12019 NE 212th Street Rd · Fort Mc Coy, FL 32134

$75,000

2 bd · 1.0 ba · 1,093 sqft · SingleFamily public records · 187 Days on market

Built 1965 0.47 ac lot $69/sqft · 50% below area Est $150k · 50% under

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

Listing remarks MLS

HUNTING, FISHING, QUIET AND PEACEFUL FLORIDA SURROUNDINGS FOR YOUR NEW HOME. ALMOST 1/2 ACRE IN FORT MCCOY! ON A PAVED ROAD!! Block home with a wonderful workshop, shed and fenced yard. Great Potential! 2-bedroom, 1-bath home in a country-like setting. Hardwood flooring and HISTORIC charm. The kitchen leads directly to a convenient laundry area. A Large bonus room with ceramic tile offers additional living space that can really be almost anything. This property includes a well and septic system. Additional features include a large storage closet, a detached shed, and a workshop—ideal for all your toys and equipment. Bring your vision and transform this home into your idea retreat! Whether you are looking for a Retirement Retreat, Hunting Camp or just some great Rural Living, this is potentially Your New Home!

Key facts

• Paved road
• Large bonus room
• Fenced yard

Tags

• ALMOST 1/2 ACRE
• PAVED ROAD
• WORKSHOP
• FENCED YARD
• CONVENIENT LAUNDRY AREA
• LARGE BONUS ROOM

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath single-family listed at $75k.

Deal economics

• At list price, monthly cash flow is $672 ($8k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $75k).
• Recommended offer: $66k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads: area grade B — 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.
• Zoned schools: Fort Mccoy School (math 35% / reading 35%, grade F, #1,697 of 2,144 statewide, top 80%, 964 students, 73% FRL); North Marion High School (math 20% / reading 32%, grade F, #494 of 667 statewide, top 75%, 1,303 students, 66% FRL).
• Zoned-school proficiency averages 30% at this address vs 42% district-wide (-12 pts) — the specific schools serving this property underperform the Marion average; the district grade overstates school quality for this exact location.
• Market conditions: 302 active listings in the ZIP; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $519 of loan paydown is wiped out by about $2k 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 + 3.0% rent growth), your $21k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 187 days — a 12% lower offer ($66k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts; this cycle's ask has dropped $50k (40%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $27k; list at $75k implies a 178% 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; severe 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 $66,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 187 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1965 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
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. 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: 1.95% ✓
• Cap rate: 17.04%
• Cash-on-cash: 38.38%
• DSCR: 2.71
• GRM: 4.3

CMA / ARV

• ARV (median comp): $149,737
• List price: $75,000
• Delta: -49.91%
• Verdict: UNDERPRICED
• Comps: 4 within 2.0 mi

Projected returns pro-forma

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

5-year hold

• IRR: 34.5%
• Equity multiple: 2.46×
• Total profit: $30,623
• Equity at exit: $11,183

10-year hold

• IRR: 41.3%
• Equity multiple: 4.89×
• Total profit: $81,749
• Equity at exit: $6,485

Cash invested: $21,000 (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 32134

• Home prices YoY: -24.4%
• Active inventory: 302
• Price-to-rent: 4.3×

Monthly cashflow live

• Estimated rent: $1,462 medium
• Mortgage (P&I): −$393
• Tax from tax record: −$59 /mo · $703/yr
• Insurance: −$31
• HOA: −$0
• Vacancy / Maint / Mgmt: −$307
• Net cashflow: $672

Break-even live

Break-even rent $612

Max offer price $75,000

Occupancy floor 49%

Sensitivity live

Price	-10% $714	-5% $693	+0% $672	+5% $650	+10% $629
Rent	-10% $556	-5% $614	+0% $672	+5% $729	+10% $787
Rate	-1.0pp $709	-0.5pp $691	base $672	+0.5pp $652	+1.0pp $632

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: $18,750
• Closing costs: $2,250
• Reserves months: —
• Total cash needed: —

Listing history 15 events

1. 2026-05-15
   price $75,000 831-char remark

   Show marketing remark (831 chars)

   HUNTING, FISHING, QUIET AND PEACEFUL FLORIDA SURROUNDINGS FOR YOUR NEW HOME. ALMOST 1/2 ACRE IN FORT MCCOY! ON A PAVED ROAD!! Block home with a wonderful workshop, shed and fenced yard. Great Potential! 2-bedroom, 1-bath home in a country-like setting. Hardwood flooring and HISTORIC charm. The kitchen leads directly to a convenient laundry area. A Large bonus room with ceramic tile offers additional living space that can really be almost anything. This property includes a well and septic system. Additional features include a large storage closet, a detached shed, and a workshop—ideal for all your toys and equipment. Bring your vision and transform this home into your idea retreat! Whether you are looking for a Retirement Retreat, Hunting Camp or just some great Rural Living, this is potentially Your New Home!

2. 2026-05-13
   status Active 831-char remark

   Show marketing remark (831 chars)

   HUNTING, FISHING, QUIET AND PEACEFUL FLORIDA SURROUNDINGS FOR YOUR NEW HOME. ALMOST 1/2 ACRE IN FORT MCCOY! ON A PAVED ROAD!! Block home with a wonderful workshop, shed and fenced yard. Great Potential! 2-bedroom, 1-bath home in a country-like setting. Hardwood flooring and HISTORIC charm. The kitchen leads directly to a convenient laundry area. A Large bonus room with ceramic tile offers additional living space that can really be almost anything. This property includes a well and septic system. Additional features include a large storage closet, a detached shed, and a workshop—ideal for all your toys and equipment. Bring your vision and transform this home into your idea retreat! Whether you are looking for a Retirement Retreat, Hunting Camp or just some great Rural Living, this is potentially Your New Home!

3. 2026-04-03
   status Pending 831-char remark

   Show marketing remark (831 chars)

   HUNTING, FISHING, QUIET AND PEACEFUL FLORIDA SURROUNDINGS FOR YOUR NEW HOME. ALMOST 1/2 ACRE IN FORT MCCOY! ON A PAVED ROAD!! Block home with a wonderful workshop, shed and fenced yard. Great Potential! 2-bedroom, 1-bath home in a country-like setting. Hardwood flooring and HISTORIC charm. The kitchen leads directly to a convenient laundry area. A Large bonus room with ceramic tile offers additional living space that can really be almost anything. This property includes a well and septic system. Additional features include a large storage closet, a detached shed, and a workshop—ideal for all your toys and equipment. Bring your vision and transform this home into your idea retreat! Whether you are looking for a Retirement Retreat, Hunting Camp or just some great Rural Living, this is potentially Your New Home!

4. 2026-02-23
   price $85,000 831-char remark

   Show marketing remark (831 chars)

   HUNTING, FISHING, QUIET AND PEACEFUL FLORIDA SURROUNDINGS FOR YOUR NEW HOME. ALMOST 1/2 ACRE IN FORT MCCOY! ON A PAVED ROAD!! Block home with a wonderful workshop, shed and fenced yard. Great Potential! 2-bedroom, 1-bath home in a country-like setting. Hardwood flooring and HISTORIC charm. The kitchen leads directly to a convenient laundry area. A Large bonus room with ceramic tile offers additional living space that can really be almost anything. This property includes a well and septic system. Additional features include a large storage closet, a detached shed, and a workshop—ideal for all your toys and equipment. Bring your vision and transform this home into your idea retreat! Whether you are looking for a Retirement Retreat, Hunting Camp or just some great Rural Living, this is potentially Your New Home!

5. 2026-02-20
   status Active 831-char remark

   Show marketing remark (831 chars)

   HUNTING, FISHING, QUIET AND PEACEFUL FLORIDA SURROUNDINGS FOR YOUR NEW HOME. ALMOST 1/2 ACRE IN FORT MCCOY! ON A PAVED ROAD!! Block home with a wonderful workshop, shed and fenced yard. Great Potential! 2-bedroom, 1-bath home in a country-like setting. Hardwood flooring and HISTORIC charm. The kitchen leads directly to a convenient laundry area. A Large bonus room with ceramic tile offers additional living space that can really be almost anything. This property includes a well and septic system. Additional features include a large storage closet, a detached shed, and a workshop—ideal for all your toys and equipment. Bring your vision and transform this home into your idea retreat! Whether you are looking for a Retirement Retreat, Hunting Camp or just some great Rural Living, this is potentially Your New Home!

6. 2026-02-10
   status Pending 831-char remark

   Show marketing remark (831 chars)

   HUNTING, FISHING, QUIET AND PEACEFUL FLORIDA SURROUNDINGS FOR YOUR NEW HOME. ALMOST 1/2 ACRE IN FORT MCCOY! ON A PAVED ROAD!! Block home with a wonderful workshop, shed and fenced yard. Great Potential! 2-bedroom, 1-bath home in a country-like setting. Hardwood flooring and HISTORIC charm. The kitchen leads directly to a convenient laundry area. A Large bonus room with ceramic tile offers additional living space that can really be almost anything. This property includes a well and septic system. Additional features include a large storage closet, a detached shed, and a workshop—ideal for all your toys and equipment. Bring your vision and transform this home into your idea retreat! Whether you are looking for a Retirement Retreat, Hunting Camp or just some great Rural Living, this is potentially Your New Home!

7. 2025-12-09
   price $94,900 831-char remark

   Show marketing remark (831 chars)

   HUNTING, FISHING, QUIET AND PEACEFUL FLORIDA SURROUNDINGS FOR YOUR NEW HOME. ALMOST 1/2 ACRE IN FORT MCCOY! ON A PAVED ROAD!! Block home with a wonderful workshop, shed and fenced yard. Great Potential! 2-bedroom, 1-bath home in a country-like setting. Hardwood flooring and HISTORIC charm. The kitchen leads directly to a convenient laundry area. A Large bonus room with ceramic tile offers additional living space that can really be almost anything. This property includes a well and septic system. Additional features include a large storage closet, a detached shed, and a workshop—ideal for all your toys and equipment. Bring your vision and transform this home into your idea retreat! Whether you are looking for a Retirement Retreat, Hunting Camp or just some great Rural Living, this is potentially Your New Home!

8. 2025-10-26
   price $105,000 831-char remark

   Show marketing remark (831 chars)

   HUNTING, FISHING, QUIET AND PEACEFUL FLORIDA SURROUNDINGS FOR YOUR NEW HOME. ALMOST 1/2 ACRE IN FORT MCCOY! ON A PAVED ROAD!! Block home with a wonderful workshop, shed and fenced yard. Great Potential! 2-bedroom, 1-bath home in a country-like setting. Hardwood flooring and HISTORIC charm. The kitchen leads directly to a convenient laundry area. A Large bonus room with ceramic tile offers additional living space that can really be almost anything. This property includes a well and septic system. Additional features include a large storage closet, a detached shed, and a workshop—ideal for all your toys and equipment. Bring your vision and transform this home into your idea retreat! Whether you are looking for a Retirement Retreat, Hunting Camp or just some great Rural Living, this is potentially Your New Home!

9. 2025-10-03
   listed $125,000 Active 831-char remark

   Show marketing remark (831 chars)

   HUNTING, FISHING, QUIET AND PEACEFUL FLORIDA SURROUNDINGS FOR YOUR NEW HOME. ALMOST 1/2 ACRE IN FORT MCCOY! ON A PAVED ROAD!! Block home with a wonderful workshop, shed and fenced yard. Great Potential! 2-bedroom, 1-bath home in a country-like setting. Hardwood flooring and HISTORIC charm. The kitchen leads directly to a convenient laundry area. A Large bonus room with ceramic tile offers additional living space that can really be almost anything. This property includes a well and septic system. Additional features include a large storage closet, a detached shed, and a workshop—ideal for all your toys and equipment. Bring your vision and transform this home into your idea retreat! Whether you are looking for a Retirement Retreat, Hunting Camp or just some great Rural Living, this is potentially Your New Home!

10. 2025-09-22
    historical
11. 2025-08-15
    price $139,000
12. 2025-07-24
    price $149,900
13. 2025-06-25
    listed $165,000 Active
14. 1997-12-10
    soldstatus $27,000
15. 1983-09-01
    soldstatus $16,800

ⓘ 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: $703 · $59/mo
• Projected year-2 tax: $703 · $59/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 8/10 Severe
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 21 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: $17,540
• − Mortgage interest: −$4,201
• − Property taxes: −$703
• − Insurance: −$375
• − Repairs & maintenance: −$1,403
• − Management: −$1,403
• − Depreciation: −$2,182
• Taxable income: $7,273
• Est. tax owed @ 24.0%: −$1,746
• After-tax cash flow: $6,314/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 — Fort Mc Coy

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

Census & demographics

• Population (ZIP): 7,400

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: Predominantly White (91%)
• Race & ethnicity: White 91% Hispanic / Latino 5% Two or more races 4%
• Common ancestry: Italian 3% Slovak 2% Lithuanian 2%
• Foreign-born: 3% · Canada
• Languages at home: 95% English-only · Spanish 3% French/Haitian/Cajun 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: ▼ -72.45%
• Current HPI: 224.9549
• Rent YoY: —
• Metro: —
• 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

+346.4% since first listed

15 events — show timeline

• 2026-05-15 Price Changed $75,000 Stellar MLS as Distributed by MLS Grid
• 2026-05-13 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-23 Price Changed $85,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-20 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-10 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-12-09 Price Changed $94,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-26 Price Changed $105,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-03 Listed $125,000 Stellar MLS as Distributed by MLS Grid
• 2025-09-22 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-08-15 Price Changed $139,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-24 Price Changed $149,900 Stellar MLS as Distributed by MLS Grid
• 2025-06-25 Listed $165,000 Stellar MLS as Distributed by MLS Grid
• 1997-12-10 Sold (Public Records) $27,000 Public Records
• 1983-09-01 Sold (Public Records) $16,800 Public Records

Property tax history

+6.8%/yr

Latest (2025): $703 · +47.1% YoY. Source: county tax records.