4915 SW 81st Loop · Liberty Triangle, FL 34476

$215,000

3 bd · 2.5 ba · 1,828 sqft · Townhouse public records · 189 Days on market

Built 2025 Good condition 1,742 sqft lot $118/sqft · 11% below area Est $225k · at est. $229/mo HOA · 11% of rent

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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 +15.0/30.0
• ARV discount +9.5/15.0
• Schools +4.7/10.0
• DSCR +4.6/10.0
• 1% rule +4.5/10.0
• Condition / age +4.0/5.0
• Livability +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome to this beautifully designed 3-bedroom, 2.5-bath townhouse located in the highly desirable Marion Ranch—a vibrant, master-planned community that provides the perfect blend of comfort, style, and convenience. This modern home features a spacious open-concept layout, ideal for both everyday living and entertaining. The kitchen serves as the heart of the home, complete with sleek cabinetry, ample counter space, and a functional design that flows seamlessly into the living and dining areas. Upstairs, you’ll find generously sized bedrooms, including a comfortable primary suite with a private bath and plenty of closet space. Enjoy low-maintenance living with HOA-covered lawn care and internet, giving you more time to relax and enjoy everything the community has to provide. Marion Ranch provides a true resort-style lifestyle with top-tier amenities including a clubhouse, fitness center, resort-style pool, tennis and pickleball courts, scenic walking trails, dog park, and more—perfect for an active and social lifestyle. Conveniently located near shopping, dining, and major highways, with easy access to Orlando and surrounding areas, this home provides both tranquility and accessibility. Don’t miss the opportunity to live in one of Ocala’s fastest-growing communities—schedule your showing today!

Key facts

• Fitness center
• Clubhouse
• Sleek cabinetry

Tags

• OPEN-CONCEPT LAYOUT
• SLEEK CABINETRY
• HOA-COVERED LAWN CARE
• CLUBHOUSE
• FITNESS CENTER
• RESORT-STYLE POOL

What this means for you Summary

Snapshot

• This is a 3-bed/2.5-bath townhouse listed at $215k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $67 ($807/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 (4.9% below list).
• Recommended offer: $189k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.7% 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 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: Hammett Bowen Jr. Elementary School (math 56% / reading 56%, grade C+, #832 of 2,144 statewide, top 40%, 867 students, 54% 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).
• Market conditions: Rents soft (-2.6%/yr); 1194 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals leasing fast (median 6d on market — plan ~1-2 weeks tenant-placement turnaround); 48% of comp listings sitting > 30 days — soft ceiling on asking rent; 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 $1k of loan paydown is wiped out by about $6k 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 189 days — a 12% lower offer ($189k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts; this cycle's ask is 11878% above the opening price — seller raised mid-cycle; expect resistance to lowballs.

Recommended offer $189,200 (12.0% below list)

Questions for the listing agent

1. It's been on market 189 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.95% ✗
• Cap rate: 6.67%
• Cash-on-cash: 1.34%
• DSCR: 1.06
• GRM: 8.8

CMA / ARV

• ARV (median comp): $224,990
• List price: $215,000
• Delta: -4.44%
• Verdict: FAIR
• Comps: 15 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4947 SW 81st Loop	0.04mi	3/2.5	1,828 (0%)	3mo	$230,000	$126	95
4847 SW 81st Loop	0.08mi	3/2.5	1,782 (-2%)	9mo	$244,530	$137	85
4879 SW 81st Loop	0.05mi	3/2.5	1,765 (-3%)	9mo	$212,000	$120	84
4910 SW 80th Ln	0.14mi	3/2.5	1,765 (-3%)	5mo	$209,999	$119	83
4872 SW 81st St	0.09mi	3/2.5	1,700 (-7%)	2mo	$247,140	$145	83
4875 SW 81st Loop	0.05mi	3/2.5	1,700 (-7%)	4mo	$224,640	$132	82
4844 SW 81st St	0.09mi	3/2.5	1,717 (-6%)	4mo	$228,990	$133	82
4890 SW 80th Ln	0.14mi	3/2.5	1,765 (-3%)	8mo	$223,090	$126	81
4870 SW 80th Ln	0.14mi	3/2.5	1,717 (-6%)	4mo	$224,990	$131	80
4930 SW 80th Ln	0.14mi	3/2.5	1,717 (-6%)	4mo	$221,500	$129	80
4887 SW 81st Loop	0.04mi	3/2.5	1,700 (-7%)	9mo	$257,390	$151	79
4950 SW 80th Ln	0.14mi	3/2.5	1,700 (-7%)	5mo	$247,140	$145	77

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: -17.7%
• Equity multiple: 0.39×
• Total profit: $-36,482
• Equity at exit: $32,057

10-year hold

• IRR: -17.3%
• Equity multiple: 0.18×
• Total profit: $-49,138
• Equity at exit: $18,589

Cash invested: $60,200 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 12 active · 3 under contract
• Months of supply: 9.0 mo (11%/mo absorbed)
• Median asking: $230,490 ($134/sqft)
• Median days on market: 92 d
• This list price: lowest-priced of the active set
• ARV vs active asking: -8.4% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34476

• Rents YoY: -2.6%
• Active inventory: 1194
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $2,045 high
• Mortgage (P&I): −$1,127
• Tax from tax record: −$103 /mo · $1,231/yr
• Insurance: −$90
• HOA: −$229
• Vacancy / Maint / Mgmt: −$430
• Net cashflow: $67

Break-even live

Break-even rent $1,960

Max offer price $215,000

Occupancy floor 92%

Sensitivity live

Price	-10% $189	-5% $128	+0% $67	+5% $6	+10% $-54
Rent	-10% $-94	-5% $-14	+0% $67	+5% $148	+10% $229
Rate	-1.0pp $176	-0.5pp $122	base $67	+0.5pp $12	+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: $53,750
• Closing costs: $6,450
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4939 SW 81st Loop Ocala, FL	3.0	2.5	1828	$1,750	$0.96	109d	1	0.01mi
4898 SW 81st Loop Ocala, FL	3.0	2.5	1708	$1,790	$1.05	6d	1	0.05mi
4915 SW 81st St Ocala, FL	3.0	2.5	1707	$1,795	$1.05	109d	1	0.05mi
4957 SW 83rd Pl Ocala, FL	3.0	2.5	1339	$1,650	$1.23	6d	1	0.09mi
4967 SW 83rd Pl Ocala, FL	3.0	2.5	1339	$1,650	$1.23	6d	1	0.09mi
4942 SW 81st St Ocala, FL	3.0	2.5	1708	$1,800	$1.05	6d	1	0.11mi
4593 SW 81st Loop Ocala, FL	3.0	2.0	1843	$2,150	$1.17	0d	1	0.21mi
4643 SW 84th Street Rd Ocala, FL	3.0	2.0	1663	$1,925	$1.16	109d	1	0.23mi
4713 SW 83rd Loop Ocala, FL	4.0	3.0	1958	$2,250	$1.15	6d	1	0.29mi
4703 SW 85th Pl Ocala, FL	4.0	2.0	1828	$2,500	$1.37	109d	1	0.31mi
4757 SW 83rd Loop Ocala, FL	4.0	2.0	1821	$1,999	$1.10	3d	1	0.36mi
4426 SW 80th Pl Ocala, FL	3.0	2.0	1429	$2,050	$1.43	6d	1	0.38mi
8594 SW 46th Ave Ocala, FL	4.0	2.5	2325	$2,500	$1.08	6d	1	0.38mi
8609 SW 46th Ter Ocala, FL	3.0	2.0	1670	$2,400	$1.44	109d	1	0.41mi
8650 SW 46th Ave Ocala, FL	3.0	2.0	1504	$2,000	$1.33	6d	1	0.43mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	109d	1	0.47mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	109d	1	0.47mi
8619 SW 44th Ter Ocala, FL	3.0	2.0	1504	$1,925	$1.28	6d	1	0.48mi
4828 SW 86th Ln Ocala, FL	3.0	2.0	1672	$1,950	$1.17	117d	1	0.48mi
8579 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,272	$1.04	3d	1	0.48mi
4383 SW 85th Ln Ocala, FL	3.0	2.0	1453	$2,045	$1.41	6d	1	0.49mi
8585 SW 44th Ct Ocala, FL	3.0	2.0	1453	$2,045	$1.41	6d	1	0.49mi
4311 SW 84th Street Rd Ocala, FL	3.0	3.0	2279	$2,500	$1.10	109d	1	0.50mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	109d	1	0.52mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	109d	1	0.52mi
8724 SW 49th Cir Ocala, FL	4.0	2.0	1828	$2,000	$1.09	6d	1	0.55mi
8665 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	117d	1	0.55mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	117d	1	0.57mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	109d	1	0.57mi
4770 SW 88th Ln Ocala, FL	4.0	2.0	1827	$2,250	$1.23	6d	1	0.63mi
4631 SW 88 Pl Ocala, FL	3.0	2.0	1672	$2,000	$1.20	6d	1	0.63mi
8320 SW 41st Ter Ocala, FL	3.0	2.0	1841	$2,300	$1.25	109d	1	0.63mi
4762 SW 88th Ln Ocala, FL	4.0	2.0	1827	$1,990	$1.09	6d	1	0.63mi
4682 SW 88th Ln Ocala, FL	4.0	2.0	1827	$2,100	$1.15	6d	1	0.65mi
8780 SW 49th Cir Ocala, FL	3.0	2.0	1672	$1,900	$1.14	117d	1	0.66mi
4697 SW 89th St Ocala, FL	4.0	2.0	1848	$2,150	$1.16	109d	1	0.67mi
8792 SW 49th Cir Ocala, FL	4.0	2.0	1498	$1,850	$1.23	117d	1	0.69mi
5303 SW 88th Pl Ocala, FL	3.0	2.0	2050	$2,300	$1.12	6d	1	0.73mi
8940 SW 50th Ter Ocala, FL	4.0	2.0	1827	$2,195	$1.20	117d	1	0.74mi
8856 SW 49th Cir Ocala, FL	4.0	2.0	1827	$1,950	$1.07	6d	1	0.77mi

HOA detail $229/mo · $2,748/yr

• Likely covers: internetlandscapingpoolgym

Listing history 50 events

1. 2026-09-24
   days on market $215,000 Active 189 DOM
2. 2026-09-24
   days on market $215,000 Active 188 DOM
3. 2026-09-21
   days on market $215,000 Active 186 DOM
4. 2026-09-20
   days on market $215,000 Active 185 DOM
5. 2026-09-18
   days on market $215,000 Active 183 DOM
6. 2026-09-17
   days on market $215,000 Active 182 DOM
7. 2026-09-16
   days on market $215,000 Active 181 DOM
8. 2026-09-15
   days on market $215,000 Active 180 DOM
9. 2026-09-14
   days on market $215,000 Active 179 DOM
10. 2026-09-13
    days on market $215,000 Active 178 DOM
11. 2026-09-12
    days on market $215,000 Active 177 DOM
12. 2026-09-11
    days on market $215,000 Active 176 DOM
13. 2026-09-05
    days on market $215,000 Active 170 DOM
14. 2026-09-04
    days on market $215,000 Active 169 DOM
15. 2026-09-03
    days on market $215,000 Active 168 DOM
16. 2026-08-31
    days on market $215,000 Active 165 DOM
17. 2026-08-30
    days on market $215,000 Active 164 DOM
18. 2026-08-29
    days on market $215,000 Active 163 DOM
19. 2026-08-28
    days on market $215,000 Active 162 DOM
20. 2026-08-27
    days on market $215,000 Active 161 DOM
21. 2026-08-25
    days on market $215,000 Active 159 DOM
22. 2026-08-24
    days on market $215,000 Active 158 DOM
23. 2026-08-23
    days on market $215,000 Active 157 DOM
24. 2026-08-22
    days on market $215,000 Active 156 DOM
25. 2026-08-20
    days on market $215,000 Active 154 DOM
26. 2026-08-19
    days on market $215,000 Active 153 DOM
27. 2026-08-18
    days on market $215,000 Active 152 DOM
28. 2026-08-17
    days on market $215,000 Active 151 DOM
29. 2026-08-16
    days on market $215,000 Active 150 DOM
30. 2026-08-15
    days on market $215,000 Active 149 DOM
31. 2026-08-14
    days on market $215,000 Active 148 DOM
32. 2026-08-13
    days on market $215,000 Active 147 DOM
33. 2026-08-12
    days on market $215,000 Active 146 DOM
34. 2026-08-11
    days on market $215,000 Active 145 DOM
35. 2026-08-10
    days on market $215,000 Active 144 DOM
36. 2026-08-09
    days on market $215,000 Active 143 DOM
37. 2026-08-08
    days on market $215,000 Active 142 DOM
38. 2026-08-07
    days on market $215,000 Active 141 DOM
39. 2026-08-06
    days on market $215,000 Active 140 DOM
40. 2026-08-05
    days on market $215,000 Active 139 DOM
41. 2026-08-04
    days on market $215,000 Active 138 DOM
42. 2026-08-03
    days on market $215,000 Active 137 DOM
43. 2026-07-31
    days on market $215,000 Active 134 DOM
44. 2026-07-30
    days on market $215,000 Active 133 DOM
45. 2026-07-29
    days on market $215,000 Active 132 DOM
46. 2026-07-27
    days on market $215,000 Active 130 DOM
47. 2026-07-25
    days on market $215,000 Active 128 DOM
48. 2026-07-23
    days on market $215,000 Active 126 DOM
49. 2026-07-22
    days on market $215,000 Active 125 DOM
50. 2026-07-21
    days on market $215,000 Active 124 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: $1,231 · $103/mo
• Projected year-2 tax: $1,784 · $149/mo
• Expected delta: +$553/yr (+$46/mo · 45.0%)

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

Taxation est. · year 1

• Rental income: $24,545
• − Mortgage interest: −$12,043
• − Property taxes: −$1,231
• − Insurance: −$1,075
• − Repairs & maintenance: −$1,964
• − Management: −$1,964
• − HOA: −$2,748
• − Depreciation: −$6,255
• Taxable loss: −$2,734
• Est. tax savings @ 24.0%: +$656
• After-tax cash flow: $1,463/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.

Condition & rehab AI · 6 photos

Good 80/100 None rehab

This modern townhouse in Marion Ranch is in excellent condition with a fresh paint job and modern finishes, making it move-in ready and highly attractive for both resale and rental.

Value-add opportunities

• Both Painting the exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
• Both Adding a smart home system — Improves convenience and energy efficiency, attracting more buyers and renters. ↑
• Both Upgrading the kitchen appliances — Modern appliances can increase the home's appeal and value. ↑
• Both Landscaping improvements — Enhanced landscaping can boost curb appeal and attract more potential buyers and renters. ↑

F Composite school gradezoned avg 46/100

Zoned Schools

Elementary Hammett Bowen Jr. Elementary School C+ FL #832/2,144 Nat'l #9,382/41,679 Middle Liberty Middle School F FL #360/571 Nat'l #5,872/14,009 High West Port High School F FL #255/667 Nat'l #7,439/17,239

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 · 365,905 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: 10% of renters

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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%

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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%

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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

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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

-0.3% since first listed

9 events — show timeline

• 2026-05-06 Rental Removed $1,795 SHOWMOJO
• 2026-05-04 Listed for Rent $1,795 SHOWMOJO
• 2026-04-22 Listed for Rent $1,795 APPFOLIO
• 2026-04-21 Rental Removed $1,795 SHOWMOJO
• 2026-04-16 Price Changed $1,795 SHOWMOJO
• 2026-04-11 Listed for Rent $1,850 SHOWMOJO
• 2026-03-19 Listed $215,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-16 Rental Removed $1,800 APPFOLIO
• 2025-07-24 Listed for Rent $1,800 APPFOLIO

Property tax history

+63.7%/yr

Latest (2025): $1,231 · +63.7% YoY. Source: county tax records.