10185 SE 175th Ln · The Villages, FL 34491

$240,000

2 bd · 2.0 ba · 1,982 sqft · SingleFamily public records · 314 Days on market

Built 1990 0.28 ac lot $121/sqft · 8% below area Est $260k · 8% under $171/mo HOA · 8% 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 +12.0/30.0
• ARV discount +11.0/15.0
• 1% rule +3.7/10.0
• Schools +3.6/10.0
• DSCR +3.5/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

Key facts

• Large center island
• Open-concept kitchen
• Ensuite bath

Tags

• OWNER'S SUITE
• ENSUITE BATH
• ATTACHED BONUS ROOM
• OPEN-CONCEPT KITCHEN
• GRANITE COUNTERTOPS
• LARGE CENTER ISLAND

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-59 ($-710/yr) — negative.
• To cash-flow at today's rent, offer at most $230k (4.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $210k (12.6% below list).
• Recommended offer: $210k (12.6% below list) — sets the bar for 1% rule.
• Cap rate 6.0% vs local median 5.0% in The Villages — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads 70/100 on livability (#431 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A, employment B+; Watch: amenities F, commute F, health & safety 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.
• Zoned schools: Stanton-Weirsdale Elementary School (math 42% / reading 36%, grade F, #1,560 of 2,144 statewide, top 73%, 544 students, 70% FRL); Lake Weir Middle School (math 37% / reading 33%, grade F, #416 of 571 statewide, top 74%, 1,207 students, 76% FRL); Belleview High School (math 31% / reading 46%, grade F, #321 of 667 statewide, top 49%, 1,783 students, 56% FRL).
• Market conditions: 713 active listings in the ZIP; 14 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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 38% of the median local income ($67k/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 $7k 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 314 days — a 12% lower offer ($211k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 14y ago; this cycle's ask has dropped $35k (13%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $179k; 34% 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; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $209,679 (12.6% 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 314 days. Have you received any prior offers? Is the seller open to a 13% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. 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?
8. 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.
9. 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.
10. 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: 0.87% ✗
• Cap rate: 6.00%
• Cash-on-cash: -1.06%
• DSCR: 0.95
• GRM: 9.5

CMA / ARV

• ARV (median comp): $260,137
• List price: $240,000
• Delta: -7.74%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9853 SE 175th Pl	0.36mi	3/2.0 (+1)	1,872 (-6%)	12mo	$262,500	$140	58
9835 SE 176th St	0.38mi	3/2.0 (+1)	2,092 (+6%)	23mo	$284,900	$136	49
17951 SE 96th Ave	0.65mi	3/2.0 (+1)	1,766 (-11%)	5mo	$235,000	$133	43
9492 SE 173rd Ln	0.74mi	3/2.0 (+1)	1,758 (-11%)	4mo	$283,000	$161	38

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: -18.0%
• Equity multiple: 0.37×
• Total profit: $-42,593
• Equity at exit: $35,785

10-year hold

• IRR: -10.2%
• Equity multiple: 0.38×
• Total profit: $-41,672
• Equity at exit: $20,751

Cash invested: $67,200 (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 →

ZIP-level market 34491

• Home prices YoY: -35.0%
• Active inventory: 713
• Price-to-rent: 9.5×

Monthly cashflow live

• Estimated rent: $2,097 high
• Mortgage (P&I): −$1,259
• Tax from tax record: −$186 /mo · $2,233/yr
• Insurance: −$100
• HOA: −$171
• Vacancy / Maint / Mgmt: −$440
• Net cashflow: $-59

Break-even live

Break-even rent $2,172

Max offer price $229,545

Occupancy floor 98%

Sensitivity live

Price	-10% $77	-5% $9	+0% $-59	+5% $-127	+10% $-195
Rent	-10% $-225	-5% $-142	+0% $-59	+5% $24	+10% $106
Rate	-1.0pp $62	-0.5pp $2	base $-59	+0.5pp $-121	+1.0pp $-185

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: $60,000
• Closing costs: $7,200
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10397 SE 176th St Summerfield, FL	2.0	2.0	1296	$2,150	$1.66	23d	1	0.19mi
17582 SE 96th Ct Summerfield, FL	2.0	2.0	1652	$1,750	$1.06	23d	1	0.57mi
17199 SE 97th Ter Summerfield, FL	3.0	2.0	1404	$1,990	$1.42	23d	1	0.62mi
17713 SE 95th Cir Summerfield, FL	3.0	2.0	1450	$2,000	$1.38	23d	1	0.69mi
17522 SE 95th Cir Summerfield, FL	2.0	2.0	1884	$1,875	$1.00	23d	1	0.71mi
11025 SE 174th Loop Summerfield, FL	3.0	2.0	2377	$2,200	$0.93	23d	1	1.00mi
9523 SE 168th Maplesong Ln The Villages, FL	3.0	2.0	1265	$1,975	$1.56	23d	1	1.07mi
13957 County Road 109D Lady Lake, FL	2.0	2.0	1482	$1,650	$1.11	23d	1	1.08mi
13904 County Road 109D Lady Lake, FL	3.0	2.0	1568	$1,550	$0.99	23d	1	1.09mi
1505 Doria Ln Lady Lake, FL	3.0	2.0	2048	$3,500	$1.71	23d	1	1.15mi
1377 Camero Dr Lady Lake, FL	3.0	2.0	1462	$5,500	$3.76	23d	1	1.34mi
17817 SE 115th Ct Unit 1 Summerfield, FL	3.0	2.0	2144	$2,300	$1.07	23d	1	1.43mi
10326 SE 162nd Place Rd Summerfield, FL	3.0	2.0	1419	$2,300	$1.62	15d	1	1.44mi
2006 Cardona Way Lady Lake, FL	2.0	2.0	1428	$3,900	$2.73	23d	1	1.46mi

HOA detail

• Monthly dues: $171 · $2,052/yr
• Likely covers: poolgym

Listing history 37 events

1. 2026-06-17
   status $240,000 Pending 314 DOM
2. 2026-06-17
   days on market $240,000 Active 314 DOM
3. 2026-06-16
   days on market $240,000 Active 313 DOM
4. 2026-06-15
   days on market $240,000 Active 312 DOM
5. 2026-06-14
   days on market $240,000 Active 310 DOM
6. 2026-06-13
   days on market $240,000 Active 309 DOM
7. 2026-06-10
   days on market $240,000 Active 307 DOM
8. 2026-06-09
   days on market $240,000 Active 306 DOM
9. 2026-06-08
   days on market $240,000 Active 305 DOM
10. 2026-06-07
    days on market $240,000 Active 304 DOM
11. 2026-06-03
    days on market $240,000 Active 300 DOM
12. 2026-06-02
    days on market $240,000 Active 299 DOM
13. 2026-05-31
    days on market $240,000 Active 297 DOM
14. 2026-05-30
    status $240,000 Active 296 DOM
15. 2026-04-15
    price $240,000 1376-char remark

    Show marketing remark (1376 chars)

    Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

16. 2026-02-06
    status Active 1376-char remark

    Show marketing remark (1376 chars)

    Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

17. 2026-02-02
    status Pending 1376-char remark

    Show marketing remark (1376 chars)

    Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

18. 2026-01-30
    status Active 1376-char remark

    Show marketing remark (1376 chars)

    Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

19. 2026-01-09
    status Pending 1376-char remark

    Show marketing remark (1376 chars)

    Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

20. 2026-01-05
    price $249,500 1376-char remark

    Show marketing remark (1376 chars)

    Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

21. 2025-11-13
    price $259,000 1376-char remark

    Show marketing remark (1376 chars)

    Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

22. 2025-10-18
    price $269,500 1376-char remark

    Show marketing remark (1376 chars)

    Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

23. 2025-08-04
    price $274,500 1376-char remark

    Show marketing remark (1376 chars)

    Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

24. 2025-07-12
    listed $274,900 Active 1376-char remark

    Show marketing remark (1376 chars)

    Do not let this one pass you buy MOTIVATED SELLER – Charming & Move-In Ready! Welcome to this beautifully maintained 2-bedroom, 2.5-bath home, perfectly located on a quiet cul-de-sac in the desirable Spruce Creek South 55+ Golf Community. This spacious home boasts a large owner's suite with a well-appointed ensuite bath, offering the perfect retreat. The guest bedroom features an attached bonus room—ideal for a home office, hobby space, or additional guest accommodations for extended family. The open-concept kitchen is a chef’s dream with updated cabinetry, granite countertops, a large center island, and stainless steel appliances. Entertain effortlessly in the generous living and dining areas, or unwind in the family room, highlighted by stunning custom barn doors for added privacy when desired. Enjoy Florida living at its finest in the screened-in lanai, perfect for morning coffee or evening relaxation. The home also features an oversized 3-car garage, offering ample space for vehicles, golf carts, and storage. Community Amenities Include: Par 72 Golf Course Resort-style Pool & Hot Tub Tennis & Pickleball Courts Community Center with Gymnasium, Ballroom & Craft Rooms Don’t miss your opportunity to live in one of Florida’s premier active adult communities. Schedule your private showing today!

25. 2025-07-07
    historical
26. 2025-05-29
    price $274,900
27. 2025-03-24
    price $289,000
28. 2025-02-08
    price $299,900
29. 2025-01-31
    price $314,000
30. 2025-01-07
    listed $324,900 Active
31. 2018-06-06
    soldstatus $179,000
32. 2018-05-31
    soldstatus $179,000
33. 2018-05-31
    soldstatus $179,000
34. 2018-04-10
    listed $184,650
35. 2018-04-06
    listed $184,650
36. 2012-02-16
    listed $80,000
37. 1990-10-01
    soldstatus $73,800

ⓘ 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: $2,233 · $186/mo
• Projected year-2 tax: $2,233 · $186/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 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°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 · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,161
• − Mortgage interest: −$13,444
• − Property taxes: −$2,233
• − Insurance: −$1,200
• − Repairs & maintenance: −$2,013
• − Management: −$2,013
• − HOA: −$2,052
• − Depreciation: −$6,982
• Taxable loss: −$4,775
• Est. tax savings @ 24.0%: +$1,146
• After-tax cash flow: $436/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 — The Villages

• Score: 70/100
• State rank: #431
• US rank: #7363

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 83,973
• Metro: Ocala, FL
• Population (ZIP): 33,318
• Household income: $66,679
• Rent vs Own: 13.2% rent · 86.8% own
• Severe rent burden: 256.0

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 (77%)
• Race & ethnicity: White 77% Hispanic / Latino 14% Two or more races 9% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 1%
• Common ancestry: Lithuanian 3% Slovak 2% Romanian 2%
• Foreign-born: 8% · Canada, Vietnam, Jamaica
• Languages at home: 85% English-only · Spanish 11% Vietnamese 1% French/Haitian/Cajun 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: ▼ -107.67%
• Current HPI: 200.0792
• 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

+225.2% since first listed

23 events — show timeline

• 2026-04-15 Price Changed $240,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-06 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-30 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-09 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-05 Price Changed $249,500 Stellar MLS as Distributed by MLS Grid
• 2025-11-13 Price Changed $259,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-18 Price Changed $269,500 Stellar MLS as Distributed by MLS Grid
• 2025-08-04 Price Changed $274,500 Stellar MLS as Distributed by MLS Grid
• 2025-07-12 Listed $274,900 Stellar MLS as Distributed by MLS Grid
• 2025-07-07 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-05-29 Price Changed $274,900 Stellar MLS as Distributed by MLS Grid
• 2025-03-24 Price Changed $289,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-08 Price Changed $299,900 Stellar MLS as Distributed by MLS Grid
• 2025-01-31 Price Changed $314,000 Stellar MLS as Distributed by MLS Grid
• 2025-01-07 Listed $324,900 Stellar MLS as Distributed by MLS Grid
• 2018-06-06 Sold (Public Records) $179,000 Public Records
• 2018-05-31 Sold (MLS) $179,000 Stellar MLS as Distributed by MLS Grid
• 2018-05-31 Sold (MLS) $179,000 Stellar MLS as Distributed by MLS Grid
• 2018-04-10 Listed $184,650 Stellar MLS as Distributed by MLS Grid
• 2018-04-06 Listed $184,650 Stellar MLS as Distributed by MLS Grid
• 2012-02-16 Listed $80,000 Stellar MLS as Distributed by MLS Grid
• 1990-10-01 Sold (Public Records) $73,800 Public Records

Property tax history

+5.6%/yr

Latest (2025): $2,233 · +12.3% YoY. Source: county tax records.