4749 NW 39th Street Rd · Ocala, FL 34482

$222,990

2 bd · 2.0 ba · 1,566 sqft · SingleFamily public records · 515 Days on market

Built 2025 Excellent condition 3,600 sqft lot $142/sqft · 23% below area Est $288k · 23% under $566/mo HOA · 24% of rent ↓ 13% since listing

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Why this score? — see what drove the C- 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 +15.0/15.0
• Cash flow +11.2/30.0
• 1% rule +5.7/10.0
• Rent growth +5.0/5.0
• Condition / age +4.8/5.0
• Schools +4.3/10.0
• Livability +3.5/5.0
• DSCR +3.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

This one-story home features an open concept design. The well-appointed kitchen includes a large granite island and all kitchen appliances. Off the great room is a covered lanai that extends the living space outdoors. At the rear of the home, you will find the Bedroom 1, with a spacious walk-in closet and Bathroom 1. At the front of the home, the second bedroom and den share the second bathroom. The laundry space includes a top load washer and dryer. 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

• Resort style pool
• Athletic center
• The golf club

Tags

• WALKING HIKING BIKE TRAILS
• TENNIS AND PICKLEBALL COURTS
• RESORT STYLE POOL
• ON SITE RESTAURANT
• ATHLETIC CENTER
• THE GOLF CLUB

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $223k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-86 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $208k (6.8% below list).
• Meets the 1% rule at list price ($2k rent vs $223k).
• Recommended offer: $196k (12.0% below list) — sets the bar for market timing.
• Cap rate 5.8% vs local median 4.2% in Ocala — 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 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.
• Zoned schools: Fessenden Elementary School (math 37% / reading 37%, grade F, #1,609 of 2,144 statewide, top 77%, 417 students, 79% FRL); Howard Middle School (math 47% / reading 50%, grade C-, #274 of 571 statewide, top 50%, 980 students, 60% 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 64% FRL track the district average.
• Market conditions: Rents rising fast (+11.1%/yr); 778 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals lingering (median 70d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 43% 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 515 days — a 12% lower offer ($196k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $45k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 24% of rent.

Recommended offer $196,231 (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 515 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
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: 1.07% ✓
• Cap rate: 5.83%
• Cash-on-cash: -1.65%
• DSCR: 0.93
• GRM: 7.8

CMA / ARV

• ARV (median comp): $288,098
• List price: $222,990
• Delta: -22.60%
• 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
4802 NW 39th Street Rd	0.07mi	2/2.0	1,565 (-0%)	2mo	$256,150	$164	94
4090 NW 44th Cir	0.16mi	2/2.0	1,614 (+3%)	1mo	$226,990	$141	86
4068 NW 44th Cir	0.20mi	2/2.0	1,614 (+3%)	4mo	$249,285	$154	82
4031 NW 44th Cir	0.27mi	2/2.0	1,614 (+3%)	1mo	$258,165	$160	81
4027 NW 44th Cir	0.27mi	2/2.0	1,614 (+3%)	2mo	$255,990	$159	80
4039 NW 44th Cir	0.26mi	2/2.0	1,614 (+3%)	3mo	$258,975	$160	80
4043 NW 44th Cir	0.25mi	2/2.0	1,614 (+3%)	4mo	$259,990	$161	80
4086 NW 44th Cir	0.17mi	3/2.0 (+1)	1,504 (-4%)	3mo	$230,445	$153	78
4035 NW 44th Cir	0.26mi	3/2.0 (+1)	1,504 (-4%)	4mo	$249,990	$166	73
4521 NW 37th Street Rd	0.37mi	3/2.0 (+1)	1,742 (+11%)	0mo	$336,687	$193	59
4680 NW 44th Ct	0.55mi	2/2.0	1,338 (-15%)	2mo	$150,000	$112	49
4585 NW 48th Ln	0.60mi	3/2.0 (+1)	1,399 (-11%)	4mo	$245,000	$175	46

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: -12.0%
• Equity multiple: 0.54×
• Total profit: $-28,700
• Equity at exit: $33,249

10-year hold

• IRR: 4.6%
• Equity multiple: 1.43×
• Total profit: $26,554
• Equity at exit: $19,280

Cash invested: $62,437 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 85 active · 28 under contract
• Months of supply: 14.2 mo (7%/mo absorbed)
• Median asking: $289,500 ($175/sqft)
• Median days on market: 138 d
• This list price: 12% of active listings are priced below it
• ARV vs active asking: +4.9% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34482

• Rents YoY: 11.1%
• Active inventory: 778
• Price-to-rent: 7.8×

Monthly cashflow live

• Estimated rent: $2,385 high
• Mortgage (P&I): −$1,169
• Tax from tax record: −$142 /mo · $1,703/yr
• Insurance: −$93
• HOA: −$566
• Vacancy / Maint / Mgmt: −$501
• Net cashflow: $-86

Break-even live

Break-even rent $2,494

Max offer price $207,816

Occupancy floor 99%

Sensitivity live

Price	-10% $40	-5% $-23	+0% $-86	+5% $-149	+10% $-212
Rent	-10% $-274	-5% $-180	+0% $-86	+5% $8	+10% $103
Rate	-1.0pp $26	-0.5pp $-29	base $-86	+0.5pp $-144	+1.0pp $-202

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: $55,748
• Closing costs: $6,690
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4743 NW 39th Street Rd Ocala, FL	3.0	2.0	1565	$2,500	$1.60	70d	1	0.02mi
4110 NW 44th Cir Ocala, FL	3.0	2.0	1610	$2,400	$1.49	63d	1	0.12mi
4859 NW 35th Lane Rd Ocala, FL	2.0	2.0	1666	$2,495	$1.50	70d	1	0.14mi
4111 NW 44th Cir Ocala, FL	3.0	2.0	1505	$2,300	$1.53	63d	1	0.14mi
4078 NW 44th Cir Ocala, FL	3.0	2.0	1504	$2,500	$1.66	70d	1	0.18mi
4122 NW 48th Terrace Rd Ocala, FL	2.0	2.0	1816	$1,999	$1.10	63d	1	0.18mi
5048 NW 35th St Ocala, FL	3.0	2.0	1552	$1,900	$1.22	63d	1	0.48mi
5191 NW 34th St Ocala, FL	2.0	2.0	1318	$2,400	$1.82	70d	1	0.56mi
3335 NW 52nd Avenue Rd Ocala, FL	2.0	2.5	1318	$2,500	$1.90	70d	1	0.60mi
5423 NW 35th Lane Rd Ocala, FL	2.0	2.0	1656	$3,200	$1.93	70d	1	0.64mi
5254 NW 43rd Lane Rd Ocala, FL	3.0	2.0	1728	$3,500	$2.03	70d	1	0.67mi
5333 NW 33rd Pl Ocala, FL	2.0	2.0	1368	$2,300	$1.68	63d	1	0.68mi
5361 NW 33rd Pl Ocala, FL	2.0	2.0	1318	$2,500	$1.90	70d	1	0.70mi
5347 NW 46th Lane Rd Ocala, FL	3.0	2.0	1552	$2,550	$1.64	70d	1	0.71mi
5471 NW 34th St Ocala, FL	2.0	2.0	1318	$2,900	$2.20	70d	1	0.73mi
4342 NW 55th Ct Ocala, FL	3.0	2.5	2172	$2,600	$1.20	63d	1	0.73mi
5237 NW 48th Pl Ocala, FL	3.0	2.0	1552	$4,500	$2.90	70d	1	0.73mi
3384 NW 54th Ct Ocala, FL	2.0	2.5	1722	$2,300	$1.34	70d	1	0.75mi
5530 NW 40th Loop Ocala, FL	3.0	2.0	1622	$2,000	$1.23	70d	1	0.76mi
5293 NW 48th Pl Ocala, FL	2.0	2.0	1552	$2,450	$1.58	70d	1	0.77mi
4395 NW 55th Ter Ocala, FL	3.0	2.0	1853	$2,700	$1.46	70d	1	0.77mi
5358 NW 48th Pl Ocala, FL	3.0	2.0	1565	$2,500	$1.60	70d	1	0.78mi
5416 NW 46th Lane Rd Ocala, FL	3.0	2.0	1590	$2,300	$1.45	63d	1	0.79mi
5375 NW 48th Pl Ocala, FL	2.0	2.0	1565	$2,350	$1.50	70d	1	0.81mi
5389 NW 48th Pl Ocala, FL	2.0	2.0	1552	$2,300	$1.48	70d	1	0.82mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$1,785	$1.53	70d	1	0.83mi
5521 NW 45th Ln Ocala, FL	3.0	2.0	1862	$2,600	$1.40	63d	1	0.83mi
5391 NW 55th Ct Ocala, FL	3.0	2.0	1332	$1,650	$1.24	70d	1	1.20mi
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	70d	1	1.49mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	70d	1	1.50mi

Listing history 50 events

1. 2026-08-08
   days on market $222,990 Active 515 DOM
2. 2026-08-07
   days on market $222,990 Active 514 DOM
3. 2026-08-06
   days on market $222,990 Active 513 DOM
4. 2026-08-05
   days on market $222,990 Active 512 DOM
5. 2026-08-03
   days on market $222,990 Active 510 DOM
6. 2026-07-31
   days on market $222,990 Active 507 DOM
7. 2026-07-30
   days on market $222,990 Active 506 DOM
8. 2026-07-29
   days on market $222,990 Active 505 DOM
9. 2026-07-27
   days on market $222,990 Active 503 DOM
10. 2026-07-25
    days on market $222,990 Active 501 DOM
11. 2026-07-23
    days on market $222,990 Active 499 DOM
12. 2026-07-22
    days on market $222,990 Active 498 DOM
13. 2026-07-21
    days on market $222,990 Active 497 DOM
14. 2026-07-18
    days on market $222,990 Active 494 DOM
15. 2026-07-16
    days on market $222,990 Active 492 DOM
16. 2026-07-16
    pricedays on market $222,990 Active 491 DOM
17. 2026-07-14
    days on market $224,990 Active 490 DOM
18. 2026-07-13
    days on market $224,990 Active 489 DOM
19. 2026-07-12
    days on market $224,990 Active 488 DOM
20. 2026-07-11
    days on market $224,990 Active 487 DOM
21. 2026-07-10
    days on market $224,990 Active 486 DOM
22. 2026-07-10
    pricedays on market $224,990 Active 485 DOM
23. 2026-07-08
    days on market $227,990 Active 484 DOM
24. 2026-07-07
    days on market $227,990 Active 483 DOM
25. 2026-07-06
    days on market $227,990 Active 482 DOM
26. 2026-07-05
    days on market $227,990 Active 481 DOM
27. 2026-07-04
    days on market $227,990 Active 480 DOM
28. 2026-07-03
    days on market $227,990 Active 479 DOM
29. 2026-07-02
    days on market $227,990 Active 478 DOM
30. 2026-07-01
    days on market $227,990 Active 477 DOM
31. 2026-06-30
    days on market $227,990 Active 476 DOM
32. 2026-06-29
    days on market $227,990 Active 475 DOM
33. 2026-06-28
    days on market $227,990 Active 474 DOM
34. 2026-06-28
    days on market $227,990 Active 473 DOM
35. 2026-06-27
    days on market $227,990 Active 472 DOM
36. 2026-06-25
    pricedays on market $227,990 Active 470 DOM
37. 2026-06-23
    days on market $229,990 Active 468 DOM
38. 2026-06-22
    days on market $229,990 Active 467 DOM
39. 2026-06-18
    days on market $229,990 Active 464 DOM
40. 2026-06-17
    price $229,990 Active 463 DOM
41. 2026-06-17
    days on market $237,990 Active 463 DOM
42. 2026-06-16
    days on market $237,990 Active 462 DOM
43. 2026-06-15
    days on market $237,990 Active 461 DOM
44. 2026-06-14
    days on market $237,990 Active 459 DOM
45. 2026-06-13
    days on market $237,990 Active 458 DOM
46. 2026-06-10
    days on market $237,990 Active 456 DOM
47. 2026-06-09
    days on market $237,990 Active 455 DOM
48. 2026-06-08
    days on market $237,990 Active 454 DOM
49. 2026-06-07
    days on market $237,990 Active 453 DOM
50. 2026-06-03
    days on market $237,990 Active 449 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: $1,703 · $142/mo
• Projected year-2 tax: $1,851 · $154/mo
• Expected delta: +$148/yr (+$12/mo · 8.7%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $28,622
• − Mortgage interest: −$12,491
• − Property taxes: −$1,703
• − Insurance: −$1,115
• − Repairs & maintenance: −$2,290
• − Management: −$2,290
• − HOA: −$6,792
• − Depreciation: −$6,487
• Taxable loss: −$4,545
• Est. tax savings @ 24.0%: +$1,091
• After-tax cash flow: $60/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 modern amenities and a resort-style living environment. It is move-in ready and offers high potential for both resale and rental value.

Value-add opportunities

• Both Landscaping improvements — Enhances curb appeal and adds value ↑
• Both Add smart home features — Improves convenience and adds modern appeal ↑

F Composite school gradezoned avg 43/100

Zoned Schools

Elementary Fessenden Elementary School F FL #1,609/2,144 Nat'l #21,438/41,679 Middle Howard Middle School C- FL #274/571 Nat'l #3,846/14,009 High West Port High School F FL #255/667 Nat'l #7,439/17,239

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

C Composite livability gradescore 69/100

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 · 365,905 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: 8% of renters

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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%

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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%

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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

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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

-13.1% since first listed

11 events — show timeline

• 2026-05-14 Price Changed $237,990 Zillow
• 2026-05-13 Price Changed $237,990 Stellar MLS as Distributed by MLS Grid
• 2026-04-09 Price Changed $239,990 Zillow
• 2026-04-08 Price Changed $239,990 Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Price Changed $247,990 Zillow
• 2026-02-17 Price Changed $247,990 Stellar MLS as Distributed by MLS Grid
• 2025-09-30 Price Changed $252,990 Zillow
• 2025-09-29 Price Changed $252,990 Stellar MLS as Distributed by MLS Grid
• 2025-08-30 Listed $267,990 Zillow
• 2025-06-11 Price Changed $267,990 Stellar MLS as Distributed by MLS Grid
• 2025-03-11 Listed $273,990 Stellar MLS as Distributed by MLS Grid

Property tax history

+19.2%/yr

Latest (2025): $1,703 · +19.2% YoY. Source: county tax records.