13793 SW 100 Ln · On Top of the World, FL 34432

$219,900

3 bd · 2.0 ba · 1,130 sqft · SingleFamily public records · 7 Days on market

Built 2025 Excellent condition 0.35 ac lot $195/sqft · 11% below area Est $246k · 11% under

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Why this score? — see what drove the C- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +17.1/30.0
• ARV discount +12.3/15.0
• DSCR +5.3/10.0
• Condition / age +4.8/5.0
• Schools +3.6/10.0
• 1% rule +3.3/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. Enjoy peaceful country living in this almost-new 2025 home! This beautifully designed 3-bedroom, 2-bath property sits on a quiet road and offers the perfect blend of comfort, style, and affordability. Features include vaulted ceilings in the main living areas, 8-foot ceilings in the bedrooms, quartz countertops, stainless steel appliances, blinds already installed throughout the home, and a bright open-concept layout filled with natural light. The property is also FULLY FENCED, offering added privacy and space to enjoy the outdoors. Perfect for first-time buyers, downsizers, or investors looking for modern living at a great value. Conveniently located

Key facts

• Quartz countertops
• Fully fenced
• Vaulted ceilings

Tags

• VAULTED CEILINGS
• QUARTZ COUNTERTOPS
• STAINLESS STEEL APPLIANCES
• FULLY FENCED
• OPEN-CONCEPT LAYOUT

Property features AI

Finance

• Other: Lot approximately 0.35 acres (77 x 198); Lot acreage: 1/4 to less than 1/2 acre; Builder license: CRC; Permit number: 2023111808
• Financial info: No CDD; No lease restrictions indicated

Exterior

• Parking: Attached garage (1 car)
• Utilities: Well water; Septic tank; Electricity connected; Water connected
• Home design: Single family residence; Residential property; One story; Southwest facing; Completed condition
• Construction: Block and stucco construction; Shingle roof; Slab foundation; New construction; Built by Bakan Homes LLC (model: Mercedes)
• Exterior features: Sliding doors; Dirt road access

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 3 bedrooms (one level)
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: High ceilings; Vaulted ceiling(s); Thermostat; Walk-in closet(s)
• Laundry & utility: Laundry room

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $220k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $153 ($2k/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 $182k (17.0% below list).
• Recommended offer: $182k (17.0% below list) — sets the bar for 1% rule.
• Cap rate 7.1% 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 C — affects rentability + tenant quality, not the cash-flow math above.
• Marion (rural): math 42% / reading 43% proficiency, ranked #61 of 73 in FL (top 84%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: 550 active listings in the ZIP; 6 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).

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

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.

Recommended offer $182,416 (17.0% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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.
3. 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.
4. 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: 7.13%
• Cash-on-cash: 2.98%
• DSCR: 1.13
• GRM: 10.0

CMA / ARV

• ARV (median comp): $246,329
• List price: $219,900
• Delta: -10.73%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 8 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
13885 SW 101st St	0.12mi	3/2.0	1,019 (-10%)	1mo	$215,000	$211	77
13616 SW 102nd St	0.27mi	3/2.0	1,089 (-4%)	23mo	$229,900	$211	62
13251 SW 100th Ln	0.55mi	3/2.0	1,089 (-4%)	20mo	$229,500	$211	52
13267 SW 100th Ln	0.54mi	3/2.0	1,089 (-4%)	20mo	$229,500	$211	52
10470 SW 132nd Ct	0.70mi	3/2.0	1,260 (+12%)	12mo	$265,000	$210	38
13141 SW 97th Pl	0.72mi	3/2.0	1,280 (+13%)	11mo	$499,000	$390	35
13193 SW 104th St	0.74mi	3/2.0	1,267 (+12%)	22mo	$241,900	$191	27
13197 SW 104th St	0.73mi	3/2.0	1,267 (+12%)	22mo	$245,000	$193	27

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: -11.7%
• Equity multiple: 0.58×
• Total profit: $-26,023
• Equity at exit: $32,788

10-year hold

• IRR: -2.6%
• Equity multiple: 0.83×
• Total profit: $-10,603
• Equity at exit: $19,013

Cash invested: $61,572 (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 34432

• Home prices YoY: -21.5%
• Active inventory: 550
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $1,824 high
• Mortgage (P&I): −$1,153
• Tax from tax record: −$44 /mo · $523/yr
• Insurance: −$92
• HOA: −$0
• Vacancy / Maint / Mgmt: −$383
• Net cashflow: $153

Break-even live

Break-even rent $1,631

Max offer price $219,900

Occupancy floor 87%

Sensitivity live

Price	-10% $277	-5% $215	+0% $153	+5% $90	+10% $28
Rent	-10% $9	-5% $81	+0% $153	+5% $225	+10% $297
Rate	-1.0pp $263	-0.5pp $209	base $153	+0.5pp $96	+1.0pp $38

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: $54,975
• Closing costs: $6,597
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13527 SW 100th Ln Dunnellon, FL	3.0	2.0	1352	$2,100	$1.55	21d	1	0.29mi
13469 SW 106th St Dunnellon, FL	3.0	2.0	1226	$1,750	$1.43	21d	1	0.70mi
10711 SW 136th Court Rd Dunnellon, FL	2.0	1.0	928	$1,450	$1.56	21d	1	0.76mi
13439 SW 106th Pl Dunnellon, FL	3.0	2.0	1397	$1,700	$1.22	21d	1	0.76mi
13359 SW 112th St Dunnellon, FL	3.0	2.0	1127	$1,750	$1.55	21d	1	1.31mi
13669 SW 113th Pl Dunnellon, FL	3.0	2.0	1397	$1,650	$1.18	14d	1	1.34mi

Listing history 1 events

1. 2026-05-13
   listed $219,900 Active 809-char remark

ⓘ 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: $523 · $44/mo
• Projected year-2 tax: $1,825 · $152/mo
• Expected delta: +$1,302/yr (+$109/mo · 249.0%)

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

Taxation est. · year 1

• Rental income: $21,890
• − Mortgage interest: −$12,318
• − Property taxes: −$523
• − Insurance: −$1,100
• − Repairs & maintenance: −$1,751
• − Management: −$1,751
• − Depreciation: −$6,397
• Taxable loss: −$1,950
• Est. tax savings @ 24.0%: +$468
• After-tax cash flow: $2,300/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

Excellent 95/100 None rehab

This nearly new home is in excellent condition with modern features and a peaceful setting. It's move-in ready and offers a great value for investors or first-time buyers.

Value-add opportunities

• Both landscaping — enhances curb appeal and adds value
• Both furniture — modern furniture enhances the home's appeal
• Both window treatments — adds a finishing touch and enhances privacy

Renovation cost estimate screening

Value-add ROI direction

• Both landscaping — enhances curb appeal and adds value ↑
• Both furniture — modern furniture enhances the home's appeal ↑
• Both window treatments — adds a finishing touch and enhances privacy ↑

ⓘ 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 — On Top of the World

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

Census & demographics

• City population: 25,668
• Population (ZIP): 13,197

Population outlook (Marion County) Hauer SSP2

• Today (2025): 365,905 people
• By 2030: 376,768 · +3.0%
• By 2040: 396,555 · +8.4%
• By 2050: 412,723 · +12.8%
• By 2075: 446,090 · +21.9%
• By 2100: 436,193 · +19.2%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (79%)
• Race & ethnicity: White 79% Hispanic / Latino 16% Two or more races 11% Black 1%
• Hispanic origin (detail): Mexican 2% Puerto Rican 7% Cuban 2%
• Common ancestry: Romanian 4% Slovak 3% Lithuanian 3%
• Foreign-born: 8% · Canada
• Languages at home: 90% English-only · Spanish 9% 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: ▼ -57.34%
• Current HPI: 209.595
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

2 events — show timeline

• 2026-05-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-13 Listed $219,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+28.3%/yr

Latest (2025): $523 · +28.3% YoY. Source: county tax records.