8598 SW 60th Cir · Liberty Triangle, FL 34476

$237,900

3 bd · 2.0 ba · 1,744 sqft · SingleFamily public records · 72 Days on market

Built 1999 9,583 sqft lot $136/sqft · 8% below area Est $259k · 8% under $200/mo HOA · 10% of rent

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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 +11.2/30.0
• ARV discount +11.1/15.0
• 1% rule +3.6/10.0
• Schools +3.6/10.0
• DSCR +3.3/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Welcome home to this beautifully updated residence located in the desirable Marion Landing community—one of Ocala’s most sought-after 55+ neighborhoods known for its peaceful ambiance, active lifestyle, and central location. Step inside to discover an inviting open-concept floor plan filled with natural light and cathedral ceilings. The spacious living area flows seamlessly into a contemporary kitchen with stainless steel appliances, and ample cabinetry—perfect for entertaining guests or enjoying quiet evenings at home. The primary suite offers a relaxing retreat with a walk-in closet and an ensuite bath featuring a walk-in shower. Two additional bedrooms provide flexibility for guests or a home office. Enjoy Florida living at its best from your screened lanai or private backyard, ideal for morning coffee or sunset gatherings. This home combines comfort and convenience with recent upgrades such as a newer roof (2024) and HVAC system (2020). Residents of Marion Landing enjoy resort-style amenities including a community pool, tennis & pickleball courts, a clubhouse, fitness facilities, and even a private bowling alley. Shopping, dining, and medical services are just minutes away. Don't miss this move-in-ready gem — schedule your private tour today!

Key facts

• Contemporary kitchen
• Ample cabinetry
• Walk-in closet

Tags

• OPEN-CONCEPT FLOOR PLAN
• CATHEDRAL CEILINGS
• CONTEMPORARY KITCHEN
• STAINLESS STEEL APPLIANCES
• AMPLE CABINETRY
• WALK-IN CLOSET

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $238k.

Deal economics

• At list price, monthly cash flow is $-92 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $222k (6.9% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $203k (14.5% below list).
• Recommended offer: $203k (14.5% below list) — sets the bar for 1% rule.
• Cap rate 5.8% vs local median 4.5% in Liberty Triangle — meaningfully above typical; check what's discounted (condition, days-on-market, listing class) to confirm the premium yield is real.

Location & tenants

• Location reads: area grade D — 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: Rents soft (-2.6%/yr); 852 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 37% 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.

Negotiation context

• It's been on market 72 days — a 6% lower offer ($224k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $118k; list at $238k implies a 102% 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; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $203,414 (14.5% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 72 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 0.86% ✗
• Cap rate: 5.83%
• Cash-on-cash: -1.66%
• DSCR: 0.93
• GRM: 9.7

CMA / ARV

• ARV (median comp): $258,670
• List price: $237,900
• Delta: -8.03%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5660 SW 85th Pl	0.37mi	3/2.0	1,808 (+4%)	9mo	$372,500	$206	69
8463 SW 62nd Ct	0.22mi	3/2.0	1,835 (+5%)	19mo	$267,900	$146	65
6574 SW 89th Loop	0.49mi	3/2.0	1,703 (-2%)	16mo	$324,775	$191	59
6549 SW 84th Place Rd	0.49mi	2/2.0 (-1)	1,603 (-8%)	4mo	$228,000	$142	55
8296 SW 56th Ter	0.45mi	3/2.0	1,830 (+5%)	19mo	$405,000	$221	55
6692 SW 89th Loop	0.75mi	3/2.0	1,703 (-2%)	8mo	$280,000	$164	54
8691 SW 57th Court Rd	0.30mi	2/2.0 (-1)	1,616 (-7%)	18mo	$260,000	$161	54
6698 SW 85th St	0.65mi	3/2.0	1,728 (-1%)	19mo	$80,000	$46	52
8123 SW 55th Ave	0.71mi	3/2.0	1,843 (+6%)	10mo	$345,000	$187	49
6578 SW 89th Loop	0.49mi	4/3.0 (+1)	1,958 (+12%)	18mo	$300,100	$153	33
6672 SW 89th Loop	0.71mi	4/3.0 (+1)	1,943 (+11%)	10mo	$323,485	$166	30
6615 SW 89th Ln	0.65mi	4/3.0 (+1)	1,943 (+11%)	14mo	$307,000	$158	30

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 · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -22.6%
• Equity multiple: 0.24×
• Total profit: $-50,332
• Equity at exit: $35,472

10-year hold

• IRR: -27.5%
• Equity multiple: -0.11×
• Total profit: $-74,183
• Equity at exit: $20,569

Cash invested: $66,612 (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 34476

• Rents YoY: -2.6%
• Active inventory: 852
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,034 high
• Mortgage (P&I): −$1,248
• Tax from tax record: −$153 /mo · $1,832/yr
• Insurance: −$99
• HOA: −$200
• Vacancy / Maint / Mgmt: −$427
• Net cashflow: $-92

Break-even live

Break-even rent $2,151

Max offer price $221,575

Occupancy floor 100%

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: $59,475
• Closing costs: $7,137
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13110 SW 89th St Ocala, FL	4.0	2.5	1824	$1,950	$1.07	21d	1	0.32mi
6243 SW 90th St Ocala, FL	2.0	2.0	1700	$1,750	$1.03	21d	1	0.47mi
9198 SW 62nd Terrace Rd Ocala, FL	3.0	2.0	1710	$1,850	$1.08	13d	1	0.61mi
6644 SW 84th St Ocala, FL	3.0	2.0	1485	$950	$0.64	21d	1	0.64mi
6609 SW 81st Loop Ocala, FL	3.0	2.5	1458	$1,750	$1.20	13d	1	0.67mi
6615 SW 89th Ln Ocala, FL	4.0	3.0	1958	$2,195	$1.12	13d	1	0.71mi
6676 SW 81st Loop Ocala, FL	3.0	2.5	1458	$1,710	$1.17	13d	1	0.73mi
6582 SW 81st Loop Ocala, FL	3.0	2.5	1505	$1,700	$1.13	13d	1	0.73mi
9324 SW 58th Cir Ocala, FL	3.0	2.0	2141	$2,500	$1.17	21d	1	0.73mi
6534 SW 82nd Loop Ocala, FL	3.0	2.5	1450	$1,900	$1.31	13d	1	0.75mi
5637 SW 93rd St Ocala, FL	4.0	3.0	2039	$2,600	$1.28	13d	1	0.78mi
8250 SW 67th Ave Ocala, FL	3.0	2.5	1505	$1,635	$1.09	21d	1	0.79mi
8780 SW 49th Cir Ocala, FL	3.0	2.0	1672	$1,900	$1.14	21d	1	0.83mi
8792 SW 49th Cir Ocala, FL	4.0	2.0	1498	$1,850	$1.23	21d	1	0.84mi
7195 SW 92nd St Ocala, FL	3.0	2.5	1220	$1,750	$1.43	21d	1	0.86mi
8940 SW 50th Ter Ocala, FL	4.0	2.0	1827	$2,195	$1.20	21d	1	0.93mi
4828 SW 86th Ln Ocala, FL	3.0	2.0	1672	$1,950	$1.17	21d	1	1.09mi
8710 SW 71st Ave Ocala, FL	1.0–3.0	1.0–2.5	1312	$2,270	$1.73	13d	27	1.10mi
7177 SW 92nd St Ocala, FL	3.0	2.5	1410	$1,850	$1.31	21d	1	1.14mi
4939 SW 81st Loop Ocala, FL	3.0	2.5	1828	$1,750	$0.96	13d	1	1.14mi
4915 SW 81st St Ocala, FL	3.0	2.5	1707	$1,795	$1.05	13d	1	1.18mi
4703 SW 85th Pl Ocala, FL	4.0	2.0	1828	$2,500	$1.37	13d	1	1.21mi
8609 SW 46th Ter Ocala, FL	3.0	2.0	1670	$2,400	$1.44	13d	1	1.25mi
4697 SW 89th St Ocala, FL	4.0	2.0	1848	$2,150	$1.16	13d	1	1.25mi
4643 SW 84th Street Rd Ocala, FL	3.0	2.0	1663	$1,925	$1.16	13d	1	1.27mi
7070 SW 65th Ave Ocala, FL	3.0	2.0	1940	$2,500	$1.29	21d	1	1.28mi
6035 SW 98th Street Rd Ocala, FL	2.0	2.0	1494	$1,650	$1.10	13d	1	1.28mi
7051 SW 64th Ter Ocala, FL	3.0	2.0	1755	$1,775	$1.01	13d	1	1.35mi
9109 SW 45th Ter Ocala, FL	4.0	2.0	1828	$2,150	$1.18	13d	1	1.42mi
15062 SW 63rd Ct Ocala, FL	4.0	2.5	1560	$1,850	$1.19	21d	1	1.42mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	13d	1	1.43mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	13d	1	1.43mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	21d	1	1.43mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	13d	1	1.43mi
8665 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	21d	1	1.46mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	13d	1	1.49mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	13d	1	1.49mi

HOA detail

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

Listing history 21 events

1. 2026-06-18
   days on market $237,900 Active 72 DOM
2. 2026-06-17
   days on market $237,900 Active 71 DOM
3. 2026-06-16
   days on market $237,900 Active 70 DOM
4. 2026-06-15
   days on market $237,900 Active 69 DOM
5. 2026-06-14
   days on market $237,900 Active 67 DOM
6. 2026-06-13
   days on market $237,900 Active 66 DOM
7. 2026-06-10
   days on market $237,900 Active 64 DOM
8. 2026-06-09
   days on market $237,900 Active 63 DOM
9. 2026-06-08
   days on market $237,900 Active 62 DOM
10. 2026-06-07
    days on market $237,900 Active 61 DOM
11. 2026-06-03
    days on market $237,900 Active 57 DOM
12. 2026-06-02
    days on market $237,900 Active 56 DOM
13. 2026-06-01
    days on market $237,900 Active 55 DOM
14. 2026-05-31
    days on market $237,900 Active 54 DOM
15. 2026-05-30
    days on market $237,900 Active 53 DOM
16. 2026-04-28
    status Active 1296-char remark

    Show marketing remark (1296 chars)

    Welcome home to this beautifully updated residence located in the desirable Marion Landing community—one of Ocala’s most sought-after 55+ neighborhoods known for its peaceful ambiance, active lifestyle, and central location. Step inside to discover an inviting open-concept floor plan filled with natural light and cathedral ceilings. The spacious living area flows seamlessly into a contemporary kitchen with stainless steel appliances, and ample cabinetry—perfect for entertaining guests or enjoying quiet evenings at home. The primary suite offers a relaxing retreat with a walk-in closet and an ensuite bath featuring a walk-in shower. Two additional bedrooms provide flexibility for guests or a home office. Enjoy Florida living at its best from your screened lanai or private backyard, ideal for morning coffee or sunset gatherings. This home combines comfort and convenience with recent upgrades such as a newer roof (2024) and HVAC system (2020). Residents of Marion Landing enjoy resort-style amenities including a community pool, tennis & pickleball courts, a clubhouse, fitness facilities, and even a private bowling alley. Shopping, dining, and medical services are just minutes away. Don't miss this move-in-ready gem — schedule your private tour today!

17. 2026-04-15
    status Pending 1296-char remark

    Show marketing remark (1296 chars)

    Welcome home to this beautifully updated residence located in the desirable Marion Landing community—one of Ocala’s most sought-after 55+ neighborhoods known for its peaceful ambiance, active lifestyle, and central location. Step inside to discover an inviting open-concept floor plan filled with natural light and cathedral ceilings. The spacious living area flows seamlessly into a contemporary kitchen with stainless steel appliances, and ample cabinetry—perfect for entertaining guests or enjoying quiet evenings at home. The primary suite offers a relaxing retreat with a walk-in closet and an ensuite bath featuring a walk-in shower. Two additional bedrooms provide flexibility for guests or a home office. Enjoy Florida living at its best from your screened lanai or private backyard, ideal for morning coffee or sunset gatherings. This home combines comfort and convenience with recent upgrades such as a newer roof (2024) and HVAC system (2020). Residents of Marion Landing enjoy resort-style amenities including a community pool, tennis & pickleball courts, a clubhouse, fitness facilities, and even a private bowling alley. Shopping, dining, and medical services are just minutes away. Don't miss this move-in-ready gem — schedule your private tour today!

18. 2026-04-12
    historical 1296-char remark

    Show marketing remark (1296 chars)

    Welcome home to this beautifully updated residence located in the desirable Marion Landing community—one of Ocala’s most sought-after 55+ neighborhoods known for its peaceful ambiance, active lifestyle, and central location. Step inside to discover an inviting open-concept floor plan filled with natural light and cathedral ceilings. The spacious living area flows seamlessly into a contemporary kitchen with stainless steel appliances, and ample cabinetry—perfect for entertaining guests or enjoying quiet evenings at home. The primary suite offers a relaxing retreat with a walk-in closet and an ensuite bath featuring a walk-in shower. Two additional bedrooms provide flexibility for guests or a home office. Enjoy Florida living at its best from your screened lanai or private backyard, ideal for morning coffee or sunset gatherings. This home combines comfort and convenience with recent upgrades such as a newer roof (2024) and HVAC system (2020). Residents of Marion Landing enjoy resort-style amenities including a community pool, tennis & pickleball courts, a clubhouse, fitness facilities, and even a private bowling alley. Shopping, dining, and medical services are just minutes away. Don't miss this move-in-ready gem — schedule your private tour today!

19. 2026-03-24
    listed $239,900 Active 1296-char remark

    Show marketing remark (1296 chars)

    Welcome home to this beautifully updated residence located in the desirable Marion Landing community—one of Ocala’s most sought-after 55+ neighborhoods known for its peaceful ambiance, active lifestyle, and central location. Step inside to discover an inviting open-concept floor plan filled with natural light and cathedral ceilings. The spacious living area flows seamlessly into a contemporary kitchen with stainless steel appliances, and ample cabinetry—perfect for entertaining guests or enjoying quiet evenings at home. The primary suite offers a relaxing retreat with a walk-in closet and an ensuite bath featuring a walk-in shower. Two additional bedrooms provide flexibility for guests or a home office. Enjoy Florida living at its best from your screened lanai or private backyard, ideal for morning coffee or sunset gatherings. This home combines comfort and convenience with recent upgrades such as a newer roof (2024) and HVAC system (2020). Residents of Marion Landing enjoy resort-style amenities including a community pool, tennis & pickleball courts, a clubhouse, fitness facilities, and even a private bowling alley. Shopping, dining, and medical services are just minutes away. Don't miss this move-in-ready gem — schedule your private tour today!

20. 2016-06-10
    soldstatus $118,000
21. 1999-05-27
    soldstatus $12,000

ⓘ 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: $1,832 · $153/mo
• Projected year-2 tax: $1,975 · $165/mo
• Expected delta: +$142/yr (+$12/mo · 7.8%)

ⓘ 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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,410
• − Mortgage interest: −$13,326
• − Property taxes: −$1,832
• − Insurance: −$1,190
• − Repairs & maintenance: −$1,953
• − Management: −$1,953
• − HOA: −$2,400
• − Depreciation: −$6,921
• Taxable loss: −$5,164
• Est. tax savings @ 24.0%: +$1,239
• After-tax cash flow: $131/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 — Liberty Triangle

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

Census & demographics

• Census place: Liberty Triangle, FL
• County: Marion County · 315,796 people
• City population: 26,397
• Metro: Ocala, FL
• Population (ZIP): 28,997
• Household income: $65,860
• Rent vs Own: 12.3% rent · 87.7% own
• Severe rent burden: 204.0

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 0.55)
• Race & ethnicity: White 63% Hispanic / Latino 18% Black 13% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 8% Cuban 3%
• Common ancestry: Romanian 3% Slovak 3% Lithuanian 3%
• Foreign-born: 15% · Canada, Jamaica, Dominican Republic
• Languages at home: 83% English-only · Spanish 14% Other Indo-European 1% German/W. Germanic 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: ▼ -105.22%
• Current HPI: 189.0869
• Rent YoY: ▼ -2.57%
• 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

+1899.2% since first listed

6 events — show timeline

• 2026-04-28 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-12 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-03-24 Listed $239,900 Stellar MLS as Distributed by MLS Grid
• 2016-06-10 Sold (Public Records) $118,000 Public Records
• 1999-05-27 Sold (Public Records) $12,000 Public Records

Property tax history

+6.9%/yr

Latest (2025): $1,832 · +15.0% YoY. Source: county tax records.