3883 SE 55th Ct · Silver Springs Shores, FL 34480

$169,000

3 bd · 2.0 ba · 960 sqft · Land · 205 Days on market

Built 2017 0.25 ac lot ↓ 6% since listing

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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 +9.7/30.0
• ARV discount +7.5/15.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Rent growth +3.2/5.0
• 1% rule +2.9/10.0
• DSCR +2.7/10.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully Updated 3-Bedroom, 2-Bath Home in a Prime Ocala Location! This stunning 2017 mobile home has been moved and is truly move-in ready, offering a fresh, like-new feel throughout. VA eligible, this home features 3 spacious bedrooms and 2 full bathrooms, providing the perfect blend of comfort and functionality. Step inside to an open-concept living space filled with natural light, complemented by a beautifully updated kitchen showcasing granite countertops, modern cabinetry, and plenty of prep space—perfect for both everyday living and entertaining. The primary suite offers a peaceful retreat with a large walk-in closet and ample room to unwind. Outside, you’ll find a generously sized, fully fenced backyard—ideal for pets, gatherings, or simply relaxing in your own private space. Conveniently located near shopping, dining, and everyday amenities, this home offers the perfect balance of quiet living with easy access to everything Ocala has to offer. Don’t miss your chance to own this beautifully maintained home—schedule your showing today! * Owner Financng & Special Financing Available as low as 5% down

Key facts

• Modern cabinetry
• Walk-in closet
• Granite countertops

Tags

• GRANITE COUNTERTOPS
• MODERN CABINETRY
• WALK-IN CLOSET
• FULLY FENCED BACKYARD
• DESIRABLE OCALA LOCATION

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath land listed at $169k.

Deal economics

• At list price, monthly cash flow is $-113 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $153k (9.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $134k (21.0% below list).
• Recommended offer: $134k (21.0% 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 rising (+2.8%/yr); 344 active listings in the ZIP; 10 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 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 $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 205 days — a 12% lower offer ($149k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $133,594 (21.0% 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 205 days. Have you received any prior offers? Is the seller open to a 21% 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: 0.79% ✗
• Cap rate: 5.49%
• Cash-on-cash: -2.85%
• DSCR: 0.87
• GRM: 10.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.84% rent growth · sell at horizon

5-year hold

• IRR: -21.2%
• Equity multiple: 0.27×
• Total profit: $-34,747
• Equity at exit: $25,198

10-year hold

• IRR: -15.1%
• Equity multiple: 0.15×
• Total profit: $-40,282
• Equity at exit: $14,612

Cash invested: $47,320 (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 34480

• Home prices YoY: -28.7%
• Rents YoY: 2.8%
• Active inventory: 344
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $1,336 high
• Mortgage (P&I): −$886
• Tax est. 1.5%: −$211 /mo · $2,535/yr
• Insurance: −$70
• HOA: −$0
• Vacancy / Maint / Mgmt: −$281
• Net cashflow: $-113

Break-even live

Break-even rent $1,478

Max offer price $152,717

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: $42,250
• Closing costs: $5,070
• Reserves months: —
• Total cash needed: —

Rent comps 10 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5370 SE 30th Pl Unit Greenfields C Ocala, FL	2.0	2.0	1000	$1,150	$1.15	21d	1	0.62mi
5230 SE 31st St Unit Whispering Sands D Ocala, FL	2.0	1.5	1000	$1,050	$1.05	21d	1	0.67mi
3030 SE 53rd Ct Unit B Ocala, FL	2.0	2.0	854	$1,150	$1.35	21d	1	0.67mi
3030 SE 53rd Ct Unit A Ocala, FL	2.0	2.0	854	$1,200	$1.41	13d	1	0.67mi
5200 SE 31st St Unit D Ocala, FL	2.0	1.5	945	$1,250	$1.32	21d	1	0.68mi
2955 SE 53rd Ct Unit C Ocala, FL	2.0	2.0	854	$1,295	$1.52	21d	1	0.71mi
5435 SE 28th Ln Ocala, FL	2.0	2.0	868	$1,150	$1.32	21d	1	0.74mi
5011 SE 29th St Apt C Ocala, FL	2.0	1.0	1000	$990	$0.99	13d	1	0.89mi
62 Teak Loop Ocala, FL	3.0	1.0	1018	$1,450	$1.42	13d	1	1.13mi
9 Dogwood Trail Dr Ocala, FL	3.0	2.0	1110	$1,595	$1.44	21d	1	1.38mi

Listing history 16 events

1. 2026-06-18
   days on market $169,000 Active 205 DOM
2. 2026-06-17
   days on market $169,000 Active 204 DOM
3. 2026-06-16
   days on market $169,000 Active 203 DOM
4. 2026-06-15
   days on market $169,000 Active 202 DOM
5. 2026-06-14
   days on market $169,000 Active 200 DOM
6. 2026-06-13
   days on market $169,000 Active 199 DOM
7. 2026-06-10
   days on market $169,000 Active 197 DOM
8. 2026-06-09
   days on market $169,000 Active 196 DOM
9. 2026-06-08
   days on market $169,000 Active 195 DOM
10. 2026-06-07
    days on market $169,000 Active 194 DOM
11. 2026-06-03
    days on market $169,000 Active 190 DOM
12. 2026-06-02
    days on market $169,000 Active 189 DOM
13. 2026-05-31
    days on market $169,000 Active 187 DOM
14. 2026-05-30
    days on market $169,000 Active 186 DOM
15. 2026-03-03
    price $169,000 1167-char remark

    Show marketing remark (1167 chars)

    Beautifully Updated 3-Bedroom, 2-Bath Home in a Prime Ocala Location! This stunning 2017 mobile home has been moved and is truly move-in ready, offering a fresh, like-new feel throughout. VA eligible, this home features 3 spacious bedrooms and 2 full bathrooms, providing the perfect blend of comfort and functionality. Step inside to an open-concept living space filled with natural light, complemented by a beautifully updated kitchen showcasing granite countertops, modern cabinetry, and plenty of prep space—perfect for both everyday living and entertaining. The primary suite offers a peaceful retreat with a large walk-in closet and ample room to unwind. Outside, you’ll find a generously sized, fully fenced backyard—ideal for pets, gatherings, or simply relaxing in your own private space. Conveniently located near shopping, dining, and everyday amenities, this home offers the perfect balance of quiet living with easy access to everything Ocala has to offer. Don’t miss your chance to own this beautifully maintained home—schedule your showing today! * Owner Financng & Special Financing Available as low as 5% down

16. 2025-11-25
    listed $179,000 Active 1167-char remark

    Show marketing remark (1167 chars)

    Beautifully Updated 3-Bedroom, 2-Bath Home in a Prime Ocala Location! This stunning 2017 mobile home has been moved and is truly move-in ready, offering a fresh, like-new feel throughout. VA eligible, this home features 3 spacious bedrooms and 2 full bathrooms, providing the perfect blend of comfort and functionality. Step inside to an open-concept living space filled with natural light, complemented by a beautifully updated kitchen showcasing granite countertops, modern cabinetry, and plenty of prep space—perfect for both everyday living and entertaining. The primary suite offers a peaceful retreat with a large walk-in closet and ample room to unwind. Outside, you’ll find a generously sized, fully fenced backyard—ideal for pets, gatherings, or simply relaxing in your own private space. Conveniently located near shopping, dining, and everyday amenities, this home offers the perfect balance of quiet living with easy access to everything Ocala has to offer. Don’t miss your chance to own this beautifully maintained home—schedule your showing today! * Owner Financng & Special Financing Available as low as 5% down

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

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 · 21 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: $16,031
• − Mortgage interest: −$9,467
• − Property taxes: −$2,535
• − Insurance: −$845
• − Repairs & maintenance: −$1,283
• − Management: −$1,283
• − Depreciation: −$4,916
• Taxable loss: −$4,297
• Est. tax savings @ 24.0%: +$1,031
• After-tax cash flow: $-319/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

• County: Marion County · 315,796 people
• City population: 34,665
• Metro: Ocala, FL
• Population (ZIP): 23,517
• Household income: $77,557
• Rent vs Own: 23.3% rent · 76.7% own
• Severe rent burden: 169.0

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: Predominantly White (73%)
• Race & ethnicity: White 73% Hispanic / Latino 15% Two or more races 11% Black 6% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 5% Cuban 2% Dominican 2%
• Common ancestry: Italian 3% Slovak 3% Lithuanian 2%
• Foreign-born: 6% · Canada
• Languages at home: 89% English-only · Spanish 9% Other Asian/Pacific 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: ▼ -85.60%
• Current HPI: 212.4262
• Rent YoY: ▲ 2.84%
• 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

-5.6% since first listed

2 events — show timeline

• 2026-03-03 Price Changed $169,000 Stellar MLS as Distributed by MLS Grid
• 2025-11-25 Listed $179,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+12.3%/yr

Latest (2025): $307 · +22.9% YoY. Source: county tax records.