6318 SW 117th Loop · Liberty Triangle, FL 34476

$272,900

3 bd · 2.0 ba · 1,921 sqft · SingleFamily public records · 2 Days on market

Built 2001 6,098 sqft lot $142/sqft · 13% below area Est $314k · 13% under $325/mo HOA · 13% 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 +13.4/15.0
• Cash flow +10.9/30.0
• 1% rule +3.8/10.0
• Schools +3.6/10.0
• DSCR +3.2/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

First time on the market - Augusta 3 bed, 2 bath, 2 car block home. Sits in the premier community of Oak Run, Laurel Oaks. Approx 1,921 square feet of living space under heat and air. Space is not an issue here if you enjoy high ceilings, large bedrooms, good footprint kitchen with plenty of working counter space. Come and sit on the lovely lanai courtyard with a cup of joe and watch the birds play!! Roof replaced in 2020, A/C had new air compressor installed Aug 2025, water softener, pest control contract, engineered wood floors, hurricane/storm window coverings. Oak Run offers for the low HOA-amenities fee, 6 pools (1 heated), 5 hot tubs, 3 club houses, on-site restaurant, 18 hole golf course, dog park, over 100 clubs to join! List goes on and on! Call today for you tour before it's too late! Furniture is negotiated under separate contract.

Key facts

• Six pools
• Private courtyard
• Indoor pool

Tags

• ENGINEERED WOOD FLOORING
• PRIVATE COURTYARD
• INDOOR OUTDOOR LIVING
• SIX POOLS
• INDOOR POOL
• FIVE HOT TUBS

Property features AI

Finance

• Other: Homestead exempt; PUD zoning
• Financial info: Monthly association fee listed
• HOA & community: Has HOA — monthly fee; HOA covers cable TV, pool, grounds maintenance, recreational facilities, security, trash; Community amenities: clubhouse, fitness center, pool, tennis courts, pickleball, shuffleboard, spa/hot tub, storage, gated, golf course, golf cart–friendly, dog park; Buyer approval required; Senior community; Pets allowed (cats; number limit applies)

Exterior

• Parking: Attached 2-car garage (21 x 21); Driveway parking
• Security: Community security
• Utilities: Public water; Public sewer; Electricity connected; Cable available; High-speed internet available (BB/HS); Sewer connected; Irrigation equipment
• Home design: Single family residence; One story; South-facing
• Construction: Block and stucco construction; Shingle roof; Slab foundation; Built as a residential home
• Exterior features: Front porch; Rear porch; Patio; Exterior lighting; Rain gutters; Mature landscaping with trees

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator; Eat-in kitchen
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Hardwood; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Built-in features; Ceiling fans; Eat-in kitchen; Living room/dining room combo; Open floorplan; Vaulted ceilings; Walk-in closets; Blinds on windows
• Laundry & utility: Washer and dryer included; Inside laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $273k.

Deal economics

• At list price, monthly cash flow is $-118 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $252k (7.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $241k (11.7% below list).
• Recommended offer: $241k (11.7% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 4.5% in Liberty Triangle — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

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.
• Zoned schools: Marion Oaks Elementary School (math 38% / reading 39%, grade F, #1,575 of 2,144 statewide, top 74%, 939 students, 65% FRL); Liberty Middle School (math 40% / reading 41%, grade F, #360 of 571 statewide, top 64%, 1,365 students, 54% FRL); West Port High School (math 34% / reading 52%, grade F, #255 of 667 statewide, top 39%, 2,906 students, 52% FRL) — zoned schools at 57% FRL track the district average.
• Market conditions: Rents soft (-2.6%/yr); 858 active listings in the ZIP; 5 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 44% 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 $2k of loan paydown is wiped out by about $8k 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

• Only 2 days on market — expect competitive offers; lowballing is unlikely to land.
• 3 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.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 6→17/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $241,052 (11.7% 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. 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?
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: 0.88% ✗
• Cap rate: 5.78%
• Cash-on-cash: -1.85%
• DSCR: 0.92
• GRM: 9.4

CMA / ARV

• ARV (median comp): $313,828
• List price: $272,900
• Delta: -13.04%
• 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
11635 SW 65th Avenue Rd	0.07mi	4/2.0 (+1)	1,722 (-10%)	2mo	$367,000	$213	73
5801 SW 115th Street Rd	0.64mi	3/2.0	1,966 (+2%)	1mo	$210,000	$107	66
5952 SW 116th St	0.44mi	4/2.0 (+1)	1,873 (-2%)	8mo	$399,000	$213	64
5810 SW 115th Street Rd	0.55mi	4/2.0 (+1)	2,043 (+6%)	1mo	$349,900	$171	58
5808 SW 115th Street Rd	0.56mi	3/2.0	2,181 (+14%)	2mo	$355,000	$163	50
11613 SW 69th Cir	0.42mi	3/2.0	2,127 (+11%)	16mo	$250,000	$118	49
6882 SW 113th Pl	0.61mi	3/2.0	2,090 (+9%)	13mo	$425,000	$203	46
5908 SW 111th Place Rd	0.68mi	4/2.0 (+1)	2,043 (+6%)	11mo	$342,000	$167	43
11572 SW 72nd Cir	0.66mi	3/2.0	1,670 (-13%)	7mo	$300,000	$180	41
6776 SW 114th Street Rd SW	0.48mi	3/3.0	1,665 (-13%)	17mo	$259,000	$156	37
11577 SW 72nd Cir	0.64mi	2/2.0 (-1)	1,662 (-14%)	16mo	$255,000	$153	30
6871 SW 111th Loop	0.75mi	3/2.0	1,656 (-14%)	16mo	$315,000	$190	29

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: -23.0%
• Equity multiple: 0.23×
• Total profit: $-58,660
• Equity at exit: $40,690

10-year hold

• IRR: -29.2%
• Equity multiple: -0.15×
• Total profit: $-87,543
• Equity at exit: $23,595

Cash invested: $76,412 (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: 858
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,411 high
• Mortgage (P&I): −$1,431
• Tax from tax record: −$152 /mo · $1,826/yr
• Insurance: −$114
• HOA: −$325
• Vacancy / Maint / Mgmt: −$506
• Net cashflow: $-118

Break-even live

Break-even rent $2,559

Max offer price $252,114

Occupancy floor 100%

Sensitivity live

Price	-10% $37	-5% $-40	+0% $-118	+5% $-195	+10% $-272
Rent	-10% $-308	-5% $-213	+0% $-118	+5% $-22	+10% $73
Rate	-1.0pp $20	-0.5pp $-48	base $-118	+0.5pp $-188	+1.0pp $-260

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: $68,225
• Closing costs: $8,187
• Reserves months: —
• Total cash needed: —

Rent comps 5 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
6367 SW 117th Street Rd Ocala, FL	3.0	2.0	1602	$2,650	$1.65	23d	1	0.11mi
11302 SW 62nd Cir Ocala, FL	3.0	2.0	1526	$2,095	$1.37	23d	1	0.35mi
12816 SW 61st Ave Ocala, FL	4.0	2.0	2134	$2,100	$0.98	15d	1	1.18mi
6555 SW 129th Loop Ocala, FL	3.0	2.0	1357	$1,675	$1.23	15d	1	1.35mi
5726 SW 129th Place Rd Ocala, FL	4.0	2.0	1787	$1,899	$1.06	23d	1	1.46mi

HOA detail

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

Listing history 17 events

1. 2026-06-21
   remarks 693-char remark
2. 2026-06-21
   days on marketlisting id $272,900 Active 2 DOM
3. 2026-06-10
   pricedays on market $272,900 Active 71 DOM
4. 2026-06-09
   days on market $279,900 Active 70 DOM
5. 2026-06-08
   days on market $279,900 Active 69 DOM
6. 2026-06-07
   days on market $279,900 Active 68 DOM
7. 2026-06-03
   days on market $279,900 Active 64 DOM
8. 2026-06-02
   days on market $279,900 Active 63 DOM
9. 2026-06-01
   days on market $279,900 Active 62 DOM
10. 2026-05-31
    days on market $279,900 Active 61 DOM
11. 2026-05-30
    days on market $279,900 Active 60 DOM
12. 2026-03-31
    listed $279,900 Active 837-char remark
13. 2025-10-29
    soldstatus $250,000
14. 2025-10-28
    soldstatus $250,000 Closed 858-char remark

    Show marketing remark (858 chars)

    First time on the market - Augusta 3 bed, 2 bath, 2 car block home. Sits in the premier community of Oak Run, Laurel Oaks. Approx 1,921 square feet of living space under heat and air. Space is not an issue here if you enjoy high ceilings, large bedrooms, good footprint kitchen with plenty of working counter space. Come and sit on the lovely lanai courtyard with a cup of joe and watch the birds play!! Roof replaced in 2020, A/C had new air compressor installed Aug 2025, water softener, pest control contract, engineered wood floors, hurricane/storm window coverings. Oak Run offers for the low HOA-amenities fee, 6 pools (1 heated), 5 hot tubs, 3 club houses, on-site restaurant, 18 hole golf course, dog park, over 100 clubs to join! List goes on and on! Call today for you tour before it's too late! Furniture is negotiated under separate contract.

15. 2025-10-14
    status Pending 858-char remark

    Show marketing remark (858 chars)

    First time on the market - Augusta 3 bed, 2 bath, 2 car block home. Sits in the premier community of Oak Run, Laurel Oaks. Approx 1,921 square feet of living space under heat and air. Space is not an issue here if you enjoy high ceilings, large bedrooms, good footprint kitchen with plenty of working counter space. Come and sit on the lovely lanai courtyard with a cup of joe and watch the birds play!! Roof replaced in 2020, A/C had new air compressor installed Aug 2025, water softener, pest control contract, engineered wood floors, hurricane/storm window coverings. Oak Run offers for the low HOA-amenities fee, 6 pools (1 heated), 5 hot tubs, 3 club houses, on-site restaurant, 18 hole golf course, dog park, over 100 clubs to join! List goes on and on! Call today for you tour before it's too late! Furniture is negotiated under separate contract.

16. 2025-09-19
    price $265,000 858-char remark

    Show marketing remark (858 chars)

    First time on the market - Augusta 3 bed, 2 bath, 2 car block home. Sits in the premier community of Oak Run, Laurel Oaks. Approx 1,921 square feet of living space under heat and air. Space is not an issue here if you enjoy high ceilings, large bedrooms, good footprint kitchen with plenty of working counter space. Come and sit on the lovely lanai courtyard with a cup of joe and watch the birds play!! Roof replaced in 2020, A/C had new air compressor installed Aug 2025, water softener, pest control contract, engineered wood floors, hurricane/storm window coverings. Oak Run offers for the low HOA-amenities fee, 6 pools (1 heated), 5 hot tubs, 3 club houses, on-site restaurant, 18 hole golf course, dog park, over 100 clubs to join! List goes on and on! Call today for you tour before it's too late! Furniture is negotiated under separate contract.

17. 2025-08-21
    listed $275,000 Active 858-char remark

    Show marketing remark (858 chars)

    First time on the market - Augusta 3 bed, 2 bath, 2 car block home. Sits in the premier community of Oak Run, Laurel Oaks. Approx 1,921 square feet of living space under heat and air. Space is not an issue here if you enjoy high ceilings, large bedrooms, good footprint kitchen with plenty of working counter space. Come and sit on the lovely lanai courtyard with a cup of joe and watch the birds play!! Roof replaced in 2020, A/C had new air compressor installed Aug 2025, water softener, pest control contract, engineered wood floors, hurricane/storm window coverings. Oak Run offers for the low HOA-amenities fee, 6 pools (1 heated), 5 hot tubs, 3 club houses, on-site restaurant, 18 hole golf course, dog park, over 100 clubs to join! List goes on and on! Call today for you tour before it's too late! Furniture is negotiated under separate contract.

ⓘ 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: $1,826 · $152/mo
• Projected year-2 tax: $2,265 · $189/mo
• Expected delta: +$439/yr (+$37/mo · 24.1%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 8/10 Severe 6 d/yr ≥108°F today · 17 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: $28,926
• − Mortgage interest: −$15,287
• − Property taxes: −$1,826
• − Insurance: −$1,364
• − Repairs & maintenance: −$2,314
• − Management: −$2,314
• − HOA: −$3,900
• − Depreciation: −$7,939
• Taxable loss: −$6,018
• Est. tax savings @ 24.0%: +$1,444
• After-tax cash flow: $32/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: 263,375
• 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

-0.8% since first listed

9 events — show timeline

• 2026-06-19 Listed $272,900 Stellar MLS as Distributed by MLS Grid
• 2026-06-10 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-06-09 Price Changed $272,900 Stellar MLS as Distributed by MLS Grid
• 2026-03-31 Listed $279,900 Stellar MLS as Distributed by MLS Grid
• 2025-10-29 Sold (Public Records) $250,000 Public Records
• 2025-10-28 Sold (MLS) $250,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-09-19 Price Changed $265,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-21 Listed $275,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+3.2%/yr

Latest (2025): $1,826 · +15.3% YoY. Source: county tax records.