4340 NE 25th Ter · Ocala, FL 34479

$135,000

3 bd · 1.5 ba · 1,092 sqft · SingleFamily public records · 1 Days on market

Built 1985 0.25 ac lot Est $200k · 32% under

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Why this score? — see what drove the B- 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 +24.6/30.0
• ARV discount +15.0/15.0
• DSCR +7.9/10.0
• 1% rule +7.0/10.0
• Schools +3.6/10.0
• Livability +3.5/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks

3-bedroom, 1.5-bath home situated on a spacious 0.25-acre lot. Offering 1,092 square feet of living space, this property features a practical layout with comfortable living areas and plenty of potential to make it your own. Inside, you'll find a bright living and dining area with easy-to-maintain flooring and ample natural light. The home includes a washer and dryer for added convenience, while the attached garage provides extra storage and parking space. Step outside to the generously sized backyard, offering plenty of room for entertaining, gardening, pets, or future outdoor improvements. With a quarter-acre lot, there's space to enjoy both privacy and outdoor living.

Key facts

• Ample natural light
• Bright living area
• Attached garage

Tags

• SPACIOUS LOT
• BRIGHT LIVING AREA
• GENEROUSLY SIZED BACKYARD
• AMPLE NATURAL LIGHT
• ATTACHED GARAGE

Property features AI

Finance

• Other: Lot approximately 0.25 acres (85 x 130) with asphalt road access
• Financial info: No lease restrictions
• HOA & community: No HOA/association

Exterior

• Parking: Attached garage; 2-car garage
• Utilities: Public water; Public sewer; Cable connected; Electricity connected; Water connected; Sewer connected
• Home design: Single-family residence; One story; Faces north; Residential zoning (R1); Homestead exempt
• Construction: Block construction; Shingle roof; Block foundation; Built as a single-story home
• Exterior features: Exterior lighting; Private mailbox; Other exterior features

Interior

• Kitchen: Dishwasher; Range; Microwave; Refrigerator
• Bedrooms: 3 bedrooms
• Flooring: Tile
• Bathrooms: 1 full bath; 1 half bath
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Washer; Dryer; Indoor laundry

What this means for you Summary

Snapshot

• This is a 3-bed/1.5-bath single-family listed at $135k.

Deal economics

• At list price, monthly cash flow is $212 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $135k).
• Cap rate 8.8% 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: 173 active listings in the ZIP; 7 comparable units currently listed for rent nearby; rentals at typical pace (median 22d 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 36% of the median local income ($54k/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 $933 of loan paydown is wiped out by about $4k 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

• Only 1 days on market — expect competitive offers; lowballing is unlikely to land.
• Current owner paid $58k; list at $135k implies a 133% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: flood insurance adds $66/mo.
• Climate carrying-cost: major flood risk; severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→21/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $135,000

Questions for the listing agent

1. What's the actual annual flood-insurance premium (NFIP or private), and is the property in a SFHA with mandatory coverage?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. 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?
4. 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.
5. 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.
6. 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: 1.20% ✓
• Cap rate: 8.77%
• Cash-on-cash: 8.84%
• DSCR: 1.39
• GRM: 6.9

CMA / ARV

• ARV (on-the-fly): $199,836
• Comps found: 10

Show comp detail 10 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2645 NE 44th St	0.10mi	3/1.5	1,092 (0%)	2mo	$199,000	$182	94
2590 NE 42nd Pl	0.10mi	3/2.0	1,092 (0%)	3mo	$180,000	$165	91
2785 NE 45th St	0.23mi	3/2.0	1,092 (0%)	5mo	$209,990	$192	83
2705 NE 43rd Pl	0.13mi	3/2.0	1,092 (0%)	22mo	$160,000	$147	73
4746 NE 27th Ct	0.32mi	3/2.0	1,152 (+6%)	2mo	$221,000	$192	73
2220 NE 41st St	0.32mi	3/2.0	1,204 (+10%)	17mo	$131,000	$109	52
1904 NE 50th St	0.73mi	3/1.5	1,167 (+7%)	12mo	$213,000	$183	45
4055 NE 29th Ct	0.43mi	3/2.0	1,250 (+14%)	16mo	$239,900	$192	40
2611 NE 49th Pl	0.45mi	2/1.0 (-1)	1,204 (+10%)	22mo	$174,500	$145	37
4056 NE 20th Ave	0.58mi	3/2.0	1,243 (+14%)	19mo	$250,000	$201	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: -5.9%
• Equity multiple: 0.78×
• Total profit: $-8,260
• Equity at exit: $20,129

10-year hold

• IRR: 3.9%
• Equity multiple: 1.28×
• Total profit: $10,641
• Equity at exit: $11,672

Cash invested: $37,800 (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 34479

• Home prices YoY: -31.0%
• Active inventory: 173
• Price-to-rent: 6.9×

Monthly cashflow live

• Estimated rent: $1,623 high
• Mortgage (P&I): −$708
• Tax from tax record: −$239 /mo · $2,869/yr
• Insurance: −$56
• Flood insurance flood zone: −$66 /mo · $798/yr
• HOA: −$0
• Vacancy / Maint / Mgmt: −$341
• Net cashflow: $212

Break-even live

Break-even rent $1,354

Max offer price $135,000

Occupancy floor 82%

Sensitivity live

Price	-10% $288	-5% $250	+0% $212	+5% $174	+10% $136
Rent	-10% $84	-5% $148	+0% $212	+5% $276	+10% $340
Rate	-1.0pp $280	-0.5pp $246	base $212	+0.5pp $177	+1.0pp $142

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: $33,750
• Closing costs: $4,050
• Reserves months: —
• Total cash needed: —

Rent comps 7 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
3380 NE 44th Pl Ocala, FL	3.0	2.0	1392	$1,650	$1.19	21d	1	0.77mi
3650 NE 41st St Unit A Ocala, FL	2.0	1.0	750	$1,025	$1.37	21d	1	1.06mi
3219 NE 16th Ct Unit 3219 Ocala, FL	3.0	2.0	1200	$1,700	$1.42	14d	1	1.17mi
3800 NE 41st St Unit C Ocala, FL	2.0	1.0	770	$1,049	$1.36	21d	1	1.18mi
2122 NE 28th Pl Ocala, FL	3.0	2.0	1328	$2,100	$1.58	14d	1	1.20mi
1315 NE 53rd St Ocala, FL	2.0	1.0	852	$1,400	$1.64	21d	1	1.30mi
1405 NE 55th St Ocala, FL	2.0	1.0	1032	$1,400	$1.36	21d	1	1.32mi

Listing history 2 events

1. 2026-06-19
   remarks 678-char remark
2. 2026-06-19
   listed $135,000 Active 1 DOM

ⓘ 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: $2,869 · $239/mo
• Projected year-2 tax: $2,869 · $239/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Climate risk First Street

• 🌊 Flood 7/10 Severe FEMA zone X (unshaded) · 78% chance over 30 yrs
• 🔥 Wildfire 4/10 Moderate
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 21 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 4/10 Moderate 5 unhealthy d/yr today · 5 by 30 yrs out

Taxation est. · year 1

• Rental income: $19,471
• − Mortgage interest: −$7,562
• − Property taxes: −$2,869
• − Insurance: −$1,472
• − Repairs & maintenance: −$1,558
• − Management: −$1,558
• − Depreciation: −$3,927
• Taxable income: $525
• Est. tax owed @ 24.0%: −$126
• After-tax cash flow: $2,419/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): 13,264
• Household income: $54,283
• Rent vs Own: 25.6% rent · 74.4% own
• Severe rent burden: 664.0

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 (66%)
• Race & ethnicity: White 66% Hispanic / Latino 15% Black 14% Two or more races 9%
• Hispanic origin (detail): Mexican 5% Puerto Rican 6% Cuban 2%
• Common ancestry: Lithuanian 2% Italian 2% Estonian 1%
• Foreign-born: 5% · Canada, Jamaica
• Languages at home: 87% English-only · Spanish 11% 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: ▼ -111.70%
• Current HPI: 248.7063
• 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

+240.1% since first listed

3 events — show timeline

• 2026-06-18 Listed $135,000 Stellar MLS as Distributed by MLS Grid
• 2001-04-17 Sold (Public Records) $58,000 Public Records
• 1985-03-01 Sold (Public Records) $39,700 Public Records

Property tax history

+14.4%/yr

Latest (2025): $2,869 · +6.5% YoY. Source: county tax records.