921 NW 60th Ave · Ocala, FL 34482

$105,000

3 bd · 2.0 ba · 1,040 sqft · SingleFamily public records · 12 Days on market

Built 1980 7,405 sqft lot $101/sqft · 49% below area Est $206k · 49% under

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

Listing remarks MLS

Cash Only. Sold AS-IS, NO assignable contracts. Opportunity awaits for investors or buyers ready to take on a full renovation project. This property is in need of repairs and is being sold AS-IS. No HOA. With the right remodel, this home has the potential to become an excellent primary residence or rental property. Bring your vision, contractor, and creativity. Located just 4 miles from WEC!

Key facts

• No hoa restrictions
• 7,405 sq ft lot
• Built 1980

Tags

• SOLID BLOCK CONSTRUCTION
• FLORIDA RANCH-STYLE DESIGN
• NO HOA RESTRICTIONS

Property features AI

Finance

• Other: Zoning: R2; Lot about 0.17 acres (0 to less than 1/4 acre); Building area total listed (public records) and living area noted (public records)
• Financial info: Tax information not included per instructions
• HOA & community: No association

Exterior

• Parking: No parking details provided
• Security: No security features listed
• Utilities: Well water; Septic tank; Other utilities
• Home design: Single-family residence; Residential property; Faces east; One story; Entry level on one
• Construction: Block construction; Shingle roof; Slab foundation; Built as a fixer
• Exterior features: Cleared lot; Sidewalk; Paved road access

Interior

• Kitchen: No appliances listed
• Bedrooms: 4 bedrooms
• Flooring: Other flooring
• Bathrooms: 2 full baths, 1 half bath
• Heating & cooling: Other heating; No cooling
• Interior features: Other interior features
• Laundry & utility: Other laundry features

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $105k.

Deal economics

• At list price, monthly cash flow is $862 ($10k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $105k).
• Cap rate 16.1% 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 fast (+11.1%/yr); 663 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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 35% 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 $726 of loan paydown is wiped out by about $3k 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 + 8.0% rent growth), your $29k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• Only 12 days on market — expect competitive offers; lowballing is unlikely to land.
• 6 sale attempts since 16y 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 $82k; 28% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $105,000

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: 1.84% ✓
• Cap rate: 16.15%
• Cash-on-cash: 35.20%
• DSCR: 2.57
• GRM: 4.5

CMA / ARV

• ARV (median comp): $206,386
• List price: $105,000
• Delta: -49.12%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5711 NW 4th St	0.47mi	3/2.0	1,028 (-1%)	3mo	$190,000	$185	74
5747 NW 4th St	0.45mi	3/2.0	1,028 (-1%)	24mo	$225,000	$219	57
5935 NW 14th St	0.27mi	3/2.0	1,173 (+13%)	14mo	$225,000	$192	54
5449 NW 2nd St	0.73mi	3/2.0	936 (-10%)	10mo	$158,000	$169	41
1035 NW 52nd Ct	0.68mi	3/2.0	1,181 (+14%)	17mo	$215,000	$182	32
1089 NW 52nd Ct	0.68mi	3/2.0	1,181 (+14%)	17mo	$220,000	$186	32
5339 NW 6th Pl	0.63mi	3/2.0	1,173 (+13%)	24mo	$230,000	$196	29

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: 36.1%
• Equity multiple: 2.64×
• Total profit: $48,124
• Equity at exit: $15,656

10-year hold

• IRR: 45.3%
• Equity multiple: 6.41×
• Total profit: $159,127
• Equity at exit: $9,078

Cash invested: $29,400 (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: 663
• Price-to-rent: 4.5×

Monthly cashflow live

• Estimated rent: $1,935 high
• Mortgage (P&I): −$551
• Tax from tax record: −$72 /mo · $859/yr
• Insurance: −$44
• HOA: −$0
• Vacancy / Maint / Mgmt: −$406
• Net cashflow: $862

Break-even live

Break-even rent $843

Max offer price $105,000

Occupancy floor 50%

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: $26,250
• Closing costs: $3,150
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5811 NW 10th St Unit 5811 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	21d	1	0.15mi
985 NW 57th Ct Unit 987 Ocala, FL	3.0	2.0	1162	$1,697	$1.46	21d	1	0.21mi
985 NW 57th Ct Unit 985 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	21d	1	0.21mi
1017 NW 57th Ct Unit 1019 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	21d	1	0.21mi
933 NW 57th Ct Unit 935 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	21d	1	0.22mi
1527 NW 57th Ct Unit 1 Ocala, FL	3.0	2.0	1460	$1,550	$1.06	21d	1	0.37mi
311 NW 60th Ave Ocala, FL	3.0	2.0	1462	$1,900	$1.30	21d	1	0.51mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	13d	1	0.76mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	21d	1	0.76mi
1918 NW 50th Cir Ocala, FL	2.0	2.0	1061	$2,200	$2.07	21d	1	1.08mi
2028 NW 50th Ave Ocala, FL	2.0	2.0	1066	$1,595	$1.50	21d	1	1.13mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	1.14mi
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	1.15mi

Listing history 22 events

1. 2026-06-15
   status $105,000 Pending 12 DOM
2. 2026-06-15
   days on market $105,000 Active 12 DOM
3. 2026-06-14
   days on market $105,000 Active 10 DOM
4. 2026-06-13
   statusdays on market $105,000 Active 9 DOM
5. 2026-06-01
   statusdays on market $105,000 Pending 8 DOM
6. 2026-05-31
   days on market $105,000 Active 7 DOM
7. 2026-05-30
   days on market $105,000 Active 6 DOM
8. 2026-05-16
   status Pending 1133-char remark
9. 2026-05-11
   listed $105,000 Active 1133-char remark
10. 2026-03-10
    soldstatus $82,000
11. 2026-03-06
    soldstatus $82,000 Closed 394-char remark

    Show marketing remark (394 chars)

    Cash Only. Sold AS-IS, NO assignable contracts. Opportunity awaits for investors or buyers ready to take on a full renovation project. This property is in need of repairs and is being sold AS-IS. No HOA. With the right remodel, this home has the potential to become an excellent primary residence or rental property. Bring your vision, contractor, and creativity. Located just 4 miles from WEC!

12. 2026-02-18
    status Pending 394-char remark

    Show marketing remark (394 chars)

    Cash Only. Sold AS-IS, NO assignable contracts. Opportunity awaits for investors or buyers ready to take on a full renovation project. This property is in need of repairs and is being sold AS-IS. No HOA. With the right remodel, this home has the potential to become an excellent primary residence or rental property. Bring your vision, contractor, and creativity. Located just 4 miles from WEC!

13. 2026-02-10
    listed $90,000 Active 394-char remark

    Show marketing remark (394 chars)

    Cash Only. Sold AS-IS, NO assignable contracts. Opportunity awaits for investors or buyers ready to take on a full renovation project. This property is in need of repairs and is being sold AS-IS. No HOA. With the right remodel, this home has the potential to become an excellent primary residence or rental property. Bring your vision, contractor, and creativity. Located just 4 miles from WEC!

14. 2026-02-02
    soldstatus $36,143
15. 2011-11-03
    soldstatus $62,900
16. 2011-06-02
    soldstatus $25,000

    Show marketing remark (218 chars)

    3/2/. 5 Home in Ocala Ridge Subdivision on 0.17 Acres. Ceiling fans, living room, kitchen, enclosed garage as a Bonus room. Screened Porch. Great home for the price! Appliances convey if on property at time of closing.

17. 2010-12-02
    listed $26,900

    Show marketing remark (218 chars)

    3/2/. 5 Home in Ocala Ridge Subdivision on 0.17 Acres. Ceiling fans, living room, kitchen, enclosed garage as a Bonus room. Screened Porch. Great home for the price! Appliances convey if on property at time of closing.

18. 2010-11-29
    historical
19. 2010-08-18
    listed $36,900
20. 2003-10-10
    soldstatus $43,500
21. 1991-06-01
    soldstatus $37,500
22. 1980-05-01
    soldstatus $34,500

ⓘ 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: $859 · $72/mo
• Projected year-2 tax: $872 · $73/mo
• Expected delta: +$13/yr (+$1/mo · 1.5%)

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 21 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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,214
• − Mortgage interest: −$5,882
• − Property taxes: −$859
• − Insurance: −$525
• − Repairs & maintenance: −$1,857
• − Management: −$1,857
• − Depreciation: −$3,055
• Taxable income: $9,180
• Est. tax owed @ 24.0%: −$2,203
• After-tax cash flow: $8,145/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): 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

+204.3% since first listed

19 events — show timeline

• 2026-06-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-06-11 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-06-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-29 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-11 Listed $105,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-10 Sold (Public Records) $82,000 Public Records
• 2026-03-06 Sold (MLS) $82,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-10 Listed $90,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-02 Sold (Public Records) $36,143 Public Records
• 2011-11-03 Sold (Public Records) $62,900 Public Records
• 2011-06-02 Sold (MLS) $25,000 Stellar MLS as Distributed by MLS Grid
• 2010-12-02 Listed $26,900 Stellar MLS as Distributed by MLS Grid
• 2010-11-29 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-08-18 Listed $36,900 Stellar MLS as Distributed by MLS Grid
• 2003-10-10 Sold (Public Records) $43,500 Public Records
• 1991-06-01 Sold (Public Records) $37,500 Public Records
• 1980-05-01 Sold (Public Records) $34,500 Public Records

Property tax history

+4.4%/yr

Latest (2025): $859 · +35.9% YoY. Source: county tax records.