14321 SW 79th Ter · Marion Oaks, FL 34473

$237,999

3 bd · 2.0 ba · 1,332 sqft · SingleFamily public records · 156 Days on market

Built 2022 10,019 sqft lot $179/sqft · at area comps Est $243k · at est.

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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 +13.1/30.0
• ARV discount +8.5/15.0
• DSCR +3.9/10.0
• 1% rule +3.6/10.0
• Schools +3.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

HONEY STOP THE CAR. Welcome to this beautiful 3 beds, 2 baths and 2 car garage. This home is equipped with energy efficiency windows, a beauty kitchen with accent cabinets and beautiful counter tops. This home has a spacious master with walk in closets. Appliances include range with hood, refrigerator and dish washer. This home boast a large back yard excellent for outdoor activities. Located just minute away from schools, dinning, shopping and highway. Schedule a showing today

Key facts

• Walk in closets
• Large back yard
• Granite counter tops

Tags

• ENERGY EFFICIENCY WINDOWS
• GRANITE COUNTER TOPS
• WALK IN CLOSETS
• LARGE BACK YARD
• MINUTE AWAY FROM SCHOOLS

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 $-8 ($-98/yr) — negative.
• To cash-flow at today's rent, offer at most $237k (0.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $204k (14.3% below list).
• Recommended offer: $204k (14.3% below list) — sets the bar for 1% rule.
• Cap rate 6.3% vs local median 4.8% in Marion Oaks — 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: 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.
• Zoned schools: Sunrise Elementary School (math 43% / reading 34%, grade F, #1,575 of 2,144 statewide, top 74%, 1,017 students, 73% FRL); Horizon Academy At Marion Oaks (math 37% / reading 36%, grade F, #405 of 571 statewide, top 72%, 1,067 students, 68% FRL); Dunnellon High School (math 30% / reading 32%, grade F, #429 of 667 statewide, top 65%, 1,350 students, 63% FRL).
• Market conditions: Rents soft (-0.7%/yr); 1376 active listings in the ZIP; 18 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 34% of the median local income ($72k/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 156 days — a 12% lower offer ($209k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 4y ago; this cycle's ask has dropped $16k (6%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

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

Recommended offer $203,976 (14.3% 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 156 days. Have you received any prior offers? Is the seller open to a 14% 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. 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: 0.86% ✗
• Cap rate: 6.25%
• Cash-on-cash: -0.15%
• DSCR: 0.99
• GRM: 9.7

CMA / ARV

• ARV (median comp): $243,469
• List price: $237,999
• Delta: -2.25%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14495 SW 79th Avenue Rd	0.24mi	3/2.0	1,411 (+6%)	1mo	$240,000	$170	78
14133 SW 78th Ter	0.20mi	3/2.0	1,331 (-0%)	18mo	$239,900	$180	75
13587 SW 79th Terrace Rd	0.27mi	3/2.0	1,331 (-0%)	19mo	$239,900	$180	72
14060 SW 79th Ter	0.26mi	3/2.0	1,445 (+8%)	12mo	$287,500	$199	63
14427 SW 76th Avenue Rd	0.38mi	3/2.0	1,173 (-12%)	6mo	$230,000	$196	58
8157 SW 135 Loop	0.67mi	3/2.0	1,439 (+8%)	23mo	$295,000	$205	36

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: -19.9%
• Equity multiple: 0.32×
• Total profit: $-45,047
• Equity at exit: $35,486

10-year hold

• IRR: -20.9%
• Equity multiple: 0.06×
• Total profit: $-62,933
• Equity at exit: $20,578

Cash invested: $66,640 (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 34473

• Home prices YoY: -16.8%
• Rents YoY: -0.7%
• Active inventory: 1376
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $2,040 high
• Mortgage (P&I): −$1,248
• Tax from tax record: −$272 /mo · $3,268/yr
• Insurance: −$99
• HOA: −$0
• Vacancy / Maint / Mgmt: −$428
• Net cashflow: $-8

Break-even live

Break-even rent $2,050

Max offer price $236,561

Occupancy floor 95%

Sensitivity live

Price	-10% $127	-5% $59	+0% $-8	+5% $-76	+10% $-143
Rent	-10% $-169	-5% $-89	+0% $-8	+5% $72	+10% $153
Rate	-1.0pp $112	-0.5pp $52	base $-8	+0.5pp $-70	+1.0pp $-133

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: $59,500
• Closing costs: $7,140
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
769 Marion Oaks Pass Ocala, FL	4.0	2.0	1696	$1,950	$1.15	15d	1	0.45mi
7883 SW 138th Street Rd Ocala, FL	4.0	3.0	1865	$2,125	$1.14	23d	1	0.62mi
8398 SW 138th Pl Ocala, FL	3.0	2.0	1660	$1,900	$1.14	23d	1	0.71mi
8427 SW 136th St Ocala, FL	3.0	2.0	1762	$2,095	$1.19	23d	1	0.88mi
8713 SW 138th St Ocala, FL	3.0	2.0	1554	$1,950	$1.25	23d	1	0.94mi
13130 SW 78th Cir Ocala, FL	4.0	2.0	1816	$1,900	$1.05	15d	1	1.01mi
8341 SW 135th Loop Ocala, FL	3.0	2.0	1623	$1,600	$0.99	23d	1	1.02mi
7011 SW 136th Ln Ocala, FL	3.0	2.0	1670	$2,300	$1.38	15d	1	1.16mi
8070 SW 131st Ln Ocala, FL	3.0	2.0	1642	$2,400	$1.46	15d	1	1.16mi
820 Marion Oaks Mnr Ocala, FL	4.0	2.0	1747	$1,995	$1.14	23d	1	1.17mi
13215 SW 77th Ave Ocala, FL	3.0	2.0	1315	$1,800	$1.37	15d	1	1.17mi
7060 SW 131st Loop Ocala, FL	4.0	2.0	1787	$1,899	$1.06	15d	1	1.24mi
7146 SW 134th St Ocala, FL	3.0	2.0	1733	$1,600	$0.92	23d	1	1.26mi
7052 SW 131st Loop Ocala, FL	3.0	2.0	1718	$1,550	$0.90	23d	1	1.28mi
13092 SW 84th Terrace Rd Ocala, FL	4.0	2.0	1800	$1,800	$1.00	23d	1	1.35mi
13033 SW 82nd Avenue Rd Ocala, FL	3.0	2.0	1413	$1,895	$1.34	15d	1	1.38mi
6949 SW 152nd St Ocala, FL	3.0	2.0	1331	$2,000	$1.50	15d	1	1.38mi
14983 SW 65th Avenue Rd Ocala, FL	3.0	2.0	1557	$2,995	$1.92	15d	1	1.45mi

Listing history 23 events

1. 2026-06-22
   days on market $237,999 Active 156 DOM
2. 2026-06-18
   days on market $237,999 Active 153 DOM
3. 2026-06-17
   days on market $237,999 Active 152 DOM
4. 2026-06-16
   days on market $237,999 Active 151 DOM
5. 2026-06-15
   days on market $237,999 Active 150 DOM
6. 2026-06-14
   days on market $237,999 Active 148 DOM
7. 2026-06-13
   days on market $237,999 Active 147 DOM
8. 2026-06-10
   days on market $237,999 Active 145 DOM
9. 2026-06-09
   days on market $237,999 Active 144 DOM
10. 2026-06-08
    days on market $237,999 Active 143 DOM
11. 2026-06-07
    days on market $237,999 Active 142 DOM
12. 2026-06-03
    days on market $237,999 Active 138 DOM
13. 2026-06-02
    days on market $237,999 Active 137 DOM
14. 2026-05-31
    days on market $237,999 Active 135 DOM
15. 2026-05-30
    days on market $237,999 Active 134 DOM
16. 2026-05-04
    price $241,999 482-char remark

    Show marketing remark (482 chars)

    HONEY STOP THE CAR. Welcome to this beautiful 3 beds, 2 baths and 2 car garage. This home is equipped with energy efficiency windows, a beauty kitchen with accent cabinets and beautiful counter tops. This home has a spacious master with walk in closets. Appliances include range with hood, refrigerator and dish washer. This home boast a large back yard excellent for outdoor activities. Located just minute away from schools, dinning, shopping and highway. Schedule a showing today

17. 2026-03-02
    price $243,999 482-char remark

    Show marketing remark (482 chars)

    HONEY STOP THE CAR. Welcome to this beautiful 3 beds, 2 baths and 2 car garage. This home is equipped with energy efficiency windows, a beauty kitchen with accent cabinets and beautiful counter tops. This home has a spacious master with walk in closets. Appliances include range with hood, refrigerator and dish washer. This home boast a large back yard excellent for outdoor activities. Located just minute away from schools, dinning, shopping and highway. Schedule a showing today

18. 2026-01-16
    listed $253,999 Active 482-char remark

    Show marketing remark (482 chars)

    HONEY STOP THE CAR. Welcome to this beautiful 3 beds, 2 baths and 2 car garage. This home is equipped with energy efficiency windows, a beauty kitchen with accent cabinets and beautiful counter tops. This home has a spacious master with walk in closets. Appliances include range with hood, refrigerator and dish washer. This home boast a large back yard excellent for outdoor activities. Located just minute away from schools, dinning, shopping and highway. Schedule a showing today

19. 2022-12-07
    soldstatus $240,000 Closed 281-char remark

    Show marketing remark (281 chars)

    BEAUTIFUL BRAND NEW Custom home. Block with stucco 3 bedroom, 2 bath with attached 2 car garage. Beautiful cabinets accent a gorgeous kitchen. Appliances include Refrigerator, Range with hood and Dishwasher. Walk-in closet in Master. Tile and Carpet floors. High Efficiency windows

20. 2022-10-11
    status Pending 281-char remark

    Show marketing remark (281 chars)

    BEAUTIFUL BRAND NEW Custom home. Block with stucco 3 bedroom, 2 bath with attached 2 car garage. Beautiful cabinets accent a gorgeous kitchen. Appliances include Refrigerator, Range with hood and Dishwasher. Walk-in closet in Master. Tile and Carpet floors. High Efficiency windows

21. 2022-08-31
    price $239,900 281-char remark

    Show marketing remark (281 chars)

    BEAUTIFUL BRAND NEW Custom home. Block with stucco 3 bedroom, 2 bath with attached 2 car garage. Beautiful cabinets accent a gorgeous kitchen. Appliances include Refrigerator, Range with hood and Dishwasher. Walk-in closet in Master. Tile and Carpet floors. High Efficiency windows

22. 2022-08-22
    listed $254,900 Active 281-char remark

    Show marketing remark (281 chars)

    BEAUTIFUL BRAND NEW Custom home. Block with stucco 3 bedroom, 2 bath with attached 2 car garage. Beautiful cabinets accent a gorgeous kitchen. Appliances include Refrigerator, Range with hood and Dishwasher. Walk-in closet in Master. Tile and Carpet floors. High Efficiency windows

23. 1998-05-18
    soldstatus $12,900

ⓘ 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: $3,268 · $272/mo
• Projected year-2 tax: $3,268 · $272/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 6/10 Major
• 🌡 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 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,477
• − Mortgage interest: −$13,332
• − Property taxes: −$3,268
• − Insurance: −$1,190
• − Repairs & maintenance: −$1,958
• − Management: −$1,958
• − Depreciation: −$6,924
• Taxable loss: −$4,152
• Est. tax savings @ 24.0%: +$996
• After-tax cash flow: $899/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 — Marion Oaks

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

Census & demographics

• Census place: Marion Oaks, FL
• County: Marion County · 315,796 people
• City population: 25,030
• Metro: Ocala, FL
• Population (ZIP): 26,813
• Household income: $72,366
• Rent vs Own: 21.5% rent · 78.5% own
• Severe rent burden: 228.0

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 0.69)
• Race & ethnicity: White 34% Black 33% Hispanic / Latino 29% Two or more races 19% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 17% Cuban 3%
• Common ancestry: Hispanic 3% Portuguese 2% Romanian 1%
• Foreign-born: 17% · Canada, Jamaica
• Languages at home: 67% English-only · Spanish 27% French/Haitian/Cajun 4% 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: ▼ -45.25%
• Current HPI: 224.3536
• Rent YoY: ▼ -0.67%
• 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

+1776.0% since first listed

8 events — show timeline

• 2026-05-04 Price Changed $241,999 Stellar MLS as Distributed by MLS Grid
• 2026-03-02 Price Changed $243,999 Stellar MLS as Distributed by MLS Grid
• 2026-01-16 Listed $253,999 Stellar MLS as Distributed by MLS Grid
• 2022-12-07 Sold (MLS) $240,000 Stellar MLS as Distributed by MLS Grid
• 2022-10-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2022-08-31 Price Changed $239,900 Stellar MLS as Distributed by MLS Grid
• 2022-08-22 Listed $254,900 Stellar MLS as Distributed by MLS Grid
• 1998-05-18 Sold (Public Records) $12,900 Public Records

Property tax history

+31.8%/yr

Latest (2025): $3,268 · +3.5% YoY. Source: county tax records.