25 Locust Loop Ln · Silver Springs Shores, FL 34472

$265,000

3 bd · 2.0 ba · 1,449 sqft · SingleFamily public records · 120 Days on market

Built 2025 0.28 ac lot $183/sqft · 8% above area Est $245k · 8% over

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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).

• Cash flow +10.2/30.0
• Appreciation +8.0/10.0
• ARV discount +3.8/15.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• DSCR +2.9/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.7/10.0

Listing remarks MLS

Brand new 2025-built home featuring 3 bedrooms, 2 bathrooms, and about 1,400 sq ft of bright, open living space. Enjoy modern finishes, an open-concept layout, and the peace of mind of new construction with low maintenance living. Move-in ready and priced to sell—schedule your showing today!seller is offering $5,000 in concessions towards buyers closing costs.

Key facts

• 0.28 acre lot
• 2 garage spots
• Built 2025

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $265k.

Deal economics

• At list price, monthly cash flow is $-150 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $238k (10.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $178k (32.8% below list).
• Recommended offer: $178k (32.8% below list) — sets the bar for 1% rule.

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, schools 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 flat; 682 active listings in the ZIP; 9 comparable units currently listed for rent nearby; rentals at typical pace (median 15d 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 $18k of equity ($2k loan paydown + $16k appreciation (5.9% local appreciation)).
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 3, paydown + projected appreciation supports a ~$43k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 120 days — a 9% lower offer ($241k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $44k; list at $265k implies a 505% 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 $178,104 (32.8% 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 120 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
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: 0.67% ✗
• Cap rate: 5.61%
• Cash-on-cash: -2.43%
• DSCR: 0.89
• GRM: 12.4

CMA / ARV

• ARV (median comp): $244,907
• List price: $265,000
• Delta: 8.20%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 11 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
252 Locust Rd	0.14mi	3/2.0	1,380 (-5%)	5mo	$245,000	$178	81
2 Locust Loop Pass	0.23mi	3/2.0	1,380 (-5%)	4mo	$248,500	$180	78
14 Locust Loop Crse	0.22mi	3/2.0	1,380 (-5%)	9mo	$249,000	$180	74
226 Locust Ln	0.23mi	3/2.0	1,550 (+7%)	10mo	$287,000	$185	69
5 Locust Loop Cir	0.33mi	3/2.0	1,335 (-8%)	6mo	$243,780	$183	66
21 Locust Loop Radl	0.29mi	3/2.0	1,331 (-8%)	10mo	$240,000	$180	65
233 Locust Pass Dr	0.44mi	3/2.0	1,298 (-10%)	2mo	$238,000	$183	61
235 Locust Pass Ln	0.51mi	3/2.0	1,380 (-5%)	13mo	$255,000	$185	58
237 Locust Lane Dr	0.40mi	3/2.0	1,232 (-15%)	14mo	$229,000	$186	45
245 Locust Ln	0.32mi	3/2.0	1,232 (-15%)	21mo	$236,000	$192	42
6 Locust Loop Ct	0.36mi	3/2.0	1,232 (-15%)	21mo	$236,000	$192	41

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: 12.3%
• Equity multiple: 1.82×
• Total profit: $60,804
• Equity at exit: $165,462

10-year hold

• IRR: 12.3%
• Equity multiple: 3.39×
• Total profit: $177,432
• Equity at exit: $299,087

Cash invested: $74,200 (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: 682
• Price-to-rent: 12.4×

Monthly cashflow live

• Estimated rent: $1,781 high
• Mortgage (P&I): −$1,390
• Tax from tax record: −$57 /mo · $687/yr
• Insurance: −$110
• HOA: −$0
• Vacancy / Maint / Mgmt: −$374
• Net cashflow: $-150

Break-even live

Break-even rent $1,971

Max offer price $238,448

Occupancy floor —

Sensitivity live

Price	-10% $0	-5% $-75	+0% $-150	+5% $-225	+10% $-300
Rent	-10% $-291	-5% $-221	+0% $-150	+5% $-80	+10% $-10
Rate	-1.0pp $-17	-0.5pp $-83	base $-150	+0.5pp $-219	+1.0pp $-289

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: $66,250
• Closing costs: $7,950
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
219 Locust Ln Ocala, FL	3.0	2.0	1232	$1,650	$1.34	14d	1	0.19mi
342 Locust Pass Ocala, FL	3.0	2.0	1232	$1,650	$1.34	14d	1	0.24mi
80 Locust Pass Run Ocala, FL	3.0	2.0	1003	$1,595	$1.59	14d	1	0.33mi
217 Locust Pass Crse Ocala, FL	3.0	2.0	1232	$1,650	$1.34	14d	1	0.54mi
202 Oak Lane Cir Ocala, FL	3.0	2.0	1232	$1,650	$1.34	14d	1	0.57mi
217 Locust Pass Ln Ocala, FL	3.0	2.0	1011	$1,697	$1.68	14d	1	0.57mi
6 Locust Course Ln Ocala, FL	3.0	2.0	1263	$1,735	$1.37	14d	1	1.02mi
325 Oak Track Ct Ocala, FL	3.0	2.0	1163	$1,550	$1.33	22d	1	1.03mi
310 Oak Lane Pass Ocala, FL	2.0	2.0	988	$1,325	$1.34	22d	1	1.06mi

Listing history 22 events

1. 2026-06-18
   days on market $265,000 Active 120 DOM
2. 2026-06-17
   days on market $265,000 Active 119 DOM
3. 2026-06-16
   days on market $265,000 Active 118 DOM
4. 2026-06-15
   days on market $265,000 Active 117 DOM
5. 2026-06-14
   days on market $265,000 Active 115 DOM
6. 2026-06-13
   days on market $265,000 Active 114 DOM
7. 2026-06-10
   days on market $265,000 Active 112 DOM
8. 2026-06-09
   days on market $265,000 Active 111 DOM
9. 2026-06-08
   days on market $265,000 Active 110 DOM
10. 2026-06-07
    days on market $265,000 Active 109 DOM
11. 2026-06-03
    days on market $265,000 Active 105 DOM
12. 2026-06-02
    days on market $265,000 Active 104 DOM
13. 2026-06-01
    days on market $265,000 Active 103 DOM
14. 2026-05-31
    days on market $265,000 Active 102 DOM
15. 2026-05-30
    days on market $265,000 Active 101 DOM
16. 2026-03-10
    price $265,000 370-char remark

    Show marketing remark (370 chars)

    Brand new 2025-built home featuring 3 bedrooms, 2 bathrooms, and about 1,400 sq ft of bright, open living space. Enjoy modern finishes, an open-concept layout, and the peace of mind of new construction with low maintenance living. Move-in ready and priced to sell—schedule your showing today!seller is offering $5,000 in concessions towards buyers closing costs.

17. 2026-02-18
    listed $270,000 Active 370-char remark

    Show marketing remark (370 chars)

    Brand new 2025-built home featuring 3 bedrooms, 2 bathrooms, and about 1,400 sq ft of bright, open living space. Enjoy modern finishes, an open-concept layout, and the peace of mind of new construction with low maintenance living. Move-in ready and priced to sell—schedule your showing today!seller is offering $5,000 in concessions towards buyers closing costs.

18. 2025-12-31
    historical
19. 2025-06-03
    price $279,900
20. 2025-01-08
    listed $280,000 Active
21. 2005-05-03
    soldstatus $43,800
22. 2005-04-12
    soldstatus $12,000

ⓘ 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: $687 · $57/mo
• Projected year-2 tax: $2,200 · $183/mo
• Expected delta: +$1,513/yr (+$126/mo · 220.3%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 9/10 Extreme 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: $21,372
• − Mortgage interest: −$14,844
• − Property taxes: −$687
• − Insurance: −$1,325
• − Repairs & maintenance: −$1,710
• − Management: −$1,710
• − Depreciation: −$7,709
• Taxable loss: −$6,612
• Est. tax savings @ 24.0%: +$1,587
• After-tax cash flow: $-217/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

+2108.3% since first listed

7 events — show timeline

• 2026-03-10 Price Changed $265,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Listed $270,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-06-03 Price Changed $279,900 Stellar MLS as Distributed by MLS Grid
• 2025-01-08 Listed $280,000 Stellar MLS as Distributed by MLS Grid
• 2005-05-03 Sold (Public Records) $43,800 Public Records
• 2005-04-12 Sold (Public Records) $12,000 Public Records

Property tax history

+17.9%/yr

Latest (2025): $687 · +203.4% YoY. Source: county tax records.