1026 SE 65th Cir · Silver Springs Shores, FL 34472

$285,000

3 bd · 2.0 ba · 1,757 sqft · SingleFamily public records · 130 Days on market

Built 2017 0.25 ac lot $162/sqft · 8% below area Est $308k · 8% under $10/mo HOA · 1% of rent

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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).

• ARV discount +10.9/15.0
• Appreciation +8.0/10.0
• Cash flow +7.1/30.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• 1% rule +1.7/10.0
• DSCR +1.3/10.0

Listing remarks MLS

Turn-key 3-bedroom, 2-bath home offering 1,757 sq ft of thoughtfully designed living space, built in 2017 by Murray Kauffman Builders. This well-maintained residence combines quality construction with functional upgrades and exceptional outdoor features. The open-concept floor plan provides comfortable living and entertaining space, complemented by modern finishes and abundant natural light. The spacious primary suite offers privacy and comfort, while the additional bedrooms provide flexibility for guests, family, or a home office. Step outside to a screened lanai overlooking a fully gated backyard designed for both relaxation and practicality. The yard features two double gates for easy access, along with a gravel/concrete parking pad—perfect for storing a trailer or boat. Enjoy year-round relaxation in the heated above-ground jetted hot tub, complete with a Covana hot tub/gazebo cover for convenience and protection. Additional highlights include an attached 2.5-car garage, gas tankless water heater, Taexx in-wall pest control system, removable hurricane shutters, and numerous other upgrades throughout. This move-in-ready home offers comfort, efficiency, and lifestyle amenities all in one package. Schedule your private showing today!

Key facts

• 0.25 acre lot
• 2 garage spots
• Built 2017

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $285k.

Deal economics

• At list price, monthly cash flow is $-405 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $213k (25.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $190k (33.2% below list).
• Recommended offer: $190k (33.2% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#527 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: crime C-, employment D, amenities 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.
• Zoned schools: Ward-Highlands Elementary School (math 60% / reading 55%, grade C+, #764 of 2,144 statewide, top 36%, 959 students, 59% FRL); Fort King Middle School (math 37% / reading 35%, grade F, #410 of 571 statewide, top 72%, 1,092 students, 71% FRL); Forest High School (math 36% / reading 54%, grade D-, #228 of 667 statewide, top 35%, 2,325 students, 42% FRL) — zoned schools at 57% FRL track the district average.
• Market conditions: Rents flat; 683 active listings in the ZIP; 11 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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 36% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $19k of equity ($2k loan paydown + $17k appreciation (5.9% local appreciation)).
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 130 days — a 12% lower offer ($251k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 7y ago; this cycle's ask has dropped $25k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $190,396 (33.2% 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 130 days. Have you received any prior offers? Is the seller open to a 33% 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 F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
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: 0.67% ✗
• Cap rate: 4.59%
• Cash-on-cash: -6.10%
• DSCR: 0.73
• GRM: 12.5

CMA / ARV

• ARV (median comp): $308,137
• List price: $285,000
• Delta: -7.51%
• Verdict: FAIR
• Comps: 20 within 1.0 mi

Show comp detail 6 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6598 SE 11th Loop	0.28mi	3/2.0	1,969 (+12%)	2mo	$379,900	$193	65
1371 SE 65th Cir	0.41mi	3/2.0	1,763 (+0%)	19mo	$315,000	$179	64
907 SE 65th Cir	0.20mi	3/2.0	1,543 (-12%)	16mo	$305,000	$198	57
6605 SE 1st Loop	0.50mi	4/2.0 (+1)	1,828 (+4%)	23mo	$310,935	$170	46
415 SE 61st Ct	0.73mi	3/2.0	1,684 (-4%)	18mo	$349,900	$208	44
6551 SE 1st Loop	0.65mi	4/2.0 (+1)	1,828 (+4%)	20mo	$319,935	$175	42

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

5.93% appreciation · 0.17% rent growth · sell at horizon

5-year hold

• IRR: 9.3%
• Equity multiple: 1.63×
• Total profit: $50,044
• Equity at exit: $177,949

10-year hold

• IRR: 10.0%
• Equity multiple: 2.98×
• Total profit: $158,174
• Equity at exit: $321,660

Cash invested: $79,800 (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 34472

• Home prices YoY: 2.4%
• Rents YoY: 0.2%
• Active inventory: 683
• Price-to-rent: 12.5×

Monthly cashflow live

• Estimated rent: $1,904 high
• Mortgage (P&I): −$1,495
• Tax from tax record: −$286 /mo · $3,435/yr
• Insurance: −$119
• HOA: −$10
• Vacancy / Maint / Mgmt: −$400
• Net cashflow: $-405

Break-even live

Break-even rent $2,417

Max offer price $213,382

Occupancy floor —

Sensitivity live

Price	-10% $-244	-5% $-325	+0% $-405	+5% $-486	+10% $-567
Rent	-10% $-556	-5% $-481	+0% $-405	+5% $-330	+10% $-255
Rate	-1.0pp $-262	-0.5pp $-333	base $-405	+0.5pp $-479	+1.0pp $-554

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: $71,250
• Closing costs: $8,550
• Reserves months: —
• Total cash needed: —

Rent comps 11 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
100 SE 68th Ct Ocala, FL	3.0	2.0	1612	$1,850	$1.15	23d	1	0.53mi
6772 NE 1st St Unit Na Ocala, FL	3.0	2.0	1300	$1,500	$1.15	15d	1	0.61mi
6859 NE 1st Pl Ocala, FL	3.0	2.0	1250	$1,400	$1.12	23d	1	0.69mi
113 Teak Rd Ocala, FL	3.0	3.0	2086	$2,150	$1.03	15d	1	0.70mi
15 NE 63rd Ct Ocala, FL	3.0	2.0	1500	$1,700	$1.13	23d	1	0.77mi
6688 Cherry Rd Ocala, FL	3.0	2.0	1270	$1,950	$1.54	15d	1	0.80mi
6001 SE 4th Pl Ocala, FL	3.0	2.0	1865	$2,295	$1.23	15d	1	0.85mi
9 Teak Way Dr Ocala, FL	3.0	2.0	1352	$1,800	$1.33	15d	1	0.90mi
5725 SE 3rd Pl Ocala, FL	3.0	2.0	1608	$1,550	$0.96	23d	1	1.07mi
436 NE 61st Ter Ocala, FL	3.0	2.0	2170	$2,600	$1.20	23d	1	1.12mi
9 Banyan Course Run Ocala, FL	3.0	2.0	1345	$1,599	$1.19	23d	1	1.32mi

HOA detail

• Monthly dues: $10 · $120/yr
• Likely covers: watergassecurity

Listing history 31 events

1. 2026-06-22
   pricedays on market $285,000 Active 130 DOM
2. 2026-06-18
   days on market $290,000 Active 127 DOM
3. 2026-06-17
   days on market $290,000 Active 126 DOM
4. 2026-06-16
   days on market $290,000 Active 125 DOM
5. 2026-06-15
   days on market $290,000 Active 124 DOM
6. 2026-06-14
   days on market $290,000 Active 122 DOM
7. 2026-06-13
   days on market $290,000 Active 121 DOM
8. 2026-06-10
   days on market $290,000 Active 119 DOM
9. 2026-06-09
   days on market $290,000 Active 118 DOM
10. 2026-06-08
    days on market $290,000 Active 117 DOM
11. 2026-06-07
    days on market $290,000 Active 116 DOM
12. 2026-06-03
    days on market $290,000 Active 112 DOM
13. 2026-06-02
    pricedays on market $290,000 Active 111 DOM
14. 2026-06-01
    days on market $300,000 Active 110 DOM
15. 2026-05-31
    days on market $300,000 Active 109 DOM
16. 2026-05-30
    days on market $300,000 Active 108 DOM
17. 2026-03-31
    price $300,000 1260-char remark

    Show marketing remark (1260 chars)

    Turn-key 3-bedroom, 2-bath home offering 1,757 sq ft of thoughtfully designed living space, built in 2017 by Murray Kauffman Builders. This well-maintained residence combines quality construction with functional upgrades and exceptional outdoor features. The open-concept floor plan provides comfortable living and entertaining space, complemented by modern finishes and abundant natural light. The spacious primary suite offers privacy and comfort, while the additional bedrooms provide flexibility for guests, family, or a home office. Step outside to a screened lanai overlooking a fully gated backyard designed for both relaxation and practicality. The yard features two double gates for easy access, along with a gravel/concrete parking pad—perfect for storing a trailer or boat. Enjoy year-round relaxation in the heated above-ground jetted hot tub, complete with a Covana hot tub/gazebo cover for convenience and protection. Additional highlights include an attached 2.5-car garage, gas tankless water heater, Taexx in-wall pest control system, removable hurricane shutters, and numerous other upgrades throughout. This move-in-ready home offers comfort, efficiency, and lifestyle amenities all in one package. Schedule your private showing today!

18. 2026-02-11
    listed $310,000 Active 1260-char remark

    Show marketing remark (1260 chars)

    Turn-key 3-bedroom, 2-bath home offering 1,757 sq ft of thoughtfully designed living space, built in 2017 by Murray Kauffman Builders. This well-maintained residence combines quality construction with functional upgrades and exceptional outdoor features. The open-concept floor plan provides comfortable living and entertaining space, complemented by modern finishes and abundant natural light. The spacious primary suite offers privacy and comfort, while the additional bedrooms provide flexibility for guests, family, or a home office. Step outside to a screened lanai overlooking a fully gated backyard designed for both relaxation and practicality. The yard features two double gates for easy access, along with a gravel/concrete parking pad—perfect for storing a trailer or boat. Enjoy year-round relaxation in the heated above-ground jetted hot tub, complete with a Covana hot tub/gazebo cover for convenience and protection. Additional highlights include an attached 2.5-car garage, gas tankless water heater, Taexx in-wall pest control system, removable hurricane shutters, and numerous other upgrades throughout. This move-in-ready home offers comfort, efficiency, and lifestyle amenities all in one package. Schedule your private showing today!

19. 2024-05-13
    price $325,000
20. 2024-04-12
    price $335,000
21. 2024-03-15
    price $347,410
22. 2024-02-28
    listed $354,900 Active
23. 2021-11-12
    soldstatus $290,000 Closed
24. 2021-09-27
    status Pending
25. 2021-09-03
    listed $299,000 Active
26. 2021-02-08
    historical
27. 2020-11-03
    listed $259,900
28. 2020-10-26
    historical
29. 2020-10-16
    listed $259,900
30. 2019-04-26
    historical
31. 2019-01-11
    listed $254,000

ⓘ 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: $3,435 · $286/mo
• Projected year-2 tax: $3,435 · $286/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 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 4 unhealthy d/yr today · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $22,848
• − Mortgage interest: −$15,964
• − Property taxes: −$3,435
• − Insurance: −$1,425
• − Repairs & maintenance: −$1,828
• − Management: −$1,828
• − HOA: −$120
• − Depreciation: −$8,291
• Taxable loss: −$10,043
• Est. tax savings @ 24.0%: +$2,410
• After-tax cash flow: $-2,455/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 — Silver Springs Shores

• Score: 68/100
• State rank: #527
• US rank: #9854

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 34,665
• Metro: Ocala, FL
• Population (ZIP): 35,851
• Household income: $64,208
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 655.0

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 0.65)
• Race & ethnicity: White 50% Hispanic / Latino 25% Black 21% Two or more races 18% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 14% Cuban 3%
• Common ancestry: Romanian 2% Iranian 1% Lithuanian 1%
• Foreign-born: 11% · Canada, Jamaica, China
• Languages at home: 78% English-only · Spanish 19% 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: ▲ 5.93%
• Current HPI: 255.0714
• Rent YoY: ▲ 0.17%
• 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

+18.1% since first listed

15 events — show timeline

• 2026-03-31 Price Changed $300,000 Stellar MLS as Distributed by MLS Grid
• 2026-02-11 Listed $310,000 Stellar MLS as Distributed by MLS Grid
• 2024-05-13 Price Changed $325,000 Stellar MLS as Distributed by MLS Grid
• 2024-04-12 Price Changed $335,000 Stellar MLS as Distributed by MLS Grid
• 2024-03-15 Price Changed $347,410 Stellar MLS as Distributed by MLS Grid
• 2024-02-28 Listed $354,900 Stellar MLS as Distributed by MLS Grid
• 2021-11-12 Sold (MLS) $290,000 Stellar MLS as Distributed by MLS Grid
• 2021-09-27 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-09-03 Listed $299,000 Stellar MLS as Distributed by MLS Grid
• 2021-02-08 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2020-11-03 Listed $259,900 Stellar MLS as Distributed by MLS Grid
• 2020-10-26 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2020-10-16 Listed $259,900 Stellar MLS as Distributed by MLS Grid
• 2019-04-26 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2019-01-11 Listed $254,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+26.9%/yr

Latest (2025): $3,435 · +8.1% YoY. Source: county tax records.