17 Pecan Run Trak · Silver Springs Shores, FL 34472

$283,900

3 bd · 2.0 ba · 1,392 sqft · SingleFamily public records · 20 Days on market

Built 2026 0.50 ac lot Est $249k · 14% over

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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).

• Cash flow +8.0/30.0
• Appreciation +8.0/10.0
• Schools +3.6/10.0
• Livability +3.4/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• DSCR +2.0/10.0
• 1% rule +1.3/10.0
• ARV discount +1.2/15.0

Listing remarks

One or more photo(s) has been virtually staged. This thoughtfully designed 3-bedroom, 2-bath home offers the perfect opportunity to create your dream home or expand your investment portfolio. Carefully selected finishes combine modern style with long-lasting durability, providing both beauty and functionality. The open and inviting layout is ideal for everyday living, while low-maintenance features make ownership easy and practical. Whether you're looking for a primary residence, rental property, or future income-producing investment, this home delivers comfort, versatility, and value. Take advantage of special financing opportunities, including a 3.75% interest rate (5.068% APR), along wit

Key facts

• 0.5 acre lot
• 2 garage spots
• Built 2026

Property features AI

Finance

• Other: Lot roughly 0.5 acre (approx. 144 x 150); Paved road access; Builder model: 1402; Universal property ID: US-12083-N-9021044217-R-N

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Well water; Septic tank; Cable available; Electricity available; Water available; Sewer available
• Home design: Single-family residence; Residential property; One level; Faces northeast; Completed condition
• Construction: Block and stucco construction; Shingle roof; Slab foundation; New construction; Built by SI Homes
• Exterior features: Exterior lighting; Sidewalk

Interior

• Kitchen: Dishwasher; Range; Range hood; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Vinyl
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Kitchen/family room combo
• Laundry & utility: Laundry closet

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath single-family listed at $284k.

Deal economics

• At list price, monthly cash flow is $-293 ($-4k/yr) — negative.
• To cash-flow at today's rent, offer at most $232k (18.2% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $178k (37.3% below list).
• Recommended offer: $178k (37.3% below list) — sets the bar for 1% rule.

Location & tenants

• Location reads 68/100 on livability (#527 in FL) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A-; Watch: crime C-, employment D, schools 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 flat; 674 active listings in the ZIP; 16 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).
• This rent runs 33% of the median local income ($64k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• In year one you build about $19k of equity ($2k loan paydown + $17k appreciation (5.9% local appreciation)).
• Marion County population projected at +13% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• By year 2, paydown + projected appreciation supports a ~$30k cash-out refi (75% LTV) — recoverable capital for the next deal without selling this one.

Negotiation context

• It's been on market 20 days — a 2% lower offer ($280k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 21y ago 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.
• Current owner paid $72k; list at $284k implies a 292% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

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

Recommended offer $177,982 (37.3% 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. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. 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?
5. 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.
6. 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.
7. 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: 0.63% ✗
• Cap rate: 5.06%
• Cash-on-cash: -4.42%
• DSCR: 0.80
• GRM: 13.3

CMA / ARV

• ARV (on-the-fly): $249,168
• Comps found: 12

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
6 Pecan Run Pl	0.06mi	3/2.0	1,320 (-5%)	6mo	$220,000	$167	84
8 Pecan Run Ter	0.20mi	3/2.0	1,453 (+4%)	5mo	$264,900	$182	79
81 Pecan Dr	0.09mi	2/2.0 (-1)	1,278 (-8%)	1mo	$215,000	$168	76
156 Pecan Dr	0.46mi	3/2.0	1,390 (-0%)	5mo	$250,000	$180	74
52 Pecan Dr	0.28mi	3/2.0	1,458 (+5%)	8mo	$255,000	$175	72
14 Redwood Track Pass	0.52mi	3/2.0	1,453 (+4%)	3mo	$275,000	$189	66
4 Redwood Trace Ct	0.21mi	3/2.0	1,594 (+14%)	2mo	$255,000	$160	65
24 Fir Drive Trce	0.58mi	3/2.0	1,453 (+4%)	9mo	$260,000	$179	58
7 Pecan Course Trce	0.64mi	3/2.0	1,330 (-4%)	7mo	$228,000	$171	57
2 Pecan Pl	0.73mi	3/2.0	1,440 (+3%)	6mo	$270,000	$188	55
28 Pecan Course Loop	0.70mi	3/2.0	1,332 (-4%)	9mo	$250,000	$188	53
11 Fir Dr	0.66mi	4/2.0 (+1)	1,512 (+9%)	6mo	$242,000	$160	45

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

5.93% appreciation · 0.17% rent growth · sell at horizon

5-year hold

• IRR: 10.7%
• Equity multiple: 1.72×
• Total profit: $57,131
• Equity at exit: $177,262

10-year hold

• IRR: 11.1%
• Equity multiple: 3.19×
• Total profit: $173,764
• Equity at exit: $320,418

Cash invested: $79,492 (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 34472

• Home prices YoY: 2.4%
• Rents YoY: 0.2%
• Active inventory: 674
• Price-to-rent: 13.3×

Monthly cashflow live

• Estimated rent: $1,780 high
• Mortgage (P&I): −$1,489
• Tax from tax record: −$92 /mo · $1,099/yr
• Insurance: −$118
• HOA: −$0
• Vacancy / Maint / Mgmt: −$374
• Net cashflow: $-293

Break-even live

Break-even rent $2,150

Max offer price $232,207

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: $70,975
• Closing costs: $8,517
• Reserves months: —
• Total cash needed: —

Rent comps 16 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5614 Pecan Rd Ocala, FL	3.0	2.0	1337	$1,595	$1.19	21d	1	0.16mi
13 Redwood Trace Ln Ocala, FL	3.0	2.0	1337	$1,595	$1.19	21d	1	0.22mi
19 Pecan Pass Ter Ocala, FL	3.0	2.0	1368	$1,750	$1.28	21d	1	0.28mi
36 Pecan Run Crse Ocala, FL	3.0	2.0	1188	$1,850	$1.56	13d	1	0.52mi
45 Redwood Run Ocala, FL	3.0	2.0	1435	$1,695	$1.18	21d	1	0.55mi
96 Redwood Rd Ocala, FL	3.0	2.0	1188	$1,650	$1.39	13d	1	0.57mi
106 Redwood Track Crse Ocala, FL	3.0	2.0	1412	$1,675	$1.19	13d	1	0.66mi
6875 SE 52nd St Ocala, FL	3.0	2.0	1624	$1,750	$1.08	21d	1	0.94mi
9 Teak Way Dr Ocala, FL	3.0	2.0	1352	$1,800	$1.33	13d	1	1.10mi
9 Banyan Course Run Ocala, FL	3.0	2.0	1345	$1,599	$1.19	21d	1	1.12mi
62 Teak Loop Ocala, FL	3.0	1.0	1018	$1,450	$1.42	13d	1	1.15mi
6688 Cherry Rd Ocala, FL	3.0	2.0	1270	$1,950	$1.54	13d	1	1.25mi
7044 Hemlock Crse Ocala, FL	3.0	2.0	1270	$1,897	$1.49	13d	1	1.27mi
136 Hickory Course Loop Ocala, FL	4.0	2.0	1828	$1,990	$1.09	13d	1	1.35mi
149 Hickory Course Cir Ocala, FL	4.0	2.0	1827	$2,100	$1.15	13d	1	1.39mi
492 Hickory Course Loop Ocala, FL	4.0	2.0	1483	$1,750	$1.18	21d	1	1.41mi

Listing history 30 events

1. 2026-06-18
   days on market $283,900 Active 20 DOM
2. 2026-06-17
   days on market $283,900 Active 19 DOM
3. 2026-06-16
   days on market $283,900 Active 18 DOM
4. 2026-06-15
   days on market $283,900 Active 17 DOM
5. 2026-06-14
   days on market $283,900 Active 15 DOM
6. 2026-06-13
   days on market $283,900 Active 14 DOM
7. 2026-06-10
   days on market $283,900 Active 12 DOM
8. 2026-06-09
   days on market $283,900 Active 11 DOM
9. 2026-06-08
   days on market $283,900 Active 10 DOM
10. 2026-06-07
    days on market $283,900 Active 9 DOM
11. 2026-06-03
    days on market $283,900 Active 5 DOM
12. 2026-06-02
    days on market $283,900 Active 4 DOM
13. 2026-06-01
    days on market $283,900 Active 3 DOM
14. 2026-05-31
    days on market $283,900 Active 2 DOM
15. 2026-05-30
    remarks 699-char remark
16. 2026-05-30
    statusdays on marketlisting id $283,900 Active 1 DOM
17. 2026-05-08
    listed $1,765
18. 2026-04-30
    listed $283,900 Active 1443-char remark
19. 2025-02-18
    historical
20. 2024-06-09
    price $239,900
21. 2024-05-17
    listed $249,900 Active
22. 2012-05-31
    soldstatus $72,500
23. 2012-04-03
    listed $79,900
24. 2012-03-22
    soldstatus $50,000
25. 2012-01-09
    listed $50,000
26. 2006-09-08
    historical
27. 2006-06-08
    listed $170,900
28. 2005-07-26
    soldstatus $136,900
29. 2005-07-21
    soldstatus $136,900
30. 2005-06-13
    listed $139,000

ⓘ 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: $1,099 · $92/mo
• Projected year-2 tax: $2,356 · $196/mo
• Expected delta: +$1,257/yr (+$105/mo · 114.4%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (unshaded) · 71% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°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 · 4 by 30 yrs out

Taxation est. · year 1

• Rental income: $21,358
• − Mortgage interest: −$15,903
• − Property taxes: −$1,099
• − Insurance: −$1,420
• − Repairs & maintenance: −$1,709
• − Management: −$1,709
• − Depreciation: −$8,259
• Taxable loss: −$8,740
• Est. tax savings @ 24.0%: +$2,098
• After-tax cash flow: $-1,414/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 — Silver Springs Shores

• Score: 68/100
• State rank: #527
• US rank: #9854

Category grades

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

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Silver Springs Shores, FL
• County: Marion County · 315,796 people
• City population: 34,665
• Metro: Ocala, FL
• Population (ZIP): 35,851
• Household income: $64,208
• Rent vs Own: 19.9% rent · 80.1% own
• Severe rent burden: 655.0

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 0.65)
• Race & ethnicity: White 50% Hispanic / Latino 25% Black 21% Two or more races 18% Asian 2%
• Hispanic origin (detail): Mexican 2% Puerto Rican 14% Cuban 3%
• Common ancestry: Romanian 2% Iranian 1% Lithuanian 1%
• Foreign-born: 11% · Canada, Jamaica, China
• Languages at home: 78% English-only · Spanish 19% 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: ▲ 5.93%
• Current HPI: 255.0714
• Rent YoY: ▲ 0.17%
• 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

17 events — show timeline

• 2026-06-03 Price Changed $1,715 SHOWMOJO
• 2026-05-29 Listed $283,900 Stellar MLS as Distributed by MLS Grid
• 2026-05-19 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2026-05-08 Listed for Rent $1,765 SHOWMOJO
• 2026-04-30 Listed $283,900 Stellar MLS as Distributed by MLS Grid
• 2025-02-18 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2024-06-09 Price Changed $239,900 Stellar MLS as Distributed by MLS Grid
• 2024-05-17 Listed $249,900 Stellar MLS as Distributed by MLS Grid
• 2012-05-31 Sold (MLS) $72,500 Stellar MLS as Distributed by MLS Grid
• 2012-04-03 Listed $79,900 Stellar MLS as Distributed by MLS Grid
• 2012-03-22 Sold (MLS) $50,000 Stellar MLS as Distributed by MLS Grid
• 2012-01-09 Listed $50,000 Stellar MLS as Distributed by MLS Grid
• 2006-09-08 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2006-06-08 Listed $170,900 Stellar MLS as Distributed by MLS Grid
• 2005-07-26 Sold (Public Records) $136,900 Public Records
• 2005-07-21 Sold (MLS) $136,900 Stellar MLS as Distributed by MLS Grid
• 2005-06-13 Listed $139,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+3.2%/yr

Latest (2025): $1,099 · +24.8% YoY. Source: county tax records.