48 Banyan Dr · Silver Springs Shores, FL 34472

$225,000

3 bd · 2.0 ba · 1,347 sqft · SingleFamily public records · 6 Days on market

Built 2021 10,125 sqft lot Est $245k · 8% under

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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).

• ARV discount +11.2/15.0
• Appreciation +8.0/10.0
• Cash flow +7.4/30.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• 1% rule +2.5/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.5/10.0

Listing remarks

Discover this charming and comfortable 3-bedroom, 2-bath block home, perfectly situated for those seeking both convenience and an active lifestyle. Located just moments away from the scenic Greenway, this property offers unparalleled access to outdoor recreation, including walking, biking, and jogging trails right at your doorstep. The home features a durable and low-maintenance block construction, providing both energy efficiency and peace of mind. Its thoughtful floor plan maximizes living space, creating a warm and inviting atmosphere ideal for both daily relaxation and entertaining. This rare combination of a peaceful, nature-adjacent setting and easy connectivity makes this home a

Key facts

• Block home
• Outdoor recreation
• Scenic greenway

Tags

• BLOCK HOME
• SCENIC GREENWAY
• OUTDOOR RECREATION
• WALKING BIKING JOGGING TRAILS
• ENERGY EFFICIENCY
• THOUGHTFUL FLOOR PLAN

Property features AI

Finance

• Other: Property type: Residential — Single Family Residence; Zoning: R1; Living area reported as 1,348 sq ft; total building area reported as 1,897 sq ft; Property listed as unfurnished; Directions: Travel east on SE Maricamp Rd to Baseline Rd. Turn left to Banyan and follow to Banyan Dr, house #48
• HOA & community: No HOA/association indicated; Pets not allowed

Exterior

• Parking: Attached garage with 2 car spaces
• Utilities: Well water; Septic tank sewer; Electricity connected
• Home design: Single-family residence; One story; Northwest facing
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Completed condition; Built on approximately 0.23 acres (81 x 125 lot)
• Exterior features: Sliding doors; Asphalt road access (publicly maintained)

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: Three bedrooms
• Flooring: Carpet; Tile
• Bathrooms: Two full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans; Walk-in closets; Five total rooms
• Laundry & utility: Laundry area in the garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $225k.

Deal economics

• At list price, monthly cash flow is $-293 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $173k (23.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $168k (25.5% below list).
• Recommended offer: $168k (25.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#527 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: crime C-, employment D, schools 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 flat; 674 active listings in the ZIP; 17 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 31% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $15k of equity ($2k loan paydown + $13k appreciation (5.9% local appreciation)).
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 3, paydown + projected appreciation supports a ~$37k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 6 days on market — expect competitive offers; lowballing is unlikely to land.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $167,664 (25.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
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: 0.75% ✗
• Cap rate: 4.73%
• Cash-on-cash: -5.58%
• DSCR: 0.75
• GRM: 11.2

CMA / ARV

• ARV (on-the-fly): $245,154
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6 Almond Trce	0.17mi	3/2.0	1,307 (-3%)	2mo	$230,000	$176	85
7 Banyan Course Run	0.26mi	3/2.0	1,411 (+5%)	1mo	$222,000	$157	79
7 Almond Trail Ln	0.26mi	3/2.0	1,397 (+4%)	10mo	$254,500	$182	73
70 Almond Pass Dr	0.29mi	3/2.0	1,309 (-3%)	12mo	$235,000	$180	72
156 Pecan Dr	0.68mi	3/2.0	1,390 (+3%)	5mo	$250,000	$180	59
51 Almond Rd	0.61mi	3/2.0	1,381 (+2%)	14mo	$253,000	$183	56
131 Pecan Pass	0.57mi	3/2.0	1,421 (+6%)	12mo	$245,000	$172	54
66 Teak Loop	0.42mi	3/2.0	1,471 (+9%)	16mo	$310,000	$211	52
83 Almond Rd	0.41mi	3/2.0	1,472 (+9%)	17mo	$270,000	$183	51
5720 SE 22nd Pl	0.73mi	3/2.0	1,276 (-5%)	13mo	$245,750	$193	47
7 Banyan Crse	0.68mi	3/2.0	1,473 (+9%)	18mo	$275,000	$187	38
109 Pecan Pass	0.56mi	4/2.0 (+1)	1,529 (+14%)	14mo	$249,000	$163	34

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

5.93% appreciation · 0.17% rent growth · sell at horizon

5-year hold

• IRR: 9.7%
• Equity multiple: 1.65×
• Total profit: $40,826
• Equity at exit: $140,486

10-year hold

• IRR: 10.2%
• Equity multiple: 3.01×
• Total profit: $126,668
• Equity at exit: $253,942

Cash invested: $63,000 (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 34472

• Home prices YoY: 2.4%
• Rents YoY: 0.2%
• Active inventory: 674
• Price-to-rent: 11.2×

Monthly cashflow live

• Estimated rent: $1,677 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$344 /mo · $4,126/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$352
• Net cashflow: $-293

Break-even live

Break-even rent $2,047

Max offer price $173,252

Occupancy floor —

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9 Banyan Course Run Ocala, FL	3.0	2.0	1345	$1,599	$1.19	21d	1	0.28mi
62 Teak Loop Ocala, FL	3.0	1.0	1018	$1,450	$1.42	14d	1	0.40mi
5370 SE 30th Pl Unit Greenfields C Ocala, FL	2.0	2.0	1000	$1,150	$1.15	21d	1	0.73mi
5614 Pecan Rd Ocala, FL	3.0	2.0	1337	$1,595	$1.19	21d	1	0.78mi
6688 Cherry Rd Ocala, FL	3.0	2.0	1270	$1,950	$1.54	14d	1	0.79mi
19 Pecan Pass Ter Ocala, FL	3.0	2.0	1368	$1,750	$1.28	21d	1	0.84mi
9 Teak Way Dr Ocala, FL	3.0	2.0	1352	$1,800	$1.33	14d	1	0.89mi
5230 SE 31st St Unit Whispering Sands D Ocala, FL	2.0	1.5	1000	$1,050	$1.05	21d	1	0.92mi
5200 SE 31st St Unit D Ocala, FL	2.0	1.5	945	$1,250	$1.32	21d	1	0.94mi
13 Redwood Trace Ln Ocala, FL	3.0	2.0	1337	$1,595	$1.19	21d	1	1.03mi
5011 SE 29th St Apt C Ocala, FL	2.0	1.0	1000	$990	$0.99	14d	1	1.07mi
36 Pecan Run Crse Ocala, FL	3.0	2.0	1188	$1,850	$1.56	14d	1	1.08mi
1503 Peachtree Ln Ocala, FL	2.0	2.0	1152	$1,450	$1.26	21d	1	1.15mi
96 Redwood Rd Ocala, FL	3.0	2.0	1188	$1,650	$1.39	14d	1	1.18mi
106 Redwood Track Crse Ocala, FL	3.0	2.0	1412	$1,675	$1.19	14d	1	1.32mi
45 Redwood Run Ocala, FL	3.0	2.0	1435	$1,695	$1.18	21d	1	1.45mi
4549 SE 25th Loop Ocala, FL	3.0	2.0	1490	$1,850	$1.24	21d	1	1.47mi

Listing history 2 events

1. 2026-05-09
   status Pending
2. 2026-05-02
   listed $225,000 Active

ⓘ 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: $4,126 · $344/mo
• Projected year-2 tax: $4,126 · $344/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,120
• − Mortgage interest: −$12,603
• − Property taxes: −$4,126
• − Insurance: −$1,125
• − Repairs & maintenance: −$1,610
• − Management: −$1,610
• − Depreciation: −$6,545
• Taxable loss: −$7,499
• Est. tax savings @ 24.0%: +$1,800
• After-tax cash flow: $-1,715/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 — Silver Springs Shores

• Score: 68/100
• State rank: #527
• US rank: #9854

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 34,665
• Metro: Ocala, FL
• Population (ZIP): 35,851
• Household income: $64,208
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 655.0

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 0.65)
• Race & ethnicity: White 50% Hispanic / Latino 25% Black 21% Two or more races 18% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 14% Cuban 3%
• Common ancestry: Romanian 2% Iranian 1% Lithuanian 1%
• Foreign-born: 11% · Canada, Jamaica, China
• Languages at home: 78% English-only · Spanish 19% 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: ▲ 5.93%
• Current HPI: 255.0714
• Rent YoY: ▲ 0.17%
• 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

2 events — show timeline

• 2026-05-09 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-02 Listed $225,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+34.8%/yr

Latest (2025): $4,126 · +13.2% YoY. Source: county tax records.