914 NW 52 Ave · Ocala, FL 34482

$219,900

3 bd · 2.0 ba · 1,181 sqft · SingleFamily · 37 Days on market

Built 2026 Poor condition 7,841 sqft lot ↓ 2% since listing

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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).

• Cash flow +15.8/30.0
• ARV discount +7.5/15.0
• Rent growth +5.0/5.0
• DSCR +4.9/10.0
• 1% rule +4.3/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +0.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Under Construction. Home is under construction. Completion date May 2026. * * PICTURES ARE OF A MODEL HOME SOME DETAILS MAY VARY * * Discover your ideal home with this charming new construction property, perfectly situated near the World Equestrian Center (WEC) in beautiful Ocala, FL. This 3-bedroom, 2-bathroom home features a 1-car garage and offers a fantastic opportunity for first-time home buyers and investors alike, with no HOA fees. Bright and airy open-concept living space, perfect for entertaining! Contemporary kitchen equipped with stainless steel appliances, granite countertops, and ample storage! Comfortable master suite featuring a private bathroom and spacious walk-in c

Key facts

• New construction
• No hoa fees
• Private bathroom

Tags

• NEW CONSTRUCTION
• NO HOA FEES
• OPEN-CONCEPT LIVING SPACE
• STAINLESS STEEL APPLIANCES
• GRANITE COUNTERTOPS
• PRIVATE BATHROOM

Property features AI

Finance

• Other: Property type: Residential; Property subtype: Single Family Residence; Zoning: R2; Lot size about 0.18 acres (approx. 728 m²); Living area about 1181 (public records); total building area about 1522; Unfurnished

Exterior

• Parking: Attached garage (1 car)
• Utilities: Well water; Septic tank; Cable available
• Home design: Single family residence; One story; Facing east; Under construction (projected completion June 2026)
• Construction: Brick construction; Shingle roof; Built by MOGUL CONSTRUCTION LLC (model: JENKINS); Slab foundation; New construction
• Exterior features: Asphalt road access

Interior

• Kitchen: Dishwasher; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans; Open floor plan; ENERGY STAR qualified windows
• Laundry & utility: Dedicated laundry room

🏗️ New construction. The $219,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $206,090.

What this means for you Summary

Snapshot

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

Deal economics

• At list price, monthly cash flow is $93 ($1k/yr) — positive.
• To cash-flow at today's rent, offer at most $220k (0.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $192k (12.7% below list).
• Recommended offer: $192k (12.7% below list) — sets the bar for 1% rule.
• Cap rate 6.8% vs local median 4.1% 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.
• Zoned schools: Liberty Middle School (math 40% / reading 41%, grade F, #360 of 571 statewide, top 64%, 1,365 students, 54% FRL); West Port High School (math 34% / reading 52%, grade F, #255 of 667 statewide, top 39%, 2,906 students, 52% FRL).
• Market conditions: Rents rising fast (+11.1%/yr); 670 active listings in the ZIP; 14 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).
• This rent runs 35% 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 $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 37 days — a 3% lower offer ($213k) is reasonable based on typical stale-listing flexibility.

Risks & watch-outs

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

Recommended offer $192,016 (12.7% below list)

Questions for the listing agent

1. It's been on market 37 days. Have you received any prior offers? Is the seller open to a 13% concession, seller financing, or rate buy-down credit?
2. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
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: 0.93% ✗
• Cap rate: 6.83%
• Cash-on-cash: 1.93%
• DSCR: 1.09
• GRM: 8.9

CMA / ARV

• ARV (median comp): $206,090
• List price: $219,900
• Delta: 6.70%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5785 NW 14th St	0.35mi	3/2.0	1,232 (+4%)	6mo	$215,000	$175	72
1035 NW 52nd Ct	0.35mi	3/2.0	1,181 (0%)	17mo	$215,000	$182	70
1089 NW 52nd Ct	0.35mi	3/2.0	1,181 (0%)	17mo	$220,000	$186	70
5935 NW 14th St	0.43mi	3/2.0	1,173 (-1%)	15mo	$225,000	$192	66
5339 NW 6th Pl	0.31mi	3/2.0	1,173 (-1%)	24mo	$230,000	$196	64
5711 NW 4th St	0.36mi	3/2.0	1,028 (-13%)	3mo	$190,000	$185	59
1384 NW 48th Ter	0.72mi	3/2.0	1,263 (+7%)	2mo	$262,790	$208	53
5532 NW 1st St	0.61mi	3/2.0	1,248 (+6%)	19mo	$195,000	$156	46
5747 NW 4th St	0.37mi	3/2.0	1,028 (-13%)	24mo	$225,000	$219	41

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: -7.8%
• Equity multiple: 0.70×
• Total profit: $-17,316
• Equity at exit: $30,729

10-year hold

• IRR: 7.3%
• Equity multiple: 1.67×
• Total profit: $38,826
• Equity at exit: $17,819

Cash invested: $57,705 (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: 9.5×

Monthly cashflow live

• Estimated rent: $1,920 high
• Mortgage (P&I): −$1,081
• Tax est. 1.5%: −$258 /mo · $3,091/yr
• Insurance: −$86
• HOA: −$0
• Vacancy / Maint / Mgmt: −$403
• Net cashflow: $93

Break-even live

Break-even rent $1,803

Max offer price $206,090

Occupancy floor 90%

Sensitivity live

Price	-10% $235	-5% $164	+0% $93	+5% $21	+10% $-50
Rent	-10% $-59	-5% $17	+0% $93	+5% $169	+10% $244
Rate	-1.0pp $196	-0.5pp $145	base $93	+0.5pp $39	+1.0pp $-15

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: $51,523
• Closing costs: $6,183
• Reserves months: —
• Total cash needed: —

Rent comps 14 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
933 NW 57th Ct Unit 935 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	23d	1	0.15mi
985 NW 57th Ct Unit 987 Ocala, FL	3.0	2.0	1162	$1,697	$1.46	23d	1	0.16mi
985 NW 57th Ct Unit 985 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	23d	1	0.16mi
1017 NW 57th Ct Unit 1019 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	23d	1	0.16mi
5811 NW 10th St Unit 5811 Ocala, FL	3.0	2.0	1162	$1,649	$1.42	23d	1	0.23mi
1527 NW 57th Ct Unit 1 Ocala, FL	3.0	2.0	1460	$1,550	$1.06	23d	1	0.41mi
311 NW 60th Ave Ocala, FL	3.0	2.0	1462	$1,900	$1.30	23d	1	0.58mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	15d	1	0.65mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	23d	1	0.65mi
1918 NW 50th Cir Ocala, FL	2.0	2.0	1061	$2,200	$2.07	23d	1	0.89mi
2028 NW 50th Ave Ocala, FL	2.0	2.0	1066	$1,595	$1.50	23d	1	0.94mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	23d	1	0.95mi
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	23d	1	0.95mi
NW 40th Avenue Rd Ocala, FL	2.0	1.0	1050	$1,050	$1.00	15d	1	1.48mi

Listing history 17 events

1. 2026-06-21
   days on market $219,900 Active 37 DOM
2. 2026-06-18
   days on market $219,900 Active 34 DOM
3. 2026-06-17
   days on market $219,900 Active 33 DOM
4. 2026-06-16
   days on market $219,900 Active 32 DOM
5. 2026-06-15
   days on market $219,900 Active 31 DOM
6. 2026-06-14
   days on market $219,900 Active 29 DOM
7. 2026-06-13
   days on market $219,900 Active 28 DOM
8. 2026-06-10
   days on market $219,900 Active 26 DOM
9. 2026-06-09
   days on market $219,900 Active 25 DOM
10. 2026-06-08
    days on market $219,900 Active 24 DOM
11. 2026-06-07
    pricedays on market $219,900 Active 23 DOM
12. 2026-06-03
    days on market $225,000 Active 19 DOM
13. 2026-06-02
    days on market $225,000 Active 18 DOM
14. 2026-06-01
    days on market $225,000 Active 17 DOM
15. 2026-05-31
    days on market $225,000 Active 16 DOM
16. 2026-05-30
    days on market $225,000 Active 15 DOM
17. 2026-05-15
    listed $225,000 Active 1403-char remark

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 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: $23,042
• − Mortgage interest: −$11,544
• − Property taxes: −$3,091
• − Insurance: −$1,030
• − Repairs & maintenance: −$1,843
• − Management: −$1,843
• − Depreciation: −$5,995
• Taxable loss: −$2,306
• Est. tax savings @ 24.0%: +$553
• After-tax cash flow: $1,666/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 · 2 photos

Poor 10/100 Gut rehab

This property is under construction and will not be move-in ready until May 2026. No repairs or maintenance are needed as it is in the construction phase.

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

-2.3% since first listed

2 events — show timeline

• 2026-06-04 Price Changed $219,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-15 Listed $225,000 Stellar MLS as Distributed by MLS Grid