3227 NW 52nd Avenue Rd · Ocala, FL 34482

$249,990

2 bd · 2.5 ba · 1,722 sqft · SingleFamily public records · 223 Days on market

Built 2025 Good condition $145/sqft · 6% above area Est $234k · 7% over ↓ 8% since listing

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Why this score? — see what drove the C- 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 +21.9/30.0
• DSCR +7.0/10.0
• Rent growth +5.0/5.0
• 1% rule +4.5/10.0
• ARV discount +4.4/15.0
• Condition / age +4.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

55+ Home , Home Includes over $52,000 in Upgrades, Upgraded Stone on Front Exterior, Stainless Steel Appliance Package, Whirlpool Refrigerator , Laundry Package, Cabinet Package with 36" Uppers , 2" Crown on Cabinets with Soft-Close Drawers, Stunning Silestone Countertops with Tile Backsplash , Upgraded Kitchen Sink & Faucet, Silestone Countertops at Baths, Upgraded Door Trim & Plumbing Package, Upgraded Interior Door Package, French Doors at Den, Ceiling Fans, Additional LED Lighting , Upgraded Flooring Throughout, Tile Surround at Primary Shower , Window Blinds Throughout

Key facts

• Laundry package
• Faucet
• 2 garage spots

Tags

• WHIRLPOOL REFRIGERATOR
• LAUNDRY PACKAGE
• CABINET PACKAGE WITH 36 UPPERS
• UPGRADED KITCHEN SINK
• FAUCET
• SILESTONE COUNTERTOPS AT BATHS

What this means for you Summary

Snapshot

• This is a 2-bed/2.5-bath single-family listed at $250k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $392 ($5k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $237k (5.2% below list).
• Recommended offer: $220k (12.0% below list) — sets the bar for market timing.
• Cap rate 8.2% 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 rising fast (+11.1%/yr); 663 active listings in the ZIP; 36 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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 43% 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 $8k 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 + 8.0% rent growth), your $70k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

• It's been on market 223 days — a 12% lower offer ($220k) is reasonable based on typical stale-listing flexibility.

Recommended offer $219,991 (12.0% below list)

Questions for the listing agent

1. It's been on market 223 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
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. 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.
6. 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.
7. 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: 0.95% ✗
• Cap rate: 8.17%
• Cash-on-cash: 6.71%
• DSCR: 1.30
• GRM: 8.8

CMA / ARV

• ARV (median comp): $233,885
• List price: $249,990
• Delta: 6.89%
• Verdict: FAIR
• Comps: 1 within 2.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3901 NW 49th Ct	0.49mi	2/2.0	1,666 (-3%)	20mo	$315,000	$189	54
4802 NW 39th Street Rd	0.61mi	2/2.0	1,565 (-9%)	1mo	$256,150	$164	54
4811 NW 39th Pl	0.60mi	3/2.0 (+1)	1,844 (+7%)	2mo	$317,665	$172	51
5160 NW 25th Loop	0.57mi	2/2.0	1,569 (-9%)	8mo	$237,500	$151	50
4998 NW 30th Pl	0.34mi	3/2.0 (+1)	1,476 (-14%)	9mo	$259,000	$175	46
5654 NW 37th Lane Rd	0.57mi	2/2.0	1,956 (+14%)	4mo	$440,000	$225	45
4487 NW 53rd Ave	0.55mi	3/2.5 (+1)	1,894 (+10%)	13mo	$467,990	$247	42
5405 NW 25th Loop	0.55mi	2/2.0	1,590 (-8%)	22mo	$275,000	$173	42
5520 NW 26th Ln	0.56mi	3/2.0 (+1)	1,526 (-11%)	8mo	$215,000	$141	41
2570 NW 55th Avenue Rd	0.68mi	2/2.0	1,914 (+11%)	10mo	$297,500	$155	40
4936 NW 39th Loop	0.54mi	3/2.0 (+1)	1,844 (+7%)	22mo	$322,205	$175	38
2439 NW 55th Avenue Rd	0.73mi	3/2.0 (+1)	1,514 (-12%)	17mo	$240,000	$159	25

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: -1.1%
• Equity multiple: 0.95×
• Total profit: $-3,157
• Equity at exit: $37,274

10-year hold

• IRR: 12.8%
• Equity multiple: 2.23×
• Total profit: $85,910
• Equity at exit: $21,615

Cash invested: $69,997 (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: 663
• Price-to-rent: 8.8×

Monthly cashflow live

• Estimated rent: $2,370 high
• Mortgage (P&I): −$1,311
• Tax from tax record: −$66 /mo · $790/yr
• Insurance: −$104
• HOA: −$0
• Vacancy / Maint / Mgmt: −$498
• Net cashflow: $392

Break-even live

Break-even rent $1,875

Max offer price $249,990

Occupancy floor 78%

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: $62,498
• Closing costs: $7,500
• Reserves months: —
• Total cash needed: —

Rent comps 36 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5333 NW 33rd Pl Ocala, FL	2.0	2.0	1368	$2,300	$1.68	14d	1	0.06mi
3335 NW 52nd Avenue Rd Ocala, FL	2.0	2.5	1318	$2,500	$1.90	21d	1	0.06mi
5361 NW 33rd Pl Ocala, FL	2.0	2.0	1318	$2,500	$1.90	21d	1	0.07mi
5191 NW 34th St Ocala, FL	2.0	2.0	1318	$2,400	$1.82	21d	1	0.09mi
3384 NW 54th Ct Ocala, FL	2.0	2.5	1722	$2,300	$1.34	21d	1	0.16mi
5471 NW 34th St Ocala, FL	2.0	2.0	1318	$2,900	$2.20	21d	1	0.17mi
5048 NW 35th St Ocala, FL	3.0	2.0	1552	$1,900	$1.22	14d	1	0.20mi
5423 NW 35th Lane Rd Ocala, FL	2.0	2.0	1656	$3,200	$1.93	21d	1	0.21mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$1,785	$1.53	21d	1	0.24mi
4859 NW 35th Lane Rd Ocala, FL	2.0	2.0	1666	$2,495	$1.50	21d	1	0.50mi
4122 NW 48th Terrace Rd Ocala, FL	2.0	2.0	1816	$1,999	$1.10	14d	1	0.59mi
5530 NW 40th Loop Ocala, FL	3.0	2.0	1622	$2,000	$1.23	21d	1	0.64mi
4743 NW 39th Street Rd Ocala, FL	3.0	2.0	1565	$2,500	$1.60	21d	1	0.66mi
4342 NW 55th Ct Ocala, FL	3.0	2.5	2172	$2,600	$1.20	14d	1	0.75mi
4110 NW 44th Cir Ocala, FL	3.0	2.0	1610	$2,400	$1.49	14d	1	0.76mi
4111 NW 44th Cir Ocala, FL	3.0	2.0	1505	$2,300	$1.53	14d	1	0.78mi
4395 NW 55th Ter Ocala, FL	3.0	2.0	1853	$2,700	$1.46	21d	1	0.80mi
4078 NW 44th Cir Ocala, FL	3.0	2.0	1504	$2,500	$1.66	21d	1	0.81mi
5521 NW 45th Ln Ocala, FL	3.0	2.0	1862	$2,600	$1.40	14d	1	0.94mi
5254 NW 43rd Lane Rd Ocala, FL	3.0	2.0	1728	$3,500	$2.03	21d	1	0.96mi
5347 NW 46th Lane Rd Ocala, FL	3.0	2.0	1552	$2,550	$1.64	21d	1	0.97mi
5416 NW 46th Lane Rd Ocala, FL	3.0	2.0	1590	$2,300	$1.45	14d	1	1.00mi
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	1.02mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	1.03mi
2028 NW 50th Ave Ocala, FL	2.0	2.0	1066	$1,595	$1.50	21d	1	1.03mi
5358 NW 48th Pl Ocala, FL	3.0	2.0	1565	$2,500	$1.60	21d	1	1.05mi
1918 NW 50th Cir Ocala, FL	2.0	2.0	1061	$2,200	$2.07	21d	1	1.05mi
5375 NW 48th Pl Ocala, FL	2.0	2.0	1565	$2,350	$1.50	21d	1	1.07mi
5389 NW 48th Pl Ocala, FL	2.0	2.0	1552	$2,300	$1.48	21d	1	1.07mi
5237 NW 48th Pl Ocala, FL	3.0	2.0	1552	$4,500	$2.90	21d	1	1.08mi
5293 NW 48th Pl Ocala, FL	2.0	2.0	1552	$2,450	$1.58	21d	1	1.08mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	21d	1	1.17mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	14d	1	1.17mi
4530 NW 14th Loop Ocala, FL	3.0	2.5	1966	$2,250	$1.14	14d	1	1.39mi
5391 NW 55th Ct Ocala, FL	3.0	2.0	1332	$1,650	$1.24	21d	1	1.48mi
1527 NW 57th Ct Unit 1 Ocala, FL	3.0	2.0	1460	$1,550	$1.06	21d	1	1.49mi

Listing history 17 events

1. 2026-06-18
   days on market $249,990 Active 223 DOM
2. 2026-06-17
   days on market $249,990 Active 222 DOM
3. 2026-06-16
   days on market $249,990 Active 221 DOM
4. 2026-06-15
   days on market $249,990 Active 220 DOM
5. 2026-06-14
   days on market $249,990 Active 218 DOM
6. 2026-06-13
   days on market $249,990 Active 217 DOM
7. 2026-06-10
   days on market $249,990 Active 215 DOM
8. 2026-06-09
   days on market $249,990 Active 214 DOM
9. 2026-06-08
   days on market $249,990 Active 213 DOM
10. 2026-06-07
    days on market $249,990 Active 212 DOM
11. 2026-06-03
    days on market $249,990 Active 208 DOM
12. 2026-06-02
    days on market $249,990 Active 207 DOM
13. 2026-05-31
    days on market $249,990 Active 205 DOM
14. 2026-05-30
    days on market $249,990 Active 204 DOM
15. 2026-05-01
    price $249,990 602-char remark

    Show marketing remark (602 chars)

    55+ Home , Home Includes over $52,000 in Upgrades, Upgraded Stone on Front Exterior, Stainless Steel Appliance Package, Whirlpool Refrigerator , Laundry Package, Cabinet Package with 36" Uppers , 2" Crown on Cabinets with Soft-Close Drawers, Stunning Silestone Countertops with Tile Backsplash , Upgraded Kitchen Sink & Faucet, Silestone Countertops at Baths, Upgraded Door Trim & Plumbing Package, Upgraded Interior Door Package, French Doors at Den, Ceiling Fans, Additional LED Lighting , Upgraded Flooring Throughout, Tile Surround at Primary Shower , Window Blinds Throughout

16. 2026-04-01
    price $262,120 602-char remark

    Show marketing remark (602 chars)

    55+ Home , Home Includes over $52,000 in Upgrades, Upgraded Stone on Front Exterior, Stainless Steel Appliance Package, Whirlpool Refrigerator , Laundry Package, Cabinet Package with 36" Uppers , 2" Crown on Cabinets with Soft-Close Drawers, Stunning Silestone Countertops with Tile Backsplash , Upgraded Kitchen Sink & Faucet, Silestone Countertops at Baths, Upgraded Door Trim & Plumbing Package, Upgraded Interior Door Package, French Doors at Den, Ceiling Fans, Additional LED Lighting , Upgraded Flooring Throughout, Tile Surround at Primary Shower , Window Blinds Throughout

17. 2025-11-07
    listed $272,120 Active 602-char remark

    Show marketing remark (602 chars)

    55+ Home , Home Includes over $52,000 in Upgrades, Upgraded Stone on Front Exterior, Stainless Steel Appliance Package, Whirlpool Refrigerator , Laundry Package, Cabinet Package with 36" Uppers , 2" Crown on Cabinets with Soft-Close Drawers, Stunning Silestone Countertops with Tile Backsplash , Upgraded Kitchen Sink & Faucet, Silestone Countertops at Baths, Upgraded Door Trim & Plumbing Package, Upgraded Interior Door Package, French Doors at Den, Ceiling Fans, Additional LED Lighting , Upgraded Flooring Throughout, Tile Surround at Primary Shower , Window Blinds Throughout

ⓘ 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: $790 · $66/mo
• Projected year-2 tax: $2,075 · $173/mo
• Expected delta: +$1,285/yr (+$107/mo · 162.6%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $28,444
• − Mortgage interest: −$14,003
• − Property taxes: −$790
• − Insurance: −$1,250
• − Repairs & maintenance: −$2,276
• − Management: −$2,276
• − Depreciation: −$7,272
• Taxable income: $577
• Est. tax owed @ 24.0%: −$139
• After-tax cash flow: $4,561/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 · 12 photos

Good 80/100 Cosmetic rehab

This home is in excellent condition with recent upgrades, making it move-in ready and highly attractive for both resale and rental markets.

Value-add opportunities

• Both Paint exterior trim — Enhances curb appeal and value
• Both Replace carpet with hardwood or tile — Improves aesthetics and is easier to maintain
• Both Install smart home features — Attracts tech-savvy buyers and renters

Renovation cost estimate screening

Value-add ROI direction

• Both Paint exterior trim — Enhances curb appeal and value ↑
• Both Replace carpet with hardwood or tile — Improves aesthetics and is easier to maintain ↑
• Both Install smart home features — Attracts tech-savvy buyers and renters ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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

-8.1% since first listed

3 events — show timeline

• 2026-05-01 Price Changed $249,990 Zillow
• 2026-04-01 Price Changed $262,120 Zillow
• 2025-11-07 Listed $272,120 Zillow

Property tax history

+51.9%/yr

Latest (2025): $790 · +51.9% YoY. Source: county tax records.