5780 NW 57th Ct · Ocala, FL 34482

$240,000

3 bd · 2.0 ba · 1,173 sqft · SingleFamily · 28 Days on market

Built 2026 Good condition 10,454 sqft lot Est $211k · 14% over

---

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 +11.6/30.0
• Rent growth +5.0/5.0
• Condition / age +4.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• 1% rule +3.4/10.0
• DSCR +3.4/10.0
• ARV discount +1.3/15.0
• Appreciation +0.0/10.0

Listing remarks

Under contract-accepting backup offers. Photos may include virtual staging. Homes may feature design variations and multiple interior finish and exterior landscaping packages to select from. We offer both completed homes and homes to be built. For to be built inventory, buyers may select finishes after an executed purchase agreement and deposit. Brand New Construction | PRIME OCALA PARK ESTATES | No HOA Open concept layout is anchored by a well composed kitchen featuring modern cabinetry, quartz countertops, stainless steel appliances, and a generous island with seating. Luxury vinyl plank flooring and a calm neutral palette create a seamless flow throughout. The primary bath delivers a s

Key facts

• Quartz countertops
• Stone detailing
• Open concept layout

Tags

• BRAND NEW CONSTRUCTION
• STONE DETAILING
• OPEN CONCEPT LAYOUT
• WELL COMPOSED KITCHEN
• WHITE SHAKER CABINETRY
• QUARTZ COUNTERTOPS

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $240k. Condition is rated good.

Deal economics

• At list price, monthly cash flow is $-73 ($-873/yr) — negative.
• To cash-flow at today's rent, offer at most $229k (4.4% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $201k (16.4% below list).
• Recommended offer: $201k (16.4% below list) — sets the bar for 1% rule.
• Cap rate 5.9% vs local median 4.1% 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.
• Zoned schools: Fessenden Elementary School (math 37% / reading 37%, grade F, #1,609 of 2,144 statewide, top 77%, 417 students, 79% FRL); North Marion Middle School (math 35% / reading 34%, grade F, #421 of 571 statewide, top 74%, 803 students, 72% FRL); North Marion High School (math 20% / reading 32%, grade F, #494 of 667 statewide, top 75%, 1,303 students, 66% FRL).
• Market conditions: Rents rising fast (+11.1%/yr); 670 active listings in the ZIP; 6 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 37% 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 $2k of loan paydown is wiped out by about $7k 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 28 days — a 2% lower offer ($236k) is reasonable based on typical stale-listing flexibility.
• 2 sale attempts 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

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $200,738 (16.4% 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. 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: 0.84% ✗
• Cap rate: 5.93%
• Cash-on-cash: -1.30%
• DSCR: 0.94
• GRM: 10.0

CMA / ARV

• ARV (on-the-fly): $211,140
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5831 NW 58th Ter	0.05mi	3/2.0	1,144 (-2%)	13mo	$227,000	$198	83
5290 NW 61st Ln	0.52mi	3/2.0	1,118 (-5%)	2mo	$175,100	$157	66
5632 NW 57th St	0.16mi	3/2.0	1,331 (+14%)	8mo	$239,900	$180	63
5548 NW 63rd Pl	0.45mi	3/2.0	1,152 (-2%)	21mo	$190,000	$165	59
5931 NW 62nd Pl	0.39mi	3/2.0	1,014 (-14%)	1mo	$219,900	$217	58
6354 NW 61st Ln	0.60mi	3/2.0	1,232 (+5%)	10mo	$225,000	$183	55
5668 NW 57 St	0.14mi	3/2.0	1,331 (+14%)	20mo	$239,900	$180	55
5641 NW 55th Ave	0.30mi	3/2.0	1,008 (-14%)	10mo	$129,000	$128	54
5810 NW 59th Ave	0.12mi	3/1.5	1,008 (-14%)	19mo	$180,000	$179	53
5417 NW 63rd Pl	0.53mi	3/2.0	1,246 (+6%)	18mo	$225,000	$181	50
6422 NW 62nd Ave	0.71mi	3/2.0	1,232 (+5%)	10mo	$224,000	$182	50
6086 NW 53rd Street Rd	0.42mi	3/2.0	1,331 (+14%)	11mo	$239,900	$180	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 · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -13.0%
• Equity multiple: 0.51×
• Total profit: $-32,885
• Equity at exit: $35,785

10-year hold

• IRR: 2.4%
• Equity multiple: 1.21×
• Total profit: $13,804
• Equity at exit: $20,751

Cash invested: $67,200 (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 34482

• Rents YoY: 11.1%
• Active inventory: 670
• Price-to-rent: 10.0×

Monthly cashflow live

• Estimated rent: $2,007 high
• Mortgage (P&I): −$1,259
• Tax est. 1.5%: −$300 /mo · $3,600/yr
• Insurance: −$100
• HOA: −$0
• Vacancy / Maint / Mgmt: −$422
• Net cashflow: $-73

Break-even live

Break-even rent $2,099

Max offer price $229,472

Occupancy floor 99%

Sensitivity live

Price	-10% $93	-5% $10	+0% $-73	+5% $-156	+10% $-239
Rent	-10% $-231	-5% $-152	+0% $-73	+5% $7	+10% $86
Rate	-1.0pp $48	-0.5pp $-12	base $-73	+0.5pp $-135	+1.0pp $-198

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: $60,000
• Closing costs: $7,200
• Reserves months: —
• Total cash needed: —

Rent comps 6 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5532 NW 57th Pl Ocala, FL	2.0	2.0	962	$1,295	$1.35	15d	1	0.21mi
6175 NW 59th Ave Ocala, FL	3.0	2.0	1384	$1,745	$1.26	23d	1	0.30mi
5391 NW 55th Ct Ocala, FL	3.0	2.0	1332	$1,650	$1.24	23d	1	0.34mi
5907 NW 64th St Ocala, FL	4.0	2.0	1313	$1,699	$1.29	23d	1	0.51mi
6425 NW 62nd Ter Ocala, FL	3.0	2.0	1349	$3,000	$2.22	23d	1	0.67mi
6440 NW 66th Ct Ocala, FL	3.0	2.0	992	$1,695	$1.71	15d	1	1.02mi

Listing history 3 events

1. 2026-03-11
   status Pending
2. 2026-02-16
   status Active
3. 2026-02-03
   listed $240,000 Active

ⓘ 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 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 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 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,089
• − Mortgage interest: −$13,444
• − Property taxes: −$3,600
• − Insurance: −$1,200
• − Repairs & maintenance: −$1,927
• − Management: −$1,927
• − Depreciation: −$6,982
• Taxable loss: −$4,991
• Est. tax savings @ 24.0%: +$1,198
• After-tax cash flow: $325/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.

Condition & rehab AI · 2 photos

Good 80/100 Cosmetic rehab

The home is in good condition with a modern and well-designed layout. It has a good exterior and landscaping, and the interior is described as having modern finishes. The home is ready for a potential buyer and can be further enhanced with minor upgrades to increase its value.

Value-add opportunities

• Resale Modern kitchen appliances — Upgrading to modern stainless steel appliances can enhance the home's appeal and attract more buyers.
• Both Landscaping improvements — Enhancing the landscaping can improve the home's curb appeal and increase its rental value.
• Resale Painting interior walls — Painting interior walls can refresh the home's appearance and make it more appealing to potential buyers.
• Both Upgrading flooring — Upgrading to higher-end flooring can improve the home's appearance and increase its rental value.
• Both Upgrading HVAC system — Upgrading the HVAC system can improve the home's comfort and energy efficiency, which can increase its resale and rental value.
• Both Landscaping improvements — Enhancing the landscaping can improve the home's curb appeal and increase its rental value.

Renovation cost estimate screening

Value-add ROI direction

• Resale Modern kitchen appliances — Upgrading to modern stainless steel appliances can enhance the home's appeal and attract more buyers. ↑
• Both Landscaping improvements — Enhancing the landscaping can improve the home's curb appeal and increase its rental value. ↑
• Resale Painting interior walls — Painting interior walls can refresh the home's appearance and make it more appealing to potential buyers. ↑
• Both Upgrading flooring — Upgrading to higher-end flooring can improve the home's appearance and increase its rental value. ↑
• Both Upgrading HVAC system — Upgrading the HVAC system can improve the home's comfort and energy efficiency, which can increase its resale and rental value. ↑
• Both Landscaping improvements — Enhancing the landscaping can improve the home's curb appeal and increase its rental value. ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

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): 22,807
• Household income: $65,901
• Rent vs Own: 16.7% rent · 83.3% own
• Severe rent burden: 282.0

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: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 12%
• Hispanic origin (detail): Mexican 6% Puerto Rican 9% Cuban 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 10% · Canada
• Languages at home: 81% English-only · Spanish 16% 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: ▼ -133.62%
• Current HPI: 194.3857
• Rent YoY: ▲ 11.12%
• 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

3 events — show timeline

• 2026-03-11 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-02-16 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-03 Listed $240,000 Stellar MLS as Distributed by MLS Grid