9197 SW 47th Ct · Liberty Triangle, FL 34476

$317,990

5 bd · 3.0 ba · 2,447 sqft · SingleFamily · 48 Days on market

Built 2026 Excellent condition 4,600 sqft lot $130/sqft · 18% below area Est $386k · 18% under $110/mo HOA · 4% of rent ↓ 2% since listing

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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).

• ARV discount +15.0/15.0
• Cash flow +8.0/30.0
• Condition / age +5.0/5.0
• Schools +3.6/10.0
• 1% rule +2.9/10.0
• Livability +2.5/5.0
• DSCR +2.1/10.0
• Rent growth +1.9/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

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. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

Key facts

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

What this means for you Summary

Snapshot

• This is a 5-bed/3.0-bath single-family listed at $318k. Condition is rated excellent.

Deal economics

• At list price, monthly cash flow is $-319 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $272k (14.5% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $252k (20.9% below list).
• Recommended offer: $252k (20.9% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads: area grade D — 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 (-2.6%/yr); 852 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals leasing fast (median 14d on market — plan ~1-2 weeks tenant-placement turnaround); 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) (locally 204% of renters already pay >50% of income on rent) — 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 $2k of loan paydown is wiped out by about $10k 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 48 days — a 3% lower offer ($308k) 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.

Recommended offer $251,687 (20.9% 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 48 days. Have you received any prior offers? Is the seller open to a 21% 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: 0.79% ✗
• Cap rate: 5.09%
• Cash-on-cash: -4.30%
• DSCR: 0.81
• GRM: 10.5

CMA / ARV

• ARV (median comp): $385,649
• List price: $317,990
• Delta: -17.54%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
9825 SW 46th Ct	0.10mi	4/3.0 (-1)	2,315 (-5%)	16mo	$360,000	$156	68
9589 SW 51st Cir	0.46mi	4/2.0 (-1)	2,336 (-4%)	0mo	$424,900	$182	62
9632 SW 40th Ct	0.63mi	4/3.0 (-1)	2,337 (-4%)	2mo	$397,330	$170	56
9595 SW 51st Cir	0.46mi	4/2.0 (-1)	2,333 (-5%)	12mo	$400,000	$171	52
4877 SW 99th St	0.11mi	4/3.0 (-1)	2,102 (-14%)	22mo	$429,000	$204	48
9934 SW 55th Avenue Rd	0.37mi	4/2.0 (-1)	2,188 (-11%)	13mo	$402,000	$184	46
9563 SW 40th Ter	0.74mi	4/3.0 (-1)	2,673 (+9%)	2mo	$455,000	$170	44
5044 SW 92nd St	0.72mi	4/3.0 (-1)	2,508 (+2%)	19mo	$396,050	$158	41
5047 SW 98th Pl	0.25mi	4/3.0 (-1)	2,102 (-14%)	23mo	$425,900	$203	41
5110 SW 92nd St	0.68mi	4/2.0 (-1)	2,330 (-5%)	16mo	$330,850	$142	38

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: -27.1%
• Equity multiple: 0.11×
• Total profit: $-79,130
• Equity at exit: $47,413

10-year hold

• IRR: -41.6%
• Equity multiple: -0.38×
• Total profit: $-123,162
• Equity at exit: $27,494

Cash invested: $89,037 (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 34476

• Rents YoY: -2.6%
• Active inventory: 852
• Price-to-rent: 10.5×

Monthly cashflow live

• Estimated rent: $2,517 high
• Mortgage (P&I): −$1,668
• Tax est. 1.5%: −$397 /mo · $4,770/yr
• Insurance: −$132
• HOA: −$110
• Vacancy / Maint / Mgmt: −$529
• Net cashflow: $-319

Break-even live

Break-even rent $2,921

Max offer price $271,797

Occupancy floor —

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: $79,498
• Closing costs: $9,540
• 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	13d	1	0.16mi
4780 SW 95th Ln Ocala, FL	4.0	3.0	2002	$2,395	$1.20	13d	1	0.22mi
9109 SW 45th Ter Ocala, FL	4.0	2.0	1828	$2,150	$1.18	13d	1	0.74mi
9975 SW 39th Ter Ocala, FL	4.0	2.0	1873	$2,295	$1.23	13d	1	0.76mi
4697 SW 89th St Ocala, FL	4.0	2.0	1848	$2,150	$1.16	13d	1	0.93mi
8940 SW 50th Ter Ocala, FL	4.0	2.0	1827	$2,195	$1.20	21d	1	0.93mi
5637 SW 93rd St Ocala, FL	4.0	3.0	2039	$2,600	$1.28	13d	1	0.97mi
5667 SW 92nd Pl Ocala, FL	4.0	2.0	2283	$2,750	$1.20	13d	1	1.03mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	13d	1	1.16mi
8704 SW 44th Ct Ocala, FL	4.0	2.5	2176	$2,195	$1.01	21d	1	1.16mi
8677 SW 44th Ct Ocala, FL	5.0	3.0	2370	$2,495	$1.05	21d	1	1.20mi
4106 SW 109th Pl Ocala, FL	4.0	3.0	2096	$2,100	$1.00	21d	1	1.23mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	13d	1	1.30mi
8602 SW 43rd Ter Ocala, FL	4.0	2.5	2176	$2,195	$1.01	13d	1	1.30mi
4703 SW 85th Pl Ocala, FL	4.0	2.0	1828	$2,500	$1.37	13d	1	1.30mi
8584 SW 43rd Ter Ocala, FL	5.0	3.0	2370	$2,495	$1.05	13d	1	1.32mi
8584 SW 43rd Ter Ocala, FL	5.0	3.0	2370	$2,495	$1.05	13d	1	1.32mi
13110 SW 89th St Ocala, FL	4.0	2.5	1824	$1,950	$1.07	21d	1	1.42mi

HOA detail

• Monthly dues: $110 · $1,320/yr

Listing history 6 events

1. 2026-05-14
   price $317,990 914-char remark

   Show marketing remark (914 chars)

   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. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

2. 2026-05-13
   price $317,990 982-char remark

   Show marketing remark (982 chars)

   One or more photo(s) has been 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. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

3. 2026-05-07
   price $323,990 914-char remark

   Show marketing remark (914 chars)

   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. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

4. 2026-05-06
   price $323,990 982-char remark

   Show marketing remark (982 chars)

   One or more photo(s) has been 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. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

5. 2026-04-03
   listed $326,070 Active 914-char remark

   Show marketing remark (914 chars)

   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. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

6. 2026-04-02
   listed $326,070 Active 982-char remark

   Show marketing remark (982 chars)

   One or more photo(s) has been 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. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. CRC057592.

ⓘ 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: −$17,812
• − Property taxes: −$4,770
• − Insurance: −$1,590
• − Repairs & maintenance: −$2,416
• − Management: −$2,416
• − HOA: −$1,320
• − Depreciation: −$9,251
• Taxable loss: −$9,373
• Est. tax savings @ 24.0%: +$2,249
• After-tax cash flow: $-1,581/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

Renovation cost estimate screening

Value-add ROI direction

• 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 ↑

ⓘ 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 — 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 · 315,796 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: 204.0

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 0.55)
• 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%

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

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

-2.5% since first listed

6 events — show timeline

• 2026-05-14 Price Changed $317,990 Zillow
• 2026-05-13 Price Changed $317,990 Stellar MLS as Distributed by MLS Grid
• 2026-05-07 Price Changed $323,990 Zillow
• 2026-05-06 Price Changed $323,990 Stellar MLS as Distributed by MLS Grid
• 2026-04-03 Listed $326,070 Zillow
• 2026-04-02 Listed $326,070 Stellar MLS as Distributed by MLS Grid