4456 NW 44th Ave · Ocala, FL 34482

$148,000

2 bd · 2.0 ba · 924 sqft · Manufactured public records · 127 Days on market

Built 1982 0.45 ac lot

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Why this score? — see what drove the B- 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 +28.7/30.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• 1% rule +7.3/10.0
• Rent growth +5.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

PRIME HALF-ACRE OPPORTUNITY WITH RENOVATED MOBILE HOME & MATURE TREES. Welcome to this beautifully situated ½-acre property in a prime location just 15 minutes from the Renowned World Equestrian Center, offering space, privacy, and a serene outdoor setting. Surrounded by other half-acre parcels, this home enjoys a peaceful neighborhood feel with large, mature trees that create a stunning natural backdrop and an ideal environment for outdoor living. The 2-bedroom, 2-bath mobile home was renovated approximately three years ago, featuring updates that include the roof, well, flooring, walls, appliances and bathrooms providing peace of mind and modern comfort. Inside, you will find beautifully done floors. throughout, creating a warm and cohesive feel. The Primary Suite features a private bathroom with a relaxing garden tub ideal for unwinding at the end of the day. The interior is functional and inviting, making it perfect as a primary residence, seasonal retreat, or investment opportunity. With ample space to enjoy nature, garden, or expand outdoor living areas, this property offers the perfect blend of privacy, convenience, and move-in-ready value—all in a highly desirable location. This is an opportunity you don't want to miss, schedule your showing today.

Key facts

• Move-in-ready value
• Outdoor living areas
• Private bathroom

Tags

• HALF-ACRE OPPORTUNITY
• RENOVATED MOBILE HOME
• PRIVATE BATHROOM
• GARDEN TUB
• OUTDOOR LIVING AREAS
• MOVE-IN-READY VALUE

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $148k.

Deal economics

• At list price, monthly cash flow is $495 ($6k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $148k).
• Recommended offer: $130k (12.0% below list) — sets the bar for market timing.
• Cap rate 10.3% 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: Rents rising fast (+11.1%/yr); 670 active listings in the ZIP; 2 comparable units currently listed for rent nearby; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 33% of the median local income ($66k/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 $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.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $41k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 127 days — a 12% lower offer ($130k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $40k; list at $148k implies a 270% 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; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $130,240 (12.0% below list)

Questions for the listing agent

1. It's been on market 127 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. 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: 1.23% ✓
• Cap rate: 10.30%
• Cash-on-cash: 14.33%
• DSCR: 1.64
• GRM: 6.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: 9.9%
• Equity multiple: 1.41×
• Total profit: $17,131
• Equity at exit: $22,067

10-year hold

• IRR: 22.7%
• Equity multiple: 3.39×
• Total profit: $99,207
• Equity at exit: $12,796

Cash invested: $41,440 (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 34482

• Rents YoY: 11.1%
• Active inventory: 670
• Price-to-rent: 6.8×

Monthly cashflow live

• Estimated rent: $1,821 medium
• Mortgage (P&I): −$776
• Tax from tax record: −$106 /mo · $1,273/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$382
• Net cashflow: $495

Break-even live

Break-even rent $1,195

Max offer price $148,000

Occupancy floor 68%

Sensitivity live

Price	-10% $579	-5% $537	+0% $495	+5% $453	+10% $411
Rent	-10% $351	-5% $423	+0% $495	+5% $567	+10% $639
Rate	-1.0pp $569	-0.5pp $532	base $495	+0.5pp $456	+1.0pp $417

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: $37,000
• Closing costs: $4,440
• Reserves months: —
• Total cash needed: —

Rent comps 2 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$1,785	$1.53	22d	1	1.26mi
5532 NW 57th Pl Ocala, FL	2.0	2.0	962	$1,295	$1.35	15d	1	1.41mi

Listing history 20 events

1. 2026-06-18
   days on market $148,000 Active 127 DOM
2. 2026-06-17
   days on market $148,000 Active 126 DOM
3. 2026-06-16
   days on market $148,000 Active 125 DOM
4. 2026-06-15
   days on market $148,000 Active 124 DOM
5. 2026-06-14
   days on market $148,000 Active 122 DOM
6. 2026-06-13
   days on market $148,000 Active 121 DOM
7. 2026-06-10
   days on market $148,000 Active 119 DOM
8. 2026-06-09
   days on market $148,000 Active 118 DOM
9. 2026-06-08
   days on market $148,000 Active 117 DOM
10. 2026-06-07
    pricedays on market $148,000 Active 116 DOM
11. 2026-06-03
    days on market $149,000 Active 112 DOM
12. 2026-06-02
    days on market $149,000 Active 111 DOM
13. 2026-06-01
    days on market $149,000 Active 110 DOM
14. 2026-05-31
    days on market $149,000 Active 109 DOM
15. 2026-05-30
    days on market $149,000 Active 108 DOM
16. 2026-05-18
    price $149,000 1295-char remark

    Show marketing remark (1295 chars)

    PRIME HALF-ACRE OPPORTUNITY WITH RENOVATED MOBILE HOME & MATURE TREES. Welcome to this beautifully situated ½-acre property in a prime location just 15 minutes from the Renowned World Equestrian Center, offering space, privacy, and a serene outdoor setting. Surrounded by other half-acre parcels, this home enjoys a peaceful neighborhood feel with large, mature trees that create a stunning natural backdrop and an ideal environment for outdoor living. The 2-bedroom, 2-bath mobile home was renovated approximately three years ago, featuring updates that include the roof, well, flooring, walls, appliances and bathrooms providing peace of mind and modern comfort. Inside, you will find beautifully done floors. throughout, creating a warm and cohesive feel. The Primary Suite features a private bathroom with a relaxing garden tub ideal for unwinding at the end of the day. The interior is functional and inviting, making it perfect as a primary residence, seasonal retreat, or investment opportunity. With ample space to enjoy nature, garden, or expand outdoor living areas, this property offers the perfect blend of privacy, convenience, and move-in-ready value—all in a highly desirable location. This is an opportunity you don't want to miss, schedule your showing today.

17. 2026-05-15
    price $149,990 1295-char remark

    Show marketing remark (1295 chars)

    PRIME HALF-ACRE OPPORTUNITY WITH RENOVATED MOBILE HOME & MATURE TREES. Welcome to this beautifully situated ½-acre property in a prime location just 15 minutes from the Renowned World Equestrian Center, offering space, privacy, and a serene outdoor setting. Surrounded by other half-acre parcels, this home enjoys a peaceful neighborhood feel with large, mature trees that create a stunning natural backdrop and an ideal environment for outdoor living. The 2-bedroom, 2-bath mobile home was renovated approximately three years ago, featuring updates that include the roof, well, flooring, walls, appliances and bathrooms providing peace of mind and modern comfort. Inside, you will find beautifully done floors. throughout, creating a warm and cohesive feel. The Primary Suite features a private bathroom with a relaxing garden tub ideal for unwinding at the end of the day. The interior is functional and inviting, making it perfect as a primary residence, seasonal retreat, or investment opportunity. With ample space to enjoy nature, garden, or expand outdoor living areas, this property offers the perfect blend of privacy, convenience, and move-in-ready value—all in a highly desirable location. This is an opportunity you don't want to miss, schedule your showing today.

18. 2026-03-23
    price $149,999 1295-char remark

    Show marketing remark (1295 chars)

    PRIME HALF-ACRE OPPORTUNITY WITH RENOVATED MOBILE HOME & MATURE TREES. Welcome to this beautifully situated ½-acre property in a prime location just 15 minutes from the Renowned World Equestrian Center, offering space, privacy, and a serene outdoor setting. Surrounded by other half-acre parcels, this home enjoys a peaceful neighborhood feel with large, mature trees that create a stunning natural backdrop and an ideal environment for outdoor living. The 2-bedroom, 2-bath mobile home was renovated approximately three years ago, featuring updates that include the roof, well, flooring, walls, appliances and bathrooms providing peace of mind and modern comfort. Inside, you will find beautifully done floors. throughout, creating a warm and cohesive feel. The Primary Suite features a private bathroom with a relaxing garden tub ideal for unwinding at the end of the day. The interior is functional and inviting, making it perfect as a primary residence, seasonal retreat, or investment opportunity. With ample space to enjoy nature, garden, or expand outdoor living areas, this property offers the perfect blend of privacy, convenience, and move-in-ready value—all in a highly desirable location. This is an opportunity you don't want to miss, schedule your showing today.

19. 2026-02-11
    listed $150,000 Active 1295-char remark

    Show marketing remark (1295 chars)

    PRIME HALF-ACRE OPPORTUNITY WITH RENOVATED MOBILE HOME & MATURE TREES. Welcome to this beautifully situated ½-acre property in a prime location just 15 minutes from the Renowned World Equestrian Center, offering space, privacy, and a serene outdoor setting. Surrounded by other half-acre parcels, this home enjoys a peaceful neighborhood feel with large, mature trees that create a stunning natural backdrop and an ideal environment for outdoor living. The 2-bedroom, 2-bath mobile home was renovated approximately three years ago, featuring updates that include the roof, well, flooring, walls, appliances and bathrooms providing peace of mind and modern comfort. Inside, you will find beautifully done floors. throughout, creating a warm and cohesive feel. The Primary Suite features a private bathroom with a relaxing garden tub ideal for unwinding at the end of the day. The interior is functional and inviting, making it perfect as a primary residence, seasonal retreat, or investment opportunity. With ample space to enjoy nature, garden, or expand outdoor living areas, this property offers the perfect blend of privacy, convenience, and move-in-ready value—all in a highly desirable location. This is an opportunity you don't want to miss, schedule your showing today.

20. 2005-10-20
    soldstatus $40,000

ⓘ 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: $1,273 · $106/mo
• Projected year-2 tax: $1,273 · $106/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°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 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,852
• − Mortgage interest: −$8,290
• − Property taxes: −$1,273
• − Insurance: −$740
• − Repairs & maintenance: −$1,748
• − Management: −$1,748
• − Depreciation: −$4,305
• Taxable income: $3,747
• Est. tax owed @ 24.0%: −$899
• After-tax cash flow: $5,038/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

• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 22,807
• Household income: $65,901
• Rent vs Own: 16.7% rent · 83.3% own
• Severe rent burden: 282.0

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: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 12%
• Hispanic origin (detail): Mexican 6% Puerto Rican 9% Cuban 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 10% · Canada
• Languages at home: 81% English-only · Spanish 16% 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: ▼ -133.62%
• Current HPI: 194.3857
• Rent YoY: ▲ 11.12%
• 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

+272.5% since first listed

5 events — show timeline

• 2026-05-18 Price Changed $149,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-15 Price Changed $149,990 Stellar MLS as Distributed by MLS Grid
• 2026-03-23 Price Changed $149,999 Stellar MLS as Distributed by MLS Grid
• 2026-02-11 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 2005-10-20 Sold (Public Records) $40,000 Public Records

Property tax history

+10.0%/yr

Latest (2025): $1,273 · +22.8% YoY. Source: county tax records.