Allex Plan · Liberty Triangle, FL 34476

$265,990

3 bd · 2.0 ba · 1,504 sqft · SingleFamily · 1011 Days on market

Excellent condition ↓ 10% since listing

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Why this score? — see what drove the F 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 +7.5/30.0
• ARV discount +7.5/15.0
• Condition / age +4.8/5.0
• Schools +4.7/10.0
• Livability +2.5/5.0
• 1% rule +2.2/10.0
• Rent growth +1.9/5.0
• DSCR +1.6/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Experience a harmonious blend of comfort and functionality in our Allex floorplan featured in Ocala Crossings South in Ocala, Florida. This one-story home is meticulously designed to optimize living space through an open-concept layout. The kitchen is equipped for both efficiency and style with stainless-steel appliances, including a range, built-in dishwasher, and microwave. The primary bedroom features an ensuite bathroom with a double vanity sink, quartz countertops, and walk-in closet. Each bedroom has carpeted floors along with a closet that are versatile to fit your family's needs, whether they become bedrooms or home offices. This single-story haven ensures convenience and accessibility, providing a perfect balance of open space and purposeful design for a truly enjoyable living experience. Like all homes in Ocala Crossings South, the Allex is complete with a state-of-the-art smart home system that keeps you connected to your home at all times, whether you're 5-minutes or a plane ride away. Contact us today and find your new home in Ocala Crossings South.

Key facts

• 2 garage spots
• Listed 1010 days

🏗️ New construction. The $265,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $301,551.

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $266k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-377 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $247k (7.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $216k (18.8% below list).
• Recommended offer: $216k (18.8% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade F — 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); Liberty Middle School (math 40% / reading 41%, grade F, #360 of 571 statewide, top 64%, 1,365 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); 1071 active listings in the ZIP; 30 comparable units currently listed for rent nearby; rentals lingering (median 63d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 100% of comp listings sitting > 30 days — soft ceiling on asking rent; 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 39% 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 $9k 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 1011 days — a 12% lower offer ($234k) is reasonable based on typical stale-listing flexibility.

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 $216,067 (18.8% 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 1011 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 0.72% ✗
• Cap rate: 4.79%
• Cash-on-cash: -5.36%
• DSCR: 0.76
• GRM: 11.6

CMA / ARV

• ARV (median comp): $301,551
• List price: $265,990
• 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
8092 SW 44th Ter	0.21mi	3/2.0	1,429 (-5%)	0mo	$240,000	$168	82
4255 SW 82nd Ln	0.40mi	3/2.0	1,487 (-1%)	2mo	$272,900	$184	77
8925 SW 46th Ter	0.21mi	3/2.0	1,672 (+11%)	2mo	$272,990	$163	70
8810 SW 48th Ave	0.19mi	3/2.0	1,672 (+11%)	3mo	$269,990	$161	70
4696 SW 89th St	0.21mi	3/2.0	1,672 (+11%)	3mo	$296,990	$178	69
8339 SW 41st Ter	0.60mi	3/2.0	1,487 (-1%)	1mo	$290,140	$195	69
4597 SW 88th Pl	0.30mi	3/2.0	1,672 (+11%)	1mo	$289,990	$173	66
4978 SW 91st St	0.49mi	3/2.0	1,626 (+8%)	0mo	$280,000	$172	63
4513 SW 91st Lane Rd	0.44mi	4/2.0 (+1)	1,635 (+9%)	0mo	$280,350	$171	60
4471 SW 82nd Loop	0.46mi	3/2.0	1,696 (+13%)	0mo	$316,000	$186	57
4752 SW 89th St	0.54mi	3/2.0	1,672 (+11%)	3mo	$275,990	$165	54
4776 SW 89th St	0.54mi	3/2.0	1,672 (+11%)	3mo	$282,000	$169	54

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: -28.8%
• Equity multiple: 0.06×
• Total profit: $-79,176
• Equity at exit: $44,962

10-year hold

• IRR: -46.2%
• Equity multiple: -0.47×
• Total profit: $-124,204
• Equity at exit: $26,073

Cash invested: $84,434 (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 →

Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 61 active · 45 under contract
• Months of supply: 6.7 mo (15%/mo absorbed)
• Median asking: $280,640 ($176/sqft)
• Median days on market: 64 d
• This list price: 33% of active listings are priced below it
• ARV vs active asking: +14.1% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 34476

• Rents YoY: -2.6%
• Active inventory: 1071
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,161 high
• Mortgage (P&I): −$1,581
• Tax est. 1.5%: −$377 /mo · $4,523/yr
• Insurance: −$126
• HOA: −$0
• Vacancy / Maint / Mgmt: −$454
• Net cashflow: $-377

Break-even live

Break-even rent $2,638

Max offer price $246,995

Occupancy floor —

Sensitivity live

Price	-10% $-169	-5% $-273	+0% $-377	+5% $-481	+10% $-585
Rent	-10% $-548	-5% $-462	+0% $-377	+5% $-292	+10% $-206
Rate	-1.0pp $-225	-0.5pp $-300	base $-377	+0.5pp $-455	+1.0pp $-535

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: $75,388
• Closing costs: $9,047
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 30 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8609 SW 46th Ter Ocala, FL	3.0	2.0	1670	$2,400	$1.44	63d	1	0.11mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	70d	1	0.16mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	63d	1	0.16mi
4697 SW 89th St Ocala, FL	4.0	2.0	1848	$2,150	$1.16	63d	1	0.19mi
4828 SW 86th Ln Ocala, FL	3.0	2.0	1672	$1,950	$1.17	70d	1	0.19mi
8665 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	70d	1	0.20mi
4703 SW 85th Pl Ocala, FL	4.0	2.0	1828	$2,500	$1.37	63d	1	0.21mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	63d	1	0.22mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	63d	1	0.22mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	62d	1	0.26mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	63d	1	0.26mi
4643 SW 84th Street Rd Ocala, FL	3.0	2.0	1663	$1,925	$1.16	63d	1	0.32mi
9109 SW 45th Ter Ocala, FL	4.0	2.0	1828	$2,150	$1.18	63d	1	0.39mi
8940 SW 50th Ter Ocala, FL	4.0	2.0	1827	$2,195	$1.20	70d	1	0.47mi
8780 SW 49th Cir Ocala, FL	3.0	2.0	1672	$1,900	$1.14	70d	1	0.49mi
8792 SW 49th Cir Ocala, FL	4.0	2.0	1498	$1,850	$1.23	70d	1	0.50mi
4939 SW 81st Loop Ocala, FL	3.0	2.5	1828	$1,750	$0.96	63d	1	0.53mi
4915 SW 81st St Ocala, FL	3.0	2.5	1707	$1,795	$1.05	63d	1	0.55mi
7177 SW 92nd St Ocala, FL	3.0	2.5	1410	$1,850	$1.31	70d	1	0.56mi
8320 SW 41st Ter Ocala, FL	3.0	2.0	1841	$2,300	$1.25	63d	1	0.58mi
4780 SW 95th Ln Ocala, FL	4.0	3.0	2002	$2,395	$1.20	63d	1	0.89mi
5637 SW 93rd St Ocala, FL	4.0	3.0	2039	$2,600	$1.28	63d	1	1.09mi
4296 SW 98th St Ocala, FL	3.0	2.0	1607	$1,700	$1.06	70d	1	1.09mi
4937 SW 98th Pl Ocala, FL	4.0	2.0	1838	$2,400	$1.31	63d	1	1.15mi
13110 SW 89th St Ocala, FL	4.0	2.5	1824	$1,950	$1.07	70d	1	1.22mi
9324 SW 58th Cir Ocala, FL	3.0	2.0	2141	$2,500	$1.17	70d	1	1.23mi
4725 SW 100th St Ocala, FL	3.0	2.0	2000	$1,800	$0.90	70d	1	1.27mi
9975 SW 39th Ter Ocala, FL	4.0	2.0	1873	$2,295	$1.23	63d	1	1.37mi
7194 SW 91st Ln Ocala, FL	4.0	2.5	1571	$1,950	$1.24	70d	1	1.42mi
9198 SW 62nd Terrace Rd Ocala, FL	3.0	2.0	1710	$1,850	$1.08	63d	1	1.50mi

Listing history 50 events

1. 2026-08-08
   days on market $265,990 Active 1011 DOM
2. 2026-08-07
   days on market $265,990 Active 1010 DOM
3. 2026-08-06
   days on market $265,990 Active 1009 DOM
4. 2026-08-05
   pricedays on market $265,990 Active 1008 DOM
5. 2026-08-03
   days on market $263,990 Active 1006 DOM
6. 2026-07-31
   days on market $263,990 Active 1003 DOM
7. 2026-07-30
   days on market $263,990 Active 1002 DOM
8. 2026-07-29
   days on market $263,990 Active 1001 DOM
9. 2026-07-27
   days on market $263,990 Active 999 DOM
10. 2026-07-25
    days on market $263,990 Active 997 DOM
11. 2026-07-23
    days on market $263,990 Active 995 DOM
12. 2026-07-22
    days on market $263,990 Active 994 DOM
13. 2026-07-21
    days on market $263,990 Active 993 DOM
14. 2026-07-18
    days on market $263,990 Active 990 DOM
15. 2026-07-16
    days on market $263,990 Active 988 DOM
16. 2026-07-16
    days on market $263,990 Active 987 DOM
17. 2026-07-14
    days on market $263,990 Active 986 DOM
18. 2026-07-13
    days on market $263,990 Active 985 DOM
19. 2026-07-12
    days on market $263,990 Active 984 DOM
20. 2026-07-11
    days on market $263,990 Active 983 DOM
21. 2026-07-10
    days on market $263,990 Active 982 DOM
22. 2026-07-10
    days on market $263,990 Active 981 DOM
23. 2026-07-08
    days on market $263,990 Active 980 DOM
24. 2026-07-07
    days on market $263,990 Active 979 DOM
25. 2026-07-06
    days on market $263,990 Active 978 DOM
26. 2026-07-05
    days on market $263,990 Active 977 DOM
27. 2026-07-04
    days on market $263,990 Active 976 DOM
28. 2026-07-03
    days on market $263,990 Active 975 DOM
29. 2026-07-02
    days on market $263,990 Active 974 DOM
30. 2026-07-01
    days on market $263,990 Active 973 DOM
31. 2026-06-30
    days on market $263,990 Active 972 DOM
32. 2026-06-29
    days on market $263,990 Active 971 DOM
33. 2026-06-28
    days on market $263,990 Active 970 DOM
34. 2026-06-28
    days on market $263,990 Active 969 DOM
35. 2026-06-27
    days on market $263,990 Active 968 DOM
36. 2026-06-25
    days on market $263,990 Active 966 DOM
37. 2026-06-23
    days on market $263,990 Active 964 DOM
38. 2026-06-22
    days on market $263,990 Active 963 DOM
39. 2026-06-18
    days on market $263,990 Active 960 DOM
40. 2026-06-17
    days on market $263,990 Active 959 DOM
41. 2026-06-16
    days on market $263,990 Active 958 DOM
42. 2026-06-15
    days on market $263,990 Active 957 DOM
43. 2026-06-14
    days on market $263,990 Active 955 DOM
44. 2026-06-13
    days on market $263,990 Active 954 DOM
45. 2026-06-10
    days on market $263,990 Active 952 DOM
46. 2026-06-09
    days on market $263,990 Active 951 DOM
47. 2026-06-08
    days on market $263,990 Active 950 DOM
48. 2026-06-07
    days on market $263,990 Active 949 DOM
49. 2026-06-03
    days on market $263,990 Active 945 DOM
50. 2026-06-02
    days on market $263,990 Active 944 DOM

ⓘ 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 9/10 Extreme 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 10/10 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: $25,928
• − Mortgage interest: −$16,892
• − Property taxes: −$4,523
• − Insurance: −$1,508
• − Repairs & maintenance: −$2,074
• − Management: −$2,074
• − Depreciation: −$8,772
• Taxable loss: −$9,915
• Est. tax savings @ 24.0%: +$2,380
• After-tax cash flow: $-2,145/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 · 12 photos

Excellent 95/100 None rehab

This single-family home in Liberty Triangle, FL, is in excellent condition with modern amenities and a well-maintained exterior. It offers a great opportunity for a potential buyer or investor looking for a move-in-ready property.

Value-add opportunities

• Both Painting exterior and interior walls — Enhances curb appeal and interior aesthetics ↑
• Both Landscaping improvements — Enhances curb appeal and adds value ↑
• Both Replace window treatments — Modernizes look and improves energy efficiency ↑

F Composite school gradezoned avg 46/100

Zoned Schools

Elementary Hammett Bowen Jr. Elementary School C+ FL #832/2,144 Nat'l #9,382/41,679 Middle Liberty Middle School F FL #360/571 Nat'l #5,872/14,009 High West Port High School F FL #255/667 Nat'l #7,439/17,239

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 · 365,905 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: 10% of renters

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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%

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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%

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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

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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

-10.2% since first listed

18 events — show timeline

• 2026-02-10 Price Changed $263,990 Zillow
• 2025-10-14 Price Changed $261,990 Zillow
• 2025-09-30 Price Changed $260,990 Zillow
• 2025-07-15 Price Changed $270,990 Zillow
• 2025-06-12 Price Changed $267,990 Zillow
• 2025-02-19 Price Changed $272,990 Zillow
• 2024-10-30 Price Changed $282,990 Zillow
• 2024-06-26 Price Changed $292,990 Zillow
• 2024-05-14 Price Changed $289,990 Zillow
• 2024-04-24 Price Changed $285,990 Zillow
• 2024-02-20 Price Changed $283,990 Zillow
• 2024-02-06 Price Changed $281,990 Zillow
• 2024-01-31 Price Changed $280,990 Zillow
• 2024-01-16 Price Changed $277,990 Zillow
• 2023-11-28 Price Changed $276,990 Zillow
• 2023-11-22 Price Changed $275,990 Zillow
• 2023-11-07 Price Changed $273,990 Zillow
• 2023-11-01 Listed $293,990 Zillow