7875 SW 5th Pl · Ocala, FL 34474

$140,000

2 bd · 2.0 ba · 1,289 sqft · Manufactured public records · 20 Days on market

Built 2001 7,405 sqft lot $200/mo HOA · 10% of rent

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Why this score? — see what drove the B- 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 +30.0/30.0
• DSCR +10.0/10.0
• 1% rule +9.9/10.0
• ARV discount +7.5/15.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

Welcome home to 7875 SW 5th Pl in The Falls of Ocala! This charming 2-bedroom, 2-bath manufactured home offers a desirable split floor plan with comfortable flow throughout. Enjoy peaceful mornings and evenings on the front screened lanai, plus extra storage in the carport utility room. Located in a 55+ community with low HOA fees and access to a community pool, this home is conveniently close to dining, medical facilities, shopping, and everyday essentials. Built by Skyline in 2000, with a 2020 roof, 2017 HVAC, and reverse osmosis system. Schedule your private showing today!

Key facts

• Extra storage
• Community pool
• Split floor plan

Tags

• SPLIT FLOOR PLAN
• FRONT SCREENED LANAI
• EXTRA STORAGE
• COMMUNITY POOL
• REVERSE OSMOSIS SYSTEM

Property features AI

Finance

• Other: Total acreage: less than 1/4 acre (approx. 0.17 acres)
• Financial info: Lease restrictions apply
• HOA & community: HOA managed by MEB Real Estate; Monthly HOA fee of $200; HOA covers common area taxes, pool, sewer, trash and water; Community pool; Senior community; Pets allowed

Exterior

• Parking: Carport with 2 spaces
• Utilities: Public water; Public sewer; Electricity connected; Cable connected; Sewer connected; Water connected
• Home design: Manufactured double-wide home; One level; Faces south; PUD zoning; Homestead property
• Construction: Vinyl siding; Shingle roof; Pillar/post/pier foundation; Built as a manufactured home (double wide)
• Exterior features: Paved road access; Other exterior features

Interior

• Kitchen: Dishwasher; Microwave; Range
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Living room and dining room combo; Split bedroom layout; Sliding doors
• Laundry & utility: Indoor laundry

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $140k.

Deal economics

• At list price, monthly cash flow is $583 ($7k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $140k).
• Recommended offer: $138k (1.5% below list) — sets the bar for market timing.
• Cap rate 11.3% 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 flat; 295 active listings in the ZIP; 4 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 ($65k/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 $968 of loan paydown is wiped out by about $4k 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 + 0.1% rent growth), your $39k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($138k) is reasonable based on typical stale-listing flexibility.
• Current owner paid $28k; list at $140k implies a 409% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $137,900 (1.5% below list)

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: 1.49% ✓
• Cap rate: 11.29%
• Cash-on-cash: 17.85%
• DSCR: 1.79
• GRM: 5.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 0.12% rent growth · sell at horizon

5-year hold

• IRR: 5.9%
• Equity multiple: 1.22×
• Total profit: $8,687
• Equity at exit: $20,874

10-year hold

• IRR: 12.4%
• Equity multiple: 1.84×
• Total profit: $33,054
• Equity at exit: $12,105

Cash invested: $39,200 (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 34474

• Home prices YoY: -28.4%
• Rents YoY: 0.1%
• Active inventory: 295
• Price-to-rent: 5.6×

Monthly cashflow live

• Estimated rent: $2,080 medium
• Mortgage (P&I): −$734
• Tax from tax record: −$68 /mo · $812/yr
• Insurance: −$58
• HOA: −$200
• Vacancy / Maint / Mgmt: −$437
• Net cashflow: $583

Break-even live

Break-even rent $1,342

Max offer price $140,000

Occupancy floor 67%

Sensitivity live

Price	-10% $662	-5% $623	+0% $583	+5% $544	+10% $504
Rent	-10% $419	-5% $501	+0% $583	+5% $665	+10% $748
Rate	-1.0pp $654	-0.5pp $619	base $583	+0.5pp $547	+1.0pp $510

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
238 NW 76th Ter Ocala, FL	3.0	2.0	1000	$1,750	$1.75	22d	1	0.52mi
7640 SW 14th St Ocala, FL	3.0	2.0	1173	$1,699	$1.45	22d	1	0.64mi
7710 NW 14th St Ocala, FL	3.0	3.0	1521	$4,500	$2.96	22d	1	1.24mi
7444 NW 14th St Ocala, FL	1.0	1.5	1000	$2,500	$2.50	22d	1	1.32mi

HOA detail

• Monthly dues: $200 · $2,400/yr
• Likely covers: pool

Listing history 17 events

1. 2026-06-18
   days on market $140,000 Active 20 DOM
2. 2026-06-17
   days on market $140,000 Active 19 DOM
3. 2026-06-16
   days on market $140,000 Active 18 DOM
4. 2026-06-15
   days on market $140,000 Active 17 DOM
5. 2026-06-14
   days on market $140,000 Active 15 DOM
6. 2026-06-13
   days on market $140,000 Active 14 DOM
7. 2026-06-10
   days on market $140,000 Active 12 DOM
8. 2026-06-09
   days on market $140,000 Active 11 DOM
9. 2026-06-08
   days on market $140,000 Active 10 DOM
10. 2026-06-07
    days on market $140,000 Active 9 DOM
11. 2026-06-03
    days on market $140,000 Active 5 DOM
12. 2026-06-02
    days on market $140,000 Active 4 DOM
13. 2026-06-01
    days on market $140,000 Active 3 DOM
14. 2026-05-31
    days on market $140,000 Active 2 DOM
15. 2026-05-29
    listed $140,000 Active
16. 2005-09-30
    soldstatus $27,500
17. 2003-12-17
    soldstatus $600,000

ⓘ 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: $812 · $68/mo
• Projected year-2 tax: $1,162 · $97/mo
• Expected delta: +$350/yr (+$29/mo · 43.1%)

ⓘ 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 · 21 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: $24,963
• − Mortgage interest: −$7,842
• − Property taxes: −$812
• − Insurance: −$700
• − Repairs & maintenance: −$1,997
• − Management: −$1,997
• − HOA: −$2,400
• − Depreciation: −$4,073
• Taxable income: $5,142
• Est. tax owed @ 24.0%: −$1,234
• After-tax cash flow: $5,764/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): 20,258
• Household income: $65,291
• Rent vs Own: 55.8% rent · 44.2% own
• Severe rent burden: 1062.0

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: Diverse neighborhood (Simpson 0.64)
• Race & ethnicity: White 52% Hispanic / Latino 25% Black 13% Two or more races 8% Asian 8%
• Hispanic origin (detail): Mexican 2% Puerto Rican 10%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 1%
• Foreign-born: 21% · Canada, Jamaica, Vietnam
• Languages at home: 71% English-only · Spanish 22% Other Indo-European 4% Vietnamese 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: ▼ -78.16%
• Current HPI: 196.5607
• Rent YoY: ▲ 0.12%
• 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

-76.7% since first listed

3 events — show timeline

• 2026-05-29 Listed $140,000 Stellar MLS as Distributed by MLS Grid
• 2005-09-30 Sold (Public Records) $27,500 Public Records
• 2003-12-17 Sold (Public Records) $600,000 Public Records

Property tax history

+6.0%/yr

Latest (2025): $812 · +38.6% YoY. Source: county tax records.