8067 SW 135th Loop · Marion Oaks, FL 34473

$249,900

3 bd · 2.0 ba · 1,751 sqft · SingleFamily public records · 54 Days on market

Built 2005 10,019 sqft lot Est $287k · 13% 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).

• Cash flow +14.8/30.0
• ARV discount +13.3/15.0
• DSCR +4.5/10.0
• Schools +3.6/10.0
• 1% rule +3.1/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Very nicely maintained home with great curb appeal, split bedroom plan, and den w/ doors. Short Sale Home, subject to 3rd Party Approval. All measurements & square footage is per the Property appraisers site, Buyer to do due diligence.

Key facts

• Privacy lot
• Screened back lanai
• Storage shed

Tags

• DEDICATED INDOOR LAUNDRY ROOM
• SCREENED BACK LANAI
• STORAGE SHED
• PRIVACY LOT
• TANKLESS WATER HEATER
• SOLAR PANELS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $250k.

Deal economics

• At list price, monthly cash flow is $70 ($834/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $203k (18.7% below list).
• Recommended offer: $203k (18.7% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 4.8% in Marion Oaks — 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 D — 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: Marion Oaks Elementary School (math 38% / reading 39%, grade F, #1,575 of 2,144 statewide, top 74%, 939 students, 65% FRL); Horizon Academy At Marion Oaks (math 37% / reading 36%, grade F, #405 of 571 statewide, top 72%, 1,067 students, 68% FRL); Dunnellon High School (math 30% / reading 32%, grade F, #429 of 667 statewide, top 65%, 1,350 students, 63% FRL) — zoned schools at 66% FRL track the district average.
• Market conditions: Rents soft (-0.7%/yr); 1376 active listings in the ZIP; 25 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 34% of the median local income ($72k/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 54 days — a 3% lower offer ($242k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 18y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $84k; list at $250k implies a 198% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; major wildfire risk; extreme-heat days projected 6→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $203,266 (18.7% below list)

Questions for the listing agent

1. It's been on market 54 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 0.81% ✗
• Cap rate: 6.63%
• Cash-on-cash: 1.19%
• DSCR: 1.05
• GRM: 10.2

CMA / ARV

• ARV (on-the-fly): $287,164
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
781 SW Marion Oaks Pass	0.19mi	3/2.0	1,614 (-8%)	3mo	$231,000	$143	76
13897 SW 80th Ave	0.25mi	4/2.0 (+1)	1,751 (0%)	11mo	$219,900	$126	74
13736 SW 81st Cir	0.38mi	4/2.0 (+1)	1,806 (+3%)	1mo	$269,990	$149	71
13130 SW 78th Cir	0.40mi	4/2.0 (+1)	1,806 (+3%)	11mo	$255,000	$141	62
8284 SW 138th Pl	0.22mi	4/2.0 (+1)	1,922 (+10%)	10mo	$313,000	$163	60
13145 SW 78th Cir	0.38mi	3/2.0	1,525 (-13%)	2mo	$275,000	$180	59
13806 SW 80th Ct	0.62mi	4/2.0 (+1)	1,828 (+4%)	2mo	$329,990	$181	57
8026 SW Hwy 484 #86	0.52mi	4/2.0 (+1)	1,833 (+5%)	8mo	$300,000	$164	56
13314 SW 78 Cir #121	0.71mi	4/2.0 (+1)	1,833 (+5%)	1mo	$300,000	$164	54
7985 SW 138th St	0.63mi	3/2.0	1,529 (-13%)	1mo	$290,000	$190	49
8718 SW 139th Place Rd #29	0.64mi	4/2.0 (+1)	1,833 (+5%)	12mo	$277,770	$152	48
12929 SW 82nd Avenue Rd	0.75mi	4/2.0 (+1)	1,627 (-7%)	14mo	$278,000	$171	36

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: -17.5%
• Equity multiple: 0.40×
• Total profit: $-42,109
• Equity at exit: $37,261

10-year hold

• IRR: -15.7%
• Equity multiple: 0.22×
• Total profit: $-54,338
• Equity at exit: $21,607

Cash invested: $69,972 (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 34473

• Home prices YoY: -16.8%
• Rents YoY: -0.7%
• Active inventory: 1376
• Price-to-rent: 10.2×

Monthly cashflow live

• Estimated rent: $2,033 high
• Mortgage (P&I): −$1,311
• Tax from tax record: −$122 /mo · $1,460/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$427
• Net cashflow: $70

Break-even live

Break-even rent $1,945

Max offer price $249,900

Occupancy floor 92%

Sensitivity live

Price	-10% $211	-5% $140	+0% $70	+5% $-1	+10% $-72
Rent	-10% $-91	-5% $-11	+0% $70	+5% $150	+10% $230
Rate	-1.0pp $195	-0.5pp $133	base $70	+0.5pp $5	+1.0pp $-61

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: $62,475
• Closing costs: $7,497
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7883 SW 138th Street Rd Ocala, FL	4.0	3.0	1865	$2,125	$1.14	23d	1	0.23mi
769 Marion Oaks Pass Ocala, FL	4.0	2.0	1696	$1,950	$1.15	15d	1	0.28mi
8427 SW 136th St Ocala, FL	3.0	2.0	1762	$2,095	$1.19	23d	1	0.34mi
8341 SW 135th Loop Ocala, FL	3.0	2.0	1623	$1,600	$0.99	23d	1	0.39mi
8398 SW 138th Pl Ocala, FL	3.0	2.0	1660	$1,900	$1.14	23d	1	0.40mi
13130 SW 78th Cir Ocala, FL	4.0	2.0	1816	$1,900	$1.05	15d	1	0.40mi
8070 SW 131st Ln Ocala, FL	3.0	2.0	1642	$2,400	$1.46	15d	1	0.47mi
13215 SW 77th Ave Ocala, FL	3.0	2.0	1315	$1,800	$1.37	15d	1	0.60mi
8713 SW 138th St Ocala, FL	3.0	2.0	1554	$1,950	$1.25	23d	1	0.65mi
13033 SW 82nd Avenue Rd Ocala, FL	3.0	2.0	1413	$1,895	$1.34	15d	1	0.68mi
13092 SW 84th Terrace Rd Ocala, FL	4.0	2.0	1800	$1,800	$1.00	23d	1	0.68mi
14576 SW 75th Cir Ocala, FL	3.0	2.0	1936	$1,945	$1.00	15d	1	0.90mi
8181 SW 128th Loop Ocala, FL	3.0	2.0	1402	$1,745	$1.24	15d	1	0.92mi
12847 SW 84th Terrace Rd Ocala, FL	3.0	2.0	1393	$1,850	$1.33	23d	1	0.93mi
7060 SW 131st Loop Ocala, FL	4.0	2.0	1787	$1,899	$1.06	15d	1	0.99mi
7146 SW 134th St Ocala, FL	3.0	2.0	1733	$1,600	$0.92	23d	1	1.00mi
13101 SW 72nd Terrace Rd Ocala, FL	4.0	3.0	2088	$2,250	$1.08	15d	1	1.02mi
7011 SW 136th Ln Ocala, FL	3.0	2.0	1670	$2,300	$1.38	15d	1	1.05mi
7052 SW 131st Loop Ocala, FL	3.0	2.0	1718	$1,550	$0.90	23d	1	1.05mi
8934 SW 135th Street Rd Ocala, FL	4.0	2.5	1824	$2,200	$1.21	23d	1	1.23mi
6872 SW 132nd Pl Ocala, FL	4.0	2.0	1774	$2,200	$1.24	23d	1	1.30mi
6872 SW 132nd St Ocala, FL	4.0	2.0	1774	$2,200	$1.24	23d	1	1.32mi
13205 SW 65th Cir Ocala, FL	4.0	3.0	1802	$2,200	$1.22	15d	1	1.39mi
6732 SW 132nd St Ocala, FL	4.0	2.0	1774	$1,950	$1.10	15d	1	1.43mi
820 Marion Oaks Mnr Ocala, FL	4.0	2.0	1747	$1,995	$1.14	23d	1	1.44mi

Listing history 8 events

1. 2026-04-24
   status Pending
2. 2026-04-16
   price $249,900
3. 2026-04-06
   status Active
4. 2026-04-02
   status Pending
5. 2026-02-25
   listed $255,075 Active
6. 2009-07-10
   soldstatus $84,000
7. 2009-06-22
   soldstatus $84,000 241-char remark

   Show marketing remark (241 chars)

   Very nicely maintained home with great curb appeal, split bedroom plan, and den w/ doors. Short Sale Home, subject to 3rd Party Approval. All measurements & square footage is per the Property appraisers site, Buyer to do due diligence.

8. 2008-12-02
   listed $95,000 241-char remark

   Show marketing remark (241 chars)

   Very nicely maintained home with great curb appeal, split bedroom plan, and den w/ doors. Short Sale Home, subject to 3rd Party Approval. All measurements & square footage is per the Property appraisers site, Buyer to do due diligence.

ⓘ 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: $1,460 · $122/mo
• Projected year-2 tax: $2,074 · $173/mo
• Expected delta: +$614/yr (+$51/mo · 42.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 72% chance over 30 yrs
• 🔥 Wildfire 6/10 Major
• 🌡 Heat 8/10 Severe 6 d/yr ≥107°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,392
• − Mortgage interest: −$13,998
• − Property taxes: −$1,460
• − Insurance: −$1,250
• − Repairs & maintenance: −$1,951
• − Management: −$1,951
• − Depreciation: −$7,270
• Taxable loss: −$3,488
• Est. tax savings @ 24.0%: +$837
• After-tax cash flow: $1,672/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 — Marion Oaks

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

Census & demographics

• Census place: Marion Oaks, FL
• County: Marion County · 315,796 people
• City population: 25,030
• Metro: Ocala, FL
• Population (ZIP): 26,813
• Household income: $72,366
• Rent vs Own: 21.5% rent · 78.5% own
• Severe rent burden: 228.0

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 0.69)
• Race & ethnicity: White 34% Black 33% Hispanic / Latino 29% Two or more races 19% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 17% Cuban 3%
• Common ancestry: Hispanic 3% Portuguese 2% Romanian 1%
• Foreign-born: 17% · Canada, Jamaica
• Languages at home: 67% English-only · Spanish 27% French/Haitian/Cajun 4% 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: ▼ -45.25%
• Current HPI: 224.3536
• Rent YoY: ▼ -0.67%
• 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

+163.1% since first listed

8 events — show timeline

• 2026-04-24 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-16 Price Changed $249,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-06 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-02 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-25 Listed $255,075 Stellar MLS as Distributed by MLS Grid
• 2009-07-10 Sold (Public Records) $84,000 Public Records
• 2009-06-22 Sold (MLS) $84,000 Stellar MLS as Distributed by MLS Grid
• 2008-12-02 Listed $95,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+4.1%/yr

Latest (2025): $1,460 · +19.3% YoY. Source: county tax records.