14350 SW 39th Court Rd · Marion Oaks, FL 34473

$238,900

3 bd · 2.0 ba · 1,411 sqft · SingleFamily public records · 24 Days on market

Built 1977 7,405 sqft lot Est $220k · 9% over

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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 +14.2/30.0
• DSCR +4.3/10.0
• ARV discount +3.7/15.0
• Schools +3.6/10.0
• 1% rule +2.8/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

Offers being reviewed on Sunday, June 21st Priced aggressively. Do not wait. Pool home with four usable bedrooms, two full baths, and a roof replaced in 2021. The fourth bedroom has a closet and full functionality — public record shows three, the floor plan gives you four. New roof. Private pool. Motivated seller. Hard deadline. Showings available now. Offers due by June 21st. Call the listing agent before someone else does.

Key facts

• Private pool
• New roof
• 7,405 sq ft lot

Tags

• NEW ROOF
• PRIVATE POOL

Property features AI

Finance

• Other: Homestead exempt; Zoning: R1; Lot about 0.17 acre
• HOA & community: No association (HOA) indicated

Exterior

• Parking: Attached garage (1 car)
• Utilities: Public water; Public sewer; Electricity connected
• Home design: Single family residence; One story; Faces east; Residential property
• Construction: Block and concrete construction; Shingle roof; Slab foundation; Built with public records living area 1411 sq ft
• Exterior features: Private in-ground pool; Paved road access

Interior

• Kitchen: Range; Microwave; Refrigerator; Dishwasher
• Bedrooms: 3 bedrooms
• Flooring: Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Blinds
• Laundry & utility: Washer; Dryer; Laundry closet

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $239k.

Deal economics

• At list price, monthly cash flow is $40 ($484/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 $186k (22.1% below list).
• Recommended offer: $186k (22.1% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 4.8% in Marion Oaks — 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 (-0.7%/yr); 1372 active listings in the ZIP; 40 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 31% of the median local income ($72k/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 24 days — a 2% lower offer ($235k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 23y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $73k; list at $239k implies a 227% 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 $186,010 (22.1% below list)

Questions for the listing agent

1. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
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: 0.78% ✗
• Cap rate: 6.50%
• Cash-on-cash: 0.72%
• DSCR: 1.03
• GRM: 10.7

CMA / ARV

• ARV (on-the-fly): $220,116
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4095 SW 144th St	0.12mi	3/2.0	1,483 (+5%)	12mo	$206,000	$139	76
14556 SW 45th Cir	0.42mi	3/2.0	1,378 (-2%)	14mo	$238,900	$173	65
3573 SW 147th Lane Rd	0.44mi	3/2.0	1,328 (-6%)	7mo	$179,900	$135	64
14526 SW 43rd Court Rd	0.33mi	3/2.0	1,344 (-5%)	21mo	$209,000	$156	59
14530 SW 35th Terrace Rd	0.29mi	2/2.0 (-1)	1,325 (-6%)	18mo	$199,000	$150	56
14545 SW 34th Terrace Rd	0.45mi	3/2.0	1,285 (-9%)	11mo	$178,000	$139	55
14090 SW 34th Terrace Rd	0.26mi	3/2.0	1,568 (+11%)	19mo	$128,500	$82	53
14870 SW 43rd Ct	0.66mi	3/2.0	1,458 (+3%)	15mo	$303,500	$208	51
173 Marion Oaks Ln	0.45mi	2/2.0 (-1)	1,289 (-9%)	15mo	$159,000	$123	48
14742 SW 43rd Terrace Rd	0.60mi	3/2.0	1,514 (+7%)	15mo	$272,500	$180	47
4756 SW 143rd Loop	0.70mi	3/2.0	1,228 (-13%)	23mo	$276,000	$225	26
15011 SW 37th Ter	0.72mi	2/2.0 (-1)	1,240 (-12%)	18mo	$210,000	$169	26

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: -18.2%
• Equity multiple: 0.38×
• Total profit: $-41,701
• Equity at exit: $35,621

10-year hold

• IRR: -16.7%
• Equity multiple: 0.19×
• Total profit: $-54,509
• Equity at exit: $20,656

Cash invested: $66,892 (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 34473

• Home prices YoY: -16.8%
• Rents YoY: -0.7%
• Active inventory: 1372
• Price-to-rent: 10.7×

Monthly cashflow live

• Estimated rent: $1,860 high
• Mortgage (P&I): −$1,253
• Tax from tax record: −$77 /mo · $921/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$391
• Net cashflow: $40

Break-even live

Break-even rent $1,809

Max offer price $238,900

Occupancy floor 93%

Sensitivity live

Price	-10% $176	-5% $108	+0% $40	+5% $-27	+10% $-95
Rent	-10% $-107	-5% $-33	+0% $40	+5% $114	+10% $187
Rate	-1.0pp $161	-0.5pp $101	base $40	+0.5pp $-22	+1.0pp $-85

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: $59,725
• Closing costs: $7,167
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14430 SW 34th Terrace Rd Ocala, FL	2.0	2.0	1025	$1,350	$1.32	15d	1	0.27mi
4309 SW 143rd Lane Rd Ocala, FL	3.0	2.0	1238	$1,799	$1.45	15d	1	0.28mi
14525 SW 42nd Terrace Rd Ocala, FL	3.0	2.0	1344	$1,850	$1.38	15d	1	0.38mi
14193 SW 44th Ct Ocala, FL	3.0	2.0	1449	$1,599	$1.10	15d	1	0.43mi
4004 SW 138th Pl Ocala, FL	3.0	2.0	1348	$1,695	$1.26	22d	1	0.45mi
251 Marion Oaks Crse Ocala, FL	3.0	2.0	1373	$1,795	$1.31	22d	1	0.62mi
13731 SW 40th Cir Ocala, FL	3.0	2.0	1463	$1,695	$1.16	15d	1	0.62mi
13805 SW 43rd Cir Ocala, FL	4.0	2.0	1494	$1,800	$1.20	22d	1	0.66mi
14856 SW 35th Cir Ocala, FL	2.0	2.0	1036	$1,450	$1.40	15d	1	0.68mi
14614 SW 46th Ct Ocala, FL	3.0	2.0	1200	$1,800	$1.50	22d	1	0.70mi
3313 SW 147th St Ocala, FL	2.0	2.0	1121	$1,400	$1.25	22d	1	0.75mi
13690 SW 43rd Cir Ocala, FL	4.0	3.0	1802	$2,200	$1.22	15d	1	0.79mi
3500 SW 150th Lane Rd Ocala, FL	3.0	2.0	1789	$1,750	$0.98	15d	1	0.86mi
4572 SW 149th St Ocala, FL	4.0	2.0	1751	$1,950	$1.11	22d	1	0.86mi
3567 SW 151st St Ocala, FL	2.0	2.0	1126	$1,450	$1.29	22d	1	0.87mi
14007 SW 30th Terrace Rd Ocala, FL	3.0	2.0	1710	$1,675	$0.98	22d	1	0.88mi
14843 SW 48th Ave Ocala, FL	4.0	2.0	1573	$1,725	$1.10	22d	1	0.90mi
4484 SW 151st St Ocala, FL	4.0	2.0	1578	$1,750	$1.11	22d	1	0.92mi
3995 SW 134th St Ocala, FL	4.0	2.0	1751	$2,100	$1.20	22d	1	0.94mi
13401 SW 43rd Avenue Rd Ocala, FL	3.0	2.0	1514	$1,900	$1.25	15d	1	0.96mi
14919 SW 46th Cir Ocala, FL	4.0	3.0	1870	$2,000	$1.07	15d	1	0.99mi
13341 SW 29th Cir Ocala, FL	3.0	2.0	1596	$1,725	$1.08	15d	1	1.02mi
13341 SW 29th Cir Unit NA Ocala, FL	3.0	2.0	1596	$1,685	$1.06	22d	1	1.02mi
4052 SW 132nd Ln Ocala, FL	4.0	2.0	1751	$2,000	$1.14	22d	1	1.03mi
14965 SW 48th Ave Ocala, FL	4.0	2.0	1342	$1,700	$1.27	15d	1	1.03mi
422 Marion Oaks Crse Ocala, FL	4.0	2.0	1578	$1,900	$1.20	15d	1	1.04mi
15018 SW 48th Ave Ocala, FL	3.0	2.0	1413	$1,625	$1.15	15d	1	1.06mi
15209 SW 46th Cir Ocala, FL	3.0	2.0	1691	$1,650	$0.98	22d	1	1.11mi
4967 SW 150th Ln Ocala, FL	4.0	2.0	1696	$1,950	$1.15	22d	1	1.13mi
14245 SW 28th Ct Ocala, FL	4.0	2.0	1774	$1,900	$1.07	15d	1	1.13mi
13410 SW 31st Terrace Rd Ocala, FL	4.0	2.0	1787	$1,899	$1.06	22d	1	1.17mi
13416 SW 31st Terrace Rd Ocala, FL	4.0	2.0	1787	$2,199	$1.23	15d	1	1.17mi
4428 SW 132nd St Ocala, FL	3.0	2.0	1600	$1,700	$1.06	22d	1	1.18mi
3011 SW 140th Loop Ocala, FL	3.0	2.0	1335	$1,695	$1.27	22d	1	1.18mi
2730 SW 145th Place Rd Ocala, FL	3.0	2.0	1373	$1,725	$1.26	22d	1	1.20mi
15568 SW 46th Cir Ocala, FL	4.0	2.0	1833	$2,200	$1.20	15d	1	1.25mi
15415 SW 34th Ave Ocala, FL	3.0	2.0	1650	$1,895	$1.15	22d	1	1.25mi
15712 SW 37th Cir Ocala, FL	3.0	2.0	1822	$1,850	$1.02	22d	1	1.26mi
2211 SW 153rd Place Rd Ocala, FL	4.0	2.0	1730	$2,000	$1.16	22d	1	1.27mi
2632 SW 145th Place Rd Ocala, FL	3.0	2.0	1488	$1,675	$1.13	15d	1	1.28mi

Listing history 40 events

1. 2026-06-21
   days on market $238,900 Active 24 DOM
2. 2026-06-18
   days on market $238,900 Active 21 DOM
3. 2026-06-17
   days on market $238,900 Active 20 DOM
4. 2026-06-16
   days on market $238,900 Active 19 DOM
5. 2026-06-15
   remarks 428-char remark
6. 2026-06-15
   days on market $238,900 Active 18 DOM
7. 2026-06-14
   days on market $238,900 Active 16 DOM
8. 2026-06-13
   days on market $238,900 Active 15 DOM
9. 2026-06-10
   days on market $238,900 Active 13 DOM
10. 2026-06-09
    days on market $238,900 Active 12 DOM
11. 2026-06-08
    remarks 412-char remark
12. 2026-06-08
    days on market $238,900 Active 11 DOM
13. 2026-06-07
    days on market $238,900 Active 10 DOM
14. 2026-06-03
    days on market $238,900 Active 6 DOM
15. 2026-06-02
    days on market $238,900 Active 5 DOM
16. 2026-06-01
    days on market $238,900 Active 4 DOM
17. 2026-05-31
    days on market $238,900 Active 3 DOM
18. 2026-05-30
    days on market $238,900 Active 2 DOM
19. 2026-05-28
    listed $238,900 Active
20. 2024-10-22
    historical
21. 2024-10-13
    status Active
22. 2024-10-13
    price $255,000
23. 2024-10-01
    price $267,900
24. 2024-09-23
    price $260,000
25. 2024-09-05
    price $267,000
26. 2024-09-01
    price $274,950
27. 2024-07-29
    listed $274,900 Active
28. 2012-02-23
    historical
29. 2012-02-02
    listed $49,950
30. 2006-07-09
    historical
31. 2006-05-18
    listed $149,900
32. 2006-05-15
    historical
33. 2006-04-28
    listed $159,900
34. 2005-04-05
    historical
35. 2004-10-09
    listed $92,900
36. 2004-07-02
    soldstatus $73,000
37. 2004-06-25
    soldstatus $73,000
38. 2003-11-07
    listed $79,900
39. 1996-04-09
    soldstatus $69,900
40. 1995-03-01
    soldstatus $47,500

ⓘ 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: $921 · $77/mo
• Projected year-2 tax: $1,983 · $165/mo
• Expected delta: +$1,062/yr (+$88/mo · 115.3%)

ⓘ 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 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 3/10 Moderate 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,321
• − Mortgage interest: −$13,382
• − Property taxes: −$921
• − Insurance: −$1,194
• − Repairs & maintenance: −$1,786
• − Management: −$1,786
• − Depreciation: −$6,950
• Taxable loss: −$3,698
• Est. tax savings @ 24.0%: +$887
• After-tax cash flow: $1,372/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 — Marion Oaks

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

Census & demographics

• Census place: Marion Oaks, FL
• County: Marion County · 315,796 people
• City population: 25,030
• Metro: Ocala, FL
• Population (ZIP): 26,813
• Household income: $72,366
• Rent vs Own: 21.5% rent · 78.5% own
• Severe rent burden: 228.0

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 0.69)
• Race & ethnicity: White 34% Black 33% Hispanic / Latino 29% Two or more races 19% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 17% Cuban 3%
• Common ancestry: Hispanic 3% Portuguese 2% Romanian 1%
• Foreign-born: 17% · Canada, Jamaica
• Languages at home: 67% English-only · Spanish 27% French/Haitian/Cajun 4% 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: ▼ -45.25%
• Current HPI: 224.3536
• Rent YoY: ▼ -0.67%
• 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

+402.9% since first listed

22 events — show timeline

• 2026-05-28 Listed $238,900 Stellar MLS as Distributed by MLS Grid
• 2024-10-22 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-10-13 Relisted — Stellar MLS as Distributed by MLS Grid
• 2024-10-13 Price Changed $255,000 Stellar MLS as Distributed by MLS Grid
• 2024-10-01 Price Changed $267,900 Stellar MLS as Distributed by MLS Grid
• 2024-09-23 Price Changed $260,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-05 Price Changed $267,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-01 Price Changed $274,950 Stellar MLS as Distributed by MLS Grid
• 2024-07-29 Listed $274,900 Stellar MLS as Distributed by MLS Grid
• 2012-02-23 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2012-02-02 Listed $49,950 Stellar MLS as Distributed by MLS Grid
• 2006-07-09 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2006-05-18 Listed $149,900 Stellar MLS as Distributed by MLS Grid
• 2006-05-15 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2006-04-28 Listed $159,900 Stellar MLS as Distributed by MLS Grid
• 2005-04-05 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2004-10-09 Listed $92,900 Stellar MLS as Distributed by MLS Grid
• 2004-07-02 Sold (Public Records) $73,000 Public Records
• 2004-06-25 Sold (MLS) $73,000 Stellar MLS as Distributed by MLS Grid
• 2003-11-07 Listed $79,900 Stellar MLS as Distributed by MLS Grid
• 1996-04-09 Sold (Public Records) $69,900 Public Records
• 1995-03-01 Sold (Public Records) $47,500 Public Records

Property tax history

+5.5%/yr

Latest (2025): $921 · +32.8% YoY. Source: county tax records.