5080 SW 103rd Street Rd · Liberty Triangle, FL 34476

$125,000

2 bd · 2.0 ba · 1,283 sqft · SingleFamily public records · 15 Days on market

Built 1994 0.46 ac lot $5/mo HOA

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Why this score? — see what drove the B- 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 +28.3/30.0
• DSCR +10.0/10.0
• 1% rule +9.5/10.0
• ARV discount +7.5/15.0
• Schools +3.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Pride of Ownership shows thru out this super cute house! 2 bedroom, 2 bath, + a bonus room , and a very large lanai. This concrete block home sits on an extra large . 46 landscaped lot. Home features include front porch, split floor plan, cathedral ceiling, bonus room off the galley style kitchen, eat in kitchen overlooking the peaceful backyard, and open concept dining and living room. The large lanai leads out to a beautiful paved patio with a fire pit perfect, place to sit out with friends and family. Plus, this property is nicely landscaped with an irrigation system and a large 10x16 sq. ft. shed to keep all your garden tools. It is move in ready. New dishwasher 2020, New garage door 2020, windows replaced in 2018, painted in 2018, water heater 2017, gutters 2016, lanai-new vinyl 2015, AC and roof 2008, and many upgrades thru out. Come check it out. Great location, minutes to shopping, dining, medical, & Freedom library.

Key facts

• 0.46 acre lot
• Garage
• Built 1994

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $125k.

Deal economics

• At list price, monthly cash flow is $401 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $125k).
• Recommended offer: $123k (1.5% below list) — sets the bar for market timing.
• Cap rate 10.1% vs local median 4.5% in Liberty Triangle — 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 B — 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); West Port High School (math 34% / reading 52%, grade F, #255 of 667 statewide, top 39%, 2,906 students, 52% FRL) — zoned schools at 58% FRL track the district average.
• Market conditions: Rents soft (-2.6%/yr); 852 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 33% 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 $864 of loan paydown is wiped out by about $4k 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 15 days — a 2% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 20y 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.

Risks & watch-outs

• Watch-outs: property tax is 3.1% of price.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→20/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $123,125 (1.5% below list)

Questions for the listing agent

1. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.45% ✓
• Cap rate: 10.15%
• Cash-on-cash: 13.76%
• DSCR: 1.61
• GRM: 5.7

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 0.1%
• Equity multiple: 1.00×
• Total profit: $111
• Equity at exit: $18,638

10-year hold

• IRR: 5.9%
• Equity multiple: 1.37×
• Total profit: $12,969
• Equity at exit: $10,808

Cash invested: $35,000 (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 34476

• Rents YoY: -2.6%
• Active inventory: 852
• Price-to-rent: 5.7×

Monthly cashflow live

• Estimated rent: $1,817 high
• Mortgage (P&I): −$656
• Tax from tax record: −$321 /mo · $3,854/yr
• Insurance: −$52
• HOA: −$5
• Vacancy / Maint / Mgmt: −$381
• Net cashflow: $401

Break-even live

Break-even rent $1,309

Max offer price $125,000

Occupancy floor 73%

Sensitivity live

Price	-10% $472	-5% $437	+0% $401	+5% $366	+10% $331
Rent	-10% $258	-5% $330	+0% $401	+5% $473	+10% $545
Rate	-1.0pp $464	-0.5pp $433	base $401	+0.5pp $369	+1.0pp $336

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: $31,250
• Closing costs: $3,750
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10417 SW 52nd Ct Ocala, FL	3.0	2.0	1577	$1,995	$1.27	14d	1	0.15mi
14173 SW 60th Ter Unit 2 Ocala, FL	2.0	2.0	1127	$1,450	$1.29	21d	1	0.92mi
10312 SW 61st Terrace Rd Ocala, FL	2.0	2.0	1008	$1,650	$1.64	21d	1	0.96mi
9853 SW 59th Cir Ocala, FL	2.0	1.0	935	$1,500	$1.60	14d	1	0.98mi
4296 SW 98th St Ocala, FL	3.0	2.0	1607	$1,700	$1.06	21d	1	1.02mi
6035 SW 98th Street Rd Ocala, FL	2.0	2.0	1494	$1,650	$1.10	14d	1	1.09mi
6345 SW 115th Street Rd Ocala, FL	2.0	2.0	1008	$1,400	$1.39	21d	1	1.28mi
7177 SW 92nd St Ocala, FL	3.0	2.5	1410	$1,850	$1.31	21d	1	1.33mi
11302 SW 62nd Cir Ocala, FL	3.0	2.0	1526	$2,095	$1.37	21d	1	1.41mi
10912 SW 69th Cir Ocala, FL	2.0	2.0	1169	$1,600	$1.37	21d	1	1.50mi

HOA detail

• Monthly dues: $5 · $60/yr
• Likely covers: water

Listing history 26 events

1. 2026-04-01
   status Pending
2. 2026-03-12
   listed $125,000 Active
3. 2025-01-17
   status Pending
4. 2025-01-16
   historical
5. 2024-12-26
   price $236,000
6. 2024-12-02
   price $247,900
7. 2024-11-19
   price $249,900
8. 2024-11-09
   price $257,000
9. 2024-10-26
   price $264,000
10. 2024-10-12
    listed $269,000 Active
11. 2022-03-31
    soldstatus $245,000 Closed 944-char remark

    Show marketing remark (944 chars)

    Pride of Ownership shows thru out this super cute house! 2 bedroom, 2 bath, + a bonus room , and a very large lanai. This concrete block home sits on an extra large . 46 landscaped lot. Home features include front porch, split floor plan, cathedral ceiling, bonus room off the galley style kitchen, eat in kitchen overlooking the peaceful backyard, and open concept dining and living room. The large lanai leads out to a beautiful paved patio with a fire pit perfect, place to sit out with friends and family. Plus, this property is nicely landscaped with an irrigation system and a large 10x16 sq. ft. shed to keep all your garden tools. It is move in ready. New dishwasher 2020, New garage door 2020, windows replaced in 2018, painted in 2018, water heater 2017, gutters 2016, lanai-new vinyl 2015, AC and roof 2008, and many upgrades thru out. Come check it out. Great location, minutes to shopping, dining, medical, & Freedom library.

12. 2022-02-26
    status Pending 944-char remark

    Show marketing remark (944 chars)

    Pride of Ownership shows thru out this super cute house! 2 bedroom, 2 bath, + a bonus room , and a very large lanai. This concrete block home sits on an extra large . 46 landscaped lot. Home features include front porch, split floor plan, cathedral ceiling, bonus room off the galley style kitchen, eat in kitchen overlooking the peaceful backyard, and open concept dining and living room. The large lanai leads out to a beautiful paved patio with a fire pit perfect, place to sit out with friends and family. Plus, this property is nicely landscaped with an irrigation system and a large 10x16 sq. ft. shed to keep all your garden tools. It is move in ready. New dishwasher 2020, New garage door 2020, windows replaced in 2018, painted in 2018, water heater 2017, gutters 2016, lanai-new vinyl 2015, AC and roof 2008, and many upgrades thru out. Come check it out. Great location, minutes to shopping, dining, medical, & Freedom library.

13. 2022-02-23
    status Active 944-char remark

    Show marketing remark (944 chars)

    Pride of Ownership shows thru out this super cute house! 2 bedroom, 2 bath, + a bonus room , and a very large lanai. This concrete block home sits on an extra large . 46 landscaped lot. Home features include front porch, split floor plan, cathedral ceiling, bonus room off the galley style kitchen, eat in kitchen overlooking the peaceful backyard, and open concept dining and living room. The large lanai leads out to a beautiful paved patio with a fire pit perfect, place to sit out with friends and family. Plus, this property is nicely landscaped with an irrigation system and a large 10x16 sq. ft. shed to keep all your garden tools. It is move in ready. New dishwasher 2020, New garage door 2020, windows replaced in 2018, painted in 2018, water heater 2017, gutters 2016, lanai-new vinyl 2015, AC and roof 2008, and many upgrades thru out. Come check it out. Great location, minutes to shopping, dining, medical, & Freedom library.

14. 2022-02-23
    price $225,000 944-char remark

    Show marketing remark (944 chars)

    Pride of Ownership shows thru out this super cute house! 2 bedroom, 2 bath, + a bonus room , and a very large lanai. This concrete block home sits on an extra large . 46 landscaped lot. Home features include front porch, split floor plan, cathedral ceiling, bonus room off the galley style kitchen, eat in kitchen overlooking the peaceful backyard, and open concept dining and living room. The large lanai leads out to a beautiful paved patio with a fire pit perfect, place to sit out with friends and family. Plus, this property is nicely landscaped with an irrigation system and a large 10x16 sq. ft. shed to keep all your garden tools. It is move in ready. New dishwasher 2020, New garage door 2020, windows replaced in 2018, painted in 2018, water heater 2017, gutters 2016, lanai-new vinyl 2015, AC and roof 2008, and many upgrades thru out. Come check it out. Great location, minutes to shopping, dining, medical, & Freedom library.

15. 2022-01-13
    status Pending 944-char remark

    Show marketing remark (944 chars)

    Pride of Ownership shows thru out this super cute house! 2 bedroom, 2 bath, + a bonus room , and a very large lanai. This concrete block home sits on an extra large . 46 landscaped lot. Home features include front porch, split floor plan, cathedral ceiling, bonus room off the galley style kitchen, eat in kitchen overlooking the peaceful backyard, and open concept dining and living room. The large lanai leads out to a beautiful paved patio with a fire pit perfect, place to sit out with friends and family. Plus, this property is nicely landscaped with an irrigation system and a large 10x16 sq. ft. shed to keep all your garden tools. It is move in ready. New dishwasher 2020, New garage door 2020, windows replaced in 2018, painted in 2018, water heater 2017, gutters 2016, lanai-new vinyl 2015, AC and roof 2008, and many upgrades thru out. Come check it out. Great location, minutes to shopping, dining, medical, & Freedom library.

16. 2022-01-11
    listed $219,900 Active 944-char remark

    Show marketing remark (944 chars)

    Pride of Ownership shows thru out this super cute house! 2 bedroom, 2 bath, + a bonus room , and a very large lanai. This concrete block home sits on an extra large . 46 landscaped lot. Home features include front porch, split floor plan, cathedral ceiling, bonus room off the galley style kitchen, eat in kitchen overlooking the peaceful backyard, and open concept dining and living room. The large lanai leads out to a beautiful paved patio with a fire pit perfect, place to sit out with friends and family. Plus, this property is nicely landscaped with an irrigation system and a large 10x16 sq. ft. shed to keep all your garden tools. It is move in ready. New dishwasher 2020, New garage door 2020, windows replaced in 2018, painted in 2018, water heater 2017, gutters 2016, lanai-new vinyl 2015, AC and roof 2008, and many upgrades thru out. Come check it out. Great location, minutes to shopping, dining, medical, & Freedom library.

17. 2015-09-14
    soldstatus $110,000
18. 2015-09-11
    soldstatus $110,000
19. 2015-08-10
    listed $109,900
20. 2007-12-14
    historical
21. 2007-01-24
    historical
22. 2006-09-18
    listed $185,000
23. 2006-01-25
    listed $187,500
24. 1994-01-06
    soldstatus $9,900
25. 1993-10-07
    soldstatus $7,200
26. 1993-09-01
    soldstatus $7,200

ⓘ 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: $3,854 · $321/mo
• Projected year-2 tax: $3,854 · $321/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 20 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,799
• − Mortgage interest: −$7,002
• − Property taxes: −$3,854
• − Insurance: −$625
• − Repairs & maintenance: −$1,744
• − Management: −$1,744
• − HOA: −$60
• − Depreciation: −$3,636
• Taxable income: $3,133
• Est. tax owed @ 24.0%: −$752
• After-tax cash flow: $4,063/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 — Liberty Triangle

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

Census & demographics

• Census place: Liberty Triangle, FL
• County: Marion County · 315,796 people
• City population: 26,397
• Metro: Ocala, FL
• Population (ZIP): 28,997
• Household income: $65,860
• Rent vs Own: 12.3% rent · 87.7% own
• Severe rent burden: 204.0

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 0.55)
• Race & ethnicity: White 63% Hispanic / Latino 18% Black 13% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 8% Cuban 3%
• Common ancestry: Romanian 3% Slovak 3% Lithuanian 3%
• Foreign-born: 15% · Canada, Jamaica, Dominican Republic
• Languages at home: 83% English-only · Spanish 14% Other Indo-European 1% German/W. Germanic 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: ▼ -105.22%
• Current HPI: 189.0869
• Rent YoY: ▼ -2.57%
• 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

+1636.1% since first listed

26 events — show timeline

• 2026-04-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-12 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-01-16 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-12-26 Price Changed $236,000 Stellar MLS as Distributed by MLS Grid
• 2024-12-02 Price Changed $247,900 Stellar MLS as Distributed by MLS Grid
• 2024-11-19 Price Changed $249,900 Stellar MLS as Distributed by MLS Grid
• 2024-11-09 Price Changed $257,000 Stellar MLS as Distributed by MLS Grid
• 2024-10-26 Price Changed $264,000 Stellar MLS as Distributed by MLS Grid
• 2024-10-12 Listed $269,000 Stellar MLS as Distributed by MLS Grid
• 2022-03-31 Sold (MLS) $245,000 Stellar MLS as Distributed by MLS Grid
• 2022-02-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-02-23 Relisted — Stellar MLS as Distributed by MLS Grid
• 2022-02-23 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2022-01-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-01-11 Listed $219,900 Stellar MLS as Distributed by MLS Grid
• 2015-09-14 Sold (Public Records) $110,000 Public Records
• 2015-09-11 Sold (MLS) $110,000 Stellar MLS as Distributed by MLS Grid
• 2015-08-10 Listed $109,900 Stellar MLS as Distributed by MLS Grid
• 2007-12-14 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-01-24 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2006-09-18 Listed $185,000 Stellar MLS as Distributed by MLS Grid
• 2006-01-25 Listed $187,500 Stellar MLS as Distributed by MLS Grid
• 1994-01-06 Sold (Public Records) $9,900 Public Records
• 1993-10-07 Sold (Public Records) $7,200 Public Records
• 1993-09-01 Sold (Public Records) $7,200 Public Records

Property tax history

+14.5%/yr

Latest (2025): $3,854 · +41.0% YoY. Source: county tax records.