55 Hickory Crse · Silver Springs Shores, FL 34472

$299,900

4 bd · 2.0 ba · 1,788 sqft · SingleFamily public records · 14 Days on market

Built 2019 0.34 ac lot Est $300k · at est. $25/mo HOA · 1% 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).

• Cash flow +8.2/30.0
• Appreciation +8.0/10.0
• ARV discount +7.6/15.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.2/10.0
• 1% rule +1.9/10.0

Listing remarks

Welcome to this beautifully maintained 4-bedroom, 2-bathroom home located in the sought-after Lake Diamond community of Ocala! Built in 2019 and offering 1,788 square feet of thoughtfully designed living space, this move-in-ready home sits on one of the largest lots in the neighborhood at an impressive 0.34 acres and backs directly to the Lake Diamond Golf Course, offering peaceful views and an open feel rarely found in neighborhood living. Inside, you’ll find a spacious open-concept layout designed for both everyday comfort and entertaining. The kitchen serves as the heart of the home, featuring abundant cabinetry, generous counter space, and a large center island overlooking the liv

Key facts

• Large center island
• Abundant cabinetry
• Largest lots

Tags

• LAKE DIAMOND COMMUNITY
• LARGEST LOTS
• BACKS TO GOLF COURSE
• OPEN-CONCEPT LAYOUT
• ABUNDANT CABINETRY
• LARGE CENTER ISLAND

Property features AI

Finance

• Other: Pets allowed
• HOA & community: HOA: Lake Diamond North Homeowner's Association, Inc.; Monthly HOA fee of $25 (required)

Exterior

• Parking: Attached garage with 2 spaces
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; Faces west; Part of a PUD; Homesteaded
• Construction: Stucco exterior; Shingle roof; Slab foundation; Built on a 0.34-acre lot
• Exterior features: Private mailbox; Sidewalks; Asphalt road access

Interior

• Kitchen: Convection oven; Cooktop; Dishwasher; Microwave; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Solid surface counters; Thermostat; Walk-in closets
• Laundry & utility: Dedicated laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $300k.

Deal economics

• At list price, monthly cash flow is $-281 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $250k (16.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $208k (30.6% below list).
• Recommended offer: $208k (30.6% 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, amenities 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.
• Zoned schools: Greenway Elementary School (math 33% / reading 35%, grade F, #1,744 of 2,144 statewide, top 82%, 736 students, 67% FRL); Lake Weir Middle School (math 37% / reading 33%, grade F, #416 of 571 statewide, top 74%, 1,207 students, 76% FRL); Lake Weir High School (math 23% / reading 34%, grade F, #458 of 667 statewide, top 69%, 1,483 students, 68% FRL).
• Market conditions: Rents flat; 683 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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 39% 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 $20k of equity ($2k loan paydown + $18k 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 2, paydown + projected appreciation supports a ~$32k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• Only 14 days on market — expect competitive offers; lowballing is unlikely to land.
• 5 sale attempts since 7y ago 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 $183k; list at $300k implies a 64% 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 $208,005 (30.6% 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. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 0.69% ✗
• Cap rate: 5.17%
• Cash-on-cash: -4.01%
• DSCR: 0.82
• GRM: 12.0

CMA / ARV

• ARV (on-the-fly): $300,384
• Comps found: 8

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
342 Hickory Course Trl	0.56mi	4/2.0	1,828 (+2%)	14mo	$318,990	$175	59
80 Hickory Course Loop	0.46mi	3/2.0 (-1)	1,672 (-6%)	6mo	$250,000	$150	58
22 Hemlock Trl	0.47mi	3/2.0 (-1)	1,698 (-5%)	16mo	$289,000	$170	51
7191 Hemlock Loop	0.57mi	3/2.0 (-1)	1,636 (-8%)	15mo	$265,000	$162	42
12 Hemlock Loop Pass	0.70mi	3/2.0 (-1)	1,740 (-3%)	21mo	$292,900	$168	40
19 Hemlock Run	0.45mi	4/3.0	1,990 (+11%)	22mo	$320,000	$161	38
7398 Hemlock Rd	0.62mi	3/2.0 (-1)	1,590 (-11%)	14mo	$238,000	$150	36
10 Bahia Trace Loop	0.58mi	3/2.0 (-1)	2,000 (+12%)	18mo	$360,000	$180	33

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: 11.0%
• Equity multiple: 1.73×
• Total profit: $61,701
• Equity at exit: $187,253

10-year hold

• IRR: 11.3%
• Equity multiple: 3.21×
• Total profit: $185,265
• Equity at exit: $338,477

Cash invested: $83,972 (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 34472

• Home prices YoY: 2.4%
• Rents YoY: 0.2%
• Active inventory: 683
• Price-to-rent: 12.0×

Monthly cashflow live

• Estimated rent: $2,080 high
• Mortgage (P&I): −$1,573
• Tax from tax record: −$201 /mo · $2,413/yr
• Insurance: −$125
• HOA: −$25
• Vacancy / Maint / Mgmt: −$437
• Net cashflow: $-281

Break-even live

Break-even rent $2,435

Max offer price $250,343

Occupancy floor —

Sensitivity live

Price	-10% $-111	-5% $-196	+0% $-281	+5% $-365	+10% $-450
Rent	-10% $-445	-5% $-363	+0% $-281	+5% $-198	+10% $-116
Rate	-1.0pp $-129	-0.5pp $-204	base $-281	+0.5pp $-358	+1.0pp $-437

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: $74,975
• Closing costs: $8,997
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
308 Hickory Course Radl Ocala, FL	3.0	2.0	1397	$1,650	$1.18	23d	1	0.14mi
51 Hickory Course Trl Ocala, FL	4.0	2.0	2319	$2,300	$0.99	15d	1	0.14mi
149 Hickory Course Cir Ocala, FL	4.0	2.0	1827	$2,100	$1.15	15d	1	0.36mi
492 Hickory Course Loop Ocala, FL	4.0	2.0	1483	$1,750	$1.18	23d	1	0.38mi
5 Hickory Course Loop Ocala, FL	4.0	2.0	2319	$2,650	$1.14	15d	1	0.38mi
136 Hickory Course Loop Ocala, FL	4.0	2.0	1828	$1,990	$1.09	15d	1	0.50mi
7184 Hemlock Loop Ocala, FL	3.0	2.0	1392	$1,675	$1.20	23d	1	0.51mi
7044 Hemlock Crse Ocala, FL	3.0	2.0	1270	$1,897	$1.49	15d	1	0.88mi
705 Lake Diamond Ave Ocala, FL	4.0	2.0	2588	$1,800	$0.70	23d	1	0.93mi
45 Redwood Run Ocala, FL	3.0	2.0	1435	$1,695	$1.18	23d	1	1.26mi
6875 SE 52nd St Ocala, FL	3.0	2.0	1624	$1,750	$1.08	23d	1	1.36mi
619 Silver Pass Ocala, FL	3.0	2.0	1510	$1,495	$0.99	23d	1	1.49mi

HOA detail

• Monthly dues: $25 · $300/yr

Listing history 11 events

1. 2026-06-21
   days on market $299,900 Active 14 DOM
2. 2026-06-18
   days on market $299,900 Active 11 DOM
3. 2026-06-17
   days on market $299,900 Active 10 DOM
4. 2026-06-16
   days on market $299,900 Active 9 DOM
5. 2026-06-15
   days on market $299,900 Active 8 DOM
6. 2026-06-14
   days on market $299,900 Active 6 DOM
7. 2026-06-13
   days on market $299,900 Active 5 DOM
8. 2026-06-10
   days on market $299,900 Active 3 DOM
9. 2026-06-09
   days on market $299,900 Active 2 DOM
10. 2026-06-08
    remarks 693-char remark
11. 2026-06-08
    listed $299,900 Active 1 DOM

ⓘ 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: $2,413 · $201/mo
• Projected year-2 tax: $2,489 · $207/mo
• Expected delta: +$76/yr (+$6/mo · 3.1%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 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: $24,961
• − Mortgage interest: −$16,799
• − Property taxes: −$2,413
• − Insurance: −$1,500
• − Repairs & maintenance: −$1,997
• − Management: −$1,997
• − HOA: −$300
• − Depreciation: −$8,724
• Taxable loss: −$8,769
• Est. tax savings @ 24.0%: +$2,105
• After-tax cash flow: $-1,262/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

+66.6% since first listed

13 events — show timeline

• 2026-06-07 Listed $299,900 Stellar MLS as Distributed by MLS Grid
• 2023-11-04 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2023-07-28 Relisted — Stellar MLS as Distributed by MLS Grid
• 2023-07-12 Price Changed $325,000 Stellar MLS as Distributed by MLS Grid
• 2023-06-16 Price Changed $330,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-31 Price Changed $335,000 Stellar MLS as Distributed by MLS Grid
• 2023-05-13 Price Changed $340,000 Stellar MLS as Distributed by MLS Grid
• 2023-04-24 Price Changed $345,000 Stellar MLS as Distributed by MLS Grid
• 2022-11-04 Listed $350,000 Stellar MLS as Distributed by MLS Grid
• 2022-07-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2022-05-20 Listed $350,000 Stellar MLS as Distributed by MLS Grid
• 2019-12-26 Sold (MLS) $182,990 Stellar MLS as Distributed by MLS Grid
• 2019-03-25 Listed $179,990 Stellar MLS as Distributed by MLS Grid

Property tax history

+53.8%/yr

Latest (2025): $2,413 · +11.4% YoY. Source: county tax records.