17431 SE 35th Ln · Silver Springs Shores East, FL 32179

$110,000

3 bd · 2.0 ba · 1,400 sqft · SingleFamily public records · 125 Days on market

Built 1972 0.48 ac lot

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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
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Big 750 Acre Lake Access Getaway! Spacious 1400 Sq Ft 3/2 frame home located in the Ocala National Forest. Home sits on two big paved road chain link fenced lots (. 48 acre), just one block from 750 acre Lake Bryant with access to boat ramp & pavilion. Home is dated but seller states the following are 10 years old: Roof, water pump & tank, and central A/C & heat. Outside electric breaker also updated. Includes 4 carports, , 8x12 shed & 12x16 shed. Hurry don't miss this one!

Key facts

• Great natural light
• Split floor plan
• Carport

Tags

• SPLIT FLOOR PLAN
• LARGE KITCHEN
• AMPLE CABINET SPACE
• GENEROUS LIVING ROOM
• GREAT NATURAL LIGHT
• CARPORT

Property features AI

Finance

• Other: Lot dimensions approximately 85 x 125 (0.48 acres / 1/4 to less than 1/2 acre)
• HOA & community: No association

Exterior

• Parking: Carport (1 space)
• Utilities: Private utilities; Well water; Septic tank
• Home design: Single family residence; One-story; Faces south; Residential zoning (R4); Has additional parcels; Homestead exempt
• Construction: Metal siding; Shingle roof; Block foundation; Built area approximately 1,400 (public records)
• Exterior features: Concrete road access; Other exterior features

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Eat-in kitchen; Kitchen and family room combo; Split bedroom floorplan
• Laundry & utility: Washer hookup; Electric dryer hookup; Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $110k.

Deal economics

• At list price, monthly cash flow is $652 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $110k).
• Recommended offer: $97k (12.0% below list) — sets the bar for market timing.
• Cap rate 13.4% vs local median 5.2% in Silver Springs Shores East — 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 B — 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: East Marion Elementary School (math 29% / reading 37%, grade F, #1,773 of 2,144 statewide, top 83%, 620 students, 79% FRL); Lake Weir High School (math 23% / reading 34%, grade F, #458 of 667 statewide, top 69%, 1,483 students, 68% FRL).
• Market conditions: 426 active listings in the ZIP; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• At $1,767/mo this rent would consume 46% of the median local household income ($47k/yr) (locally 303% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $761 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 + 3.0% rent growth), your $31k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 125 days — a 12% lower offer ($97k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 13y ago; this cycle's ask has dropped $30k (21%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $75k; 47% 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; major 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 $96,800 (12.0% below list)

Questions for the listing agent

1. It's been on market 125 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 1972 — 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: 1.61% ✓
• Cap rate: 13.40%
• Cash-on-cash: 25.39%
• DSCR: 2.13
• GRM: 5.2

CMA / ARV

• ARV (on-the-fly): $231,000
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2750 SE 179th Ave	0.69mi	3/2.5	1,481 (+6%)	7mo	$245,000	$165	50

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 19.0%
• Equity multiple: 1.77×
• Total profit: $23,701
• Equity at exit: $16,401

10-year hold

• IRR: 27.3%
• Equity multiple: 3.41×
• Total profit: $74,157
• Equity at exit: $9,511

Cash invested: $30,800 (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 32179

• Home prices YoY: -18.3%
• Active inventory: 426
• Price-to-rent: 5.2×

Monthly cashflow live

• Estimated rent: $1,767 medium
• Mortgage (P&I): −$577
• Tax from tax record: −$122 /mo · $1,461/yr
• Insurance: −$46
• HOA: −$0
• Vacancy / Maint / Mgmt: −$371
• Net cashflow: $652

Break-even live

Break-even rent $942

Max offer price $110,000

Occupancy floor 58%

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: $27,500
• Closing costs: $3,300
• Reserves months: —
• Total cash needed: —

Listing history 7 events

1. 2026-06-18
   days on market $110,000 Active 125 DOM
2. 2026-06-17
   days on market $110,000 Active 124 DOM
3. 2026-06-16
   days on market $110,000 Active 123 DOM
4. 2026-06-15
   days on market $110,000 Active 122 DOM
5. 2026-06-14
   days on market $110,000 Active 120 DOM
6. 2026-06-13
   remarks 687-char remark
7. 2026-06-13
   listed $110,000 Active 119 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: $1,461 · $122/mo
• Projected year-2 tax: $1,461 · $122/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 7/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 22 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: $21,208
• − Mortgage interest: −$6,162
• − Property taxes: −$1,461
• − Insurance: −$550
• − Repairs & maintenance: −$1,697
• − Management: −$1,697
• − Depreciation: −$3,200
• Taxable income: $6,442
• Est. tax owed @ 24.0%: −$1,546
• After-tax cash flow: $6,275/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 East

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• County: Marion County · 315,796 people
• Metro: Ocala, FL
• Population (ZIP): 9,318
• Household income: $46,512
• Rent vs Own: 17.6% rent · 82.4% own
• Severe rent burden: 303.0

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: Predominantly White (81%)
• Race & ethnicity: White 81% Two or more races 12% Hispanic / Latino 11%
• Hispanic origin (detail): Mexican 5% Puerto Rican 3% Cuban 3%
• Common ancestry: Slovak 4% Romanian 2% Lithuanian 2%
• Foreign-born: 5% · Canada
• Languages at home: 93% English-only · Spanish 7%

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: ▼ -54.21%
• Current HPI: 242.0408
• Rent YoY: —
• 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

+256.0% since first listed

11 events — show timeline

• 2026-06-12 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-06-12 Price Changed $110,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-02 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-03-01 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-11-03 Listed $139,900 Stellar MLS as Distributed by MLS Grid
• 2020-02-03 Sold (Public Records) $75,000 Public Records
• 2020-01-31 Sold (MLS) $75,000 Stellar MLS as Distributed by MLS Grid
• 2019-10-24 Listed $75,000 Stellar MLS as Distributed by MLS Grid
• 2013-07-16 Sold (MLS) $40,000 Stellar MLS as Distributed by MLS Grid
• 2013-05-08 Listed $43,500 Stellar MLS as Distributed by MLS Grid
• 1982-11-01 Sold (Public Records) $30,900 Public Records

Property tax history

+4.2%/yr

Latest (2025): $1,461 · +6.7% YoY. Source: county tax records.