9730 SW 90th St · On Top of the World, FL 34481

$180,000

2 bd · 2.0 ba · 1,670 sqft · SingleFamily public records · 311 Days on market

Built 2005 7,405 sqft lot $108/sqft · 36% below area Est $282k · 36% under $512/mo HOA · 28% of rent

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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 +7.8/30.0
• 1% rule +5.2/10.0
• Schools +3.6/10.0
• Rent growth +2.5/5.0
• Livability +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +1.9/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Charming 2 Bedroom + Study, 2 Bath Home NEW ROOF & NEW A/C in Premier 55+ Gated Community – On Top of the World Welcome to this beautifully maintained single-family home located in the highly sought-after On Top of the World community—an active 55+ gated neighborhood designed for comfort, convenience, and lifestyle. This spacious and thoughtfully designed home offers 2 bedrooms, 2 full bathrooms, a versatile study/den, and a 2-car garage, perfect for full-time residents or seasonal getaways. Step inside and discover a bright, open floor plan with stylish finishes and a warm, inviting atmosphere. The eat-in kitchen is a chef’s delight, featuring stainless steel appliances, ample cabinetry, and plenty of counter space—ideal for casual meals or entertaining. Adjacent, the screened porch provides the perfect space to relax and enjoy Florida’s year-round sunshine. The primary suite is a true retreat, complete with double sinks, a walk-in shower, and dual walk-in closets (his & hers), offering both luxury and practicality. The guest bedroom and additional full bath provide privacy and comfort for visiting family or friends. Need a home office, craft space, or reading nook? The separate study/den adds valuable flexibility to suit your lifestyle. Additional highlights include: New roof New A/C Low-maintenance landscaping Convenient interior laundry area Neutral finishes ready for your personal touch Enjoy the ease of living just minutes from shopping, top-rated medical facilities, and diverse dining options, all while having access to one of Central Florida’s most robust amenity packages. Community amenities include: 3 Championship Golf Courses Fitness Centers & Pools Pickleball, Tennis, and Archery 175+ Social, Hobby & Special Interest Clubs Walking and biking trails On-site restaurants, cultural events, and more Whether you're looking to stay active, socialize, or simply relax, On Top of the World offers a lifestyle that truly lives up to its name. Don’t miss this opportunity to own a piece of paradise in a community where neighbors become friends and every day feels like a getaway. Schedule your private tour today and experience the lifestyle you deserve!

Key facts

• Gated community
• Screened porch
• Eat-in kitchen

Tags

• GATED COMMUNITY
• SCREENED PORCH
• EAT-IN KITCHEN
• SEPARATE STUDY
• LOW-MAINTENANCE LANDSCAPING
• FITNESS CENTERS

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath single-family listed at $180k.

Deal economics

• At list price, monthly cash flow is $-200 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $145k (19.6% below list).
• Meets the 1% rule at list price ($2k rent vs $180k).
• Recommended offer: $145k (19.6% below list) — sets the bar for cash-flow.
• Cap rate 5.0% vs local median 2.9% in On Top of the World — 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: 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.
• 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: 1161 active listings in the ZIP; 24 comparable units currently listed for rent nearby; rentals at typical pace (median 23d 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 ($57k/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 $5k 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 311 days — a 12% lower offer ($158k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts since 7y ago; this cycle's ask has dropped $55k (23%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 28% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $144,728 (19.6% 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 311 days. Have you received any prior offers? Is the seller open to a 20% 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. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
5. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
6. 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?
7. 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.
8. 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.
9. 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: 1.02% ✓
• Cap rate: 4.96%
• Cash-on-cash: -4.75%
• DSCR: 0.79
• GRM: 8.2

CMA / ARV

• ARV (median comp): $281,849
• List price: $180,000
• Delta: -36.14%
• 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
9663 SW 92nd Place Rd	0.15mi	2/2.0	1,689 (+1%)	3mo	$232,500	$138	89
9761 SW 90th St	0.06mi	2/2.0	1,757 (+5%)	15mo	$203,000	$116	76
9732 SW 89th St	0.05mi	2/2.0	1,504 (-10%)	18mo	$269,900	$179	66
8878 SW 103rd Cir	0.54mi	2/2.0	1,739 (+4%)	8mo	$367,000	$211	61
8912 SW 101st Cir	0.45mi	2/2.0	1,651 (-1%)	20mo	$365,000	$221	60
9262 SW 99th Court Rd	0.50mi	2/2.0	1,750 (+5%)	20mo	$300,000	$171	52
8829 SW 103rd Cir	0.61mi	2/2.0	1,651 (-1%)	21mo	$340,000	$206	52
10106 SW 92nd Street Rd	0.51mi	2/2.0	1,510 (-10%)	18mo	$238,000	$158	45
9313 SW 102nd Terrace Rd	0.71mi	2/2.0	1,469 (-12%)	2mo	$298,000	$203	45
9347 SW 94th Loop	0.73mi	3/2.0 (+1)	1,616 (-3%)	15mo	$345,000	$213	43
9224 SW 91st Cir	0.57mi	2/2.0	1,425 (-15%)	10mo	$155,000	$109	41
9101 SW 91st Cir	0.69mi	2/2.0	1,423 (-15%)	12mo	$231,900	$163	33

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: -24.1%
• Equity multiple: 0.17×
• Total profit: $-41,607
• Equity at exit: $26,839

10-year hold

• IRR: -18.8%
• Equity multiple: -0.02×
• Total profit: $-51,476
• Equity at exit: $15,563

Cash invested: $50,400 (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 34481

• Home prices YoY: -25.2%
• Active inventory: 1161
• Price-to-rent: 8.2×

Monthly cashflow live

• Estimated rent: $1,837 high
• Mortgage (P&I): −$944
• Tax from tax record: −$120 /mo · $1,443/yr
• Insurance: −$75
• HOA: −$512
• Vacancy / Maint / Mgmt: −$386
• Net cashflow: $-200

Break-even live

Break-even rent $2,090

Max offer price $144,728

Occupancy floor —

Sensitivity live

Price	-10% $-98	-5% $-149	+0% $-200	+5% $-251	+10% $-302
Rent	-10% $-345	-5% $-272	+0% $-200	+5% $-127	+10% $-55
Rate	-1.0pp $-109	-0.5pp $-154	base $-200	+0.5pp $-246	+1.0pp $-294

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: $45,000
• Closing costs: $5,400
• Reserves months: —
• Total cash needed: —

Rent comps 24 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
9770 SW 92nd Place Rd Ocala, FL	2.0	2.0	1399	$2,200	$1.57	23d	1	0.07mi
9746 SW 89th Loop Ocala, FL	2.0	2.0	1660	$1,950	$1.17	23d	1	0.12mi
9513 SW 92nd Place Rd Ocala, FL	2.0	2.0	1651	$2,000	$1.21	15d	1	0.31mi
9119 SW 99th Court Rd Ocala, FL	2.0	2.0	1504	$1,900	$1.26	23d	1	0.36mi
9289 SW 92nd Ln Ocala, FL	2.0	2.0	1600	$1,350	$0.84	23d	1	0.62mi
9013 SW 91st Cir Ocala, FL	2.0	2.0	1494	$1,900	$1.27	15d	1	0.70mi
9791 SW 96th St Ocala, FL	2.0	2.0	1906	$1,800	$0.94	23d	1	0.81mi
9758 SW 96th St Ocala, FL	2.0	2.0	1219	$1,400	$1.15	23d	1	0.83mi
9794 SW 96th St Ocala, FL	2.0	2.0	1201	$1,700	$1.42	23d	1	0.84mi
9748 SW 97th St Ocala, FL	2.0	2.0	1105	$1,500	$1.36	23d	1	0.88mi
7978 SW 90th Ter Ocala, FL	2.0	2.0	1226	$1,875	$1.53	15d	1	1.12mi
9013 SW 79th Ln Ocala, FL	2.0	2.0	2118	$2,500	$1.18	23d	1	1.13mi
8666 SW 92nd Ln Unit F Ocala, FL	2.0	2.0	1748	$2,000	$1.14	23d	1	1.19mi
8714 SW 83rd Loop Ocala, FL	2.0	2.0	1658	$1,900	$1.15	15d	1	1.22mi
8680 SW 94th Ln Unit G Ocala, FL	3.0	2.0	1409	$1,550	$1.10	23d	1	1.24mi
8665 SW 94th St Unit C Ocala, FL	2.0	2.0	1589	$1,600	$1.01	23d	1	1.31mi
9760 SW 101st Ln Ocala, FL	2.0	2.0	1360	$1,500	$1.10	23d	1	1.33mi
8430 SW 90th Ln Unit D Ocala, FL	2.0	2.0	1454	$1,600	$1.10	23d	1	1.33mi
8431 SW 90th Ln Ocala, FL	2.0	2.0	1366	$1,395	$1.02	23d	1	1.35mi
8671 SW 97th St Unit C Ocala, FL	2.0	2.0	1341	$1,474	$1.10	15d	1	1.36mi
8670 SW 97th St Unit A Ocala, FL	2.0	2.0	1341	$1,600	$1.19	23d	1	1.37mi
10211 SW 93rd Ct Ocala, FL	3.0	2.0	1456	$1,495	$1.03	23d	1	1.41mi
8655 SW 98th Street Rd Unit G Ocala, FL	2.0	2.0	1424	$1,500	$1.05	23d	1	1.41mi
8757 SW 97th Lane Rd Unit C Ocala, FL	2.0	2.0	1490	$1,600	$1.07	15d	1	1.47mi

HOA detail

• Monthly dues: $512 · $6,144/yr
• Likely covers: landscapingpoolgymsecurity

Listing history 19 events

1. 2026-05-18
   status Pending 2297-char remark

   Show marketing remark (2297 chars)

   Charming 2 Bedroom + Study, 2 Bath Home NEW ROOF & NEW A/C in Premier 55+ Gated Community – On Top of the World Welcome to this beautifully maintained single-family home located in the highly sought-after On Top of the World community—an active 55+ gated neighborhood designed for comfort, convenience, and lifestyle. This spacious and thoughtfully designed home offers 2 bedrooms, 2 full bathrooms, a versatile study/den, and a 2-car garage, perfect for full-time residents or seasonal getaways. Step inside and discover a bright, open floor plan with stylish finishes and a warm, inviting atmosphere. The eat-in kitchen is a chef’s delight, featuring stainless steel appliances, ample cabinetry, and plenty of counter space—ideal for casual meals or entertaining. Adjacent, the screened porch provides the perfect space to relax and enjoy Florida’s year-round sunshine. The primary suite is a true retreat, complete with double sinks, a walk-in shower, and dual walk-in closets (his & hers), offering both luxury and practicality. The guest bedroom and additional full bath provide privacy and comfort for visiting family or friends. Need a home office, craft space, or reading nook? The separate study/den adds valuable flexibility to suit your lifestyle. Additional highlights include: New roof New A/C Low-maintenance landscaping Convenient interior laundry area Neutral finishes ready for your personal touch Enjoy the ease of living just minutes from shopping, top-rated medical facilities, and diverse dining options, all while having access to one of Central Florida’s most robust amenity packages. Community amenities include: 3 Championship Golf Courses Fitness Centers & Pools Pickleball, Tennis, and Archery 175+ Social, Hobby & Special Interest Clubs Walking and biking trails On-site restaurants, cultural events, and more Whether you're looking to stay active, socialize, or simply relax, On Top of the World offers a lifestyle that truly lives up to its name. Don’t miss this opportunity to own a piece of paradise in a community where neighbors become friends and every day feels like a getaway. Schedule your private tour today and experience the lifestyle you deserve!

2. 2026-04-28
   price $180,000 2297-char remark

   Show marketing remark (2297 chars)

   Charming 2 Bedroom + Study, 2 Bath Home NEW ROOF & NEW A/C in Premier 55+ Gated Community – On Top of the World Welcome to this beautifully maintained single-family home located in the highly sought-after On Top of the World community—an active 55+ gated neighborhood designed for comfort, convenience, and lifestyle. This spacious and thoughtfully designed home offers 2 bedrooms, 2 full bathrooms, a versatile study/den, and a 2-car garage, perfect for full-time residents or seasonal getaways. Step inside and discover a bright, open floor plan with stylish finishes and a warm, inviting atmosphere. The eat-in kitchen is a chef’s delight, featuring stainless steel appliances, ample cabinetry, and plenty of counter space—ideal for casual meals or entertaining. Adjacent, the screened porch provides the perfect space to relax and enjoy Florida’s year-round sunshine. The primary suite is a true retreat, complete with double sinks, a walk-in shower, and dual walk-in closets (his & hers), offering both luxury and practicality. The guest bedroom and additional full bath provide privacy and comfort for visiting family or friends. Need a home office, craft space, or reading nook? The separate study/den adds valuable flexibility to suit your lifestyle. Additional highlights include: New roof New A/C Low-maintenance landscaping Convenient interior laundry area Neutral finishes ready for your personal touch Enjoy the ease of living just minutes from shopping, top-rated medical facilities, and diverse dining options, all while having access to one of Central Florida’s most robust amenity packages. Community amenities include: 3 Championship Golf Courses Fitness Centers & Pools Pickleball, Tennis, and Archery 175+ Social, Hobby & Special Interest Clubs Walking and biking trails On-site restaurants, cultural events, and more Whether you're looking to stay active, socialize, or simply relax, On Top of the World offers a lifestyle that truly lives up to its name. Don’t miss this opportunity to own a piece of paradise in a community where neighbors become friends and every day feels like a getaway. Schedule your private tour today and experience the lifestyle you deserve!

3. 2026-03-24
   status Active 2297-char remark

   Show marketing remark (2297 chars)

   Charming 2 Bedroom + Study, 2 Bath Home NEW ROOF & NEW A/C in Premier 55+ Gated Community – On Top of the World Welcome to this beautifully maintained single-family home located in the highly sought-after On Top of the World community—an active 55+ gated neighborhood designed for comfort, convenience, and lifestyle. This spacious and thoughtfully designed home offers 2 bedrooms, 2 full bathrooms, a versatile study/den, and a 2-car garage, perfect for full-time residents or seasonal getaways. Step inside and discover a bright, open floor plan with stylish finishes and a warm, inviting atmosphere. The eat-in kitchen is a chef’s delight, featuring stainless steel appliances, ample cabinetry, and plenty of counter space—ideal for casual meals or entertaining. Adjacent, the screened porch provides the perfect space to relax and enjoy Florida’s year-round sunshine. The primary suite is a true retreat, complete with double sinks, a walk-in shower, and dual walk-in closets (his & hers), offering both luxury and practicality. The guest bedroom and additional full bath provide privacy and comfort for visiting family or friends. Need a home office, craft space, or reading nook? The separate study/den adds valuable flexibility to suit your lifestyle. Additional highlights include: New roof New A/C Low-maintenance landscaping Convenient interior laundry area Neutral finishes ready for your personal touch Enjoy the ease of living just minutes from shopping, top-rated medical facilities, and diverse dining options, all while having access to one of Central Florida’s most robust amenity packages. Community amenities include: 3 Championship Golf Courses Fitness Centers & Pools Pickleball, Tennis, and Archery 175+ Social, Hobby & Special Interest Clubs Walking and biking trails On-site restaurants, cultural events, and more Whether you're looking to stay active, socialize, or simply relax, On Top of the World offers a lifestyle that truly lives up to its name. Don’t miss this opportunity to own a piece of paradise in a community where neighbors become friends and every day feels like a getaway. Schedule your private tour today and experience the lifestyle you deserve!

4. 2026-02-23
   status Pending 2297-char remark

   Show marketing remark (2297 chars)

   Charming 2 Bedroom + Study, 2 Bath Home NEW ROOF & NEW A/C in Premier 55+ Gated Community – On Top of the World Welcome to this beautifully maintained single-family home located in the highly sought-after On Top of the World community—an active 55+ gated neighborhood designed for comfort, convenience, and lifestyle. This spacious and thoughtfully designed home offers 2 bedrooms, 2 full bathrooms, a versatile study/den, and a 2-car garage, perfect for full-time residents or seasonal getaways. Step inside and discover a bright, open floor plan with stylish finishes and a warm, inviting atmosphere. The eat-in kitchen is a chef’s delight, featuring stainless steel appliances, ample cabinetry, and plenty of counter space—ideal for casual meals or entertaining. Adjacent, the screened porch provides the perfect space to relax and enjoy Florida’s year-round sunshine. The primary suite is a true retreat, complete with double sinks, a walk-in shower, and dual walk-in closets (his & hers), offering both luxury and practicality. The guest bedroom and additional full bath provide privacy and comfort for visiting family or friends. Need a home office, craft space, or reading nook? The separate study/den adds valuable flexibility to suit your lifestyle. Additional highlights include: New roof New A/C Low-maintenance landscaping Convenient interior laundry area Neutral finishes ready for your personal touch Enjoy the ease of living just minutes from shopping, top-rated medical facilities, and diverse dining options, all while having access to one of Central Florida’s most robust amenity packages. Community amenities include: 3 Championship Golf Courses Fitness Centers & Pools Pickleball, Tennis, and Archery 175+ Social, Hobby & Special Interest Clubs Walking and biking trails On-site restaurants, cultural events, and more Whether you're looking to stay active, socialize, or simply relax, On Top of the World offers a lifestyle that truly lives up to its name. Don’t miss this opportunity to own a piece of paradise in a community where neighbors become friends and every day feels like a getaway. Schedule your private tour today and experience the lifestyle you deserve!

5. 2025-11-25
   price $195,000 2297-char remark

   Show marketing remark (2297 chars)

   Charming 2 Bedroom + Study, 2 Bath Home NEW ROOF & NEW A/C in Premier 55+ Gated Community – On Top of the World Welcome to this beautifully maintained single-family home located in the highly sought-after On Top of the World community—an active 55+ gated neighborhood designed for comfort, convenience, and lifestyle. This spacious and thoughtfully designed home offers 2 bedrooms, 2 full bathrooms, a versatile study/den, and a 2-car garage, perfect for full-time residents or seasonal getaways. Step inside and discover a bright, open floor plan with stylish finishes and a warm, inviting atmosphere. The eat-in kitchen is a chef’s delight, featuring stainless steel appliances, ample cabinetry, and plenty of counter space—ideal for casual meals or entertaining. Adjacent, the screened porch provides the perfect space to relax and enjoy Florida’s year-round sunshine. The primary suite is a true retreat, complete with double sinks, a walk-in shower, and dual walk-in closets (his & hers), offering both luxury and practicality. The guest bedroom and additional full bath provide privacy and comfort for visiting family or friends. Need a home office, craft space, or reading nook? The separate study/den adds valuable flexibility to suit your lifestyle. Additional highlights include: New roof New A/C Low-maintenance landscaping Convenient interior laundry area Neutral finishes ready for your personal touch Enjoy the ease of living just minutes from shopping, top-rated medical facilities, and diverse dining options, all while having access to one of Central Florida’s most robust amenity packages. Community amenities include: 3 Championship Golf Courses Fitness Centers & Pools Pickleball, Tennis, and Archery 175+ Social, Hobby & Special Interest Clubs Walking and biking trails On-site restaurants, cultural events, and more Whether you're looking to stay active, socialize, or simply relax, On Top of the World offers a lifestyle that truly lives up to its name. Don’t miss this opportunity to own a piece of paradise in a community where neighbors become friends and every day feels like a getaway. Schedule your private tour today and experience the lifestyle you deserve!

6. 2025-10-06
   price $205,000 2297-char remark

   Show marketing remark (2297 chars)

   Charming 2 Bedroom + Study, 2 Bath Home NEW ROOF & NEW A/C in Premier 55+ Gated Community – On Top of the World Welcome to this beautifully maintained single-family home located in the highly sought-after On Top of the World community—an active 55+ gated neighborhood designed for comfort, convenience, and lifestyle. This spacious and thoughtfully designed home offers 2 bedrooms, 2 full bathrooms, a versatile study/den, and a 2-car garage, perfect for full-time residents or seasonal getaways. Step inside and discover a bright, open floor plan with stylish finishes and a warm, inviting atmosphere. The eat-in kitchen is a chef’s delight, featuring stainless steel appliances, ample cabinetry, and plenty of counter space—ideal for casual meals or entertaining. Adjacent, the screened porch provides the perfect space to relax and enjoy Florida’s year-round sunshine. The primary suite is a true retreat, complete with double sinks, a walk-in shower, and dual walk-in closets (his & hers), offering both luxury and practicality. The guest bedroom and additional full bath provide privacy and comfort for visiting family or friends. Need a home office, craft space, or reading nook? The separate study/den adds valuable flexibility to suit your lifestyle. Additional highlights include: New roof New A/C Low-maintenance landscaping Convenient interior laundry area Neutral finishes ready for your personal touch Enjoy the ease of living just minutes from shopping, top-rated medical facilities, and diverse dining options, all while having access to one of Central Florida’s most robust amenity packages. Community amenities include: 3 Championship Golf Courses Fitness Centers & Pools Pickleball, Tennis, and Archery 175+ Social, Hobby & Special Interest Clubs Walking and biking trails On-site restaurants, cultural events, and more Whether you're looking to stay active, socialize, or simply relax, On Top of the World offers a lifestyle that truly lives up to its name. Don’t miss this opportunity to own a piece of paradise in a community where neighbors become friends and every day feels like a getaway. Schedule your private tour today and experience the lifestyle you deserve!

7. 2025-09-08
   price $215,000 2297-char remark

   Show marketing remark (2297 chars)

   Charming 2 Bedroom + Study, 2 Bath Home NEW ROOF & NEW A/C in Premier 55+ Gated Community – On Top of the World Welcome to this beautifully maintained single-family home located in the highly sought-after On Top of the World community—an active 55+ gated neighborhood designed for comfort, convenience, and lifestyle. This spacious and thoughtfully designed home offers 2 bedrooms, 2 full bathrooms, a versatile study/den, and a 2-car garage, perfect for full-time residents or seasonal getaways. Step inside and discover a bright, open floor plan with stylish finishes and a warm, inviting atmosphere. The eat-in kitchen is a chef’s delight, featuring stainless steel appliances, ample cabinetry, and plenty of counter space—ideal for casual meals or entertaining. Adjacent, the screened porch provides the perfect space to relax and enjoy Florida’s year-round sunshine. The primary suite is a true retreat, complete with double sinks, a walk-in shower, and dual walk-in closets (his & hers), offering both luxury and practicality. The guest bedroom and additional full bath provide privacy and comfort for visiting family or friends. Need a home office, craft space, or reading nook? The separate study/den adds valuable flexibility to suit your lifestyle. Additional highlights include: New roof New A/C Low-maintenance landscaping Convenient interior laundry area Neutral finishes ready for your personal touch Enjoy the ease of living just minutes from shopping, top-rated medical facilities, and diverse dining options, all while having access to one of Central Florida’s most robust amenity packages. Community amenities include: 3 Championship Golf Courses Fitness Centers & Pools Pickleball, Tennis, and Archery 175+ Social, Hobby & Special Interest Clubs Walking and biking trails On-site restaurants, cultural events, and more Whether you're looking to stay active, socialize, or simply relax, On Top of the World offers a lifestyle that truly lives up to its name. Don’t miss this opportunity to own a piece of paradise in a community where neighbors become friends and every day feels like a getaway. Schedule your private tour today and experience the lifestyle you deserve!

8. 2025-07-14
   price $225,000 2297-char remark

   Show marketing remark (2297 chars)

   Charming 2 Bedroom + Study, 2 Bath Home NEW ROOF & NEW A/C in Premier 55+ Gated Community – On Top of the World Welcome to this beautifully maintained single-family home located in the highly sought-after On Top of the World community—an active 55+ gated neighborhood designed for comfort, convenience, and lifestyle. This spacious and thoughtfully designed home offers 2 bedrooms, 2 full bathrooms, a versatile study/den, and a 2-car garage, perfect for full-time residents or seasonal getaways. Step inside and discover a bright, open floor plan with stylish finishes and a warm, inviting atmosphere. The eat-in kitchen is a chef’s delight, featuring stainless steel appliances, ample cabinetry, and plenty of counter space—ideal for casual meals or entertaining. Adjacent, the screened porch provides the perfect space to relax and enjoy Florida’s year-round sunshine. The primary suite is a true retreat, complete with double sinks, a walk-in shower, and dual walk-in closets (his & hers), offering both luxury and practicality. The guest bedroom and additional full bath provide privacy and comfort for visiting family or friends. Need a home office, craft space, or reading nook? The separate study/den adds valuable flexibility to suit your lifestyle. Additional highlights include: New roof New A/C Low-maintenance landscaping Convenient interior laundry area Neutral finishes ready for your personal touch Enjoy the ease of living just minutes from shopping, top-rated medical facilities, and diverse dining options, all while having access to one of Central Florida’s most robust amenity packages. Community amenities include: 3 Championship Golf Courses Fitness Centers & Pools Pickleball, Tennis, and Archery 175+ Social, Hobby & Special Interest Clubs Walking and biking trails On-site restaurants, cultural events, and more Whether you're looking to stay active, socialize, or simply relax, On Top of the World offers a lifestyle that truly lives up to its name. Don’t miss this opportunity to own a piece of paradise in a community where neighbors become friends and every day feels like a getaway. Schedule your private tour today and experience the lifestyle you deserve!

9. 2025-06-12
   listed $235,000 Active 2297-char remark

   Show marketing remark (2297 chars)

   Charming 2 Bedroom + Study, 2 Bath Home NEW ROOF & NEW A/C in Premier 55+ Gated Community – On Top of the World Welcome to this beautifully maintained single-family home located in the highly sought-after On Top of the World community—an active 55+ gated neighborhood designed for comfort, convenience, and lifestyle. This spacious and thoughtfully designed home offers 2 bedrooms, 2 full bathrooms, a versatile study/den, and a 2-car garage, perfect for full-time residents or seasonal getaways. Step inside and discover a bright, open floor plan with stylish finishes and a warm, inviting atmosphere. The eat-in kitchen is a chef’s delight, featuring stainless steel appliances, ample cabinetry, and plenty of counter space—ideal for casual meals or entertaining. Adjacent, the screened porch provides the perfect space to relax and enjoy Florida’s year-round sunshine. The primary suite is a true retreat, complete with double sinks, a walk-in shower, and dual walk-in closets (his & hers), offering both luxury and practicality. The guest bedroom and additional full bath provide privacy and comfort for visiting family or friends. Need a home office, craft space, or reading nook? The separate study/den adds valuable flexibility to suit your lifestyle. Additional highlights include: New roof New A/C Low-maintenance landscaping Convenient interior laundry area Neutral finishes ready for your personal touch Enjoy the ease of living just minutes from shopping, top-rated medical facilities, and diverse dining options, all while having access to one of Central Florida’s most robust amenity packages. Community amenities include: 3 Championship Golf Courses Fitness Centers & Pools Pickleball, Tennis, and Archery 175+ Social, Hobby & Special Interest Clubs Walking and biking trails On-site restaurants, cultural events, and more Whether you're looking to stay active, socialize, or simply relax, On Top of the World offers a lifestyle that truly lives up to its name. Don’t miss this opportunity to own a piece of paradise in a community where neighbors become friends and every day feels like a getaway. Schedule your private tour today and experience the lifestyle you deserve!

10. 2025-03-13
    historical
11. 2024-12-10
    price $235,000
12. 2024-11-21
    listed $272,000 Active
13. 2024-09-26
    historical
14. 2024-05-28
    price $279,900
15. 2024-03-26
    price $289,900
16. 2024-03-26
    listed $289,000 Active
17. 2019-10-17
    soldstatus $169,900
18. 2019-10-15
    soldstatus $169,900
19. 2019-08-10
    listed $169,900

ⓘ 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: $1,443 · $120/mo
• Projected year-2 tax: $1,494 · $124/mo
• Expected delta: +$51/yr (+$4/mo · 3.6%)

ⓘ 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 5/10 Major
• 🌡 Heat 9/10 Extreme 7 d/yr ≥107°F today · 22 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: $22,048
• − Mortgage interest: −$10,083
• − Property taxes: −$1,443
• − Insurance: −$900
• − Repairs & maintenance: −$1,764
• − Management: −$1,764
• − HOA: −$6,144
• − Depreciation: −$5,236
• Taxable loss: −$5,285
• Est. tax savings @ 24.0%: +$1,269
• After-tax cash flow: $-1,127/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 — On Top of the World

No livability data for this city. (Only ~50 U.S. cities are tracked.)

Census & demographics

• Census place: On Top of the World, FL
• County: Marion County · 315,796 people
• City population: 25,668
• Metro: Ocala, FL
• Population (ZIP): 26,782
• Household income: $57,324
• Rent vs Own: 9.8% rent · 90.2% own
• Severe rent burden: 313.0

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: Predominantly White (80%)
• Race & ethnicity: White 80% Hispanic / Latino 11% Black 7% Two or more races 5%
• Hispanic origin (detail): Mexican 4% Puerto Rican 4% Cuban 1%
• Common ancestry: Romanian 7% Lithuanian 3% Slovak 2%
• Foreign-born: 8% · Canada, Jamaica
• Languages at home: 88% English-only · Spanish 9% French/Haitian/Cajun 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: ▼ -67.48%
• Current HPI: 199.986
• Rent YoY: —
• 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

+5.9% since first listed

19 events — show timeline

• 2026-05-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-04-28 Price Changed $180,000 Stellar MLS as Distributed by MLS Grid
• 2026-03-24 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-11-25 Price Changed $195,000 Stellar MLS as Distributed by MLS Grid
• 2025-10-06 Price Changed $205,000 Stellar MLS as Distributed by MLS Grid
• 2025-09-08 Price Changed $215,000 Stellar MLS as Distributed by MLS Grid
• 2025-07-14 Price Changed $225,000 Stellar MLS as Distributed by MLS Grid
• 2025-06-12 Listed $235,000 Stellar MLS as Distributed by MLS Grid
• 2025-03-13 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-12-10 Price Changed $235,000 Stellar MLS as Distributed by MLS Grid
• 2024-11-21 Listed $272,000 Stellar MLS as Distributed by MLS Grid
• 2024-09-26 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-05-28 Price Changed $279,900 Stellar MLS as Distributed by MLS Grid
• 2024-03-26 Price Changed $289,900 Stellar MLS as Distributed by MLS Grid
• 2024-03-26 Listed $289,000 Stellar MLS as Distributed by MLS Grid
• 2019-10-17 Sold (Public Records) $169,900 Public Records
• 2019-10-15 Sold (MLS) $169,900 Stellar MLS as Distributed by MLS Grid
• 2019-08-10 Listed $169,900 Stellar MLS as Distributed by MLS Grid

Property tax history

+4.7%/yr

Latest (2025): $1,443 · +19.7% YoY. Source: county tax records.