9735 SW 92nd Place Rd · On Top of the World, FL 34481

$191,000

2 bd · 2.0 ba · 1,462 sqft · SingleFamily public records · 191 Days on market

Built 2004 5,663 sqft lot $131/sqft · 29% below area Est $270k · 29% under $478/mo HOA · 26% 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 +15.0/15.0
• Cash flow +7.7/30.0
• 1% rule +4.6/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.8/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Motivated Seller Just Reduced $27,000. New roof being added at Seller's expense with reasonable offer. Welcome to your next chapter of carefree living in this charming two-bedroom, two-bathroom home nestled within an active 55+ plus community that takes maintenance worries off your shoulders. This delightful residence spans 1,462 square feet of thoughtfully designed living space, perfect for those ready to embrace a lifestyle where relaxation meets recreation. Step inside to discover a welcoming family room (with built in bookcase) that flows seamlessly from the kitchen, creating an ideal space for entertaining guests or simply enjoying quiet mornings with coffee. The home features brand-new flooring installed in December 2025, ensuring you'll move into a fresh, updated space that's ready for your personal touches. The true beauty of this property extends far beyond its walls. Imagine never worrying about lawn care again – the maintained lot means you can spend weekends pursuing hobbies instead of pushing a mower. Every five years, your home receives a fresh coat of paint, keeping it looking pristine without any effort on your part. Community amenities rival those of a luxury resort. With over two hundred clubs to join, you'll never lack for social opportunities or new interests to explore. Whether you prefer the gentle stretches of yoga, energetic dance classes, or competitive racquetball, there's something for every inclination. The fitness center keeps you active, while the dog park ensures your four-legged family members stay happy and social. When it's time to unwind, multiple pools and relaxing hot tubs await. The nearby recreation center field provides additional outdoor activities, located conveniently within the community. This planned unit development offers the perfect blend of privacy and community connection. The monthly lot lease of $478.61 covers the exceptional maintenance services that keep everything looking beautiful year-round. For those seeking an active lifestyle without the hassles of home maintenance, this property represents an opportunity to focus on what truly matters – enjoying life, making new friends, and pursuing passions in a supportive, vibrant community environment. Call for your private tour today.

Key facts

• Dog park
• Fitness center
• Relaxing hot tubs

Tags

• MAINTAINED LOT
• BRAND NEW FLOORING
• MULTIPLE POOLS
• RELAXING HOT TUBS
• FITNESS CENTER
• DOG PARK

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $191k.

Deal economics

• At list price, monthly cash flow is $-218 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $152k (20.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $183k (4.4% below list).
• Recommended offer: $152k (20.2% below list) — sets the bar for cash-flow.
• Cap rate 4.9% vs local median 2.9% in On Top of the World — 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: 1158 active listings in the ZIP; 25 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 38% of the median local income ($57k/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 $1k of loan paydown is wiped out by about $6k 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 191 days — a 12% lower offer ($168k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 17y ago; this cycle's ask has dropped $48k (20%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $103k; list at $191k implies a 85% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: HOA is 26% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $152,438 (20.2% 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 191 days. Have you received any prior offers? Is the seller open to a 20% 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. 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: 0.96% ✗
• Cap rate: 4.92%
• Cash-on-cash: -4.90%
• DSCR: 0.78
• GRM: 8.7

CMA / ARV

• ARV (median comp): $269,558
• List price: $191,000
• Delta: -29.14%
• 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
9733 SW 90th St	0.09mi	2/2.0	1,393 (-5%)	1mo	$140,000	$101	87
9732 SW 89th St	0.13mi	2/2.0	1,504 (+3%)	18mo	$269,900	$179	74
9224 SW 91st Cir	0.61mi	2/2.0	1,425 (-2%)	10mo	$155,000	$109	59
10106 SW 92nd Street Rd	0.57mi	2/2.0	1,510 (+3%)	18mo	$238,000	$158	53
9101 SW 91st Cir	0.73mi	2/2.0	1,423 (-3%)	12mo	$231,900	$163	51
8912 SW 101st Cir	0.48mi	2/2.0	1,651 (+13%)	20mo	$365,000	$221	39
8829 SW 103rd Cir	0.62mi	2/2.0	1,651 (+13%)	21mo	$340,000	$206	32

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: -24.4%
• Equity multiple: 0.17×
• Total profit: $-44,616
• Equity at exit: $28,479

10-year hold

• IRR: -19.5%
• Equity multiple: -0.04×
• Total profit: $-55,790
• Equity at exit: $16,514

Cash invested: $53,480 (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 34481

• Home prices YoY: -25.2%
• Active inventory: 1158
• Price-to-rent: 8.7×

Monthly cashflow live

• Estimated rent: $1,826 high
• Mortgage (P&I): −$1,002
• Tax from tax record: −$102 /mo · $1,223/yr
• Insurance: −$80
• HOA: −$478
• Vacancy / Maint / Mgmt: −$384
• Net cashflow: $-218

Break-even live

Break-even rent $2,103

Max offer price $152,438

Occupancy floor —

Sensitivity live

Price	-10% $-110	-5% $-164	+0% $-218	+5% $-272	+10% $-326
Rent	-10% $-363	-5% $-290	+0% $-218	+5% $-146	+10% $-74
Rate	-1.0pp $-122	-0.5pp $-170	base $-218	+0.5pp $-268	+1.0pp $-318

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: $47,750
• Closing costs: $5,730
• Reserves months: —
• Total cash needed: —

Rent comps 25 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9770 SW 92nd Place Rd Ocala, FL	2.0	2.0	1399	$2,200	$1.57	22d	1	0.01mi
9746 SW 89th Loop Ocala, FL	2.0	2.0	1660	$1,950	$1.17	22d	1	0.06mi
9513 SW 92nd Place Rd Ocala, FL	2.0	2.0	1651	$2,000	$1.21	14d	1	0.35mi
9119 SW 99th Court Rd Ocala, FL	2.0	2.0	1504	$1,900	$1.26	22d	1	0.41mi
9289 SW 92nd Ln Ocala, FL	2.0	2.0	1600	$1,350	$0.84	22d	1	0.67mi
9013 SW 91st Cir Ocala, FL	2.0	2.0	1494	$1,900	$1.27	14d	1	0.72mi
9758 SW 96th St Ocala, FL	2.0	2.0	1219	$1,400	$1.15	22d	1	0.90mi
9794 SW 96th St Ocala, FL	2.0	2.0	1201	$1,700	$1.42	22d	1	0.90mi
9748 SW 97th St Ocala, FL	2.0	2.0	1105	$1,500	$1.36	22d	1	0.95mi
7978 SW 90th Ter Ocala, FL	2.0	2.0	1226	$1,875	$1.53	14d	1	1.06mi
8714 SW 83rd Loop Ocala, FL	2.0	2.0	1658	$1,900	$1.15	14d	1	1.19mi
8666 SW 92nd Ln Unit F Ocala, FL	2.0	2.0	1748	$2,000	$1.14	22d	1	1.22mi
8680 SW 94th Ln Unit G Ocala, FL	3.0	2.0	1409	$1,550	$1.10	22d	1	1.28mi
10081 SW 97th Ct Ocala, FL	2.0	1.0	992	$1,200	$1.21	14d	1	1.30mi
10081 SW 95th Ave Ocala, FL	2.0	2.0	1040	$1,395	$1.34	22d	1	1.32mi
8665 SW 94th St Unit C Ocala, FL	2.0	2.0	1589	$1,600	$1.01	22d	1	1.34mi
8430 SW 90th Ln Unit D Ocala, FL	2.0	2.0	1454	$1,600	$1.10	22d	1	1.35mi
8431 SW 90th Ln Ocala, FL	2.0	2.0	1366	$1,395	$1.02	22d	1	1.36mi
10155 SW 100th Ave Ocala, FL	2.0	2.0	1040	$1,700	$1.63	22d	1	1.39mi
9760 SW 101st Ln Ocala, FL	2.0	2.0	1360	$1,500	$1.10	22d	1	1.40mi
8671 SW 97th St Unit C Ocala, FL	2.0	2.0	1341	$1,474	$1.10	14d	1	1.40mi
8670 SW 97th St Unit A Ocala, FL	2.0	2.0	1341	$1,600	$1.19	22d	1	1.42mi
8655 SW 98th Street Rd Unit G Ocala, FL	2.0	2.0	1424	$1,500	$1.05	22d	1	1.46mi
10211 SW 93rd Ct Ocala, FL	3.0	2.0	1456	$1,495	$1.03	22d	1	1.47mi
7235 SW 91st Ct Ocala, FL	2.0	2.0	1163	$2,200	$1.89	14d	1	1.50mi

HOA detail

• Monthly dues: $478 · $5,736/yr
• Likely covers: landscapingpoolgym

Listing history 25 events

1. 2026-06-18
   days on market $191,000 Active 191 DOM
2. 2026-06-17
   days on market $191,000 Active 190 DOM
3. 2026-06-16
   days on market $191,000 Active 189 DOM
4. 2026-06-15
   days on market $191,000 Active 188 DOM
5. 2026-06-14
   days on market $191,000 Active 186 DOM
6. 2026-06-13
   days on market $191,000 Active 185 DOM
7. 2026-06-10
   days on market $191,000 Active 183 DOM
8. 2026-06-09
   days on market $191,000 Active 182 DOM
9. 2026-06-08
   days on market $191,000 Active 181 DOM
10. 2026-06-07
    days on market $191,000 Active 180 DOM
11. 2026-06-03
    days on market $191,000 Active 176 DOM
12. 2026-06-02
    days on market $191,000 Active 175 DOM
13. 2026-05-31
    days on market $191,000 Active 173 DOM
14. 2026-05-30
    days on market $191,000 Active 172 DOM
15. 2026-05-13
    price $191,000 2284-char remark

    Show marketing remark (2284 chars)

    Motivated Seller Just Reduced $27,000. New roof being added at Seller's expense with reasonable offer. Welcome to your next chapter of carefree living in this charming two-bedroom, two-bathroom home nestled within an active 55+ plus community that takes maintenance worries off your shoulders. This delightful residence spans 1,462 square feet of thoughtfully designed living space, perfect for those ready to embrace a lifestyle where relaxation meets recreation. Step inside to discover a welcoming family room (with built in bookcase) that flows seamlessly from the kitchen, creating an ideal space for entertaining guests or simply enjoying quiet mornings with coffee. The home features brand-new flooring installed in December 2025, ensuring you'll move into a fresh, updated space that's ready for your personal touches. The true beauty of this property extends far beyond its walls. Imagine never worrying about lawn care again – the maintained lot means you can spend weekends pursuing hobbies instead of pushing a mower. Every five years, your home receives a fresh coat of paint, keeping it looking pristine without any effort on your part. Community amenities rival those of a luxury resort. With over two hundred clubs to join, you'll never lack for social opportunities or new interests to explore. Whether you prefer the gentle stretches of yoga, energetic dance classes, or competitive racquetball, there's something for every inclination. The fitness center keeps you active, while the dog park ensures your four-legged family members stay happy and social. When it's time to unwind, multiple pools and relaxing hot tubs await. The nearby recreation center field provides additional outdoor activities, located conveniently within the community. This planned unit development offers the perfect blend of privacy and community connection. The monthly lot lease of $478.61 covers the exceptional maintenance services that keep everything looking beautiful year-round. For those seeking an active lifestyle without the hassles of home maintenance, this property represents an opportunity to focus on what truly matters – enjoying life, making new friends, and pursuing passions in a supportive, vibrant community environment. Call for your private tour today.

16. 2026-03-16
    price $199,000 2284-char remark

    Show marketing remark (2284 chars)

    Motivated Seller Just Reduced $27,000. New roof being added at Seller's expense with reasonable offer. Welcome to your next chapter of carefree living in this charming two-bedroom, two-bathroom home nestled within an active 55+ plus community that takes maintenance worries off your shoulders. This delightful residence spans 1,462 square feet of thoughtfully designed living space, perfect for those ready to embrace a lifestyle where relaxation meets recreation. Step inside to discover a welcoming family room (with built in bookcase) that flows seamlessly from the kitchen, creating an ideal space for entertaining guests or simply enjoying quiet mornings with coffee. The home features brand-new flooring installed in December 2025, ensuring you'll move into a fresh, updated space that's ready for your personal touches. The true beauty of this property extends far beyond its walls. Imagine never worrying about lawn care again – the maintained lot means you can spend weekends pursuing hobbies instead of pushing a mower. Every five years, your home receives a fresh coat of paint, keeping it looking pristine without any effort on your part. Community amenities rival those of a luxury resort. With over two hundred clubs to join, you'll never lack for social opportunities or new interests to explore. Whether you prefer the gentle stretches of yoga, energetic dance classes, or competitive racquetball, there's something for every inclination. The fitness center keeps you active, while the dog park ensures your four-legged family members stay happy and social. When it's time to unwind, multiple pools and relaxing hot tubs await. The nearby recreation center field provides additional outdoor activities, located conveniently within the community. This planned unit development offers the perfect blend of privacy and community connection. The monthly lot lease of $478.61 covers the exceptional maintenance services that keep everything looking beautiful year-round. For those seeking an active lifestyle without the hassles of home maintenance, this property represents an opportunity to focus on what truly matters – enjoying life, making new friends, and pursuing passions in a supportive, vibrant community environment. Call for your private tour today.

17. 2026-02-07
    price $212,000 2284-char remark

    Show marketing remark (2284 chars)

    Motivated Seller Just Reduced $27,000. New roof being added at Seller's expense with reasonable offer. Welcome to your next chapter of carefree living in this charming two-bedroom, two-bathroom home nestled within an active 55+ plus community that takes maintenance worries off your shoulders. This delightful residence spans 1,462 square feet of thoughtfully designed living space, perfect for those ready to embrace a lifestyle where relaxation meets recreation. Step inside to discover a welcoming family room (with built in bookcase) that flows seamlessly from the kitchen, creating an ideal space for entertaining guests or simply enjoying quiet mornings with coffee. The home features brand-new flooring installed in December 2025, ensuring you'll move into a fresh, updated space that's ready for your personal touches. The true beauty of this property extends far beyond its walls. Imagine never worrying about lawn care again – the maintained lot means you can spend weekends pursuing hobbies instead of pushing a mower. Every five years, your home receives a fresh coat of paint, keeping it looking pristine without any effort on your part. Community amenities rival those of a luxury resort. With over two hundred clubs to join, you'll never lack for social opportunities or new interests to explore. Whether you prefer the gentle stretches of yoga, energetic dance classes, or competitive racquetball, there's something for every inclination. The fitness center keeps you active, while the dog park ensures your four-legged family members stay happy and social. When it's time to unwind, multiple pools and relaxing hot tubs await. The nearby recreation center field provides additional outdoor activities, located conveniently within the community. This planned unit development offers the perfect blend of privacy and community connection. The monthly lot lease of $478.61 covers the exceptional maintenance services that keep everything looking beautiful year-round. For those seeking an active lifestyle without the hassles of home maintenance, this property represents an opportunity to focus on what truly matters – enjoying life, making new friends, and pursuing passions in a supportive, vibrant community environment. Call for your private tour today.

18. 2026-01-09
    price $229,000 2284-char remark

    Show marketing remark (2284 chars)

    Motivated Seller Just Reduced $27,000. New roof being added at Seller's expense with reasonable offer. Welcome to your next chapter of carefree living in this charming two-bedroom, two-bathroom home nestled within an active 55+ plus community that takes maintenance worries off your shoulders. This delightful residence spans 1,462 square feet of thoughtfully designed living space, perfect for those ready to embrace a lifestyle where relaxation meets recreation. Step inside to discover a welcoming family room (with built in bookcase) that flows seamlessly from the kitchen, creating an ideal space for entertaining guests or simply enjoying quiet mornings with coffee. The home features brand-new flooring installed in December 2025, ensuring you'll move into a fresh, updated space that's ready for your personal touches. The true beauty of this property extends far beyond its walls. Imagine never worrying about lawn care again – the maintained lot means you can spend weekends pursuing hobbies instead of pushing a mower. Every five years, your home receives a fresh coat of paint, keeping it looking pristine without any effort on your part. Community amenities rival those of a luxury resort. With over two hundred clubs to join, you'll never lack for social opportunities or new interests to explore. Whether you prefer the gentle stretches of yoga, energetic dance classes, or competitive racquetball, there's something for every inclination. The fitness center keeps you active, while the dog park ensures your four-legged family members stay happy and social. When it's time to unwind, multiple pools and relaxing hot tubs await. The nearby recreation center field provides additional outdoor activities, located conveniently within the community. This planned unit development offers the perfect blend of privacy and community connection. The monthly lot lease of $478.61 covers the exceptional maintenance services that keep everything looking beautiful year-round. For those seeking an active lifestyle without the hassles of home maintenance, this property represents an opportunity to focus on what truly matters – enjoying life, making new friends, and pursuing passions in a supportive, vibrant community environment. Call for your private tour today.

19. 2025-12-09
    listed $239,000 Active 2284-char remark

    Show marketing remark (2284 chars)

    Motivated Seller Just Reduced $27,000. New roof being added at Seller's expense with reasonable offer. Welcome to your next chapter of carefree living in this charming two-bedroom, two-bathroom home nestled within an active 55+ plus community that takes maintenance worries off your shoulders. This delightful residence spans 1,462 square feet of thoughtfully designed living space, perfect for those ready to embrace a lifestyle where relaxation meets recreation. Step inside to discover a welcoming family room (with built in bookcase) that flows seamlessly from the kitchen, creating an ideal space for entertaining guests or simply enjoying quiet mornings with coffee. The home features brand-new flooring installed in December 2025, ensuring you'll move into a fresh, updated space that's ready for your personal touches. The true beauty of this property extends far beyond its walls. Imagine never worrying about lawn care again – the maintained lot means you can spend weekends pursuing hobbies instead of pushing a mower. Every five years, your home receives a fresh coat of paint, keeping it looking pristine without any effort on your part. Community amenities rival those of a luxury resort. With over two hundred clubs to join, you'll never lack for social opportunities or new interests to explore. Whether you prefer the gentle stretches of yoga, energetic dance classes, or competitive racquetball, there's something for every inclination. The fitness center keeps you active, while the dog park ensures your four-legged family members stay happy and social. When it's time to unwind, multiple pools and relaxing hot tubs await. The nearby recreation center field provides additional outdoor activities, located conveniently within the community. This planned unit development offers the perfect blend of privacy and community connection. The monthly lot lease of $478.61 covers the exceptional maintenance services that keep everything looking beautiful year-round. For those seeking an active lifestyle without the hassles of home maintenance, this property represents an opportunity to focus on what truly matters – enjoying life, making new friends, and pursuing passions in a supportive, vibrant community environment. Call for your private tour today.

20. 2009-10-06
    soldstatus $103,000
21. 2009-09-30
    soldstatus $103,000 529-char remark

    Show marketing remark (529 chars)

    Immaculate move-in ready popular Atwell model freshly painted & ready for you. Family room features a wonderful built in bookcase wall & 3 windows for lots of light. Eat in kitchen has a big sink, French door refrigerator, built in microwave, glass top stove, recessed & modern pendant lighting, breakfast bar & plenty of storage. Master suite has custom closet & a seat in the easy to clean shower. There is a roof ventilation system to remove hot air from the attic. Rollup automatic screen garage

22. 2009-07-03
    listed $109,000 529-char remark

    Show marketing remark (529 chars)

    Immaculate move-in ready popular Atwell model freshly painted & ready for you. Family room features a wonderful built in bookcase wall & 3 windows for lots of light. Eat in kitchen has a big sink, French door refrigerator, built in microwave, glass top stove, recessed & modern pendant lighting, breakfast bar & plenty of storage. Master suite has custom closet & a seat in the easy to clean shower. There is a roof ventilation system to remove hot air from the attic. Rollup automatic screen garage

23. 2009-07-02
    historical
24. 2009-01-02
    listed $109,000
25. 2004-12-03
    soldstatus $104,100

ⓘ 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: $1,223 · $102/mo
• Projected year-2 tax: $1,585 · $132/mo
• Expected delta: +$362/yr (+$30/mo · 29.6%)

ⓘ 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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°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 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,916
• − Mortgage interest: −$10,699
• − Property taxes: −$1,223
• − Insurance: −$955
• − Repairs & maintenance: −$1,753
• − Management: −$1,753
• − HOA: −$5,736
• − Depreciation: −$5,556
• Taxable loss: −$5,760
• Est. tax savings @ 24.0%: +$1,382
• After-tax cash flow: $-1,237/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 — On Top of the World

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

Census & demographics

• Census place: On Top of the World, FL
• County: Marion County · 315,796 people
• City population: 25,668
• Metro: Ocala, FL
• Population (ZIP): 26,782
• Household income: $57,324
• Rent vs Own: 9.8% rent · 90.2% own
• Severe rent burden: 313.0

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 (80%)
• Race & ethnicity: White 80% Hispanic / Latino 11% Black 7% Two or more races 5%
• Hispanic origin (detail): Mexican 4% Puerto Rican 4% Cuban 1%
• Common ancestry: Romanian 7% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Jamaica
• Languages at home: 88% English-only · Spanish 9% French/Haitian/Cajun 1% German/W. Germanic 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: ▼ -67.48%
• Current HPI: 199.986
• 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

+83.5% since first listed

11 events — show timeline

• 2026-05-13 Price Changed $191,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-16 Price Changed $199,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-07 Price Changed $212,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-09 Price Changed $229,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-09 Listed $239,000 Stellar MLS as Distributed by MLS Grid
• 2009-10-06 Sold (Public Records) $103,000 Public Records
• 2009-09-30 Sold (MLS) $103,000 Stellar MLS as Distributed by MLS Grid
• 2009-07-03 Listed $109,000 Stellar MLS as Distributed by MLS Grid
• 2009-07-02 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2009-01-02 Listed $109,000 Stellar MLS as Distributed by MLS Grid
• 2004-12-03 Sold (Public Records) $104,100 Public Records

Property tax history

+4.0%/yr

Latest (2025): $1,223 · +23.6% YoY. Source: county tax records.