6157 N Silver Palm Way · Pine Ridge, FL 34465

$240,000

3 bd · 2.0 ba · 1,755 sqft · SingleFamily public records · 288 Days on market

Built 1991 0.25 ac lot Est $302k · 20% under $59/mo HOA · 3% of rent

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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).

• ARV discount +15.0/15.0
• Cash flow +14.9/30.0
• DSCR +4.6/10.0
• Schools +4.1/10.0
• Livability +3.4/5.0
• 1% rule +3.3/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

Key facts

• Custom cabinetry
• Walk-in closets
• Walk-in shower

Tags

• SPACIOUS MASTER SUITE
• WALK-IN CLOSETS
• WALK-IN SHOWER
• GARDEN TUB
• GRANITE COUNTERTOPS
• CUSTOM CABINETRY

Property features AI

Finance

• Other: Homestead exempt; Zoned PDR; Lot size about 0.25 acre; Living area and building area recorded in public records
• HOA & community: Homeowners association with annual fee of $717 (monthly equivalent $59.75); Pets allowed

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Public water; Septic tank; Electricity connected; Water connected
• Home design: Single family residence; One level; Faces north; Residential property
• Construction: Block construction; Shingle roof; Slab foundation; Built as one-story
• Exterior features: Sidewalk; Asphalt/paved road access

Interior

• Kitchen: Dishwasher; Disposal; Ice maker; Microwave; Range; Refrigerator; Stone counters
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Ceramic tile; Laminate
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Cathedral ceilings; Ceiling fans; Living room/dining room combo; Stone counters; Walk-in closet(s); Window treatments; Skylights; Blinds; Drapes
• Laundry & utility: Laundry room; Washer; Dryer; Electric water heater

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 $71 ($854/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 $199k (17.3% below list).
• Recommended offer: $199k (17.3% below list) — sets the bar for 1% rule.
• Cap rate 6.6% vs local median 3.4% in Pine Ridge — 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 67/100 on livability (#565 in FL) — a middle-class / working-renter tenant base. Strengths: crime A+, housing A+, cost of living A-; Watch: health & safety C-, amenities F, commute F.
• Citrus (rural): math 49% / reading 50% proficiency, ranked #44 of 73 in FL (top 60%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Central Ridge Elementary School (math 41% / reading 44%, grade F, #1,383 of 2,144 statewide, top 65%, 723 students, 64% FRL); Citrus Springs Middle School (math 55% / reading 54%, grade B-, #183 of 571 statewide, top 34%, 821 students, 59% FRL); Lecanto High School (math 46% / reading 53%, grade D, #179 of 667 statewide, top 29%, 1,630 students, 46% FRL) — zoned schools at 56% FRL track the district average.
• Market conditions: 401 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 23d on market — plan ~3-4 weeks tenant-placement turnaround); 2,443 units permitted in Citrus County in 2024 (0 in 5+ unit buildings).
• This rent runs 43% of the median local income ($55k/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.
• Citrus County population projected to shrink 10% by 2050 — rents likely to lag national; underwrite the cash flow, not the appreciation.

Negotiation context

• It's been on market 288 days — a 12% lower offer ($211k) is reasonable based on typical stale-listing flexibility.
• 4 sale attempts since 25y ago; this cycle's ask has dropped $50k (17%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $185k; 30% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→24/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $198,518 (17.3% below list)

Questions for the listing agent

1. It's been on market 288 days. Have you received any prior offers? Is the seller open to a 17% 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 F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
6. 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.
7. 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.
8. 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: 0.83% ✗
• Cap rate: 6.65%
• Cash-on-cash: 1.27%
• DSCR: 1.06
• GRM: 10.1

CMA / ARV

• ARV (on-the-fly): $301,860
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6100 N Silver Palm Way	0.08mi	3/2.0	1,757 (+0%)	1mo	$307,000	$175	95
6150 N Whispering Oak Loop	0.13mi	3/2.0	1,716 (-2%)	2mo	$265,000	$154	89
6215 N Whispering Oak Loop	0.16mi	3/2.0	1,762 (+0%)	4mo	$310,000	$176	89
6120 N Misty Oak Ter	0.12mi	3/2.0	1,812 (+3%)	1mo	$335,000	$185	88
6263 N Whispering Oak Loop	0.16mi	4/2.0 (+1)	1,888 (+8%)	5mo	$325,000	$172	71
6539 N Foxdale Dr	0.44mi	4/2.0 (+1)	1,828 (+4%)	5mo	$280,670	$154	64
704 W Haguer Pl	0.61mi	3/2.0	1,671 (-5%)	3mo	$275,000	$165	61
883 W Homeway Loop	0.35mi	3/2.0	2,012 (+15%)	2mo	$205,000	$102	58
6671 N Nantucket Way	0.52mi	4/3.0 (+1)	1,902 (+8%)	2mo	$289,990	$152	52
6440 N New Japan Ter	0.57mi	3/2.0	1,491 (-15%)	2mo	$277,000	$186	47
6414 N New Japan Ter	0.56mi	3/2.0	1,491 (-15%)	4mo	$279,000	$187	45
771 W Bancroft Dr	0.65mi	4/3.0 (+1)	1,931 (+10%)	0mo	$300,000	$155	44

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: -14.3%
• Equity multiple: 0.49×
• Total profit: $-34,426
• Equity at exit: $35,785

10-year hold

• IRR: -5.6%
• Equity multiple: 0.64×
• Total profit: $-24,422
• Equity at exit: $20,751

Cash invested: $67,200 (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 34465

• Home prices YoY: -33.1%
• Active inventory: 401
• Price-to-rent: 10.1×

Monthly cashflow live

• Estimated rent: $1,985 high
• Mortgage (P&I): −$1,259
• Tax from tax record: −$80 /mo · $954/yr
• Insurance: −$100
• HOA: −$59
• Vacancy / Maint / Mgmt: −$417
• Net cashflow: $71

Break-even live

Break-even rent $1,895

Max offer price $240,000

Occupancy floor 91%

Sensitivity live

Price	-10% $207	-5% $139	+0% $71	+5% $3	+10% $-65
Rent	-10% $-86	-5% $-7	+0% $71	+5% $150	+10% $228
Rate	-1.0pp $192	-0.5pp $132	base $71	+0.5pp $9	+1.0pp $-54

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: $60,000
• Closing costs: $7,200
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
669 W Homeway Loop Citrus Springs, FL	4.0	2.0	1580	$1,895	$1.20	23d	1	0.84mi
788 W Glenhaven Dr Citrus Springs, FL	4.0	2.0	1621	$1,800	$1.11	23d	1	0.98mi
6251 W Whispering Dr Citrus Springs, FL	4.0	2.0	1617	$1,815	$1.12	23d	1	1.22mi
661 W Twisted Oaks Dr Beverly Hills, FL	4.0	2.0	1864	$1,695	$0.91	23d	1	1.25mi
174 W Romany Loop Beverly Hills, FL	2.0	2.0	1748	$2,200	$1.26	23d	1	1.28mi
1482 W Manchester Dr Dunnellon, FL	3.0	2.0	1540	$1,695	$1.10	23d	1	1.31mi
262 W Romany Loop Beverly Hills, FL	2.0	2.0	1981	$2,750	$1.39	23d	1	1.39mi

HOA detail

• Monthly dues: $59 · $708/yr
• Likely covers: pool

Listing history 33 events

1. 2026-06-21
   days on market $240,000 Active 288 DOM
2. 2026-06-19
   days on market $240,000 Active 286 DOM
3. 2026-06-18
   price $240,000 Active 285 DOM
4. 2026-06-18
   days on market $250,000 Active 285 DOM
5. 2026-06-17
   days on market $250,000 Active 284 DOM
6. 2026-06-16
   days on market $250,000 Active 283 DOM
7. 2026-06-15
   days on market $250,000 Active 282 DOM
8. 2026-06-14
   days on market $250,000 Active 280 DOM
9. 2026-06-13
   days on market $250,000 Active 279 DOM
10. 2026-06-09
    days on market $250,000 Active 276 DOM
11. 2026-06-08
    days on market $250,000 Active 275 DOM
12. 2026-06-03
    days on market $250,000 Active 270 DOM
13. 2026-06-02
    days on market $250,000 Active 269 DOM
14. 2026-06-01
    days on market $250,000 Active 268 DOM
15. 2026-05-31
    days on market $250,000 Active 267 DOM
16. 2026-05-30
    days on market $250,000 Active 266 DOM
17. 2026-05-11
    price $250,000 1482-char remark

    Show marketing remark (1482 chars)

    Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

18. 2026-05-11
    price $250,000

    Show marketing remark (1482 chars)

    Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

19. 2026-02-10
    price $255,000 1482-char remark

    Show marketing remark (1482 chars)

    Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

20. 2026-02-10
    price $255,000

    Show marketing remark (1482 chars)

    Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

21. 2025-12-15
    price $270,000 1482-char remark

    Show marketing remark (1482 chars)

    Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

22. 2025-12-15
    price $270,000

    Show marketing remark (1482 chars)

    Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

23. 2025-10-01
    price $280,000

    Show marketing remark (1482 chars)

    Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

24. 2025-10-01
    price $280,000 1482-char remark

    Show marketing remark (1482 chars)

    Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

25. 2025-10-01
    listed $290,000 Active

    Show marketing remark (1482 chars)

    Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

26. 2025-09-04
    listed $290,000 Active 1482-char remark

    Show marketing remark (1482 chars)

    Motivated seller. Don’t Miss This Beautiful Home in the Desirable Oak Ridge Community, Beverly Hills, FL! Time is running out to tour this exceptional home in the sought-after Oak Ridge neighborhood of Beverly Hills. This spacious, well-maintained residence offers comfort, convenience, and an ideal setting in one of the area’s most desirable communities. Home Features: Spacious master suite with two walk-in closets. Master bathroom with a walk-in shower and relaxing garden tub. Beautiful kitchen with granite countertops and custom cabinetry. Formal dining room with an elegant chandelier. Family room and formal living room, great for entertaining or quiet evenings. Laundry room with washer, dryer, and storage cabinets, plus a laundry sink in the garage. Screened rear porch for enjoying Florida breezes. Skylight in the family room for added natural light. Sprinkler system for easy lawn maintenance. Recently painted exterior, with three interior rooms freshly painted. Community Amenities Oak Ridge offers a resort-style lifestyle with a recently renovated clubhouse, a large swimming pool with tables, chairs, and umbrellas, a relaxing jet area, and dual-use courts for tennis and pickleball. Residents also enjoy a cozy lounge area, kitchen, pool table, and more for social gatherings. Prime Location: This home is just minutes from shopping, dining, and medical facilities, and about 20 minutes from Crystal River and its natural beauty and recreation.

27. 2005-06-15
    soldstatus $185,000
28. 2005-06-10
    soldstatus $185,000 297-char remark

    Show marketing remark (297 chars)

    WELCOME HOME. Once you step inside this beautiful home you will want to make it yours. 3 Bedrooms, 2 baths, livingroom, diningroom, familyroom. A/C is one year old, skylight in familyroom, beautiful garden in backyard. All this in the desirable Oak Ridge sub-division. Call for your personal tour.

29. 2005-03-04
    listed $189,900 297-char remark

    Show marketing remark (297 chars)

    WELCOME HOME. Once you step inside this beautiful home you will want to make it yours. 3 Bedrooms, 2 baths, livingroom, diningroom, familyroom. A/C is one year old, skylight in familyroom, beautiful garden in backyard. All this in the desirable Oak Ridge sub-division. Call for your personal tour.

30. 2002-01-07
    soldstatus $108,500
31. 2002-01-02
    soldstatus $108,500
32. 2001-07-27
    listed $112,000
33. 1991-04-01
    soldstatus $102,500

ⓘ 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: $954 · $80/mo
• Projected year-2 tax: $1,992 · $166/mo
• Expected delta: +$1,038/yr (+$86/mo · 108.7%)

ⓘ 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 9/10 Extreme 7 d/yr ≥107°F today · 24 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 1 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,822
• − Mortgage interest: −$13,444
• − Property taxes: −$954
• − Insurance: −$1,200
• − Repairs & maintenance: −$1,906
• − Management: −$1,906
• − HOA: −$708
• − Depreciation: −$6,982
• Taxable loss: −$3,277
• Est. tax savings @ 24.0%: +$787
• After-tax cash flow: $1,641/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: Citrus
• NCES district ID: 1200270
• Math proficiency: 49% ▼ -10.00%
• Reading proficiency: 50% ▼ -6.00%
• Median HH income: $38,618
• Composite: 41.28/100
• National rank: #3519
• State rank: #44 of 73 in FL

Livability — Pine Ridge

• Score: 67/100
• State rank: #565
• US rank: #10798

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Pine Ridge, FL
• County: Citrus County · 111,314 people
• City population: 18,514
• Metro: Homosassa Springs, FL
• Population (ZIP): 18,879
• Household income: $54,869
• Rent vs Own: 18.4% rent · 81.6% own
• Severe rent burden: 334.0

Population outlook (Citrus County) Hauer SSP2

• Today (2025): 138,622 people
• By 2030: 136,886 · -1.3%
• By 2040: 132,009 · -4.8%
• By 2050: 125,196 · -9.7%
• By 2075: 108,570 · -21.7%
• By 2100: 84,454 · -39.1%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (82%)
• Race & ethnicity: White 82% Hispanic / Latino 8% Black 4% Two or more races 3% Asian 2%
• Hispanic origin (detail): Mexican 1% Puerto Rican 3%
• Common ancestry: Romanian 4% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Vietnam, Dominican Republic
• Languages at home: 93% English-only · Spanish 4% French/Haitian/Cajun 1% Other Asian/Pacific 1%

Political lean MEDSL · Citrus

• 2024 margin: Solid R (+45.9) · D 26.8% · R 72.6%
• 2008→2024 swing: -29.8pp toward R · 2008: -16.1pp · 2024: -45.9pp
• All cycles: 2024: R+45.9 2020: R+41.0 2016: R+39.7 2012: R+21.9 2008: R+16.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -138.62%
• Current HPI: 279.7183
• Rent YoY: —
• Metro: Homosassa Springs, 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

+143.9% since first listed

17 events — show timeline

• 2026-05-11 Price Changed $250,000 RACC
• 2026-05-11 Price Changed $250,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-10 Price Changed $255,000 RACC
• 2026-02-10 Price Changed $255,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-15 Price Changed $270,000 RACC
• 2025-12-15 Price Changed $270,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-01 Price Changed $280,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-01 Price Changed $280,000 RACC
• 2025-10-01 Listed $290,000 Stellar MLS as Distributed by MLS Grid
• 2025-09-04 Listed $290,000 RACC
• 2005-06-15 Sold (Public Records) $185,000 Public Records
• 2005-06-10 Sold (MLS) $185,000 RACC
• 2005-03-04 Listed $189,900 RACC
• 2002-01-07 Sold (Public Records) $108,500 Public Records
• 2002-01-02 Sold (MLS) $108,500 RACC
• 2001-07-27 Listed $112,000 RACC
• 1991-04-01 Sold (Public Records) $102,500 Public Records

Property tax history

+2.8%/yr

Latest (2025): $954 · +9.1% YoY. Source: county tax records.