11255 SE 175th Ln · The Villages, FL 34491

$239,900

2 bd · 2.0 ba · 1,408 sqft · SingleFamily public records · 128 Days on market

Built 1992 7,888 sqft lot $170/sqft · 19% below area Est $296k · 19% under $153/mo HOA · 8% of rent

---

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).

• ARV discount +15.0/15.0
• Cash flow +8.1/30.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• 1% rule +3.1/10.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.1/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

BACK ON MARKET. TURNKEY HOME ready to just move in - everything stays which makes it a great investment property. New roof in 2023. AC replaced in 2017. Hot water heater replaced in 2021. This home has great curb appeal and walking distance to the main pool and spa Stonecrest is a wonderful 55+ golf community, just 5 minutes from The Villages. Stonecrest has four pools. One is a large indoor pool and spa, beautiful softball field, pickleball, tennis and much more. There is also an exercise room with newer equipment for your use. This is free of charge. There is also a billiard room and many more clubs/activities for your enjoyment. It is a ten-minute golf cart ride to The Villages. DON'T MISS THIS ONE.

Key facts

• Ac replaced
• Four pools
• New roof

Tags

• NEW ROOF
• AC REPLACED
• HOT WATER HEATER REPLACED
• WALKING DISTANCE TO MAIN POOL
• FOUR POOLS
• INDOOR POOL

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $240k.

Deal economics

• At list price, monthly cash flow is $-240 ($-3k/yr) — negative.
• To cash-flow at today's rent, offer at most $198k (17.6% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $193k (19.5% below list).
• Recommended offer: $193k (19.5% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 70/100 on livability (#431 in FL) — a middle-class / working-renter tenant base. Strengths: schools A+, crime A+, housing A; Watch: amenities F, commute F, health & safety 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: 705 active listings in the ZIP; 18 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 35% of the median local income ($67k/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 128 days — a 12% lower offer ($211k) 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 $68k; list at $240k implies a 252% 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→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $193,191 (19.5% 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 128 days. Have you received any prior offers? Is the seller open to a 19% 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. Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
7. 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?
8. 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.
9. 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.
10. 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: 0.81% ✗
• Cap rate: 5.09%
• Cash-on-cash: -4.28%
• DSCR: 0.81
• GRM: 10.3

CMA / ARV

• ARV (median comp): $296,069
• List price: $239,900
• Delta: -18.97%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
17600 SE 117th Cir	0.39mi	2/2.0	1,588 (+13%)	1mo	$268,000	$169	60
11101 SE 174th Loop	0.32mi	3/2.0 (+1)	1,329 (-6%)	23mo	$351,000	$264	52
11444 SE 178th Pl	0.37mi	3/2.0 (+1)	1,559 (+11%)	14mo	$319,000	$205	48
10699 SE 178th St	0.61mi	2/2.0	1,248 (-11%)	10mo	$179,000	$143	44
17504 SE 119th Cir	0.60mi	2/2.0	1,544 (+10%)	14mo	$315,000	$204	44
11820 SE 178th St	0.54mi	3/2.0 (+1)	1,586 (+13%)	11mo	$370,000	$233	39
12079 SE 175th Loop	0.72mi	3/2.0 (+1)	1,475 (+5%)	19mo	$320,000	$217	38
17971 SE 105th Ct	0.74mi	2/2.0	1,296 (-8%)	20mo	$242,000	$187	35
17963 SE 105th Ct	0.75mi	2/2.0	1,206 (-14%)	20mo	$235,000	$195	24

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -23.5%
• Equity multiple: 0.20×
• Total profit: $-54,034
• Equity at exit: $35,770

10-year hold

• IRR: -18.1%
• Equity multiple: 0.01×
• Total profit: $-66,309
• Equity at exit: $20,742

Cash invested: $67,172 (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 34491

• Home prices YoY: -35.0%
• Active inventory: 705
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $1,932 high
• Mortgage (P&I): −$1,258
• Tax from tax record: −$255 /mo · $3,057/yr
• Insurance: −$100
• HOA: −$153
• Vacancy / Maint / Mgmt: −$406
• Net cashflow: $-240

Break-even live

Break-even rent $2,235

Max offer price $197,586

Occupancy floor —

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: $59,975
• Closing costs: $7,197
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
13957 County Road 109D Lady Lake, FL	2.0	2.0	1482	$1,650	$1.11	21d	1	0.54mi
13904 County Road 109D Lady Lake, FL	3.0	2.0	1568	$1,550	$0.99	21d	1	0.59mi
17951 SE 115th Cir Summerfield, FL	3.0	2.0	1829	$2,100	$1.15	13d	1	0.67mi
17408 SE 121st Cir Summerfield, FL	3.0	2.0	1733	$1,850	$1.07	21d	1	0.84mi
13765 NE 136th Loop Lady Lake, FL	1.0–3.0	1.0–2.0	1078	$1,639	$1.52	21d	36	0.85mi
17472 SE 121st Cir Summerfield, FL	3.0	2.0	1330	$1,950	$1.47	13d	1	0.87mi
13740 Lead LN The Villages, FL	1.0–3.0	1.0–2.0	1029	$1,720	$1.67	21d	38	0.89mi
10397 SE 176th St Summerfield, FL	2.0	2.0	1296	$2,150	$1.66	21d	1	0.97mi
1377 Camero Dr Lady Lake, FL	3.0	2.0	1462	$5,500	$3.76	21d	1	1.11mi
1532 W Schwartz Blvd Lady Lake, FL	2.0	2.0	1092	$2,950	$2.70	23d	1	1.26mi
17532 SE 100th Ct Summerfield, FL	2.0	2.0	1217	$1,800	$1.48	21d	1	1.29mi
11001 SE Sunset Harbor Rd Unit H52 Summerfield, FL	2.0	2.5	1224	$1,440	$1.18	21d	1	1.39mi
1401 W Schwartz Blvd Lady Lake, FL	2.0	2.0	1552	$1,999	$1.29	23d	1	1.41mi
11001 SE Sunset Harbor Rd Summerfield, FL	2.0	1.5–2.0	1244	$1,770	$1.42	21d	2	1.41mi
1430 W Schwartz Blvd Lady Lake, FL	2.0	2.0	1377	$2,500	$1.82	23d	1	1.42mi
1614 Kiley Ct Unit 1545709P Lady Lake, FL	2.0	2.0	1593	$3,452	$2.17	16d	1	1.43mi
909 Orchid St Lady Lake, FL	2.0	1.0	936	$1,600	$1.71	23d	1	1.45mi
11001 SE Sunset Harbor Rd Unit A08 Summerfield, FL	2.0	1.5	1200	$2,000	$1.67	21d	1	1.46mi

HOA detail

• Monthly dues: $153 · $1,836/yr
• Likely covers: waterpool

Listing history 21 events

1. 2026-06-18
   days on market $239,900 Active 128 DOM
2. 2026-06-17
   days on market $239,900 Active 127 DOM
3. 2026-06-16
   days on market $239,900 Active 126 DOM
4. 2026-06-15
   days on market $239,900 Active 125 DOM
5. 2026-06-14
   days on market $239,900 Active 123 DOM
6. 2026-06-13
   pricedays on market $239,900 Active 122 DOM
7. 2026-06-10
   days on market $244,900 Active 120 DOM
8. 2026-06-09
   days on market $244,900 Active 119 DOM
9. 2026-06-08
   days on market $244,900 Active 118 DOM
10. 2026-06-07
    days on market $244,900 Active 117 DOM
11. 2026-06-03
    days on market $244,900 Active 113 DOM
12. 2026-06-02
    days on market $244,900 Active 112 DOM
13. 2026-06-01
    days on market $244,900 Active 111 DOM
14. 2026-05-31
    days on market $244,900 Active 110 DOM
15. 2026-05-30
    days on market $244,900 Active 109 DOM
16. 2026-05-02
    status Active 713-char remark

    Show marketing remark (713 chars)

    BACK ON MARKET. TURNKEY HOME ready to just move in - everything stays which makes it a great investment property. New roof in 2023. AC replaced in 2017. Hot water heater replaced in 2021. This home has great curb appeal and walking distance to the main pool and spa Stonecrest is a wonderful 55+ golf community, just 5 minutes from The Villages. Stonecrest has four pools. One is a large indoor pool and spa, beautiful softball field, pickleball, tennis and much more. There is also an exercise room with newer equipment for your use. This is free of charge. There is also a billiard room and many more clubs/activities for your enjoyment. It is a ten-minute golf cart ride to The Villages. DON'T MISS THIS ONE.

17. 2026-04-26
    status Pending 713-char remark

    Show marketing remark (713 chars)

    BACK ON MARKET. TURNKEY HOME ready to just move in - everything stays which makes it a great investment property. New roof in 2023. AC replaced in 2017. Hot water heater replaced in 2021. This home has great curb appeal and walking distance to the main pool and spa Stonecrest is a wonderful 55+ golf community, just 5 minutes from The Villages. Stonecrest has four pools. One is a large indoor pool and spa, beautiful softball field, pickleball, tennis and much more. There is also an exercise room with newer equipment for your use. This is free of charge. There is also a billiard room and many more clubs/activities for your enjoyment. It is a ten-minute golf cart ride to The Villages. DON'T MISS THIS ONE.

18. 2026-03-11
    price $244,900 713-char remark

    Show marketing remark (713 chars)

    BACK ON MARKET. TURNKEY HOME ready to just move in - everything stays which makes it a great investment property. New roof in 2023. AC replaced in 2017. Hot water heater replaced in 2021. This home has great curb appeal and walking distance to the main pool and spa Stonecrest is a wonderful 55+ golf community, just 5 minutes from The Villages. Stonecrest has four pools. One is a large indoor pool and spa, beautiful softball field, pickleball, tennis and much more. There is also an exercise room with newer equipment for your use. This is free of charge. There is also a billiard room and many more clubs/activities for your enjoyment. It is a ten-minute golf cart ride to The Villages. DON'T MISS THIS ONE.

19. 2026-02-05
    listed $249,900 Active 713-char remark

    Show marketing remark (713 chars)

    BACK ON MARKET. TURNKEY HOME ready to just move in - everything stays which makes it a great investment property. New roof in 2023. AC replaced in 2017. Hot water heater replaced in 2021. This home has great curb appeal and walking distance to the main pool and spa Stonecrest is a wonderful 55+ golf community, just 5 minutes from The Villages. Stonecrest has four pools. One is a large indoor pool and spa, beautiful softball field, pickleball, tennis and much more. There is also an exercise room with newer equipment for your use. This is free of charge. There is also a billiard room and many more clubs/activities for your enjoyment. It is a ten-minute golf cart ride to The Villages. DON'T MISS THIS ONE.

20. 1992-08-01
    soldstatus $68,200
21. 1992-07-01
    soldstatus $15,000

ⓘ 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: $3,057 · $255/mo
• Projected year-2 tax: $3,057 · $255/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 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥109°F today · 19 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $23,183
• − Mortgage interest: −$13,438
• − Property taxes: −$3,057
• − Insurance: −$1,200
• − Repairs & maintenance: −$1,855
• − Management: −$1,855
• − HOA: −$1,836
• − Depreciation: −$6,979
• Taxable loss: −$7,036
• Est. tax savings @ 24.0%: +$1,689
• After-tax cash flow: $-1,186/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 — The Villages

• Score: 70/100
• State rank: #431
• US rank: #7363

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 83,973
• Metro: Ocala, FL
• Population (ZIP): 33,318
• Household income: $66,679
• Rent vs Own: 13.2% rent · 86.8% own
• Severe rent burden: 256.0

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: Predominantly White (77%)
• Race & ethnicity: White 77% Hispanic / Latino 14% Two or more races 9% Black 4% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 6% Cuban 1%
• Common ancestry: Lithuanian 3% Slovak 2% Romanian 2%
• Foreign-born: 8% · Canada, Vietnam, Jamaica
• Languages at home: 85% English-only · Spanish 11% Vietnamese 1% French/Haitian/Cajun 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: ▼ -107.67%
• Current HPI: 200.0792
• Rent YoY: —
• 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

+1532.7% since first listed

6 events — show timeline

• 2026-05-02 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-04-26 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-03-11 Price Changed $244,900 Stellar MLS as Distributed by MLS Grid
• 2026-02-05 Listed $249,900 Stellar MLS as Distributed by MLS Grid
• 1992-08-01 Sold (Public Records) $68,200 Public Records
• 1992-07-01 Sold (Public Records) $15,000 Public Records

Property tax history

+10.7%/yr

Latest (2025): $3,057 · +0.9% YoY. Source: county tax records.