14676 SW 43rd Court Rd · Marion Oaks, FL 34473

$182,000

2 bd · 2.0 ba · 1,121 sqft · SingleFamily public records · 29 Days on market

Built 1983 8,712 sqft lot $162/sqft · 12% below area Est $208k · 12% under

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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 +14.1/30.0
• ARV discount +13.1/15.0
• 1% rule +4.3/10.0
• DSCR +4.3/10.0
• Schools +3.6/10.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• Rent growth +2.3/5.0
• Appreciation +0.0/10.0

Listing remarks

New 2026 roof to be installed prior to closing! Free appraisal until June 30th! 3-bedroom 2-bath (garage was converted into master bedroom) single-family home located in the desirable Marion Oaks. Situated on . 20 acres this property is zoned R-1 and offers the perfect blend of comfort and convenience. The home features a functional floor plan with spacious living areas, a new updated well-appointed kitchen, and a private primary suite. Enjoy a generous yard with plenty of room for outdoor living, entertaining, or future improvements. Conveniently located near schools, shopping, dining, and major roadways, with easy access to all that Ocala has to offer. Ideal for homeowners or investors se

Key facts

• Generous yard
• Converted garage
• Zoned r-1

Tags

• CONVERTED GARAGE
• ZONED R-1
• GENEROUS YARD
• PRIVATE PRIMARY SUITE
• UPDATED WELL-APPOINTED KITCHEN
• FUNCTIONAL FLOOR PLAN

Property features AI

Finance

• Other: Property zoned R1; Residential, single family property
• Financial info: Tax information not included per instructions
• HOA & community: No HOA association

Exterior

• Parking: No specific parking details provided
• Utilities: Public water; Public sewer; Electric service available; Other utilities
• Home design: Single-family residence; One story; North-facing
• Construction: Block construction; Shingle roof; Slab foundation; Built area about 1,121 square feet
• Exterior features: Paved asphalt road access; Lot dimensions approximately 85 x 100; Lot about 0.2 acres (0 to less than 1/4 acre)

Interior

• Kitchen: Range; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Electric heating; Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Inside laundry room; Dryer

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $182k.

Deal economics

• At list price, monthly cash flow is $28 ($333/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 $169k (7.4% below list).
• Recommended offer: $169k (7.4% below list) — sets the bar for 1% rule.
• Cap rate 6.5% vs local median 4.8% in Marion Oaks — 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 D — 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: Sunrise Elementary School (math 43% / reading 34%, grade F, #1,575 of 2,144 statewide, top 74%, 1,017 students, 73% FRL); Dunnellon High School (math 30% / reading 32%, grade F, #429 of 667 statewide, top 65%, 1,350 students, 63% FRL).
• Market conditions: Rents soft (-0.7%/yr); 1355 active listings in the ZIP; 22 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 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 $1k of loan paydown is wiped out by about $5k 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 29 days — a 2% lower offer ($179k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y 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.
• Current owner paid $47k; list at $182k implies a 284% 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 $168,586 (7.4% below list)

Questions for the listing agent

1. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
2. 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?
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: 0.93% ✗
• Cap rate: 6.48%
• Cash-on-cash: 0.65%
• DSCR: 1.03
• GRM: 9.0

CMA / ARV

• ARV (median comp): $207,901
• List price: $182,000
• Delta: -12.46%
• 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
223 Marion Oaks Ln	0.61mi	2/2.0	1,121 (0%)	9mo	$130,000	$116	64
167 Marion Oaks Ln	0.25mi	2/2.0	966 (-14%)	5mo	$109,038	$113	61
14425 SW 38th Terrace Rd	0.46mi	3/1.0 (+1)	1,044 (-7%)	1mo	$165,000	$158	57
14746 SW 41st Avenue Rd	0.20mi	3/1.0 (+1)	1,044 (-7%)	16mo	$215,000	$206	57
14540 SW 35th Terrace Rd	0.48mi	3/2.0 (+1)	1,104 (-2%)	18mo	$199,000	$180	55
173 Marion Oaks Ln	0.29mi	2/2.0	1,289 (+15%)	15mo	$159,000	$123	49
15068 SW 43rd Ct	0.38mi	3/2.0 (+1)	1,246 (+11%)	16mo	$250,000	$201	45
3530 SW 147th Lane Road Rd	0.72mi	3/1.5 (+1)	1,184 (+6%)	8mo	$129,000	$109	43
3769 SW 148th Pl	0.55mi	3/1.0 (+1)	966 (-14%)	6mo	$171,700	$178	37
15011 SW 37th Ter	0.66mi	2/2.0	1,240 (+11%)	18mo	$210,000	$169	36
15036 SW 35th Cir	0.72mi	2/1.5	966 (-14%)	13mo	$145,000	$150	31
14545 SW 34th Terrace Rd	0.75mi	3/2.0 (+1)	1,285 (+15%)	11mo	$178,000	$139	27

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: -18.8%
• Equity multiple: 0.36×
• Total profit: $-32,614
• Equity at exit: $27,137

10-year hold

• IRR: -19.2%
• Equity multiple: 0.12×
• Total profit: $-45,001
• Equity at exit: $15,736

Cash invested: $50,960 (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 34473

• Home prices YoY: -16.8%
• Rents YoY: -0.7%
• Active inventory: 1355
• Price-to-rent: 9.0×

Monthly cashflow live

• Estimated rent: $1,686 high
• Mortgage (P&I): −$954
• Tax from tax record: −$274 /mo · $3,286/yr
• Insurance: −$76
• HOA: −$0
• Vacancy / Maint / Mgmt: −$354
• Net cashflow: $28

Break-even live

Break-even rent $1,651

Max offer price $182,000

Occupancy floor 93%

Sensitivity live

Price	-10% $131	-5% $79	+0% $28	+5% $-24	+10% $-75
Rent	-10% $-105	-5% $-39	+0% $28	+5% $94	+10% $161
Rate	-1.0pp $119	-0.5pp $74	base $28	+0.5pp $-19	+1.0pp $-67

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: $45,500
• Closing costs: $5,460
• Reserves months: —
• Total cash needed: —

Rent comps 22 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
14525 SW 42nd Terrace Rd Ocala, FL	3.0	2.0	1344	$1,850	$1.38	14d	1	0.12mi
14614 SW 46th Ct Ocala, FL	3.0	2.0	1200	$1,800	$1.50	22d	1	0.32mi
4309 SW 143rd Lane Rd Ocala, FL	3.0	2.0	1238	$1,799	$1.45	14d	1	0.34mi
14193 SW 44th Ct Ocala, FL	3.0	2.0	1449	$1,599	$1.10	14d	1	0.51mi
14430 SW 34th Terrace Rd Ocala, FL	2.0	2.0	1025	$1,350	$1.32	14d	1	0.58mi
15018 SW 48th Ave Ocala, FL	3.0	2.0	1413	$1,625	$1.15	14d	1	0.60mi
14856 SW 35th Cir Ocala, FL	2.0	2.0	1036	$1,450	$1.40	14d	1	0.71mi
251 Marion Oaks Crse Ocala, FL	3.0	2.0	1373	$1,795	$1.31	22d	1	0.73mi
3567 SW 151st St Ocala, FL	2.0	2.0	1126	$1,450	$1.29	22d	1	0.82mi
4004 SW 138th Pl Ocala, FL	3.0	2.0	1348	$1,695	$1.26	22d	1	0.84mi
15095 SW 51st Ter Ocala, FL	3.0	2.0	1196	$1,500	$1.25	14d	1	0.88mi
3313 SW 147th St Ocala, FL	2.0	2.0	1121	$1,400	$1.25	22d	1	0.93mi
13731 SW 40th Cir Ocala, FL	3.0	2.0	1463	$1,695	$1.16	14d	1	0.99mi
5541 SW 153rd Street Rd Ocala, FL	3.0	2.0	1357	$1,700	$1.25	14d	1	1.25mi
15729 SW 34th Court Rd Ocala, FL	2.0	2.0	984	$1,400	$1.42	14d	1	1.29mi
15739 SW 34th Court Rd Ocala, FL	2.0	2.0	984	$1,400	$1.42	14d	1	1.30mi
15885 SW 35th Court Rd Unit 1 Ocala, FL	3.0	2.0	1201	$1,550	$1.29	22d	1	1.36mi
15831 SW 34th Court Rd Ocala, FL	3.0	2.0	1402	$1,715	$1.22	14d	1	1.42mi
15755 SW 33rd Avenue Rd Unit 1 Ocala, FL	3.0	2.0	1107	$1,300	$1.17	22d	1	1.45mi
3580 SW 158th Pl Ocala, FL	3.0	2.0	1011	$1,600	$1.58	14d	1	1.47mi
2730 SW 145th Place Rd Ocala, FL	3.0	2.0	1373	$1,725	$1.26	22d	1	1.48mi
3011 SW 140th Loop Ocala, FL	3.0	2.0	1335	$1,695	$1.27	22d	1	1.49mi

Listing history 20 events

1. 2026-06-18
   days on market $182,000 Active 29 DOM
2. 2026-06-17
   days on market $182,000 Active 28 DOM
3. 2026-06-16
   days on market $182,000 Active 27 DOM
4. 2026-06-15
   days on market $182,000 Active 26 DOM
5. 2026-06-14
   days on market $182,000 Active 24 DOM
6. 2026-06-13
   days on market $182,000 Active 23 DOM
7. 2026-06-10
   days on market $182,000 Active 21 DOM
8. 2026-06-09
   days on market $182,000 Active 20 DOM
9. 2026-06-09
   price $182,000 Active 19 DOM
10. 2026-06-08
    days on market $189,000 Active 19 DOM
11. 2026-06-07
    days on market $189,000 Active 18 DOM
12. 2026-06-03
    days on market $189,000 Active 14 DOM
13. 2026-06-02
    statusdays on market $189,000 Active 13 DOM
14. 2026-05-13
    listed $189,000 Active 669-char remark
15. 2025-04-09
    historical $1,350
16. 2025-03-14
    price $1,350
17. 2025-02-04
    price $1,500
18. 2025-01-08
    price $1,595
19. 2024-12-20
    listed $1,695
20. 2000-10-25
    soldstatus $47,400

ⓘ 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: $3,286 · $274/mo
• Projected year-2 tax: $3,286 · $274/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 ≥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 2 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $20,230
• − Mortgage interest: −$10,195
• − Property taxes: −$3,286
• − Insurance: −$910
• − Repairs & maintenance: −$1,618
• − Management: −$1,618
• − Depreciation: −$5,295
• Taxable loss: −$2,692
• Est. tax savings @ 24.0%: +$646
• After-tax cash flow: $979/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 — Marion Oaks

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

Census & demographics

• Census place: Marion Oaks, FL
• County: Marion County · 315,796 people
• City population: 25,030
• Metro: Ocala, FL
• Population (ZIP): 26,813
• Household income: $72,366
• Rent vs Own: 21.5% rent · 78.5% own
• Severe rent burden: 228.0

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 0.69)
• Race & ethnicity: White 34% Black 33% Hispanic / Latino 29% Two or more races 19% Asian 1%
• Hispanic origin (detail): Mexican 1% Puerto Rican 17% Cuban 3%
• Common ancestry: Hispanic 3% Portuguese 2% Romanian 1%
• Foreign-born: 17% · Canada, Jamaica
• Languages at home: 67% English-only · Spanish 27% French/Haitian/Cajun 4% 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: ▼ -45.25%
• Current HPI: 224.3536
• Rent YoY: ▼ -0.67%
• 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

+284.0% since first listed

10 events — show timeline

• 2026-06-08 Price Changed $182,000 Stellar MLS as Distributed by MLS Grid
• 2026-06-01 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-05-25 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-13 Listed $189,000 Stellar MLS as Distributed by MLS Grid
• 2025-04-09 Rental Removed $1,350 APPFOLIO
• 2025-03-14 Price Changed $1,350 APPFOLIO
• 2025-02-04 Price Changed $1,500 APPFOLIO
• 2025-01-08 Price Changed $1,595 APPFOLIO
• 2024-12-20 Listed for Rent $1,695 APPFOLIO
• 2000-10-25 Sold (Public Records) $47,400 Public Records

Property tax history

+20.3%/yr

Latest (2025): $3,286 · +7.7% YoY. Source: county tax records.