8339 SW 41st Ter · Liberty Triangle, FL 34476

$290,140

3 bd · 2.0 ba · 1,487 sqft · SingleFamily · 52 Days on market

Built 2026 Excellent condition 5,662 sqft lot Garage $195/sqft · at area comps Est $301k · at est. $74/mo HOA · 3% of rent

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Why this score? — see what drove the F 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 +9.1/15.0
• Cash flow +7.2/30.0
• Condition / age +5.0/5.0
• Schools +4.7/10.0
• Livability +2.5/5.0
• 1% rule +2.3/10.0
• Rent growth +1.9/5.0
• DSCR +1.3/10.0
• Appreciation +0.0/10.0

Listing remarks

This new single-story home maximizes space and emphasizes convenience. The open-concept layout integrates the family room, dining room and kitchen with a central island, facilitating effortless transitions between rooms for easy entertaining during gatherings. On the opposite side of the home are all three bedrooms, including the peaceful owner’s suite with an attached bathroom and walk-in closet.

Key facts

• 5,662 sq ft lot
• 2 garage spots
• Built 2026

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $290k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-404 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $232k (20.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $212k (26.9% below list).
• Recommended offer: $212k (26.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade F — 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); 1071 active listings in the ZIP; 19 comparable units currently listed for rent nearby; rentals lingering (median 63d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% 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 39% 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 $2k of loan paydown is wiped out by about $9k 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 52 days — a 3% lower offer ($281k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $212,066 (26.9% 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. It's been on market 52 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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: 0.73% ✗
• Cap rate: 4.62%
• Cash-on-cash: -5.96%
• DSCR: 0.73
• GRM: 11.4

CMA / ARV

• ARV (median comp): $300,764
• List price: $290,140
• Delta: -3.53%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
8339 SW 41st Ter	0.00mi	3/2.0	1,487 (0%)	1mo	$290,140	$195	99
4255 SW 82nd Ln	0.26mi	3/2.0	1,487 (0%)	2mo	$272,900	$184	86
8092 SW 44th Ter	0.40mi	3/2.0	1,429 (-4%)	0mo	$240,000	$168	75
8618 SW 46th Ave	0.52mi	3/2.0	1,504 (+1%)	4mo	$250,000	$166	71
8203 SW 45th Ct	0.44mi	3/2.0	1,428 (-4%)	4mo	$245,000	$172	70
8494 SW 41st Cir	0.11mi	3/2.0	1,264 (-15%)	2mo	$128,000	$101	68
4263 SW 82nd Ln	0.15mi	3/2.0	1,263 (-15%)	4mo	$321,140	$254	64
4471 SW 82nd Loop	0.29mi	3/2.0	1,696 (+14%)	0mo	$316,000	$186	63
8112 SW 44th Ter	0.40mi	3/2.0	1,263 (-15%)	1mo	$261,140	$207	56
7773 SW 46th Ct	0.67mi	4/2.0 (+1)	1,560 (+5%)	1mo	$255,000	$163	54
7725 SW 46th Ct	0.69mi	4/2.0 (+1)	1,560 (+5%)	1mo	$259,990	$167	53
7701 SW 46th Ct	0.71mi	4/2.0 (+1)	1,560 (+5%)	2mo	$260,990	$167	52

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: -30.0%
• Equity multiple: 0.03×
• Total profit: $-78,869
• Equity at exit: $43,261

10-year hold

• IRR: -51.8%
• Equity multiple: -0.54×
• Total profit: $-125,495
• Equity at exit: $25,086

Cash invested: $81,239 (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: 65 active · 39 under contract
• Months of supply: 10.8 mo (9%/mo absorbed)
• Median asking: $275,990 ($177/sqft)
• Median days on market: 95 d
• This list price: 63% of active listings are priced below it
• ARV vs active asking: +14.4% above 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: 1071
• Price-to-rent: 11.4×

Monthly cashflow live

• Estimated rent: $2,121 high
• Mortgage (P&I): −$1,522
• Tax est. 1.5%: −$363 /mo · $4,352/yr
• Insurance: −$121
• HOA: −$74
• Vacancy / Maint / Mgmt: −$445
• Net cashflow: $-404

Break-even live

Break-even rent $2,632

Max offer price $231,714

Occupancy floor —

Sensitivity live

Price	-10% $-203	-5% $-304	+0% $-404	+5% $-504	+10% $-604
Rent	-10% $-571	-5% $-488	+0% $-404	+5% $-320	+10% $-236
Rate	-1.0pp $-258	-0.5pp $-330	base $-404	+0.5pp $-479	+1.0pp $-555

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: $72,535
• Closing costs: $8,704
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 19 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8320 SW 41st Ter Ocala, FL	3.0	2.0	1841	$2,300	$1.25	63d	1	0.04mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	63d	1	0.37mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	63d	1	0.37mi
8665 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	70d	1	0.41mi
4643 SW 84th Street Rd Ocala, FL	3.0	2.0	1663	$1,925	$1.16	63d	1	0.45mi
4703 SW 85th Pl Ocala, FL	4.0	2.0	1828	$2,500	$1.37	63d	1	0.53mi
8609 SW 46th Ter Ocala, FL	3.0	2.0	1670	$2,400	$1.44	63d	1	0.54mi
4915 SW 81st St Ocala, FL	3.0	2.5	1707	$1,795	$1.05	63d	1	0.59mi
4939 SW 81st Loop Ocala, FL	3.0	2.5	1828	$1,750	$0.96	63d	1	0.61mi
4828 SW 86th Ln Ocala, FL	3.0	2.0	1672	$1,950	$1.17	70d	1	0.74mi
4697 SW 89th St Ocala, FL	4.0	2.0	1848	$2,150	$1.16	63d	1	0.76mi
9109 SW 45th Ter Ocala, FL	4.0	2.0	1828	$2,150	$1.18	63d	1	0.88mi
8780 SW 49th Cir Ocala, FL	3.0	2.0	1672	$1,900	$1.14	70d	1	1.05mi
8940 SW 50th Ter Ocala, FL	4.0	2.0	1827	$2,195	$1.20	70d	1	1.05mi
8792 SW 49th Cir Ocala, FL	4.0	2.0	1498	$1,850	$1.23	70d	1	1.06mi
7177 SW 92nd St Ocala, FL	3.0	2.5	1410	$1,850	$1.31	70d	1	1.15mi
8880 SW 27th Ave Ocala, FL	2.0–3.0	2.0	1178	$1,399	$1.19	70d	1	1.21mi
7194 SW 91st Ln Ocala, FL	4.0	2.5	1571	$1,950	$1.24	70d	1	1.24mi
4296 SW 98th St Ocala, FL	3.0	2.0	1607	$1,700	$1.06	70d	1	1.48mi

Property features AI

Finance

• Other: Property type: Residential, single-family residenceZoning: PUDLot size about 0.13 acres (approximately 65 x 110)Living area reported by builder: 1,487 (builder source); total building area 1,938CDD: Yes
• HOA & community: HOA: Aretemis LifestyleHOA required; $447 semi-annually (approx. $74.50 per month)Pets allowed

Exterior

• Parking: Attached garage with 2 spaces
• Utilities: Public waterPublic sewerPublic utilities
• Home design: Single-family residenceOne storyNew constructionNorth-facing
• Construction: Cement siding and frame constructionShingle roofSlab foundationBuilt by Lennar Homes (Bloom model)
• Exterior features: Paved road access65 x 110 lot dimensions

Interior

• Kitchen: DishwasherDisposalMicrowaveRange
• Bedrooms: 3 bedrooms
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heat pump heatingCentral air conditioning
• Interior features: Walk-in closet(s)Sliding doors
• Laundry & utility: Laundry room

Listing history 28 events

1. 2026-06-28
   days on market $290,140 Active 52 DOM
2. 2026-06-28
   days on market $290,140 Active 51 DOM
3. 2026-06-27
   days on market $290,140 Active 50 DOM
4. 2026-06-25
   days on market $290,140 Active 48 DOM
5. 2026-06-23
   days on market $290,140 Active 46 DOM
6. 2026-06-21
   days on market $290,140 Active 45 DOM
7. 2026-06-18
   days on market $290,140 Active 42 DOM
8. 2026-06-17
   days on market $290,140 Active 41 DOM
9. 2026-06-16
   days on market $290,140 Active 40 DOM
10. 2026-06-15
    days on market $290,140 Active 39 DOM
11. 2026-06-14
    days on market $290,140 Active 37 DOM
12. 2026-06-13
    days on market $290,140 Active 36 DOM
13. 2026-06-10
    days on market $290,140 Active 34 DOM
14. 2026-06-09
    days on market $290,140 Active 33 DOM
15. 2026-06-08
    days on market $290,140 Active 32 DOM
16. 2026-06-07
    days on market $290,140 Active 31 DOM
17. 2026-06-03
    days on market $290,140 Active 27 DOM
18. 2026-06-02
    days on market $290,140 Active 26 DOM
19. 2026-06-01
    days on market $290,140 Active 25 DOM
20. 2026-05-31
    days on market $290,140 Active 24 DOM
21. 2026-05-30
    days on market $290,140 Active 23 DOM
22. 2026-05-13
    price $290,140 406-char remark
23. 2026-05-12
    price $290,140 400-char remark
24. 2026-05-07
    listed $272,990 Active 406-char remark
25. 2026-05-05
    status Active 400-char remark
26. 2026-05-05
    price $272,990 400-char remark
27. 2026-03-25
    historical 400-char remark
28. 2026-03-22
    listed $300,050 Active 400-char remark

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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 6 d/yr ≥108°F today · 17 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,448
• − Mortgage interest: −$16,252
• − Property taxes: −$4,352
• − Insurance: −$1,451
• − Repairs & maintenance: −$2,036
• − Management: −$2,036
• − HOA: −$888
• − Depreciation: −$8,440
• Taxable loss: −$10,007
• Est. tax savings @ 24.0%: +$2,402
• After-tax cash flow: $-2,443/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 · 10 photos

Excellent 100/100 None rehab

This new single-story home is in excellent condition with no visible repairs or maintenance needed. It offers a good ROI with updates that can further enhance its curb appeal and value.

Value-add opportunities

• Both Paint exterior siding — Enhances curb appeal and value ↑
• Both Install smart home security system — Improves safety and adds modern touch ↑
• Both Add landscaping around front door — Enhances curb appeal and adds value ↑

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

Property features AI

Finance

• Other: Property type: Residential, single-family residenceZoning: PUDLot size about 0.13 acres (approximately 65 x 110)Living area reported by builder: 1,487 (builder source); total building area 1,938CDD: Yes
• HOA & community: HOA: Aretemis LifestyleHOA required; $447 semi-annually (approx. $74.50 per month)Pets allowed

Exterior

• Parking: Attached garage with 2 spaces
• Utilities: Public waterPublic sewerPublic utilities
• Home design: Single-family residenceOne storyNew constructionNorth-facing
• Construction: Cement siding and frame constructionShingle roofSlab foundationBuilt by Lennar Homes (Bloom model)
• Exterior features: Paved road access65 x 110 lot dimensions

Interior

• Kitchen: DishwasherDisposalMicrowaveRange
• Bedrooms: 3 bedrooms
• Flooring: Carpet
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heat pump heatingCentral air conditioning
• Interior features: Walk-in closet(s)Sliding doors
• Laundry & utility: Laundry room

Price history

+6.3% since first listed

2 events — show timeline

• 2026-05-13 Price Changed $290,140 Stellar MLS as Distributed by MLS Grid
• 2026-05-07 Listed $272,990 Stellar MLS as Distributed by MLS Grid