3276 NW 44th Ct · Ocala, FL 34482

$219,000

3 bd · 2.0 ba · 1,224 sqft · SingleFamily public records · 3 Days on market

Built 1988 0.25 ac lot $179/sqft · 13% below area Est $253k · 13% under $36/mo HOA · 2% 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).

• Cash flow +21.1/30.0
• ARV discount +13.5/15.0
• DSCR +6.7/10.0
• 1% rule +5.9/10.0
• Rent growth +5.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

One or more photo(s) has been virtually staged. just minutes away from the World Equestrian Center! This home features 3 bedrooms, 2 baths in a split floor plan, large living room, open kitchen, breakfast nook, dining room, enclosed lanai, and fully fenced yard. Roof is 13 years old but in good shape Quail Meadow is a 55+ community, with quarterly HOA fees including a clubhouse with community pool and activities. quiet neighborhood this property has many different places for shopping and also dinning and gyms. Come and take a look and make this your place. SELLER WILL PROVIDE $5000 FOR BUYER CLOSING COST OR BUYDOWN RATE.

Key facts

• Clubhouse
• Community pool
• Split floor plan

Tags

• SPLIT FLOOR PLAN
• ENCLOSED LANAI
• FULLY FENCED BACKYARD
• COMMUNITY POOL
• CLUBHOUSE

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $219k.

Deal economics

• At list price, monthly cash flow is $312 ($4k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $219k).
• Cap rate 8.0% vs local median 4.2% in Ocala — 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 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.
• Market conditions: Rents rising fast (+11.1%/yr); 663 active listings in the ZIP; 12 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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 43% of the median local income ($66k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $7k of value loss. Plan a longer hold.
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $61k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• Only 3 days on market — expect competitive offers; lowballing is unlikely to land.
• 4 sale attempts since 5y ago; this cycle's ask has dropped $30k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $166k; 32% 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→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $219,000

Questions for the listing agent

1. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.09% ✓
• Cap rate: 8.00%
• Cash-on-cash: 6.11%
• DSCR: 1.27
• GRM: 7.7

CMA / ARV

• ARV (median comp): $252,558
• List price: $219,000
• Delta: -8.93%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3303 NW 44th Ter	0.04mi	2/2.0 (-1)	1,224 (0%)	13mo	$243,500	$199	82

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: -1.2%
• Equity multiple: 0.95×
• Total profit: $-2,972
• Equity at exit: $32,654

10-year hold

• IRR: 13.3%
• Equity multiple: 2.31×
• Total profit: $80,468
• Equity at exit: $18,935

Cash invested: $61,320 (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: 663
• Price-to-rent: 7.7×

Monthly cashflow live

• Estimated rent: $2,377 high
• Mortgage (P&I): −$1,148
• Tax from tax record: −$290 /mo · $3,478/yr
• Insurance: −$91
• HOA: −$36
• Vacancy / Maint / Mgmt: −$499
• Net cashflow: $312

Break-even live

Break-even rent $1,982

Max offer price $219,000

Occupancy floor 82%

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: $54,750
• Closing costs: $6,570
• Reserves months: —
• Total cash needed: —

Rent comps 12 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3335 NW 52nd Avenue Rd Ocala, FL	2.0	2.5	1318	$2,500	$1.90	21d	1	0.67mi
5191 NW 34th St Ocala, FL	2.0	2.0	1318	$2,400	$1.82	21d	1	0.69mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$2,045	$1.75	21d	1	0.72mi
5333 NW 33rd Pl Ocala, FL	2.0	2.0	1368	$2,300	$1.68	13d	1	0.78mi
5361 NW 33rd Pl Ocala, FL	2.0	2.0	1318	$2,500	$1.90	21d	1	0.80mi
5471 NW 34th St Ocala, FL	2.0	2.0	1318	$2,900	$2.20	21d	1	0.89mi
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	1.05mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	1.06mi
2028 NW 50th Ave Ocala, FL	2.0	2.0	1066	$1,595	$1.50	21d	1	1.07mi
1918 NW 50th Cir Ocala, FL	2.0	2.0	1061	$2,200	$2.07	21d	1	1.12mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	21d	1	1.40mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	13d	1	1.40mi

HOA detail

• Monthly dues: $36 · $432/yr
• Likely covers: poolgym

Listing history 25 events

1. 2026-06-15
   days on market $219,000 Active 3 DOM
2. 2026-06-13
   remarks 693-char remark
3. 2026-06-13
   pricedays on marketlisting id $219,000 Active 1 DOM
4. 2026-06-08
   days on market $230,000 Active 171 DOM
5. 2026-06-07
   days on market $230,000 Active 170 DOM
6. 2026-06-03
   days on market $230,000 Active 166 DOM
7. 2026-06-02
   days on market $230,000 Active 165 DOM
8. 2026-05-31
   days on market $230,000 Active 163 DOM
9. 2026-05-30
   days on market $230,000 Active 162 DOM
10. 2026-02-03
    price $230,000 631-char remark

    Show marketing remark (631 chars)

    One or more photo(s) has been virtually staged. just minutes away from the World Equestrian Center! This home features 3 bedrooms, 2 baths in a split floor plan, large living room, open kitchen, breakfast nook, dining room, enclosed lanai, and fully fenced yard. Roof is 13 years old but in good shape Quail Meadow is a 55+ community, with quarterly HOA fees including a clubhouse with community pool and activities. quiet neighborhood this property has many different places for shopping and also dinning and gyms. Come and take a look and make this your place. SELLER WILL PROVIDE $5000 FOR BUYER CLOSING COST OR BUYDOWN RATE.

11. 2026-02-02
    price $244,900 631-char remark

    Show marketing remark (631 chars)

    One or more photo(s) has been virtually staged. just minutes away from the World Equestrian Center! This home features 3 bedrooms, 2 baths in a split floor plan, large living room, open kitchen, breakfast nook, dining room, enclosed lanai, and fully fenced yard. Roof is 13 years old but in good shape Quail Meadow is a 55+ community, with quarterly HOA fees including a clubhouse with community pool and activities. quiet neighborhood this property has many different places for shopping and also dinning and gyms. Come and take a look and make this your place. SELLER WILL PROVIDE $5000 FOR BUYER CLOSING COST OR BUYDOWN RATE.

12. 2025-12-19
    listed $249,000 Active 631-char remark

    Show marketing remark (631 chars)

    One or more photo(s) has been virtually staged. just minutes away from the World Equestrian Center! This home features 3 bedrooms, 2 baths in a split floor plan, large living room, open kitchen, breakfast nook, dining room, enclosed lanai, and fully fenced yard. Roof is 13 years old but in good shape Quail Meadow is a 55+ community, with quarterly HOA fees including a clubhouse with community pool and activities. quiet neighborhood this property has many different places for shopping and also dinning and gyms. Come and take a look and make this your place. SELLER WILL PROVIDE $5000 FOR BUYER CLOSING COST OR BUYDOWN RATE.

13. 2024-04-19
    historical
14. 2024-02-23
    price $219,900
15. 2023-11-09
    price $229,900
16. 2023-10-28
    price $245,900
17. 2023-09-22
    listed $249,900 Active
18. 2021-12-07
    soldstatus $166,000
19. 2021-12-03
    soldstatus $166,000 Closed
20. 2021-11-05
    status Pending
21. 2021-11-01
    status Active
22. 2021-10-18
    status Pending
23. 2021-10-17
    listed $165,000 Active
24. 1998-10-21
    soldstatus $70,000
25. 1990-01-01
    soldstatus $65,000

ⓘ 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: $3,478 · $290/mo
• Projected year-2 tax: $3,478 · $290/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ 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 · 23 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: $28,524
• − Mortgage interest: −$12,267
• − Property taxes: −$3,478
• − Insurance: −$1,095
• − Repairs & maintenance: −$2,282
• − Management: −$2,282
• − HOA: −$432
• − Depreciation: −$6,371
• Taxable income: $316
• Est. tax owed @ 24.0%: −$76
• After-tax cash flow: $3,671/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 — 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

+253.8% since first listed

16 events — show timeline

• 2026-02-03 Price Changed $230,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-02 Price Changed $244,900 Stellar MLS as Distributed by MLS Grid
• 2025-12-19 Listed $249,000 Stellar MLS as Distributed by MLS Grid
• 2024-04-19 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-02-23 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2023-11-09 Price Changed $229,900 Stellar MLS as Distributed by MLS Grid
• 2023-10-28 Price Changed $245,900 Stellar MLS as Distributed by MLS Grid
• 2023-09-22 Listed $249,900 Stellar MLS as Distributed by MLS Grid
• 2021-12-07 Sold (Public Records) $166,000 Public Records
• 2021-12-03 Sold (MLS) $166,000 Stellar MLS as Distributed by MLS Grid
• 2021-11-05 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-11-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2021-10-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-10-17 Listed $165,000 Stellar MLS as Distributed by MLS Grid
• 1998-10-21 Sold (Public Records) $70,000 Public Records
• 1990-01-01 Sold (Public Records) $65,000 Public Records

Property tax history

+14.7%/yr

Latest (2025): $3,478 · +10.1% YoY. Source: county tax records.