent YoY: ▼ -0.67%
• 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

+1860.0% since first listed

8 events — show timeline

• 2026-04-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-28 Listed $245,000 Stellar MLS as Distributed by MLS Grid
• 2018-07-13 Sold (Public Records) $156,500 Public Records
• 2018-07-06 Sold (MLS) $156,500 Stellar MLS as Distributed by MLS Grid
• 2018-05-03 Listed $164,000 Stellar MLS as Distributed by MLS Grid
• 2018-04-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2017-11-10 Listed $165,000 Stellar MLS as Distributed by MLS Grid
• 2004-09-23 Sold (Public Records) $12,500 Public Records

Property tax history

+5.3%/yr

Latest (2025): $1,836 · +15.1% YoY. Source: county tax records.