14346 SW 39th Ter · Marion Oaks, FL 34473

$149,000

3 bd · 2.0 ba · 1,232 sqft · SingleFamily public records · 7 Days on market

Built 1977 0.37 ac lot Est $192k · 22% 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 +21.4/30.0
• ARV discount +15.0/15.0
• 1% rule +7.0/10.0
• DSCR +6.8/10.0
• 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 MLS

Enjoy the hot summer days with this beautiful pool home. It features 3 Bedrooms, 2 Baths, 1 Car garage, large fenced back yard, utility room and Florida room. Additionally, it has laminate floors and carpet in the rooms. Includes all stainless steel appliances,

Key facts

• In-ground pool
• 0.37 acre lot
• Garage

Tags

• IN-GROUND POOL

Property features AI

Finance

• Other: Lot approximately 0.37 acres (105 x 155, paved road); Unfurnished; Pets allowed

Exterior

• Parking: Attached garage with 1 parking space
• Utilities: Public water; Public sewer; Cable available; Electricity available
• Home design: Single family residence; One story; Faces southwest; Residential zoning (R1)
• Construction: Concrete and stucco construction; Shingle roof; Slab foundation; Built on one level
• Exterior features: Chain link fencing; In-ground private pool

Interior

• Kitchen: No appliances included
• Bedrooms: 3 bedrooms
• Flooring: Carpet; Linoleum
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Thermostat
• Laundry & utility: Laundry located in garage

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $149k.

Deal economics

• At list price, monthly cash flow is $220 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $149k).
• Cap rate 8.1% 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 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.
• Market conditions: Rents soft (-0.7%/yr); 1355 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals at typical pace (median 14d 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 $4k 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

• Only 7 days on market — expect competitive offers; lowballing is unlikely to land.
• 8 sale attempts since 19y 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.

Risks & watch-outs

• Watch-outs: property tax is 2.8% of price.
• 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 $149,000

Questions for the listing agent

1. Built in 1977 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
2. Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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.
5. 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.
6. 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: 1.20% ✓
• Cap rate: 8.06%
• Cash-on-cash: 6.32%
• DSCR: 1.28
• GRM: 7.0

CMA / ARV

• ARV (on-the-fly): $192,192
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
14545 SW 34th Terrace Rd	0.51mi	3/2.0	1,285 (+4%)	11mo	$178,000	$139	60
3573 SW 147th Lane Rd	0.50mi	3/2.0	1,328 (+8%)	7mo	$179,900	$135	58
3530 SW 147th Lane Road Rd	0.58mi	3/1.5	1,184 (-4%)	8mo	$129,000	$109	58
173 Marion Oaks Ln	0.44mi	2/2.0 (-1)	1,289 (+5%)	15mo	$159,000	$123	55
14526 SW 43rd Court Rd	0.27mi	3/2.0	1,344 (+9%)	21mo	$209,000	$156	54
14540 SW 35th Terrace Rd	0.32mi	3/2.0	1,104 (-10%)	18mo	$199,000	$180	53
14530 SW 35th Terrace Rd	0.32mi	2/2.0 (-1)	1,325 (+8%)	18mo	$199,000	$150	52
14556 SW 45th Cir	0.36mi	3/2.0	1,378 (+12%)	14mo	$238,900	$173	52
4756 SW 143rd Loop	0.62mi	3/2.0	1,228 (-0%)	23mo	$276,000	$225	51
14256 SW 43rd Court Rd	0.09mi	2/2.0 (-1)	1,387 (+13%)	24mo	$247,000	$178	50
223 Marion Oaks Ln	0.55mi	2/2.0 (-1)	1,121 (-9%)	9mo	$130,000	$116	47
15011 SW 37th Ter	0.74mi	2/2.0 (-1)	1,240 (+1%)	18mo	$210,000	$169	44

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: -10.4%
• Equity multiple: 0.63×
• Total profit: $-15,262
• Equity at exit: $22,216

10-year hold

• IRR: -6.6%
• Equity multiple: 0.64×
• Total profit: $-14,989
• Equity at exit: $12,883

Cash invested: $41,720 (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: 7.0×

Monthly cashflow live

• Estimated rent: $1,786 high
• Mortgage (P&I): −$781
• Tax from tax record: −$348 /mo · $4,173/yr
• Insurance: −$62
• HOA: −$0
• Vacancy / Maint / Mgmt: −$375
• Net cashflow: $220

Break-even live

Break-even rent $1,508

Max offer price $149,000

Occupancy floor 83%

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: $37,250
• Closing costs: $4,470
• Reserves months: —
• Total cash needed: —

Rent comps 23 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4309 SW 143rd Lane Rd Ocala, FL	3.0	2.0	1238	$1,799	$1.45	14d	1	0.22mi
14525 SW 42nd Terrace Rd Ocala, FL	3.0	2.0	1344	$1,850	$1.38	14d	1	0.29mi
14430 SW 34th Terrace Rd Ocala, FL	2.0	2.0	1025	$1,350	$1.32	14d	1	0.30mi
14193 SW 44th Ct Ocala, FL	3.0	2.0	1449	$1,599	$1.10	14d	1	0.41mi
4004 SW 138th Pl Ocala, FL	3.0	2.0	1348	$1,695	$1.26	21d	1	0.52mi
14614 SW 46th Ct Ocala, FL	3.0	2.0	1200	$1,800	$1.50	21d	1	0.62mi
251 Marion Oaks Crse Ocala, FL	3.0	2.0	1373	$1,795	$1.31	21d	1	0.62mi
14856 SW 35th Cir Ocala, FL	2.0	2.0	1036	$1,450	$1.40	14d	1	0.66mi
13731 SW 40th Cir Ocala, FL	3.0	2.0	1463	$1,695	$1.16	14d	1	0.69mi
13805 SW 43rd Cir Ocala, FL	4.0	2.0	1494	$1,800	$1.20	21d	1	0.70mi
3313 SW 147th St Ocala, FL	2.0	2.0	1121	$1,400	$1.25	21d	1	0.76mi
3567 SW 151st St Ocala, FL	2.0	2.0	1126	$1,450	$1.29	21d	1	0.84mi
14965 SW 48th Ave Ocala, FL	4.0	2.0	1342	$1,700	$1.27	14d	1	0.93mi
15018 SW 48th Ave Ocala, FL	3.0	2.0	1413	$1,625	$1.15	14d	1	0.97mi
15095 SW 51st Ter Ocala, FL	3.0	2.0	1196	$1,500	$1.25	14d	1	1.23mi
3011 SW 140th Loop Ocala, FL	3.0	2.0	1335	$1,695	$1.27	21d	1	1.24mi
2730 SW 145th Place Rd Ocala, FL	3.0	2.0	1373	$1,725	$1.26	21d	1	1.25mi
2632 SW 145th Place Rd Ocala, FL	3.0	2.0	1488	$1,675	$1.13	14d	1	1.33mi
2598 SW 147th Pl Ocala, FL	3.0	2.0	1442	$1,750	$1.21	14d	1	1.40mi
15729 SW 34th Court Rd Ocala, FL	2.0	2.0	984	$1,400	$1.42	14d	1	1.41mi
3971 SW 130th Loop Ocala, FL	4.0	2.0	1485	$2,000	$1.35	14d	1	1.42mi
15739 SW 34th Court Rd Ocala, FL	2.0	2.0	984	$1,400	$1.42	14d	1	1.42mi
15434 SW 29th Terrace Rd Ocala, FL	3.0	2.0	1399	$1,780	$1.27	14d	1	1.50mi

Listing history 7 events

1. 2026-06-18
   statusdays on market $149,000 Pending 7 DOM
2. 2026-06-17
   days on market $149,000 Active 6 DOM
3. 2026-06-16
   days on market $149,000 Active 5 DOM
4. 2026-06-15
   days on market $149,000 Active 4 DOM
5. 2026-06-14
   days on market $149,000 Active 2 DOM
6. 2026-06-13
   remarks 151-char remark
7. 2026-06-13
   listed $149,000 Active 1 DOM

ⓘ 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: $4,173 · $348/mo
• Projected year-2 tax: $4,173 · $348/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: $21,431
• − Mortgage interest: −$8,346
• − Property taxes: −$4,173
• − Insurance: −$745
• − Repairs & maintenance: −$1,714
• − Management: −$1,714
• − Depreciation: −$4,335
• Taxable income: $403
• Est. tax owed @ 24.0%: −$97
• After-tax cash flow: $2,539/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

+181.7% since first listed

18 events — show timeline

• 2026-06-11 Listed $149,000 Stellar MLS as Distributed by MLS Grid
• 2025-04-01 Listed $214,900 Stellar MLS as Distributed by MLS Grid
• 2019-11-25 Sold (Public Records) $147,900 Public Records
• 2019-11-22 Sold (MLS) $147,900 Stellar MLS as Distributed by MLS Grid
• 2019-07-12 Listed $145,900 Stellar MLS as Distributed by MLS Grid
• 2018-10-22 Sold (Public Records) $128,000 Public Records
• 2018-10-16 Sold (MLS) $128,000 Stellar MLS as Distributed by MLS Grid
• 2018-08-13 Listed $139,900 Stellar MLS as Distributed by MLS Grid
• 2018-05-25 Sold (MLS) $56,000 Stellar MLS as Distributed by MLS Grid
• 2018-05-09 Listed $56,000 Stellar MLS as Distributed by MLS Grid
• 2011-05-11 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-08-25 Listed $62,900 Stellar MLS as Distributed by MLS Grid
• 2010-06-30 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2010-01-18 Listed $68,000 Stellar MLS as Distributed by MLS Grid
• 2007-12-31 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-06-09 Listed $168,000 Stellar MLS as Distributed by MLS Grid
• 1985-12-01 Sold (Public Records) $51,500 Public Records
• 1983-03-01 Sold (Public Records) $52,900 Public Records

Property tax history

+20.3%/yr

Latest (2025): $4,173 · +18.5% YoY. Source: county tax records.