9197 SW 47th Ct · Liberty Triangle, FL 34476

$323,990

5 bd · 3.0 ba · 2,447 sqft · SingleFamily · 49 Days on market

Built 2026 Excellent condition 4,600 sqft lot 2-car garage $110/mo HOA · 4% of rent ↓ 2% 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 +5.6/30.0
• Condition / age +5.0/5.0
• Schools +4.7/10.0
• Livability +2.5/5.0
• Rent growth +1.9/5.0
• 1% rule +1.5/10.0
• DSCR +0.1/10.0
• Appreciation +0.0/10.0

Listing remarks

Virtually Staged. Under Construction. Welcome to the epitome of modern living in this two-story, 5-bedroom home with an open-concept downstairs. The ground floor seamlessly integrates the living, dining, and kitchen areas creating a spacious and inviting atmosphere. The primary bedroom is located upstairs, with an ensuite bathroom and walk-in closets. The kitchen is well-equipped with a stainless-steel range, microwave, built-in dishwashe. The laundry room has a washer and dryer hook up. This home offers a perfect blend of shared living spaces and private retreats. Welcome home to a perfect synthesis of style and practicality.

Key facts

• 4,600 sq ft lot
• 2 garage spots
• Built 2026

🏗️ New construction. The $323,990 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $388,049.

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $324k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-803 ($-10k/yr) — negative.
• To cash-flow at today's rent, offer at most $272k (16.1% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $252k (22.3% below list).
• Recommended offer: $252k (22.3% 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; 18 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).
• At $2,517/mo this rent would consume 46% of the median local household income ($66k/yr) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $12k 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 49 days — a 3% lower offer ($314k) is reasonable based on typical stale-listing flexibility.

Recommended offer $251,687 (22.3% 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 49 days. Have you received any prior offers? Is the seller open to a 22% 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. 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: 0.65% ✗
• Cap rate: 3.81%
• Cash-on-cash: -8.87%
• DSCR: 0.61
• GRM: 12.8

CMA / ARV

• ARV (median comp): $388,049
• List price: $323,990
• Delta: -18.05%
• 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
9161 SW 47th Ct	0.00mi	5/3.0	2,447 (0%)	0mo	$313,990	$128	100
9221 SW 47th Ct	0.00mi	5/3.0	2,447 (0%)	0mo	$309,000	$126	100
9238 SW 47th Ct	0.03mi	5/3.0	2,447 (0%)	1mo	$313,490	$128	97
9101 SW 47th Ct	0.00mi	4/2.5 (-1)	2,260 (-8%)	0mo	$309,000	$137	80
4642 SW 100th Ln	0.28mi	4/2.5 (-1)	2,407 (-2%)	0mo	$470,000	$195	77
5033 SW 97th Ln	0.28mi	4/3.0 (-1)	2,280 (-7%)	2mo	$330,000	$145	69
9589 SW 51st Cir	0.46mi	5/2.0	2,336 (-4%)	2mo	$424,900	$182	65
4561 SW 91st Lane Rd	0.72mi	5/3.5	2,686 (+10%)	2mo	$356,150	$133	46
10400 SW 45th Ct	0.56mi	4/2.0 (-1)	2,155 (-12%)	2mo	$370,000	$172	44
10411 SW 42nd Ave	0.72mi	4/3.5 (-1)	2,230 (-9%)	2mo	$410,000	$184	43
10160 SW 39th Ter	0.72mi	4/3.5 (-1)	2,230 (-9%)	2mo	$405,999	$182	43
4519 SW 91st Lane Rd	0.75mi	4/3.0 (-1)	2,200 (-10%)	1mo	$329,800	$150	42

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: -35.5%
• Equity multiple: -0.12×
• Total profit: $-121,320
• Equity at exit: $57,859

10-year hold

• IRR: -72.0%
• Equity multiple: -0.84×
• Total profit: $-199,607
• Equity at exit: $33,551

Cash invested: $108,654 (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: 33 active · 31 under contract
• Months of supply: 6.2 mo (16%/mo absorbed)
• Median asking: $389,000 ($167/sqft)
• Median days on market: 46 d
• This list price: 18% of active listings are priced below it
• ARV vs active asking: -5.0% vs 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: 10.7×

Monthly cashflow live

• Estimated rent: $2,517 high
• Mortgage (P&I): −$2,035
• Tax est. 1.5%: −$485 /mo · $5,821/yr
• Insurance: −$162
• HOA: −$110
• Vacancy / Maint / Mgmt: −$529
• Net cashflow: $-803

Break-even live

Break-even rent $3,534

Max offer price $271,797

Occupancy floor —

Sensitivity live

Price	-10% $-535	-5% $-669	+0% $-803	+5% $-937	+10% $-1,072
Rent	-10% $-1,002	-5% $-903	+0% $-803	+5% $-704	+10% $-605
Rate	-1.0pp $-608	-0.5pp $-705	base $-803	+0.5pp $-904	+1.0pp $-1,006

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: $97,012
• Closing costs: $11,641
• Club membership (one-time): —
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
4937 SW 98th Pl Ocala, FL	4.0	2.0	1838	$2,400	$1.31	63d	1	0.16mi
4780 SW 95th Ln Ocala, FL	4.0	3.0	2002	$2,395	$1.20	63d	1	0.22mi
9109 SW 45th Ter Ocala, FL	4.0	2.0	1828	$2,150	$1.18	63d	1	0.74mi
9975 SW 39th Ter Ocala, FL	4.0	2.0	1873	$2,295	$1.23	63d	1	0.76mi
4697 SW 89th St Ocala, FL	4.0	2.0	1848	$2,150	$1.16	63d	1	0.93mi
8940 SW 50th Ter Ocala, FL	4.0	2.0	1827	$2,195	$1.20	70d	1	0.93mi
5637 SW 93rd St Ocala, FL	4.0	3.0	2039	$2,600	$1.28	63d	1	0.97mi
5667 SW 92nd Pl Ocala, FL	4.0	2.0	2283	$2,750	$1.20	63d	1	1.03mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	63d	1	1.16mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	70d	1	1.16mi
8677 SW 44th Ct Ocala, FL	5.0	3.0	2370	$2,495	$1.05	70d	1	1.20mi
4106 SW 109th Pl Ocala, FL	4.0	3.0	2096	$2,100	$1.00	70d	1	1.23mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	62d	1	1.30mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	63d	1	1.30mi
4703 SW 85th Pl Ocala, FL	4.0	2.0	1828	$2,500	$1.37	63d	1	1.30mi
8584 SW 43rd Ter Ocala, FL	5.0	3.0	2370	$2,495	$1.05	63d	1	1.32mi
8584 SW 43rd Ter Ocala, FL	5.0	3.0	2370	$2,495	$1.05	62d	1	1.32mi
13110 SW 89th St Ocala, FL	4.0	2.5	1824	$1,950	$1.07	70d	1	1.42mi

Property features AI

Finance

• Other: Home warranty includedLiving area reported as 2,447 square feet (builder source)
• Financial info: Lease restrictions apply
• HOA & community: Has HOA (Executive Management and Leasing)Quarterly association fee ($330)Monthly HOA equivalent $110Association approval requiredPets allowed

Exterior

• Parking: Attached 2-car garage
• Utilities: Public waterPublic sewerOther utilities
• Home design: Single family residenceNew construction (projected completion: 2026-07-27)Two levelsFaces westUnder construction
• Construction: Block constructionShingle roofSlab foundationBuilder: D.R. Horton INCBuilder model: RobiePermit number: 26-01-03469Year built: New construction
• Exterior features: Paved road accessIrrigation equipment

Interior

• Kitchen: DishwasherMicrowaveRange
• Bedrooms: 5 bedrooms
• Flooring: Carpet
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating (electric)Central air conditioning
• Interior features: Open floor plan
• Laundry & utility: Dedicated laundry room

Listing history 8 events

1. 2026-08-08
   days on market $323,990 Active 49 DOM
2. 2026-08-07
   pricestatus $323,990 Active 48 DOM
3. 2026-05-14
   price $317,990 914-char remark
4. 2026-05-13
   price $317,990 982-char remark
5. 2026-05-07
   price $323,990 914-char remark
6. 2026-05-06
   price $323,990 982-char remark
7. 2026-04-03
   listed $326,070 Active 914-char remark
8. 2026-04-02
   listed $326,070 Active 982-char remark

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Taxation est. · year 1

• Rental income: $30,202
• − Mortgage interest: −$21,737
• − Property taxes: −$5,821
• − Insurance: −$1,940
• − Repairs & maintenance: −$2,416
• − Management: −$2,416
• − HOA: −$1,320
• − Depreciation: −$11,289
• Taxable loss: −$16,736
• Est. tax savings @ 24.0%: +$4,017
• After-tax cash flow: $-5,624/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 · 3 photos

Excellent 100/100 None rehab

This two-story home is in excellent condition with no visible repairs needed. It offers a spacious and modern living space with hardwood floors and well-maintained landscaping. The property is move-in ready and would benefit from a fresh coat of paint and some interior updates to maximize its value.

Value-add opportunities

• Both Paint exterior — Enhances curb appeal and value ↑
• Both Replace carpet with hardwood — Improves durability and aesthetic ↑
• Both Install smart home devices — Enhances convenience and marketability ↑

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

Property features AI

Finance

• Other: Home warranty includedLiving area reported as 2,447 square feet (builder source)
• Financial info: Lease restrictions apply
• HOA & community: Has HOA (Executive Management and Leasing)Quarterly association fee ($330)Monthly HOA equivalent $110Association approval requiredPets allowed

Exterior

• Parking: Attached 2-car garage
• Utilities: Public waterPublic sewerOther utilities
• Home design: Single family residenceNew construction (projected completion: 2026-07-27)Two levelsFaces westUnder construction
• Construction: Block constructionShingle roofSlab foundationBuilder: D.R. Horton INCBuilder model: RobiePermit number: 26-01-03469Year built: New construction
• Exterior features: Paved road accessIrrigation equipment

Interior

• Kitchen: DishwasherMicrowaveRange
• Bedrooms: 5 bedrooms
• Flooring: Carpet
• Bathrooms: 3 full bathrooms
• Heating & cooling: Central heating (electric)Central air conditioning
• Interior features: Open floor plan
• Laundry & utility: Dedicated laundry room

Price history

-2.5% since first listed

4 events — show timeline

• 2026-05-20 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-05-13 Price Changed $317,990 Stellar MLS as Distributed by MLS Grid
• 2026-05-06 Price Changed $323,990 Stellar MLS as Distributed by MLS Grid
• 2026-04-02 Listed $326,070 Stellar MLS as Distributed by MLS Grid