4975 NW 39th Loop · Ocala, FL 34482

$320,000

4 bd · 2.0 ba · 2,036 sqft · SingleFamily public records · 41 Days on market

Built 2024 Good condition 5,663 sqft lot $157/sqft · 12% below area Est $364k · 12% under $527/mo HOA · 18% 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).

• ARV discount +13.0/15.0
• Cash flow +5.9/30.0
• Rent growth +5.0/5.0
• Condition / age +4.0/5.0
• 1% rule +3.9/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• DSCR +0.3/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Beautifully built in 2024, this Delray model offers over 2,030 square feet of under air living space with a layout that feels open, bright, and inviting from the moment you walk inside. Located in the highly desirable all ages section of Ocala Preserve, this 4 bedroom, 2 bathroom home combines comfort, style, and easy Florida living. The open concept design creates the perfect gathering space and truly serves as the heart of the home, ideal for everyday living, entertaining family and friends, or simply relaxing together. Large windows fill the living areas with natural light while the spacious kitchen offers stainless steel appliances, stone countertops, ample cabinetry, and a large center island perfect for hosting and gathering. The primary suite is generously sized and features a deep walk in closet along with an upgraded bathroom complete with dual vanities and a stand up shower. The guest bathroom includes a shower and tub combo with a deep vanity for added convenience. You will also love the dedicated laundry room with washer and dryer included, plus a spacious 2 car garage. Step outside to the covered lanai overlooking the large fenced backyard with plenty of room for pets, play, entertaining, or simply enjoying peaceful Florida evenings. Residents of Ocala Preserve enjoy resort style amenities including an on site restaurant, spa, fitness center, tennis and pickleball courts, golf course, and an active social calendar with resident run clubs and activities. Lawn and landscaping maintenance are also included in the monthly fee, giving you more time to relax and enjoy the lifestyle you deserve.

Key facts

• Large windows
• Large center island
• Stone countertops

Tags

• OPEN CONCEPT DESIGN
• LARGE WINDOWS
• SPACIOUS KITCHEN
• STAINLESS STEEL APPLIANCES
• STONE COUNTERTOPS
• LARGE CENTER ISLAND

Property features AI

Finance

• Other: Lease restrictions apply
• Financial info: Other annual assessment noted
• HOA & community: Ocala Preserve community; Monthly HOA approximately $527.88 (quarterly fee shown as $1,583.64); Association approval required; HOA covers internet and grounds maintenance; Community amenities include gated entry, golf, pool, and pickleball courts; Pets allowed (cats and dogs)

Exterior

• Parking: Attached 2-car garage
• Security: Guard-gated community
• Utilities: Public water; Public sewer; Electricity connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; Faces northwest; Located in a planned unit development (PUD)
• Construction: Block, brick, concrete and stucco construction; Shingle roof; Slab foundation; Built as single-level living
• Exterior features: Rain gutters; Sliding doors; Irrigation equipment; Paved road access; Lot dimensions approximately 50 x 115

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Eat-in kitchen; Living room/dining room combo; Open floorplan; Solid surface counters; Solid wood cabinets; Split bedroom layout; Stone counters; Thermostat; Walk-in closets
• Laundry & utility: Inside laundry room

What this means for you Summary

Snapshot

• This is a 4-bed/2.0-bath single-family listed at $320k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-627 ($-8k/yr) — negative.
• To cash-flow at today's rent, offer at most $209k (34.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $285k (10.9% below list).
• Recommended offer: $209k (34.6% below list) — sets the bar for cash-flow.

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); 670 active listings in the ZIP; 22 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).
• At $2,851/mo this rent would consume 52% of the median local household income ($66k/yr) (locally 282% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $10k 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 41 days — a 3% lower offer ($310k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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.

Recommended offer $209,183 (34.6% 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 41 days. Have you received any prior offers? Is the seller open to a 35% 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. 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: 0.89% ✗
• Cap rate: 3.94%
• Cash-on-cash: -8.40%
• DSCR: 0.63
• GRM: 9.4

CMA / ARV

• ARV (median comp): $364,422
• List price: $320,000
• Delta: -12.19%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
4811 NW 39th Pl	0.19mi	3/2.0 (-1)	1,844 (-9%)	2mo	$317,665	$172	69
4361 NW 55th Ct	0.50mi	4/2.0	2,038 (+0%)	19mo	$320,000	$157	61
5567 NW 45th Ln	0.64mi	3/2.5 (-1)	2,023 (-1%)	5mo	$412,990	$204	58
4936 NW 39th Loop	0.10mi	3/2.0 (-1)	1,844 (-9%)	22mo	$322,205	$175	56
5035 NW 32 Pl	0.64mi	3/2.0 (-1)	2,173 (+7%)	1mo	$325,000	$150	54
5466 NW 35th Lane Rd	0.58mi	3/3.0 (-1)	2,136 (+5%)	13mo	$575,000	$269	45
5464 NW 43rd St	0.35mi	3/2.0 (-1)	1,862 (-8%)	23mo	$450,000	$242	45

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: -23.6%
• Equity multiple: 0.15×
• Total profit: $-76,284
• Equity at exit: $47,713

10-year hold

• IRR: -6.5%
• Equity multiple: 0.47×
• Total profit: $-47,444
• Equity at exit: $27,668

Cash invested: $89,600 (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: 670
• Price-to-rent: 9.4×

Monthly cashflow live

• Estimated rent: $2,851 high
• Mortgage (P&I): −$1,678
• Tax from tax record: −$542 /mo · $6,498/yr
• Insurance: −$133
• HOA: −$527
• Vacancy / Maint / Mgmt: −$599
• Net cashflow: $-627

Break-even live

Break-even rent $3,646

Max offer price $209,183

Occupancy floor —

Sensitivity live

Price	-10% $-446	-5% $-537	+0% $-627	+5% $-718	+10% $-808
Rent	-10% $-853	-5% $-740	+0% $-627	+5% $-515	+10% $-402
Rate	-1.0pp $-466	-0.5pp $-546	base $-627	+0.5pp $-710	+1.0pp $-795

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: $80,000
• Closing costs: $9,600
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4970 NW 39th Loop Ocala, FL	4.0	3.5	2843	$3,300	$1.16	15d	1	0.05mi
4932 NW 39th Loop Ocala, FL	4.0	2.0	2036	$2,700	$1.33	23d	1	0.10mi
4743 NW 39th Street Rd Ocala, FL	3.0	2.0	1565	$2,500	$1.60	23d	1	0.18mi
4958 NW 35th Lane Rd Ocala, FL	4.0	2.0	1998	$3,000	$1.50	23d	1	0.23mi
4110 NW 44th Cir Ocala, FL	3.0	2.0	1610	$2,400	$1.49	15d	1	0.29mi
4111 NW 44th Cir Ocala, FL	3.0	2.0	1505	$2,300	$1.53	15d	1	0.29mi
4078 NW 44th Cir Ocala, FL	3.0	2.0	1504	$2,500	$1.66	23d	1	0.35mi
5227 NW 46th Lane Rd Ocala, FL	4.0	2.0	2034	$3,000	$1.47	23d	1	0.42mi
5252 NW 46th Lane Rd Ocala, FL	4.0	2.0	2034	$2,800	$1.38	23d	1	0.42mi
4452 NW 53rd Ct Ocala, FL	3.0	3.0	2362	$2,800	$1.19	23d	1	0.43mi
5048 NW 35th St Ocala, FL	3.0	2.0	1552	$1,900	$1.22	15d	1	0.48mi
5254 NW 43rd Lane Rd Ocala, FL	3.0	2.0	1728	$3,500	$2.03	23d	1	0.50mi
5347 NW 46th Lane Rd Ocala, FL	3.0	2.0	1552	$2,550	$1.64	23d	1	0.54mi
4342 NW 55th Ct Ocala, FL	3.0	2.5	2172	$2,600	$1.20	15d	1	0.54mi
4395 NW 55th Ter Ocala, FL	3.0	2.0	1853	$2,700	$1.46	23d	1	0.58mi
5530 NW 40th Loop Ocala, FL	3.0	2.0	1622	$2,000	$1.23	23d	1	0.58mi
5237 NW 48th Pl Ocala, FL	3.0	2.0	1552	$4,500	$2.90	23d	1	0.58mi
5416 NW 46th Lane Rd Ocala, FL	3.0	2.0	1590	$2,300	$1.45	15d	1	0.61mi
5358 NW 48th Pl Ocala, FL	3.0	2.0	1565	$2,500	$1.60	23d	1	0.61mi
5521 NW 45th Ln Ocala, FL	3.0	2.0	1862	$2,600	$1.40	15d	1	0.64mi
3441 NW 56th Ave Ocala, FL	3.0	3.0	2328	$2,800	$1.20	23d	1	0.75mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$2,045	$1.75	23d	1	0.82mi

HOA detail

• Monthly dues: $527 · $6,324/yr
• Likely covers: landscapinggym

Listing history 18 events

1. 2026-06-21
   days on market $320,000 Active 41 DOM
2. 2026-06-18
   days on market $320,000 Active 38 DOM
3. 2026-06-17
   days on market $320,000 Active 37 DOM
4. 2026-06-16
   days on market $320,000 Active 36 DOM
5. 2026-06-15
   days on market $320,000 Active 35 DOM
6. 2026-06-14
   days on market $320,000 Active 33 DOM
7. 2026-06-13
   days on market $320,000 Active 32 DOM
8. 2026-06-10
   days on market $320,000 Active 30 DOM
9. 2026-06-09
   days on market $320,000 Active 29 DOM
10. 2026-06-08
    days on market $320,000 Active 28 DOM
11. 2026-06-07
    days on market $320,000 Active 27 DOM
12. 2026-06-03
    days on market $320,000 Active 23 DOM
13. 2026-06-02
    days on market $320,000 Active 22 DOM
14. 2026-06-01
    days on market $320,000 Active 21 DOM
15. 2026-05-31
    days on market $320,000 Active 20 DOM
16. 2026-05-30
    days on market $320,000 Active 19 DOM
17. 2026-05-11
    listed $320,000 Active 1628-char remark

    Show marketing remark (1628 chars)

    Beautifully built in 2024, this Delray model offers over 2,030 square feet of under air living space with a layout that feels open, bright, and inviting from the moment you walk inside. Located in the highly desirable all ages section of Ocala Preserve, this 4 bedroom, 2 bathroom home combines comfort, style, and easy Florida living. The open concept design creates the perfect gathering space and truly serves as the heart of the home, ideal for everyday living, entertaining family and friends, or simply relaxing together. Large windows fill the living areas with natural light while the spacious kitchen offers stainless steel appliances, stone countertops, ample cabinetry, and a large center island perfect for hosting and gathering. The primary suite is generously sized and features a deep walk in closet along with an upgraded bathroom complete with dual vanities and a stand up shower. The guest bathroom includes a shower and tub combo with a deep vanity for added convenience. You will also love the dedicated laundry room with washer and dryer included, plus a spacious 2 car garage. Step outside to the covered lanai overlooking the large fenced backyard with plenty of room for pets, play, entertaining, or simply enjoying peaceful Florida evenings. Residents of Ocala Preserve enjoy resort style amenities including an on site restaurant, spa, fitness center, tennis and pickleball courts, golf course, and an active social calendar with resident run clubs and activities. Lawn and landscaping maintenance are also included in the monthly fee, giving you more time to relax and enjoy the lifestyle you deserve.

18. 2026-05-11
    listed $320,000 Active 1628-char remark

    Show marketing remark (1628 chars)

    Beautifully built in 2024, this Delray model offers over 2,030 square feet of under air living space with a layout that feels open, bright, and inviting from the moment you walk inside. Located in the highly desirable all ages section of Ocala Preserve, this 4 bedroom, 2 bathroom home combines comfort, style, and easy Florida living. The open concept design creates the perfect gathering space and truly serves as the heart of the home, ideal for everyday living, entertaining family and friends, or simply relaxing together. Large windows fill the living areas with natural light while the spacious kitchen offers stainless steel appliances, stone countertops, ample cabinetry, and a large center island perfect for hosting and gathering. The primary suite is generously sized and features a deep walk in closet along with an upgraded bathroom complete with dual vanities and a stand up shower. The guest bathroom includes a shower and tub combo with a deep vanity for added convenience. You will also love the dedicated laundry room with washer and dryer included, plus a spacious 2 car garage. Step outside to the covered lanai overlooking the large fenced backyard with plenty of room for pets, play, entertaining, or simply enjoying peaceful Florida evenings. Residents of Ocala Preserve enjoy resort style amenities including an on site restaurant, spa, fitness center, tennis and pickleball courts, golf course, and an active social calendar with resident run clubs and activities. Lawn and landscaping maintenance are also included in the monthly fee, giving you more time to relax and enjoy the lifestyle you deserve.

ⓘ 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: $6,498 · $542/mo
• Projected year-2 tax: $6,498 · $542/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Taxation est. · year 1

• Rental income: $34,217
• − Mortgage interest: −$17,925
• − Property taxes: −$6,498
• − Insurance: −$1,600
• − Repairs & maintenance: −$2,737
• − Management: −$2,737
• − HOA: −$6,324
• − Depreciation: −$9,309
• Taxable loss: −$12,914
• Est. tax savings @ 24.0%: +$3,099
• After-tax cash flow: $-4,428/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

Good 80/100 None rehab

This 2024-built Delray model is in excellent condition with a modern and open floor plan, ideal for both resale and rental markets.

Value-add opportunities

• Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics.
• Both Landscaping improvements — Enhances curb appeal and adds value to the property.

Renovation cost estimate screening

Value-add ROI direction

• Both Painting exterior and interior walls — Fresh paint enhances curb appeal and interior aesthetics. ↑
• Both Landscaping improvements — Enhances curb appeal and adds value to the property. ↑

ⓘ 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

+0.0% since first listed

2 events — show timeline

• 2026-05-11 Listed $320,000 Daytona MLS
• 2026-05-11 Listed $320,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+267.9%/yr

Latest (2025): $6,498 · +267.9% YoY. Source: county tax records.