Allex Plan · Liberty Triangle, FL 34476

$265,990

3 bd · 2.0 ba · 1,504 sqft · SingleFamily · 1103 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).

• ARV discount +7.5/15.0
• Cash flow +7.3/30.0
• Condition / age +4.8/5.0
• Schools +4.7/10.0
• Livability +2.5/5.0
• 1% rule +2.1/10.0
• Rent growth +1.9/5.0
• DSCR +1.5/10.0
• 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 1102 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 — $302,053.

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 $-397 ($-5k/yr) — negative.
• To cash-flow at today's rent, offer at most $245k (8.0% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $214k (19.5% below list).
• Recommended offer: $214k (19.5% 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); 1321 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 51d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 68% 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 1103 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 $213,992 (19.5% 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 1103 days. Have you received any prior offers? Is the seller open to a 20% 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: 0.71% ✗
• Cap rate: 4.72%
• Cash-on-cash: -5.63%
• DSCR: 0.75
• GRM: 11.8

CMA / ARV

• ARV (median comp): $302,053
• List price: $265,990
• Delta: -11.94%
• 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
4223 SW 82nd Ln	0.40mi	3/2.0	1,484 (-1%)	1mo	$274,000	$185	78
8866 SW 46th Ave	0.13mi	3/2.0	1,672 (+11%)	0mo	$274,990	$164	75
8942 SW 46th Ave	0.16mi	3/2.0	1,672 (+11%)	0mo	$281,990	$169	74
8887 SW 46th Ave	0.16mi	3/2.0	1,672 (+11%)	1mo	$277,990	$166	73
8425 SW 41st Cir	0.52mi	3/2.0	1,487 (-1%)	1mo	$225,000	$151	73
8906 SW 46th Ave	0.16mi	3/2.0	1,672 (+11%)	1mo	$289,000	$173	73
8115 SW 45th Ct	0.52mi	3/2.0	1,429 (-5%)	1mo	$222,000	$155	66
4631 SW 88th Pl	0.30mi	3/2.0	1,672 (+11%)	3mo	$287,990	$172	65
8139 SW 45th Ct	0.52mi	3/2.0	1,429 (-5%)	3mo	$250,000	$175	65
4445 SW 80th Ln	0.68mi	3/2.0	1,429 (-5%)	1mo	$245,000	$171	59
4513 SW 91st Lane Rd	0.44mi	4/2.0 (+1)	1,635 (+9%)	3mo	$280,350	$171	58
4471 SW 82nd Loop	0.46mi	3/2.0	1,696 (+13%)	3mo	$316,000	$186	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: -29.3%
• Equity multiple: 0.05×
• Total profit: $-80,462
• Equity at exit: $45,037

10-year hold

• IRR: -48.0%
• Equity multiple: -0.50×
• Total profit: $-126,718
• Equity at exit: $26,116

Cash invested: $84,575 (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 →

Balanced market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

• For sale now: 56 active · 82 under contract
• Months of supply: 4.9 mo (21%/mo absorbed)
• Median asking: $290,040 ($175/sqft)
• Median days on market: 66 d
• This list price: 27% of active listings are priced below it
• ARV vs active asking: +14.6% 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: 1321
• Price-to-rent: 10.4×

Monthly cashflow live

• Estimated rent: $2,140 high
• Mortgage (P&I): −$1,584
• Tax est. 1.5%: −$378 /mo · $4,531/yr
• Insurance: −$126
• HOA: −$0
• Vacancy / Maint / Mgmt: −$449
• Net cashflow: $-397

Break-even live

Break-even rent $2,642

Max offer price $244,624

Occupancy floor —

Sensitivity live

Price	-10% $-188	-5% $-293	+0% $-397	+5% $-501	+10% $-606
Rent	-10% $-566	-5% $-481	+0% $-397	+5% $-312	+10% $-228
Rate	-1.0pp $-245	-0.5pp $-320	base $-397	+0.5pp $-475	+1.0pp $-555

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: $75,513
• Closing costs: $9,062
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 40 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
8695 SW 46th Ave Ocala, FL	3.0	2.0	1504	$2,050	$1.36	10d	1	0.06mi
8650 SW 46th Ave Ocala, FL	3.0	2.0	1504	$2,000	$1.33	10d	1	0.09mi
8609 SW 46th Ter Ocala, FL	3.0	2.0	1670	$2,400	$1.44	154d	1	0.11mi
4682 SW 88th Ln Ocala, FL	4.0	2.0	1827	$2,100	$1.15	51d	1	0.16mi
8710 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,995	$1.37	10d	1	0.16mi
8710 SW 44th Ct Ocala, FL	3.0	2.0	1453	$2,121	$1.46	2d	1	0.16mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	162d	1	0.16mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	154d	1	0.16mi
4697 SW 89th St Ocala, FL	4.0	2.0	1848	$2,150	$1.16	154d	1	0.19mi
4828 SW 86th Ln Ocala, FL	3.0	2.0	1672	$1,950	$1.17	162d	1	0.19mi
8619 SW 44th Ter Ocala, FL	3.0	2.0	1504	$1,800	$1.20	0d	1	0.19mi
8691 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,945	$1.34	2d	1	0.20mi
8691 SW 44th Ct Ocala, FL	3.0	2.0	1453	$2,172	$1.49	31d	1	0.20mi
8665 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	162d	1	0.20mi
4762 SW 88th Ln Ocala, FL	4.0	2.0	1827	$1,900	$1.04	10d	1	0.21mi
4703 SW 85th Pl Ocala, FL	4.0	2.0	1828	$2,500	$1.37	154d	1	0.21mi
4770 SW 88th Ln Ocala, FL	4.0	2.0	1827	$2,250	$1.23	51d	1	0.21mi
4735 SW 85th Pl Ocala, FL	4.0	2.0	1827	$1,990	$1.09	36d	1	0.22mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	154d	1	0.22mi
8590 SW 44th Ct Ocala, FL	3.0	2.0	1453	$1,895	$1.30	154d	1	0.22mi
8597 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,371	$1.09	9d	1	0.24mi
8597 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,175	$1.00	2d	1	0.24mi
4713 SW 83rd Loop Ocala, FL	4.0	3.0	1958	$2,250	$1.15	51d	1	0.24mi
8585 SW 44th Ct Ocala, FL	3.0	2.0	1453	$2,045	$1.41	51d	1	0.25mi
8585 SW 44th Ct Ocala, FL	3.0	2.0	1453	$2,172	$1.49	37d	1	0.25mi
8579 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,145	$0.99	36d	1	0.26mi
8579 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,272	$1.04	48d	1	0.26mi
4757 SW 83rd Loop Ocala, FL	4.0	2.0	1821	$1,999	$1.10	48d	1	0.26mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	154d	1	0.26mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	154d	1	0.26mi
4383 SW 85th Ln Ocala, FL	3.0	2.0	1453	$2,045	$1.41	51d	1	0.29mi
4631 SW 88 Pl Ocala, FL	3.0	2.0	1672	$1,950	$1.17	10d	1	0.32mi
4643 SW 84th Street Rd Ocala, FL	3.0	2.0	1663	$1,925	$1.16	154d	1	0.32mi
9109 SW 45th Ter Ocala, FL	4.0	2.0	1828	$2,150	$1.18	154d	1	0.39mi
4513 SW 91st Lane Rd Ocala, FL	4.0	2.0	1635	$2,300	$1.41	51d	1	0.43mi
8697 SW 49th Cir Ocala, FL	4.0	2.0	1483	$1,850	$1.25	10d	1	0.43mi
4957 SW 83rd Pl Ocala, FL	3.0	2.5	1339	$1,650	$1.23	51d	1	0.43mi
4967 SW 83rd Pl Ocala, FL	3.0	2.5	1339	$1,650	$1.23	10d	1	0.44mi
8940 SW 50th Ter Ocala, FL	4.0	2.0	1827	$2,195	$1.20	162d	1	0.47mi
8856 SW 49th Cir Ocala, FL	4.0	2.0	1827	$1,900	$1.04	10d	1	0.48mi

Listing history 50 events

1. 2026-11-08
   days on market $265,990 Active 1103 DOM
2. 2026-11-07
   days on market $265,990 Active 1102 DOM
3. 2026-11-06
   days on market $265,990 Active 1101 DOM
4. 2026-11-05
   days on market $265,990 Active 1100 DOM
5. 2026-11-04
   days on market $265,990 Active 1099 DOM
6. 2026-11-02
   days on market $265,990 Active 1097 DOM
7. 2026-11-01
   days on market $265,990 Active 1096 DOM
8. 2026-10-31
   days on market $265,990 Active 1095 DOM
9. 2026-10-30
   days on market $265,990 Active 1094 DOM
10. 2026-10-29
    days on market $265,990 Active 1093 DOM
11. 2026-10-28
    days on market $265,990 Active 1092 DOM
12. 2026-10-27
    days on market $265,990 Active 1091 DOM
13. 2026-10-26
    days on market $265,990 Active 1090 DOM
14. 2026-10-25
    days on market $265,990 Active 1089 DOM
15. 2026-10-24
    days on market $265,990 Active 1088 DOM
16. 2026-10-23
    days on market $265,990 Active 1087 DOM
17. 2026-10-22
    days on market $265,990 Active 1086 DOM
18. 2026-10-21
    days on market $265,990 Active 1085 DOM
19. 2026-10-20
    days on market $265,990 Active 1084 DOM
20. 2026-10-19
    days on market $265,990 Active 1083 DOM
21. 2026-10-19
    days on market $265,990 Active 1082 DOM
22. 2026-10-17
    days on market $265,990 Active 1081 DOM
23. 2026-10-16
    days on market $265,990 Active 1080 DOM
24. 2026-10-15
    days on market $265,990 Active 1079 DOM
25. 2026-10-14
    days on market $265,990 Active 1078 DOM
26. 2026-10-13
    days on market $265,990 Active 1077 DOM
27. 2026-10-12
    days on market $265,990 Active 1076 DOM
28. 2026-10-11
    days on market $265,990 Active 1075 DOM
29. 2026-10-10
    days on market $265,990 Active 1074 DOM
30. 2026-10-09
    days on market $265,990 Active 1073 DOM
31. 2026-10-08
    days on market $265,990 Active 1072 DOM
32. 2026-10-07
    days on market $265,990 Active 1071 DOM
33. 2026-10-07
    days on market $265,990 Active 1070 DOM
34. 2026-10-05
    days on market $265,990 Active 1069 DOM
35. 2026-10-04
    days on market $265,990 Active 1068 DOM
36. 2026-10-03
    days on market $265,990 Active 1067 DOM
37. 2026-10-02
    days on market $265,990 Active 1066 DOM
38. 2026-10-01
    days on market $265,990 Active 1065 DOM
39. 2026-09-30
    days on market $265,990 Active 1064 DOM
40. 2026-09-27
    days on market $265,990 Active 1061 DOM
41. 2026-09-26
    days on market $265,990 Active 1060 DOM
42. 2026-09-25
    days on market $265,990 Active 1059 DOM
43. 2026-09-24
    days on market $265,990 Active 1058 DOM
44. 2026-09-24
    days on market $265,990 Active 1057 DOM
45. 2026-09-21
    days on market $265,990 Active 1055 DOM
46. 2026-09-20
    days on market $265,990 Active 1054 DOM
47. 2026-09-18
    days on market $265,990 Active 1052 DOM
48. 2026-09-17
    days on market $265,990 Active 1051 DOM
49. 2026-09-16
    days on market $265,990 Active 1050 DOM
50. 2026-09-15
    days on market $265,990 Active 1049 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: $25,679
• − Mortgage interest: −$16,920
• − Property taxes: −$4,531
• − Insurance: −$1,510
• − Repairs & maintenance: −$2,054
• − Management: −$2,054
• − Depreciation: −$8,787
• Taxable loss: −$10,177
• Est. tax savings @ 24.0%: +$2,443
• After-tax cash flow: $-2,320/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%
• 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