2630 NW 19th Ave · Ocala, FL 34475

$149,900

3 bd · 2.0 ba · 1,152 sqft · Land · 78 Days on market

Built 1990 0.25 ac lot $130/sqft · 689% above area ↓ 10% since listing

---

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 +20.7/30.0
• ARV discount +7.5/15.0
• DSCR +6.6/10.0
• 1% rule +5.5/10.0
• Schools +3.6/10.0
• 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

Great Deal for a Veteran, family, or investor, 24x48 double-wide mobile home situated on a spacious quarter-acre lot. Fully updated, Electrical and plumbing, flooring, lighting, paint and sod. This 3-bedroom, 2-bath home is in great condition and offers a functional split floor plan, with breakfast nook and an inside laundry room for added convenience. Features include a large yard with plenty of room for outdoor enjoyment and a recently installed new A/C system for comfort and efficiency. New septic system. Ideal for full-time living or investment—schedule your showing today! * Front yard is sodded * * VA Eligible FHA/ conventional not eligible All measurements are approximate, buyers agent or buyer to verify all MLS information

Key facts

• Breakfast nook
• Large yard
• Inside laundry room

Tags

• DOUBLE-WIDE MOBILE HOME
• SPACIOUS QUARTER-ACRE LOT
• FUNCTIONAL SPLIT FLOOR PLAN
• BREAKFAST NOOK
• INSIDE LAUNDRY ROOM
• LARGE YARD

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath land listed at $150k.

Deal economics

• At list price, monthly cash flow is $203 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $150k).
• Recommended offer: $141k (6.0% below list) — sets the bar for market timing.
• Cap rate 7.9% vs local median 4.2% in Ocala — 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 69/100 on livability (#476 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute 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.
• Market conditions: 199 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 14d on market — plan ~3-4 weeks tenant-placement turnaround); lower-income renter base — watch delinquency; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• At $1,568/mo this rent would consume 62% of the median local household income ($30k/yr) (locally 923% 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 $1k of loan paydown is wiped out by about $4k 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 78 days — a 6% lower offer ($141k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $16k (10%) 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 $140,906 (6.0% below list)

Questions for the listing agent

1. It's been on market 78 days. Have you received any prior offers? Is the seller open to a 6% 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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.05% ✓
• Cap rate: 7.92%
• Cash-on-cash: 5.81%
• DSCR: 1.26
• GRM: 8.0

CMA / ARV

• ARV (median comp): $19,000
• List price: $149,900
• Delta: 688.95%
• Verdict: OVERPRICED
• Comps: 1 within 2.0 mi

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -7.3%
• Equity multiple: 0.73×
• Total profit: $-11,325
• Equity at exit: $22,351

10-year hold

• IRR: 2.3%
• Equity multiple: 1.16×
• Total profit: $6,898
• Equity at exit: $12,961

Cash invested: $41,972 (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 34475

• Home prices YoY: -8.0%
• Active inventory: 199
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $1,568 high
• Mortgage (P&I): −$786
• Tax est. 1.5%: −$187 /mo · $2,248/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$329
• Net cashflow: $203

Break-even live

Break-even rent $1,311

Max offer price $149,900

Occupancy floor 82%

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: $37,475
• Closing costs: $4,497
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2150 NW 21st Ave Ocala, FL	3.0	1.0–3.0	933	$2,109	$2.26	14d	10	0.48mi
1602 NW 20th Ct Ocala, FL	3.0	2.0	1223	$1,500	$1.23	14d	1	0.80mi
3903 NW Gainesville Rd Unit 3915 Ocala, FL	3.0	2.0	1258	$1,250	$0.99	14d	1	0.97mi
1908 NW 13th Pl Ocala, FL	3.0	1.0	1000	$1,325	$1.32	21d	1	0.98mi
4051 NW 19th Ave Ocala, FL	4.0	2.0	1216	$1,800	$1.48	21d	1	1.03mi
1140 NW 20th Ave Ocala, FL	4.0	1.0	1144	$1,550	$1.35	21d	1	1.07mi
101 NW 23rd Pl Ocala, FL	2.0	1.0	716	$1,150	$1.61	14d	1	1.19mi
1971 NW 43rd St Ocala, FL	2.0–3.0	1.0–2.0	965	$1,499	$1.55	14d	3	1.22mi
1011 NW 42nd Ln Ocala, FL	2.0	1.0	874	$950	$1.09	21d	1	1.30mi
1911 NW 6th St Ocala, FL	3.0	1.0	877	$1,400	$1.60	14d	1	1.50mi

Listing history 9 events

1. 2026-05-31
   status $149,900 Pending 78 DOM
2. 2026-05-30
   days on market $149,900 Active 78 DOM
3. 2026-05-05
   price $149,900 756-char remark

   Show marketing remark (756 chars)

   Great Deal for a Veteran, family, or investor, 24x48 double-wide mobile home situated on a spacious quarter-acre lot. Fully updated, Electrical and plumbing, flooring, lighting, paint and sod. This 3-bedroom, 2-bath home is in great condition and offers a functional split floor plan, with breakfast nook and an inside laundry room for added convenience. Features include a large yard with plenty of room for outdoor enjoyment and a recently installed new A/C system for comfort and efficiency. New septic system. Ideal for full-time living or investment—schedule your showing today! * Front yard is sodded * * VA Eligible FHA/ conventional not eligible All measurements are approximate, buyers agent or buyer to verify all MLS information

4. 2026-04-28
   price $158,000 756-char remark

   Show marketing remark (756 chars)

   Great Deal for a Veteran, family, or investor, 24x48 double-wide mobile home situated on a spacious quarter-acre lot. Fully updated, Electrical and plumbing, flooring, lighting, paint and sod. This 3-bedroom, 2-bath home is in great condition and offers a functional split floor plan, with breakfast nook and an inside laundry room for added convenience. Features include a large yard with plenty of room for outdoor enjoyment and a recently installed new A/C system for comfort and efficiency. New septic system. Ideal for full-time living or investment—schedule your showing today! * Front yard is sodded * * VA Eligible FHA/ conventional not eligible All measurements are approximate, buyers agent or buyer to verify all MLS information

5. 2026-04-21
   price $165,000 756-char remark

   Show marketing remark (756 chars)

   Great Deal for a Veteran, family, or investor, 24x48 double-wide mobile home situated on a spacious quarter-acre lot. Fully updated, Electrical and plumbing, flooring, lighting, paint and sod. This 3-bedroom, 2-bath home is in great condition and offers a functional split floor plan, with breakfast nook and an inside laundry room for added convenience. Features include a large yard with plenty of room for outdoor enjoyment and a recently installed new A/C system for comfort and efficiency. New septic system. Ideal for full-time living or investment—schedule your showing today! * Front yard is sodded * * VA Eligible FHA/ conventional not eligible All measurements are approximate, buyers agent or buyer to verify all MLS information

6. 2026-04-21
   status Active 756-char remark

   Show marketing remark (756 chars)

   Great Deal for a Veteran, family, or investor, 24x48 double-wide mobile home situated on a spacious quarter-acre lot. Fully updated, Electrical and plumbing, flooring, lighting, paint and sod. This 3-bedroom, 2-bath home is in great condition and offers a functional split floor plan, with breakfast nook and an inside laundry room for added convenience. Features include a large yard with plenty of room for outdoor enjoyment and a recently installed new A/C system for comfort and efficiency. New septic system. Ideal for full-time living or investment—schedule your showing today! * Front yard is sodded * * VA Eligible FHA/ conventional not eligible All measurements are approximate, buyers agent or buyer to verify all MLS information

7. 2026-02-10
   status Pending 756-char remark

   Show marketing remark (756 chars)

   Great Deal for a Veteran, family, or investor, 24x48 double-wide mobile home situated on a spacious quarter-acre lot. Fully updated, Electrical and plumbing, flooring, lighting, paint and sod. This 3-bedroom, 2-bath home is in great condition and offers a functional split floor plan, with breakfast nook and an inside laundry room for added convenience. Features include a large yard with plenty of room for outdoor enjoyment and a recently installed new A/C system for comfort and efficiency. New septic system. Ideal for full-time living or investment—schedule your showing today! * Front yard is sodded * * VA Eligible FHA/ conventional not eligible All measurements are approximate, buyers agent or buyer to verify all MLS information

8. 2026-01-26
   price $158,900 756-char remark

   Show marketing remark (756 chars)

   Great Deal for a Veteran, family, or investor, 24x48 double-wide mobile home situated on a spacious quarter-acre lot. Fully updated, Electrical and plumbing, flooring, lighting, paint and sod. This 3-bedroom, 2-bath home is in great condition and offers a functional split floor plan, with breakfast nook and an inside laundry room for added convenience. Features include a large yard with plenty of room for outdoor enjoyment and a recently installed new A/C system for comfort and efficiency. New septic system. Ideal for full-time living or investment—schedule your showing today! * Front yard is sodded * * VA Eligible FHA/ conventional not eligible All measurements are approximate, buyers agent or buyer to verify all MLS information

9. 2026-01-02
   listed $165,900 Active 756-char remark

   Show marketing remark (756 chars)

   Great Deal for a Veteran, family, or investor, 24x48 double-wide mobile home situated on a spacious quarter-acre lot. Fully updated, Electrical and plumbing, flooring, lighting, paint and sod. This 3-bedroom, 2-bath home is in great condition and offers a functional split floor plan, with breakfast nook and an inside laundry room for added convenience. Features include a large yard with plenty of room for outdoor enjoyment and a recently installed new A/C system for comfort and efficiency. New septic system. Ideal for full-time living or investment—schedule your showing today! * Front yard is sodded * * VA Eligible FHA/ conventional not eligible All measurements are approximate, buyers agent or buyer to verify all MLS information

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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 ≥107°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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,822
• − Mortgage interest: −$8,397
• − Property taxes: −$2,248
• − Insurance: −$750
• − Repairs & maintenance: −$1,506
• − Management: −$1,506
• − Depreciation: −$4,361
• Taxable income: $55
• Est. tax owed @ 24.0%: −$13
• After-tax cash flow: $2,425/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 — Ocala

• Score: 69/100
• State rank: #476
• US rank: #8461

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ocala, FL
• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 14,301
• Household income: $30,174
• Rent vs Own: 48.9% rent · 51.1% own
• Severe rent burden: 923.0

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 0.68)
• Race & ethnicity: Black 44% White 30% Hispanic / Latino 19% Two or more races 11%
• Hispanic origin (detail): Mexican 1% Puerto Rican 8% Cuban 3%
• Common ancestry: Serbian 2% Hispanic 1% Lithuanian 1%
• Foreign-born: 8% · Canada, China, Jamaica
• Languages at home: 84% English-only · Spanish 13% French/Haitian/Cajun 2%

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: ▼ -22.26%
• Current HPI: 254.6319
• 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

-9.6% since first listed

7 events — show timeline

• 2026-05-05 Price Changed $149,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-28 Price Changed $158,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-21 Price Changed $165,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-21 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-10 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-26 Price Changed $158,900 Stellar MLS as Distributed by MLS Grid
• 2026-01-02 Listed $165,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+8.0%/yr

Latest (2025): $144 · +38.0% YoY. Source: county tax records.