10337 SE 176th St · The Villages, FL 34491

$239,800

3 bd · 2.0 ba · 1,526 sqft · SingleFamily public records · 208 Days on market

Built 1990 0.25 ac lot $157/sqft · at area comps Est $237k · at est. $175/mo HOA · 8% 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).

• Cash flow +14.6/30.0
• ARV discount +6.9/15.0
• DSCR +4.5/10.0
• 1% rule +4.0/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

* * This property will convey with a brand new 2026 A/C system, already has a brand new 2025 roof * * Beautifully Remodeled 3/2 in Spruce Creek South — Move-In Ready & Full of Charm! Dogwood Model split floor plan that sits on a big corner lot boasting a quarter acre! Step into this freshly renovated 3-bedroom, 2-bath home in the highly desirable Spruce Creek South community of Summerfield, FL! Situated on a generous corner lot, this home offers plenty of room to enjoy the outdoors—whether you envision a garden, a cozy firepit lounge, or a perfect play space. Inside, you’ll be welcomed by a bright, open layout that flows effortlessly from the living room into the dining area and into a brand-new, beautifully updated kitchen that includes granite countertops and stainless steel appliances. With its modern finishes and thoughtful design, this space is ideal for both everyday living and hosting. The spacious primary bedroom features its own private slider leading out to the screened outdoor space, creating the perfect spot for morning coffee or evening relaxation. A two-car garage offers ample storage along with a utility sink for easy cleanups after yardwork or hobbies. Enjoy Florida living year-round on the large enclosed lanai, perfect for entertaining or simply unwinding. Located just minutes from the Spruce Creek Recreation Center, pickleball and tennis courts, and shaded gathering spots, you’ll love the convenience and neighborly spirit this golf-cart-friendly community is known for. You're only a short ride from everyday essentials including grocery stores, dining, and shopping. Come experience the updated comfort, community vibe, and fantastic location of this beautifully remodeled home in Spruce Creek South—your next chapter starts here!

Key facts

• Brand new roof
• Brand new a/c system
• Updated kitchen

Tags

• BRAND NEW A/C SYSTEM
• BRAND NEW ROOF
• REMODELED HOME
• CORNER LOT
• UPDATED KITCHEN
• PRIVATE SLIDER

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $57 ($681/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 $216k (9.8% below list).
• Recommended offer: $211k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.6% vs local median 5.0% in The Villages — 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 70/100 on livability (#431 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A, employment B+; Watch: amenities F, commute F, health & safety 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: Stanton-Weirsdale Elementary School (math 42% / reading 36%, grade F, #1,560 of 2,144 statewide, top 73%, 544 students, 70% FRL); Lake Weir Middle School (math 37% / reading 33%, grade F, #416 of 571 statewide, top 74%, 1,207 students, 76% FRL); Belleview High School (math 31% / reading 46%, grade F, #321 of 667 statewide, top 49%, 1,783 students, 56% FRL).
• Market conditions: 713 active listings in the ZIP; 18 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 39% of the median local income ($67k/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 208 days — a 12% lower offer ($211k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 17y ago; this cycle's ask has dropped $19k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $145k; list at $240k implies a 65% 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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $211,024 (12.0% below list)

Questions for the listing agent

1. It's been on market 208 days. Have you received any prior offers? Is the seller open to a 12% 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. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
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: 0.90% ✗
• Cap rate: 6.58%
• Cash-on-cash: 1.01%
• DSCR: 1.05
• GRM: 9.2

CMA / ARV

• ARV (median comp): $236,806
• List price: $239,800
• Delta: 1.26%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10410 SE 179th Pl	0.30mi	3/2.0	1,526 (0%)	3mo	$205,000	$134	84
10683 SE 174th Loop	0.29mi	3/2.0	1,450 (-5%)	2mo	$220,000	$152	76
17815 SE 102nd Ter	0.14mi	2/2.0 (-1)	1,372 (-10%)	3mo	$235,000	$171	69
10385 SE 178th St	0.12mi	2/2.0 (-1)	1,420 (-7%)	13mo	$247,900	$175	67
10486 SE 179th Pl	0.34mi	3/2.0	1,450 (-5%)	13mo	$250,000	$172	65
17392 SE 98th Cir	0.56mi	2/2.0 (-1)	1,605 (+5%)	9mo	$274,900	$171	53
9669 SE 174th Place Rd	0.71mi	2/2.0 (-1)	1,390 (-9%)	17mo	$215,000	$155	33
11101 SE 174th Loop	0.75mi	3/2.0	1,329 (-13%)	23mo	$351,000	$264	24

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -14.7%
• Equity multiple: 0.48×
• Total profit: $-35,215
• Equity at exit: $35,755

10-year hold

• IRR: -6.0%
• Equity multiple: 0.61×
• Total profit: $-25,891
• Equity at exit: $20,734

Cash invested: $67,144 (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 34491

• Home prices YoY: -35.0%
• Active inventory: 713
• Price-to-rent: 9.2×

Monthly cashflow live

• Estimated rent: $2,163 high
• Mortgage (P&I): −$1,258
• Tax from tax record: −$120 /mo · $1,439/yr
• Insurance: −$100
• HOA: −$175
• Vacancy / Maint / Mgmt: −$454
• Net cashflow: $57

Break-even live

Break-even rent $2,092

Max offer price $239,800

Occupancy floor 92%

Sensitivity live

Price	-10% $192	-5% $125	+0% $57	+5% $-11	+10% $-79
Rent	-10% $-114	-5% $-29	+0% $57	+5% $142	+10% $228
Rate	-1.0pp $177	-0.5pp $118	base $57	+0.5pp $-5	+1.0pp $-69

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: $59,950
• Closing costs: $7,194
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10397 SE 176th St Summerfield, FL	2.0	2.0	1296	$2,150	$1.66	23d	1	0.07mi
17532 SE 100th Ct Summerfield, FL	2.0	2.0	1217	$1,800	$1.48	23d	1	0.29mi
17582 SE 96th Ct Summerfield, FL	2.0	2.0	1652	$1,750	$1.06	23d	1	0.69mi
17199 SE 97th Ter Summerfield, FL	3.0	2.0	1404	$1,990	$1.42	23d	1	0.70mi
17713 SE 95th Cir Summerfield, FL	3.0	2.0	1450	$2,000	$1.38	23d	1	0.81mi
17522 SE 95th Cir Summerfield, FL	2.0	2.0	1884	$1,875	$1.00	23d	1	0.83mi
13957 County Road 109D Lady Lake, FL	2.0	2.0	1482	$1,650	$1.11	23d	1	0.97mi
13904 County Road 109D Lady Lake, FL	3.0	2.0	1568	$1,550	$0.99	23d	1	0.98mi
1505 Doria Ln Lady Lake, FL	3.0	2.0	2048	$3,500	$1.71	23d	1	1.08mi
9523 SE 168th Maplesong Ln The Villages, FL	3.0	2.0	1265	$1,975	$1.56	23d	1	1.15mi
16962 SE 94th Sunnybrook Cir The Villages, FL	2.0	2.0	1160	$2,000	$1.72	23d	1	1.20mi
2909 Meadow Lawn Ln The Villages, FL	2.0	2.0	1132	$4,300	$3.80	23d	1	1.21mi
1377 Camero Dr Lady Lake, FL	3.0	2.0	1462	$5,500	$3.76	23d	1	1.26mi
1648 Belle Grove Dr The Villages, FL	2.0	2.0	1132	$4,250	$3.75	23d	1	1.28mi
17817 SE 115th Ct Unit 1 Summerfield, FL	3.0	2.0	2144	$2,300	$1.07	23d	1	1.31mi
1808 Peachtree Ave The Villages, FL	2.0	2.0	1182	$2,500	$2.12	23d	1	1.39mi
2006 Cardona Way Lady Lake, FL	2.0	2.0	1428	$3,900	$2.73	23d	1	1.43mi
10326 SE 162nd Place Rd Summerfield, FL	3.0	2.0	1419	$2,300	$1.62	15d	1	1.44mi

HOA detail

• Monthly dues: $175 · $2,100/yr

Listing history 38 events

1. 2026-06-18
   days on market $239,800 Active 208 DOM
2. 2026-06-17
   days on market $239,800 Active 207 DOM
3. 2026-06-16
   days on market $239,800 Active 206 DOM
4. 2026-06-15
   days on market $239,800 Active 205 DOM
5. 2026-06-14
   days on market $239,800 Active 203 DOM
6. 2026-06-13
   days on market $239,800 Active 202 DOM
7. 2026-06-10
   days on market $239,800 Active 200 DOM
8. 2026-06-09
   days on market $239,800 Active 199 DOM
9. 2026-06-08
   days on market $239,800 Active 198 DOM
10. 2026-06-07
    days on market $239,800 Active 197 DOM
11. 2026-06-03
    days on market $239,800 Active 193 DOM
12. 2026-06-02
    days on market $239,800 Active 192 DOM
13. 2026-05-31
    days on market $239,800 Active 190 DOM
14. 2026-05-30
    days on market $239,800 Active 189 DOM
15. 2026-01-02
    price $239,800 1819-char remark

    Show marketing remark (929 chars)

    **This property will convey with a brand new 2026 A/C system, already has a brand new 2025 roof** Beautifully Remodeled 3/2 in Spruce Creek South — Move-In Ready & Full of Charm! Dogwood Model split floor plan that sits on a big corner lot boasting a quarter acre! Step into this freshly renovated 3-bedroom, 2-bath home in the highly desirable Spruce Creek South community of Summerfield, FL! Situated on a generous corner lot, this home offers plenty of room to enjoy the outdoors—whether you envision a garden, a cozy firepit lounge, or a perfect play space. Inside, you'll be welcomed by a bright, open layout that flows effortlessly from the living room into the dining area and into a brand-new, beautifully updated kitchen that includes granite countertops and stainless steel appliances. With its modern finishes and thoughtful design, this space is ideal for both everyday living and hosting.

16. 2026-01-02
    price $239,800 929-char remark

    Show marketing remark (929 chars)

    **This property will convey with a brand new 2026 A/C system, already has a brand new 2025 roof** Beautifully Remodeled 3/2 in Spruce Creek South — Move-In Ready & Full of Charm! Dogwood Model split floor plan that sits on a big corner lot boasting a quarter acre! Step into this freshly renovated 3-bedroom, 2-bath home in the highly desirable Spruce Creek South community of Summerfield, FL! Situated on a generous corner lot, this home offers plenty of room to enjoy the outdoors—whether you envision a garden, a cozy firepit lounge, or a perfect play space. Inside, you'll be welcomed by a bright, open layout that flows effortlessly from the living room into the dining area and into a brand-new, beautifully updated kitchen that includes granite countertops and stainless steel appliances. With its modern finishes and thoughtful design, this space is ideal for both everyday living and hosting.

17. 2025-12-19
    price $244,600 929-char remark

    Show marketing remark (1819 chars)

    * * This property will convey with a brand new 2026 A/C system, already has a brand new 2025 roof * * Beautifully Remodeled 3/2 in Spruce Creek South — Move-In Ready & Full of Charm! Dogwood Model split floor plan that sits on a big corner lot boasting a quarter acre! Step into this freshly renovated 3-bedroom, 2-bath home in the highly desirable Spruce Creek South community of Summerfield, FL! Situated on a generous corner lot, this home offers plenty of room to enjoy the outdoors—whether you envision a garden, a cozy firepit lounge, or a perfect play space. Inside, you’ll be welcomed by a bright, open layout that flows effortlessly from the living room into the dining area and into a brand-new, beautifully updated kitchen that includes granite countertops and stainless steel appliances. With its modern finishes and thoughtful design, this space is ideal for both everyday living and hosting. The spacious primary bedroom features its own private slider leading out to the screened outdoor space, creating the perfect spot for morning coffee or evening relaxation. A two-car garage offers ample storage along with a utility sink for easy cleanups after yardwork or hobbies. Enjoy Florida living year-round on the large enclosed lanai, perfect for entertaining or simply unwinding. Located just minutes from the Spruce Creek Recreation Center, pickleball and tennis courts, and shaded gathering spots, you’ll love the convenience and neighborly spirit this golf-cart-friendly community is known for. You're only a short ride from everyday essentials including grocery stores, dining, and shopping. Come experience the updated comfort, community vibe, and fantastic location of this beautifully remodeled home in Spruce Creek South—your next chapter starts here!

18. 2025-12-19
    price $244,600 1819-char remark

    Show marketing remark (1819 chars)

    * * This property will convey with a brand new 2026 A/C system, already has a brand new 2025 roof * * Beautifully Remodeled 3/2 in Spruce Creek South — Move-In Ready & Full of Charm! Dogwood Model split floor plan that sits on a big corner lot boasting a quarter acre! Step into this freshly renovated 3-bedroom, 2-bath home in the highly desirable Spruce Creek South community of Summerfield, FL! Situated on a generous corner lot, this home offers plenty of room to enjoy the outdoors—whether you envision a garden, a cozy firepit lounge, or a perfect play space. Inside, you’ll be welcomed by a bright, open layout that flows effortlessly from the living room into the dining area and into a brand-new, beautifully updated kitchen that includes granite countertops and stainless steel appliances. With its modern finishes and thoughtful design, this space is ideal for both everyday living and hosting. The spacious primary bedroom features its own private slider leading out to the screened outdoor space, creating the perfect spot for morning coffee or evening relaxation. A two-car garage offers ample storage along with a utility sink for easy cleanups after yardwork or hobbies. Enjoy Florida living year-round on the large enclosed lanai, perfect for entertaining or simply unwinding. Located just minutes from the Spruce Creek Recreation Center, pickleball and tennis courts, and shaded gathering spots, you’ll love the convenience and neighborly spirit this golf-cart-friendly community is known for. You're only a short ride from everyday essentials including grocery stores, dining, and shopping. Come experience the updated comfort, community vibe, and fantastic location of this beautifully remodeled home in Spruce Creek South—your next chapter starts here!

19. 2025-12-06
    price $248,700 929-char remark

    Show marketing remark (929 chars)

    **This property will convey with a brand new 2026 A/C system, already has a brand new 2025 roof** Beautifully Remodeled 3/2 in Spruce Creek South — Move-In Ready & Full of Charm! Dogwood Model split floor plan that sits on a big corner lot boasting a quarter acre! Step into this freshly renovated 3-bedroom, 2-bath home in the highly desirable Spruce Creek South community of Summerfield, FL! Situated on a generous corner lot, this home offers plenty of room to enjoy the outdoors—whether you envision a garden, a cozy firepit lounge, or a perfect play space. Inside, you'll be welcomed by a bright, open layout that flows effortlessly from the living room into the dining area and into a brand-new, beautifully updated kitchen that includes granite countertops and stainless steel appliances. With its modern finishes and thoughtful design, this space is ideal for both everyday living and hosting.

20. 2025-12-05
    price $248,700 1819-char remark

    Show marketing remark (1819 chars)

    * * This property will convey with a brand new 2026 A/C system, already has a brand new 2025 roof * * Beautifully Remodeled 3/2 in Spruce Creek South — Move-In Ready & Full of Charm! Dogwood Model split floor plan that sits on a big corner lot boasting a quarter acre! Step into this freshly renovated 3-bedroom, 2-bath home in the highly desirable Spruce Creek South community of Summerfield, FL! Situated on a generous corner lot, this home offers plenty of room to enjoy the outdoors—whether you envision a garden, a cozy firepit lounge, or a perfect play space. Inside, you’ll be welcomed by a bright, open layout that flows effortlessly from the living room into the dining area and into a brand-new, beautifully updated kitchen that includes granite countertops and stainless steel appliances. With its modern finishes and thoughtful design, this space is ideal for both everyday living and hosting. The spacious primary bedroom features its own private slider leading out to the screened outdoor space, creating the perfect spot for morning coffee or evening relaxation. A two-car garage offers ample storage along with a utility sink for easy cleanups after yardwork or hobbies. Enjoy Florida living year-round on the large enclosed lanai, perfect for entertaining or simply unwinding. Located just minutes from the Spruce Creek Recreation Center, pickleball and tennis courts, and shaded gathering spots, you’ll love the convenience and neighborly spirit this golf-cart-friendly community is known for. You're only a short ride from everyday essentials including grocery stores, dining, and shopping. Come experience the updated comfort, community vibe, and fantastic location of this beautifully remodeled home in Spruce Creek South—your next chapter starts here!

21. 2025-11-22
    listed $258,800 Active 1819-char remark

    Show marketing remark (929 chars)

    **This property will convey with a brand new 2026 A/C system, already has a brand new 2025 roof** Beautifully Remodeled 3/2 in Spruce Creek South — Move-In Ready & Full of Charm! Dogwood Model split floor plan that sits on a big corner lot boasting a quarter acre! Step into this freshly renovated 3-bedroom, 2-bath home in the highly desirable Spruce Creek South community of Summerfield, FL! Situated on a generous corner lot, this home offers plenty of room to enjoy the outdoors—whether you envision a garden, a cozy firepit lounge, or a perfect play space. Inside, you'll be welcomed by a bright, open layout that flows effortlessly from the living room into the dining area and into a brand-new, beautifully updated kitchen that includes granite countertops and stainless steel appliances. With its modern finishes and thoughtful design, this space is ideal for both everyday living and hosting.

22. 2025-11-22
    listed $258,800 Active 929-char remark

    Show marketing remark (929 chars)

    **This property will convey with a brand new 2026 A/C system, already has a brand new 2025 roof** Beautifully Remodeled 3/2 in Spruce Creek South — Move-In Ready & Full of Charm! Dogwood Model split floor plan that sits on a big corner lot boasting a quarter acre! Step into this freshly renovated 3-bedroom, 2-bath home in the highly desirable Spruce Creek South community of Summerfield, FL! Situated on a generous corner lot, this home offers plenty of room to enjoy the outdoors—whether you envision a garden, a cozy firepit lounge, or a perfect play space. Inside, you'll be welcomed by a bright, open layout that flows effortlessly from the living room into the dining area and into a brand-new, beautifully updated kitchen that includes granite countertops and stainless steel appliances. With its modern finishes and thoughtful design, this space is ideal for both everyday living and hosting.

23. 2025-06-30
    soldstatus $145,000 Closed
24. 2025-06-06
    status Pending
25. 2025-05-23
    price $195,000
26. 2025-04-18
    price $220,000
27. 2025-02-02
    listed $230,000 Active
28. 2010-08-31
    soldstatus $112,000
29. 2010-08-27
    soldstatus $112,000
30. 2010-08-27
    soldstatus $112,000
31. 2010-03-01
    listed $122,900
32. 2010-03-01
    listed $122,900
33. 2010-02-11
    historical
34. 2010-02-11
    historical
35. 2009-02-16
    listed $129,900
36. 2009-02-16
    listed $129,900
37. 2003-04-21
    soldstatus $104,000
38. 1990-11-01
    soldstatus $80,800

ⓘ 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: $1,439 · $120/mo
• Projected year-2 tax: $1,990 · $166/mo
• Expected delta: +$552/yr (+$46/mo · 38.3%)

ⓘ 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 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $25,961
• − Mortgage interest: −$13,433
• − Property taxes: −$1,439
• − Insurance: −$1,199
• − Repairs & maintenance: −$2,077
• − Management: −$2,077
• − HOA: −$2,100
• − Depreciation: −$6,976
• Taxable loss: −$3,339
• Est. tax savings @ 24.0%: +$801
• After-tax cash flow: $1,482/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 — The Villages

• Score: 70/100
• State rank: #431
• US rank: #7363

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 83,973
• Metro: Ocala, FL
• Population (ZIP): 33,318
• Household income: $66,679
• Rent vs Own: 13.2% rent · 86.8% own
• Severe rent burden: 256.0

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 (77%)
• Race & ethnicity: White 77% Hispanic / Latino 14% Two or more races 9% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 1%
• Common ancestry: Lithuanian 3% Slovak 2% Romanian 2%
• Foreign-born: 8% · Canada, Vietnam, Jamaica
• Languages at home: 85% English-only · Spanish 11% Vietnamese 1% French/Haitian/Cajun 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: ▼ -107.67%
• Current HPI: 200.0792
• Rent YoY: —
• 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

+196.8% since first listed

24 events — show timeline

• 2026-01-02 Price Changed $239,800 Stellar MLS as Distributed by MLS Grid
• 2026-01-02 Price Changed $239,800 realMLS
• 2025-12-19 Price Changed $244,600 realMLS
• 2025-12-19 Price Changed $244,600 Stellar MLS as Distributed by MLS Grid
• 2025-12-06 Price Changed $248,700 realMLS
• 2025-12-05 Price Changed $248,700 Stellar MLS as Distributed by MLS Grid
• 2025-11-22 Listed $258,800 realMLS
• 2025-11-22 Listed $258,800 Stellar MLS as Distributed by MLS Grid
• 2025-06-30 Sold (MLS) $145,000 Stellar MLS as Distributed by MLS Grid
• 2025-06-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-05-23 Price Changed $195,000 Stellar MLS as Distributed by MLS Grid
• 2025-04-18 Price Changed $220,000 Stellar MLS as Distributed by MLS Grid
• 2025-02-02 Listed $230,000 Stellar MLS as Distributed by MLS Grid
• 2010-08-31 Sold (Public Records) $112,000 Public Records
• 2010-08-27 Sold (MLS) $112,000 Stellar MLS as Distributed by MLS Grid
• 2010-08-27 Sold (MLS) $112,000 Stellar MLS as Distributed by MLS Grid
• 2010-03-01 Listed $122,900 Stellar MLS as Distributed by MLS Grid
• 2010-03-01 Listed $122,900 Stellar MLS as Distributed by MLS Grid
• 2010-02-11 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-02-11 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2009-02-16 Listed $129,900 Stellar MLS as Distributed by MLS Grid
• 2009-02-16 Listed $129,900 Stellar MLS as Distributed by MLS Grid
• 2003-04-21 Sold (Public Records) $104,000 Public Records
• 1990-11-01 Sold (Public Records) $80,800 Public Records

Property tax history

+3.6%/yr

Latest (2025): $1,439 · +19.8% YoY. Source: county tax records.