7 Pecan Drive Loop · Silver Springs Shores, FL 34472

$219,000

3 bd · 2.0 ba · 1,109 sqft · SingleFamily public records · 297 Days on market

Built 1996 0.26 ac lot Est $252k · 13% under ↓ 9% since listing

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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 +14.6/30.0
• ARV discount +13.4/15.0
• Appreciation +8.0/10.0
• DSCR +4.4/10.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• 1% rule +3.0/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0

Listing remarks

Seller is motivated! Welcome to 7 Pecan Drive Loop, Ocala, FL 34472 – a well-kept 3-bedroom, 2-bath home with 1,732 sq ft of comfortable living space, priced at just $236,500. This split floor plan offers a spacious layout with open living and dining areas, a large kitchen, and a private primary suite with walk-in closet and en-suite bath. Enjoy the generously sized backyard, perfect for entertaining or relaxing. No HOA, close to schools, shopping, and parks. Whether you’re a first-time buyer, downsizing, or investing — this is a great opportunity. Don’t miss your chance. Roof is 2016, HVAC 2020, and hot water heater updated in 2023. Schedule your showing today!

Key facts

• Walk-in closet
• Split floor plan
• Large kitchen

Tags

• SPLIT FLOOR PLAN
• OPEN LIVING AND DINING AREAS
• LARGE KITCHEN
• PRIVATE PRIMARY SUITE
• WALK-IN CLOSET
• EN-SUITE BATH

Property features AI

Finance

• Other: Lot size approximately 0.26 acre (1/4 to less than 1/2 acre)
• Financial info: No lease restrictions; Homestead exempt
• HOA & community: No association

Exterior

• Parking: Attached garage (1 car)
• Utilities: Well water; Public sewer; Electricity connected; Cable connected
• Home design: Single-family residence; Residential property; One level; North-facing
• Construction: Concrete construction; Shingle roof; Concrete perimeter foundation; Built on or before public record living area
• Exterior features: Storage; Shed(s); Other storage structures; Vinyl fencing; Paved road access

Interior

• Kitchen: Built-in oven; Cooktop; Dishwasher; Disposal; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile; Wood
• Bathrooms: 2 full bathrooms
• Heating & cooling: Heat pump heating; Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; 7 total rooms
• Laundry & utility: Laundry closet; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $219k.

Deal economics

• At list price, monthly cash flow is $51 ($617/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 $175k (20.2% below list).
• Recommended offer: $175k (20.2% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 4.7% in Silver Springs Shores — 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 68/100 on livability (#527 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: crime C-, employment D, amenities 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: Greenway Elementary School (math 33% / reading 35%, grade F, #1,744 of 2,144 statewide, top 82%, 736 students, 67% FRL); Forest High School (math 36% / reading 54%, grade D-, #228 of 667 statewide, top 35%, 2,325 students, 42% FRL).
• Market conditions: Rents flat; 674 active listings in the ZIP; 15 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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 33% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $15k of equity ($2k loan paydown + $13k appreciation (5.9% local appreciation)).
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (5.9% appreciation + 0.2% rent growth), your $61k cash investment doubles in ~4 years — after that, you're playing with house money.
• By year 3, paydown + projected appreciation supports a ~$36k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 297 days — a 12% lower offer ($193k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $21k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $174,660 (20.2% below list)

Questions for the listing agent

1. It's been on market 297 days. Have you received any prior offers? Is the seller open to a 20% 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. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.80% ✗
• Cap rate: 6.57%
• Cash-on-cash: 1.01%
• DSCR: 1.04
• GRM: 10.4

CMA / ARV

• ARV (on-the-fly): $251,743
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9 Hemlock Terrace Pass	0.34mi	3/2.0	1,153 (+4%)	13mo	$243,000	$211	67
9 Redwood Run Trce	0.51mi	3/2.0	1,003 (-10%)	11mo	$227,900	$227	51

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

5.93% appreciation · 0.17% rent growth · sell at horizon

5-year hold

• IRR: 14.9%
• Equity multiple: 1.99×
• Total profit: $60,706
• Equity at exit: $136,740

10-year hold

• IRR: 14.3%
• Equity multiple: 3.73×
• Total profit: $167,314
• Equity at exit: $247,170

Cash invested: $61,320 (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 34472

• Home prices YoY: 2.4%
• Rents YoY: 0.2%
• Active inventory: 674
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $1,747 high
• Mortgage (P&I): −$1,148
• Tax from tax record: −$89 /mo · $1,064/yr
• Insurance: −$91
• HOA: −$0
• Vacancy / Maint / Mgmt: −$367
• Net cashflow: $51

Break-even live

Break-even rent $1,681

Max offer price $219,000

Occupancy floor 92%

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: $54,750
• Closing costs: $6,570
• Reserves months: —
• Total cash needed: —

Rent comps 15 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
45 Redwood Run Ocala, FL	3.0	2.0	1435	$1,695	$1.18	21d	1	0.25mi
13 Redwood Trace Ln Ocala, FL	3.0	2.0	1337	$1,595	$1.19	21d	1	0.53mi
492 Hickory Course Loop Ocala, FL	4.0	2.0	1483	$1,750	$1.18	21d	1	0.77mi
7044 Hemlock Crse Ocala, FL	3.0	2.0	1270	$1,897	$1.49	13d	1	0.78mi
5614 Pecan Rd Ocala, FL	3.0	2.0	1337	$1,595	$1.19	21d	1	0.79mi
106 Redwood Track Crse Ocala, FL	3.0	2.0	1412	$1,675	$1.19	13d	1	0.82mi
19 Pecan Pass Ter Ocala, FL	3.0	2.0	1368	$1,750	$1.28	21d	1	0.83mi
96 Redwood Rd Ocala, FL	3.0	2.0	1188	$1,650	$1.39	13d	1	0.84mi
36 Pecan Run Crse Ocala, FL	3.0	2.0	1188	$1,850	$1.56	13d	1	0.88mi
308 Hickory Course Radl Ocala, FL	3.0	2.0	1397	$1,650	$1.18	21d	1	1.02mi
7215 Midway Ter Ocala, FL	2.0	2.0	975	$1,175	$1.21	21d	1	1.14mi
7184 Hemlock Loop Ocala, FL	3.0	2.0	1392	$1,675	$1.20	21d	1	1.31mi
7455 Midway Ter Unit K Ocala, FL	2.0	1.0	904	$1,249	$1.38	21d	1	1.41mi
43 Bahia Pass Ocala, FL	3.0	2.0	1188	$1,475	$1.24	21d	1	1.44mi
98 Dogwood Drive Cir Ocala, FL	3.0	2.0	1337	$1,695	$1.27	21d	1	1.50mi

Listing history 15 events

1. 2026-05-01
   status Pending
2. 2026-04-05
   price $219,000
3. 2026-03-19
   price $225,000
4. 2026-02-17
   price $231,000
5. 2025-12-18
   status Active
6. 2025-12-12
   status Pending
7. 2025-11-16
   status Active
8. 2025-11-16
   price $236,500
9. 2025-10-31
   historical
10. 2025-10-03
    status Active
11. 2025-09-30
    historical
12. 2025-07-23
    price $239,000
13. 2025-07-01
    price $244,900
14. 2025-06-14
    price $249,900
15. 2025-06-14
    listed $240,000 Active

ⓘ 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: $1,064 · $89/mo
• Projected year-2 tax: $1,818 · $151/mo
• Expected delta: +$754/yr (+$63/mo · 70.9%)

ⓘ 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 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,959
• − Mortgage interest: −$12,267
• − Property taxes: −$1,064
• − Insurance: −$1,095
• − Repairs & maintenance: −$1,677
• − Management: −$1,677
• − Depreciation: −$6,371
• Taxable loss: −$3,191
• Est. tax savings @ 24.0%: +$766
• After-tax cash flow: $1,383/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

• Score: 68/100
• State rank: #527
• US rank: #9854

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Silver Springs Shores, FL
• County: Marion County · 315,796 people
• City population: 34,665
• Metro: Ocala, FL
• Population (ZIP): 35,851
• Household income: $64,208
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 655.0

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 0.65)
• Race & ethnicity: White 50% Hispanic / Latino 25% Black 21% Two or more races 18% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 14% Cuban 3%
• Common ancestry: Romanian 2% Iranian 1% Lithuanian 1%
• Foreign-born: 11% · Canada, Jamaica, China
• Languages at home: 78% English-only · Spanish 19% 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: ▲ 5.93%
• Current HPI: 255.0714
• Rent YoY: ▲ 0.17%
• 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

-8.8% since first listed

15 events — show timeline

• 2026-05-01 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-05 Price Changed $219,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-19 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-17 Price Changed $231,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-18 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-12-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-11-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-11-16 Price Changed $236,500 Stellar MLS as Distributed by MLS Grid
• 2025-10-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-10-03 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-09-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-07-23 Price Changed $239,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-01 Price Changed $244,900 Stellar MLS as Distributed by MLS Grid
• 2025-06-14 Price Changed $249,900 Stellar MLS as Distributed by MLS Grid
• 2025-06-14 Listed $240,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+3.4%/yr

Latest (2025): $1,064 · +25.7% YoY. Source: county tax records.