7319 SW 115th Pl · Liberty Triangle, FL 34476

$182,000

2 bd · 2.0 ba · 1,546 sqft · SingleFamily public records · 74 Days on market

Built 1995 5,227 sqft lot $118/sqft · 24% below area Est $240k · 24% under $325/mo HOA · 18% of rent

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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).

• ARV discount +15.0/15.0
• Cash flow +7.6/30.0
• 1% rule +5.0/10.0
• Schools +3.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• DSCR +1.7/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

One or more photo(s) has been virtually staged. Welcome to this charming 2-bedroom, 2-bath home located in the highly desirable, gated golf community of Oak Run Hillside—where active living and peaceful surroundings come together beautifully. Step inside to a spacious and inviting living room, perfect for relaxing or entertaining, featuring sliding glass doors that open to a covered, screened-in patio—ideal for enjoying Florida’s year-round sunshine in comfort. The well-appointed kitchen offers abundant cabinetry, providing plenty of storage and functionality for everyday living. The thoughtful layout ensures both comfort and convenience throughout the home. Additional highlights include a one-car garage and low-maintenance living, making this an excellent option for seasonal residents or those looking to downsize without sacrificing lifestyle. Living in Oak Run Hillside means enjoying access to resort-style amenities, including golf, clubhouses, pools, fitness facilities, and a full calendar of social activities—all just minutes from your doorstep. Conveniently located in Ocala, you’re close to shopping, dining, healthcare, and everything you need for easy living. With its prime location, comfortable layout, and access to premier amenities, this home is a fantastic opportunity. Schedule your private showing today before it’s gone!

Key facts

• Access to golf
• Access to clubhouses
• Gated golf community

Tags

• GATED GOLF COMMUNITY
• COVERED SCREENED PATIO
• ABUNDANT CABINETRY
• RESORT STYLE AMENITIES
• ACCESS TO GOLF
• ACCESS TO CLUBHOUSES

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $182k.

Deal economics

• At list price, monthly cash flow is $-215 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $144k (20.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $182k (0.2% below list).
• Recommended offer: $144k (20.9% below list) — sets the bar for cash-flow.

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.
• Market conditions: Rents soft (-2.6%/yr); 852 active listings in the ZIP; 12 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 ($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 $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 74 days — a 6% lower offer ($171k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 16y ago; this cycle's ask has dropped $23k (11%) 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 6→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $144,015 (20.9% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 74 days. Have you received any prior offers? Is the seller open to a 21% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 1.00% ✗
• Cap rate: 4.88%
• Cash-on-cash: -5.06%
• DSCR: 0.77
• GRM: 8.3

CMA / ARV

• ARV (median comp): $239,989
• List price: $182,000
• Delta: -24.16%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
11233 SW 73rd Cir	0.24mi	2/2.0	1,637 (+6%)	4mo	$245,000	$150	76
6899 SW 111th Loop	0.47mi	2/2.0	1,568 (+1%)	4mo	$280,000	$179	73
11027 SW 75th Ave	0.47mi	3/2.0 (+1)	1,625 (+5%)	1mo	$235,000	$145	64
10987 SW 69th Cir	0.73mi	2/2.0	1,578 (+2%)	1mo	$257,000	$163	62
6870 SW 112th St	0.47mi	2/2.0	1,425 (-8%)	5mo	$210,500	$148	61
6679 SW 112th St	0.65mi	2/2.0	1,596 (+3%)	6mo	$264,900	$166	59
7536 SW 107th Ln	0.71mi	3/2.0 (+1)	1,545 (-0%)	4mo	$288,615	$187	59
11572 SW 72nd Cir	0.42mi	3/2.0 (+1)	1,670 (+8%)	7mo	$300,000	$180	56
11365 SW 77th Ave	0.40mi	3/2.0 (+1)	1,728 (+12%)	2mo	$235,000	$136	55
11148 SW 73rd Cir	0.42mi	2/2.0	1,745 (+13%)	5mo	$285,000	$163	55
7945 SW 115th Loop	0.64mi	3/2.0 (+1)	1,670 (+8%)	0mo	$254,900	$153	51
7710 SW 114th Loop	0.50mi	3/2.0 (+1)	1,733 (+12%)	8mo	$243,000	$140	45

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: -29.4%
• Equity multiple: 0.05×
• Total profit: $-48,242
• Equity at exit: $27,137

10-year hold

• IRR: -58.4%
• Equity multiple: -0.55×
• Total profit: $-79,126
• Equity at exit: $15,736

Cash invested: $50,960 (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 34476

• Rents YoY: -2.6%
• Active inventory: 852
• Price-to-rent: 8.3×

Monthly cashflow live

• Estimated rent: $1,817 high
• Mortgage (P&I): −$954
• Tax from tax record: −$295 /mo · $3,539/yr
• Insurance: −$76
• HOA: −$325
• Vacancy / Maint / Mgmt: −$381
• Net cashflow: $-215

Break-even live

Break-even rent $2,089

Max offer price $144,015

Occupancy floor —

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: $45,500
• Closing costs: $5,460
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7867 SW 115th Loop Ocala, FL	3.0	2.0	1462	$1,600	$1.09	21d	1	0.65mi
10912 SW 69th Cir Ocala, FL	2.0	2.0	1169	$1,600	$1.37	21d	1	0.80mi
6367 SW 117th Street Rd Ocala, FL	3.0	2.0	1602	$2,650	$1.65	21d	1	0.94mi
8130 SW 108th Street Rd Ocala, FL	2.0	2.0	1084	$1,975	$1.82	21d	1	0.96mi
11302 SW 62nd Cir Ocala, FL	3.0	2.0	1526	$2,095	$1.37	21d	1	0.98mi
10819 SW 83rd Ct Ocala, FL	3.0	2.0	1601	$1,495	$0.93	21d	1	1.15mi
8287 SW 116th St Ocala, FL	2.0	2.0	1181	$1,550	$1.31	21d	1	1.20mi
10061 SW 74th Ter Ocala, FL	3.0	2.0	1894	$1,995	$1.05	13d	1	1.33mi
14173 SW 60th Ter Unit 2 Ocala, FL	2.0	2.0	1127	$1,450	$1.29	21d	1	1.44mi
8669 SW 108th Ln Ocala, FL	2.0	1.0	1152	$1,250	$1.09	21d	1	1.44mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,795	$0.99	21d	1	1.47mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,750	$0.97	13d	1	1.47mi

HOA detail

• Monthly dues: $325 · $3,900/yr
• Likely covers: poolsecurity

Listing history 32 events

1. 2026-06-19
   price $182,000 Active 74 DOM
2. 2026-06-18
   days on market $185,000 Active 74 DOM
3. 2026-06-17
   days on market $185,000 Active 73 DOM
4. 2026-06-16
   days on market $185,000 Active 72 DOM
5. 2026-06-15
   days on market $185,000 Active 71 DOM
6. 2026-06-14
   days on market $185,000 Active 69 DOM
7. 2026-06-13
   days on market $185,000 Active 68 DOM
8. 2026-06-10
   days on market $185,000 Active 66 DOM
9. 2026-06-09
   days on market $185,000 Active 65 DOM
10. 2026-06-08
    days on market $185,000 Active 64 DOM
11. 2026-06-07
    days on market $185,000 Active 63 DOM
12. 2026-06-03
    days on market $185,000 Active 59 DOM
13. 2026-06-02
    days on market $185,000 Active 58 DOM
14. 2026-06-01
    days on market $185,000 Active 57 DOM
15. 2026-05-31
    days on market $185,000 Active 56 DOM
16. 2026-05-30
    days on market $185,000 Active 55 DOM
17. 2026-04-30
    price $185,000 1399-char remark

    Show marketing remark (1399 chars)

    One or more photo(s) has been virtually staged. Welcome to this charming 2-bedroom, 2-bath home located in the highly desirable, gated golf community of Oak Run Hillside—where active living and peaceful surroundings come together beautifully. Step inside to a spacious and inviting living room, perfect for relaxing or entertaining, featuring sliding glass doors that open to a covered, screened-in patio—ideal for enjoying Florida’s year-round sunshine in comfort. The well-appointed kitchen offers abundant cabinetry, providing plenty of storage and functionality for everyday living. The thoughtful layout ensures both comfort and convenience throughout the home. Additional highlights include a one-car garage and low-maintenance living, making this an excellent option for seasonal residents or those looking to downsize without sacrificing lifestyle. Living in Oak Run Hillside means enjoying access to resort-style amenities, including golf, clubhouses, pools, fitness facilities, and a full calendar of social activities—all just minutes from your doorstep. Conveniently located in Ocala, you’re close to shopping, dining, healthcare, and everything you need for easy living. With its prime location, comfortable layout, and access to premier amenities, this home is a fantastic opportunity. Schedule your private showing today before it’s gone!

18. 2026-04-23
    price $190,000 1399-char remark

    Show marketing remark (1399 chars)

    One or more photo(s) has been virtually staged. Welcome to this charming 2-bedroom, 2-bath home located in the highly desirable, gated golf community of Oak Run Hillside—where active living and peaceful surroundings come together beautifully. Step inside to a spacious and inviting living room, perfect for relaxing or entertaining, featuring sliding glass doors that open to a covered, screened-in patio—ideal for enjoying Florida’s year-round sunshine in comfort. The well-appointed kitchen offers abundant cabinetry, providing plenty of storage and functionality for everyday living. The thoughtful layout ensures both comfort and convenience throughout the home. Additional highlights include a one-car garage and low-maintenance living, making this an excellent option for seasonal residents or those looking to downsize without sacrificing lifestyle. Living in Oak Run Hillside means enjoying access to resort-style amenities, including golf, clubhouses, pools, fitness facilities, and a full calendar of social activities—all just minutes from your doorstep. Conveniently located in Ocala, you’re close to shopping, dining, healthcare, and everything you need for easy living. With its prime location, comfortable layout, and access to premier amenities, this home is a fantastic opportunity. Schedule your private showing today before it’s gone!

19. 2026-04-05
    listed $205,000 Active 1399-char remark

    Show marketing remark (1399 chars)

    One or more photo(s) has been virtually staged. Welcome to this charming 2-bedroom, 2-bath home located in the highly desirable, gated golf community of Oak Run Hillside—where active living and peaceful surroundings come together beautifully. Step inside to a spacious and inviting living room, perfect for relaxing or entertaining, featuring sliding glass doors that open to a covered, screened-in patio—ideal for enjoying Florida’s year-round sunshine in comfort. The well-appointed kitchen offers abundant cabinetry, providing plenty of storage and functionality for everyday living. The thoughtful layout ensures both comfort and convenience throughout the home. Additional highlights include a one-car garage and low-maintenance living, making this an excellent option for seasonal residents or those looking to downsize without sacrificing lifestyle. Living in Oak Run Hillside means enjoying access to resort-style amenities, including golf, clubhouses, pools, fitness facilities, and a full calendar of social activities—all just minutes from your doorstep. Conveniently located in Ocala, you’re close to shopping, dining, healthcare, and everything you need for easy living. With its prime location, comfortable layout, and access to premier amenities, this home is a fantastic opportunity. Schedule your private showing today before it’s gone!

20. 2026-03-17
    soldstatus $200,000
21. 2015-06-10
    soldstatus $102,000
22. 2014-01-25
    historical
23. 2013-07-25
    listed $125,000
24. 2012-11-15
    historical
25. 2012-08-10
    listed $127,500
26. 2011-09-06
    historical
27. 2011-05-02
    listed $139,500
28. 2010-12-27
    historical
29. 2010-11-19
    listed $149,500
30. 2010-03-08
    soldstatus $68,000
31. 2010-03-05
    soldstatus $68,000
32. 2010-01-26
    listed $99,900

ⓘ 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: $3,539 · $295/mo
• Projected year-2 tax: $3,539 · $295/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 2/10 Low
• 🌡 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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,799
• − Mortgage interest: −$10,195
• − Property taxes: −$3,539
• − Insurance: −$910
• − Repairs & maintenance: −$1,744
• − Management: −$1,744
• − HOA: −$3,900
• − Depreciation: −$5,295
• Taxable loss: −$5,527
• Est. tax savings @ 24.0%: +$1,326
• After-tax cash flow: $-1,254/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 — Liberty Triangle

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

Census & demographics

• Census place: Liberty Triangle, FL
• County: Marion County · 315,796 people
• City population: 26,397
• Metro: Ocala, FL
• Population (ZIP): 28,997
• Household income: $65,860
• Rent vs Own: 12.3% rent · 87.7% own
• Severe rent burden: 204.0

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 0.55)
• Race & ethnicity: White 63% Hispanic / Latino 18% Black 13% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 8% Cuban 3%
• Common ancestry: Romanian 3% Slovak 3% Lithuanian 3%
• Foreign-born: 15% · Canada, Jamaica, Dominican Republic
• Languages at home: 83% English-only · Spanish 14% Other Indo-European 1% German/W. Germanic 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: ▼ -105.22%
• Current HPI: 189.0869
• Rent YoY: ▼ -2.57%
• 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

+85.2% since first listed

16 events — show timeline

• 2026-04-30 Price Changed $185,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-23 Price Changed $190,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-05 Listed $205,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-17 Sold (Public Records) $200,000 Public Records
• 2015-06-10 Sold (Public Records) $102,000 Public Records
• 2014-01-25 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2013-07-25 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2012-11-15 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2012-08-10 Listed $127,500 Stellar MLS as Distributed by MLS Grid
• 2011-09-06 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2011-05-02 Listed $139,500 Stellar MLS as Distributed by MLS Grid
• 2010-12-27 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-11-19 Listed $149,500 Stellar MLS as Distributed by MLS Grid
• 2010-03-08 Sold (Public Records) $68,000 Public Records
• 2010-03-05 Sold (MLS) $68,000 Stellar MLS as Distributed by MLS Grid
• 2010-01-26 Listed $99,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+8.2%/yr

Latest (2025): $3,539 · +9.8% YoY. Source: county tax records.