18255 NW 60th Ave · McIntosh, FL 32686

$60,000

3 bd · 1.0 ba · 1,190 sqft · SingleFamily public records · 271 Days on market

Built 1950 0.44 ac lot ↓ 25% since listing

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

Listing remarks MLS

2 homes on . 44 acre lot on a paved street. Current properties are fixer uppers or buyer can remove the current homes and replace with new ones. Currently has one house built in 1950, and one mobile home built in 1965. Marion county website notes 2 wells and 2 septics on the property, seller does not have any records on functionality or condition. Investor owned, seller has no records on the property. Buyer to do their own due diligence. Property will not qualify for fha/va/usda financing due to the current condition of the mobile homes. Sold as is, cash only, no financing.

Key facts

• 0.44 acre lot
• Built 1950
• Listed 271 days

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $60k.

Deal economics

• At list price, monthly cash flow is $926 ($11k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $60k).
• Recommended offer: $53k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 65/100 on livability (#632 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+; Watch: health & safety D, 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: 94 active listings in the ZIP; 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 $415 of loan paydown is wiped out by about $2k 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 + 3.0% rent growth), your $17k cash investment doubles in ~2 years — after that, you're playing with house money.

Negotiation context

• It's been on market 271 days — a 12% lower offer ($53k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Watch-outs: built in 1950 — expect roof / HVAC / electrical / plumbing capex.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; major 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 $52,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 271 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1950 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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.
6. 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.
7. 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: 2.85% ✓
• Cap rate: 24.81%
• Cash-on-cash: 66.13%
• DSCR: 3.94
• GRM: 2.9

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 65.4%
• Equity multiple: 3.93×
• Total profit: $49,276
• Equity at exit: $8,946

10-year hold

• IRR: 69.7%
• Equity multiple: 8.08×
• Total profit: $118,967
• Equity at exit: $5,188

Cash invested: $16,800 (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 32686

• Home prices YoY: -9.1%
• Active inventory: 94
• Price-to-rent: 2.9×

Monthly cashflow live

• Estimated rent: $1,709 medium
• Mortgage (P&I): −$315
• Tax from tax record: −$84 /mo · $1,013/yr
• Insurance: −$25
• HOA: −$0
• Vacancy / Maint / Mgmt: −$359
• Net cashflow: $926

Break-even live

Break-even rent $537

Max offer price $60,000

Occupancy floor 41%

Sensitivity live

Price	-10% $960	-5% $943	+0% $926	+5% $909	+10% $892
Rent	-10% $791	-5% $858	+0% $926	+5% $993	+10% $1,061
Rate	-1.0pp $956	-0.5pp $941	base $926	+0.5pp $910	+1.0pp $894

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: $15,000
• Closing costs: $1,800
• Reserves months: —
• Total cash needed: —

Listing history 19 events

1. 2026-06-18
   days on market $60,000 Active 271 DOM
2. 2026-06-17
   days on market $60,000 Active 270 DOM
3. 2026-06-16
   days on market $60,000 Active 269 DOM
4. 2026-06-15
   days on market $60,000 Active 268 DOM
5. 2026-06-14
   days on market $60,000 Active 266 DOM
6. 2026-06-13
   days on market $60,000 Active 265 DOM
7. 2026-06-10
   days on market $60,000 Active 263 DOM
8. 2026-06-09
   days on market $60,000 Active 262 DOM
9. 2026-06-08
   days on market $60,000 Active 261 DOM
10. 2026-06-07
    days on market $60,000 Active 260 DOM
11. 2026-06-03
    days on market $60,000 Active 256 DOM
12. 2026-06-02
    days on market $60,000 Active 255 DOM
13. 2026-05-31
    days on market $60,000 Active 253 DOM
14. 2026-05-30
    days on market $60,000 Active 252 DOM
15. 2026-04-22
    price $60,000 580-char remark

    Show marketing remark (580 chars)

    2 homes on . 44 acre lot on a paved street. Current properties are fixer uppers or buyer can remove the current homes and replace with new ones. Currently has one house built in 1950, and one mobile home built in 1965. Marion county website notes 2 wells and 2 septics on the property, seller does not have any records on functionality or condition. Investor owned, seller has no records on the property. Buyer to do their own due diligence. Property will not qualify for fha/va/usda financing due to the current condition of the mobile homes. Sold as is, cash only, no financing.

16. 2026-02-23
    price $65,000 580-char remark

    Show marketing remark (580 chars)

    2 homes on . 44 acre lot on a paved street. Current properties are fixer uppers or buyer can remove the current homes and replace with new ones. Currently has one house built in 1950, and one mobile home built in 1965. Marion county website notes 2 wells and 2 septics on the property, seller does not have any records on functionality or condition. Investor owned, seller has no records on the property. Buyer to do their own due diligence. Property will not qualify for fha/va/usda financing due to the current condition of the mobile homes. Sold as is, cash only, no financing.

17. 2025-10-28
    price $70,000 580-char remark

    Show marketing remark (580 chars)

    2 homes on . 44 acre lot on a paved street. Current properties are fixer uppers or buyer can remove the current homes and replace with new ones. Currently has one house built in 1950, and one mobile home built in 1965. Marion county website notes 2 wells and 2 septics on the property, seller does not have any records on functionality or condition. Investor owned, seller has no records on the property. Buyer to do their own due diligence. Property will not qualify for fha/va/usda financing due to the current condition of the mobile homes. Sold as is, cash only, no financing.

18. 2025-10-02
    price $75,000 580-char remark

    Show marketing remark (580 chars)

    2 homes on . 44 acre lot on a paved street. Current properties are fixer uppers or buyer can remove the current homes and replace with new ones. Currently has one house built in 1950, and one mobile home built in 1965. Marion county website notes 2 wells and 2 septics on the property, seller does not have any records on functionality or condition. Investor owned, seller has no records on the property. Buyer to do their own due diligence. Property will not qualify for fha/va/usda financing due to the current condition of the mobile homes. Sold as is, cash only, no financing.

19. 2025-09-20
    listed $80,000 Active 580-char remark

    Show marketing remark (580 chars)

    2 homes on . 44 acre lot on a paved street. Current properties are fixer uppers or buyer can remove the current homes and replace with new ones. Currently has one house built in 1950, and one mobile home built in 1965. Marion county website notes 2 wells and 2 septics on the property, seller does not have any records on functionality or condition. Investor owned, seller has no records on the property. Buyer to do their own due diligence. Property will not qualify for fha/va/usda financing due to the current condition of the mobile homes. Sold as is, cash only, no financing.

ⓘ 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: $1,013 · $84/mo
• Projected year-2 tax: $1,013 · $84/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 4/10 Moderate FEMA zone X (unshaded) · 24% chance over 30 yrs
• 🔥 Wildfire 6/10 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 2 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,505
• − Mortgage interest: −$3,361
• − Property taxes: −$1,013
• − Insurance: −$300
• − Repairs & maintenance: −$1,640
• − Management: −$1,640
• − Depreciation: −$1,745
• Taxable income: $10,805
• Est. tax owed @ 24.0%: −$2,593
• After-tax cash flow: $8,517/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 — McIntosh

• Score: 65/100
• State rank: #632
• US rank: #12401

Category grades

Amenities F Commute F Cost of living A+ Crime C+ Employment C+ Housing A+ Health & safety D User ratings A

Schools grade is shown separately in the Schools card above.

Census & demographics

• City population: 408
• Population (ZIP): 5,531

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 0.56)
• Race & ethnicity: White 59% Black 29% Two or more races 8% Hispanic / Latino 7%
• Hispanic origin (detail): Puerto Rican 2% Cuban 3%
• Common ancestry: Italian 2% Iranian 2% Slovak 1%
• Foreign-born: 8% · Canada, Jamaica, China
• Languages at home: 92% English-only · Spanish 7% 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: ▼ -26.99%
• Current HPI: 269.4566
• Rent YoY: —
• Metro: —
• 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

-25.0% since first listed

5 events — show timeline

• 2026-04-22 Price Changed $60,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-23 Price Changed $65,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-28 Price Changed $70,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-02 Price Changed $75,000 Stellar MLS as Distributed by MLS Grid
• 2025-09-20 Listed $80,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+6.2%/yr

Latest (2025): $1,013 · +72.0% YoY. Source: county tax records.