4500 SE 18th Ave · Ocala, FL 34480

$5,000

3 bd · 2.0 ba · 1,712 sqft · SingleFamily public records · 11 Days on market

Built 1934

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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 +15.0/30.0
• ARV discount +7.5/15.0
• 1% rule +5.0/10.0
• DSCR +5.0/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +3.2/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

This 3/2 older house is solid and charming with real hardwood floors, high ceilings (10 & 12 feet in the Living room), Spacious rooms, and a half-acre Corner Lot very close & convenient to the center of Ocala. New roof 2005, and has fans, Cable, & Internet in every room. Large modern eat-in Kitchen, with Walk-In Pantry, & Formal Dining Room too. Big deck off Living room. There is a very large Enclosed Porch, with windows, not counted in the Living area. Seller providing a 1 Yr Home Warranty for the Buyer.

Key facts

• Listed 10 days

Property features AI

Exterior

• Home design: Residential property; 1 story
• Construction: Built as a residential structure
• Exterior features: Approximately 0.52-acre lot; Zoned R1

Interior

• Bathrooms: 2 full bathrooms
• Interior features: Single-story layout

🏷️ Possibly a rental listed for sale. The $5,000 price doesn't fit this home's estimated sale value (~$357,808) and the remarks read like a rental — treat the cards below with caution.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $5k.

Deal economics

• At list price, monthly cash flow is $1k ($18k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $5k).
• Cap rate 358.2% 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 (+2.8%/yr); 344 active listings in the ZIP; 4 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); solid renter incomes; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $35 of loan paydown is wiped out by about $150 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 + 2.8% rent growth), your $1k cash investment doubles in ~1 year — after that, you're playing with house money.

Negotiation context

• Only 11 days on market — expect competitive offers; lowballing is unlikely to land.
• 2 sale attempts since 13y ago 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.

Risks & watch-outs

• Watch-outs: built in 1934 — expect roof / HVAC / electrical / plumbing capex.
• 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 $5,000

Questions for the listing agent

1. Built in 1934 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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?
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: 37.99% ✓
• Cap rate: 358.16%
• Cash-on-cash: 1256.66%
• DSCR: 56.91
• GRM: 0.2

CMA / ARV

• ARV (on-the-fly): $357,808
• Comps found: 1

Show comp detail 1 sale within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
3974 SE 24th Ct	0.70mi	3/2.0	1,818 (+6%)	10mo	$380,000	$209	49

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 · 2.84% rent growth · sell at horizon

5-year hold

• IRR: —
• Equity multiple: 66.92×
• Total profit: $92,290
• Equity at exit: $746

10-year hold

• IRR: —
• Equity multiple: 143.48×
• Total profit: $199,469
• Equity at exit: $432

Cash invested: $1,400 (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 34480

• Home prices YoY: -28.7%
• Rents YoY: 2.8%
• Active inventory: 344
• Price-to-rent: 0.2×

Monthly cashflow live

• Estimated rent: $1,900 medium
• Mortgage (P&I): −$26
• Tax est. 1.5%: −$6 /mo · $75/yr
• Insurance: −$2
• HOA: −$0
• Vacancy / Maint / Mgmt: −$399
• Net cashflow: $1,466

Break-even live

Break-even rent $44

Max offer price $5,000

Occupancy floor 18%

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: $1,250
• Closing costs: $150
• Reserves months: —
• Total cash needed: —

Rent comps 4 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2700 SE 35th St Ocala, FL	3.0	2.0	1977	$2,500	$1.26	21d	1	1.09mi
4760 SE 30th Ct Ocala, FL	3.0	2.0	1520	$1,500	$0.99	21d	1	1.12mi
3001 SE Lake Weir Ave Ocala, FL	1.0–3.0	1.0–2.0	812	$1,894	$2.33	13d	16	1.19mi
4861 SE 31st Ter Ocala, FL	3.0	2.0	1482	$1,700	$1.15	21d	1	1.28mi

Listing history 14 events

1. 2026-06-08
   days on market $5,000 Active 11 DOM
2. 2026-06-07
   days on market $5,000 Active 10 DOM
3. 2026-06-03
   days on market $5,000 Active 6 DOM
4. 2026-06-02
   days on market $5,000 Active 5 DOM
5. 2026-06-01
   days on market $5,000 Active 4 DOM
6. 2026-05-31
   days on market $5,000 Active 3 DOM
7. 2026-05-30
   days on market $5,000 Active 2 DOM
8. 2026-05-28
   listed $5,000 Active
9. 2019-10-14
   soldstatus $100,000
10. 2013-09-18
    soldstatus $45,000
11. 2013-09-16
    soldstatus $45,000 532-char remark

    Show marketing remark (532 chars)

    This 3/2 older house is solid and charming with real hardwood floors, high ceilings (10 & 12 feet in the Living room), Spacious rooms, and a half-acre Corner Lot very close & convenient to the center of Ocala. New roof 2005, and has fans, Cable, & Internet in every room. Large modern eat-in Kitchen, with Walk-In Pantry, & Formal Dining Room too. Big deck off Living room. There is a very large Enclosed Porch, with windows, not counted in the Living area. Seller providing a 1 Yr Home Warranty for the Buyer.

12. 2013-08-10
    listed $59,900 532-char remark

    Show marketing remark (532 chars)

    This 3/2 older house is solid and charming with real hardwood floors, high ceilings (10 & 12 feet in the Living room), Spacious rooms, and a half-acre Corner Lot very close & convenient to the center of Ocala. New roof 2005, and has fans, Cable, & Internet in every room. Large modern eat-in Kitchen, with Walk-In Pantry, & Formal Dining Room too. Big deck off Living room. There is a very large Enclosed Porch, with windows, not counted in the Living area. Seller providing a 1 Yr Home Warranty for the Buyer.

13. 2000-08-02
    soldstatus $58,900
14. 1999-08-18
    soldstatus $25,000

ⓘ 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) · 20% chance over 30 yrs
• 🔥 Wildfire 3/10 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 3/10 Moderate 3 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,795
• − Mortgage interest: −$280
• − Property taxes: −$75
• − Insurance: −$25
• − Repairs & maintenance: −$1,824
• − Management: −$1,824
• − Depreciation: −$145
• Taxable income: $18,622
• Est. tax owed @ 24.0%: −$4,469
• After-tax cash flow: $13,124/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 — 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): 23,517
• Household income: $77,557
• Rent vs Own: 23.3% rent · 76.7% own
• Severe rent burden: 169.0

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 (73%)
• Race & ethnicity: White 73% Hispanic / Latino 15% Two or more races 11% Black 6% Asian 2%
• Hispanic origin (detail): Mexican 3% Puerto Rican 5% Cuban 2% Dominican 2%
• Common ancestry: Italian 3% Slovak 3% Lithuanian 2%
• Foreign-born: 6% · Canada
• Languages at home: 89% English-only · Spanish 9% Other Asian/Pacific 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: ▼ -85.60%
• Current HPI: 212.4262
• Rent YoY: ▲ 2.84%
• 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

-80.0% since first listed

7 events — show timeline

• 2026-05-28 Listed $5,000 NFMLS
• 2019-10-14 Sold (Public Records) $100,000 Public Records
• 2013-09-18 Sold (Public Records) $45,000 Public Records
• 2013-09-16 Sold (MLS) $45,000 Stellar MLS as Distributed by MLS Grid
• 2013-08-10 Listed $59,900 Stellar MLS as Distributed by MLS Grid
• 2000-08-02 Sold (Public Records) $58,900 Public Records
• 1999-08-18 Sold (Public Records) $25,000 Public Records

Property tax history

+2.4%/yr

Latest (2025): $1,263 · +22.7% YoY. Source: county tax records.