13059 NE 44th Ln · Silver Springs, FL 34488

$99,900

2 bd · 2.0 ba · 728 sqft · Manufactured public records · 365 Days on market

Built 1986 7,405 sqft lot

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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).

• Cash flow +27.4/30.0
• DSCR +9.6/10.0
• ARV discount +7.5/15.0
• 1% rule +6.8/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

OWNER MOTIVATED!! Looking for an affordable 2-bedroom, 1 and one half bath manufactured home with NO HOA? Enjoy the spacious and inviting open floor plan, ideal for entertaining, living, and relaxing. Step outside to a large screened patio, perfect for enjoying evenings outdoors. The property features a large outdoor storage shed and is completely fenced for added privacy. With a convenient carport and durable metal roof, this home combines comfort and functionality. Close to Springs, the Ocala National Forest, within driving distance to the Beach, and yet still close to town! Don't miss out on this fantastic opportunity – schedule your viewing today!

Key facts

• Durable metal roof
• Open floor plan
• Large screened patio

Tags

• OPEN FLOOR PLAN
• LARGE SCREENED PATIO
• OUTDOOR STORAGE SHED
• COMPLETELY FENCED
• CONVENIENT CARPORT
• DURABLE METAL ROOF

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $100k.

Deal economics

• At list price, monthly cash flow is $291 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.
• Cap rate 9.8% vs local median 4.6% in Silver Springs — 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 C — 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.
• Zoned schools: Fort Mccoy School (math 35% / reading 35%, grade F, #1,697 of 2,144 statewide, top 80%, 964 students, 73% FRL); Lake Weir High School (math 23% / reading 34%, grade F, #458 of 667 statewide, top 69%, 1,483 students, 68% FRL).
• Market conditions: 202 active listings in the ZIP; 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 $691 of loan paydown is wiped out by about $3k 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.
• At projected returns (-3.0% appreciation + 3.0% rent growth), your $28k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 365 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $5k; list at $100k implies a 1898% 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; major wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $87,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 365 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.18% ✓
• Cap rate: 9.79%
• Cash-on-cash: 12.49%
• DSCR: 1.56
• GRM: 7.0

CMA / ARV

No comps found within radius.

Projected returns pro-forma

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

5-year hold

• IRR: 2.2%
• Equity multiple: 1.08×
• Total profit: $2,340
• Equity at exit: $14,895

10-year hold

• IRR: 11.8%
• Equity multiple: 1.92×
• Total profit: $25,864
• Equity at exit: $8,638

Cash invested: $27,972 (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 34488

• Home prices YoY: -26.1%
• Active inventory: 202
• Price-to-rent: 7.0×

Monthly cashflow live

• Estimated rent: $1,183 medium
• Mortgage (P&I): −$524
• Tax from tax record: −$78 /mo · $935/yr
• Insurance: −$42
• HOA: −$0
• Vacancy / Maint / Mgmt: −$248
• Net cashflow: $291

Break-even live

Break-even rent $814

Max offer price $99,900

Occupancy floor 70%

Sensitivity live

Price	-10% $348	-5% $319	+0% $291	+5% $263	+10% $235
Rent	-10% $198	-5% $244	+0% $291	+5% $338	+10% $385
Rate	-1.0pp $341	-0.5pp $316	base $291	+0.5pp $265	+1.0pp $239

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: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Listing history 22 events

1. 2026-06-22
   days on market $99,900 Active 365 DOM
2. 2026-06-18
   days on market $99,900 Active 362 DOM
3. 2026-06-17
   days on market $99,900 Active 361 DOM
4. 2026-06-16
   days on market $99,900 Active 360 DOM
5. 2026-06-15
   days on market $99,900 Active 359 DOM
6. 2026-06-14
   days on market $99,900 Active 357 DOM
7. 2026-06-13
   days on market $99,900 Active 356 DOM
8. 2026-06-10
   days on market $99,900 Active 354 DOM
9. 2026-06-09
   days on market $99,900 Active 353 DOM
10. 2026-06-08
    days on market $99,900 Active 352 DOM
11. 2026-06-07
    days on market $99,900 Active 351 DOM
12. 2026-06-03
    days on market $99,900 Active 347 DOM
13. 2026-06-02
    days on market $99,900 Active 346 DOM
14. 2026-05-31
    days on market $99,900 Active 344 DOM
15. 2026-05-30
    days on market $99,900 Active 343 DOM
16. 2026-04-28
    price $99,900 667-char remark

    Show marketing remark (667 chars)

    OWNER MOTIVATED!! Looking for an affordable 2-bedroom, 1 and one half bath manufactured home with NO HOA? Enjoy the spacious and inviting open floor plan, ideal for entertaining, living, and relaxing. Step outside to a large screened patio, perfect for enjoying evenings outdoors. The property features a large outdoor storage shed and is completely fenced for added privacy. With a convenient carport and durable metal roof, this home combines comfort and functionality. Close to Springs, the Ocala National Forest, within driving distance to the Beach, and yet still close to town! Don't miss out on this fantastic opportunity – schedule your viewing today!

17. 2026-02-25
    price $114,999 667-char remark

    Show marketing remark (667 chars)

    OWNER MOTIVATED!! Looking for an affordable 2-bedroom, 1 and one half bath manufactured home with NO HOA? Enjoy the spacious and inviting open floor plan, ideal for entertaining, living, and relaxing. Step outside to a large screened patio, perfect for enjoying evenings outdoors. The property features a large outdoor storage shed and is completely fenced for added privacy. With a convenient carport and durable metal roof, this home combines comfort and functionality. Close to Springs, the Ocala National Forest, within driving distance to the Beach, and yet still close to town! Don't miss out on this fantastic opportunity – schedule your viewing today!

18. 2025-10-20
    price $125,000 667-char remark

    Show marketing remark (667 chars)

    OWNER MOTIVATED!! Looking for an affordable 2-bedroom, 1 and one half bath manufactured home with NO HOA? Enjoy the spacious and inviting open floor plan, ideal for entertaining, living, and relaxing. Step outside to a large screened patio, perfect for enjoying evenings outdoors. The property features a large outdoor storage shed and is completely fenced for added privacy. With a convenient carport and durable metal roof, this home combines comfort and functionality. Close to Springs, the Ocala National Forest, within driving distance to the Beach, and yet still close to town! Don't miss out on this fantastic opportunity – schedule your viewing today!

19. 2025-10-01
    price $135,000 667-char remark

    Show marketing remark (667 chars)

    OWNER MOTIVATED!! Looking for an affordable 2-bedroom, 1 and one half bath manufactured home with NO HOA? Enjoy the spacious and inviting open floor plan, ideal for entertaining, living, and relaxing. Step outside to a large screened patio, perfect for enjoying evenings outdoors. The property features a large outdoor storage shed and is completely fenced for added privacy. With a convenient carport and durable metal roof, this home combines comfort and functionality. Close to Springs, the Ocala National Forest, within driving distance to the Beach, and yet still close to town! Don't miss out on this fantastic opportunity – schedule your viewing today!

20. 2025-08-14
    price $145,000 667-char remark

    Show marketing remark (667 chars)

    OWNER MOTIVATED!! Looking for an affordable 2-bedroom, 1 and one half bath manufactured home with NO HOA? Enjoy the spacious and inviting open floor plan, ideal for entertaining, living, and relaxing. Step outside to a large screened patio, perfect for enjoying evenings outdoors. The property features a large outdoor storage shed and is completely fenced for added privacy. With a convenient carport and durable metal roof, this home combines comfort and functionality. Close to Springs, the Ocala National Forest, within driving distance to the Beach, and yet still close to town! Don't miss out on this fantastic opportunity – schedule your viewing today!

21. 2025-06-21
    listed $150,000 Active 667-char remark

    Show marketing remark (667 chars)

    OWNER MOTIVATED!! Looking for an affordable 2-bedroom, 1 and one half bath manufactured home with NO HOA? Enjoy the spacious and inviting open floor plan, ideal for entertaining, living, and relaxing. Step outside to a large screened patio, perfect for enjoying evenings outdoors. The property features a large outdoor storage shed and is completely fenced for added privacy. With a convenient carport and durable metal roof, this home combines comfort and functionality. Close to Springs, the Ocala National Forest, within driving distance to the Beach, and yet still close to town! Don't miss out on this fantastic opportunity – schedule your viewing today!

22. 1995-07-06
    soldstatus $5,000

ⓘ 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: $935 · $78/mo
• Projected year-2 tax: $935 · $78/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 6/10 Major
• 🌡 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 · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $14,195
• − Mortgage interest: −$5,596
• − Property taxes: −$935
• − Insurance: −$500
• − Repairs & maintenance: −$1,136
• − Management: −$1,136
• − Depreciation: −$2,906
• Taxable income: $1,987
• Est. tax owed @ 24.0%: −$477
• After-tax cash flow: $3,016/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

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Population (ZIP): 11,525

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 (79%)
• Race & ethnicity: White 79% Hispanic / Latino 9% Two or more races 8% Black 8%
• Hispanic origin (detail): Puerto Rican 6%
• Common ancestry: Serbian 2% Romanian 2% Lithuanian 2%
• Foreign-born: 2% · Canada
• Languages at home: 90% English-only · Spanish 7% Other Indo-European 2%

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: ▼ -80.45%
• Current HPI: 227.3763
• Rent YoY: —
• Metro: —
• 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

+1898.0% since first listed

7 events — show timeline

• 2026-04-28 Price Changed $99,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-25 Price Changed $114,999 Stellar MLS as Distributed by MLS Grid
• 2025-10-20 Price Changed $125,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-01 Price Changed $135,000 Stellar MLS as Distributed by MLS Grid
• 2025-08-14 Price Changed $145,000 Stellar MLS as Distributed by MLS Grid
• 2025-06-21 Listed $150,000 Stellar MLS as Distributed by MLS Grid
• 1995-07-06 Sold (Public Records) $5,000 Public Records

Property tax history

+12.1%/yr

Latest (2025): $935 · +26.1% YoY. Source: county tax records.