26 Dogwood Drive Crse · Silver Springs Shores, FL 34472

$244,900

3 bd · 2.0 ba · 1,315 sqft · SingleFamily · 121 Days on market

Built 2026 Excellent condition 10,454 sqft lot 2-car garage

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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).

• Appreciation +8.0/10.0
• ARV discount +7.5/15.0
• Cash flow +7.0/30.0
• Condition / age +5.0/5.0
• Schools +3.8/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• 1% rule +1.9/10.0
• DSCR +1.2/10.0

Listing remarks

Under Construction. Beautiful NEW construction home in desirable SE Ocala neighborhood, completed and move in ready. Nice lot with 3 bedrooms, 2 baths in an open concept split floor plan. Home features great curb appeal, granite counters, real wood cabinets, stainless steel appliances, luxury vinyl plank throughout, ceiling fans, upgraded light fixtures. Master suite with WIC and private bath with tiled shower. Landscape package, inside laundry, and 2 car garage. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Builder has other similar homes available as well.

Key facts

• Open concept
• New construction
• Luxury vinyl plank

Tags

• NEW CONSTRUCTION
• OPEN CONCEPT
• GRANITE COUNTERS
• REAL WOOD CABINETS
• STAINLESS STEEL APPLIANCES
• LUXURY VINYL PLANK

🏗️ New construction. The $244,900 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $257,931.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $245k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-378 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $203k (17.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $178k (27.4% below list).
• Recommended offer: $178k (27.4% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#527 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: crime C-, employment D, amenities 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: Legacy Elementary School (math 35% / reading 35%, grade F, #1,697 of 2,144 statewide, top 80%, 716 students, 72% FRL); Lake Weir Middle School (math 37% / reading 33%, grade F, #416 of 571 statewide, top 74%, 1,207 students, 76% FRL); Forest High School (math 36% / reading 54%, grade D-, #228 of 667 statewide, top 35%, 2,325 students, 42% FRL) — zoned schools at 63% FRL track the district average.
• Market conditions: Rents flat; 856 active listings in the ZIP; 33 comparable units currently listed for rent nearby; rentals lingering (median 70d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 33% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $17k of equity ($2k loan paydown + $15k appreciation (5.9% local appreciation)).
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 3, paydown + projected appreciation supports a ~$42k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 121 days — a 12% lower offer ($216k) 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→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $177,786 (27.4% 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 121 days. Have you received any prior offers? Is the seller open to a 27% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.69% ✗
• Cap rate: 4.53%
• Cash-on-cash: -6.28%
• DSCR: 0.72
• GRM: 12.1

CMA / ARV

• ARV (median comp): $257,931
• List price: $244,900
• Delta: -5.05%
• 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
22 Dogwood Drive Ct	0.12mi	3/2.0	1,389 (+6%)	0mo	$234,900	$169	85
20 Willow Rd	0.34mi	3/2.0	1,331 (+1%)	0mo	$249,900	$188	82
1 Dogwood Drive Crse	0.17mi	3/2.0	1,411 (+7%)	3mo	$210,000	$149	77
107 Dogwood Dr	0.31mi	3/2.0	1,389 (+6%)	3mo	$220,000	$158	73
7 Dogwood	0.24mi	3/2.0	1,174 (-11%)	3mo	$154,000	$131	69
8 Pine Pass Trce	0.40mi	3/2.0	1,421 (+8%)	0mo	$225,000	$158	68
34 Pine Course Pass	0.72mi	3/2.0	1,315 (0%)	3mo	$245,000	$186	64
8 Pine Trace Pl	0.65mi	3/2.0	1,360 (+3%)	2mo	$268,900	$198	63
12 Pine Trace Way	0.60mi	3/2.0	1,400 (+6%)	3mo	$274,000	$196	58
72 Cedar Rd	0.65mi	3/2.0	1,412 (+7%)	1mo	$260,000	$184	56
5 Laurel Pass Ct	0.73mi	3/2.0	1,416 (+8%)	1mo	$240,000	$169	53
6 Pine Trace Ln	0.67mi	3/2.0	1,154 (-12%)	4mo	$205,000	$178	45

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

5.93% appreciation · 0.17% rent growth · sell at horizon

5-year hold

• IRR: 9.2%
• Equity multiple: 1.62×
• Total profit: $44,467
• Equity at exit: $161,048

10-year hold

• IRR: 9.9%
• Equity multiple: 2.95×
• Total profit: $141,076
• Equity at exit: $291,109

Cash invested: $72,221 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 40 active · 28 under contract
• Months of supply: 6.2 mo (16%/mo absorbed)
• Median asking: $244,895 ($185/sqft)
• Median days on market: 73 d
• This list price: 50% of active listings are priced below it
• ARV vs active asking: +6.1% vs current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34472

• Home prices YoY: 2.4%
• Rents YoY: 0.2%
• Active inventory: 856
• Price-to-rent: 11.5×

Monthly cashflow live

• Estimated rent: $1,778 high
• Mortgage (P&I): −$1,353
• Tax est. 1.5%: −$322 /mo · $3,869/yr
• Insurance: −$107
• HOA: −$0
• Vacancy / Maint / Mgmt: −$373
• Net cashflow: $-378

Break-even live

Break-even rent $2,256

Max offer price $203,235

Occupancy floor —

Sensitivity live

Price	-10% $-200	-5% $-289	+0% $-378	+5% $-467	+10% $-556
Rent	-10% $-518	-5% $-448	+0% $-378	+5% $-308	+10% $-238
Rate	-1.0pp $-248	-0.5pp $-312	base $-378	+0.5pp $-445	+1.0pp $-513

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: $64,483
• Closing costs: $7,738
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 33 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2 Dogwood Drive Pl Ocala, FL	4.0	2.0	1608	$2,099	$1.31	70d	1	0.08mi
3 Pine Circle Pass Ocala, FL	3.0	2.0	1674	$1,700	$1.02	70d	1	0.24mi
9 Pine Course Radl Ocala, FL	3.0	2.0	1453	$1,725	$1.19	63d	1	0.25mi
6 Cedar Dr Ocala, FL	3.0	2.0	1477	$1,675	$1.13	70d	1	0.26mi
57 Pine Cir Ocala, FL	3.0	2.0	1270	$1,897	$1.49	63d	1	0.28mi
88 Dogwood Drive Loop Ocala, FL	3.0	2.0	1659	$1,600	$0.96	70d	1	0.37mi
139 Pine Crse Ocala, FL	3.0	2.0	1398	$1,645	$1.18	63d	1	0.40mi
98 Dogwood Drive Cir Ocala, FL	3.0	2.0	1337	$1,695	$1.27	70d	1	0.51mi
21 Dogwood Drive Pass Ocala, FL	3.0	2.0	1390	$1,595	$1.15	70d	1	0.57mi
54 Laurel Pass Ocala, FL	2.0	2.0	1000	$1,200	$1.20	70d	1	0.73mi
58 Laurel Pass Ocala, FL	2.0	2.0	1000	$1,200	$1.20	70d	1	0.74mi
7 Pine Run Ter Ocala, FL	3.0	2.0	1432	$1,500	$1.05	63d	1	0.74mi
66 Laurel Pass Ocala, FL	2.0	2.0	974	$1,175	$1.21	70d	1	0.75mi
43 Water Track Loop Ocala, FL	3.0	2.0	1287	$1,799	$1.40	63d	1	0.80mi
9 Dogwood Trail Dr Ocala, FL	3.0	2.0	1110	$1,595	$1.44	70d	1	0.87mi
7215 Midway Ter Ocala, FL	2.0	2.0	975	$1,175	$1.21	70d	1	0.89mi
11 Aspen Dr Ocala, FL	3.0	2.0	1357	$1,725	$1.27	70d	1	0.96mi
23 Aspen Dr Ocala, FL	3.0	2.0	1399	$1,650	$1.18	70d	1	1.00mi
7455 Midway Ter Unit K Ocala, FL	2.0	1.0	904	$1,249	$1.38	70d	1	1.04mi
7044 Hemlock Crse Ocala, FL	3.0	2.0	1270	$1,897	$1.49	63d	1	1.12mi
28 Poplar Run Ocala, FL	3.0	2.0	1473	$1,650	$1.12	63d	1	1.12mi
5 Cedar Ln Ocala, FL	3.0	2.0	1064	$1,750	$1.64	70d	1	1.14mi
60 Walnut Rd Ocala, FL	2.0	2.0	969	$1,200	$1.24	70d	1	1.14mi
52 Walnut Rd Ocala, FL	2.0	2.0	969	$1,175	$1.21	63d	1	1.15mi
31 Walnut Run Ocala, FL	2.0	2.0	974	$1,200	$1.23	63d	1	1.17mi
6875 SE 52nd St Ocala, FL	3.0	2.0	1624	$1,750	$1.08	70d	1	1.19mi
47 Walnut Run Ocala, FL	2.0	2.0	974	$1,235	$1.27	63d	1	1.20mi
50 Walnut Run Ocala, FL	3.0	2.0	1287	$1,795	$1.39	63d	1	1.25mi
13 Pine Radial Dr Ocala, FL	3.0	2.0	1453	$1,795	$1.24	70d	1	1.30mi
9649 Bahia Rd Ocala, FL	3.0	2.0	1282	$1,595	$1.24	70d	1	1.35mi
7184 Hemlock Loop Ocala, FL	3.0	2.0	1392	$1,675	$1.20	70d	1	1.37mi
162 Bahia Terrace Dr Ocala, FL	2.0	2.0	984	$1,375	$1.40	70d	1	1.43mi
43 Bahia Pass Ocala, FL	3.0	2.0	1188	$1,475	$1.24	70d	1	1.45mi

Property features AI

Finance

• Other: Property type: Residential, single familyZoning: R1Lot approx. 0.24 acre (0 to less than 1/4 acre)Number of wells: 1Number of septics: 1Living area (builder): 1,315Building area total (builder): 1,788Universal property ID US-12083-N-9017028528-R-N
• Financial info: Home warranty provided
• HOA & community: No association reported

Exterior

• Parking: Attached 2-car garage (19x20)
• Utilities: Well waterAerobic septic systemPublic utilities available
• Home design: Single family residenceOne-storyUnder construction (projected completion: 2026-06-06)Faces northeast
• Construction: Block and stucco constructionShingle roofSlab foundationNew constructionBuilder: Belac Homes, LLCModel: The PalmBuilder license CBC1251305Permit number 2025082713Built/Projected completion in 2026
• Exterior features: Other exterior featuresPaved road access

Interior

• Kitchen: DishwasherMicrowaveRangeStone countertops
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Ceiling fansHigh ceilingsOpen floor planSplit bedroom layoutStone countersThermostatVaulted ceilingsWalk-in closets
• Laundry & utility: Indoor laundry room

Listing history 50 events

1. 2026-08-08
   days on market $244,900 Active 121 DOM
2. 2026-08-07
   days on market $244,900 Active 120 DOM
3. 2026-08-06
   days on market $244,900 Active 119 DOM
4. 2026-08-05
   days on market $244,900 Active 118 DOM
5. 2026-08-04
   days on market $244,900 Active 117 DOM
6. 2026-08-03
   days on market $244,900 Active 116 DOM
7. 2026-07-31
   days on market $244,900 Active 113 DOM
8. 2026-07-30
   days on market $244,900 Active 112 DOM
9. 2026-07-29
   days on market $244,900 Active 111 DOM
10. 2026-07-27
    days on market $244,900 Active 109 DOM
11. 2026-07-25
    days on market $244,900 Active 107 DOM
12. 2026-07-23
    days on market $244,900 Active 105 DOM
13. 2026-07-22
    days on market $244,900 Active 104 DOM
14. 2026-07-21
    days on market $244,900 Active 103 DOM
15. 2026-07-18
    days on market $244,900 Active 100 DOM
16. 2026-07-16
    days on market $244,900 Active 98 DOM
17. 2026-07-16
    days on market $244,900 Active 97 DOM
18. 2026-07-14
    days on market $244,900 Active 96 DOM
19. 2026-07-13
    days on market $244,900 Active 95 DOM
20. 2026-07-12
    days on market $244,900 Active 94 DOM
21. 2026-07-11
    days on market $244,900 Active 93 DOM
22. 2026-07-10
    days on market $244,900 Active 92 DOM
23. 2026-07-10
    days on market $244,900 Active 91 DOM
24. 2026-07-08
    days on market $244,900 Active 90 DOM
25. 2026-07-07
    days on market $244,900 Active 89 DOM
26. 2026-07-06
    days on market $244,900 Active 88 DOM
27. 2026-07-05
    days on market $244,900 Active 87 DOM
28. 2026-07-04
    days on market $244,900 Active 86 DOM
29. 2026-07-03
    days on market $244,900 Active 85 DOM
30. 2026-07-02
    days on market $244,900 Active 84 DOM
31. 2026-07-01
    days on market $244,900 Active 83 DOM
32. 2026-06-30
    days on market $244,900 Active 82 DOM
33. 2026-06-29
    days on market $244,900 Active 81 DOM
34. 2026-06-28
    days on market $244,900 Active 80 DOM
35. 2026-06-28
    days on market $244,900 Active 79 DOM
36. 2026-06-27
    days on market $244,900 Active 78 DOM
37. 2026-06-25
    days on market $244,900 Active 76 DOM
38. 2026-06-23
    days on market $244,900 Active 74 DOM
39. 2026-06-21
    days on market $244,900 Active 73 DOM
40. 2026-06-18
    days on market $244,900 Active 70 DOM
41. 2026-06-17
    days on market $244,900 Active 69 DOM
42. 2026-06-16
    days on market $244,900 Active 68 DOM
43. 2026-06-15
    days on market $244,900 Active 67 DOM
44. 2026-06-14
    days on market $244,900 Active 65 DOM
45. 2026-06-13
    days on market $244,900 Active 64 DOM
46. 2026-06-10
    days on market $244,900 Active 62 DOM
47. 2026-06-09
    days on market $244,900 Active 61 DOM
48. 2026-06-08
    days on market $244,900 Active 60 DOM
49. 2026-06-07
    days on market $244,900 Active 59 DOM
50. 2026-06-03
    days on market $244,900 Active 55 DOM

ⓘ 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 4/10 Moderate FEMA zone X (unshaded) · 22% chance over 30 yrs
• 🔥 Wildfire 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°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 · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,334
• − Mortgage interest: −$14,448
• − Property taxes: −$3,869
• − Insurance: −$1,290
• − Repairs & maintenance: −$1,707
• − Management: −$1,707
• − Depreciation: −$7,503
• Taxable loss: −$9,189
• Est. tax savings @ 24.0%: +$2,205
• After-tax cash flow: $-2,330/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 · 3 photos

Excellent 100/100 None rehab

This is a brand-new construction home with excellent curb appeal and move-in-ready features. No repairs or maintenance are needed.

F Composite school gradezoned avg 38/100

Zoned Schools

Elementary Legacy Elementary School F FL #1,697/2,144 Nat'l #22,904/41,679 Middle Lake Weir Middle School F FL #416/571 Nat'l #7,460/14,009 High Forest High School D- FL #228/667 Nat'l #6,809/17,239

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

C Composite livability gradescore 68/100

Livability — Silver Springs Shores

• Score: 68/100
• State rank: #527
• US rank: #9854

Category grades

Amenities F Commute F Cost of living A+ Crime C- Employment D Housing A+ Health & safety A- User ratings A-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Silver Springs Shores, FL
• County: Marion County · 365,905 people
• City population: 34,665
• Metro: Ocala, FL
• Population (ZIP): 35,851
• Household income: $64,208
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 14% of renters

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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%

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Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.65)
• Race & ethnicity: White 50% Hispanic / Latino 25% Black 21% Two or more races 18% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 14% Cuban 3%
• Common ancestry: Romanian 2% Iranian 1% Lithuanian 1%
• Foreign-born: 11% · Canada, Jamaica, China
• Languages at home: 78% English-only · Spanish 19% Other Indo-European 1%

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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: ▲ 5.93%
• Current HPI: 255.0714
• Rent YoY: ▲ 0.17%
• Metro: Ocala, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

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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

Property features AI

Finance

• Other: Property type: Residential, single familyZoning: R1Lot approx. 0.24 acre (0 to less than 1/4 acre)Number of wells: 1Number of septics: 1Living area (builder): 1,315Building area total (builder): 1,788Universal property ID US-12083-N-9017028528-R-N
• Financial info: Home warranty provided
• HOA & community: No association reported

Exterior

• Parking: Attached 2-car garage (19x20)
• Utilities: Well waterAerobic septic systemPublic utilities available
• Home design: Single family residenceOne-storyUnder construction (projected completion: 2026-06-06)Faces northeast
• Construction: Block and stucco constructionShingle roofSlab foundationNew constructionBuilder: Belac Homes, LLCModel: The PalmBuilder license CBC1251305Permit number 2025082713Built/Projected completion in 2026
• Exterior features: Other exterior featuresPaved road access

Interior

• Kitchen: DishwasherMicrowaveRangeStone countertops
• Bedrooms: 3 bedrooms
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heatingCentral air conditioning
• Interior features: Ceiling fansHigh ceilingsOpen floor planSplit bedroom layoutStone countersThermostatVaulted ceilingsWalk-in closets
• Laundry & utility: Indoor laundry room

Price history

1 event — show timeline

• 2026-04-09 Listed $244,900 Stellar MLS as Distributed by MLS Grid