329 Marion Oaks Crse · Marion Oaks, FL 34473

$175,000

3 bd · 2.0 ba · 1,154 sqft · SingleFamily public records · 183 Days on market

Built 1988 10,019 sqft lot $152/sqft · 24% below area Est $231k · 24% under

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Why this score? — see what drove the C 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 +20.2/30.0
• ARV discount +15.0/15.0
• DSCR +6.4/10.0
• 1% rule +5.5/10.0
• Schools +3.6/10.0
• 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

Make us an offer we cant refuse. Seller says, sell. This home offers a fantastic floorplan on a great lot, ready for your vision. Featuring a new roof and garage door, its a perfect canvas for your updates and personalization. With 3 bedrooms and 2 baths the layout provides plenty of space, while the location in desirable Marion Oaks adds unbeatable value. Bring your creativity and make this property shine--Whether as a starter home, investment property, or forever place.

Key facts

• Great lot
• Garage door
• New roof

Tags

• NEW ROOF
• GARAGE DOOR
• GREAT LOT

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $175k.

Deal economics

• At list price, monthly cash flow is $221 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $175k).
• Recommended offer: $154k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.8% 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 C — 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.
• Market conditions: Rents soft (-0.7%/yr); 1355 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 30% 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 $1k of loan paydown is wiped out by about $5k 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 183 days — a 12% lower offer ($154k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $112k; list at $175k implies a 56% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $154,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 183 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
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: 1.05% ✓
• Cap rate: 7.81%
• Cash-on-cash: 5.40%
• DSCR: 1.24
• GRM: 8.0

CMA / ARV

• ARV (median comp): $231,383
• List price: $175,000
• Delta: -24.37%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4756 SW 143rd Loop	0.18mi	3/2.0	1,228 (+6%)	23mo	$276,000	$225	62
14425 SW 38th Terrace Rd	0.62mi	3/1.0	1,044 (-10%)	1mo	$165,000	$158	51
15068 SW 43rd Ct	0.57mi	3/2.0	1,246 (+8%)	16mo	$250,000	$201	47
14540 SW 35th Terrace Rd	0.70mi	3/2.0	1,104 (-4%)	18mo	$199,000	$180	45
14746 SW 41st Avenue Rd	0.47mi	3/1.0	1,044 (-10%)	16mo	$215,000	$206	45
173 Marion Oaks Ln	0.56mi	2/2.0 (-1)	1,289 (+12%)	15mo	$159,000	$123	37
14040 SW 48th Avenue Rd	0.55mi	3/2.0	1,324 (+15%)	20mo	$250,000	$189	33
15298 SW 43rd Avenue Rd	0.72mi	3/2.0	1,315 (+14%)	15mo	$256,400	$195	31
14530 SW 35th Terrace Rd	0.69mi	2/2.0 (-1)	1,325 (+15%)	18mo	$199,000	$150	23

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: -11.4%
• Equity multiple: 0.60×
• Total profit: $-19,635
• Equity at exit: $26,093

10-year hold

• IRR: -7.3%
• Equity multiple: 0.60×
• Total profit: $-19,583
• Equity at exit: $15,131

Cash invested: $49,000 (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 34473

• Home prices YoY: -16.8%
• Rents YoY: -0.7%
• Active inventory: 1355
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,830 high
• Mortgage (P&I): −$918
• Tax from tax record: −$235 /mo · $2,816/yr
• Insurance: −$73
• HOA: −$0
• Vacancy / Maint / Mgmt: −$384
• Net cashflow: $221

Break-even live

Break-even rent $1,551

Max offer price $175,000

Occupancy floor 83%

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: $43,750
• Closing costs: $5,250
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14614 SW 46th Ct Ocala, FL	3.0	2.0	1200	$1,800	$1.50	21d	1	0.14mi
14525 SW 42nd Terrace Rd Ocala, FL	3.0	2.0	1344	$1,850	$1.38	13d	1	0.24mi
4309 SW 143rd Lane Rd Ocala, FL	3.0	2.0	1238	$1,799	$1.45	13d	1	0.33mi
14193 SW 44th Ct Ocala, FL	3.0	2.0	1449	$1,599	$1.10	13d	1	0.39mi
14965 SW 48th Ave Ocala, FL	4.0	2.0	1342	$1,700	$1.27	13d	1	0.55mi
251 Marion Oaks Crse Ocala, FL	3.0	2.0	1373	$1,795	$1.31	21d	1	0.57mi
15018 SW 48th Ave Ocala, FL	3.0	2.0	1413	$1,625	$1.15	13d	1	0.58mi
15095 SW 51st Ter Ocala, FL	3.0	2.0	1196	$1,500	$1.25	13d	1	0.77mi
14430 SW 34th Terrace Rd Ocala, FL	2.0	2.0	1025	$1,350	$1.32	13d	1	0.78mi
13805 SW 43rd Cir Ocala, FL	4.0	2.0	1494	$1,800	$1.20	21d	1	0.82mi
4004 SW 138th Pl Ocala, FL	3.0	2.0	1348	$1,695	$1.26	21d	1	0.83mi
13731 SW 40th Cir Ocala, FL	3.0	2.0	1463	$1,695	$1.16	13d	1	0.95mi
14856 SW 35th Cir Ocala, FL	2.0	2.0	1036	$1,450	$1.40	13d	1	0.98mi
3567 SW 151st St Ocala, FL	2.0	2.0	1126	$1,450	$1.29	21d	1	1.10mi
5541 SW 153rd Street Rd Ocala, FL	3.0	2.0	1357	$1,700	$1.25	13d	1	1.13mi
3313 SW 147th St Ocala, FL	2.0	2.0	1121	$1,400	$1.25	21d	1	1.18mi
14257 SW 60th Ter #1 Ocala, FL	3.0	2.0	1215	$2,400	$1.98	13d	1	1.33mi

Listing history 21 events

1. 2026-06-18
   days on market $175,000 Active 183 DOM
2. 2026-06-17
   days on market $175,000 Active 182 DOM
3. 2026-06-16
   days on market $175,000 Active 181 DOM
4. 2026-06-15
   days on market $175,000 Active 180 DOM
5. 2026-06-14
   days on market $175,000 Active 178 DOM
6. 2026-06-13
   pricedays on market $175,000 Active 177 DOM
7. 2026-06-10
   days on market $199,990 Active 175 DOM
8. 2026-06-09
   days on market $199,990 Active 174 DOM
9. 2026-06-08
   days on market $199,990 Active 173 DOM
10. 2026-06-07
    days on market $199,990 Active 172 DOM
11. 2026-06-03
    days on market $199,990 Active 168 DOM
12. 2026-06-02
    days on market $199,990 Active 167 DOM
13. 2026-05-31
    days on market $199,990 Active 165 DOM
14. 2026-05-30
    days on market $199,990 Active 164 DOM
15. 2026-04-29
    price $199,990 476-char remark

    Show marketing remark (476 chars)

    Make us an offer we cant refuse. Seller says, sell. This home offers a fantastic floorplan on a great lot, ready for your vision. Featuring a new roof and garage door, its a perfect canvas for your updates and personalization. With 3 bedrooms and 2 baths the layout provides plenty of space, while the location in desirable Marion Oaks adds unbeatable value. Bring your creativity and make this property shine--Whether as a starter home, investment property, or forever place.

16. 2026-03-10
    price $214,990 476-char remark

    Show marketing remark (476 chars)

    Make us an offer we cant refuse. Seller says, sell. This home offers a fantastic floorplan on a great lot, ready for your vision. Featuring a new roof and garage door, its a perfect canvas for your updates and personalization. With 3 bedrooms and 2 baths the layout provides plenty of space, while the location in desirable Marion Oaks adds unbeatable value. Bring your creativity and make this property shine--Whether as a starter home, investment property, or forever place.

17. 2026-02-09
    price $224,990 476-char remark

    Show marketing remark (476 chars)

    Make us an offer we cant refuse. Seller says, sell. This home offers a fantastic floorplan on a great lot, ready for your vision. Featuring a new roof and garage door, its a perfect canvas for your updates and personalization. With 3 bedrooms and 2 baths the layout provides plenty of space, while the location in desirable Marion Oaks adds unbeatable value. Bring your creativity and make this property shine--Whether as a starter home, investment property, or forever place.

18. 2025-12-17
    listed $230,000 Active 476-char remark

    Show marketing remark (476 chars)

    Make us an offer we cant refuse. Seller says, sell. This home offers a fantastic floorplan on a great lot, ready for your vision. Featuring a new roof and garage door, its a perfect canvas for your updates and personalization. With 3 bedrooms and 2 baths the layout provides plenty of space, while the location in desirable Marion Oaks adds unbeatable value. Bring your creativity and make this property shine--Whether as a starter home, investment property, or forever place.

19. 2006-02-13
    soldstatus $112,000
20. 2005-03-23
    soldstatus $84,000
21. 2001-05-25
    soldstatus $43,000

ⓘ 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: $2,816 · $235/mo
• Projected year-2 tax: $2,816 · $235/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 4/10 Moderate
• 🌡 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 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,963
• − Mortgage interest: −$9,803
• − Property taxes: −$2,816
• − Insurance: −$875
• − Repairs & maintenance: −$1,757
• − Management: −$1,757
• − Depreciation: −$5,091
• Taxable loss: −$136
• Est. tax savings @ 24.0%: +$33
• After-tax cash flow: $2,680/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

+365.1% since first listed

7 events — show timeline

• 2026-04-29 Price Changed $199,990 Stellar MLS as Distributed by MLS Grid
• 2026-03-10 Price Changed $214,990 Stellar MLS as Distributed by MLS Grid
• 2026-02-09 Price Changed $224,990 Stellar MLS as Distributed by MLS Grid
• 2025-12-17 Listed $230,000 Stellar MLS as Distributed by MLS Grid
• 2006-02-13 Sold (Public Records) $112,000 Public Records
• 2005-03-23 Sold (Public Records) $84,000 Public Records
• 2001-05-25 Sold (Public Records) $43,000 Public Records

Property tax history

+8.7%/yr

Latest (2025): $2,816 · +13.7% YoY. Source: county tax records.