2158 NW 50th Ave · Ocala, FL 34482

$199,999

2 bd · 2.0 ba · 990 sqft · SingleFamily public records · 396 Days on market

Built 1994 8,712 sqft lot $202/sqft · 14% below area Est $233k · 14% under $278/mo HOA · 13% of rent

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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 +17.6/30.0
• ARV discount +13.9/15.0
• DSCR +5.5/10.0
• 1% rule +5.4/10.0
• Rent growth +5.0/5.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

One or more photo(s) has been virtually staged. One or more photo(s) was virtually staged. Discover Carefree Living in Beautiful Ocala Palms Golf & Country Club! This charming Cocos II model offers the perfect blend of comfort and convenience in a premier 55+ gated golf community, featuring 2-bedrooms, 2-bathrooms, and a single-car garage. The well-maintained home boasts elegant plantation shutters throughout and a serene lanai overlooking a meticulously landscaped and spacious backyard. Move-in ready with all appliances included as well as a 2014 Roof and 2020 HVAC. Enjoy the convenience of Publix just across the street and quick access to the World Equestrian Center as well as I-75. Golf cart friendly community makes getting around a breeze! -----COMMUNITY AMENITIES----- Embrace the active adult lifestyle in this premier country club community featuring an impressive 18-hole golf course complemented by a dedicated driving range and putting green for perfecting your game. At the heart of the community stands a magnificent 19,000 square-foot clubhouse surrounded by top-notch amenities including: -Fully equipped fitness center - Sparkling outdoor Olympic-sized pool and hot tub - Year-round heated indoor pool - Versatile recreation spaces with card rooms, arts and crafts studio, and ballroom - Extensive library and game rooms - Outdoor recreation including: - Bocce ball courts - Shuffleboard courts - Walking/biking trails - Horseshoe pits - Manicured croquet lawns

Key facts

• Driving range
• Serene lanai
• Plantation shutters

Tags

• PLANTATION SHUTTERS
• SERENE LANAI
• GOLF CART FRIENDLY COMMUNITY
• 18 HOLE GOLF COURSE
• DRIVING RANGE
• PUTTING GREEN

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $200k.

Deal economics

• At list price, monthly cash flow is $157 ($2k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $200k).
• Recommended offer: $176k (12.0% below list) — sets the bar for market timing.
• Cap rate 7.2% vs local median 4.2% in Ocala — 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 69/100 on livability (#476 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
• 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 rising fast (+11.1%/yr); 663 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 21d on market — plan ~3-4 weeks tenant-placement turnaround); 7,071 units permitted in Marion County in 2024 (534 in 5+ unit buildings).
• This rent runs 38% 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 $1k of loan paydown is wiped out by about $6k 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.
• At projected returns (-3.0% appreciation + 8.0% rent growth), your $56k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 396 days — a 12% lower offer ($176k) is reasonable based on typical stale-listing flexibility.
• 9 sale attempts since 18y ago; this cycle's ask is 11699% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
• Current owner paid $75k; list at $200k implies a 167% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $175,999 (12.0% below list)

Questions for the listing agent

1. It's been on market 396 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
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. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
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: 1.04% ✓
• Cap rate: 7.23%
• Cash-on-cash: 3.36%
• DSCR: 1.15
• GRM: 8.0

CMA / ARV

• ARV (median comp): $232,873
• List price: $199,999
• Delta: -14.12%
• Verdict: UNDERPRICED
• Comps: 17 within 1.0 mi

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold

• IRR: -5.1%
• Equity multiple: 0.80×
• Total profit: $-11,317
• Equity at exit: $29,821

10-year hold

• IRR: 9.9%
• Equity multiple: 1.96×
• Total profit: $53,484
• Equity at exit: $17,292

Cash invested: $56,000 (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 34482

• Rents YoY: 11.1%
• Active inventory: 663
• Price-to-rent: 8.0×

Monthly cashflow live

• Estimated rent: $2,082 high
• Mortgage (P&I): −$1,049
• Tax from tax record: −$78 /mo · $934/yr
• Insurance: −$83
• HOA: −$278
• Vacancy / Maint / Mgmt: −$437
• Net cashflow: $157

Break-even live

Break-even rent $1,884

Max offer price $199,999

Occupancy floor 87%

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: $50,000
• Closing costs: $6,000
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2048 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	0.10mi
2038 NW 50th Ave Ocala, FL	2.0	2.0	1062	$2,250	$2.12	21d	1	0.11mi
2028 NW 50th Ave Ocala, FL	2.0	2.0	1066	$1,595	$1.50	21d	1	0.12mi
1918 NW 50th Cir Ocala, FL	2.0	2.0	1061	$2,200	$2.07	21d	1	0.16mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	21d	1	0.48mi
5399 NW 18th St Ocala, FL	2.0	2.0	1085	$2,100	$1.94	13d	1	0.48mi
5353 N US Highway 27 Ocala, FL	1.0–3.0	1.0–2.0	1169	$1,785	$1.53	21d	1	0.69mi

HOA detail

• Monthly dues: $278 · $3,336/yr
• Likely covers: poolgymsecurity

Listing history 27 events

1. 2026-06-10
   days on market $199,999 Active 396 DOM
2. 2026-06-09
   days on market $199,999 Active 395 DOM
3. 2026-06-08
   days on market $199,999 Active 394 DOM
4. 2026-06-07
   days on market $199,999 Active 393 DOM
5. 2026-06-03
   days on market $199,999 Active 389 DOM
6. 2026-06-02
   days on market $199,999 Active 388 DOM
7. 2026-05-31
   days on market $199,999 Active 386 DOM
8. 2026-05-30
   days on market $199,999 Active 385 DOM
9. 2026-05-15
   listed $1,695
10. 2026-05-15
    historical $1,695
11. 2026-05-06
    listed $1,695
12. 2026-05-06
    historical $1,695
13. 2026-02-25
    listed $1,695
14. 2025-10-13
    price $199,999 1516-char remark

    Show marketing remark (1516 chars)

    One or more photo(s) has been virtually staged. One or more photo(s) was virtually staged. Discover Carefree Living in Beautiful Ocala Palms Golf & Country Club! This charming Cocos II model offers the perfect blend of comfort and convenience in a premier 55+ gated golf community, featuring 2-bedrooms, 2-bathrooms, and a single-car garage. The well-maintained home boasts elegant plantation shutters throughout and a serene lanai overlooking a meticulously landscaped and spacious backyard. Move-in ready with all appliances included as well as a 2014 Roof and 2020 HVAC. Enjoy the convenience of Publix just across the street and quick access to the World Equestrian Center as well as I-75. Golf cart friendly community makes getting around a breeze! -----COMMUNITY AMENITIES----- Embrace the active adult lifestyle in this premier country club community featuring an impressive 18-hole golf course complemented by a dedicated driving range and putting green for perfecting your game. At the heart of the community stands a magnificent 19,000 square-foot clubhouse surrounded by top-notch amenities including: -Fully equipped fitness center - Sparkling outdoor Olympic-sized pool and hot tub - Year-round heated indoor pool - Versatile recreation spaces with card rooms, arts and crafts studio, and ballroom - Extensive library and game rooms - Outdoor recreation including: - Bocce ball courts - Shuffleboard courts - Walking/biking trails - Horseshoe pits - Manicured croquet lawns

15. 2025-05-10
    listed $208,000 Active 1516-char remark

    Show marketing remark (1516 chars)

    One or more photo(s) has been virtually staged. One or more photo(s) was virtually staged. Discover Carefree Living in Beautiful Ocala Palms Golf & Country Club! This charming Cocos II model offers the perfect blend of comfort and convenience in a premier 55+ gated golf community, featuring 2-bedrooms, 2-bathrooms, and a single-car garage. The well-maintained home boasts elegant plantation shutters throughout and a serene lanai overlooking a meticulously landscaped and spacious backyard. Move-in ready with all appliances included as well as a 2014 Roof and 2020 HVAC. Enjoy the convenience of Publix just across the street and quick access to the World Equestrian Center as well as I-75. Golf cart friendly community makes getting around a breeze! -----COMMUNITY AMENITIES----- Embrace the active adult lifestyle in this premier country club community featuring an impressive 18-hole golf course complemented by a dedicated driving range and putting green for perfecting your game. At the heart of the community stands a magnificent 19,000 square-foot clubhouse surrounded by top-notch amenities including: -Fully equipped fitness center - Sparkling outdoor Olympic-sized pool and hot tub - Year-round heated indoor pool - Versatile recreation spaces with card rooms, arts and crafts studio, and ballroom - Extensive library and game rooms - Outdoor recreation including: - Bocce ball courts - Shuffleboard courts - Walking/biking trails - Horseshoe pits - Manicured croquet lawns

16. 2023-04-25
    historical
17. 2023-01-31
    listed $220,000 Active
18. 2014-05-23
    soldstatus $75,000
19. 2014-05-20
    soldstatus $75,000
20. 2013-08-29
    listed $78,900
21. 2013-07-26
    historical
22. 2013-01-18
    listed $81,900
23. 2013-01-11
    historical
24. 2012-09-24
    listed $82,000
25. 2008-03-03
    soldstatus $129,000
26. 2008-03-03
    soldstatus $129,000
27. 2008-02-08
    listed $139,900

ⓘ 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: $934 · $78/mo
• Projected year-2 tax: $1,660 · $138/mo
• Expected delta: +$726/yr (+$60/mo · 77.6%)

ⓘ 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 3/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 3/10 Moderate 3 unhealthy d/yr today · 3 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,986
• − Mortgage interest: −$11,203
• − Property taxes: −$934
• − Insurance: −$1,000
• − Repairs & maintenance: −$1,999
• − Management: −$1,999
• − HOA: −$3,336
• − Depreciation: −$5,818
• Taxable loss: −$1,304
• Est. tax savings @ 24.0%: +$313
• After-tax cash flow: $2,195/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 — Ocala

• Score: 69/100
• State rank: #476
• US rank: #8461

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment F Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

• County: Marion County · 315,796 people
• City population: 263,375
• Metro: Ocala, FL
• Population (ZIP): 22,807
• Household income: $65,901
• Rent vs Own: 16.7% rent · 83.3% own
• Severe rent burden: 282.0

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: Majority White (63%)
• Race & ethnicity: White 63% Hispanic / Latino 19% Black 14% Two or more races 12%
• Hispanic origin (detail): Mexican 6% Puerto Rican 9% Cuban 2%
• Common ancestry: Lithuanian 2% Romanian 2% Slovak 2%
• Foreign-born: 10% · Canada
• Languages at home: 81% English-only · Spanish 16% 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: ▼ -133.62%
• Current HPI: 194.3857
• Rent YoY: ▲ 11.12%
• 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

-98.8% since first listed

19 events — show timeline

• 2026-05-15 Listed for Rent $1,695 STELLARMLS
• 2026-05-15 Rental Removed $1,695 BUILDIUM
• 2026-05-06 Listed for Rent $1,695 BUILDIUM
• 2026-05-06 Rental Removed $1,695 STELLARMLS
• 2026-02-25 Listed for Rent $1,695 STELLARMLS
• 2025-10-13 Price Changed $199,999 Stellar MLS as Distributed by MLS Grid
• 2025-05-10 Listed $208,000 Stellar MLS as Distributed by MLS Grid
• 2023-04-25 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2023-01-31 Listed $220,000 Stellar MLS as Distributed by MLS Grid
• 2014-05-23 Sold (Public Records) $75,000 Public Records
• 2014-05-20 Sold (MLS) $75,000 Stellar MLS as Distributed by MLS Grid
• 2013-08-29 Listed $78,900 Stellar MLS as Distributed by MLS Grid
• 2013-07-26 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2013-01-18 Listed $81,900 Stellar MLS as Distributed by MLS Grid
• 2013-01-11 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2012-09-24 Listed $82,000 Stellar MLS as Distributed by MLS Grid
• 2008-03-03 Sold (Public Records) $129,000 Public Records
• 2008-03-03 Sold (MLS) $129,000 Stellar MLS as Distributed by MLS Grid
• 2008-02-08 Listed $139,900 Stellar MLS as Distributed by MLS Grid

Property tax history

-1.4%/yr

Latest (2025): $934 · +30.5% YoY. Source: county tax records.