3564 SE 56th St · Ocala, FL 34480

$150,000

3 bd · 2.0 ba · 2,052 sqft · Manufactured public records · 16 Days on market

Built 1987 2.53 ac lot

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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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +7.8/10.0
• ARV discount +7.5/15.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Home needs lots of TLC. Home sits on a beautiful 2.53 acres.

Key facts

• 2.53 acres
• 2.53 acre lot
• Built 1987

Tags

• 2.53 ACRES

Property features AI

Finance

• Other: Property is homesteaded; Zoning: A1; Lot approx. 2.53 acres (dimensions 190 x 579); Living area reported as 2,052 (public records)
• HOA & community: No association reported

Exterior

• Utilities: Well water; Septic needed; Electricity available
• Home design: Manufactured home (double wide); Single-story; Faces northeast; Fixer condition
• Construction: Wood siding; Metal roof; Pillar/post/pier foundation; Built as double wide manufactured structure
• Exterior features: Other exterior features; Paved access; Road surface: dirt

Interior

• Kitchen: No appliances included
• Bedrooms: 3 bedrooms
• Flooring: Other flooring
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heating: Other; Cooling: Wall/window unit(s)
• Interior features: Ceiling fans; Split bedroom layout; Formal dining room; Inside utility
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry room inside

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $150k.

Deal economics

• At list price, monthly cash flow is $601 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $148k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.1% vs local median 4.2% in Ocala — 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 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.
• Market conditions: Rents rising (+2.8%/yr); 344 active listings in the ZIP; 6 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k 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.
• At projected returns (-3.0% appreciation + 2.8% rent growth), your $42k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 16 days — a 2% lower offer ($148k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $22k; list at $150k implies a 567% 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 5→15/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $147,750 (1.5% 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. 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?
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: 1.28% ✓
• Cap rate: 11.10%
• Cash-on-cash: 17.16%
• DSCR: 1.76
• GRM: 6.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.84% rent growth · sell at horizon

5-year hold

• IRR: 8.3%
• Equity multiple: 1.32×
• Total profit: $13,587
• Equity at exit: $22,365

10-year hold

• IRR: 17.4%
• Equity multiple: 2.42×
• Total profit: $59,633
• Equity at exit: $12,969

Cash invested: $42,000 (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 34480

• Home prices YoY: -28.7%
• Rents YoY: 2.8%
• Active inventory: 344
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,918 high
• Mortgage (P&I): −$787
• Tax from tax record: −$66 /mo · $789/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$403
• Net cashflow: $601

Break-even live

Break-even rent $1,158

Max offer price $150,000

Occupancy floor 64%

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: $37,500
• Closing costs: $4,500
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4861 SE 31st Ter Ocala, FL	3.0	2.0	1482	$1,700	$1.15	21d	1	0.65mi
5203 SE 42nd Ct Ocala, FL	4.0	3.0	2900	$2,650	$0.91	13d	1	0.68mi
4760 SE 30th Ct Ocala, FL	3.0	2.0	1520	$1,500	$0.99	21d	1	0.80mi
3700 SE 34th Ct Ocala, FL	3.0	2.0	1508	$2,050	$1.36	21d	1	1.37mi
3674 SE 37th Ct Ocala, FL	3.0	2.5	1708	$1,800	$1.05	13d	1	1.38mi
3663 SE 37th Avenue Rd Ocala, FL	3.0	2.5	1707	$1,825	$1.07	21d	1	1.41mi

Listing history 12 events

1. 2026-06-18
   days on market $150,000 Active 16 DOM
2. 2026-06-17
   days on market $150,000 Active 15 DOM
3. 2026-06-16
   days on market $150,000 Active 14 DOM
4. 2026-06-15
   days on market $150,000 Active 13 DOM
5. 2026-06-14
   days on market $150,000 Active 11 DOM
6. 2026-06-13
   days on market $150,000 Active 10 DOM
7. 2026-06-10
   days on market $150,000 Active 8 DOM
8. 2026-06-09
   days on market $150,000 Active 7 DOM
9. 2026-06-08
   days on market $150,000 Active 6 DOM
10. 2026-06-07
    days on market $150,000 Active 5 DOM
11. 2026-06-03
    remarks 60-char remark
12. 2026-06-03
    listed $150,000 Active 1 DOM

ⓘ 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: $789 · $66/mo
• Projected year-2 tax: $1,245 · $104/mo
• Expected delta: +$456/yr (+$38/mo · 57.8%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 5 d/yr ≥108°F today · 15 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,019
• − Mortgage interest: −$8,402
• − Property taxes: −$789
• − Insurance: −$750
• − Repairs & maintenance: −$1,841
• − Management: −$1,841
• − Depreciation: −$4,364
• Taxable income: $5,031
• Est. tax owed @ 24.0%: −$1,207
• After-tax cash flow: $5,999/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

• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 23,517
• Household income: $77,557
• Rent vs Own: 23.3% rent · 76.7% own
• Severe rent burden: 169.0

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: Predominantly White (73%)
• Race & ethnicity: White 73% Hispanic / Latino 15% Two or more races 11% Black 6% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 5% Cuban 2% Dominican 2%
• Common ancestry: Italian 3% Slovak 3% Lithuanian 2%
• Foreign-born: 6% · Canada
• Languages at home: 89% English-only · Spanish 9% Other Asian/Pacific 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: ▼ -85.60%
• Current HPI: 212.4262
• Rent YoY: ▲ 2.84%
• 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

+566.7% since first listed

2 events — show timeline

• 2026-06-02 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 1995-11-30 Sold (Public Records) $22,500 Public Records

Property tax history

+4.9%/yr

Latest (2025): $789 · +40.7% YoY. Source: county tax records.