5906 SW 112th Place Rd · Liberty Triangle, FL 34476

$245,000

3 bd · 2.0 ba · 1,566 sqft · SingleFamily public records · 69 Days on market

Built 1992 0.62 ac lot $156/sqft · 15% below area Est $288k · 15% under $5/mo HOA

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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 +16.3/30.0
• ARV discount +14.3/15.0
• DSCR +5.1/10.0
• 1% rule +3.7/10.0
• Schools +3.6/10.0
• 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

One or more photo(s) has been virtually staged. Welcome to this charming and move-in ready 3-bedroom, 2-bath home nestled in the heart of Ocala—offering the perfect blend of comfort, space, and affordability. Step inside to a bright and spacious living room designed for both relaxation and entertaining, complete with elegant French doors that open to your private patio and backyard, creating seamless indoor-outdoor living. The primary suite provides a peaceful retreat, featuring a walk-in closet and plenty of room to unwind after a long day. The additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the benefits of low HOA fees and NO CDD fees, making this home an exceptional value while still being conveniently located near shopping, dining, and everyday essentials. Whether you're a first-time buyer, downsizing, or investing, this property offers location, value, and lifestyle all in one. Opportunities like this don’t last—schedule your private showing today and make this Ocala gem yours!

Key facts

• Low hoa fees
• Walk-in closet
• No cdd fees

Tags

• PRIVATE PATIO
• WALK-IN CLOSET
• LOW HOA FEES
• NO CDD FEES
• CONVENIENTLY LOCATED

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $245k.

Deal economics

• At list price, monthly cash flow is $135 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $212k (13.3% below list).
• Recommended offer: $212k (13.3% below list) — sets the bar for 1% rule.
• Cap rate 7.0% vs local median 4.5% in Liberty Triangle — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

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.
• Market conditions: Rents soft (-2.6%/yr); 852 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 ($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 $7k 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 69 days — a 6% lower offer ($230k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 13y ago; this cycle's ask has dropped $40k (14%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $130k; list at $245k implies a 88% 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 $212,321 (13.3% below list)

Questions for the listing agent

1. It's been on market 69 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. 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: 0.87% ✗
• Cap rate: 6.95%
• Cash-on-cash: 2.36%
• DSCR: 1.11
• GRM: 9.6

CMA / ARV

• ARV (median comp): $288,371
• List price: $245,000
• Delta: -15.04%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5900 SW 111th Place Rd	0.11mi	3/2.0	1,526 (-3%)	2mo	$235,000	$154	89
13632 SW 61st Cir	0.13mi	3/2.0	1,445 (-8%)	19mo	$310,000	$215	65
6002 SW 107th St	0.52mi	3/2.0	1,478 (-6%)	2mo	$280,000	$189	65
6246 SW 115th Street Rd	0.33mi	3/2.0	1,526 (-3%)	19mo	$224,900	$147	64
10987 SW 69th Cir	0.73mi	2/2.0 (-1)	1,578 (+1%)	1mo	$257,000	$163	59
14285 SW 60th Ter	0.47mi	3/2.0	1,445 (-8%)	13mo	$287,500	$199	55
6679 SW 112th St	0.71mi	2/2.0 (-1)	1,596 (+2%)	6mo	$264,900	$166	53
11635 SW 65th Avenue Rd	0.52mi	4/2.0 (+1)	1,722 (+10%)	1mo	$367,000	$213	53
11663 SW 72nd Cir	0.67mi	3/2.0	1,375 (-12%)	14mo	$267,500	$195	37

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: -15.7%
• Equity multiple: 0.45×
• Total profit: $-37,387
• Equity at exit: $36,530

10-year hold

• IRR: -13.0%
• Equity multiple: 0.33×
• Total profit: $-45,780
• Equity at exit: $21,183

Cash invested: $68,600 (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: 852
• Price-to-rent: 9.6×

Monthly cashflow live

• Estimated rent: $2,123 high
• Mortgage (P&I): −$1,285
• Tax from tax record: −$150 /mo · $1,806/yr
• Insurance: −$102
• HOA: −$5
• Vacancy / Maint / Mgmt: −$446
• Net cashflow: $135

Break-even live

Break-even rent $1,952

Max offer price $245,000

Occupancy floor 89%

Sensitivity live

Price	-10% $274	-5% $204	+0% $135	+5% $66	+10% $-4
Rent	-10% $-33	-5% $51	+0% $135	+5% $219	+10% $303
Rate	-1.0pp $258	-0.5pp $197	base $135	+0.5pp $71	+1.0pp $7

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: $61,250
• Closing costs: $7,350
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
11302 SW 62nd Cir Ocala, FL	3.0	2.0	1526	$2,095	$1.37	22d	1	0.36mi
6367 SW 117th Street Rd Ocala, FL	3.0	2.0	1602	$2,650	$1.65	22d	1	0.50mi
10912 SW 69th Cir Ocala, FL	2.0	2.0	1169	$1,600	$1.37	22d	1	0.59mi
14173 SW 60th Ter Unit 2 Ocala, FL	2.0	2.0	1127	$1,450	$1.29	22d	1	0.65mi
10417 SW 52nd Ct Ocala, FL	3.0	2.0	1577	$1,995	$1.27	14d	1	1.11mi
15062 SW 63rd Ct Ocala, FL	4.0	2.5	1560	$1,850	$1.19	22d	1	1.36mi
6035 SW 98th Street Rd Ocala, FL	2.0	2.0	1494	$1,650	$1.10	14d	1	1.41mi

HOA detail

• Monthly dues: $5 · $60/yr

Listing history 24 events

1. 2026-06-03
   status $245,000 Pending 69 DOM
2. 2026-06-02
   days on market $245,000 Active 69 DOM
3. 2026-06-01
   days on market $245,000 Active 68 DOM
4. 2026-05-31
   days on market $245,000 Active 67 DOM
5. 2026-05-30
   days on market $245,000 Active 66 DOM
6. 2026-04-30
   price $255,000 1055-char remark

   Show marketing remark (1055 chars)

   One or more photo(s) has been virtually staged. Welcome to this charming and move-in ready 3-bedroom, 2-bath home nestled in the heart of Ocala—offering the perfect blend of comfort, space, and affordability. Step inside to a bright and spacious living room designed for both relaxation and entertaining, complete with elegant French doors that open to your private patio and backyard, creating seamless indoor-outdoor living. The primary suite provides a peaceful retreat, featuring a walk-in closet and plenty of room to unwind after a long day. The additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the benefits of low HOA fees and NO CDD fees, making this home an exceptional value while still being conveniently located near shopping, dining, and everyday essentials. Whether you're a first-time buyer, downsizing, or investing, this property offers location, value, and lifestyle all in one. Opportunities like this don’t last—schedule your private showing today and make this Ocala gem yours!

7. 2026-04-16
   price $268,000 1055-char remark

   Show marketing remark (1055 chars)

   One or more photo(s) has been virtually staged. Welcome to this charming and move-in ready 3-bedroom, 2-bath home nestled in the heart of Ocala—offering the perfect blend of comfort, space, and affordability. Step inside to a bright and spacious living room designed for both relaxation and entertaining, complete with elegant French doors that open to your private patio and backyard, creating seamless indoor-outdoor living. The primary suite provides a peaceful retreat, featuring a walk-in closet and plenty of room to unwind after a long day. The additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the benefits of low HOA fees and NO CDD fees, making this home an exceptional value while still being conveniently located near shopping, dining, and everyday essentials. Whether you're a first-time buyer, downsizing, or investing, this property offers location, value, and lifestyle all in one. Opportunities like this don’t last—schedule your private showing today and make this Ocala gem yours!

8. 2026-04-02
   price $276,000 1055-char remark

   Show marketing remark (1055 chars)

   One or more photo(s) has been virtually staged. Welcome to this charming and move-in ready 3-bedroom, 2-bath home nestled in the heart of Ocala—offering the perfect blend of comfort, space, and affordability. Step inside to a bright and spacious living room designed for both relaxation and entertaining, complete with elegant French doors that open to your private patio and backyard, creating seamless indoor-outdoor living. The primary suite provides a peaceful retreat, featuring a walk-in closet and plenty of room to unwind after a long day. The additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the benefits of low HOA fees and NO CDD fees, making this home an exceptional value while still being conveniently located near shopping, dining, and everyday essentials. Whether you're a first-time buyer, downsizing, or investing, this property offers location, value, and lifestyle all in one. Opportunities like this don’t last—schedule your private showing today and make this Ocala gem yours!

9. 2026-03-25
   listed $285,000 Active 1055-char remark

   Show marketing remark (1055 chars)

   One or more photo(s) has been virtually staged. Welcome to this charming and move-in ready 3-bedroom, 2-bath home nestled in the heart of Ocala—offering the perfect blend of comfort, space, and affordability. Step inside to a bright and spacious living room designed for both relaxation and entertaining, complete with elegant French doors that open to your private patio and backyard, creating seamless indoor-outdoor living. The primary suite provides a peaceful retreat, featuring a walk-in closet and plenty of room to unwind after a long day. The additional bedrooms offer flexibility for family, guests, or a home office. Enjoy the benefits of low HOA fees and NO CDD fees, making this home an exceptional value while still being conveniently located near shopping, dining, and everyday essentials. Whether you're a first-time buyer, downsizing, or investing, this property offers location, value, and lifestyle all in one. Opportunities like this don’t last—schedule your private showing today and make this Ocala gem yours!

10. 2015-10-14
    soldstatus $130,000
11. 2015-10-09
    soldstatus $130,000 271-char remark

    Show marketing remark (271 chars)

    Beautifully renovated 3 bedroom two bath home, freshly painted inside and out, new wood laminated floors an nice high ceiling in Living Room. Beautiful granite countertops in kitchen and bathrooms. New carpet in bedrooms, large beautiful yard. This home is move-in ready.

12. 2015-06-26
    listed $135,000 271-char remark

    Show marketing remark (271 chars)

    Beautifully renovated 3 bedroom two bath home, freshly painted inside and out, new wood laminated floors an nice high ceiling in Living Room. Beautiful granite countertops in kitchen and bathrooms. New carpet in bedrooms, large beautiful yard. This home is move-in ready.

13. 2015-05-05
    soldstatus $125,000
14. 2015-04-30
    soldstatus $125,000
15. 2015-03-02
    listed $129,900
16. 2014-12-07
    historical
17. 2014-08-08
    listed $90,900
18. 2014-07-20
    historical
19. 2014-03-20
    listed $100,900
20. 2013-09-30
    historical
21. 2013-04-30
    listed $89,900
22. 2013-02-23
    historical
23. 2013-02-23
    listed $89,900
24. 1992-12-11
    soldstatus $69,900

ⓘ 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: $1,806 · $150/mo
• Projected year-2 tax: $2,034 · $169/mo
• Expected delta: +$228/yr (+$19/mo · 12.6%)

ⓘ 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 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,479
• − Mortgage interest: −$13,724
• − Property taxes: −$1,806
• − Insurance: −$1,225
• − Repairs & maintenance: −$2,038
• − Management: −$2,038
• − HOA: −$60
• − Depreciation: −$7,127
• Taxable loss: −$2,540
• Est. tax savings @ 24.0%: +$610
• After-tax cash flow: $2,229/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: 26,397
• 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

+264.8% since first listed

19 events — show timeline

• 2026-04-30 Price Changed $255,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-16 Price Changed $268,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-02 Price Changed $276,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-25 Listed $285,000 Stellar MLS as Distributed by MLS Grid
• 2015-10-14 Sold (Public Records) $130,000 Public Records
• 2015-10-09 Sold (MLS) $130,000 Stellar MLS as Distributed by MLS Grid
• 2015-06-26 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 2015-05-05 Sold (Public Records) $125,000 Public Records
• 2015-04-30 Sold (MLS) $125,000 Stellar MLS as Distributed by MLS Grid
• 2015-03-02 Listed $129,900 Stellar MLS as Distributed by MLS Grid
• 2014-12-07 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-08-08 Listed $90,900 Stellar MLS as Distributed by MLS Grid
• 2014-07-20 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2014-03-20 Listed $100,900 Stellar MLS as Distributed by MLS Grid
• 2013-09-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2013-04-30 Listed $89,900 Stellar MLS as Distributed by MLS Grid
• 2013-02-23 Listed $89,900 Stellar MLS as Distributed by MLS Grid
• 2013-02-23 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 1992-12-11 Sold (Public Records) $69,900 Public Records

Property tax history

+1.4%/yr

Latest (2025): $1,806 · +16.7% YoY. Source: county tax records.