Siesta Plan · Ocala, FL 34482

$245,990

2 bd · 2.0 ba · 1,565 sqft · SingleFamily · 959 Days on market

Excellent condition ↓ 11% since listing

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Why this score? — see what drove the F 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 +7.5/15.0
• Cash flow +6.7/30.0
• Rent growth +5.0/5.0
• Condition / age +4.8/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• 1% rule +1.7/10.0
• DSCR +0.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Indulge in spacious living in this 2-bedroom plus den villa, featuring a large open kitchen that includes stainless steel appliances. The well designed all concrete block layout integrates the kitchen, living and dining areas, creating an expansive and inviting space. The den adds versatility to the home, allowing for a home office or additional living area. The primary bedroom has an ensuite bath and walk-in closets. This villa comes with a two car garage and smart home technology, "Home is Connected". Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

Key facts

• 2 garage spots
• Listed 959 days

🏗️ New construction. The $245,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $364,069.

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $246k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-587 ($-7k/yr) — negative.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $244k (0.8% below list).
• Recommended offer: $216k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 69/100 on livability (#476 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute 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 fast (+11.1%/yr); 663 active listings in the ZIP; 28 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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 $3k of loan paydown is wiped out by about $11k 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 959 days — a 12% lower offer ($216k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $29k (11%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $216,471 (12.0% 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 959 days. Have you received any prior offers? Is the seller open to a 12% 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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 0.67% ✗
• Cap rate: 4.36%
• Cash-on-cash: -6.91%
• DSCR: 0.69
• GRM: 12.4

CMA / ARV

• ARV (median comp): $364,069
• List price: $245,990
• Delta: -32.43%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4802 NW 39th Street Rd	0.29mi	2/2.0	1,565 (0%)	1mo	$256,150	$164	86
5268 NW 48th Pl	0.47mi	3/2.0 (+1)	1,552 (-1%)	3mo	$215,000	$139	69
5217 NW 43rd Lane Rd	0.42mi	2/2.0	1,565 (0%)	15mo	$262,990	$168	68
4043 NW 44th Cir	0.58mi	2/2.0	1,614 (+3%)	3mo	$259,990	$161	66
3901 NW 49th Ct	0.24mi	2/2.0	1,666 (+6%)	20mo	$315,000	$189	62
5223 NW 48th Pl	0.49mi	2/2.0	1,565 (0%)	24mo	$285,460	$182	57
5472 NW 46th Lane Rd	0.54mi	3/2.0 (+1)	1,505 (-4%)	8mo	$264,900	$176	57
4143 NW 44th Cir	0.73mi	2/2.0	1,614 (+3%)	22mo	$286,990	$178	42

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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -22.9%
• Equity multiple: 0.18×
• Total profit: $-83,459
• Equity at exit: $54,284

10-year hold

• IRR: -8.0%
• Equity multiple: 0.39×
• Total profit: $-61,965
• Equity at exit: $31,478

Cash invested: $101,939 (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 34482

• Rents YoY: 11.1%
• Active inventory: 663
• Price-to-rent: 8.4×

Monthly cashflow live

• Estimated rent: $2,441 high
• Mortgage (P&I): −$1,909
• Tax est. 1.5%: −$455 /mo · $5,461/yr
• Insurance: −$152
• HOA: −$0
• Vacancy / Maint / Mgmt: −$513
• Net cashflow: $-587

Break-even live

Break-even rent $3,185

Max offer price $279,089

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: $91,017
• Closing costs: $10,922
• Reserves months: —
• Total cash needed: —

Rent comps 28 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4122 NW 48th Terrace Rd Ocala, FL	2.0	2.0	1816	$1,999	$1.10	13d	1	0.21mi
4342 NW 55th Ct Ocala, FL	3.0	2.5	2172	$2,600	$1.20	13d	1	0.35mi
5254 NW 43rd Lane Rd Ocala, FL	3.0	2.0	1728	$3,500	$2.03	21d	1	0.36mi
4859 NW 35th Lane Rd Ocala, FL	2.0	2.0	1666	$2,495	$1.50	21d	1	0.37mi
4743 NW 39th Street Rd Ocala, FL	3.0	2.0	1565	$2,500	$1.60	21d	1	0.38mi
4395 NW 55th Ter Ocala, FL	3.0	2.0	1853	$2,700	$1.46	21d	1	0.38mi
5347 NW 46th Lane Rd Ocala, FL	3.0	2.0	1552	$2,550	$1.64	21d	1	0.38mi
5530 NW 40th Loop Ocala, FL	3.0	2.0	1622	$2,000	$1.23	21d	1	0.40mi
5416 NW 46th Lane Rd Ocala, FL	3.0	2.0	1590	$2,300	$1.45	13d	1	0.44mi
5521 NW 45th Ln Ocala, FL	3.0	2.0	1862	$2,600	$1.40	13d	1	0.45mi
5358 NW 48th Pl Ocala, FL	3.0	2.0	1565	$2,500	$1.60	21d	1	0.46mi
5237 NW 48th Pl Ocala, FL	3.0	2.0	1552	$4,500	$2.90	21d	1	0.46mi
5293 NW 48th Pl Ocala, FL	2.0	2.0	1552	$2,450	$1.58	21d	1	0.47mi
4111 NW 44th Cir Ocala, FL	3.0	2.0	1505	$2,300	$1.53	13d	1	0.47mi
4110 NW 44th Cir Ocala, FL	3.0	2.0	1610	$2,400	$1.49	13d	1	0.47mi
5375 NW 48th Pl Ocala, FL	2.0	2.0	1565	$2,350	$1.50	21d	1	0.49mi
5423 NW 35th Lane Rd Ocala, FL	2.0	2.0	1656	$3,200	$1.93	21d	1	0.49mi
5389 NW 48th Pl Ocala, FL	2.0	2.0	1552	$2,300	$1.48	21d	1	0.49mi
4078 NW 44th Cir Ocala, FL	3.0	2.0	1504	$2,500	$1.66	21d	1	0.53mi
5191 NW 34th St Ocala, FL	2.0	2.0	1318	$2,400	$1.82	21d	1	0.55mi
5048 NW 35th St Ocala, FL	3.0	2.0	1552	$1,900	$1.22	13d	1	0.56mi
5471 NW 34th St Ocala, FL	2.0	2.0	1318	$2,900	$2.20	21d	1	0.62mi
3335 NW 52nd Avenue Rd Ocala, FL	2.0	2.5	1318	$2,500	$1.90	21d	1	0.62mi
5333 NW 33rd Pl Ocala, FL	2.0	2.0	1368	$2,300	$1.68	13d	1	0.63mi
3384 NW 54th Ct Ocala, FL	2.0	2.5	1722	$2,300	$1.34	21d	1	0.64mi
5361 NW 33rd Pl Ocala, FL	2.0	2.0	1318	$2,500	$1.90	21d	1	0.64mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$1,785	$1.53	21d	1	0.86mi
5391 NW 55th Ct Ocala, FL	3.0	2.0	1332	$1,650	$1.24	21d	1	0.90mi

Listing history 22 events

1. 2026-06-18
   days on market $245,990 Active 959 DOM
2. 2026-06-17
   days on market $245,990 Active 958 DOM
3. 2026-06-16
   days on market $245,990 Active 957 DOM
4. 2026-06-15
   days on market $245,990 Active 956 DOM
5. 2026-06-14
   days on market $245,990 Active 954 DOM
6. 2026-06-13
   days on market $245,990 Active 953 DOM
7. 2026-06-10
   days on market $245,990 Active 951 DOM
8. 2026-06-09
   days on market $245,990 Active 950 DOM
9. 2026-06-08
   days on market $245,990 Active 949 DOM
10. 2026-06-07
    days on market $245,990 Active 948 DOM
11. 2026-06-03
    days on market $245,990 Active 944 DOM
12. 2026-06-02
    days on market $245,990 Active 943 DOM
13. 2026-05-31
    days on market $245,990 Active 941 DOM
14. 2026-05-30
    days on market $245,990 Active 940 DOM
15. 2026-02-08
    status Active 836-char remark

    Show marketing remark (836 chars)

    Indulge in spacious living in this 2-bedroom plus den villa, featuring a large open kitchen that includes stainless steel appliances. The well designed all concrete block layout integrates the kitchen, living and dining areas, creating an expansive and inviting space. The den adds versatility to the home, allowing for a home office or additional living area. The primary bedroom has an ensuite bath and walk-in closets. This villa comes with a two car garage and smart home technology, "Home is Connected". Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

16. 2026-02-07
    historical 836-char remark

    Show marketing remark (836 chars)

    Indulge in spacious living in this 2-bedroom plus den villa, featuring a large open kitchen that includes stainless steel appliances. The well designed all concrete block layout integrates the kitchen, living and dining areas, creating an expansive and inviting space. The den adds versatility to the home, allowing for a home office or additional living area. The primary bedroom has an ensuite bath and walk-in closets. This villa comes with a two car garage and smart home technology, "Home is Connected". Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

17. 2025-09-30
    price $245,990 836-char remark

    Show marketing remark (836 chars)

    Indulge in spacious living in this 2-bedroom plus den villa, featuring a large open kitchen that includes stainless steel appliances. The well designed all concrete block layout integrates the kitchen, living and dining areas, creating an expansive and inviting space. The den adds versatility to the home, allowing for a home office or additional living area. The primary bedroom has an ensuite bath and walk-in closets. This villa comes with a two car garage and smart home technology, "Home is Connected". Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

18. 2025-06-12
    price $260,990 836-char remark

    Show marketing remark (836 chars)

    Indulge in spacious living in this 2-bedroom plus den villa, featuring a large open kitchen that includes stainless steel appliances. The well designed all concrete block layout integrates the kitchen, living and dining areas, creating an expansive and inviting space. The den adds versatility to the home, allowing for a home office or additional living area. The primary bedroom has an ensuite bath and walk-in closets. This villa comes with a two car garage and smart home technology, "Home is Connected". Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

19. 2024-07-31
    price $266,990 836-char remark

    Show marketing remark (836 chars)

    Indulge in spacious living in this 2-bedroom plus den villa, featuring a large open kitchen that includes stainless steel appliances. The well designed all concrete block layout integrates the kitchen, living and dining areas, creating an expansive and inviting space. The den adds versatility to the home, allowing for a home office or additional living area. The primary bedroom has an ensuite bath and walk-in closets. This villa comes with a two car garage and smart home technology, "Home is Connected". Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

20. 2024-07-03
    price $276,990 836-char remark

    Show marketing remark (836 chars)

    Indulge in spacious living in this 2-bedroom plus den villa, featuring a large open kitchen that includes stainless steel appliances. The well designed all concrete block layout integrates the kitchen, living and dining areas, creating an expansive and inviting space. The den adds versatility to the home, allowing for a home office or additional living area. The primary bedroom has an ensuite bath and walk-in closets. This villa comes with a two car garage and smart home technology, "Home is Connected". Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

21. 2024-01-23
    price $275,990 836-char remark

    Show marketing remark (836 chars)

    Indulge in spacious living in this 2-bedroom plus den villa, featuring a large open kitchen that includes stainless steel appliances. The well designed all concrete block layout integrates the kitchen, living and dining areas, creating an expansive and inviting space. The den adds versatility to the home, allowing for a home office or additional living area. The primary bedroom has an ensuite bath and walk-in closets. This villa comes with a two car garage and smart home technology, "Home is Connected". Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

22. 2023-11-01
    listed $274,990 Active 836-char remark

    Show marketing remark (836 chars)

    Indulge in spacious living in this 2-bedroom plus den villa, featuring a large open kitchen that includes stainless steel appliances. The well designed all concrete block layout integrates the kitchen, living and dining areas, creating an expansive and inviting space. The den adds versatility to the home, allowing for a home office or additional living area. The primary bedroom has an ensuite bath and walk-in closets. This villa comes with a two car garage and smart home technology, "Home is Connected". Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $29,297
• − Mortgage interest: −$20,394
• − Property taxes: −$5,461
• − Insurance: −$1,820
• − Repairs & maintenance: −$2,344
• − Management: −$2,344
• − Depreciation: −$10,591
• Taxable loss: −$13,656
• Est. tax savings @ 24.0%: +$3,278
• After-tax cash flow: $-3,770/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.

Condition & rehab AI · 12 photos

Excellent 95/100 None rehab

This home is in excellent condition with no visible repairs needed. It offers a spacious and well-maintained living space with modern amenities and a great curb appeal.

Value-add opportunities

• Resale Paint exterior siding — Enhances curb appeal and can increase property value
• Resale Replace window treatments — Fresh window treatments can improve the home's aesthetic
• Both Install smart home technology — Enhances convenience and can increase property value

Renovation cost estimate screening

Value-add ROI direction

• Resale Paint exterior siding — Enhances curb appeal and can increase property value ↑
• Resale Replace window treatments — Fresh window treatments can improve the home's aesthetic ↑
• Both Install smart home technology — Enhances convenience and can increase property value ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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 — Ocala

• Score: 69/100
• State rank: #476
• US rank: #8461

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment F Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 22,807
• Household income: $65,901
• Rent vs Own: 16.7% rent · 83.3% own
• Severe rent burden: 282.0

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: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 12%
• Hispanic origin (detail): Mexican 6% Puerto Rican 9% Cuban 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 10% · Canada
• Languages at home: 81% English-only · Spanish 16% 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: ▼ -133.62%
• Current HPI: 194.3857
• Rent YoY: ▲ 11.12%
• 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

-10.5% since first listed

8 events — show timeline

• 2026-02-08 Relisted — Zillow
• 2026-02-07 Delisted — Zillow
• 2025-09-30 Price Changed $245,990 Zillow
• 2025-06-12 Price Changed $260,990 Zillow
• 2024-07-31 Price Changed $266,990 Zillow
• 2024-07-03 Price Changed $276,990 Zillow
• 2024-01-23 Price Changed $275,990 Zillow
• 2023-11-01 Listed $274,990 Zillow