7385 SW 103rd Ln · Liberty Triangle, FL 34476

$210,000

3 bd · 2.0 ba · 1,334 sqft · SingleFamily public records · 43 Days on market

Built 1986 0.31 ac lot $157/sqft · at area comps Est $276k · 24% under

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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 +16.7/30.0
• ARV discount +15.0/15.0
• DSCR +5.2/10.0
• 1% rule +3.6/10.0
• Schools +3.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. Tucked away on a generous 0.31-acre lot in desirable southwest Ocala, this charming three-bedroom, two-bath home offers a wonderful opportunity to create something special. Lovingly cared for by the same family for years, it’s now ready to welcome new owners to make it their own. Inside, you’ll find a comfortable layout featuring a living room, a separate dining room, and a bright, spacious 375 square feet sunroom at the back of the home, perfect for relaxing, entertaining or enjoying views of the backyard year-round. The spacious kitchen offers a breakfast bar, ample storage and a cozy breakfast nook, complete with a window overlooking th

Key facts

• 0.31-acre lot
• Walk-in closet
• Sunroom

Tags

• 0.31-ACRE LOT
• SUNROOM
• BREAKFAST BAR
• WALK-IN SHOWER
• WALK-IN CLOSET
• INDOOR LAUNDRY ROOM

Property features AI

Finance

• Other: Homestead exempt; Zoning: R3; Lot about 0.31 acre (1/4 to less than 1/2 acre)
• HOA & community: No association

Exterior

• Parking: Attached garage with 2 spaces
• Utilities: Public water; Septic tank; Cable available; Electricity connected; Sewer connected
• Home design: Single family residence; One story; Northeast facing
• Construction: Block construction; Shingle roof; Slab foundation; Building area reported as 2,534 square feet
• Exterior features: Private mailbox; Level lot; Asphalt road access

Interior

• Kitchen: Dishwasher; Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Eat-in kitchen; Kitchen/family room combo; Split bedroom floor plan
• Laundry & utility: Laundry room; Washer; Dryer

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $210k.

Deal economics

• At list price, monthly cash flow is $130 ($2k/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 $181k (14.0% below list).
• Recommended offer: $181k (14.0% below list) — sets the bar for 1% rule.
• Cap rate 7.0% vs local median 4.5% in Liberty Triangle — 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 C — 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: Hammett Bowen Jr. Elementary School (math 56% / reading 56%, grade C+, #832 of 2,144 statewide, top 40%, 867 students, 54% FRL); West Port High School (math 34% / reading 52%, grade F, #255 of 667 statewide, top 39%, 2,906 students, 52% FRL).
• Market conditions: Rents soft (-2.6%/yr); 852 active listings in the ZIP; 21 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 33% 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 $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 43 days — a 3% lower offer ($204k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts; this cycle's ask has dropped $15k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $92k; list at $210k implies a 129% 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→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $180,667 (14.0% below list)

Questions for the listing agent

1. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 14% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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.
4. 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.
5. 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: 7.04%
• Cash-on-cash: 2.66%
• DSCR: 1.12
• GRM: 9.7

CMA / ARV

• ARV (median comp): $275,714
• List price: $210,000
• Delta: -23.83%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
7448 SW 102 Pl	0.10mi	3/2.0	1,261 (-6%)	22mo	$213,750	$170	68
10696 SW 74th Ter	0.30mi	3/2.0	1,485 (+11%)	2mo	$225,000	$152	65
10655 SW 74th Ter	0.24mi	3/2.0	1,510 (+13%)	12mo	$254,500	$169	57
11120 SW 71st Terrace Rd	0.71mi	2/2.0 (-1)	1,290 (-3%)	13mo	$209,888	$163	46
11132 SW 73rd Ct	0.72mi	3/2.0	1,530 (+15%)	23mo	$275,000	$180	23

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: -15.2%
• Equity multiple: 0.47×
• Total profit: $-31,082
• Equity at exit: $31,312

10-year hold

• IRR: -12.1%
• Equity multiple: 0.37×
• Total profit: $-37,103
• Equity at exit: $18,157

Cash invested: $58,800 (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 34476

• Rents YoY: -2.6%
• Active inventory: 852
• Price-to-rent: 9.7×

Monthly cashflow live

• Estimated rent: $1,807 high
• Mortgage (P&I): −$1,101
• Tax from tax record: −$108 /mo · $1,297/yr
• Insurance: −$88
• HOA: −$0
• Vacancy / Maint / Mgmt: −$379
• Net cashflow: $130

Break-even live

Break-even rent $1,642

Max offer price $210,000

Occupancy floor 88%

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: $52,500
• Closing costs: $6,300
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,795	$0.99	21d	1	0.57mi
7750 SW 100th St Ocala, FL	3.0	2.0	1805	$1,750	$0.97	13d	1	0.57mi
8130 SW 108th Street Rd Ocala, FL	2.0	2.0	1084	$1,975	$1.82	21d	1	0.96mi
10912 SW 69th Cir Ocala, FL	2.0	2.0	1169	$1,600	$1.37	21d	1	1.11mi
10819 SW 83rd Ct Ocala, FL	3.0	2.0	1601	$1,495	$0.93	21d	1	1.12mi
15062 SW 63rd Ct Ocala, FL	4.0	2.5	1560	$1,850	$1.19	21d	1	1.17mi
7867 SW 115th Loop Ocala, FL	3.0	2.0	1462	$1,600	$1.09	21d	1	1.22mi
6345 SW 115th Street Rd Ocala, FL	2.0	2.0	1008	$1,400	$1.39	21d	1	1.23mi
10441 SW 85th Ct Ocala, FL	2.0	2.0	1090	$1,495	$1.37	21d	1	1.24mi
10312 SW 61st Terrace Rd Ocala, FL	2.0	2.0	1008	$1,650	$1.64	21d	1	1.31mi
14173 SW 60th Ter Unit 2 Ocala, FL	2.0	2.0	1127	$1,450	$1.29	21d	1	1.34mi
11302 SW 62nd Cir Ocala, FL	3.0	2.0	1526	$2,095	$1.37	21d	1	1.42mi
8669 SW 108th Ln Ocala, FL	2.0	1.0	1152	$1,250	$1.09	21d	1	1.43mi
8744 SW 108th Lane Rd Ocala, FL	3.0	2.0	1614	$2,200	$1.36	21d	1	1.43mi
8655 SW 98th Street Rd Unit G Ocala, FL	2.0	2.0	1424	$1,500	$1.05	21d	1	1.45mi
8757 SW 97th Lane Rd Unit C Ocala, FL	2.0	2.0	1490	$1,600	$1.07	13d	1	1.46mi
6035 SW 98th Street Rd Ocala, FL	2.0	2.0	1494	$1,650	$1.10	13d	1	1.47mi
8670 SW 97th St Unit A Ocala, FL	2.0	2.0	1341	$1,600	$1.19	21d	1	1.48mi
9257 SW 82nd Ter Unit H Ocala, FL	2.0	2.0	1748	$1,600	$0.92	21d	1	1.48mi
9853 SW 59th Cir Ocala, FL	2.0	1.0	935	$1,500	$1.60	13d	1	1.49mi
8671 SW 97th St Unit C Ocala, FL	2.0	2.0	1341	$1,474	$1.10	13d	1	1.49mi

Listing history 15 events

1. 2026-06-15
   status $210,000 Pending 43 DOM
2. 2026-06-15
   days on market $210,000 Active 43 DOM
3. 2026-06-14
   days on market $210,000 Active 41 DOM
4. 2026-06-13
   days on market $210,000 Active 40 DOM
5. 2026-06-10
   pricedays on market $210,000 Active 38 DOM
6. 2026-06-09
   days on market $224,900 Active 37 DOM
7. 2026-06-09
   status $224,900 Active 36 DOM
8. 2026-06-03
   statusdays on market $224,900 Pending 36 DOM
9. 2026-06-02
   days on market $224,900 Active 35 DOM
10. 2026-06-01
    days on market $224,900 Active 34 DOM
11. 2026-05-31
    days on market $224,900 Active 33 DOM
12. 2026-05-30
    days on market $224,900 Active 32 DOM
13. 2026-04-28
    listed $224,900 Active 1648-char remark
14. 1999-05-07
    soldstatus $91,600
15. 1997-09-22
    soldstatus $85,000

ⓘ 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: $1,297 · $108/mo
• Projected year-2 tax: $1,743 · $145/mo
• Expected delta: +$446/yr (+$37/mo · 34.4%)

ⓘ 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 ≥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 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,680
• − Mortgage interest: −$11,763
• − Property taxes: −$1,297
• − Insurance: −$1,050
• − Repairs & maintenance: −$1,734
• − Management: −$1,734
• − Depreciation: −$6,109
• Taxable loss: −$2,008
• Est. tax savings @ 24.0%: +$482
• After-tax cash flow: $2,047/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 — Liberty Triangle

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

Census & demographics

• Census place: Liberty Triangle, FL
• County: Marion County · 315,796 people
• City population: 26,397
• Metro: Ocala, FL
• Population (ZIP): 28,997
• Household income: $65,860
• Rent vs Own: 12.3% rent · 87.7% own
• Severe rent burden: 204.0

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 0.55)
• Race & ethnicity: White 63% Hispanic / Latino 18% Black 13% Two or more races 10% Asian 1%
• Hispanic origin (detail): Mexican 3% Puerto Rican 8% Cuban 3%
• Common ancestry: Romanian 3% Slovak 3% Lithuanian 3%
• Foreign-born: 15% · Canada, Jamaica, Dominican Republic
• Languages at home: 83% English-only · Spanish 14% Other Indo-European 1% German/W. Germanic 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: ▼ -105.22%
• Current HPI: 189.0869
• Rent YoY: ▼ -2.57%
• 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

+147.1% since first listed

7 events — show timeline

• 2026-06-15 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-06-09 Price Changed $210,000 Stellar MLS as Distributed by MLS Grid
• 2026-06-08 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-06-03 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-28 Listed $224,900 Stellar MLS as Distributed by MLS Grid
• 1999-05-07 Sold (Public Records) $91,600 Public Records
• 1997-09-22 Sold (Public Records) $85,000 Public Records

Property tax history

+3.7%/yr

Latest (2025): $1,297 · +22.3% YoY. Source: county tax records.