10339 SE 179th St · The Villages, FL 34491

$194,000

2 bd · 2.0 ba · 1,008 sqft · SingleFamily public records · 231 Days on market

Built 1991 0.25 ac lot $192/sqft · 12% below area Est $220k · 12% under $175/mo HOA · 9% of rent

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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 +16.3/30.0
• ARV discount +12.8/15.0
• 1% rule +5.5/10.0
• DSCR +5.0/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Your Next Adventure Awaits in Spruce Creek South! Welcome home to Spruce Creek South, a vibrant, securely gated 55+ community in sunny Summerfield, FL. This well-maintained 2-bedroom, 2-bath residence sits on a desirable oversized 1/4-acre lot and offers the space, privacy, and updates that make everyday living easy and enjoyable. The backyard is fully fenced, creating a private outdoor retreat with room to relax, garden, or let pets roam safely. Inside, you’ll find a bright and open living room that flows seamlessly into the dedicated dining area just off the kitchen, creating a comfortable layout for entertaining or enjoying quiet evenings at home. The primary suite features a walk-in closet and private bath, while the secondary bedroom and full guest bath provide ideal space for visitors. One of the standout features of this home is the added living space with a beautiful sunroom and a relaxing covered lanai—perfect for morning coffee, afternoon reading, or evening cocktails. Practical upgrades add even more value, including a 4-year-old roof and newer AC for peace of mind. The extended driveway offers extra parking, and the oversized main garage plus a separate golf cart garage provide exceptional storage and flexibility. A cozy front porch adds even more charm and space to unwind. This is more than just a home—it’s a lifestyle. Spruce Creek South is known for its 24/7 manned gate and legal golf cart access across US-441 to restaurants, shopping, medical offices, and daily conveniences. You’re also just minutes from The Villages, offering even more dining, entertainment, and recreation options. Residents enjoy outstanding amenities including a resort-style pool and spa, an 18-hole golf course with pro shop and on-site restaurant, a massive clubhouse with fitness center, saunas, full kitchen, and entertainment stage, along with RV and boat storage, softball field, game rooms, and a wide variety of clubs and social events. Everything you need is here. All that’s missing is you.

Key facts

• Golf cart garage
• Front porch
• Sunroom

Tags

• SUNROOM
• COVERED LANAI
• EXTENDED DRIVEWAY
• GOLF CART GARAGE
• FRONT PORCH
• RESORT-STYLE POOL

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $194k.

Deal economics

• At list price, monthly cash flow is $105 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $194k).
• Recommended offer: $171k (12.0% below list) — sets the bar for market timing.
• Cap rate 6.9% vs local median 5.0% in The Villages — 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 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: 712 active listings in the ZIP; 13 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 37% 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 $1k of loan paydown is wiped out by about $6k 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 231 days — a 12% lower offer ($171k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts since 3y ago; this cycle's ask has dropped $15k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: major flood risk; 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 $170,720 (12.0% below list)

Questions for the listing agent

1. It's been on market 231 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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 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?
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: 1.05% ✓
• Cap rate: 6.94%
• Cash-on-cash: 2.32%
• DSCR: 1.10
• GRM: 8.0

CMA / ARV

• ARV (median comp): $220,109
• List price: $194,000
• Delta: -11.86%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
10235 SE 179th Pl	0.11mi	2/2.0	1,144 (+14%)	2mo	$180,599	$158	71
1647 Campos Dr	0.65mi	2/2.0	1,121 (+11%)	1mo	$250,000	$223	50
1649 Campos Dr	0.65mi	2/2.0	1,121 (+11%)	3mo	$223,000	$199	48
2603 Olivarez Way	0.69mi	2/2.0	1,121 (+11%)	2mo	$252,000	$225	48
1612 Campos Dr	0.72mi	2/2.0	1,121 (+11%)	0mo	$230,000	$205	47
1606 Campos Dr	0.73mi	2/2.0	1,121 (+11%)	6mo	$215,000	$192	42
1611 Campos Dr	0.70mi	2/2.0	1,143 (+13%)	4mo	$226,000	$198	42
1647 Duran Dr	0.74mi	2/2.0	1,121 (+11%)	7mo	$225,000	$201	41
1622 Navidad St	0.68mi	2/2.0	1,121 (+11%)	11mo	$280,000	$250	40
1713 EL Nino St	0.74mi	2/2.0	1,121 (+11%)	12mo	$225,000	$201	36
2606 Olivarez Way	0.72mi	2/2.0	1,143 (+13%)	13mo	$279,500	$245	33
2502 Ponce Pl	0.69mi	2/2.0	1,143 (+13%)	18mo	$267,000	$234	30

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: -12.5%
• Equity multiple: 0.55×
• Total profit: $-24,622
• Equity at exit: $28,926

10-year hold

• IRR: -3.4%
• Equity multiple: 0.77×
• Total profit: $-12,308
• Equity at exit: $16,774

Cash invested: $54,320 (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: 712
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $2,033 high
• Mortgage (P&I): −$1,017
• Tax from tax record: −$228 /mo · $2,732/yr
• Insurance: −$81
• HOA: −$175
• Vacancy / Maint / Mgmt: −$427
• Net cashflow: $105

Break-even live

Break-even rent $1,900

Max offer price $194,000

Occupancy floor 90%

Sensitivity live

Price	-10% $215	-5% $160	+0% $105	+5% $50	+10% $-5
Rent	-10% $-56	-5% $25	+0% $105	+5% $185	+10% $266
Rate	-1.0pp $203	-0.5pp $154	base $105	+0.5pp $55	+1.0pp $4

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: $48,500
• Closing costs: $5,820
• Reserves months: —
• Total cash needed: —

Rent comps 13 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
10397 SE 176th St Summerfield, FL	2.0	2.0	1296	$2,150	$1.66	22d	1	0.23mi
17532 SE 100th Ct Summerfield, FL	2.0	2.0	1217	$1,800	$1.48	22d	1	0.41mi
17713 SE 95th Cir Summerfield, FL	3.0	2.0	1450	$2,000	$1.38	22d	1	0.80mi
17199 SE 97th Ter Summerfield, FL	3.0	2.0	1404	$1,990	$1.42	22d	1	0.86mi
13957 County Road 109D Lady Lake, FL	2.0	2.0	1482	$1,650	$1.11	22d	1	0.91mi
1377 Camero Dr Lady Lake, FL	3.0	2.0	1462	$5,500	$3.76	22d	1	1.11mi
2909 Meadow Lawn Ln The Villages, FL	2.0	2.0	1132	$4,300	$3.80	22d	1	1.11mi
1648 Belle Grove Dr The Villages, FL	2.0	2.0	1132	$4,250	$3.75	22d	1	1.18mi
2006 Cardona Way Lady Lake, FL	2.0	2.0	1428	$3,900	$2.73	22d	1	1.23mi
9523 SE 168th Maplesong Ln The Villages, FL	3.0	2.0	1265	$1,975	$1.56	22d	1	1.30mi
9990 SE 166th St Summerfield, FL	3.0	2.0	962	$1,395	$1.45	15d	1	1.31mi
1808 Peachtree Ave The Villages, FL	2.0	2.0	1182	$2,500	$2.12	22d	1	1.33mi
16962 SE 94th Sunnybrook Cir The Villages, FL	2.0	2.0	1160	$2,000	$1.72	22d	1	1.34mi

HOA detail

• Monthly dues: $175 · $2,100/yr
• Likely covers: poolgymsecurity

Listing history 24 events

1. 2026-06-18
   days on market $194,000 Active 231 DOM
2. 2026-06-17
   days on market $194,000 Active 230 DOM
3. 2026-06-16
   days on market $194,000 Active 229 DOM
4. 2026-06-15
   days on market $194,000 Active 228 DOM
5. 2026-06-14
   days on market $194,000 Active 226 DOM
6. 2026-06-13
   days on market $194,000 Active 225 DOM
7. 2026-06-10
   days on market $194,000 Active 223 DOM
8. 2026-06-09
   days on market $194,000 Active 222 DOM
9. 2026-06-08
   days on market $194,000 Active 221 DOM
10. 2026-06-07
    days on market $194,000 Active 220 DOM
11. 2026-06-03
    days on market $194,000 Active 216 DOM
12. 2026-06-02
    days on market $194,000 Active 215 DOM
13. 2026-05-31
    days on market $194,000 Active 213 DOM
14. 2026-05-30
    days on market $194,000 Active 212 DOM
15. 2026-04-02
    price $194,000 2053-char remark

    Show marketing remark (2053 chars)

    Your Next Adventure Awaits in Spruce Creek South! Welcome home to Spruce Creek South, a vibrant, securely gated 55+ community in sunny Summerfield, FL. This well-maintained 2-bedroom, 2-bath residence sits on a desirable oversized 1/4-acre lot and offers the space, privacy, and updates that make everyday living easy and enjoyable. The backyard is fully fenced, creating a private outdoor retreat with room to relax, garden, or let pets roam safely. Inside, you’ll find a bright and open living room that flows seamlessly into the dedicated dining area just off the kitchen, creating a comfortable layout for entertaining or enjoying quiet evenings at home. The primary suite features a walk-in closet and private bath, while the secondary bedroom and full guest bath provide ideal space for visitors. One of the standout features of this home is the added living space with a beautiful sunroom and a relaxing covered lanai—perfect for morning coffee, afternoon reading, or evening cocktails. Practical upgrades add even more value, including a 4-year-old roof and newer AC for peace of mind. The extended driveway offers extra parking, and the oversized main garage plus a separate golf cart garage provide exceptional storage and flexibility. A cozy front porch adds even more charm and space to unwind. This is more than just a home—it’s a lifestyle. Spruce Creek South is known for its 24/7 manned gate and legal golf cart access across US-441 to restaurants, shopping, medical offices, and daily conveniences. You’re also just minutes from The Villages, offering even more dining, entertainment, and recreation options. Residents enjoy outstanding amenities including a resort-style pool and spa, an 18-hole golf course with pro shop and on-site restaurant, a massive clubhouse with fitness center, saunas, full kitchen, and entertainment stage, along with RV and boat storage, softball field, game rooms, and a wide variety of clubs and social events. Everything you need is here. All that’s missing is you.

16. 2026-02-18
    price $199,000 2053-char remark

    Show marketing remark (2053 chars)

    Your Next Adventure Awaits in Spruce Creek South! Welcome home to Spruce Creek South, a vibrant, securely gated 55+ community in sunny Summerfield, FL. This well-maintained 2-bedroom, 2-bath residence sits on a desirable oversized 1/4-acre lot and offers the space, privacy, and updates that make everyday living easy and enjoyable. The backyard is fully fenced, creating a private outdoor retreat with room to relax, garden, or let pets roam safely. Inside, you’ll find a bright and open living room that flows seamlessly into the dedicated dining area just off the kitchen, creating a comfortable layout for entertaining or enjoying quiet evenings at home. The primary suite features a walk-in closet and private bath, while the secondary bedroom and full guest bath provide ideal space for visitors. One of the standout features of this home is the added living space with a beautiful sunroom and a relaxing covered lanai—perfect for morning coffee, afternoon reading, or evening cocktails. Practical upgrades add even more value, including a 4-year-old roof and newer AC for peace of mind. The extended driveway offers extra parking, and the oversized main garage plus a separate golf cart garage provide exceptional storage and flexibility. A cozy front porch adds even more charm and space to unwind. This is more than just a home—it’s a lifestyle. Spruce Creek South is known for its 24/7 manned gate and legal golf cart access across US-441 to restaurants, shopping, medical offices, and daily conveniences. You’re also just minutes from The Villages, offering even more dining, entertainment, and recreation options. Residents enjoy outstanding amenities including a resort-style pool and spa, an 18-hole golf course with pro shop and on-site restaurant, a massive clubhouse with fitness center, saunas, full kitchen, and entertainment stage, along with RV and boat storage, softball field, game rooms, and a wide variety of clubs and social events. Everything you need is here. All that’s missing is you.

17. 2026-01-14
    price $204,000 2053-char remark

    Show marketing remark (2053 chars)

    Your Next Adventure Awaits in Spruce Creek South! Welcome home to Spruce Creek South, a vibrant, securely gated 55+ community in sunny Summerfield, FL. This well-maintained 2-bedroom, 2-bath residence sits on a desirable oversized 1/4-acre lot and offers the space, privacy, and updates that make everyday living easy and enjoyable. The backyard is fully fenced, creating a private outdoor retreat with room to relax, garden, or let pets roam safely. Inside, you’ll find a bright and open living room that flows seamlessly into the dedicated dining area just off the kitchen, creating a comfortable layout for entertaining or enjoying quiet evenings at home. The primary suite features a walk-in closet and private bath, while the secondary bedroom and full guest bath provide ideal space for visitors. One of the standout features of this home is the added living space with a beautiful sunroom and a relaxing covered lanai—perfect for morning coffee, afternoon reading, or evening cocktails. Practical upgrades add even more value, including a 4-year-old roof and newer AC for peace of mind. The extended driveway offers extra parking, and the oversized main garage plus a separate golf cart garage provide exceptional storage and flexibility. A cozy front porch adds even more charm and space to unwind. This is more than just a home—it’s a lifestyle. Spruce Creek South is known for its 24/7 manned gate and legal golf cart access across US-441 to restaurants, shopping, medical offices, and daily conveniences. You’re also just minutes from The Villages, offering even more dining, entertainment, and recreation options. Residents enjoy outstanding amenities including a resort-style pool and spa, an 18-hole golf course with pro shop and on-site restaurant, a massive clubhouse with fitness center, saunas, full kitchen, and entertainment stage, along with RV and boat storage, softball field, game rooms, and a wide variety of clubs and social events. Everything you need is here. All that’s missing is you.

18. 2025-10-30
    listed $209,000 Active 2053-char remark

    Show marketing remark (2053 chars)

    Your Next Adventure Awaits in Spruce Creek South! Welcome home to Spruce Creek South, a vibrant, securely gated 55+ community in sunny Summerfield, FL. This well-maintained 2-bedroom, 2-bath residence sits on a desirable oversized 1/4-acre lot and offers the space, privacy, and updates that make everyday living easy and enjoyable. The backyard is fully fenced, creating a private outdoor retreat with room to relax, garden, or let pets roam safely. Inside, you’ll find a bright and open living room that flows seamlessly into the dedicated dining area just off the kitchen, creating a comfortable layout for entertaining or enjoying quiet evenings at home. The primary suite features a walk-in closet and private bath, while the secondary bedroom and full guest bath provide ideal space for visitors. One of the standout features of this home is the added living space with a beautiful sunroom and a relaxing covered lanai—perfect for morning coffee, afternoon reading, or evening cocktails. Practical upgrades add even more value, including a 4-year-old roof and newer AC for peace of mind. The extended driveway offers extra parking, and the oversized main garage plus a separate golf cart garage provide exceptional storage and flexibility. A cozy front porch adds even more charm and space to unwind. This is more than just a home—it’s a lifestyle. Spruce Creek South is known for its 24/7 manned gate and legal golf cart access across US-441 to restaurants, shopping, medical offices, and daily conveniences. You’re also just minutes from The Villages, offering even more dining, entertainment, and recreation options. Residents enjoy outstanding amenities including a resort-style pool and spa, an 18-hole golf course with pro shop and on-site restaurant, a massive clubhouse with fitness center, saunas, full kitchen, and entertainment stage, along with RV and boat storage, softball field, game rooms, and a wide variety of clubs and social events. Everything you need is here. All that’s missing is you.

19. 2023-03-21
    soldstatus $204,900 Closed 614-char remark

    Show marketing remark (614 chars)

    TAKE A LOOK AT THIS CUTE 2/2 PECAN MODEL. Located outside The Villages, Florida in the Desirable 55+, Gated, Golf Community of SPRUCE CREEK SOUTH, with all the amenities! THIS 2 BR 2 BATH WITH EXTENDED ONE CAR GARAGE, GOLF CART GARAGE AND ADDITIONAL STORAGE ROOM. SITTING ON A LARGE LOT WITH PLENTY OF PRIVACY IN THE BACK. THIS HOME WOULD BE A GREAT VACATION HOME FOR THE COLD WINTER MONTHS OF THE NORTHEAST, OR AS A LONG OR SHORT TERM RENTAL. THIS HOME HAS A WATER FILTRATION SYSTEM AND WATER SOFTNER. NEW ROOF IN 2021, AC 2008. GOOD BONES, JUST NEEDS SOME UPDATES AND TLC. SCHEDULE YOUR PRIVATE SHOWING TODAY!

20. 2023-02-16
    status Pending 614-char remark

    Show marketing remark (614 chars)

    TAKE A LOOK AT THIS CUTE 2/2 PECAN MODEL. Located outside The Villages, Florida in the Desirable 55+, Gated, Golf Community of SPRUCE CREEK SOUTH, with all the amenities! THIS 2 BR 2 BATH WITH EXTENDED ONE CAR GARAGE, GOLF CART GARAGE AND ADDITIONAL STORAGE ROOM. SITTING ON A LARGE LOT WITH PLENTY OF PRIVACY IN THE BACK. THIS HOME WOULD BE A GREAT VACATION HOME FOR THE COLD WINTER MONTHS OF THE NORTHEAST, OR AS A LONG OR SHORT TERM RENTAL. THIS HOME HAS A WATER FILTRATION SYSTEM AND WATER SOFTNER. NEW ROOF IN 2021, AC 2008. GOOD BONES, JUST NEEDS SOME UPDATES AND TLC. SCHEDULE YOUR PRIVATE SHOWING TODAY!

21. 2023-02-01
    price $204,900 614-char remark

    Show marketing remark (614 chars)

    TAKE A LOOK AT THIS CUTE 2/2 PECAN MODEL. Located outside The Villages, Florida in the Desirable 55+, Gated, Golf Community of SPRUCE CREEK SOUTH, with all the amenities! THIS 2 BR 2 BATH WITH EXTENDED ONE CAR GARAGE, GOLF CART GARAGE AND ADDITIONAL STORAGE ROOM. SITTING ON A LARGE LOT WITH PLENTY OF PRIVACY IN THE BACK. THIS HOME WOULD BE A GREAT VACATION HOME FOR THE COLD WINTER MONTHS OF THE NORTHEAST, OR AS A LONG OR SHORT TERM RENTAL. THIS HOME HAS A WATER FILTRATION SYSTEM AND WATER SOFTNER. NEW ROOF IN 2021, AC 2008. GOOD BONES, JUST NEEDS SOME UPDATES AND TLC. SCHEDULE YOUR PRIVATE SHOWING TODAY!

22. 2023-01-07
    listed $219,000 Active 614-char remark

    Show marketing remark (614 chars)

    TAKE A LOOK AT THIS CUTE 2/2 PECAN MODEL. Located outside The Villages, Florida in the Desirable 55+, Gated, Golf Community of SPRUCE CREEK SOUTH, with all the amenities! THIS 2 BR 2 BATH WITH EXTENDED ONE CAR GARAGE, GOLF CART GARAGE AND ADDITIONAL STORAGE ROOM. SITTING ON A LARGE LOT WITH PLENTY OF PRIVACY IN THE BACK. THIS HOME WOULD BE A GREAT VACATION HOME FOR THE COLD WINTER MONTHS OF THE NORTHEAST, OR AS A LONG OR SHORT TERM RENTAL. THIS HOME HAS A WATER FILTRATION SYSTEM AND WATER SOFTNER. NEW ROOF IN 2021, AC 2008. GOOD BONES, JUST NEEDS SOME UPDATES AND TLC. SCHEDULE YOUR PRIVATE SHOWING TODAY!

23. 1994-08-05
    soldstatus $59,000
24. 1991-10-01
    soldstatus $60,400

ⓘ 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: $2,732 · $228/mo
• Projected year-2 tax: $2,732 · $228/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 6/10 Major FEMA zone X (unshaded) · 73% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 9/10 Extreme 7 d/yr ≥109°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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,392
• − Mortgage interest: −$10,867
• − Property taxes: −$2,732
• − Insurance: −$970
• − Repairs & maintenance: −$1,951
• − Management: −$1,951
• − HOA: −$2,100
• − Depreciation: −$5,644
• Taxable loss: −$1,823
• Est. tax savings @ 24.0%: +$438
• After-tax cash flow: $1,697/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: 19,167
• 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

+221.2% since first listed

10 events — show timeline

• 2026-04-02 Price Changed $194,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Price Changed $199,000 Stellar MLS as Distributed by MLS Grid
• 2026-01-14 Price Changed $204,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-30 Listed $209,000 Stellar MLS as Distributed by MLS Grid
• 2023-03-21 Sold (MLS) $204,900 Stellar MLS as Distributed by MLS Grid
• 2023-02-16 Pending — Stellar MLS as Distributed by MLS Grid
• 2023-02-01 Price Changed $204,900 Stellar MLS as Distributed by MLS Grid
• 2023-01-07 Listed $219,000 Stellar MLS as Distributed by MLS Grid
• 1994-08-05 Sold (Public Records) $59,000 Public Records
• 1991-10-01 Sold (Public Records) $60,400 Public Records

Property tax history

+12.4%/yr

Latest (2025): $2,732 · +10.1% YoY. Source: county tax records.